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Picture Book · Downsizing and estate

Your super isn't in your will

Story pages

A woman in her fifties reading at a sunny kitchen table with a cup of coffee
Meet Priya. She assumed her will covered everything, including her super.
Two separate wooden boxes on a table
Your will doesn't automatically cover your super. You nominate beneficiaries through your super fund.
A strong garden gate with a sturdy latch
A binding nomination means the fund must pay the people you choose. Some lapse after 3 years; others don't.
A signpost with blank arrows pointing different ways at a fork in a bush track
A non-binding nomination only guides the trustee, who still decides.
A multi-generation family gathered on a back deck under fairy lights
Super can go to a spouse, children of any age, someone financially dependent on you, someone in an interdependency relationship, or your estate.
A woman in her fifties at a laptop on a sunny desk smiling and nodding
Priya checks her nomination when her annual statement arrives, and sets a reminder before it lapses.

The end

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

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