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# Nationwide Super

Small Business Super

## Sitemaps

- [XML Sitemap](https://www.nationwidesuper.com.au/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [News](https://www.nationwidesuper.com.au/news) - The latest news, advice and fresh ideas for all things related with super, small business productivity and more. Read more here.
- [Superannuation Rates and Thresholds](https://www.nationwidesuper.com.au/superannuation-rates-and-thresholds) - The super guarantee rate is currently 12% of ordinary earnings. See further details of official superannuation rates (including superannuation guarantee rates, thresholds and caps) from The Australian Taxation Office (ATO) for the 2025-26 financial year. Learn more.The Australian Taxation Office (ATO) has released the key superannuation rates and thresholds for the 2025 - 2026 financial year.
- [2026 Federal Budget](https://www.nationwidesuper.com.au/2026-federal-budget) - This summary provides commentary on the economic view of the 2026 Federal Budget announcements and highlights key changes for investors, advisers and members, particularly in superannuation.
- [Navigating volatile markets](https://www.nationwidesuper.com.au/navigating-volatile-markets) - With recent global events causing ongoing market volatility, it’s understandable to feel concerned about your super. But it’s important to remember - super is a long-term investment.
- [Understanding Salary Sacrifice](https://www.nationwidesuper.com.au/understanding-salary-sacrifice) - Salary sacrifice (or salary packaging) is an arrangement through your employer where you can pay for certain things from your pre-tax salary. Getting advice about whether salary sacrifice is something you should consider.
- [Understanding Socially Responsible Investing](https://www.nationwidesuper.com.au/understanding-socially-responsible-investing) - Socially responsible investment takes environmental, social, governance (ESG) or ethical considerations into account for investment selection and management.
- [Making Extra Contributions To Super Has Rewards](https://www.nationwidesuper.com.au/making-extra-contributions-to-super-has-rewards) - Making Extra Contributions To Your Super Has Rewards The best time to start tipping any extra money you can afford into super is today. Whether your retirement is just around the corner or a long way down the track, the tax benefits and compound earnings potential could give your retirement nest egg a significant boost.
- [Turbo boost your super savings with salary sacrifice](https://www.nationwidesuper.com.au/turbo-boost-your-super-savings-with-salary-sacrifice) - Making additional contributions to super while you’re still working can make a massive difference to your retirement savings. Learn more.
- [Super News - Member Edition - Issue #2 2018](https://www.nationwidesuper.com.au/super-news-member-edition-issue-2-2018) - Super News - Member Edition - Issue #2 2018 Welcome to the latest edition of Super News for our members. In this edition we look at some exciting new changes for the Fund, including our new alliance with Russell Investments, some simple tips to help you understand salary sacrifice, details of the financial advice service
- [Deciding what to do with your superannuation savings](https://www.nationwidesuper.com.au/planning-for-retirement) - To help our members work out which options would best suit their needs – they can start with a ‘Retirement Health Check’ with their own Super Adviser. Learn more.
- [Financial Advice Is Just A Phone Call Away](https://www.nationwidesuper.com.au/financial-advice-is-just-a-phone-call-away) - Financial Advice Is Just A Phone Call Away Sooner or later, we’re all going to have a few questions about our super and other finances that we could use a little help with. When it comes to helping our members understand their options when it comes to super and their financial situation - we call
- [Important update](https://www.nationwidesuper.com.au/important-update) - We are continuing heightened monitoring of our systems in response to the cyber incident impacting other funds. So far, we have not identified any suspicious activity on our fund. Members can continue to log in and access their super accounts. We recommend updating your password and avoiding the use of the same password across different websites. Due to high traffic volumes, the website may be temporarily unavailable—if so, please try again later. Contact centre wait times may also be longer than usual. We appreciate your patience.
- [2023 Annual Survey Competition Winners](https://www.nationwidesuper.com.au/2023-annual-survey-competition-winners) - Congratulations to the following winners of a $100 gift card for completing our 2023 Annual Member Survey, we'll be in touch with you shortly: L.Lee E.Liu V.Pietsch S.Whetstone K.Karudu
- [Protecting Your Super](https://www.nationwidesuper.com.au/optusbreach) - The security and safety of your super is our priority. We have taken additional precautionary measures to prevent and detect suspicious transactions and are closely monitoring member account activity.
- [How To Buy An Existing Small Business in Australia](https://www.nationwidesuper.com.au/how-to-buy-an-existing-small-business-in-australia) - Buying a small business isn't as easy as shaking hands with the owner. In Australia, there are steps and processes that you have to go through to get that business.
- [Annual Member Survey Winners](https://www.nationwidesuper.com.au/annual-member-survey-winners) - Congratulations to the promotional winners from the Annual Member Survey: K. Hunter of QLD A. Gordon of VIC C. Jensen of QLD M. Dos Santos Silva D. Devi of NSW Congratulations to the promotional winners from the Annual Member Survey.
- [How to start an online business in Australia in 2022](https://www.nationwidesuper.com.au/how-to-start-an-online-business-in-australia-in-2022) - For an aspiring business owner, now is the perfect time to start an online business and capitalise on the growing market. With this in mind, here is how you can successfully create and launch your online business in Australia.
- [2022-23 Federal Budget](https://www.nationwidesuper.com.au/2022-23-federal-budget) - The Australian Treasurer, Josh Frydenberg has delivered the 2022-23 Federal budget marking the beginning of the transition to the second phase of fiscal strategy, with an eye to budget repair in coming years.
- [7 Ways of Effectively Managing Employees in a Small Business](https://www.nationwidesuper.com.au/7-ways-of-effectively-managing-employees-in-a-small-business) - If you take care of your employees, they will take care of your customers. But how do you ensure that your employees are appropriately managed and taken care of?
- [Why Your Small Business Needs to Be on Social Media](https://www.nationwidesuper.com.au/why-your-small-business-needs-to-be-on-social-media) - Digital marketing can end up costly, particularly when done poorly, which is why it isn’t everyone's cup of tea. Social media marketing in contrast can be extremely cost effective with the right strategy.
- [Grants to help your small business grow in Australia in 2022](https://www.nationwidesuper.com.au/grants-to-help-your-small-business-grow-in-australia-in-2022) - There are several government and non-government programs and grants to turn your business ideas into success. However, knowing the ideal ones to apply for can be a difficult task. Let’s look at some of the best grants on offer.
- [How to Grow a Small Service Business in Australia](https://www.nationwidesuper.com.au/how-to-grow-a-small-service-business-in-australia) - Small businesses may make up a huge part of Australia's economy. These four tips are important in running a service business in these competitive times.
- [5 Simple Small Business Ideas for Australians in 2022](https://www.nationwidesuper.com.au/5-simple-small-business-ideas-for-australians-in-2022) - The following are simple small business ideas that make for great entry points for anyone looking to start a small business in 2022, whether as a primary or side hustle.
- [How to Grow Your Small Business Online in 2022](https://www.nationwidesuper.com.au/how-to-grow-your-small-business-online-in-2022) - If your goal is to grow your small business online, there is no simple universal handbook to follow. However, these six steps can guide you as you shift your focus to online growth.
- [Small Business Opportunities in a Post COVID World](https://www.nationwidesuper.com.au/small-business-opportunities-in-a-post-covid-world) - COVID-19 has disrupted most small businesses by making it hard to operate in the normal way. However, the crisis also yielded several opportunities for discerning small business owners and entrepreneurs.
- [Ways To Protect Your Small Business From Cyber Attacks](https://www.nationwidesuper.com.au/ways-to-protect-your-small-business-from-cyber-attacks) - The damage caused by a cyber security breach to a small business cannot be understated, with 80% going bankrupt within 12 months. Find out how to protect your small business against cyber threats.
- [A guide to shipping products as a small business in Australia](https://www.nationwidesuper.com.au/a-guide-to-shipping-products-as-a-small-business-in-australia) - As a small business in Australia, how you manage shipping, fulfilment and returns has the potential to make or break your venture. Read our tips on optimising your processes.
- [How to Start a Small Business from Home in 6 Simple Steps in 2021](https://www.nationwidesuper.com.au/how-to-start-a-small-business-from-home-in-6-simple-steps) - With many people launching their own business from home it's more important than ever to put together a business plan before you go live. We've put together six simple steps to help you start a small business from home.How to Start a Small Business from Home in 6 Simple Steps in 2021 If you've been thinking about starting a new business, your timing is perfect - especially if you would like to start a small business from home. Nearly one million Australians are running home-based businesses, and that number continues to grow
- [Reduce Costs and Improve Cash Flow In Your Small Business](https://www.nationwidesuper.com.au/reduce-costs-and-improve-cash-flow-in-your-small-business) - There are several ways you can reducd your operational costs, improve cash flow and avoid the anxiety of being unable to pay your creditors - and this does not have to involve letting go of your staff. Read our 9 tips.
- [What Is a Super Clearing House?](https://www.nationwidesuper.com.au/what-is-a-super-clearing-house) - A super clearing house allows you to pay all superannuation contributions online from one location, regardless of the fund your employee is with. It will save you time, it's easy, and will help ensure you comply with the ATOs requirements. Learn more
- [Single Touch Payroll proposal](https://www.nationwidesuper.com.au/single-touch-payroll-proposal) - From 1 July 2017, all businesses will be able to opt-in to Single Touch Payroll reporting and medium – large businesses will commence transitioning.
- [What is the spouse super tax offset?](https://www.nationwidesuper.com.au/what-is-the-spouse-super-tax-offset) - What is the spouse super tax offset? Legislation allows your spouse to make superannuation contributions for you if you earn up to $40,000, and claim a tax offset. Find out more.
- [How Do Super Funds Work?](https://www.nationwidesuper.com.au/how-do-super-funds-work) - Superannuation is one of the best ways to save money for your retirement, and has rules set by the government to manage how super is paid. Learn more.
- [2021 Federal Budget](https://www.nationwidesuper.com.au/2021-federal-budget) - The Australian Treasurer, Josh Frydenberg has delivered a highly stimulatory 2020 Federal budget in the face of the COVID-led downturn. Long gone is any suggestion about a return to surplus soon, with deficits expected each year over the medium-term projections to 2030/31.
- [Finding & Consolidating Super Accounts](https://www.nationwidesuper.com.au/finding-consolidating-super-accounts) - Finding & Consolidating Super Accounts If you’ve had a few jobs in your life, it’s likely you’ve got a few super accounts too. There are many more super accounts than there are working Australians, and if you’ve lost track of some of your accounts, you’re not alone. According the Australian Tax Office (ATO) there’s nearly
- [How to Find Lost Super](https://www.nationwidesuper.com.au/how-to-find-lost-super) - If you have lost super funds, consolidating your accounts together could mean you save money on fees, and your super is easier to track and manage. Learn more
- [Why is Superannuation compulsory in Australia?](https://www.nationwidesuper.com.au/why-is-superannuation-compulsory-in-australia) - Superannuation is a compulsory Government policy designed to accumulate savings and financial freedom for working Australians in their retirement. Find out more.
- [Is my Super on Target?](https://www.nationwidesuper.com.au/is-my-super-on-target) - You should check your super often to ensure that it is on the right track. If not, you can make the changes necessary to be ready for your future. Learn more.
- [Find lost super easier than ever](https://www.nationwidesuper.com.au/find-lost-super-easier-than-ever) - Finding lost super and consolidating accounts is easier than ever There’s over $12 billion in lost super waiting to be claimed at the Australian Tax Office (ATO), and approximately 3 super accounts for every working Australian. We’re always looking for ways to help members get re-united with lost super accounts, and make it easier to
- [Superannuation: How Does It Work For Employees In Australia?](https://www.nationwidesuper.com.au/superannuation-how-does-it-work-for-employees-in-australia) - Generally, retirement income in Australia is funded with a combination of personal savings, government pensions and superannuation. Understanding how Superannuation works will help you make better choices for growing your super, so you can enjoy the retirement you deserve and have always dreamed of. Learn more.
