The information contained in this section of the website is provided in good faith as general educational material only and, where applicable, is based on stated assumptions. Any information provided or derived from examples or calculators should not be relied on as a true representation of any actual superannuation entitlements or benefits from any particular fund or scheme.

The information and material on this website is to assist you to gain a broad understanding of superannuation and other general financial matters, is provided for general information only, and has been prepared without taking into account your particular financial needs, circumstances and objectives.  You should not rely on any information or material on this website, and before making any investment decision we recommend that you consider whether it is appropriate to your situation and seek appropriate financial, taxation and legal advice.

Links and frames connecting this website to other websites are provided for your convenience only, and do not mean that Guild Trustee Services Pty Ltd or Guild Financial Services Limited endorse or approve those other websites or their content.

Guild Trustee Services Pty Ltd (the Trustee of Child Care Super), Guild Financial Services Limited and their directors, officers, employees and agents make no representations and give no warranties in respect of, and to the extent permitted by law, exclude all express or implied representations and warranties in relation to, this website and/or the accuracy, currency or completeness of any information or material provided at or through this website.

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Super Duper

  

Along with your home, super may be the biggest investment you’ll ever make, so it’s important to make it work as hard as possible for you. Below, you'll find Five quick wins to help get you started

Super Tip Consider
1 10 super tips in less than 5 minutes. Check out the e-learning module now
2 If you have sixty seconds to spare, we have some great tips to help get your super ship shape. Taking the One Minute Super Challenge now!

3

Rollover Rover provides an easy step by step guide that may help you save fees by keeping your super all in one fund.*

Learn more >>

If you've had more than one job, chances are you have more than one super account and each account is costing you money.

You may be able to reduce the number of fees you pay by rolling over your super into one account. Paying fewer fees could add up to quite a significant saving in the long run, meaning your account will grow faster.*

You'll save time too because you'll only have one fund to deal with and only receive paperwork from one fund each year.

It's as easy as 1, 2, 3

 Step 1: Gather any paperwork from your other funds. If any appear to be missing, give the other fund a call and ask for your details with them.

STEP 2: Fill in a Rollover Form for each. Download a form by clicking here.

STEP 3: Mail the completed form(s) to Child Care Super. You don't even need to add a stamp. Just write "Child Care Super, Reply Paid 2788, Melbourne Vic 3001", on the envelope.

Your part is then done, we'll contact your other fund(s) and arrange the rollover.

If you would like a Rollover Form sent to you, email  This e-mail address is being protected from spambots. You need JavaScript enabled to view it or call the Customer Service team on 1800 060 215, between 8am and 7pm (AEST), Monday to Friday.

Note:Exit fees may be charged and insurances may be altered when you roll over so please seek advice from a financial planner.
* Fees may not be charged on small balances. Fees are only one factor you should consider when changing funds.

Downloading the Rollover form now.

4

Insurance is an important part of your super. Plus, it’s often cheaper through super. Make sure you’re using it to its best advantage.

 Checking our the Super Insurance Fact Sheet now.

5

Help double your dough with the co-contribution. Up to $1,000 a year is on offer from the Government for eligible people.

Make sure you’re not missing out. Download the Co-contributions Fact Sheet now.

 * Fees may not be charged on small balances. Fees are only one factor you should consider when changing funds. Exit fees may be charged and insurances may be altered when you roll over so please seek advice from a financial planner.

Other super stuff

Ready to go the next step? Here’s a few other easy ways to sort your super.

Find your lost super. Latest estimates suggest there is around $13 billion in lost super. See how to find out if it’s yours.

read more >>

It's easy. Just follow these three steps.

STEP 1: Log on to the ATO's SuperSeeker .

STEP 2: Enter your personal details including:

  • Tax File Number 
  • Name,
  • Date of birth. 
  • and click submit.

 Any matches will be shown and you can then roll them into your Child Care Super account.

STEP 3: Fill in a Rollover Form for each account you find and we’ll arrange the transfer for you. Download a form now! 


It really is that easy!

Exit fees may be charged and insurances may be altered when you roll over so please seek advice from a financial planner.

 

 

New job. No worries. Same super. You don’t change your bank account when you change jobs, so why would you change your super fund? See how  easy it is to take your current super with you.

read more >>

Taking your account with you is easy and it may save you time and money in the long run, as you’ll only have one account for your whole working life.

All you need to do is give your new employer the Choice of Superannuation Fund form and they’ll start paying your contributions into your Child Care Super account.

We’ve even filled in most of the form for you, so all you need to do is add your name and member number, sign it and give it to your new boss on your first day. Download the form here now and best of luck on day one!

Note:Exit fees may be charged and insurances may be altered when you roll over so please seek advice from a financial planner.

 

Check how much super you should receive.  Most employees are entitled to receive super from their employer. Check how much you are entitled to.

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What super contributions am I entitled to?

Most employees are entitled to receive super from their employer.

Generally, you will receive super from your employer if you earn $450 or more in a calendar month and you are aged between 18 and 69.

There are a few other eligibility criteria. To check these, visit the Australian Taxation Office website at: www.ato.gov.au.

If you are entitled to receive super, your employer must pay 9% of your earnings base and pay this amount to a complying super fund like Child Care Super or a retirement savings account, at least every quarter.  A complying fund is one that meets Government standards.

If your employer doesn't pay your super entitlements on time, the ATO may impose financial penalties (including payment of outstanding contributions) on them.  Super must be paid to a super fund quarterly, by the 28th day after the end of the relevant quarter. (i.e. 28 October, 28 January, 28 April and 28 July).

How to check your super is being paid

If you’re concerned about the amount of super your employer is paying you should follow this simple three step process:

STEP 1
Talk to your employer. You should ask them how often they are currently paying your super, into which fund they are paying it, and how much they are paying.
You should also make sure you are eligible to receive super. Usually an employer has to pay super contributions for you if you are over 18 and you paid at least $450 in salary and wages (before tax) in a calendar month. It doesn’t matter if you work casual, part-time or full-time hours. You can also be eligible if you are a contractor working primarily for labour (eg graphic designer).

STEP 2
Check your last Member Statement from Child Care Super (or the fund you are in), or call us on 1800 060 215 to confirm if your employer has paid your super.

STEP 3
If you have completed Steps 1 & 2 and still think that your employer is not paying enough or any super, and/or is not paying the super to your chosen fund, you can lodge an enquiry about unpaid super by using the Australian Tax Office’s online Employee superannuation guarantee (SG) calculator tool, or phoning them on 13 10 20.

More information about unpaid super is available on the Australian Tax Office’s web site, click here to go there now.

 

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