What happens to my super if I change jobs?

The last year or two has seen a dramatic change in the job environment. COVID-19 has impacted almost every worker; with job uncertainty, varying job conditions and working from home being some of the major changes we’ve had to deal with.  

One of the catch phrases you’ll have heard recently is the ‘great resignation’. It’s a trend that started in the USA, with workers quitting their jobs in greater numbers than at any time since tracking began in 2001. This movement is gaining momentum in other countries, including Australia. 

Statistically, January and February are the most common months when people look for a new job opportunity. According to the Australian Bureau of Statistics, over one million Aussies change jobs each year. 

Moving on to another job

From 1 November 2021, changes to super legislation have led to super accounts being ‘stapled’ to members. What this means is that when you change jobs your super fund goes with you, unless you elect a new super fund. 

The aim is to minimise the creation of unnecessary super accounts. From a member perspective, it means that there’s less paperwork, plus you’re not charged multiple sets of fees as a result of having multiple super accounts.

If you were with the Fund immediately prior to 1 November and receiving contributions, Maritime Super is most likely to be your stapled fund. If that’s the case, if you change jobs, you don’t need to complete any forms to keep your Maritime Super account - even if you find work outside the maritime industry. Your new employer will pay your contributions to your stapled fund.

If you’ve recently joined the Fund or have worked outside the maritime industry, it’s possible your stapled fund is another super fund. For your new employer to contribute to your Maritime Super account, you will need to complete a Choice of Fund form nominating Maritime Super and provide your employer your Maritime Super membership details. They will be able to start paying your super into your account. 

If you have recently started working and do not have a super fund, and you do not nominate a fund under choice of fund, your employer will pay your contributions into the employer’s nominated fund.

You can change the fund your employer pays your super into at any time by completing a Choice of Fund form and returning it to your employer. 

Find, combine, save

If you’ve worked in different jobs and industries, you may have super in more than one account. That means several sets of fees to pay, multiple investment strategies to manage as well as the paperwork associated with multiple accounts and correspondence from each fund. The end result? There’s a real risk that you lose track of your accounts.

By combining accounts, it’s easier to manage and have oversight over your super – plus you save on fees and you’re not paying for insurance cover you can’t use. 

The good news is that you can quickly and easily find lost super and consolidate your super accounts through MyGov – just log in to your MyGov account and follow the steps to submit your request.


The information on this page has been issued by Maritime Financial Services Pty Limited (MFS). It contains general information that doesn’t take into account your individual objectives, financial situation or needs. It’s important to consider how appropriate this general information is in relation to your situation before making an investment decision. We recommend that you seek financial advice before making any decisions regarding your super or investments. The information on this page is current at the time of publishing.