- [Why You Need Life Insurance](https://www.nationwidesuper.com.au/why-you-need-life-insurance) - Is your family financially prepared if you become disabled or are unable to work? Ask yourself these questions when considering if you should get life insurance
- [Superannuation As a Small Business Owner: Everything You Need To Know](https://www.nationwidesuper.com.au/everything-you-need-to-know-about-superannuation-as-a-small-business-owner) - If you’re looking at starting a small business, or are already running one, and have staff working for you - you have alot on your plate. Find out everything you need to know about Superannuation as a small business owner, to make sure you don't get penalised. Learn more.
- [Still have multiple super accounts of your own?](https://www.nationwidesuper.com.au/still-have-multiple-super-accounts-of-your-own) - Whether you’re a business owner or an employee, as a member we can help you gather multiple super accounts (called consolidating) and roll them over into one.
- [Have you done a quick super check lately?](https://www.nationwidesuper.com.au/have-you-done-a-quick-super-check-lately) - Paying super is an important part of being an employer. Here’s a quick checklist to help make sure you’ve this whole super thing sorted.
- [Doing a Super Check as an Employer](https://www.nationwidesuper.com.au/doing-a-super-check-as-an-employer) - A super check is essential to make sure that you are doing everything you can & are required to do, to help your employees be ready for their future. Learn more
- [Small Business Super Business Newsreel - April 2021](https://www.nationwidesuper.com.au/small-business-super-business-newsreel-april-2021) - The Small Business Super Business Newsreel by the Nationwide Super team. April 2021 edition - bringing you up to date with our latest news for the year For this update, we're going back to basics and covering a six-point checklist of your main super obligations as an employer. These include: 1. Are you paying super
- [Superannuation Support for Low-Income Earners](https://www.nationwidesuper.com.au/superannuation-support-for-low-income-earners) - The Australian Government provides support for people on low incomes to save for their retirement. Learn more.
- [How To Get Free Publicity For Your Small Business](https://www.nationwidesuper.com.au/how-to-get-free-publicity-for-your-small-business) - Every business owner struggles to build a name through public exposure but there are a number of methods you can use that don’t need a massive investment. Find out how.
- [How to Write a Business Plan for a Small Company in 2021](https://www.nationwidesuper.com.au/how-to-write-a-business-plan-for-a-small-company) - No matter what type of business you plan to start, a business plan is essential to get yourself organised. Writing a business plan for a small company requires as many details as a larger enterprise, and will be just as useful for potential investors and lenders as it will be for you.
- [7 Strategies for Finding Good Employees for Your Small Business in 2021](https://www.nationwidesuper.com.au/7-strategies-for-finding-good-employees-for-your-small-business) - It's essential to find employees that have the right skills and mindset for the job, as well as employees who are likely to be good long-term fits for your company.
- [How Super Is Taxed](https://www.nationwidesuper.com.au/how-super-is-taxed) - How Super Is Taxed The superannuation system has been designed to help you become as financially self-sufficient as possible after you retire. While the government will change the rules, regulations and rates from time to time, super is generally subject to different tax rules than your regular income and other investments, in order to make
- [How Do I Find an Investor for my Business?](https://www.nationwidesuper.com.au/how-do-i-find-an-investor-for-my-business) - The best way to find an investor for your new business depends on your needs, and whether you’re prepared to offer equity in your business. Learn more.
- [Google Analytics for Small Business](https://www.nationwidesuper.com.au/google-analytics-for-small-business) - Google Analytics has emerged as a fast, easy and cost-effective way for small businesses to collect and monitor data. With its user-friendly interface and great visuals, Google Analytics makes it easy for small business owners to monitor the performance of their marketing initiatives.
- [How Life Events Affect My Super](https://www.nationwidesuper.com.au/5902) - Life changes that can affect your super include a variety of events that most people will encounter, including getting married, and buying a home. Learn more.
- [Thinking of starting a small business? Do these things first](https://www.nationwidesuper.com.au/thinking-of-starting-a-small-business-do-these-things-first) - Before you get too ahead of yourself, there are some important steps to follow when setting up a new business that will help ensure your success.
- [Insurance Claims Made Simple](https://www.nationwidesuper.com.au/insurance-claims-made-simple) - Insurance Claims Made Simple Simple is back! Making an insurance claim can be a difficult time for many people, even sometimes adding more stress for those who are sick or injured and possibly feeling alone. As a member with Nationwide Super, you’re not alone – we’re here for you. We strive to ensure our members
- [Choosing Nationwide Super as your 'default' fund](https://www.nationwidesuper.com.au/choosing-us-as-your-default-fund) - An employer-nominated or ‘default’ fund is the superannuation fund you will pay super contributions into for your employees if they don’t choose their own fund.
- [Income Protection Insurance](https://www.nationwidesuper.com.au/income-protection-insurance) - Income protection insurance (or salary continuance) can help you manage your income gap while you recover from illness or injury. Learn more.
- [We've launched - Nationwide Super is here!](https://www.nationwidesuper.com.au/weve-launched-nationwide-super-is-here) - Nationwide Super – small business super business Our new Nationwide Super branding was launched in mid-March. As part of a strategic review of the Fund, we’ve redefined why we’re in business, what we’re delivering and how we’re going to do it. The result includes a fresh new look and a change in our branding from
- [Single Touch Payroll is almost here](https://www.nationwidesuper.com.au/single-touch-payroll-is-almost-here) - Single Touch Payroll is almost here If you’re a business with 20 or more employees, then the government’s Single Touch Payroll (STP) scheme is about to come into effect for you. This scheme, along with a number of other recent reforms, have been designed by the government to safeguard and modernise the Superannuation Guarantee (SG)
- [Should I Salary Sacrifice Some Of My Super?](https://www.nationwidesuper.com.au/should-i-salary-sacrifice-some-of-my-super) - Making voluntary contributions to your super fund is a great way to boost your retirement savings and help grow your nest egg for retirement more rapidly. Contributing to your super could also limit the amount of taxes that you pay each year. But is it the right option for you?
- [More Tips to Help You Manage a Small Business](https://www.nationwidesuper.com.au/more-tips-to-help-you-manage-a-small-business) - Now that you have your business up and running, here are some more tips to help you manage your small business.
- [Build a Successful Online Presence for your Business by Blogging](https://www.nationwidesuper.com.au/build-a-successful-online-presence-for-your-business-by-blogging) - By blogging, you can show others that you know what you are talking about and will be considered an expert, giving credibility to your business.
- [Starting a New Business in Australia](https://www.nationwidesuper.com.au/starting-a-new-business-in-australia) - Starting a business requires much more than a fantastic idea and endless enthusiasm. It takes a great deal of time, energy and resources to get a business off the ground and on the way to profitability. Follow these steps and you'll stay on track and keep your sanity. Learn More.
- [Your Unique Path to Small Business Success](https://www.nationwidesuper.com.au/your-unique-path-to-small-business-success) - As a business, you need to identify your Unique Selling Proposition (USP). Identify your main competitor/s, and the main features of your business, and then translate these into benefits as your customer would perceive them. Learn more.
- [Ready For Single Touch Payroll](https://www.nationwidesuper.com.au/ready-for-single-touch-payroll) - Are you ready for Single Touch Payroll? New obligations for any-sized business from 1 July The government’s Single Touch Payroll (STP) reporting scheme has now been extended to include all small employers (those with fewer than 20 employees) from 1 July 2019. Larger employers should already be reporting through STP or have applied for a
- [Employer Newsreel Video Series - Single Touch Payroll](https://www.nationwidesuper.com.au/employer-newsreel-video-series-single-touch-payroll) - Welcome to the first 'Small Business Super Business' Newsreel by the Nationwide Super team. In this August 2019 update, we cover the key details of the government's new Single Touch Payroll scheme that is now effective for businesses of any size in Australia.
- [Single Touch Payroll Update](https://www.nationwidesuper.com.au/single-touch-payroll-update) - Single Touch Payroll Update If you’re a business with 20 or more employees, then the government’s Single Touch Payroll (STP) scheme came into effect for you on 1 July 2018. This scheme has been designed by the government, along with a range of other reforms, to safeguard and modernise the Superannuation Guarantee (SG) system. The
- [Why do I Need a Tax File Number?](https://www.nationwidesuper.com.au/why-do-i-need-a-tax-file-number) - Wondering why you need a Tax File Number? Find out all you need to know about why you need one, what it is for and how to apply for one today. Read more now!
- [Superannuation for Minors: How Does It Work?](https://www.nationwidesuper.com.au/superannuation-for-minors-how-does-it-work) - Contact Nationwide Super for all the information you need on Superannuation for Minors and make sure you are paying what is required to the youth of your workplace.
- [Checklist to start your own small business](https://www.nationwidesuper.com.au/checklist-to-start-your-own-small-business) - Starting your own business can feel a little overwhelming, but it doesn’t need to be. Getting your business off the ground is just a few steps away.
- [How to sell your small business in Australia](https://www.nationwidesuper.com.au/how-to-sell-your-small-business-in-australia) - While the sale of each small business is unique, there are several considerations and well-established steps you can take to find the right deal. If you are ready to sell your business, consider the following steps.
- [Key Business Growth Strategies during and after COVID19](https://www.nationwidesuper.com.au/key-business-growth-strategies-during-and-after-covid19) - The COVID-19 pandemic has affected not only the global economy but also the day-to-day business cash flow. A shift in strategy will help businesses take better care of employees, satisfy customer needs, and enhance the company's financial health. 
- [How Google Analytics Can Help my Small Business](https://www.nationwidesuper.com.au/how-google-analytics-can-help-my-small-business) - As a business owner you need to understand your customers and their needs. Google Analytics is free and one of the best tools for the job. Learn more.
- [How to turn your small business into a franchise in Australia](https://www.nationwidesuper.com.au/how-to-turn-your-small-business-into-a-franchise-in-australia) - Australia today is arguably one of the major players in the world of franchising with estimates that there are more franchise systems per capita than any other country. If you are looking at how to franchise your small business in Australia, this guide will help you.
- [Small Business Super Business Newsreel - June 2021](https://www.nationwidesuper.com.au/small-business-super-business-newsreel-june-2021) - This special edition includes an interview with a long-term friend of the Fund, Andrew Nicholl, CEO of the Australian Trainer's Association. We talk about how Andrew got into horse racing, the role of the ATA and the support they provide to members, how the training industry fared last year during the height of COVID and
- [Social Media for Small Business: Where to begin?](https://www.nationwidesuper.com.au/social-media-for-small-business-where-to-begin) - For a small business, maintaining a social media presence can seem like a questionable use of effort and capital. But it's one of the most critical steps to reach the next level. 
- [Small Business Stress Management Tips during COVID19](https://www.nationwidesuper.com.au/stress-management-tips-during-covid19) - Right now, we're experiencing especially challenging times with COVID-19. How do you manage stress for yourself and your employees in the face of such realities? Let's look at some stress management strategies to help you keep your equilibrium no matter what is happening around you.
- [Start a Small Business in Australia: Your 6-Step How To Guide](https://www.nationwidesuper.com.au/how-to-start-a-small-business-in-australia-your-6-step-guide) - Starting a successful small business in Australia requires strategic planning, hard work, and dedication. If you embody these qualities, your odds of long-term prosperity will rise. Below are six steps to starting a new business in Australia.
