Active Super | Performance, features and fees
Active Super is an industry fund with more than 85,000 members that's open to all Australians.
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Active Super investment options
Key features of Active Super
- Industry super fund that's open to all Australians to join
- Five ready-made investment options to choose from
- More than 85,000 members and $12 billion in funds under management
- Responsible investment principles are applied to all investment options
Active Super investment options
Active Super offers members the choice of five pre-made investment options. These options invest your super in different ways, depending on the level of risk you're comfortable with and the length of your investment time frame.
Pre-mixed investment options
|Investment option||Risk level||About this portfolio|
|High Growth||Medium to High||The majority of your balance will be invested in Australian and international shares, which are high growth assets and also high risk. You'll also have a small portion of your balance invested in direct property and private equity. This option is designed for members with a longer investment time frame.|
|Balanced Growth||Medium to High||This option is slightly lower risk than the High Growth option. Instead of most of your balance being invested in shares, about 50% of your balance will be invested in shares, with a slightly higher allocation towards defensive assets like bonds.|
|Balanced||Medium||This option is a balance of High Growth and Conservative. About 30% of your balance is invested shares, with almost half your balance invested in defensive assets.|
|Conservative||Low||This option is much lower risk than the previous options, with about 60-70% of your balance invested in defensive assets instead of growth assets. This option still has some exposure to shares, however, it's only about 10% of your balance. This option is designed to protect your super from short-term market volatility.|
|Managed Cash||Very Low||This is the lowest-risk investment option, and it invests your full balance is cash products. This option doesn't seek any growth, but instead aims to keep the money in your super secure. This option is designed for members with a very short investment time frame (e.g. if you've already retired).|
Active Super default insurance cover
Eligible members will receive the following default insurance cover when joining:
- Death: This cover provides a lump sum payment to your nominated beneficiaries in the event of your death.
- Total and Permanent Disablement (TPD): This cover provides a lump sum payment to you in the event that you become permanently disabled.
- Income Protection: This cover is paid out in the even you can't work and lose your income.
You'll get a default, basic level of cover for the above insurances, however you can apply to increase your level of cover at any time if you think it's the right choice for you. You can also opt out of all insurance cover all together.
How do I join Active Super?
If you're ready to join Active Super, you can join online via its website. The application process is simple and should only take you 10–15 minutes to complete.
To complete the online application form you will need to provide:
- Your name, date of birth and contact information (including your phone number and email address)
- Your Tax File Number (while supplying your TFN is not compulsory, doing so ensures that your contributions and benefits will be taxed at the lowest possible rate)
You'll be sent the details of your new Active Super account shortly after completing the online application form. If you'd like your employer to make your compulsory super payments into this fund, be sure to give your employer your Active Super account details.
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