Another job, another super account... if you're like most people, you've probably worked for different employers over the years and you've probably accumulated a few different super accounts along the way (and maybe you've even lost track of one or two).

But if the idea of sorting out this super tangle leaves you searching for more exciting distractions, perhaps you should take a moment to think about what all these accounts might be costing you.

Save yourself some money

Multiple accounts can mean more than one set of fees. And while two or three super accounts may not seem like such a big deal, depending on the super fund, you could easily be paying around $600 a year more than you need to in fees. Over 20 years, that excess could trim $12,000 off your retirement savings. Here's a brief example.

John and Dan both have $150,000 in super and contribute another $15,000 each year. John has his super invested evenly across three separate funds and will pay $1,333* in fees for the 2009-10 financial year. Dan has all his super invested with UniSuper and will pay only $800 for 2009/10.

The difference? Each year, Dan saves over $500 more than John in fees, which adds up to thousands of dollars in 20 years!

Dan's savings over 20 years

Save yourself some time

And if that's not enough to get you thinking, there's the added hassle of keeping track of more than one set of accounts. Super's complicated enough without having more than one statement to read, more than one investment to monitor, and more than one super fund to contact whenever your details change.

In fact, the the Australian Taxation Office is holding around $13 billion of super 'lost property' – money that's just sitting around waiting to be claimed by people who have simply lost track of their super over the years.

But super doesn't have to be this hard or this expensive – and the solution is easy.

Get ready to roll

It's time to say goodbye to multiple accounts, multiple statements and multiple hassles, and get your super sorted. Combining your old super accounts with UniSuper takes the hassle out of managing your retirement savings. And what's more, it's easy.

Simply visit the "Combine your super" section of the UniSuper website at www.unisuper.com.au, for information on how to roll your old super accounts into one.

One super fund means:

• fewer fees to whittle away your nest egg over time
• just one benefit statement and less paperwork to deal with
• more control over how your super is invested
• much less chance of ever losing track of your hard-earned super.

(Of course, before you combine, you should make sure you're aware of any exit fees that might apply, and whether any benefits you have, such as insurance, will cease once you've transferred your funds.)

Start saving

So if you want to save money, save time, and spare yourself the hassles, visit www.unisuper.com.au and Combine your super.

*The fees are based on John having three accounts each with a balance of $50,000 in the AustralianSuper Personal Fund, the HESTA Super Fund Industry Super Plan and UniSuper Accumulation 1 and Dan having one account with a balance of $150,000 in UniSuper Accumulation 1. The fees are based on the management costs disclosed in the 'Example of annual fees and costs for the Balanced investment option' table in the relevant product disclosure statement for each fund as at 1 July 2009. Please note: The actual amount of fees you may be charged will depend on a number of factors including which investment options you choose. Additional fees and costs may also apply. This information is of a general nature only and is not intended to be financial advice. It has been prepared without taking into account your individual objectives, financial situation or needs. Before deciding to acquire or hold an interest in any UniSuper product, you should consider whether it is appropriate for you and consider the relevant product disclosure statement, which is available from UniSuper.