Have you opened your “super present” yet?

It’s that time of year again — Super Season (when those annual super statements start arriving).

For some, opening it feels like Christmas morning…

For others, it’s more like unwrapping socks from Nan.

But here’s the thing: your super could easily be your 2nd or 3rd biggest asset (after your home and maybe investments). Yet most people barely give it a glance.

That’s like owning a Ferrari and never checking under the bonnet.

So here’s a simple Super Statement Health Check to make sure your money is pulling its weight:

Super Statement Health Check

1. Balance – Compare your starting and ending balance over 12 months. Did it grow as expected?

2. Contributions – Make sure your employer has paid the right amount (now 12% SG) plus any extras you’ve added.

3. Fees & premiums – Review admin fees and insurance inside super. Are you paying for cover you don’t need or missing cover you do?

4. Investment performance – Balanced options are often 10–16% over the past year, growth/high-growth options closer to 16–20%. Is your fund keeping up?

5. Risk alignment – Are your investments still right for your stage of life and comfort with risk?

6. Beneficiaries – Who’s listed to receive your super if something happened to you? (Outdated beneficiaries are surprisingly common).

7. Retirement projection – Many statements show a forecast. Does the number give you confidence, or does it need a boost?

Here’s the golden rule: Super isn’t “set and forget”.

A small change now (fees, insurance, or contributions) can mean tens of thousands of dollars difference by the time you retire.

If you’re not sure how your super’s tracking or whether you’re on the right path to retirement, we can help.

Action Step: Contact us with “Super” and we’ll walk you through your next steps and make sure your fund is actually working for you, not against you.

Or book a session here: Super Review Booking Link 

Because unlike Christmas, when it comes to super, you deserve more than socks.

Talk soon,

7Wealth Pty Ltd ABN 44609210246 is a Corporate Authorised Representatives and is authorised through Cobalt Advisers Pty Ltd ABN 64 628 654 099 who is an Australian Financial Services Licensee 512550. 7Wealth Pty Ltd is a Credit Representative of Australian Finance Group Ltd ABN 11 066 385 822 (AFG) Australian Credit Licence 389087.  
This blog contains information that is general in nature. It does not constitute financial or taxation advice. The information does not take into account your objectives, needs and circumstances. We recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making any investment decision or acting on any of the information contained in this document. Subject to law, Cobalt Advisers Pty Ltd nor their directors, employees or authorised representatives, do not give any representation or warranty as to the reliability, accuracy or completeness of the information; or accepts any responsibility for any person acting, or refraining from acting, on the basis of the information contained in this document.