Gather the clues before comparing
A useful super investigation starts with three records: recent payslips, the fund transaction history and your myGov super view. Together they show what payroll says was contributed, what the fund received and what accounts the ATO can match to you.
Add the latest annual statement for fees, insurance and investment details. Use a personal email when accessing each account and download copies before an old employer portal or email address is closed.
Follow money in and money out
Match each employer contribution to a pay cycle. From 1 July 2026, payments are made with salary or wages and generally need to reach the fund within seven business days. Investigate gaps, rejected transactions and deposits sent to a different account.
Then total administration fees, investment fees shown on the statement and insurance premiums. Note that some investment costs are reflected in unit prices or net returns rather than appearing as a cash deduction. The purpose is to explain the balance movement, not force every figure into one transaction list.
Turn each finding into a safe next step
A duplicate account suggests a comparison, not immediate consolidation. A high premium suggests reviewing cover, not automatic cancellation. A weak one-year return suggests comparing long-term results and risk, not chasing last year’s winner. Each clue needs context before action.
Record who will handle the next step and by when. If the issue is missing employer super, ask payroll and then use the ATO process if unresolved. If it is an unknown rollover or contact-detail change, call the fund’s fraud team immediately.
Quick reference
Key things to remember
- Gather old payslips, tax returns and employer names.
- Search ATO online services through myGov.
- Check former names, addresses and contact details.
- Contact funds using phone numbers you verify independently.
Put it into practice
Your next steps
- 01
Build a job timeline.
- 02
Match each employer to a fund or contribution.
- 03
Resolve identity differences with the fund.
- 04
Review insurance before any consolidation.
Check the source
Official information
Super and tax rules change. These primary sources are the right place to verify the details before you act.