Gemma Dale

So have I done all of that?

I mean, there've been many important strategies employed by the government, by the ATO to ensure that's less of a risk than it used to be.

But do I have all of my super in one place?

Do I know who it's invested with?

Generally, there may be a good reason to have two, which I'll talk about, and it usually is related to insurance.

So that's just a very specific scenario where having a second fund might work.

But broadly speaking, you want to know who it's invested with, what are your fees, and

And what asset allocation do you have?

Is your employer paying you super frequently?

If you have any concerns about that, you need to track it and make sure that you're seeing it go in.

The fact it's in your payslip doesn't mean it's in your fund necessarily.

So you want to go and check.

That is the low now.

So there have been a lot of improvements about things that used to cause people enormous distress and financial loss that were sort of built into the system.

Now the system has been cleaned up in a lot of ways to make it much better for individuals and employees.

So find out where your super is.

Go and have a look at your latest statement.

Get a login.

Most people forget their super login now.

You know, get a login, go and see where it's invested.