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Manage my Super

Manage your account the easy way – online or via the Super Tracker app to help get the most out of your super and prepare for a great life after work.

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Take control of your super savings

We give you the tools and resources you need to get more out of your super. Login to your account or contact us to find out more.

Find your lost super

  • Find out whether you have lost super you don’t know about
  • Claim your missing money and consolidate your super in one place
  • Build your wealth and avoid extra fees

Consolidate your super

  • Combine other super accounts with Resource Super
  • Stop paying unnecessary fees on additional super accounts
  • Access all your super in one place

Make before-tax contributions

  • Make extra concessional contributions (including salary sacrifice) and you could save on tax
  • Concessional contributions cap from 1 July 2024 to 30 June 2025 is $30,000
  • Even small contributions can make a significant difference over time

Make after-tax contributions

  • Contribute to your super from your own savings
  • Non concessional contributions cap from 1 July 2024 to 30 June 2025 is $120,000
  • Boost your retirement funding

Consolidate your super

Combine your super to save time and money

Your hard work should be rewarded. Extra fees may seem insignificant right now, but they can have a compounding effect over the long term. By consolidating your super into one account, you’ll give yourself a better chance of boosting your super savings and achieving your retirement goals.

Before you combine your super, you should find out about any entitlements or insurance cover that might stop when you close your other account/s. Log in or contact us to consolidate your super now.

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Changing jobs?

Take your super with you

Just because you change jobs, doesn’t mean you need to change super providers. And while your current super account is meant to follow you from job to job under the Government’s ‘Account stapling’ program, it’s easy for you to take control to ensure your new employer starts paying the employer super contributions into your Resource Super account.
 
All you have to do is complete the Choosing Resource Super Form and hand it over to your employer. Or, if your employer provides you with an ATO Standard Choice Form, you can complete it by using our fund details and your account details.
 
If you’d like to know more about taking Resource Super with you when you change jobs.
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Understanding your investments

Investing for the future you want

Whether you’re a hands-on investor or you’d like us to manage your super, we offer a range of world-class investment options to help you achieve your retirement goals.

New members are automatically invested in the default GoalTracker® (MySuper) investment option unless they elect not to be. This option creates a diversified investment strategy across a range of asset classes and sectors (including the resource sector), based on your age. You can also choose to activate GoalTracker® Plus. After telling us more about yourself and your goals for the future using the GoalTracker® tools, you can choose to activate GoalTracker® Plus, which then builds a personalised investment strategy for you based on that information. Finally, for the hands-on investor, you can build your own investment strategy by choosing from our extensive investment menu of 19 options across four categories – diversified, outcome-oriented, responsible and sector. These investment types include shares, property, bonds, cash and alternative assets, such as infrastructure and commodities.

Discover investment options that align with what you want from your retirement.

Understanding your investments

Accessing your super

When can you access your super?

Generally, you can only access your super when you reach your ‘preservation age’. If you were born after 1 July 1964, that will be age 60. If you were born any earlier, you will have already reached it. To access your super, you’ll also need to either retire from work altogether or start a Transition to Retirement (TTR) income stream while you keep working.
 
Once you reach age 65, you can access your super and turn it into an income, even if you’re still working full-time.
 
There are some limited situations where you can access your super early.

If you want to access your super, contact us.

Superannuation FAQs

Discover the answers to some of the most common questions people ask us about their superannuation. If you can’t find what you’re looking for, you can contact us directly via our contact form or at info@resourcesuper.com.au

How much super do I need to retire?
Everyone has a different idea of what their retirement lifestyle will be like. How much super you’ll need for your retirement will depend on how you plan to live. It will also depend, in part, on whether you receive any income outside of super, including whether or not you qualify for the aged pension.
 
The Commonwealth Government’s MoneySmart site says you should aim for around two-thirds of your current salary to maintain the same standard of living you currently enjoy. However, that’s just a guide and exactly what you need will come down to your own circumstances.
 
Resource Super’s MySuper investment option is GoalTracker® which creates a diversified investment strategy across a range of asset classes and sectors (including the resource sector), based on your age.
 
As a member of Resource Super, you also have access to expert financial advice to make sure your super and other investments all work together towards achieving your retirement goals.
Can I access my super before I retire?
Generally, you can only access your super when you reach your ‘preservation age’. If you were born after 1 July 1964, that will be age 60. At that age, if you’re not planning to fully retire, you have the option to access your super by starting a Transition to Retirement (TTR) income stream (retirement account) while you keep working. You can either work part-time and top up your take-home pay with a regular income from your super, or continue working full-time and use the TTR account to boost your income or super (via salary sacrifice).
 
One advantage is that your super savings stay invested – even while you’re drawing an income, which means your super can continue to earn returns. There’s also plenty of flexibility and you keep control over the payment amount and frequency.
 
Once you reach age 65, you can access your super and turn it into an income, even if you’re still working full-time.
 
There are some limited situations where you can access your super before you reach your preservation age – contact us for some more information about your options here.
What’s the difference between concessional and non-concessional contributions?
You can make before-tax (or concessional) contributions via Salary, which means paying part of your salary into your super before income tax has been calculated. This way you’ll have less taxable income, plus your salary sacrifice amount gets taxed at only 15% — rather than your marginal tax rate, at least until you hit the concessional contributions cap (currently $30,000).
 
Any compulsory super payments your employer makes on your behalf will also count towards this cap.
 
You can also make after tax (or non-concessional) contributions, which can be a great investment option – as well as benefiting from super’s tax friendly environment (currently $120,000p.a.).
How do I make extra concessional contributions?

If you want to make extra pre-tax contributions, you’ll need to speak with your employer and set up a salary sacrifice arrangement. Alternatively, you can use BPay to make contributions from your post-tax income and claim the additional tax back on your tax return.

How do I make extra non-concessional contributions?

You can make payments directly to your super account using BPay – potentially of up to $120,000 a year. However, there may be tax implications for making contributions from your own money so you should speak with your accountant or tax advisor, or contact us to find out more.

How do I combine my super into one account?

You can combine or rollover other super accounts to Resource Super by logging into your account and using the ‘Find and combine’ tool. You can also complete a Rollover Request form and lodge it with the super funds you want to transfer from. If you’d like to find out more, please contact us.

Forms and information

Forms and information

See all Forms & Factsheets

Super Guide

PDF

Online Access Flyer

PDF

Rollover Form

PDF

Information

Super Guide

Super Guide

PDF

Online Access Flyer

Online Access Flyer

PDF

Forms

Rollover Form

Rollover Form

PDF

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