Why Review Before Consolidating?

Bringing SuperAccountsTogether Should Start With Understanding What You Hold

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 the accounts you hold, the fees, insurance and investment arrangements attached to them, and the matters to consider before consolidating.

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What May Be Reviewed

Understand the Details Before Making Changes

Before closing, transferring or consolidating a 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 which accounts may need to be considered.

Fund Fees and Costs

Each super account may have its own fees and costs. Understanding what applies can help you ask better questions before consolidating.

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 Features and Benefits

Different funds may include different features, investment options or account benefits. These should be checked before any decision is made.

Employer Contributions

If you are currently working, it is important to understand where employer contributions are being paid and whether account details are current.

Retirement Planning

Consolidation questions should be considered in the context of your broader superannuation and retirement planning position.

Who We Help

It May Be Worth Reviewing Consolidation If…

A complimentary review may help you better understand your current super accounts, the costs and insurance attached to each account, and the potential implications of consolidating.
  • You have more than one superannuation account
  • You have changed jobs several times
  • You have found an old or inactive super account
  • You receive statements from more than one fund
  • You are unsure what fees apply across your accounts
  • You do not know whether insurance is attached to older accounts
  • You want to simplify how your super is managed
  • You want to better understand your position before retirement
Planning Ahead

You Work Hard for Your Super. Make Sure You Understand It Before Making Changes.

Superannuation is often built across many years, employers and life stages. If you have more than one account, it can be tempting to bring everything together quickly.

Before doing that, it is worth understanding the details. Fees, insurance, investment options and account features can all vary between funds. Starting a consolidation enquiry can help you better understand the areas that may need attention.

Know What Accounts You Hold

Start by understanding where your super is held and whether older accounts still exist.

Ask Better Questions

A review enquiry can help you focus on fees, insurance, fund features and account structure.

Check Insurance First

Insurance attached to super may be affected if an account is closed or transferred.

Our Role

A Clear Process for Reviewing Super Consolidation

Wise Investments Direct guides you through the initial review process, helping you understand your existing super accounts and the implications that may arise from bringing them together. 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 What Could Be Affected If You Close a Super Account?

If you have more than one super account, consolidation may appear straightforward. However, each account should be checked before any change is made. An older account may include insurance cover, fund features or investment options that are not immediately obvious. A consolidation enquiry gives you a practical starting point to better understand what accounts may exist and what needs closer attention.
  • Check whether you have more than one super account
  • Understand what fees apply to each account
  • Ask whether insurance is attached to older accounts
  • Review fund features and investment options
  • Confirm where employer contributions are being paid
  • Consider whether consolidation fits your future planning needs
Important

Consolidation Can Affect Insurance and Benefits

Before consolidating super, 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.

Multiple Super Accounts

Review whether more than one account may need closer attention.

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.

Consolidating super generally means bringing more than one super account together into a single account. Before doing this, it is important to understand what each account includes.

People often consider consolidation because they have changed jobs, found old accounts or want their super to be easier to track.

More than one account may mean more than one set of fees. However, fees are only one part of the review. Insurance, benefits, fund features and investment options should also be considered.

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

Start Your Consolidation Review

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 understand the matters to consider before making changes.
Make an Informed Start

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.