Super choice survival guide

How to get the greatest benefit from super choice.
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  • Updated:6 Jan 2005

11.Checklist - employer obligations and your super toolkit


Those employers who are legally required to offer fund choice have many obligations under the new fund choice rules.

They must:

  • Choose a default fund with some life insurance cover, for those who fail to exercise fund choice.
  • Give each eligible employee a Standard Choice Form (SCF) by 29 July 2005 unless the employer is informed of an employee’s fund choice in writing before 29 July 2005.
  • Make the choice happen within two months of the employee returning their SCF.
  • Give employees the option, on request, to change super funds once a year. If you change jobs after July 2005, any new employer must give you a Standard Choice Form within 28 days of you starting your new job, unless you inform your employer of your fund choice in writing before the 28 day period ends.

Your employer can knock back the choice you have made. Your chosen fund may be unable to accept your employer’s contributions unless your boss becomes a participating employer.

If this happens, there are three options:

  • Your boss may decide to become a participating employer. Your boss must sign a form that creates a contractual arrangement with the chosen fund’s trustee, and requires your boss to pay super contributions every quarter or every month, depending on fund requirements.
  • You find another fund that your employer is happy with; or
  • You end up in your employer’s default fund.

Your super toolkit

Use the following tools to ensure you make the best choices with your super.

1. Fees calculator
Use this calculator to work out how much you’re paying in fees in both dollar and percentage terms. The calculations are based on SelectingSuper's Total Expense Ratio (TER). Go to our fees calculator to determine your fees.

2. Super fund report cards
For a limited time members will have discounted access to SelectingSuper’s comparative super fund report cards for $99 instead of $169. Go to for more information.

3. Performance tables
The table will help you to position your existing fund and any others you're considering against the lowest, highest and average performer in the particular investment option you're looking at.