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Instructions and form for employers and employees Choosing a super fund How to complete your Standard choice form (NAT 13080). DO YOU NEED TO COMPLETE THIS FORM? Employers You must complete this form

How to fill out choosing a super fund

How to fill out choosing a super fund?

1. Research different super funds: Start by conducting thorough research on different super funds available to you. Look into their investment options, fees, past performance, and any additional features or benefits they offer.
2. Consider your investment goals: Determine what you hope to achieve with your superannuation savings. Are you looking for long-term growth, income, or a combination of both? Understanding your investment goals will help you narrow down the options and choose a fund that aligns with your objectives.
3. Assess your risk tolerance: Consider how comfortable you are with taking on investment risks. Some super funds offer a range of investment options with varying levels of risk. Assess your risk tolerance and choose a fund that matches your comfort level.
4. Evaluate fees and charges: Compare the fees and charges associated with different super funds. Look for transparency in fee structures and consider the impact of fees on your investment returns over time. Finding a fund with low fees can help maximize your savings in the long run.
5. Seek professional advice, if needed: If you feel overwhelmed or unsure about the process, consider seeking advice from a qualified financial advisor. They can provide personalized guidance based on your specific circumstances and help you make an informed decision.

Who needs choosing a super fund?

1. Individuals starting their careers: Choosing a super fund is particularly important for individuals who are just starting their careers. Making informed decisions early on can have a significant impact on their long-term retirement savings.
2. Job changers: When switching jobs, individuals often have the option to either transfer their existing super balance to their new employer's default fund or choose a different fund. Taking the time to review and select the right super fund during job changes can help optimize investment returns and avoid unnecessary fees.
3. Self-employed individuals: Being self-employed means taking responsibility for your own superannuation. As a self-employed individual, you have the flexibility to choose the super fund that best suits your needs and goals. It's essential to dedicate time to select a fund that can help you achieve a comfortable retirement.
4. Those wanting more control: Some individuals may want more control over how their superannuation is invested. In such cases, they might choose to establish a self-managed super fund (SMSF), allowing them to make investment decisions directly. However, this option requires a higher level of knowledge, time commitment, and compliance with regulations.

Remember, choosing a super fund is a crucial financial decision that can impact your retirement savings. It's important to thoroughly research and consider various factors before making your selection.

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