I'm sure that there are others more qualified than me but there is a couple of things you could do:

1. get your spouse to make a contribution into your account
2. make an after tax contribution to get the super co-contribution
3. look at what funds you've got your super in and transfer it to one which attracts lower fees

BTW - you can't transfer your super to your spouse

Liz
:yeahthat:
This government website has some really good tips and advice on comparing funds Super - taking time out from work - Australian Securities and Investments Commission
Generally the industry funds have the lowest fees and still have a pretty good fund performance. There are retirement savings accounts kinda like a normal savings account but with super restrictions - most banks have a product along these lines. They have really low fees (maybe $20 a year) but only invest in cash so the earnings are eroded by inflation. An aggressive investment strategy is appropriate for many of us who have quite a few years until retirement.
Also if you have life insurance through superannuation it is substantially cheaper than outside super. The premiums will obviously make your super balance decrease further but it is great for cash flow if you can't afford the premiums (even better if you can make a contribution to your fund to cover the premiums)