Without super you may be forced to rely on the Government Age Pension in retirement. That’s just over $18,000 a year for singles and a little over $27,000 per year for couples.

Even the 9% that employers are required to pay into your super is unlikely to provide most people with enough money for a comfortable retirement. To provide an adequate retirement income you need to make the most of your super.

Choose a fund that has low fees and strong long-term performance. First Super is an industry fund run only to profit you, our members. So we offer low fees and a choice of five investment options to suit your individual needs.

Keep all your super in the one place. If you have super accounts with other funds, you can rollover and consolidate them in First Super. That way you’ll have all your super in one place and may pay less fees.

Contribute to super yourself, on top of any contributions made by your employer. Making voluntary contributions is an effective way of boosting your super and by doing this early in your working life, you benefit from compounding interest to help your balance grow. First Super accepts voluntary contributions made from either after-tax pay or from your pay before tax is deducted by your employer (this is called salary sacrifice).