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The whole point of superannuation is to provide for your retirement. It can only be accessed early if you can prove fairly severe hardship. Marg

You CAN set up your own fund but need a serious balance to outweigh the set-up and running costs. If you want to amalgamate accounts, the best way is to choose which super fund you want to stay with. Contact them and they will send you forms to fill out and return to them with details of the...