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fund, then your employer’s super contributions are currently being paid into a MySuper product, which will be one of four types of super funds described in the preceding list – industry fund, retail fund or master trust, corporate fund, or public sector fund. If an employee has not chosen his or her super fund (that is, the employer or an industrial agreement or award has selected the super fund) then, since January 2014, all SG contributions for this employee must be paid into a MySuper product. A MySuper product must have a single investment option, minimum insurance cover and standardised disclosure of fees. At the time of writing, there were 118 MySuper products available. For more information about MySuper, check out my website, SuperGuide (www.superguide.com.au).

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