How to protect your retirement fund, find lost super and what to do if moving overseas

Superannuation is complex. Did you know that your savings are not forever lost even if you have an inactive super account? But what is the recovery process? And what happens to super if moving overseas or when the account holder dies? Here's your complete guide to super.

Setting up an online account with your superannuation fund helps you track the mandatory contributions coming in from your employer. Credit: Urbancow/Getty Images

Key Points

• To avoid lost super, it is important to have your contact details up to date with your funds and the ATO.
• Early super access is only allowed in exceptional circumstances for citizens and permanent residents.
• Early super access is only allowed in exceptional circumstances for citizens and permanent residents.

Superannuation, or 'super', is money put aside by your employer over your working life for you to live on when you retire from work.

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