Rates and fees
Competitive rates and fees to help your super savings grow.
Interest rates
The Cash Hub must hold a minimum of $500 or 1% of your account balance (whichever is greater and capped at $10,000), plus an additional amount equal to the insurance premiums, pension payments (if applicable) and fees due to be paid in the following two months.
Interest accrued on the cash option is reflected in the unit price.
Living Super Term Deposits offer a fixed rate of interest for
the
duration of the term and each require a minimum opening
amount
of $1,000. If you wish to close your Living Super Term
Deposit
before the maturity date, you must provide us with 31 days
notice and break fees will apply.
The 2 year term
deposit is only available in Super
accounts, not Transition to Retirement or Pension accounts.
Interest rates for Living Super Term Deposits are effective
from midday on the date of publication.
3 months
6 months
1 year
2 years
Living Super fees
Detailed information on the fees and costs of Living Super can be found in the PDS, Product Guide and the Defined Fees Guide.
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Establishment feeNil
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Contribution feeNil
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Withdrawal feeNil
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Exit feeNil
Your superannuation is invested in Cash Hub, Cash option and term deposits held with ING.
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Administration fees and costs$60 p.a. charged at $5 per month plus an administration fee of 0.20% p.a. on the account balance in the Cash option. Total percentage-based fees are capped at $2,125 p.a.
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Investment fees and costsNil
Create your own investment strategy by choosing from a range of managed investments (excluding the Cash option).
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Administration fees and costs$60 p.a. charged at $5 per month plus an administration fee of 0.35% p.a. of your account balance in managed investments (excluding the Cash option) and 0.42% p.a. on the account balance in listed securities. Total percentage-based administration fees are capped at $2,125 p.a.
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Investment fees and costsEstimated underlying investment costs on the account balance in the managed investment options (excluding the Cash option) ranging from 0.026% to 0.3108% p.a.
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Buy/sell spread
Managed investment option Buy (%) Sell (%) Australian Fixed Interest 0.020% 0.030% Australian Listed Property 0.160% 0.160% Australian Shares 0.110% 0.110% Cash 0.000% 0.000% Conservative 0.082% 0.071% Growth 0.102% 0.102% High Growth 0.115% 0.119% International Fixed Interest (Hedged) 0.060% 0.070% International Shares 0.067% 0.092% Diversified Shares 0.074% 0.085% Moderate 0.097% 0.088% -
Transaction costs
The table at right outlines how much of each investment option’s transaction costs were recovered by the buy/sell spreads shown above. Net transaction costs shown in the table are an additional cost to you paid from the assets of the Fund, and these costs are also disclosed in the ‘Fees and Costs Summary table’ in the ‘Fees and other costs’ section of the Product Guide.
Managed investment option Net transaction costs* Australian Fixed Interest 0.00% Australian Listed Property 0.00% Australian Shares 0.00% Cash 0.00% Conservative 0.00% Diversified Shares 0.00% Growth 0.00% High Growth 0.00% International Fixed Interest (Hedged) 0.00% International Shares 0.00% Moderate 0.00% *These costs are estimates only based on information for the year ended 30 June 2023, and the actual net transaction costs may be higher or lower.
Take a hands-on approach, with real-time trading of S&P/ASX 300 shares, plus a selection of Exchange-Traded Products
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Administration fees and costs$60 p.a. charged at $5 per month plus an administration fee of 0.35% p.a. of your account balance in managed investments (excluding the Cash option) and 0.42% p.a. on the account balance in listed securities, capped at $2,125 p.a.
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BrokerageBrokerage of $20 or 0.13% per trade (whichever is greater)
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Transaction costsNil
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Market researchIncluded in the Administration fee
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Premium market research (optional)$20 per month
If you want to close your Term Deposit early:
you need to give us 31 days’ notice, and
Break costs apply if you break your Term Deposit before its maturity date. You will receive a lower interest rate (as a result of the relevant interest rate reduction being applied) than if you had kept the Term Deposit until its maturity date.
Interest will be calculated from the date the Term Deposit was opened to the date the Term Deposit is closed (inclusive of the 31-day notice period), less the interest rate reduction as shown below.
0% to less than 20%
20% to less than 40%
40% to less than 60%
60% to less than 80%
80% to less than 100%
Example: If you buy a 2-year Term Deposit on 1 April 2024 at an agreed interest rate of 1.20% p.a., you need to keep your money in it until 31 March 2026 to receive that interest rate. If you break the Term Deposit on 31 March 2025 (which is at the 1-year mark, so you’ve only had it for 50% of its total term), the interest rate you would have received at full term (1.20% p.a.) will be reduced by 60%. You will receive 0.48% p.a.
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Insurance feesVaries depending upon the amount and type of cover you choose and other factors such as your sex, age, occupation and any health loadings which may apply.
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Member advice feeVaries depending on the advice services you use.
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Term deposit early closureRefer to the section 'Term Deposit Break Costs' for further information.
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Investment fees on Exchange Traded ProductsVaries depending on the investment fee charged by the Exchange Traded Products provider. It is reflected in the performance of the option.
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Family law information$102.50 per request
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Family law split$256.25 per request
