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Feed your Super extra spinach

Unlock your super powers with ING Living Super.

Open in 5 mins Learn more

Easy and flexible options

Sign up in minutes

Keep track of your super with your other ING accounts

Give your Super,
super powers

Super holds great powers! Whether you're a super noob or a seasoned professional, unleash your super powers with ING Living Super.

Learn more

Get going in just 5 minutes

Set yourself up online or we can talk you through it over the phone.

1

Open your account

To get set up just enter your contact details, your TFN and select from one of our investment menu options.

2

Consolidate your super

Head to "Rollover your Super" to find your other super in seconds and decide whether you want to consolidate. You could stop paying for multiple things, like fees and insurance, that could be eating into your super.

3

Tell your employer

Once your account's open we'll shoot you a handy form to give to your employer to ensure your regular contributions are going straight into your new account.

Before consolidating your super accounts, you should consider where future employer contributions will be paid, any fees you may incur with the rollover and lost current insurance benefits from your existing provider(s). You should discuss any potential super strategies with your accountant or financial adviser.

When opening your account online, remember:

  • You'll need your Tax File Number handy
  • It's for Australian residents only
  • You must be aged 13 or over

Unlock your Super powers!

With competitive fees and flexible options, simply choose one of our diversified investment options or customise your investments as you like.

Growth fees comparison

Independently validated by SuperRatings. For full report, including assumptions and criteria, go to ing.com.au/superratings

$455 p.a.
$599 p.a.
  • Living Super Growth fee
  • SuperRatings All Fund Median fee

The SuperRatings fee comparisons are based on a $50,000 account balance and include member fees, administration fees and investment management fees as disclosed in the latest Product Disclosure Statement for each accumulation product. Contribution fees, entry fees, exit fees, additional adviser fees or any other fees charged are excluded from this review. The SuperRatings All Fund Median fee is the calculation of total ongoing fees payable (applicable member fees, administration fees and investment management fees) on a $50,000 account balance invested in the applicable investment option of both the Retail Master Trusts and Not for Profits tracked by SuperRatings. The Growth option has a 70% Growth / 30% Defensive asset allocation, and therefore is assessed against the SuperRatings Balanced sector (60-76% growth asset allocation). The International share and International share (hedged) options have been compared against SuperRatings International Share sector which consists of both hedged and unhedged options. Australian fixed interest and International fixed interest (hedged) have been compared against the SuperRatings Diversified Fixed Interest sector.

The benchmarking review of proposed fees is based on information held within the SuperRatings database as at 30 September 2019.

High growth

Historical Performance
5.82

Over 5 years for super accounts, effective of 31 May 2020. For full historical investment performance, including TTR and Pension accounts, click here.

Who's it suitable for?
10

Investing for 10+ years

Investment allocation
High Growth Investment Allocation

Asset class breakdown

  • Australian Shares - 45%
  • International shares - 40%
  • Property - 10%
  • Fixed Interest - 3%
  • Cash - 2%

Growth

Historical Performance
3.92

Over 5 years for super accounts, effective of 31 May 2020. For full historical investment performance, including TTR and Pension accounts, click here.

Who's it suitable for?
8

Investing for 8+ years

Investment allocation
Growth Investment Allocation

Asset class breakdown

  • Australian Shares - 33%
  • International shares - 30%
  • Property - 7%
  • Fixed Interest - 27%
  • Cash - 3%

Moderate NEW

Investment Objective

This investment option launched on 1 July 2020.
Aims to provide medium to long-term capital growth with income built into the unit price. Benchmark: 1.5% average annual return above inflation (CPI) over rolling 6 years after investment fees and taxes.
The Risk Level of this investment option is Medium to High.

Who's it suitable for?
6

Investing for 6+ years

Investment allocation
Moderate Investment Allocation

Asset class breakdown

  • Australian Shares - 23%
  • International shares - 22%
  • Property - 5%
  • Fixed Interest - 45%
  • Cash - 5%

Conservative NEW

Investment Objective

This investment option launched on 1 July 2020.
Aims to provide medium to long-term capital growth with income built into the unit price. Benchmark: 0.75% average annual return above inflation (CPI) over rolling 4 years after investment fees and taxes.
The Risk Level of this investment option is Medium.

