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Currently, if we haven’t heard from you for five years and there haven’t been any contributions into your account for two years your super may soon be transferred to the Australian Tax Office (ATO).

The good news is, this is a great chance to review your super and decide what you want to do with it.

Option 1

Keep your super with us

Complete this quick form to confirm your account name, unique code (included in the communications we sent you) and today’s date. Then press the button. That’s it, simple, done.

Option 2

Thinking about life after work?

If you’re looking to reduce your work hours or fully retire you may be wondering where to start. We’ve pulled together some simple tools and resources to help you understand where you're at now, and what you can do to move into retirement with confidence.

Learn more

Option 3

Select a withdrawal

As you’re over 65 you can choose to withdraw your super at any time.

Complete and send back the withdrawal from super form

Option 4

Don’t do anything

Let your super go to the ATO. Your super money will still receive consumer price index increases (if any) but it won’t be actively invested in the market. You can claim your ATO held super at any time, for more information visit the ATO held super webpage. If you are no longer living in Australia and you request the ATO to release your super funds, you may be liable to pay tax on any ATO held super which can be up to 65% of the value.

Not sure what option to choose?

We’re here to help if you’d like to have a chat with our Australian based team. Contact us.

Feel good with Aware Super

Here’s some of the things that make your super fund stand out:

Aware super members can be thousands of dollars better off over 15 years, compared with the retail super funds average, as shown in the table below

This graph assumes the following; a $50,000 starting account balance; employer contributions based on a starting salary of $50,000 p.a.; salary increases of 3.5% p.a. and contributions tax of 15%. The Net Benefit refers to a member's investment earnings over the time period of 15 years to 30 June 2022, less any administration, investment and member fees for options within the SuperRatings Growth Index (77-90% growth allocation). The net benefit compares Aware Super to the median of 35 Retail funds and 87 All super funds which is inclusive of Retail, Industry, Corporate and Government funds. Comparisons modelled by SuperRatings, commissioned by Aware Super. Past performance is not a reliable indicator or a guarantee of future performance. Outcomes vary between individual funds.
View the net benefit methodology
We're a top performing fund1

Our balanced growth option delivered an average yearly return of 6.77% p.a over 10 years and was ranked within the top 10 funds.

We’re an aware winning fund2

We've been awarded Money magazine Best of the Best Award 2022 for Innovation and Investment Leader as well as Canstar's 2022 Outstanding Value (Superannuation) and Most Satisfied Customer (Superannuation) award.

Our fees are competitive3

Aware Super MySuper - Balanced Growth option total fee (inclusive of administratrion and investment fees) is 1.17% p.a. compared to 1.24% p.a.(Fees and comparisons may differ for other investment options and account balances).

Members have access to one of Australia's biggest financial planning networks

Even better, some advice regarding your super is included with your account at no additional cost to you.

Aware Super is making a positive difference today

We care about investing in projects that make a positive difference today and tomorrow - creating jobs, addressing climate change and strengthening society at the same time as generating returns.

Everyone’s situation is different, and we haven't considered your financial situation. So, before making a decisions about Aware Super or your account, you should read our Product Disclosure Statement (PDS) and consider your own personal circumstances to decide if this is the right thing for you.

When will my account be transferred to the ATO?

Generally, accounts are transferred at the end of October or end of April each calendar year. You’ll need to let us know about 4 weeks before then if you ‘d like to keep your account with us in order for us to complete the administration requirements.

What happens if my account is transferred to the ATO?

If your account is transferred to the ATO you will no longer be a member with us. You can claim back your money from the ATO at any time. Generally you will need to meet a condition of release to have this money paid to you in cash. Otherwise, it will need to be transferred to complying superannuation fund.

To ensure your account is kept with us and not transferred to the ATO you must have entered your account name exactly as listed on your account, alongside the date of your request. You must also have completed this action by the date that was listed in any correspondence addressed to you with regards to the potential transfer of your super to the ATO. We do not accept any responsibility or liability for accounts transferred to the ATO where incorrect or incomplete details have been supplied or supplied after the stated cut-off date.

1Source: SuperRatings Fund Crediting Rate Survey 30 June 2022 (SR25 Conservative Balanced (41-59) Index - approximatley 25 Funds). Index median return was 6.34% p.a. for the same period. Aware Super Accumulation Balanced Growth investment option ranked in the top 10 for the 5, 7 and 10 year periods. Returns are net of investment fees, tax and implicit asset-based administration fees. Investment returns are not guaranteed. Past performance is not a reliable indicator of future performance.

2Money magazine’s Best of the Best Award 2022 for Innovation and Investment Leader. The Award recognises the major role Aware Super plays in the superannuation industry and that we’re one of Australia’s most consistent funds for high risk-adjusted returns. It also reflects our recent innovations including the new lifecycle default product, our investment in affordable housing and our commitment to responsible ownership. The Canstar 2022 Outstanding Value Award was received in March 2022 for the Aware Superannuation Fund. The 2022 Canstar Most Satisfied Customer - Superannuation was received in May 2022.

3Source: Chant West Super Fund Fee Survey 30 June 2022, Balanced [41-60% in growth assets] investment option index and $50,000 account balance. Total fee includes combined administration, investment fees and costs. Aware Super MySuper - Balanced Growth option total fee is 1.17% p.a compared to 1.24% p.a. (overall average - approximatley 76 funds) and 1.33% p.a. (Retail fund average - approximately 18 funds). Fees and comparisons may differ for other investment options and account balances.

Personal advice requires the provider to act in the client’s best interests and take into account the client’s circumstances. These rules do not apply to general advice. This communication contains general advice only and no personal advice. We have not taken into consideration any of your objectives, financial situation or needs or any information we hold about you when providing this general advice. Further this communication does not contain, and should not be read as containing, any recommendations to you in relation to your product. Before taking any action, you should consider whether the general advice contained in this communication is appropriate to you having regard to your circumstances and needs and seek appropriate professional advice if you think you need it. Contact us to make an appointment to see one of our representatives. Before making a decision about Aware Super you should read our product disclosure statement and Target Market Determination (TMD) available at Aware member booklets (PDS) or call us and we’ll send you a copy. Issued by Aware Super Pty Ltd ABN 11 118 202 672, AFSL 293340, the trustee of Aware Super ABN 53 226 460 365. Financial planning services are provided by our wholly owned financial planning business Aware Financial Services Australia Limited, ABN 86 003 742 756, AFSL No. 238430. You should read their Financial Services Guide before making a decision.