Multiple Super Accounts

Review YourSuperAccountsand Understand What May Need Attention

Wise Investments Direct guides Australians through a complimentary review of their current superannuation while working alongside licensed financial advisers. The review can help you understand where your super is held, what fees and insurance are attached to each account, and whether any areas may require further consideration.

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What May Be Reviewed

Understand the Details Across Each Super Account

Before deciding what to do with more than one super account, it is important to understand what each account includes and whether any areas need closer attention.
Account Balances

A review enquiry can help you start looking at where your super is held and whether older or inactive accounts may still exist.

Fund Fees and Costs

Each super account may have its own fees and costs. Understanding what applies to each account can help you ask better questions about your current position.

Insurance Inside Super

Some super accounts include insurance cover. Before closing or transferring an account, it is important to understand what cover may already exist.

Fund Performance

Different accounts may have different investment options and performance histories. A review enquiry can help you identify whether this area needs closer consideration.

Lost or Older Accounts

If you have changed jobs or moved house, you may have older super accounts that you no longer actively monitor.

Consolidation Considerations

Bringing accounts together may be worth discussing, but the details should be reviewed before any decision is made.

Who We Help

It May Be Worth Reviewing Your Super Accounts If…

A complimentary review may help you understand how many super accounts you hold, what costs and insurance are attached to each account, and whether any areas require closer consideration.
  • You have changed jobs several times
  • You may have been placed into different employer funds
  • You receive statements from more than one super fund
  • You have old super documents or account emails
  • You are unsure where your current contributions are being paid
  • You do not know whether insurance is attached to older accounts
  • You are thinking about consolidating super
  • You want to better understand your position before retirement
Planning Ahead

You Work Hard for Your Super. Make Sure Every Account Is Working Towards Your Future.

Superannuation is easy to overlook when accounts are opened through different employers over time. You may only notice the issue when you receive more than one statement, start thinking about retirement, or realise you have not reviewed your super for years.

Multiple accounts can affect how clearly you understand your super. Fees, insurance, investment performance and account structure can all vary between funds. Starting a review enquiry can help you better understand the areas that may need attention.

Know What Accounts You Hold

  • Identify each superannuation account currently held in your name.
  • Check whether accounts from previous employers are still active.
  • Review the balance, fees, insurance and investment options attached to each account.
  • Confirm that your personal and contact details are current across all funds.

Ask Better Questions

  • Compare the fees charged across your different super accounts.
  • Understand what insurance cover is included and what premiums are being deducted.
  • Review how each fund’s investment options have performed over time.
  • Consider whether the structure of each account still suits your circumstances and goals.

Consider Consolidation Carefully

  • Review what each account includes before transferring or closing anything.
  • Check whether consolidating could affect insurance cover or other existing benefits.
  • Compare fees, investment options and account features before making a decision.
  • Seek appropriate advice where the consequences of consolidation are unclear.

Plan for Retirement

  • Bring your super accounts into a clearer overall retirement picture.
  • Consider how your current balances align with your intended retirement timeframe.
  • Review contribution strategies, investment settings and future income needs.
  • Revisit your super regularly as your employment, finances and priorities change.
Our Role

A Clear Process for Reviewing Multiple Super Accounts

Wise Investments Direct guides you through the initial review process, helping you identify your existing super accounts and understand the fees, insurance and investment arrangements attached to them. Where personal financial advice is appropriate, a licensed financial adviser may assess your circumstances and explain the available options.
How It Works

A Simple Step-by-Step Guide

01. Share Your Details

Provide some initial information about your current and previous super accounts.

02. Identify Your Accounts

Review where your super may be held and whether you have more than one active account.

03. Understand the Differences

Consider the fees, insurance, investment options and features attached to each account.

04. Access Licensed Advice Where Appropriate

Where personal financial advice is appropriate, a licensed adviser may consider your circumstances and explain the available options.

Common Questions

Do You Know Where All Your Super Is Held?

If you have worked for several employers, you may have more than one super account. You may also have an older account that no longer receives contributions but still holds a balance, insurance cover or other account features.

A multiple super account review enquiry gives you a practical starting point to better understand what accounts may exist and whether they need closer attention.
  • Check whether you have more than one super account
  • Understand where employer contributions are being paid
  • Ask whether old accounts still hold a balance
  • Find out whether insurance is attached to older accounts
  • Review fees and costs across each account
  • Consider whether your super still fits your future planning needs

Thinking About Consolidating Super?

If you have more than one super account, you may be thinking about bringing them together. Before making any changes, it is important to understand what each account includes.

Closing or transferring a super account may affect insurance cover, benefits, investment options or other fund features. A review enquiry can help you understand the questions that should be asked before any decision is made.
Related Services

Other Ways We Can Help

Free Super Health Check

A simple starting point if you are unsure whether your super needs attention.

Consolidating Super

Understand the potential costs, benefits, insurance implications and account features to consider before bringing multiple super accounts together.

Find Lost Super

Make an enquiry about older super accounts you may have lost track of.

Superannotation Review

Start a conversation about your super and planning ahead for retirement.

Important Information

Wise Investments Direct works alongside licensed financial advisers who provide tailored financial advice through our free super reviews. Wise Investments Direct is not a super fund and is not a financial advisory firm. Information on this website is general in nature and does not take into account your objectives, financial situation or needs.
frequently asked questions

Frequently Asked Questions

Find clear answers to common questions about our financial services, processes, and expert guidance.

5-Star Rated

1,000+ Satisfied Customers

Read about the experiences shared by previous users of the service.

You may have more than one super account if you have changed jobs, joined different employer funds, moved industries or lost track of older accounts over time.

Multiple accounts can make it harder to understand your overall super position. Each account may have its own fees, insurance, investment options and fund features.

Yes. More than one account may mean more than one set of fees and costs. These should be reviewed as part of understanding your current position.

Yes. Closing or transferring a super account may affect insurance cover attached to that account. It is important to check this before making any changes.

Consolidation depends on your circumstances. Before consolidating, it is important to understand any insurance cover, benefits, investment options or features that may be affected.

Wise Investments Direct helps with superannuation review enquiries. Where personal financial advice is required, your enquiry may be connected with a licensed financial advisory firm.

FREE SUPER REVIEW

See If You Qualify for Your FREE Super Review

Take the next step towards understanding your super. Complete a few quick questions through the Improve My Super process to see whether you may qualify for a complimentary review of your current superannuation.
Contact Us

Take the First Step Toward Understanding Your Accounts

Complete your details to begin a complimentary review of your super accounts. Wise Investments Direct will guide you through the initial process and help you better understand where your super is held and what may require closer attention.
Get a Clearer Picture of Your Super

Wise Investments Direct guides clients through the superannuation review process while working alongside licensed financial advisers. Where personal financial advice is appropriate, a licensed adviser may provide tailored recommendations through the formal advice process.