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Picture Book · SMSF, family and later life

Who gets your super?

Story pages

A woman in her late sixties with silver hair reading in a garden chair
Meet Carol. She's 67, widowed, with two adult children.
A letterbox at the end of a garden path with a separate small parcel box beside it
Super usually isn't covered by your will. The fund decides who gets it.
A key turning in a sturdy wooden door
A binding nomination tells the fund who to pay, if it's valid.
A garden hourglass on a stone bench
Some binding nominations lapse after a few years unless they're renewed.
Two adult siblings walking together along a riverside path
Adult children may pay tax on super they receive, so the details matter.
A woman in her late sixties on the phone at a sunny kitchen table
Carol checks her nomination with her fund and her adviser.

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 29 October 2026. Sources:

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