Skip to main content
  • Individuals
    • Individuals
    • Business
    • Adviser
    • About us
    • Contact us
    • Claims
    • AIA Vitality Member Login
  • Search
  • AIA Australia
  • Health Insurance
    • Member Benefits
    • Member Login
    • Get a quote
    • Make a claim
  • Life Insurance
    • Life Cover
    • Total and Permanent Disablement
    • Crisis Recovery
    • Income Protection
    • Business Expenses
    • Make a claim
    • Medix
  • Retirement & Investment
    • Guaranteed Annuities
    • Investment Growth Bond
    • Unit Prices
  • AIA Vitality
    • Partners and Rewards
    • Already a member? Login
  • Content Hub
    • Move Well
    • Plan Well
    • Eat Well
    • Think Well
  • Help & Support
    • Making a Claim
    • Forms & Documents
    • Policyholder Information
    • Complaints process
    • Contact AIA
    • Customer feedback
    • COVID-19
    • Part 9
AIA
  • Individuals
  • Business
  • Adviser
  • About us
  • Contact us
  • Claims
  • AIA Vitality Member Login
  • Health Insurance

    Health Insurance

    Cover that protects and rewards.

    • Member Benefits

      Learn more about the range of benefits available to AIA Health Insurance members.

    • Member Login

      Existing members login here to your online account.

    • Get a quote

      Ready to get started?

    • Make a claim

      Get help with making a claim.

  • Life Insurance

    Life Insurance

    We’re here to help protect your family, your lifestyle and your future.

    For Individuals

    For Business

    • Life Cover

      Helps protect your loved ones if you are diagnosed with a terminal illness or pass away.

    • Total and Permanent Disablement

      A lump sum benefit if you're no longer able to work due to an injury or illness.

    • Crisis Recovery

      Helps ease the financial burden should you suffer a traumatic event.

    • Income Protection

      Can provide you with a monthly income if you become disabled due to injury or illness.

    • Business Expenses

      May assist to pay expenses of your business if you cannot work due to injury or illness.

    • Make a claim

      Get help with making a claim.

    • Medix

      Personal Medical Case Management.

  • Retirement & Investment

    Retirement & Investment

    Plan for a more comfortable tomorrow.

    • Guaranteed Annuities

      Can provide you with a regular, guaranteed income stream throughout your retirement.

    • Investment Growth Bond

      Also known as an insurance bond, it offers a tax-effective way to invest for the future and is flexible enough to suit a wide range of needs.

    • Unit Prices

      Find unit prices for a range of products formally known as Commonwealth and Colonial Products.

  • AIA Vitality

    AIA Vitality

    AIA Vitality is a personalised, science-backed health and wellbeing program that supports you every day to make healthier lifestyle choices.

    • Partners and Rewards

      Learn more about our partners and rewards.

    • Already a member? Login

      Check your AIA Vitality Status and get access to the tools you need to help improve your health.

  • Content Hub

    Content Hub

    The AIA Vitality Content Hub is your go to for science-backed, health and wellbeing inspiration and advice.

    • Move Well

      Finding your further when it comes to exercise and fitness.

    • Plan Well

      Providing the tools and support for your future, because a good tomorrow starts today.

    • Eat Well

      Caring for your body with food that makes you feel good.

    • Think Well

      Tools and information to help cultivate a healthy frame of mind.

  • Help & Support

    Help & Support

    We strive to assist you for all your inquiries with high touch customer service.

    Contact AIA
    • Making a Claim

      Get help with making a claim.

    • Forms & Documents

      A selection of forms and other important product related documents.

    • Policyholder Information

      Useful information for policyholders.

    • Complaints process

      If you have a complaint, we'll do our best to resolve the situation.

    • Contact AIA

      How to get in contact with us.

    • Customer feedback

      Let us know how we're doing.

    • COVID-19

      How we are responding.

    • Part 9

      Information about the transfer under Part 9.

  • Search
  • Contact Us
    • Call Us

      Open: 8am to 6pm, AEST Mon - Fri

    • Find an adviser

Plan Well
Prev | Next
Back to Top
  • {{title}}

    {{label}}
  • 5 steps to sorting out your super

    Staff writer - 3 min read

    30 November 2018


    It’s never too early (or late) to make smarter decisions for your future. Follow this simple advice to get ahead.

    5 steps to sorting out your super image

    Superannuation. It’s one of those financial must-dos that many Australians either put off for later in life, or assume that it will take care of itself. But even the smallest decisions today can have a huge impact further down the line.

    Sorting out your super could be the most important step towards a happy and secure retirement. And it’s easier than you might think.

    Consolidate your super

    Did you know 40 per cent of Australians are paying too much in superannuation fees, just by having multiple super funds?

    If you’ve worked at a few different jobs, your superannuation could be spread across multiple funds. This makes it hard to keep track of your investments, and it means you’re doubling up on fees that could be avoided.

    Rolling your super into one account will save you time, money, and stress. And it only takes a few minutes. If you’ve got multiple super funds, you can transfer them into one account by logging into the Australian Government’s myGov website, or contacting your preferred provider.

