Super is an important part of the Australian retirement system, providing workers with a secure and tax-effective way to save for retirement and helping to ensure that they have the financial resources they need to enjoy a comfortable retirement. Here are the reasons why super is important:

1. Retirement income: Super is a key source of retirement income for Australians. It allows workers to save and invest money throughout their working lives, so that they have an income stream to support them in retirement.

2. Tax benefits: Super offers significant tax benefits, such as lower tax rates on contributions and investment earnings. This makes it a tax-effective way to save for retirement.

3. Employer contributions: Employers are required to contribute a percentage of their employees' salaries to their super accounts. This means that super is an important saving account for workers.

4. Government contributions: The Australian government offers various forms of support for super savings, such as co-contributions and low-income super tax offsets. These initiatives can help boost retirement savings for those who need it most.

5. Investment options: Super funds offer a range of investment options, giving members the flexibility to choose investments that align with their individual risk tolerance and investment goals.

Managing your super can be complex, but there are several key factors to consider to help you make the most of your super savings. Here are some things to consider:

1. Investment strategy: Consider your investment strategy and make sure that it aligns with your retirement goals and risk tolerance. Review your super fund's investment options and performance regularly to ensure that your investments are performing as expected.

2. Fees: Understand the fees that you are paying for your super fund, including investment fees, administration fees, and insurance fees. Consider switching to a lower-cost fund if you are paying high fees.

3. Insurance: Review the insurance coverage provided by your super fund, including life insurance, total and permanent disability insurance, and income protection insurance. Make sure that you have the right level of coverage for your needs.

4. Consolidation: Consider consolidating multiple super accounts into a single account to save on fees and simplify your super management.

5. Contributions: Make sure that you are making regular contributions to your super account to help boost your retirement savings. Consider making additional contributions, such as salary sacrifice contributions or after-tax contributions, to maximize your savings.

6. Government support: Understand the government support available for super savings, such as co-contributions and low-income super tax offsets, and take advantage of these initiatives if you are eligible.

7. Financial advice: Consider seeking advice from a financial planner who can help you develop a comprehensive super management strategy that aligns with your goals and needs.

A financial planner can play an important role in helping you manage your superannuation (super) in Australia. Here are some ways that a financial planner can help with super management:

1. Review your superannuation strategy: A financial planner can review your existing super strategy and make recommendations to help you optimize your super savings for your retirement goals.

2. Investment strategy: A financial planner can help you develop an investment strategy that aligns with your goals, risk tolerance and time horizon. They can review your super fund's investment options and make recommendations based on your needs and circumstances.

3. Super fees and costs: A financial planner can help you understand the fees and costs associated with your super fund and identify opportunities to reduce fees and costs to maximize your retirement savings.

4. Insurance coverage: A financial planner can help you review your super fund's insurance coverage and determine if you have the right level of coverage based on your needs and circumstances.

5. Super contributions: A financial planner can help you maximize your super contributions to take advantage of the tax benefits and other incentives that are available.

6. Consolidation of super accounts: A financial planner can help you consolidate multiple super accounts into a single account, to help simplify your super management and reduce the fees and costs associated with having multiple accounts.

7. Retirement planning: A financial planner can help you plan for your retirement by developing a comprehensive retirement plan that takes into account your super savings, other investments, and retirement income needs.