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One super account for life

VicSuper FutureSaver is our superannuation account designed specifically for people who are of working age. 
Anyone who is eligible to make contributions into super can open an account, and it only takes a few minutes to join.

 

Join now   Why join VicSuper

  • Competitive fee structure

    Competitive fee structure

     
    Fee type Amount
    Administration fee 1,2
    If the account balance is under $4,300:
    Account-keeping fee - $0 per week plus
    Administration fee - 2% pa
    If the account balance is $4,300 or more: Account-keeping fee - $1.50 per week plus
    Administration fee - 0.19% pa
    Investment fee2,3 Ranges between 0.00% pa to 0.44% pa (estimated) 
    depending on your investment option
    Buy-sell spread
    Nil
    Switching fee
    Nil
    Advice fee
    Not applicable
    Indirect Cost Ratio2,3
    Included in the calculation of unit prices (not deducted directly from your account). Ranges between 0% to 0.50% pa (estimated) depending on your investment option.
    Other fees and costs

    Advice fee (for certain types of personal advice3)
    $300 - at the time of advice, the fee may be deducted from your account, paid by credit card or EFTPOS
     

    Find out more about the fees that apply to VicSuper FutureSaver members or refer to the Member Guide - Fees and costs.

    1 The administration fee and account-keeping fee are deducted from your account at the end of each month in arrears. These fees are capped at a combined total of $125 per month per account.
    2 If your account balance for VicSuper FutureSaver is less than $6,000 at the end of the VicSuper's income year, the total combined amount of administration fees, investment fees and indirect costs charged to you is capped at 3% of your account balance. Any amount charged in excess of that cap must be refunded.
    3 Only applicable to members who receive certain types of personal advice. Please see Additional explanation of fees and costs for more information.

     

     

  • Making contributions

    Accepted contributions

    Before-tax & other concessional contributions 
    After-tax contributions 
    Other 
    • Compulsory employer contributions 
      (superannuation guarantee) 
    • Salary sacrifice 
    • Additional employer contributions 
    • Personal deductible contributions (including self-employed contributions)
    • Voluntary (personal) after-tax contributions 
    • Spouse contributions
    • Rollovers from other super funds 
    • Government co-contributions 
    • Lost super
    • Superannuation contribution splitting
    • Low income super tax offset
      

    Find out how to grow your super.

     

  • Investment options

    Investment options

    VicSuper members can choose from a range of nine investment options:

    Members who don’t choose an option are automatically invested in VicSuper’s Growth (MySuper) Option.


  • Insurance
    Death & TPD cover
    Death only cover
    Income protection cover

    Automatic cover*

    6 units
    (Up to $309,000 
    depending on your age) 

     Automatic cover*

    Not applicable.
    (Death cover is available automatically with TPD cover)

     Automatic cover*

    6 units 
    (Up to $3,000 per month) 

     Maximum cover available

    Unlimited death cover
    Up to $5 million TPD cover

     Maximum cover available

    Unlimited

     Maximum cover available

    Up to $30,000 per month

     Eligibility

    Up to age 70

     Eligibility

    Up to age 70 

    Eligibility

    Up to age 65

      

    * Eligible new VicSuper members who join through their employer receive automatic insurance cover. Other VicSuper FutureSaver members can apply for insurance.

    Find out more about insurance

     

     

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Fund performance

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