- [Productivity in Crisis: The Best Ways to Take Advantage of the Downtime](https://www.nationwidesuper.com.au/productivity-in-crisis-the-best-ways-to-take-advantage-of-the-downtime) - Due to the current coronavirus crisis, many small business owners are facing a great deal of downtime, both personally and for their businesses. That doesn't mean however, that you have to panic! In fact, you can take advantage of that downtime!
- [Ways to Promote Workplace Wellness Following COVID-19](https://www.nationwidesuper.com.au/ways-to-promote-workplace-wellness-following-covid-19) - Attempting to adjust to a new normal is something that all Australian workplaces will have to work through in the months and even years ahead when it comes to COVID-19. In order to maintain wellness at work, your office will need to utilise several new strategies when returning to work.
- [7 Financial Tips for Small Businesses Operating during COVID](https://www.nationwidesuper.com.au/7-financial-tips-for-small-businesses-operating-during-covid) - The COVID-19 pandemic changed the operating environment for thousands of small businesses around the world. Small business owners have to rethink their strategies, adjust spending, and review cash flow management.
- [Strengthen Your Business in an Economic Downturn](https://www.nationwidesuper.com.au/strengthen-your-business-in-an-economic-downturn) - Don't Let a Downturn Overturn Your Business Dreams: 3 Strategies to Use to Face This Current Recession & Strengthen Your Business in an Economic Downturn
- [How to Pay Super for Your Employees](https://www.nationwidesuper.com.au/how-to-pay-super-for-your-employees) - We offer employers a free ‘clearing house’ – where you make one super contribution for all your employees. Contact us to find out how to pay super to your staff
- [Superannuation Rates and Thresholds for 2019 - 2020](https://www.nationwidesuper.com.au/superannuation-rates-thresholds-caps-2019-2020) - The super guarantee rate is currently 9.5% of ordinary earnings, which will remain in place until 2021. See further details of official superannuation rates (including superannuation guarantee rates, thresholds and caps) from The Australian Taxation Office (ATO) for the 2019-20 financial year. Learn more.
- [How To Boost Your Super](https://www.nationwidesuper.com.au/how-to-boost-your-super) - You can contribute additional money into your superannuation fund, as either Concessional or Non-Concessional Contributions. Learn more.
- [How much super do I need?](https://www.nationwidesuper.com.au/do-i-need-a-pension-how-much-super-is-enough) - Wondering how much super you'll need to retire? This will depend on your desired standard of living, however the best way to make sure you get to retirement comfortably is planning and getting advice early. Choose a super fund where members are the priority. Contact Nationwide today.
- [Small Business Super Business Newsreel - December 2020](https://www.nationwidesuper.com.au/small-business-super-business-newsreel-december-2020) - The Small Business Super Business Newsreel by the Nationwide Super team. December 2020 edition - bringing you up to date with our latest news for the year. This time around we're taking a deeper dive into GoalTracker - covering the problem that it's been designed to solve for members and why we're really excited about
- [Small Business Super Business Newsreel - November 2020](https://www.nationwidesuper.com.au/small-business-super-business-newsreel-november-2020) -  The Small Business Super Business Newsreel by the Nationwide Super team. November 2020 edition - bringing you up to date with our latest news for the year For this update, we're going to start by looking at our response to the COVID-19 pandemic and then go through the key take-outs for super from the
- [Super for the Self-Employed](https://www.nationwidesuper.com.au/super-for-the-self-employed) - Super is a tax-effective way to save money for your retirement. Contributions you make into super for yourself are taxed at a low rate. Learn more.
- [How is my super taxed?](https://www.nationwidesuper.com.au/how-is-my-super-taxed) - How is my super taxed? Saving for retirement is imperative, and one way to achieve this is by contributing to a superannuation fund. To encourage the culture of saving, super is subject to different tax rules. Let us break it down for you. How Super is Taxed - The Basics Usually, super is taxed at
- [Advantages of Being a Horse Trainer](https://www.nationwidesuper.com.au/advantages-of-being-a-horse-trainer) - Horse training is considered a growth industry, and is an industry where you don't need a formal education to be successful. You do need to love what you are doing and for the first few years observe what successful people do.
- [Federal Budget 2020 - Member Update](https://www.nationwidesuper.com.au/federal-budget-2020-member) - Federal Budget 2020 - Member Update What’s in the 2020 Federal Budget for super and pension members? Our super and investment experts discuss the proposed changes. Remember, the changes below are just proposals, until they pass through the Federal Parliament. If and when that happens, most of these measures will come into effect on 1
- [Federal Budget 2020 - Full update](https://www.nationwidesuper.com.au/federal-budget-2020) - The Australian Treasurer, Josh Frydenberg has delivered a highly stimulatory 2020 Federal budget in the face of the COVID-led downturn. Long gone is any suggestion about a return to surplus soon, with deficits expected each year over the medium-term projections to 2030/31.
- [How to choose the right mentor for your small business](https://www.nationwidesuper.com.au/how-to-choose-the-right-mentor-for-your-small-business) - There is growing evidence that hooking up with a business mentor can greatly improve the outlook for your company’s success and lifespan. Learn more.
- [What Are the Steps in Starting a New Business?](https://www.nationwidesuper.com.au/what-are-the-steps-in-starting-a-new-business) - If you want to get that business off the ground, you’ll need to work out a plan. Here are the steps in getting your business started. Read more.
- [Nationwide Super: The super fund for small business](https://www.nationwidesuper.com.au/the-super-fund-for-small-business) - NSF Super is now Nationwide Super, the small business super fund, catering for the changing needs of workers and small-to-medium-sized businesses employing them. Find out more.
- [Employer Newsreel Video Series - March 2020.](https://www.nationwidesuper.com.au/employer-newsreel-video-series-march-2020) - The Small Business Super Business Newsreel by the Nationwide Super team - March 2020. In this edition we're bringing you up to date with some important changes to superannuation that you should be aware of. We're going to start by looking at some legislative changes to the provision of insurance cover within superannuation for members.
- [Employer Newsreel Video Series - December 2019](https://www.nationwidesuper.com.au/employer-newsreel-video-series-december-2019) - The Small Business Super Business Newsreel by the Nationwide Super team - December 2019. In this update, we're joined by Jodie Hampshire - Managing Director of Russell Investments Australia. Jodie talks to us about the connection between Nationwide Super and Russell Investments, and gives us her insights into the superannuation landscape heading into 2020.
- [Your Overseas Holiday Planner](https://www.nationwidesuper.com.au/overseas-holiday-planner) - Here are 14 things that you should focus on planning and doing before heading off on an overseas holiday. Read more.
- [GoalTracker Launch Update](https://www.nationwidesuper.com.au/goaltracker-launch-update) - GoalTracker Launch Update We wrote to members in late February 2020 about enhancing our super offering with GoalTracker: a new and better way to do super. One of the benefits of GoalTracker is that it’s designed to take the worry and emotion out of trying to choose your investment strategy – over the course of
- [Tips for Running a Newsagency Profitably](https://www.nationwidesuper.com.au/tips-for-running-a-newsagency-profitably) - Running a newsagency gets complicated when consumers find it more convenient to get their news online, rather than walking down the block to purchase a hard copy. However challenging it might be, there are solutions for a newsagency to achieve a successful outcome. 
- [How to Write a Horse Breeding Business Plan](https://www.nationwidesuper.com.au/how-to-write-a-horse-breeding-business-plan) - Starting a horse breeding business is a huge undertaking and you will likely need to add other services to sustain a reliable cash flow. If you plan to include additional services such as boarding and training, your horse breeding business plan needs to reflect those added services. A basic business plan consists of the following..
- [Non-concessional contributions: What are they and who can make them?](https://www.nationwidesuper.com.au/non-concessional-contributions-what-are-they-and-who-can-make-them) - When it comes to making non-concessional contributions to a super account, there are really only two main people who are allowed to make them (and sometimes only one person).
- [Five Tips to Help You Afford Retirement at 50](https://www.nationwidesuper.com.au/five-tips-to-help-you-afford-retirement-at-50) - If you're thinking of early retirement, you'll need to plan ahead to help you afford it. Read Nationwide Super's Five Tips to Help You Afford Retirement at 50.
- [Buying a Newsagency Franchise — What's Involved?](https://www.nationwidesuper.com.au/buying-a-newsagency-franchise-whats-involved) - With some 4,000 newsagencies operating across Australia boasting turnover of $6 billion, the industry is not likely to disappear soon. Shoppers still prefer the convenience of popping into the neighbourhood store to grab a quick gift or stationery and envelopes to ordering online and waiting a few days for delivery. 
- [The best small business grants in Australia](https://www.nationwidesuper.com.au/the-best-small-business-grants) - As you explore how to start a small business, take a look at some of the best funding programs and grants that are on offer that can help turn your business ideas into success. Find out more.
- [Employer Newsreel Video Series - October 2019](https://www.nationwidesuper.com.au/employer-newsreel-video-series-october-2019) - We're joined by Ben Kearney, CEO of the Australian Lottery & Newsagents Association (ALNA). He talks to us about what it takes to be a successful newsagent in the digital age.
- [Top 6 Newsagency Marketing Tips for Newsagents](https://www.nationwidesuper.com.au/newsagency-marketing-tips-for-newsagents) - To stand out in this crowded and competitive industry, newsagencies need to create awareness around their current offerings. Find out more.
- [How Does Income Protection Insurance Work with Super?](https://www.nationwidesuper.com.au/how-does-income-protection-insurance-work-with-super) - Income protection is for everyone, giving you the peace of mind that life won't change too drastically following an accident. Find out how it works with Super.
- [Advantages of outsourcing for small businesses](https://www.nationwidesuper.com.au/how-outsourcing-helps-small-businesses) - Check out these four reasons for why outsourcing might be a good option for you and your business. Learn more.
- [Employer News - Edition 2 - 2016](https://www.nationwidesuper.com.au/employer-news-edition-2-2016) - Employer News Welcome to the latest edition of NSF Super News for our Employers. In this edition we hint at some big changes for our brand coming soon, look at the process for selecting a default fund, share the potential benefits of salary sacrifice for your employees, and much more. We’re taking big steps in
- [Superannuation Rates and Thresholds for 2018 - 2019](https://www.nationwidesuper.com.au/superannuation-rates-and-thresholds-for-2018-19) - The super guarantee rate is currently 9.5% of ordinary earnings, which will remain in place until 2021. See further details of official superannuation rates (including superannuation guarantee rates and thresholds) from The Australian Taxation Office (ATO) for the 2018-19 financial year. Learn more.
- [Super For Self-Employed: Saving For The Future](https://www.nationwidesuper.com.au/super-for-self-employed-saving-for-the-future) - Superannuation (super) for the self-employed is often underfunded compared to those who are employees with companies or other small businesses. Learn more.
- [Spring Clean Your Finances](https://www.nationwidesuper.com.au/spring-clean-your-finances) - Spring is in the air, and while you may be focusing on getting your home and garden looking good, give your finances a thorough spring clean too. Learn how.
- [First Home Super Saver Scheme](https://www.nationwidesuper.com.au/first-home-super-saver-scheme) - First Home Super Saver Scheme Saving for your first home through super The government has recently introduced the First Home Super Saving Scheme (FHSSS) to make saving for the deposit on your first home a little easier. Under the FHSSS, from 1 July 2018 you’ll be able to withdraw up to $30,000 of eligible voluntary
- [Downsizing Contributions Into Super](https://www.nationwidesuper.com.au/downsizing-contributions-into-super) - Downsizing contributions into super Also from 1 July 2018, the government will introduce the ‘Contributing the proceeds of downsizing into superannuation’ measure. The name can be quite a mouthful, but it has been designed for people who are at the other end of the ‘homeowner’ cycle. Members who are 65 years or older and meet
- [Are casual workers entitled to superannuation?](https://www.nationwidesuper.com.au/are-casual-workers-entitled-to-superannuation) - Are you a casual worker wondering whether your employer should be contributing superannuation for you? The good news is that yes, you may be entitled to super. Here's a breakdown of whether you are entitled to super from your employer. Read more.
