Many Australians accumulate multiple super accounts over their working life — one for each job change. Each extra account typically means duplicate fees eating into your balance. The ATO estimates more than $17 billion in lost and unclaimed super sits waiting to be claimed by its owners.
This cluster covers everything you need to find lost super, merge your accounts, and decide whether consolidation is right for your situation.
Consolidation Guides
- Lost Super Australia — How to Find and Claim It — Step-by-step ATO SuperMatch search via myGov, what counts as lost super, and how to claim it
- How to Consolidate Your Super into One Fund — The full rollover process: find all funds, check insurance, initiate the transfer, confirm the outcome
- Should I Consolidate My Super? — When merging makes sense vs when keeping multiple funds is the right call
For advice tailored to your situation, speak with a licensed financial adviser. You can find one through the ASIC financial advisers register or MoneySmart.