New job, new super strategy: how one simple check could add thousands to your retirement.

You've nailed the interview, signed the contract, and are ready to kill it in your new role. As a forward thinker, you’re sure to impress your new boss.

But keep your forward-thinking hat on and take this rare opportunity to impress future you - more specifically post-career you. 

Instead of mindlessly handing over your super form to HR, future you would want you to be in control of a super that really stacks up.As you’ll learn, taking action now could potentially save you thousands come retirement.

Why your job change is the smart time to check your super 

Think of this as a financial reset button. You get the chance to pause, to assess how this new role can improve your finances: your budget, your cash flow, and yes, even your super.

Here's why your super deserves a closer look at this key moment:

• You're updating things anyway, including nominating your super account. Sure, you could just hand over your current super details - or forget to, and end up landing in your employer's default fund. But all it takes is a quick look at your super’s performance to see if it’s meeting your expectations. Think of it as part of your onboarding.
• Money is on your mind. You're already thinking about your finances with this new job. And since you're already in that headspace, you’re well primed to consider optimising the asset that could very well end up being one of your largest.

The cost of ignoring your super: thousands could be at stake

Need another reason to pay more attention to your super at this critical moment? Trudging along in the wrong super could be costing you real money. 

In fact, our 2025 Mozo Superannuation Report found that with a $100,000 starting balance, the difference between a top-performing fund and an average--performing straggler could be anywhere from around $6,300 to nearly $16,000 over just five years. 

Now think about what that could look like after a decade or three. 

So are you ready to make a smarter choice about your super? The next section will show you how.

Smart super choices for your next career stage

Okay, so you're thinking smarter about your super now. Good on ya! 

Assuming you have a handle on your financial goals (or are wise enough to consult a financial advisor if you don't), let’s just focus here on where and how you can compare super funds based on what matters: fees and performance. 

Understanding, of course, that past performance is not a guarantee of future performance.

Option 1: APRA quarterly data

If you're a data nerd, the Australian Prudential Regulation Authority (APRA) releases quarterly data on hundreds of investment products across dozens upon dozens of funds - including how they perform straight up, and how they perform after fees are deducted. 

But that’s not your only option.

Option 2: Mozo Expert Choice for Superannuation 

If sifting through spreadsheets isn't your idea of a good time, don't worry, we've done the legwork for you. 

Our team of expert data analysts - with decades of combined experience - have done the hard yards for you, sifting through the ASIC data with a fine-tooth comb, crunching the inputs, and distilling it into a clear breakdown of the top performers. We’ve even gone a step further by including our own, methodologically-sound performance categories based on things like your lifestage, risk profile and fee tolerance.

So, whether you're after a fund geared for high growth, more focused on keeping fees low, or looking for options tailored to your current life stage, our 2025 Mozo Experts Choice Superannuation Awards breaks it all down for you. 

Here are some of the award-winning funds:

Virgin Money for investments that auto-adjust as you grow

Virgin Money's LifeStage tracker smartly auto-adjusts your portfolio as you age, transitioning you from a more growth-focused portfolio when you're younger to a more conservative one when you near retirement. This takes place across 6 lifestages. 

And best of all, it took home two Mozo Expert’s Choice Awards for Exceptional MySuper and Low Fee MySuper.

Aware super for mid-career folks

Fresh off an award for best super for Gen X at the 2025 Mozo Experts Choice Awards, Aware Super offers exactly what you need when you're taking a harder look at your future, with a user-friendly dashboard, plenty of helpful resources, and even wellness perks, all guided by strong ESG principles. And while they're a hit with Gen X, their diverse investment options means there’s something for everyone, regardless of where you’re at in your career.

Australian Ethical Super for ethical investments

Australian Ethical Super takes a strong ethical stance on what they will and won't invest in across all their investment options - while continuing to post attractive returns and offering a wide array of investment options (although it’s important to note that past performance is not an indicator of future performance).

This makes Australian Ethical Super a good choice for those with uncompromising ethical investment values.

Spaceship super for high-growth

Spaceship Super is an apt name here, as their high-growth fund has exceeded the average, plus, their digital dashboard might just feel like you're at the controls of the Starship Enterprise.

This digital-first, fintech approach aligns with their focus on career-folks who are 10+ years out from retirement - those who need easy tools and 'growthier' investments.

Bottom line

Congrats on the new gig, and take full advantage of this golden opportunity, not only to advance your career but to also set yourself up a dynamite lifestyle post-career! 

And with tax season coming up, it’s also a good time to consider making some of your own super contributions via salary sacrifice or through post-tax contributions you can claim back later. Not only will those contributions receive preferential tax treatment up front, but it can help reduce your overall taxable income.