Your super health check

Not sure where to start?

These are some of the easiest and most valuable things you can do while serving to help keep your super and financial plans on track.

Use this checklist as a simple way to stay informed and help set yourself up for the future.

1. Check your annual statement

   See how your super has performed over the past financial year and understand how you’re tracking towards your future goals.

   If you’re a CSC member, you can also log in to CSC Navigator to view your statements online.

   CSC Navigator

2. Find and combine your super

   Got more than one super account?

   Multiple accounts can mean multiple fees and charges, which could reduce your retirement savings over time.

   Consolidating super can reduce fees and simplify administration, but make sure you check your current fees, any insurance cover or other benefits you might lose before making a decision. If you’re unsure, consider getting financial advice.

   Find and combine your super

3. Review your investment options

   Your investment choice can affect how your super grows over time.

   Make sure your current investment options still align with your goals, time horizon and comfort with risk.

   CSC offers up to four investment options depending on your scheme: 

   • Aggressive
   • Balanced
   • Income Focused
   • Cash.

   Investment options

4. Grow your super

   Even small additional contributions can make a meaningful difference over time.

   Depending on your circumstances and super scheme, you may want to consider: 

   • salary sacrifice
   • after-tax contributions
   • spouse contributions
   • government co-contributions.

   Contribution caps and tax rules apply.

   Grow your super

5. Review your insurance

   Insurance can be an important part of your financial safety net.

   ADF Super members automatically receive Death and Invalidity benefits through ADF Cover at no additional cost. MilitarySuper and DFRDB membership includes automatic Death and Invalidity Cover at no cost. 

   Understanding what cover you have can help you and your family feel more prepared if life doesn’t go according to plan.

   ADF Cover

6. Update your beneficiaries (ADF Super members)

   Super is one of your biggest financial assets.

   Updating your beneficiaries helps ensure CSC understands who you would prefer your benefits to go to if something happens to you.

   Are you a Defined Benefit member? Scheme rules determine who receives your benefit when you die.

   Major life changes are a good time to review your nomination, including:

   • marriage or separation
   • children
   • moving house
   • changes to family circumstances.

   Beneficiaries

Download your handy super checklist today