    Choose the right super fund for you

    When you’re starting a new job, most employers will give you the option of either paying your super to their default fund or nominating one of your own. Taking the time to compare providers is essential, because your employer’s default may not always be best suited for your needs.

    Whether it’s a retail fund operated by a bank, an industry fund, or another type of super fund, fees and benefits can vary significantly – and so can your insurance coverage. ASIC’s MoneySmart website has a handy guide to what you should look for in a super fund. And don’t be afraid to change providers if yours isn’t performing.

    Think about how you want to invest

    Just because you can’t withdraw your super until retirement doesn’t mean it shouldn’t be working hard for you. In fact, getting hands-on with your super is one of the most effective ways to maximise your benefits later in life.

    As a rule, the younger you are – or the more time you have before retirement – the more risk you can accept when choosing an investment strategy for your super. Older Australians don’t have as many years for their super to recover from a potential loss, but taking on more risk early in your working life can be lucrative.

    Consider speaking with a financial adviser about your investment strategy and your broader financial goals. You can go to the IFAAA website to find a certified independent adviser near you.

    Make your #onechange

    Check your super at the myGov website. If you’ve got multiple funds, consolidate everything under your provider of choice.

    Make voluntary contributions

    You can boost your super balance at any time through one-off or regular payments. And you’ll even benefit from tax breaks in the process.

    If you make voluntary contributions to your super through a salary sacrifice agreement – where your employer makes additional contributions on your behalf above the compulsory rate – these contributions are taxed at a maximum of 15 per cent, which is generally less than your marginal tax rate.

    Likewise, Australians can now claim a full tax deduction on personal super contributions from their take-home pay. For more information, visit the ATO.

    Check your insurance

    Whenever you’re reviewing your super fund, it’s a good idea to double check your insurance coverage. Life insurance, income protection, and total and permanent disability cover is often cheaper and easier to manage through your super than via other avenues.

    Contact your super provider to check your insurance coverage and premiums. When you’re comparing funds, read their product disclosure statements carefully. By choosing the right provider, and checking your insurance, you’ll have the coverage and peace of mind you need to secure your family’s future.

    Staff writer icon

    Staff writers come from a range of backgrounds including health, wellbeing, music, tech, culture and the arts. They spend their time researching the latest data and trends in the health market to deliver up-to-date information, helping everyday Australians live healthier lives. This is general information only and is not intended as medical, health, nutritional or other advice. You should obtain professional advice from a medical or health practitioner in relation to your own personal circumstances. The information in this article is general information only and is not intended as medical, health, nutritional or other advice. You should obtain professional advice from a medical or health practitioner in relation to your own personal circumstances.

    Disclaimer:
    The information in this article is general information only and is not intended as financial, medical, health, nutritional, tax or other advice. It does not take into account any individual’s personal situation or needs. You should consider obtaining professional advice from a financial adviser and/or tax specialist, or medical or health practitioner, in relation to your own circumstances and before acting on this information.


    This inspirational content is brought to you by AIA Vitality

    AIA Vitality is a science-backed program that helps you learn more about your health, offers ways to improve it and motivates you with rewards along the way.

    Contact AIA

    1800 333 613

    PO Box 6111
    Melbourne VIC 3004

    infohub@aia.com

    AIA Global aia.com

    Contact AIA

    1800 333 613

    PO Box 6111
    Melbourne VIC 3004

    infohub@aia.com

    Help and support

    Make a claim

    Frequently asked questions

    Customer feedback

    Complaints process

    Whistleblower policy

    Form library

    Explore AIA

    AIA Vitality

    Health insurance

    Life insurance

    OneLife

    About AIA

    Careers

    Our people

    Our commitments

    Media centre

    Our awards

    FSC commitment

    Help and support

    Make a claim

    Frequently asked questions

    Customer feedback

    Complaints process

    Whistleblower disclosure

    Forms and documents library

    explore Aia

    AIA Vitality

    Health insurance

    Life insurance

    Retirement & investment

    Content Hub

    about AIA

    Careers

    Our people

    Our commitments

    Media centre

    Our awards

    FSC commitment


    Copyright © 2021. AIA Group Limited and its subsidiaries or affiliates. All rights reserved. Priority Protection and Priority Protection for Platform Investors products are issued by AIA Australia Limited (ABN 79 004 837 861, AFSL 230043). AIA Vitality, a personalised, science-backed program that supports members every day to make healthier choices, is available with eligible products issued by AIA Australia. AIA Health with AIA Vitality is issued by AIA Health Insurance Pty Ltd ABN 32 611 323 034, a registered private health insurer governed by the Private Health Insurance Act 2207, Private Health Insurance Rules 2007 and the AIA Health Insurance Pty Ltd Fund Rules. The information on this website is current as at 1 April 2021 and may be subject to change. It is general information only and is not intended in any way to be financial, legal, tax, health, medical, nutritional or other advice. You should consider your own personal circumstances and needs and view the relevant product documents, fact sheets, fund rules and terms and conditions before making a decision to acquire such products. If necessary you should obtain professional advice from a financial, tax, medical or health professional. Unless expressly stated, any views or expressions of opinion (including any video content) do not represent the opinion of AIA.
    Terms of Use | Privacy