GUIDE: How to Find Your Lost Super


A quick guide to help you find (& claim) your lost super, in 2 minutes or less.

How to Find Lost Super

Superannuation makes up such a huge chunk of our income, yet so many of us never take the time to check up on it.

Thousands upon thousands of Australians have accrued super in funds that are consider ‘lost’ – and you may be one of them.

The Key: Every super fund that belongs to you is registered with your tax file number (TFN).

If you have your TFN, you will find your lost super.

Do You Have Lost Super?

You could have lost super if:

  1. You have changed jobs at anytime in your working career
  2. You have moved house and lost track of your mail
  3. You lived overseas and totally forgot about your Australian super fund.

Don’t panic – the money is still yours.

But if you want to get the most out of it and maximise your funds in retirement, you need to find it, then claim it, and the sooner the better.

MyGov – The Easy Way to Find Your Lost Super

If you haven’t stayed on top of your super over the years, you’re in luck: it is now easier than ever to keep track of your super.


In 2013 the Australian government launched myGov, a service that lets Australians securely access online services from the ATO, Medicare, Centrelink and more.



Step by Step: How to Use myGov

Find Your Lost Super with myGov

Here are my step by step instructions on how to use myGov to find and consolidate your lost super. It ...
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When you register for myGov at and link your account to the ATO, you can:

  • See details of all super accounts registered under your name
  • Search for ATO-held super in your name (if you accrue super but don’t have a registered account, the ATO holds it for you)
  • Consolidate your super into one account.

Some people have claimed hundreds of thousands of dollars in lost super, just by taking these simple steps. That’s not a bad return for 2 minutes of your time.

According to the 2015 Westpac Lost Super Report, Australians are missing a total of $13.4 billion in lost super – that’s an average of $9700 per account, almost two years’ worth for an average income earner.

This is money you’ve worked hard to earn. Don’t miss out – get your super under control today.

Super: You Found It, Now Watch It

Once you have found your lost super, don’t just forget about it.

Your super is such an important part of your income, it is well worth your while to do a proper review when you receive your super statement.

Here’s a quick super checklist:

  • What are your opening and closing balances for the year? Do they seem right?
  • Have you received all your employer’s payments? Cross-check these with your payslips and the MoneySmart employer contributions calculator if you’re not sure.
  • Have any extra contributions you made throughout the year been credited to your account?
  • What fees are you paying? Could you save money by switching to a different fund?
  • Do you receive life insurance, disability insurance or income protection insurance through your super fund? Check that you have the right level of cover for your situation. Could another super fund or insurance company offer a better deal?
  • Are you receiving returns for the investment options you opted into?

If anything seems to be incorrect or missing, or if there are any aspects of the statement you don’t understand, contact your super fund immediately.

Final Word

Keep your super costs low, make sure your investments are performing and most of all make sure your super is consolidated and not lost among many different accounts.

Superannuation will be your biggest asset outside of your home. Just as you maintain your house by mowing the lawn and painting the back deck, you also need to maintain your super fund.

You have found your lost super, now take control of your super strategy, and enjoy the benefits of a nest egg that will serve you long into the future.


The Wealth Guy Signature

Joshua Stega


The Wealth Guy

Joshua Stega is an expert financial adviser and founder of JAS Wealth in Sydney. He specialises in the habits and behaviours of wealth. Joshua has a Masters in Taxation and Financial Planning and is regularly featured in the media

M.TaxFP, LLB(Hons), B.Bus(Acc), FTI, Adv.DipFP, Dip.FP, SMSF Specialist
The information on this blog and website is of a general nature only. It does not take into account your individual financial situation, objectives or needs. You should consider your own financial position and requirements before making a decision. We recommend you consult a licensed financial adviser in order to assist you.
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