- [Workplace Relations: Advice, Contracts and Templates](https://www.nationwidesuper.com.au/workplace-relations-advice-contracts-and-templates) - Discover everything you need to know about Fair Work with our thorough outline of the workplace relations advice and support provided by the Fair Work Ombudsman.
- [Budget 2019](https://www.nationwidesuper.com.au/budget-2019) - 2019 Federal Budget Review What do the changes from the 2019 Federal Budget mean for you While the superannuation budget announcements were quite limited in this year’s budget, there were a few important changes worth noting for super members. Read on to find out about the proposed changes, what this means for you, and what
- [What Is Death & TPD Insurance?](https://www.nationwidesuper.com.au/what-is-death-tpd-insurance) - Both Death & TPD insurance cover can usually be applied for through your super fund, and can protect you and your family in the event of your death, or if you are unable to work. Find out more.
- [How Much Money Does It Take to Retire Comfortably?](https://www.nationwidesuper.com.au/how-much-money-does-it-take-to-retire-comfortably) - How much money do you really need to retire and live comfortably during your senior years? Find out here.
- [Secrets to getting out of credit card debt](https://www.nationwidesuper.com.au/secrets-to-getting-out-of-credit-card-debt) - If you don’t pay your credit card off each month, follow these simple steps to take control of debt. 
- [How to Promote Your Business](https://www.nationwidesuper.com.au/how-to-promote-your-business) - How do you reach potential customers? How do you tell them you have the right product/ service to solve their current concern? Here are 12 ways you can do this.
- [Superannuation Rate and Thresholds for 2017 - 2018](https://www.nationwidesuper.com.au/super-rates-and-thresholds-for-201718) - The super guarantee rate is 9.5% of ordinary earnings, which will remain in place until 2021. See further details of superannuation rates (including superannuation guarantee rates, the superannuation cap, and thresholds).
- [Important Changes to Nationwide Super](https://www.nationwidesuper.com.au/important-changes-to-nationwide-super) - Important Changes to Nationwide Super from 1 December To ensure we continue to provide a competitive super and pension offering to our members, the Trustee of Nationwide Super has decided to enter into an alliance with Russell Investments. These changes will offer an immediate fee reduction and additional product features and services to our members
- [Superannuation Myths: Will Super Come Up Short?](https://www.nationwidesuper.com.au/will-super-come-up-short) - As you turn your attention to saving for retirement, it's important that you understand the status of your superannuaiton. Here we break down some of the myths.
- [Super News - Employer Edition - Issue #2 2018](https://www.nationwidesuper.com.au/super-news-employer-edition-issue-2-2018) - Super News - Employer Edition - Issue #2 2018 Welcome to the latest edition of Super News for our employers. In this edition we look at some exciting new changes for the Fund, including our new alliance with Russell Investments, provide an update on Single Touch Payroll, details of the financial advice service available for
- [Exciting Changes Are Coming Soon](https://www.nationwidesuper.com.au/exciting-changes-are-coming-soon-2) - The Trustee of Nationwide Super has entered into an alliance with Russell Investments. Find out more.
- [How Do I Get A Website For My Business?](https://www.nationwidesuper.com.au/how-do-i-get-a-website-for-my-business) - If you don't have a solid online presence, you're missing out on opportunities to grow. Find out exactly how to go about getting a website for your business.
- [How To Write A Detailed Business Plan](https://www.nationwidesuper.com.au/how-to-write-a-detailed-business-plan) - Writing a detailed Business Plan is an achievable, step-by-step process. Start with researching your idea to make sure there is a viable market for it, then flesh out the details. Learn more.
- [3 Tips to Drive More Website Conversions](https://www.nationwidesuper.com.au/3-tips-to-drive-more-website-conversions) - Your website has the potential to be your biggest asset, but it can't do that if it doesn't to convert visitors into leads. Here are 3 simple tips to help.
- [About Russell Investments](https://www.nationwidesuper.com.au/about-russell-investments) - About Russell Investments Russell Investments is a global investment manager, dedicated to improving financial security for people for more than 80 years. Russell Investments guides more than $3 trillion and manages over $390 billion(1) on behalf of many of the world’s largest investors, and individuals around the world. As part of Russell Investments ‘Super Alliance’,
- [Exciting changes are coming soon](https://www.nationwidesuper.com.au/exciting-changes-are-coming-soon) - Exciting changes for Nationwide Super are coming soon The mantra of the Nationwide Super team has always been to make super as simple as possible for our members. That means we’re always looking for ways to help you take control of your super savings, in an industry that is constantly evolving and changing as a
- [Three steps to succeed when starting a small business](https://www.nationwidesuper.com.au/three-steps-to-succeed-when-starting-a-small-business) - Consider these three steps to succeed when starting a new business with as few stumbling blocks as possible.
- [More Tips to Manage a Small Business](https://www.nationwidesuper.com.au/more-tips-to-manage-a-small-business) - The real work begins once your business is up and running. Here are some more tips to help you manage your small business.
- [5 Ways that Small Businesses Benefit from Hiring Freelancers](https://www.nationwidesuper.com.au/5-ways-that-small-businesses-benefit-from-hiring-freelancers) - In the early stages of your business, you may find greater benefits from retaining freelancers than from hiring full- or even part-time employees. Learn more.
- [10 budget hacks when you’re just starting out](https://www.nationwidesuper.com.au/10-budget-hacks-when-youre-just-starting-out) - No matter whether you’re studying or a newbie in the workforce, it’s still possible to grow your savings. Check out ME Bank’s top 10 tips to help your savings grow.
- [How to keep holiday spending under control](https://www.nationwidesuper.com.au/how-to-keep-holiday-spending-under-control) - Making plans and preparations for an overseas holiday is all part of the fun. But all too often good financial hygiene flies out the window when we’re travelling. Learn how to keep your spending under control.
- [What is salary sacrifice and how do I do it?](https://www.nationwidesuper.com.au/what-is-salary-sacrifice-and-how-do-i-do-it) - You may have heard of salary sacrifice before, and have wondered what it is and how it could benefit you. Salary sacrifice is a way to contribute to your super account for future retirement and reduce the amount of taxes you will have to pay. Learn more.
- [What's a superannuation allocated pension?](https://www.nationwidesuper.com.au/whats-a-superannuation-allocated-pension) - A superannuation allocated pension is started with a lump sum of money that you are paid from your superannuation account when you reach the appropriate age based on your birth year. This age is somewhere between the ages of 55-60. Learn more.
- [Super News - Employer Edition - Issue 1 2018](https://www.nationwidesuper.com.au/super-news-employer-edition-issue-1-2018) - Super News - Employer Edition - Issue 1 2018 Welcome to the latest edition of Super News for our contributing employers. In this edition we help you get prepared for the government's Single Touch Payroll scheme that starts on 1 July this year for businesses with more than 20 employees, look at the new and
- [The pros and cons of downsizing](https://www.nationwidesuper.com.au/the-pros-and-cons-of-downsizing) - A change may be as good as a holiday, but if you’re thinking about downsizing your home it’s important to weigh up the pros and cons to be sure you’re making the right move. Learn more.
- [2018 Federal Budget](https://www.nationwidesuper.com.au/2018-federal-budget) - 2018 Federal Budget Update Following the release of the 2018 Federal Budget, there’s a lot of information to digest to understand how these changes could impact you. To help with this, we’ve unpacked the budget’s key items that could affect your super. Changes to automatic life insurance for under 25’s, low balance and inactive accounts
- [Super News - Member Edition - Issue 1 2018](https://www.nationwidesuper.com.au/super-news-member-edition-issue-1-2018) - Super News - Member Edition - Issue 1 2018 Welcome to the latest edition of Super News for our members. In this edition we look at the upcoming changes we're making to simplify the insurance claims process, update you on the government's First Home Super Saver Scheme and Downsizing Contributions Measure, as well as the benefits
- [Five Ways to Manage 'Entrepreneurship Fatigue'](https://www.nationwidesuper.com.au/five-ways-to-manage-entrepreneurship-fatigue) - Create a strategy to ensure that you are looking after yourself and regulating your business hours before it is too late. Here are some ways to manage “entrepreneurship fatigue”. FInd out more.
- [The money mistake you can’t afford to make](https://www.nationwidesuper.com.au/the-money-mistake-you-cant-afford-to-make) - Research shows 25% of Aussies are not paying off debt even though they’re sitting on cash savings. There can be perfectly logical reasons to hold both debt and savings. The problem is, co-holding could be costing you dearly. Let’s do the sums to see why. Learn more.
- [The sudden interest in interest-only loans](https://www.nationwidesuper.com.au/the-sudden-interest-in-interest-only-loans) - You may be aware that interest-only loans came under the scrutiny of banking watchdog APRA early in 2017. In a bid to take the heat out of the property market and protect consumer interests, APRA introduced new limits to the volume of interest-only loans that banks and other lenders can offer. Learn more.
- [How to save on bank fees](https://www.nationwidesuper.com.au/skip-fees-save-500-annually) - It pays to get serious about bank fees. We explain what to watch out for to put valuable cash back in your hip pocket each year. Learn more.
- [Insurance in super is set to improve](https://www.nationwidesuper.com.au/insurance-in-super-is-set-to-improve) - A new Voluntary Code of Practice is set to be introduced from 1 July 2018, that covers Insurance in Superannuation. Nationwide Super has committed to adopting the Code following its introduction. Learn more.
- [Checklist to start your own small business](https://www.nationwidesuper.com.au/checklist-to-start-your-own-small-business-2) - With the right setup, getting your business off the ground and running healthily is just a few steps away. Learn more about starting your new business today.
- [Talking About Super with My Employees](https://www.nationwidesuper.com.au/talking-about-super-with-my-employees) - As an employer you play an important role in helping your employees prepare for their future. Help them to understand how super works - learn more.
- [Notice of Changes to Trust Deed](https://www.nationwidesuper.com.au/notice-of-changes-to-trust-deed) - Nationwide Super's Trust Deed has changed to accommodate government changes to superannuation that applied from 1 July 2017. View changes here.
- [What is the Age Pension?](https://www.nationwidesuper.com.au/what-is-the-age-pension) - The Age Pension is a government income support payment paid to eligible Australians who have reached Age Pension age. It is income and assets tested. Learn more
- [What is an Account-Based Pension?](https://www.nationwidesuper.com.au/what-is-an-account-based-pension) - An account-based pension allows you to get money regularly from your super fund once you reach your preservation age & stop working. Learn more.
- [Tips to Avoid Superannuation Scams](https://www.nationwidesuper.com.au/tips-to-avoid-superannuation-scams) - Super scams usually fall into two categories: the scammer offers to withdraw your super/ move it to a better fund, or they steal your identity. Learn more.
- [What is Preserved Superannuation?](https://www.nationwidesuper.com.au/what-is-preserved-superannuation) - Your super is generally ‘preserved’ and cannot be accessed until you meet a condition of release, such as reaching your preservation age. Learn more.
- [Tips For Women To Make Sure They Have Enough Super](https://www.nationwidesuper.com.au/tips-for-women-to-make-sure-they-have-enough-super) - Statistics show that women are less prepared for retirement than their male counterparts. Here are some tips for women to help boost their super savings.
- [Quick tips to save on household essentials](https://www.nationwidesuper.com.au/quick-tips-to-save-on-household-essentials) - The cost of necessities is the biggest worry for many households. These expenses can eat up a large chunk of our income. Here are some quick tips to save.
