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Search query.Consolidating super fundsStreamline your superIf you received more than one super statement this year and arefinding it hard to keep track, you're not alone. You may even havelost some of your super over the years. If this sounds like you,here's how to streamline your super and save on fees.Why you should consolidate yoursuperThe benefits of having all your super in one accountinclude:. saving costs by paying only one set of fees. reducing your paperwork. making it easier to keep track of your super.If you're in a, think very carefully and get advice before leaving. How to move all your super into onefundTransferring all your super into one fund is usually an easyprocess, but you should first check the details of each fund youhave, so you can decide which one is best for you.
Check the details of your super fundsBefore you consolidate your super funds, check if:. there are any exit fees.
you currently have. changing will affect how much your employer contributes. Smart tipWhen consolidating your super, don't just choose the fund withthe highest balance. The best fund for you may be one of your smallaccounts, or a completely new fund. Information you'll need to compare super fundsGather the following details of your current super funds, so youcan compare like for like when making your decision about whichfund is right for you:.
Combined balance - Add up the balance of allyour funds and do your comparisons based on this balance. This willallow you to accurately compare expected fees and returns after youhave consolidated.
Investment option - By deciding how you wantyour super invested you can compare funds based on a similarinvestment. This may be different from how your money is currentlyinvested.
Fees - Look at the fees you are beingcharged in each fund - some may be a set dollar amount, others maybe based on a percentage of the balance. In the end it's the netresult (returns minus fees) that matters. Insurance - Decide how much insurance, if any,you would like to have inside super so you can compare premiumcosts for your chosen level of insurance in each fund.Compare and consolidate your funds. Compare funds - Use a to see how the top performing super fundscompare with yours. Remember that t here are hundreds ofpublicly available super funds and last year's top performer israrely this year's number one. Although past performance doesn'tguarantee future performance, any fund that is consistently in thetop 20 or so funds is probably doing okay. Make a choice - that best suitsyour needs.
Check your insurance cover - Make sure you canget an appropriate level of insurance in your chosen fund. Open an account - If you have chosen a newsuper fund you will need to open an account with the fund. Ask themfor all details your employer will need to pay your super into thatfund, and make sure you can get your desired level of insurancebefore you switch funds.
Tell your employer - Make sure they know whereto pay your super and how to correctly identify you to thefund. Rollover super to your chosen fund - Youcan do this online through. For more information, look at theAustralian Taxation Office's (ATO's) page. Or youcan transfer your balance to your new fund by contacting them byphone or online.
MERGED and NON MERGED installation:Since version 6.4.1 you'll be prompted during the installation to choose between MERGED and NON MERGED versions of the SuperPack:The merged version is more performant and arguebly more stable, but is not customizable because most plugins are merged in a single esp, so you cant deactivate a single mod. Wiedewiet wrote:From the guide to removing mods and rebuilding the Bashed Patch:Danwood wrote:'.Note that if the esp is tagged with imports, you must disable also its imports when rebuilding Bashed Patch, or it'll be imported when rebuilding it.What exactly do you mean by this? How can you check if an esp is 'tagged with imports'?When you select an Esp in Wrye Bash, on the right-down window there is an import list. When it is blank there are no imports, but if for example there is 'graphics', when rebuilding the Bashed Patch, you must be sure to not only uncheck the esp, but also to uncheck it from the Bashed Patch - import graphics' list.