Many of us have a couple of superannuation accounts. Each time we swapped jobs, our employer set us up in a new fund, and unless you have been organised and rolled them into one account your super may not be working as hard for you as it could be.

You don't have to roll over your existing super, but here are some reasons why you might benefit from consolidating into one fund:

• You may save on fees and charges
• Convenience of knowing where all your super is, and how it is being managed (plus less window faced envelopes!)
• Rolling over makes it easier to watch all your money grow
• Less chance of losing track of a fund and becoming a 'lost member'

Rolling over your super is a simple process of completing a form and sending it to us. We liaise with your current fund and arrange the transfer. The Roll-over Form is available on our Member Services website or by calling Client Service.