- [What are some effective Time Management Strategies?](https://www.nationwidesuper.com.au/what-are-some-effective-time-management-strategies) - Time management is crucial when you have your own business. Here are some time management strategies to help you get everything done.
- [How to handle money in relationships](https://www.nationwidesuper.com.au/how-to-handle-money-in-relationships) - It can be challenging for couples to deal with sharing money, but for those who make it work, the team can be stronger than the sum of its parts. Learn more.
- [How do I keep my Super safe?](https://www.nationwidesuper.com.au/how-to-keep-my-super-safe) - You’re working hard to build your savings for your retirement, so you don't want is to be the victim of a scam or fraud. Find out how to protect your super.
- [How Do I Start a Blog for My Small Business?](https://www.nationwidesuper.com.au/how-do-i-start-a-blog-for-my-small-business) - If you don't have a blog for your business, you could be missing out on a low-cost marketing method that could boost your sales. Learn how to start yours.
- [How Do I Crowdfund My New Business Idea?](https://www.nationwidesuper.com.au/how-do-i-crowdfund-my-new-business-idea) - These tips can help you to develop a successful campaign and get you the funding you need to get your new business off the ground. Learn more.
- [Nominating Superannuation Beneficiaries](https://www.nationwidesuper.com.au/nominating-superannuation-beneficiaries) - It’s important you nominate a beneficiary so your super fund knows who you want to get your super after you are gone. Find out how.
- [4 Ways To Find Investors For Your Small Business](https://www.nationwidesuper.com.au/4-ways-to-find-investors-for-your-small-business) - Once you've completed your business plan, here's some ideas to help you find investors to fund your small business. Learn more.
- [Three Ways to Save Money after Retirement](https://www.nationwidesuper.com.au/three-ways-to-save-money-after-retirement) - Retirement should be a time to sit back and enjoy life, not stress about money. Here are some tips to saving and planning for retirement. Find out more.
- [Innovative Hacks for Small Businesses](https://www.nationwidesuper.com.au/innovative-hacks-for-small-businesses) - Refusing to be innovative can cause great harm on the success of a small business. See some simple examples of how to develop innovation here.
- [Distractions while Working from Home](https://www.nationwidesuper.com.au/distractions-while-working-from-home) - Working from home is not as easy as it sounds - distractions are everywhere. Here are just a few to be aware of so you can manage your productivity. Learn more.
- [How to stay focused and prevent burnout in a startup](https://www.nationwidesuper.com.au/how-to-stay-focused-and-prevent-burnout-in-a-startup) - These practical steps can help prevent burnout and improve entrepreneur productivity and efficiency. Learn more.
- [Team Management: Diversify Your Work Groups to Move Ahead](https://www.nationwidesuper.com.au/team-management-diversify-your-work-groups-to-move-ahead) - When you and your workforce become too comfortable, things may become stagnant resulting in a loss of productivity and profits. Find out how to shake things up
- [5 Tips to Promote Your Business With Video](https://www.nationwidesuper.com.au/5-tips-to-promote-your-business-with-video) - Videos are useful for educating your audience about your products, building brand awareness and more. Here are five tips to promote your business with video.
- [Business growth strategies: How to keep your business alive](https://www.nationwidesuper.com.au/business-growth-strategies-how-to-keep-your-business-alive) - If your business has no foundation, it will crumble. Work out what guides and directs your growth, and what your mission statement is. Here's some tips to help.
- [Tips to Manage Introverted Employees](https://www.nationwidesuper.com.au/tips-to-manage-introverted-employees) - By managing your employees different personalities your business can gain a lot and benefit from diversity. Apply these simple strategies to help.
- [5 reasons your savings are going backwards](https://www.nationwidesuper.com.au/5-reasons-your-savings-are-going-backwards) - If you’re falling behind with your savings, you could be falling into one of the five key traps that keep pushing the goalposts further out. Learn more.
- [3 Key Business Growth Strategies for Discerning Entrepreneurs](https://www.nationwidesuper.com.au/3-key-business-growth-strategies-for-discerning-entrepreneurs) - Expansion of business operations is a major consideration for most business owners. Here are some of the proven strategies that will help your business grow.
- [Simple Social Media Marketing Strategies You Can Use Today!](https://www.nationwidesuper.com.au/simple-social-media-marketing-strategies-you-can-use-today) - Managing your social media presence is one of the most affordable and effective ways to build your business' brand.
- [Four Business Management Tips](https://www.nationwidesuper.com.au/four-business-management-tips) - If you manage your business efficiently, your business is already on the way to being successful.
- [How to attract the best employees to your small business](https://www.nationwidesuper.com.au/how-to-attract-the-best-employees-to-your-small-business) - As a small business owner, attracting and retaining the best employees for your business can seem like quite a chore - check out these simple tips.
- [Essential Elements for a Strong Business Plan](https://www.nationwidesuper.com.au/essential-elements-for-a-strong-business-plan) - Having a strong business plan is key for a successful startup business. Here's the information you should include.
- [5 Reasons Your Business Needs the Cloud](https://www.nationwidesuper.com.au/5-reasons-your-business-needs-the-cloud) - The cloud will save you money – you won’t have to constantly buy new computer programs to keep your business running, and your team can work from anywhere.
- [Seniors and Technology Do Mix](https://www.nationwidesuper.com.au/seniors-and-technology-do-mix) - Broadband for Seniors is a program that helps older Australians get access to the internet, so you can take advantage of online services like Nationwide Pension MemberAccess.
- [Time Management Strategies: Urgent vs Important](https://www.nationwidesuper.com.au/time-management-strategies-urgent-vs-important) - Learn about time management strategies and how optimise your time to be more efficient in your daily business activities.
- [A quick start-up guide to business crowdfunding](https://www.nationwidesuper.com.au/business-crowdfunding) - Crowdfunding - instead of securing one or two big investors, you target a larger number of smaller investors to chip in to raise your capital. Learn more.
- [2016 Budget measures amended](https://www.nationwidesuper.com.au/2016-budget-measures-amended) - The government’s 2016 annual Budget contained a number of proposals that will impact on super and retirement incomes.
- [Do your employees want to boost their super savings with salary sacrifice?](https://www.nationwidesuper.com.au/boost-super-savings-with-salary-sacrifice) - Making additional contributions to super while still working can make a massive difference to retirement savings. Learn more here.
- [SuperStream Compliant Contributions](https://www.nationwidesuper.com.au/superstream-compliant-contributions) - If you need any help to understand your obligations or would like more information about SuperStream, simply contact the Nationwide Super team.
- [Employer News - Edition 1 - 2016](https://www.nationwidesuper.com.au/employer-news-edition-1-2016) - In this edition we look at the government's Single Touch Payroll proposal, SuperStream compliant contributions, look at changes to beneficiary nominations, and more.
- [Women facing huge savings gap - Member News](https://www.nationwidesuper.com.au/member-news-women-facing-huge-savings-gap) - Super savings are yours to support you in retirement, and there are plenty of things you can do to manage your nest egg. Read more.
- [How Can I Access My Super?](https://www.nationwidesuper.com.au/how-can-i-access-my-super) - There are rules about when you can access your super, and you can decide how to take it - as a lump sum, a regular pension, or a combination of both. Learn more
- [Significant Event Notices - from the NSF Super Trustee](https://www.nationwidesuper.com.au/significant-event-notices-from-the-nsf-super-trustee) - The NSF Super Trustee recently issued Significant Event Notices (SEN) relating to changes to investment options. Learn more.
- [3 simple habits that will boost your productivity](https://www.nationwidesuper.com.au/3-simple-habits-that-will-boost-your-productivity) - Is there really a simple way to boost productivity? The key is to increase your present levels. Just be a little better than you are now, and improve from there.
- [Planning Ahead For Your Desired Retirement](https://www.nationwidesuper.com.au/planning-ahead-for-your-desired-retirement) - Relying on the Age Pension for income in retirement would stretch you very thin. Our free calculators can help you work out how much super you need. Learn more
- [What Can I Do If I'm Not Receiving My Super?](https://www.nationwidesuper.com.au/what-can-i-do-if-im-not-receiving-my-super) - Employers are required to pay at least 9.5 percent of your salary (or ordinary time earnings). Find out what you can do if you aren't receiving your super.
- [How is Superannuation Taxed?](https://www.nationwidesuper.com.au/how-is-superannuation-taxed) - How Super is taxed depends on several things such as how much money you and your employer pay into your super fund each year, and how it is paid. Find out more.
- [What Happens to My Super After a Relationship Breakdown?](https://www.nationwidesuper.com.au/what-happens-to-my-super-after-a-relationship-breakdown) - Super can be forgotten during a break-up. However, it is treated like property and often gets divided between both parties by agreement/court order. Learn more.
- [What is Salary Sacrifice and Why Should I Consider It?](https://www.nationwidesuper.com.au/what-is-salary-sacrifice-2) - Salary sacrifice is when you choose to have your employer regularly pay some of your salary into super instead of taking the money as after-tax pay. Learn more
- [Growing Super As a Young Person](https://www.nationwidesuper.com.au/growing-super-as-a-young-person) - Many underestimate the amount of money they will need to retire. Here are some tips to help you grow your super savings in the early years. Read more.
- [Top 5 Cyber Security Tips for Business](https://www.nationwidesuper.com.au/top-5-cyber-security-tips-for-business) - Here are a few tips to keep your small business safe from cyber threats. It’s important to keep both your customer and business information safe. Learn More.
- [Great Apps To Boost Your Small Business's Productivity](https://www.nationwidesuper.com.au/great-apps-to-boost-your-small-businesss-productivity) - Finding great apps than can help you manage your company is essential. Whatever you need help with, there's an app for that! Here are some of our top picks.
- [Tips for Attracting Repeat Customers for Your Business](https://www.nationwidesuper.com.au/tips-for-attracting-repeat-customers-for-your-business) - The main focus of any business should be customer retention. Here are a few tips to help increase customer loyalty to your company.
- [How to Determine How Much Super You Need](https://www.nationwidesuper.com.au/how-to-determine-how-much-super-you-need) - The amount of superannuation you'll need depends on many factors, such as how long you expect to live, anticipated medical costs, and your lifestyle. Learn more
- [Member News - Edition 2 - 2016](https://www.nationwidesuper.com.au/member-news-edition-2-2016) - NSF Super News - Members Welcome to the latest edition of NSF Super News for our Members. In this edition we hint at some big changes for our brand coming soon, explain the potential benefits of salary sacrifice, help you understand Socially Responsible Investing (SRI), and much more. Click here to download a PDF version.
- [Significant Event Notice - Insurance changes from 1 July 2016](https://www.nationwidesuper.com.au/significant-event-notice-insurance-changes-from-1-july-2016) - Changes to insurance benefit amounts The NSF Super Trustee recently issued a Significant Event Notice (SEN) to members relating to changes to insurance benefit amounts, premiums and terms from 1 July 2016. You can view the SEN by clicking here.
- [Member News - Edition 1 - 2016](https://www.nationwidesuper.com.au/member-news-edition-1-2016) - NSF Super News for Members Welcome to the latest edition of NSF Super News for our Members. In this edition we introduce our new Member Card, cover off improvements to our online MemberAccess service, detail the super rates and thresholds for the 2016/17 financial year, and advise of some important changes to the NSF Super
- [NSF Super to offer binding beneficiary option from 1 July 2016](https://www.nationwidesuper.com.au/nsf-super-to-offer-binding-beneficiary-option-from-1-july-2016) - Binding beneficiary option From 1 July 2016, the Trust Deed of NSF Super will be amended to enable binding death benefit nominations, providing our members with the ability to gain greater estate planning flexibility and peace of mind when nominating loved ones to receive their super benefit upon death. Currently, NSF Super members are only
- [Significant Event Notice - Changes to Insurance Arrangements from 1 July 2017](https://www.nationwidesuper.com.au/significant-event-notice-changes-from-1-july-2017) - The Nationwide Super Trustee recently issued a Significant Event Notice to members relating to changes to insurance arrangements from 1 July 2017. See more.
