Skip to content, Skip to main navigation
Investor Insights > News > Staying cyber safe in retirement: What every member should know
Staying cyber safe in retirement: What every member should know
March 2026
As much of our day-to-day activity has gone online, cybercriminals have become increasingly sophisticated in their targeting - particularly when it comes to older Australians who may be managing their retirement savings digitally. Safeguarding your retirement savings remains our top priority, and we have strong security systems working behind the scenes.
Staying safe online is a shared effort, and a few simple habits can go a long way in protecting your personal information and keeping your super safe. Here are some important tips from our Cyber Security and Scam Awareness hub.
How OnePath helps protect your online security
Behind the scenes, we have multiple layers of cyber protection to help keep your accounts safe, including:
- Advanced monitoring tools to detect suspicious activity
- Strong login controls, including security steps to help verify your identity
- Data encryption to protect sensitive information
- Staff training to ensure teams can identify threats and support members
Why your super can be a target
Your super represents decades of hard earned savings which makes it attractive to scammers. Fraudsters may impersonate trusted organisations, attempt to access your online accounts, or pressure you into transferring money or providing personal details. Financial scams are becoming more common and sophisticated, often making them harder to spot.
Common tactics include:
- Pretending to be from a super fund, bank or government agency
- Asking for personal information to "verify" your identity
- Offering help to access super early (which is illegal, and only available in some specific circumstances)
- Using high pressure tactics to create urgency
Red flags to watch for:
- Unexpected calls, texts or emails asking for personal information
- Requests to share login details, codes or identification documents
- Offers that sound "too good to be true"
- Being asked to move your money urgently
- Messages with spelling mistakes or suspicious links
If something feels "off", it probably is. When in doubt, stop before you act.
Stop. Reflect. Protect.
We recommend a three step approach anytime you encounter something suspicious online: Stop, Reflect, Protect.
- Stop: Don't click links, open attachments or provide information until you're sure it's safe.
- Reflect: Does the communication look genuine? Were you expecting it? Is the business contacting you through their usual channels?
- Protect: If you think you've been targeted, act quickly - contact your fund or bank, run a security check, and update your passwords.
These simple habits are shown to significantly reduce the chance of falling victim to online scams.
In addition, we suggest you regularly check ASIC and Scamwatch for up to date scam alerts and practical advice.
Practical steps you can take today
Remember, your day to day habits make a major difference and here's what you can do now to stay safer online:
- Use strong, unique passwords for all accounts
- Enable multi-factor authentication (MFA) whenever possible
- Keep your devices updated, including security and operating system updates
- Never share verification codes - no legitimate organisation will ask for them
- Avoid public Wi Fi when accessing financial accounts
- Regularly review your account activity for anything unusual
If you ever feel uncertain, contact us directly rather than responding to the message or caller.
Where to find more support
If you suspect you may be dealing with a scam or simply want to strengthen your online security, visit our Cyber Security and Scam Awareness hub. Additional support is available through Government services like Scamwatch and ASIC's consumer support pages, which offer advice on what to do if you think you've been scammed.
Your retirement savings deserve the best protection
As technology evolves, so do online threats - but so do the tools and systems designed to stop them. With OnePath's robust security protections and your own safe online habits, you'll be well-placed to enjoy your retirement with confidence and peace of mind.
If you have questions about your account or need extra guidance, contact us.
You may also be interested in
This article has been prepared for OnePath Custodians Pty Limited (OPC) ABN 12 008 508 496, AFSL 238346 as Trustee of the Retirement Portfolio Service (ABN 61 808 189 263). OPC is part of the Insignia Financial group of companies comprising Insignia Financial Limited ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group).
The information in this article is current as at March 2026 and may be subject to change.
You should read the relevant Financial Services Guide (FSG), Product Disclosure Statement (PDS), Target Market Determination (TMD), Additional Information Guide (AIG), Investment Funds Guide (IFG), and product and other updates (for open and closed products) available at onepath.com.au and consider whether OnePath products are right for you before making a decision to acquire, or to continue to hold any OnePath product. Alternatively, you can request a copy of this information by calling Customer Services on 133 665.
Taxation law is complex, and this information has been prepared as a guide only and does not represent taxation advice. Please see your tax adviser for independent taxation advice.
Before re-directing your super or moving your money into your product, you will need to consider whether there are any adverse consequences for you, including loss of benefits (e.g. insurance cover), investment options and performance, functionality, increase in investment risks and where your future employer contributions will be paid. Any investment is subject to investment risk, including possible repayment delays and loss of income and principal invested. Returns can go up and down. Past performance is not indicative of future performance.
The information provided is of a general nature and does not take into account your personal needs, financial circumstances or objectives. Before acting on this information, you should consider the appropriateness of the information, having regard to your needs, financial circumstances or objectives. The case studies used in the articles on this website are hypothetical and are not meant to illustrate the circumstances of any particular individual. Opinions expressed in this document are those of the authors only.