Who's it suitable for?
4

Investing for 4+ years

Investment allocation
Conservative Investment Allocation

Asset class breakdown

  • Australian Shares - 14%
  • International shares - 14%
  • Property - 2%
  • Fixed Interest - 60%
  • Cash - 10%

Customise yourself

Customise yourself

Looking for more investment choices or more control over where your super is invested?

The performance information in the table above represents the historical performance of the managed investment options available within ING Living Super. The performance is calculated by measuring the change in the sell price for each managed investment option over the relevant time period. The performance calculation is net of all fees and taxes that are accrued in the calculation of the unit prices, but does not include any fees and taxes that are charged directly to your account.

When choosing your investment options, you should consider the likely investment return, risk and how long you will be investing your super and remember that past performance is not a reliable indicator of future performance. Before making any decision in relation to ING Living Super, including share trading, you should read the PDS, Product Guide and the Financial Service Guide. An investment in ING Living Super is not a deposit or liability of ING Bank (Australia) Limited or any of its related corporations.

Buy-sell spreads and other incidental transaction costs apply to managed investment options, including the Balanced option. Buy-sell spreads and other transaction costs are retained within the managed investment and are not fees paid to ING or the trustee. The trustee may replace one or more of the underlying investment managers which may affect the fee structure for the investment options. In addition other factors may arise which may cause the fee structure for Living Super to change. Should this occur the trustee may increase the fees for ING Living Super without your consent by giving 30 days' notice.

Right here, right now

Whether it's a quick check-in or an investment change, you can manage all your super online.

One place for everything

Because we've put everything in the one place, you can keep track of your super together with any other ING accounts you have, on your phone, tablet or desktop anytime.

Flexibility at your fingertips

Whether you're keeping it simple with a managed fund or more sophisticated with a customised trading portfolio, you can easily change investment choices according to your comfort level, simply by logging on to ing.com.au

Make it simple or mix it up

Choose from our diversified investment options or mix and match your investments to meet your individual needs.

Living Super is an award winner

With awards like the Superratings Gold rating MyChoice Super 2020 & Gold rating Pension 2020, Living Super is proud of its achievements.

Rollover your super online

Rollover and consolidate your super online so it's all in one place, easier to manage and you could save on fees.

Choose to be with Australia's most recommended bank

For many of us, super will grow to be the second biggest asset after our home. So you want to be sure your super's in the best hands for you.

Get us on the phone

Call our customer care team or find out more below.

133 464

8am-8pm Mon-Fri (AEST/AEDT)

Get a money coach

Open a Living Super account and we'll pay for one session of single-issue advice with a qualified Money Coach from Link Advice (valued at $348). They can help you with topics like choosing the right investment options.

Understanding your super

More information about Living Super

Diversa Trustees Limited ABN 49 006 421 638, AFSL 235153, RSE L0000635 is the Trustee of the ING Superannuation Fund ABN 13 355 603 448 (Fund) and the issuer of interests in the Fund. ING Living Super is a product issued out of the Fund. ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL 229823, is the Promoter of the Fund and the issuer of this document. The insurance cover offered by the Fund is provided by MetLife Insurance Limited ABN 75 004 274 882 AFSL 238096. You should consider the Product Disclosure Statement and Financial Services Guide available at ing.com.au when deciding whether to acquire, or to continue to hold, the product. Any advice does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you.

Financial advice is provided by Link Advice Pty Ltd ABN 36 105 811 836, AFSL 258145.

ING "Australia's most recommended bank" according to RFi XPRT Survey October 19 - April 20 (n = 3839) when compared to customers of 20 other banks operating in Australia.

SuperRatings does not issue, sell, guarantee or underwrite this product. Go to superratings.com.au for details of its ratings criteria.

Super, our second biggest assets after our home - https://blog.ing.com.au/future-proof/superannuation/do-you-give-a-damn-about-your-second-biggest-asset/