- [Changes to Investment Options Names](https://www.nationwidesuper.com.au/changes-to-investment-options-names) - Changes to Investment Options Names As part of our brand refresh to Nationwide Super, you will notice that there have been slight changes to the names of our investment options from 15 March 2017. It’s just the names that are changing – the investment strategy for each option remains the same. Investment option names Prior
- [Binding Death Benefit Nominations](https://www.nationwidesuper.com.au/binding-death-benefit-nominations) - Binding Death Benefit Nominations As previously advised, Nationwide Super’s Trust Deed was amended from 1 July 2016 to enable binding death benefit nominations. This option provides you with greater estate planning flexibility and peace of mind when nominating loved ones to receive your super benefit upon your death. A further, technical amendment to the Trust
- [Business Management: Why Do My Employees Not Like Me?](https://www.nationwidesuper.com.au/business-management-why-do-my-employees-not-like-me) - Take time to change the things you do that compromise a good rapport with your staff. Everyone will benefit. Learn more.
- [What is Ethical Investing?](https://www.nationwidesuper.com.au/what-is-ethical-investing) - Socially responsible investment (SRI), or ethical investment, takes environmental, social, governance (ESG) or ethical considerations into account. Learn more.
- [Four Tips to Write a Business Plan](https://www.nationwidesuper.com.au/four-tips-to-write-a-business-plan) - A business plan is important to make sure that you (and lenders) know where your business is going to go and how you’re going to get there. Learn more.
- [Tips to Plan For Your Retirement](https://www.nationwidesuper.com.au/tips-to-plan-for-your-retirement) - Even though it is better to start saving as early as possible, it is not too late to start. These tips will help you be ready for the next part of your life.
- [Four Tips for Starting a New Business](https://www.nationwidesuper.com.au/four-tips-for-starting-a-new-business) - Even though starting a business can be challenging, it can be worth it. Don’t give up if you believe in your idea and are passionate! Read more for tips to help
- [Keeping your business information safe](https://www.nationwidesuper.com.au/keeping-your-business-information-safe) - Find out how you can ensure your business information and records are secure, for your protection, but for the protection of your employees and customers. 
- [What Are My Retirement and Super Investment Options?](https://www.nationwidesuper.com.au/what-are-my-retirement-and-super-investment-options) - Let’s take a look at the common retirement and superannuation investment channels of shares, properties, fixed interest and cash. Read more.
- [How tracking your spending can change your life](https://www.nationwidesuper.com.au/how-tracking-your-spending-can-change-your-life) - New ME research confirms that tracking spending has a powerful influence on your ability to save and set money goals. Find out how you can track your expenses
- [Why Do Some Businesses Fail While Others Succeed?](https://www.nationwidesuper.com.au/why-do-some-businesses-fail-while-others-succeed) - With so many free tools and online resources available, why do more than half of the new businesses fail? Find out more.
- [Income Protection Insights](https://www.nationwidesuper.com.au/income-protection-insights) - Income Protection insurance cover provides a replacement income of up to 85% of your current income if you’re not able to work for a period of time. Learn more.
- [Why Innovation Is Vital To Small Businesses](https://www.nationwidesuper.com.au/why-innovation-is-vital-to-small-businesses) - As a small business owner, innovation is one of the most important tools you can use in your business. Learn more.
- [How first home buyers can boost borrowing power](https://www.nationwidesuper.com.au/how-first-home-buyers-can-boost-borrowing-power) - When it comes to maximising borrowing power ahead of buying your first home, a deposit is important, but it isn’t everything. Learn what you can do.
- [Notice of Changes to Trust Deed - Financial hardship and Under $200 claims](https://www.nationwidesuper.com.au/changes-to-trust-deed) - From 1 July 2016, the Trustee of Nationwide Super ceased accepting claims to access super account balances under the following grounds.
- [5 ways to supercharge your business](https://www.nationwidesuper.com.au/5-ways-to-supercharge-your-business) - How do you get your business going again? It can take some focused action to infuse new life into your business. The following five steps may help you.
- [5 ways to make and save money with the sharing economy](https://www.nationwidesuper.com.au/5-ways-to-make-and-save-money-with-the-sharing-economy) - The sharing economy is all about exchanging goods and services on a peer-to-peer basis. It’s a win-win for everyone! Find out more.
- [Four Reasons Freelancing Is a Good Business Idea](https://www.nationwidesuper.com.au/four-reasons-freelancing-is-a-good-business-idea) - Freelancing is a great career, giving you the flexibility to work around your life instead of the other way around. Here's why freelancing could work for you.
- [Taking action on the gender gap in super](https://www.nationwidesuper.com.au/gender-gap-in-super) - The Association of Superannuation Funds of Australia (ASFA) suggests there are also a number of simple steps women can take to help boost their super savings.
- [New binding beneficiary option](https://www.nationwidesuper.com.au/new-binding-beneficiary-option) - Binding death benefit nominations provide you with greater flexibility and peace of mind when nominating loved ones to receive your super benefit.
- [Managing insurance through MemberAccess](https://www.nationwidesuper.com.au/managing-insurance-through-memberaccess) - The insurance portal in Nationwide Super's MemberAccess portal now lets you manage a whole range of insurance transactions online.
- [Supporting key industries and the community](https://www.nationwidesuper.com.au/supporting-key-industries-and-the-community) - Nationwide Super enjoys a strong relationship with employers in various industries, and is always keen to support key industry associations and events.
- [Get reunited with your ‘lost’ super in one simple step](https://www.nationwidesuper.com.au/get-reunited-with-your-lost-super-in-one-simple-step) - We’ve also got the solution if there’s a chance some of the $12 billion in lost super waiting to be claimed at the Australian Taxation Office, could be yours.
- [Promote wellness at work at almost no cost](https://www.nationwidesuper.com.au/promote-wellness-at-work-at-almost-no-cost) - Creating a health-conscious work atmosphere does not have to be costly, follow some of these simple steps, be creative and design a consistent plan to follow.
- [Four Tips To Excel as a Business Owner](https://www.nationwidesuper.com.au/four-tips-to-excel-as-a-business-owner) - A business owner expects a lot of their employees, pushing them to do their very best. Here are some tips to become a great manager.
- [Four Tips To Create an Awesome Landing Page](https://www.nationwidesuper.com.au/four-tips-to-create-an-awesome-landing-page) - The goal of a landing page is to engage with potential customers, and convert website visitors into leads, and in turn customers. Here are some tips to help.
- [Celebrating 30 Years](https://www.nationwidesuper.com.au/celebrating-30-years) - Celebrating 30 years We're celebrating a key milestone this year, with Nationwide Super launching in Newcastle, NSW in 1987 as ‘Northern Superannuation Fund’. While we don’t have anyone still working here from that time, the current team is just as committed to the original objectives – to grow a multi-industry super fund that provides exceptional products
- [Supersize your savings with a home loan offset account](https://www.nationwidesuper.com.au/supersize-your-savings-with-a-home-loan-offset-account) - A mortgage offset account can be the solution that lets you enjoy at-call access to your money, plus valuable savings on interest charges.
- [Why Your Business Needs a Wireless Presentation System](https://www.nationwidesuper.com.au/why-your-business-needs-a-wireless-presentation-system) - A wireless presentation system is essential if you want to make your meetings more efficient and up-to-date. Here are four reasons you should get one.
- [Starting a Blog: A Successful Small Business Strategy](https://www.nationwidesuper.com.au/starting-a-blog-a-successful-small-business-strategy) - A business blog is an excellent way to engage with your audience and increase your website traffic.
- [How Virtual Assistants Benefit Small Business](https://www.nationwidesuper.com.au/how-virtual-assistants-benefit-small-business) - Virtual assistants are typically self-employed individuals that work remotely and provide administrative services, especially to small businesses
- [Cybersecurity and Data Loss Threats for Business Owners](https://www.nationwidesuper.com.au/cybersecurity-and-data-loss-threats-for-business-owners) - What are the threats when it comes to data loss, and how can you reduce the risk of data loss for your business?
- [3 Fantastic Yet Simple Small Business Ideas](https://www.nationwidesuper.com.au/3-fantastic-yet-simple-small-business-ideas) - Starting your own business is an exciting project, yet a challenging one too. Whether you are in your first month or first year of operating a business, here are 3 ideas to keep in mind.
- [Three Things To Determine If Your Business Idea is Good](https://www.nationwidesuper.com.au/three-things-to-determine-if-your-business-idea-is-good) - It can be hard to determine if your business idea is going to be profitable, though here are some things that will help you know if you have a good idea.
- [Four More Business Management Tips](https://www.nationwidesuper.com.au/four-more-business-management-tips) - Good management skills can be the key difference between a business that does alright and one that really grows. Follow these tips to improve your skills.
- [Managing a Business with a Baby](https://www.nationwidesuper.com.au/managing-a-business-with-a-baby) - It is possible to have a family and a successful business! Here are some tips to running a business with a baby.
- [Open a Pension Account Online](https://www.nationwidesuper.com.au/open-a-pension-account-online) - Open a Pension Account online – no paperwork! If you’ve reached your ‘preservation age’ and are considering opening a Nationwide Super Pension account to access your super savings as a regular income – you can now apply online and take the hassle out of some of the paperwork! From your MemberAccess account, you’ll now see
- [Key Super Changes from 1 July](https://www.nationwidesuper.com.au/key-super-changes-from-1-july) - Key Super Changes from 1 July The rules around super continue to change as well, and it’s important for you to understand the impact these changes can have on your current super savings strategy. The 2016 Federal Budget contained a number of super changes that are due to be implemented on 1 July 2017, and
- [3 Business Ideas for the Would Be Entrepreneur](https://www.nationwidesuper.com.au/3-business-ideas-for-the-would-be-entrepreneur) - Not sure what kind of business to start? Here are 3 business ideas to help get your own ideas mill going
- [2017 Federal Budget Update](https://www.nationwidesuper.com.au/2017-federal-budget-update) - The government’s annual Budget was delivered on 9 May 2017. The Budget contained only a small number of proposals that will impact on superannuation and retirement incomes.
- [3 Key Tips for Starting a New Small Business](https://www.nationwidesuper.com.au/3-key-tips-for-starting-a-new-small-business) - Venturing into the small business arena is exciting but sometimes overwhelming. Follow these 3 tips if you're eager to learn how to turn your passion into a reality.
- [Four Things to Consider When Marketing for Small Business](https://www.nationwidesuper.com.au/four-things-to-consider-when-marketing-for-small-business) - Learn four strategies that you can employ when marketing for your small business.
- [Supporting Hunter TAFE 2016 Alumni Awards](https://www.nationwidesuper.com.au/nsf-super-supporting-hunter-tafe-2016-alumni-awards-2) - Hunter TAFE Alumni Awards - 2016 The Nationwide Super team were proud to be the major sponsor of the 2016 Hunter TAFE Alumni Awards, presented as part of the Hunter TAFE Awards at Crown Plaza, Terrigal. We were on hand to present the awards to winners in each of the three categories including Contribution to
- [We're taking big steps in the right direction](https://www.nationwidesuper.com.au/were-taking-big-steps-in-the-right-direction) - We’re taking big steps in the right direction In 2017, the team at NSF Super will be celebrating 30 years of service to you, our members and employers. We’ve seen plenty of major changes in the super industry over that time, in terms of both legislation, and the needs of the people we’re here to
- [Super rates and thresholds for 2016/17](https://www.nationwidesuper.com.au/super-rates-and-thresholds-for-201617) - Super rates and thresholds for 2016/17 The Australian Taxation Office (ATO) has released the key superannuation rates and thresholds for the 2016/17 financial year. Concessional contributions cap – the cap will remain at $30,000 for the 2016/17 year. A higher cap of $35,000 applies to those aged 49 years or over on 30 June 2016.

