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Consolidating Superannuation Traps There are some traps you should be aware of particularly with regard to exit fees and insurance.There may be exit fees payable on some of your funds. Just because you currently have life insurance, TPD or temporary salary continuance (income protection) via your current fund, does not mean you will be able to get cover through your new fund.

Consolidating all your funds into one account will fix this.

It is highly recommended that you seek professional advice from a Financial Planner before taking any action.

If you own more than one superannuation account it might be time for you to consider the benefits of consolidating your superannuation accounts into the one fund.

Like many of us you may have accumulated a number of superannuation accounts as you moved from one job to another.

If you have moved house and not kept your superannuation fund informed of your current address then it is likely that they have nominated your account to the ATO’s Lost Member Register (LMR).

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