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Finally, you can pick your super power!

Invest your super in what matters to you, with ING Living Super

Learn more

Easy and flexible options

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Award winning

CANSTAR - Most Satisfied Customer

CANSTAR Awards

Not to brag, but Canstar just awarded us 2020 "Most satisfied customers". Come see what all the fuss is about. We got you.

Give your Super, super powers!

Want your super to do great things, all while helping you save for your retirement? What if your super could help eradicate a disease, power invention, or even save the planet?

Or maybe you're a hands off kinda person. That's cool. We've got those too. You do you!

Either way, your super could have superpowers, and it's up to you to direct it.

Take control of where your super is invested with our range of options

Shares, ETFs and LICs

Living Super offers you access to individual securities within the S&P/ASX 300 index as well as a range of exchange traded funds and listed investment companies through optional real-time share trading, available after you open your account

Managed Investments

Living Super enables you to select from a range of managed investment options, including multi-sector and single-sector options

Term Deposits

Living Super also provides you access to 3 month, 6 month, 1 year and 2 year term deposits (2 year term deposits available for super accounts only), available after you open your account

Invest in what matters to you

Explore a range of invest themes, such as…

Tech

Power the beeps and the boops with your super

Examples of companies a Technology ETF could invest in: Facebook, Amazon, Netflix, Apple

Sustainability

Make battling climate change your super power

Examples of companies a Sustainability ETF could invest in: First Solar, Tesla, Siemans, Vestas

Healthcare

Your super could be disease's Kryptonite

Examples of companies a Healthcare ETF could invest in: Johnson & Johnson, Novavax, Pfizer, UnitedHealth Group

Emerging Markets

Power the next big thing with your super

Examples of companies an Emerging Markets ETF could invest in: Alibaba Group, Samsung, Tencent, Reliance Industries Limited

Currently approved shares, ETF's and LIC's
Keen to put your money where your passion is, but unsure how? We've got you!
Learn more

Once your account is open, getting started with trading is as easy as:

1

Making sure you have $10,000 in your account

2

Opening a share trading account at ing.com.au

3

Checking the limits involved (by reading the PDS) and invest in areas you're passionate about.

Open Living Super now. Go to ing.com.au/superCopy link

Or call us on 133 464

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

Any advice on this webpage does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to ING Living Super you should read the Product Disclosure Statement and the Financial Services Guide.

Are ETFs, Shares, and LICs right for me?

Managed investment options

Looking for something simple? Living Super offers the 4 diversified options below, but we've also got 7 single sector options if you fancy mixing it up.1

View all managed investment options

High growth

Historical performance
11.31

Since inception (30 August 2012) for super accounts, effective as at 31 March 2021.

Growth

Historical performance
8.63

Since inception (30 August 2012) for super accounts, effective as at 31 March 2021.

Moderate new

Historical performance
8.77

Since inception (1 July 2020) for super accounts, effective as at 31 March 2021.

Conservative new

Historical performance
5.09

Since inception (1 July 2020) for super accounts, effective as at 31 March 2021.

Growth fees comparison

The Living Super Growth Option's fee is 25% lower than the entire super industry's median fee. We have had this independently validated by SuperRatings in November, 2019. For full report, including assumptions and criteria, go to ing.com.au/superratings.

Based off a $50,000 balance, SuperRatings found the industry median fee was $599 p.a. versus the Living Super Growth fee of $452 p.a. That's a saving of $147 p.a. .

Save 25% ($147)

You could save 25% ($147) p.a. on fees with Living Super! That's more money towards your retirement.

Disclaimer: 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.

Information & interest rates are current as at the date of publication and are subject to change.

1 Any advice on this webpage does not take into account your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to ING Living Super you should read the Product Disclosure Statement and the Financial Services Guide. The performance information 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.

Term deposits

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. The 2 year term deposit is only available in Super accounts, not Transition to Retirement or Pension account.

Term deposits

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. The 2 year term deposit is only available in Super accounts, not Transition to Retirement or Pension account.

Terms

Interest rates

3 months

% p.a

6 months

% p.a.

1 year

% p.a.

2 years

% p.a.

If you want to close your Term Deposit early:

  • you need to give us 31 days' notice, and
  • Term Deposit 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 in the tables below.

'Break Cost' rules applied to Term Deposits opened on or after 1 January 2021.

Table 1

Time elapsed by the time you withdraw

Percentage of the interest rate you lose

0% to less than 20%

90%

20% to less than 40%

80%

40% to less than 60%

60%

60% to less than 80%

40%

90% to less than 100%

20%

Example: If you buy a 2-year Term Deposit on 1 April 2021 at an agreed interest rate of 1.20% p.a., you need to keep your money in it until 31 March 2023 to receive that interest rate. If you break the Term Deposit on 31 March 2022 (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.

'Break Cost' rules applied to Term Deposits opened on or before 31 December 2020:

Table 2

Term of the Deposit

Interest rate reduction

3 months

0.50% p.a.

6 months

0.75% p.a.

1 year

1.00% p.a.

2 years

2.00% p.a.

Example: If you bought a 2-year Term Deposit on 1 December 2020 at an agreed interest rate of 1.20% p.a., you need to keep your money in it until 1 December 2022 to receive that interest rate. If you break the Term Deposit on 1 December 2021, because it was a 2-year Term Deposit (regardless how long you've held it) the interest rate will be reduced by 2.00% p.a. (but can't go below 0.00%).

Note: If you bought a Term Deposit on or before 31 December 2020 but the rules to newer Term Deposits (Table 1) give you a higher interest rate, we will apply the more favourable rate to you.

So, let's apply the rules in Table 1 to the Term Deposit you bought on 1 December 2020. You've held the Term Deposit for 50% of its total term, so your interest rate will be reduced by 60%. This means instead of 1.20% p.a., you receive 0.48% p.a. This is a better outcome than the 0.00% p.a. if we apply the rules from Table 2. We'll give you an interest rate of 0.48%.

 

Open Living Super now. Go to ing.com.au/superCopy link

Or call us on 133 464

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

Interest rates for Living Super Term Deposits are effective from midday on the date of publication.

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 - about five minutes.

2

Consolidate your super

Find your other super so you stop paying for multiple things, like fees and insurance you may not need, 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
Open Living Super now. Go to ing.com.au/superCopy link

Or call us on 133 464

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

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.

Open Living Super now. Go to ing.com.au/superCopy link

Or call us on 133 464

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

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)

Understanding your super

More information about Living Super

Open Living Super now. Go to ing.com.au/superCopy link

Or call us on 133 464

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

More from ING

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.

ING is Australia's most recommended bank according to RFi XPRT Survey, November 2020 - March 2021 (n=31,459) when compared to customers of 20 other banks operating in Australia. It is also Australia's fifth largest main financial institution (MFI) with 6% of market share according to RFi XPRT Survey, November 2020 - March 2021 (n=31,459). MFI is defined as the bank that the consumer says is their main financial institution.

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

Canstar awarded 'Most Satisfied Customers - Super Fund Award 2020' to ING Superannuation fund in May 2020.

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/