## Pages

- [Home](https://www.nationwidesuper.com.au/)
- [Getting advice](https://www.nationwidesuper.com.au/members/benefits/money-solutions) - The Nationwide Super advice menu offers plenty of options to help you achieve a great life after work. Find out more.
- [Monthly Market Commentary](https://www.nationwidesuper.com.au/members/investment-options/monthly-market-commentary) - A monthly market update for Nationwide Super members
- [EmployerAccess](https://www.nationwidesuper.com.au/employers/employeraccess) - Manage your employee super contributions in one place online with Nationwide Super. Check your history, make payments to any super fund & more. Get started today!
- [Employers](https://www.nationwidesuper.com.au/employers) - Nationwide Super is a multi-industry super fund supporting employers from a broad range of industries. We're the small business super business. Join in minutes today.
- [Join Nationwide](https://www.nationwidesuper.com.au/employers/join-nationwide) - We provide employers and members with a professional, cost-efficient super solution that makes superannuation and super contributions simple. Join today!
- [Pension Members](https://www.nationwidesuper.com.au/pension/pension-members) - We offer pension funds for people aged 55 plus with the Nationwide Super Pre-Retirement Pension and | Nationwide Super Pension. Contact us for more.
- [Rates](https://www.nationwidesuper.com.au/rates)
- [Superannuation Guarantee](https://www.nationwidesuper.com.au/employers/superannuation-guarantee) - Employers need to make Superannuation Guarantee (SG) contributions for eligible employees when paying their salary or wages. We here to keep super simple and easy for you and your business. Find out how Nationwide Super can help you meet your employer super guarantee obligations now.
- [Making employee contributions](https://www.nationwidesuper.com.au/employers/making-employee-contributions) - Employers need to make superannuation contributions/ Super Guarantee (SG) Contributions for eligible employees. Nationwide makes it easy by offering a free online Superannuation Clearing House for fast online payments. We keep super simple for small businesses. Learn more.
- [Forms](https://www.nationwidesuper.com.au/employers/forms) - Download a range of employer forms and important information here – but keep in mind that you can manage most things online through your SuperChoice account.
- [Submitting Tax File Numbers](https://www.nationwidesuper.com.au/employers/submitting-tax-file-numbers) - As an employer you need to provide your employees’ Tax File Numbers to their chosen super fund. Contact Nationwide Super today for details.
- [Account Stapling](https://www.nationwidesuper.com.au/employers/account-stapling)
- [Simplify your super contributions with our super clearing house - SCH Online!](https://www.nationwidesuper.com.au/sch-online) - As an employer, with super clearing house online (SCH Online) you can manage your super contributions easily and quickly online, from one location, regardless of the number of employees you have or the funds they are. It's simple - contact Nationwide Super to find out more.
- [Employer Benefits](https://www.nationwidesuper.com.au/employers/employer-benefits) - Nationwide Super makes super easy for employers with simple, online contribution management, workplace seminars, account managers and more. Contact us today!
- [Forms](https://www.nationwidesuper.com.au/members/forms) - You can download a range of forms and important information from this section – from Product Disclosure Statements and Guides, to insurance and claim forms.
- [Forms & Tools](https://www.nationwidesuper.com.au/members/insurance/forms-tools) - This section contains documents and tools specific to Nationwide Supers' Insurance offering. Check them out now.
- [Making a Claim](https://www.nationwidesuper.com.au/members/insurance/making-a-claim)
- [Board of Directors](https://www.nationwidesuper.com.au/about-us/board-of-directors)
- [How we invest](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest) - Everyone thinks a little differently about how to invest their super. Some are suited to a high-growth fund, some a more conservative option, and others need a balance between the two. Find out more.
- [Governance](https://www.nationwidesuper.com.au/about-us/governance) - Nationwide Super aim to maximise the retirement benefits of members. It's governed by a Trust Deed, which sets out the rules for running a fund. Learn more.
- [Keeping Super Safe](https://www.nationwidesuper.com.au/members/benefits/keeping-super-safe) - Find out what scams can happen out there, and how to help protect your super. We can help keep your super safe - contact us today.
- [Investment Performance](https://www.nationwidesuper.com.au/members/investment-options/investment-performance) - The Nationwide Super team focus on delivering consistent long-term returns on the super savings of our members. See our latest returns and historical performance.
- [Legal](https://www.nationwidesuper.com.au/legal) - Your access to this website is conditional upon your acceptance and compliance with these Terms of Use. See details here.
- [Financial Services Guide](https://www.nationwidesuper.com.au/financial-services-guide)
- [Plan and Review](https://www.nationwidesuper.com.au/pathway/plan-and-review) - 3. Plan and review Now that you know where you're headed, it's all about the journey to get there. There's more to managing your super than just setting a goal, but it still doesn't have to be hard work - we're here to help. Whether retirement is around the corner or further down the track,
- [Fees](https://www.nationwidesuper.com.au/members/fees) - See our detailed fees and costs.
- [Joining Nationwide Super](https://www.nationwidesuper.com.au/members/joining-nationwide-super) - Thinking about changing superannuation funds? Wondering how to change super funds? Or joining your first fund? Join a member-based organisation that keeps super simple and doesn't generate profits for shareholders – but returns benefits to them. It should take less than 10 minutes online. Join today.
- [Pathway](https://www.nationwidesuper.com.au/pathway)
- [Turn Your Super Into an Income](https://www.nationwidesuper.com.au/pathway/turn-your-super-into-an-income) - Step Five: Turn your super into an income You've reached the end of your Pathway journey - so it's time for a big CONGRATULATIONS !!! That means you've already set your retirement income goals and made plans for a great life after work. You've also reached your preservation age and are ready to take action.
- [Explore Your Options](https://www.nationwidesuper.com.au/pathway/explore-your-options) - 4. Explore your options As retirement gets closer and you're about to reach the age when you can turn your super into an income, it's time to consider how and when is right for you. That means understanding your options and working out whether you want to keep working part-time or retire altogether. Being prepared
- [Set Your Goal](https://www.nationwidesuper.com.au/pathway/set-your-goal) - 2. Set your goal Getting a clear picture of how much you'll need to fund the lifestyle you want in retirement is important. Introducing GoalTracker® - helping to take the guesswork out of super. It's a fundamental step Whatever the situation, setting a goal makes you think about what you want to achieve and how
- [Get Started](https://www.nationwidesuper.com.au/pathway/get-started) - 1. Get started The Pathway is a five-step journey designed to help take complexity out of planning for retirement. We'll help you define your retirement goals and be on-hand with personalised support along the way to help keep you on track to achieve them. Everybody's retirement destination is different Whatever your retirement goals might look
- [GoalTracker Plus](https://www.nationwidesuper.com.au/goaltrackerplus)
- [Russell Investments](https://www.nationwidesuper.com.au/russellinvestments) - The Trustee of Nationwide Super has entered into an alliance with Russell Investments. These changes offered an immediate fee reduction, and additional product features and services to our members from 1 December 2018. Learn more.
- [Beaver](https://www.nationwidesuper.com.au/beaver) - code here 1. Get started The Pathway is a five-step journey designed to help take complexity out of planning for retirement. We'll help you define your retirement goals and be on-hand with personalised support along the way to help keep you on track to achieve them. Everybody's retirement destination is different Whatever your retirement goals
- [GoalTracker Performance](https://www.nationwidesuper.com.au/goaltrackerperformance) - Outstanding GoalTracker performance for 2024
- [Welcome](https://www.nationwidesuper.com.au/welcome)
- [Calculators](https://www.nationwidesuper.com.au/members/calculators) - Want to know how much super you'll need in retirement to fund the lifestyle you want? There’s a free super calculator for that. Need to calculate how much super you should be getting from your employer? There’s a super calculator for that. And there are many more! Get free access to them here.
- [Investments](https://www.nationwidesuper.com.au/members/investment-options) - Superannuation is generally a long-term investment. The amount of super you have when you retire will depend on a number of factors. Learn more here.
- [GoalTracker](https://www.nationwidesuper.com.au/goaltracker)
- [GoalTracker Option](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/goaltracker-option)
- [Making Personal Contributions](https://www.nationwidesuper.com.au/members/making-personal-contributions) - Making personal superannuation contributions to your Nationwdie Super account is simple. Contact the team today for more information.
- [MemberAccess](https://www.nationwidesuper.com.au/members/memberaccess) - Manage your super online with MemberAccess. Contact the Nationwide Super team today to find out how easy it is to manage your super online.
- [Lost Super](https://www.nationwidesuper.com.au/members/lost-super) - If you have lost super funds or multiple accounts with other funds from old jobs, finding and consolidating your accounts means you'll be able to use these funds in retirement and you'll save on fees. Join Nationwide and we’ll find your lost superannuation funds & merge into a single account for free.
- [Combine Your Super](https://www.nationwidesuper.com.au/members/combine-your-super)
- [Responsible Australian Shares](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/low-carbon-australian-shares)
- [About Us](https://www.nationwidesuper.com.au/about-us) - Nationwide Super was launched in 1987. We are a member-based business focused on returning benefits to our members. Contact us today.
- [Listed International Property Securities – $A Hedged](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/listed-international-property-securities-a-hedged) - This option holds a portfolio of global real estate securities listed on the stock exchanges of developed regions, and is managed by four global specialist REIT investment managers. Learn more.
- [Global Shares – $A Hedged](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/global-shares-a-hedged)
- [Global Shares](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/global-shares) - The Portfolio is predominantly exposed to a broad range of international shares listed on stock exchanges in developed and emerging international markets. Learn more.
- [Low Carbon Global Shares](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/low-carbon-global-shares)
- [Member Wellbeing](https://www.nationwidesuper.com.au/members/benefits/member-wellbeing) - Nationwide Super has processes in place to assist members facing significant financial issues. Contact us today.
- [Australian Horse Trainers](https://www.nationwidesuper.com.au/austrainers)
- [Consolidate Information](https://www.nationwidesuper.com.au/consolidateinformation) - By confirming your request, you consent to us disclosing your TFN to your other fund and requesting they transfer your benefit to your Nationwide Super account. Find out more.
- [Annual Statement](https://www.nationwidesuper.com.au/annualstatements)
- [Pension](https://www.nationwidesuper.com.au/pension) - At Nationwide we make the superannuation and retirement process simple, so you can get on with enjoying yourself. Contact us today.
- [Investing your super](https://www.nationwidesuper.com.au/investing-your-super)
- [Achieve](https://www.nationwidesuper.com.au/achieve) - Welcome to the Winter 2019 edition of Achieve It’s time to feel good about your super. A message from us (page 2) As you plan your winter activities, let’s also make sure your super stays active. Super contributions 101 (page 4) There are a number of ways to make or receive contributions to your super account. Let
- [Is a financial adviser worth the cost](https://www.nationwidesuper.com.au/achieve/is-a-financial-adviser-worth-the-cost)
- [Funding your life after work](https://www.nationwidesuper.com.au/achieve/funding-your-life-after-work)
- [Questions and Answers](https://www.nationwidesuper.com.au/achieve/questions-and-answers)
- [Super Connected](https://www.nationwidesuper.com.au/achieve/super-connected)
- [Supertracker](https://www.nationwidesuper.com.au/supertracker)
- [Insurance](https://www.nationwidesuper.com.au/members/insurance) - Insurance through your superannuation (or superannuation insurance) provides peace of mind by protecting you and your ability to earn income. Are you protected? Use our handy calculator to help work out how much insurance cover you may need, and apply online today.
