Your super. Your year, explained.

On your statement: Your closing balance

The number under your name is your closing balance as at 30 June 2026. It reflects everything that happened during the year: what went in, what your investments earned, and any fees, taxes and insurance premiums that were deducted.

On your statement: Your personal details

It's all the details we have on file for you.

If your email address or Tax File Number (TFN) shows as not supplied, get those to us. A missing TFN can mean you pay more tax on your contributions than you need to. You can update these by calling the Help Line on 1300 133 177 or by logging into Member Online.

On your statement: Your account summary

This shows where your super started on 1 July 2025, how it changed through the year, and where it ended on 30 June 2026. It includes your contributions, investment earnings, taxes, insurance premiums (if you have insurance) and fees. For a line-by-line breakdown, view Your transaction list.

On your statement: Your account balance history

This chart shows your balance at 30 June for each of the last five years (or fewer if you've only recently become an NGS Super member).

Read it alongside the contributions and investment returns in your statement.

On your statement: Your retirement estimate

Only shown on your statement if you're eligible.

If you're eligible, you'll see an estimate of your super account balance at age 67 and the yearly income it could provide in retirement, in today's dollars. It's based on your current balance and other assumptions, and it doesn't include any super you hold elsewhere or the Age Pension. Think of it as a guide that could help you plan ahead. The full assumptions are in Further information about your retirement estimate.

Want to see how different actions today, such as extra contributions, could boost your super balance?

On your statement: Your insurance cover

If you have insurance as part of your NGS account, you’ll find all the details here. Your Life and Terminal Illness, Total & Permanent Disablement, and Income Protection benefits, plus your insurance category and cover type, are listed. Major life changes, such as a new job, a mortgage or a baby, can be a good time to check whether your cover still suits you.

If you need to update your insurance cover, you can do this through Member Online.

On your statement: Your beneficiary details

Review your nominated beneficiaries, and the type of nomination you've made.

It takes just minutes to check and can help avoid uncertainty for your loved ones later. It's worth reviewing your nominations after major life events such as getting married, separating, or welcoming a new child.

On your statement: Accessing your super

Your balance, and when you can access it.

This explains if there are any restrictions on when you can access all or part of your super. For most members, your super is preserved until you meet a condition of release, like turning 65 or stopping work after 60.

On your statement: Want to do more for your super?

If you're looking to boost your super, here are some ways to get started:

• You can make extra contributions using the BPAY details listed here.
• You'll also find a link to our super calculator, to see how additional contributions could make a difference over time.
• You can also access our advice services. Talk to us online, over the phone or face to face. Many of our advice services are at no extra cost.

On your statement: Your investments

See what your investments earned this year, which options you're in, your unit holdings and unit prices, and where your future contributions are directed.

It's also a good moment to review whether your investment strategy still suits your goals and time until retirement.

On your statement: Investment performance

See returns across all our options, over 1, 5 and 10 years.

Compare the performance of all pre-mixed and sector options, including returns since each option began. Longer-term returns can add context to a single year, but past performance isn't a reliable indicator of future performance.

On your statement: Your transaction list

It's a detailed record of all the transactions on your account during the year.

This includes employer and personal contributions, government co-contributions, insurance premiums, fees, and taxes. If you're working, it's worth checking that your employer's contributions match your pay slips or other contribution records.

Some transactions, like taxes, are shown as before and after 1 November 2025 as part of our change to a new admin service provider.

On your statement: Your fees and costs summary

This section gives a summary and explanation of the fees deducted directly from your account, and the fees and costs deducted from your investment, as well as a total of the fees and costs you paid.

We made some changes to the fees deducted from your account on 1 November 2025, and these are explained on your statement.

On your statement: Additional information

More detail you might want to know about, like conditions about your insurance (if you have cover), our 2025–26 Annual Report (online in November 2026), our privacy policy and our complaints process.

If your statement included a retirement estimate, you'll also find more information here about how the estimate was calculated.

On your statement: Your closing balance

The number under your name is your balance on 30 June 2026, after a year of income payments, any lump sums you took out, fees, insurance premiums (if you have insurance) and your investment earnings.

On your statement: Your personal details

It's all the details we have on file for you.

If your email address or Tax File Number (TFN) shows as not supplied, please provide these so we can stay in touch and make sure you don't pay more tax than you need to. You can update these by calling the Help Line on 1300 133 177 or by logging into Member Online.

On your statement: Your account summary

Your balance on 1 July 2025, then everything that moved it: income payments and any lump sums you took out, fees and insurance premiums (if you have insurance), and your investment earnings. Every line is itemised in Your transaction list.

On your statement: Your income amounts

See how much you're paid and how often, plus the minimum you need to draw in the 2026–27 financial year. That minimum is set by the government, based on your age and your balance on 1 July. In Member Online, you can change how much you're paid (as long as it's above the minimum), how often you're paid, and whether your payment increases automatically each year. If you have a Transition to Retirement account, you'll also see the maximum annual amount you can access, which is also set by the government.

On your statement: Review your retirement needs with confidence

Check your plan still fits your life.

Retirement isn't set and forget. Major life changes, such as a change in your health, spending or family, can be a good time to review how much you draw or how you're invested. You can also access our advice services. Talk to us online, over the phone or face to face. Many of our advice services are at no extra cost.

On your statement: Your beneficiary details

Review your nominated beneficiaries, and the type of nomination you've made.

Your statement shows whether your nomination is binding, non-binding or reversionary. Binding means the Trustee must follow it, as long as it's valid. Non-binding means the Trustee makes the final call. It's worth reviewing your nominations after major life events such as getting married, separating, or losing someone close.

You can update a non-binding nomination in Member Online. For a binding one, you'll need the Death benefit nomination form.

On your statement: Accessing your super

Your balance, split by when each amount becomes available.

For most Income account members, the whole balance is unrestricted non-preserved, which means it's available now, because you've already met a condition of release or turned 65. If you have a Transition to Retirement account, you'll still have a preserved amount, as you haven't yet met a condition of release. Thinking about withdrawing a lump sum on top of your regular payments? Call us first so we can confirm your balance on the day.

On your statement: Your total death benefit

Your death benefit is your account balance plus any life cover you hold as part of your NGS account. Your balance changes with every payment and market movement, so read this as a snapshot at 30 June.

On your statement: Your current income payment details

Each payment is drawn from the investment options you've chosen, in the split or order shown. If one option runs short, we take the rest from your other options in proportion. Any recent change you've made may not show on your statement.

On your statement: Your investments

See what your investments earned this year, which options you're in, how many units you hold and their unit price. It's also a good moment to review whether your investment strategy still suits your goals and how long you need your money to last.

On your statement: Investment performance

See returns across all our Income account options, over 1, 5 and 10 years.

Compare the performance of each Income account option, with returns since each option began. Longer-term returns can add context to a single year, but past performance isn't a reliable indicator of future performance.

On your statement: Your transaction list

It's a detailed record of all the transactions on your account during the year.

This includes income payments, lump sums, fees and insurance premiums (if you have insurance as part of your account).

If you have any questions about your transactions, please contact our Help Line.

On your statement: Your fees and costs summary

This section gives a summary and explanation of the fees deducted directly from your account, and the fees and costs deducted from your investment, as well as a total of the fees and costs you paid.

We made some changes to the fees deducted from your account on 1 November 2025, and these are explained on your statement.

On your statement: Additional information

The details behind your account, including a link to our 2025–26 Annual Report, online in November 2026. This page also covers our complaints process, how we look after your personal information, and how to contact us. If something on your statement doesn't look right, start here.