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.
Why VicSuper FutureSaver?
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Competitive fee structure
Competitive fee structure
Fee type Amount Administration fee 1,2
Account-keeping fee - $1.50 per week plus
Administration fee - 0.19% paInvestment fee2,3 Ranges between 0.00% pa to 0.32% pa (estimated)
depending on your investment option
Buy-sell spread
Nil
Switching fee
Nil
Advice fee
Relating to all members investing in a particular investment optionNo advice fee is charged for providing general and simple advice limited to your account.
Indirect Cost Ratio2,3
Included in the calculation of unit prices (not deducted directly from your account). Ranges between 0% to 0.54% pa (estimated) depending on your investment option. Other fees and costs
Advice fee (Comprehensive financial advice3)
Additional fees may be paid to a financial planner. The fees will depend on the complexity of the advice you are seeking. If you obtain complex financial advice from a planner in our financial planning business, you will be informed of the cost before you proceed. If you are issued with a statement of advice, it will contain details of the fees, which may be deducted from your account when the advice is received (or you may need to pay the fee directly). 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 a product offered by us is less than $6,000 at the end of our 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 comprehensive financial advice. For more information on fees, refer to the 'Fees and costs' member guide. -
Making contributions
Accepted contributions
Before-tax & other concessional contributions
After-tax contributions
Other
- Employer superannuation guaranteed (SG)
- Salary sacrifice contributions
- 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
- Super contribution splitting
- Low income super tax offset
- Downsizer contributions
Find out how to grow your super.
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Investment options
Investment options
Members can choose from a range of nine investment options:
- Cash
- Term Deposit
- Capital Secure
- Capital Stable
- Balanced
- Socially Conscious
- Growth (MySuper)
- Equity Growth
- Australian Shares
Members who don’t choose an option are automatically invested in the Growth (MySuper) Option.
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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 coverMaximum 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 members who join through their employer receive automatic insurance cover. Other VicSuper FutureSaver members can apply for insurance.
SuperRatings
See how VicSuper FutureSaver measures up against 150 other super funds. Use RateMySuper to see how we compare.
Fund performance
See how VicSuper FutureSaver performed over the past three, five, and ten years.
More about VicSuper FutureSaver