- [Defensive](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/defensive) - The Defensive Option is an investment option that invests in predominantly defensive assets. The Fund aims to provide your clients with stable returns over the long term. Find out more.
- [Go For Gold](https://www.nationwidesuper.com.au/goforgold)
- [Forms & Publications](https://www.nationwidesuper.com.au/forms) - Download a range of forms and important information here. Simply select between Employers, Members or Pension to see the forms most relevant to you.
- [Dispute Resolution](https://www.nationwidesuper.com.au/members/dispute-resolution)
- [Go For Gold Promotion - Terms and Conditions](https://www.nationwidesuper.com.au/go-for-gold-promotion-terms-and-conditions)
- [Callback Requests](https://www.nationwidesuper.com.au/callback)
- [callback thankyou](https://www.nationwidesuper.com.au/callback-thankyou)
- [Retire Ready Form](https://www.nationwidesuper.com.au/retirereadyform)
- [Cash Returns](https://www.nationwidesuper.com.au/cashreturns)
- [COVID-19 Response](https://www.nationwidesuper.com.au/covid-19-response)
- [Carbon Positive Thank You](https://www.nationwidesuper.com.au/carbon-positive-thank-you)
- [Balanced Growth](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/balanced-growth-2) - The Balanced Growth Option has been designed those seeking longer-term growth with a diversified approach. The Fund invests in predominantly growth assets, with some exposure to alternative assets. Find out more.
- [Australian Floating Rate](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/australian-floating-rate) - With this investment option, expect to earn a return above benchmark, both measured after costs and tax, over rolling 5-year periods. Learn more.
- [Personal](https://www.nationwidesuper.com.au/members/personal) - Nationwide Super is a public offer super fund that is open to employees of participating employers in any industry and to the general public. Learn more here.
- [Balanced Growth](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/balanced-growth)
- [Plant A Tree Promotion - Terms & Conditions](https://www.nationwidesuper.com.au/plantatree)
- [The plus side](https://www.nationwidesuper.com.au/achieve/the-plus-side)
- [Super simplicity](https://www.nationwidesuper.com.au/achieve/super-simplicity-2)
- [Three keys to navigating volatile markets](https://www.nationwidesuper.com.au/achieve/three-keys-to-navigating-volatile-markets)
- [Online Declaration](https://www.nationwidesuper.com.au/online-declaration) - Complete the questions below to determine if you qualify as a white collar or professional worker, for insurance purposes.
- [Death Benefit Nominations](https://www.nationwidesuper.com.au/death-benefit-nominations) - We offer two different types of death benefit nominations, for you to nominate one or more people to receive any death benefit from your account. Call us today.
- [Insurance Changes](https://www.nationwidesuper.com.au/members/insurance/insurance-changes)
- [Better Together 2020 - Terms and Conditions](https://www.nationwidesuper.com.au/better-together-2020-terms-and-conditions)
- [Limited Processing Period](https://www.nationwidesuper.com.au/limited-processing-period)
- [Members](https://www.nationwidesuper.com.au/members) - We keep super simple. And fees low. We keep the products competitive. And we keep the focus on helping you achieve your individual retirement goals. Join today!
- [Death & TPD](https://www.nationwidesuper.com.au/members/insurance/death-tpd) - We offer death & total and permanent disability (TPD) insurance options within your superannuation. Contact the Nationwide Super team for more details.
- [Definitions of Fees](https://www.nationwidesuper.com.au/definitions-of-fees) - Detailed definitions of fees, including investment and administration fees. Contact us to find out more.
- [Growth](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/growth) - The Growth Option typically invests in a diversified portfolio mix with exposure to growth investments around 90% and defensive investments around 10%. Learn more.
- [Global Fixed Income – $A Hedged](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/global-fixed-income-a-hedged)
- [Blended Balanced](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/blended-balanced) - The Blended Balanced Option is typically exposed to a diversified portfolio mix of growth investments around 70% and defensive investments around 30%. Find out more.
- [Australian Cash](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/australian-cash) - The Australian Cash Option invests in bank deposits and money market instruments, including but not limited to bank bills and certificates of deposit. Find out more.
- [Lees](https://www.nationwidesuper.com.au/lees) - Long time Nationwide Super member and horse racing trainer Kris Lees describes running his small business. Watch the video now!
- [Calculators](https://www.nationwidesuper.com.au/employers/calculators) - Need to calculate how much superannuation you should paying for your employees? There’s a super calculator for that here. Find out how from Nationwide Super.
- [Government Co-Contributions](https://www.nationwidesuper.com.au/members/making-personal-contributions/government-co-contributions) - Use government co-contributions to boost your super savings. If you're a low or middle income earner, contact Nationwide Super today to see how we can help you benefit.
- [Deductions for Personal Super](https://www.nationwidesuper.com.au/members/making-personal-contributions/deductions-for-personal-super) - From 1 July 2017, anyone under 75 (regardless of their employment status) can claim a tax deduction on personal super contributions. Contact us for details.
- [Investor](https://www.nationwidesuper.com.au/members/investor)
- [Submitting your TFN](https://www.nationwidesuper.com.au/members/submitting-your-tfn) - Find out why Nationwide Super requires your Tax File Number (TFN). Learn more here.
- [Consolidation](https://www.nationwidesuper.com.au/consolidate-super) - Are you wondering "how do I find my lost super? How can I find my superannuation?”. We can track down and consolidate your old super accounts, so you can grow your superannuation faster. Join Nationwide Super now and we will find and merge all of your super accounts into one account for free. Learn more.
- [Transition to Retirement](https://www.nationwidesuper.com.au/ttr)
- [Occupation Ratings](https://www.nationwidesuper.com.au/members/insurance/occupation-ratings) - Occupational ratings are based on the classification that the insurer applies to the nature of your occupation. Call us to find out more.
- [Income Protection](https://www.nationwidesuper.com.au/members/insurance/income-protection) - Our income protection superannuation insurance cover provides a replacement income of up to 85%. Applying is easy - contact us to see how we can protect you.
- [Choosing a Super fund](https://www.nationwidesuper.com.au/employers/choice-of-fund) - Looking at choosing a super fund? Choosing a superannuation fund or savings account that will receive your super contributions is a right employees are generally entitled to. Choose a super fund that returns profits to members, and will keep super simple for you. Find out more.
- [card-temp](https://www.nationwidesuper.com.au/card-temp)
- [Join-e](https://www.nationwidesuper.com.au/join-e)
- [login-e](https://www.nationwidesuper.com.au/login-e)
- [Join-m](https://www.nationwidesuper.com.au/join-m)
- [Login-m](https://www.nationwidesuper.com.au/login-m)
- [MySuper](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/mysuper)
- [Third-Party Indexed Global Shares – $A Hedged](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/third-party-indexed-global-shares-a-hedged)
- [Third-Party Indexed Global Shares](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/third-party-indexed-global-shares)
- [Third-Party Indexed Australian Shares](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/third-party-indexed-australian-shares)
- [Emerging Markets](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/emerging-markets)
- [Australian Opportunities](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/australian-opportunities) - The underlying managers use a range of innovative investment techniques and higher return seeking strategies, such as active extension, holding concentrated portfolios and investing in a selection of smaller companies. Find out more.
- [Australian Fixed Income](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/australian-fixed-income)
- [Multi-Asset Growth Strategy](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/multi-asset-growth-strategy)
- [Multi-Asset Income Strategy](https://www.nationwidesuper.com.au/members/investment-options/how-we-invest/multi-asset-income-strategy)
- [Self Employed Super](https://www.nationwidesuper.com.au/self-employed-super) - Our self employed super solution for members is the Personal Division - ideal for people who work for themselves. Contact Nationwide Super today for more
- [Privacy Policy](https://www.nationwidesuper.com.au/privacy-policy) - Privacy Policy - Trustee: NSF Nominees Pty Limited. Read more here.
- [Simple Super](https://www.nationwidesuper.com.au/about-us/simple-super) - Our promise hasn’t changed in 30 years – Nationwide Super offers simple super solutions to members to help them reach their retirement goals, and to contributing employers to help them meet their super obligations. Join online in just minutes. Find out how we can help you - contact us today.
- [Contact](https://www.nationwidesuper.com.au/contact) - Contact us by post, phone, email, or in person Monday to Friday 8.30am – 5pm (NSW time), excl. public holidays - or use this form anytime. Contact us today!
- [Member Benefits](https://www.nationwidesuper.com.au/members/benefits) - Nationwide Super makes super simple, and provides members with access to a range of other useful products and services. Join today!
- [Thank you](https://www.nationwidesuper.com.au/thank-you)
- [Duty of Disclosure](https://www.nationwidesuper.com.au/duty-of-disclosure) - Notice of the duty of disclosure from our life insurer to you. Get in touch to find our more today.
- [Vet](https://www.nationwidesuper.com.au/vet) - Dr Gail Meluish from Cardiff Vet Hospital NSW discusses running a small business, treating animals, and superannuation. Watch the video now!
- [Thanks for responding!](https://www.nationwidesuper.com.au/thanks-for-responding) - Thanks for responding - we'll update your details as soon as we can. Call us if you have any questions.
- [Notice of Changes to Trust Deed - 1 July 2016](https://www.nationwidesuper.com.au/notice-of-changes-to-trust-deed-1-july-2016) - From 1 July 2016, the Trustee of Nationwide Super will cease accepting claims to access super account balances under the following grounds - read more.

## Downloads

- [NW_PDS_SF_Nationwide-and-Personal-App.pdf](https://www.nationwidesuper.com.au/download/nw_pds_sf_nationwide-and-personal-app-pdf)

## Tabs

- [Employer Benefits](https://www.nationwidesuper.com.au/tab/employer-benefits)
- [Employer Obligations](https://www.nationwidesuper.com.au/tab/employer-obligations)
- [Employer Resources](https://www.nationwidesuper.com.au/tab/employer-resources)
- [Pension - how it works](https://www.nationwidesuper.com.au/tab/pension-how-it-works)
- [Pension - opening a pension](https://www.nationwidesuper.com.au/tab/pension-opening-a-pension)
- [Pension - about our pension](https://www.nationwidesuper.com.au/tab/pension-benefits)
- [Pension - managing your pension](https://www.nationwidesuper.com.au/tab/pension-managing-your-pension)
- [Pension - transition to retirement](https://www.nationwidesuper.com.au/tab/pension-transition-to-retirement)
- [Homepage - Members](https://www.nationwidesuper.com.au/tab/homepage-members)
- [Member - benefits](https://www.nationwidesuper.com.au/tab/member-benefits)
- [Employer making contributions](https://www.nationwidesuper.com.au/tab/employer-making-contributions)
- [Homepage - Employers](https://www.nationwidesuper.com.au/tab/homepage-employers)
- [Employer - do i qualify?](https://www.nationwidesuper.com.au/tab/employer-do-i-qualify)
- [Member - Find your super](https://www.nationwidesuper.com.au/tab/member-find-your-super)
- [Members - investments](https://www.nationwidesuper.com.au/tab/members-investments)
- [Members - Insurance](https://www.nationwidesuper.com.au/tab/members-insurance)
- [Member - Change super funds](https://www.nationwidesuper.com.au/tab/member-change-super-funds)

## Categories

- [General](https://www.nationwidesuper.com.au/category/general)
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## Tags

- [small business](https://www.nationwidesuper.com.au/tag/small-business)