Checking your balance online or using our app is a quick and easy way to stay on top of how your super is performing, review your transactions and know how you’re progressing towards your savings goals. Plus, you’ll need this information when you use our tools and calculators to compare your balance.
Put all your super in one place. Here are just a few benefits to consolidating your super:
Changed jobs at some point in your career? You could have more than one super account, which means you could be paying multiple fees.
Simplify your super
Combining your super makes keeping track of your balance simple.
Manage money easier
When your super is in one place, it’s easier to manage and you may have more money when you stop working.
Before you make the decision to combine your super accounts into one, consider if it is right for you and weigh up the pros and cons, such as fees and insurance benefits. If you’re unsure, seek financial advice.
How do your super savings stack up against others in similar situations? Wondering if you’ll have enough super when you’re ready to stop working? Have your balance handy and use our tools and calculators to help you plan for your future.
Compare your super with other Aussies and learn about saving for your retirement along the way.
Want to see into your super’s future? Get a personalised super report in under 10 minutes to see how much you may have in retirement.
Try the Plum Personal Super Calculator
Your employer may already be contributing to your super account. But making additional contributions can be a quick and effective way to top up your super. Even small yet consistent extra contributions could make a difference down the track. Here are a couple of options for making additional contributions to your super:
Devan is 45 and recently had a pay rise of $5,000 – taking his total salary to $100,000 per year. He’s planning on retiring in 20 years, so he decides to use his $5,000 pay rise to make a pre-tax contribution to his super. By adding $5,000 to super, it will be taxed at 15% ($750) rather than his marginal tax rate of 34.5%¹ ($1,725). This means that he will contribute an extra $975 to his super, for a total of $4,250.
Jamie is 50 years old and has $50,000 of savings which she would like to invest for her retirement. If Jamie contributes this money into super, any earnings will be taxed at only 15% in her super fund rather than a maximum of 47% (including Medicare levy) with other types of investments. By paying less tax Jamie could save more money toward her retirement goals.
When was the last time you looked at how your super is invested? Choosing the right options at the right time could make your money work harder for you, and it’s simple to check online or using our app.
Discover what type of investor you are and explore your investment options.
Leaving your money in the right hands is an important matter that’s often overlooked. By nominating a beneficiary, you’re helping to ensure where your super will go to when you’re no longer here. There are two options for nominating a beneficiary:
A valid binding nomination means we’re legally bound to pay out your super benefits according to your instructions. It’s as simple as downloading a form, filling it out, having it witnessed and sending it back to us.
A non-binding nomination tells us who you would prefer to get your super benefits, and we’ll take it into consideration. You can make a non-binding nomination online.
Your circumstances or the important people in your life may have changed. So, it’s good practice to review your beneficiary nomination, at least every year, to make sure it still reflects your situation today. Log in to check your beneficiary nominations.
No matter where you are in life, insurance is an important part of protecting you and your family.
When you’re insured through Plum Super you get:
Your insurance premiums come directly from your super balance, so you won’t see a difference in your take-home pay.
We can negotiate group discounts to get you better prices on your premiums.
1 Based on 2023/24 tax rates and includes 2% Medicare levy. This example is for illustrative purposes only and are not a prediction or estimate of the actual contributions to be made.
This information has been prepared by NULIS Nominees (Australia) Limited ABN 80 008 515 633, AFSL 236465 (NULIS), as trustee of the MLC Super Fund ABN 70 732 426 024. Plum Super is a part of the MLC Super Fund. NULIS is part of the Insignia Financial Group of companies comprising Insignia Financial Ltd ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group). This information is general in nature and does not take into account your objectives, financial situation and needs. Before acting on any of this information, you should consider its appropriateness, having regard to your objectives, financial situation and needs. You should consider obtaining financial advice before making any financial decisions based on this information. It is recommended that you consider the relevant Product Disclosure Statement (PDS), relevant Insurance Guide and Target Market Determination (TMD) before you make any decisions about your superannuation or insurance. You can obtain the latest copy of the PDS (or other disclosure documents) and TMD by calling us on 1300 55 7586. Any general tax information provided is intended as a guide only and is based on our general understanding of taxation laws. It is not intended to be a substitute for specialised taxation advice or an assessment of your liabilities, obligations or claim entitlements that arise, or could arise, under taxation law, and we recommend you consult with a registered tax agent.
Opinions constitute our judgement at the time of issue and are subject to change. Neither NULIS nor any member of the Insignia Financial Group accept responsibility for any loss or liability incurred by you in respect of any error, omission or misrepresentation in the information in this communication.
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