Christian Super: Industry super fund run to profit members
Invest your superannuation into a fund that reflects your personal morals and values.
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Although Christian Super does focus on Christian values, it is available to Australians of all denominations. You see a return on your funds through investments that are ethical, benefiting the community, environment and the world.
In addition, membership into Christian Super allows you free advice on your superannuation and retirement goals along with quality insurance covers at competitive rates. Available as an employer endorsed fund or as your personal super fund, Christian Super is able to meet your needs from the time you start working until you are well into your retirement.
Awards and honours for Christian Super
- Super Review named Christian Super the Super Fund of the Year: Best ESG Fund 2014 for their sustainability and ethical impact as an investment company.
- Since 2011 SuperRatings has consistently awarded Christian Super a Gold Rating each year.
- The Christian Super pension has also been recognised with a Gold Rating from SuperRatings every year since 2011.
- In 2014 Money Magazine awarded Christian Super a Best of the Best Award for Best Green Super Fund.
A closer look at Christian Super
Christian Super makes use of a number of investment products to propel the growth of superannuation funds under their management. This includes Australian and international equities, property, fixed income, cash, currency and a special class of products chosen exclusively for their positive social and environmental benefit. Managed funds are made up of a mixture of these assets in percentage proportions according to its risk level.Back to top
What super investment options are offered by Christian Super?
For both personal and employer based supers, Australians are given a choice of five managed super funds to choose from. Each is rated according to the level of risk it offers, which like with other funds directly reflects on its rate of return. Before you make a decision on the superannuation investment company that you want in charge of your retirement, the funds they offer and rates of return are a major factor that you may want to compare closely:
- Ethical High Growth. The highest risk level fund offered by Christian Super, the return has fluctuated greatly over the last nine years, but still has a competitive rate when invested for a five year period.
- MyEthical Super. Your funds are slightly less at risk with this super, although there is not a huge difference in the rate of return for your investment.
- Ethical Balanced. The happy medium super fund from Christian Super is designed to help ensure your funds are still growing at a competitive rate, even as you start thinking about preserving them.
- Ethical Stable. The Ethical Stable fund does not differ greatly in returns over extended periods of time from the balanced fund.
- Ethical Cash. There is hardly any at risk to your superannuation at all with this fund, although historically it performs at almost half of what the return is with the Stable or Balanced option.
With any super fund it is always important to keep in mind that the past performance is not necessarily a guarantee of continued returns.
Comparing various companies who offer superannuation investment services will give you a greater idea of the types of funds to look for.Back to top
What pension accounts are offered by Christian Super?
You choose how to manage your pension as your approach retirement age if your superannuation is invested with Christian Super. The choices include a lump sum payment, steady pension payments or a combination of both.
You can also choose to keep all or part of it in any one of the investment accounts that are part of the Christian Super super options, except with a slightly better rate of return thanks to lowered fees.
The transition to retirement pension is another option available to Australians between the ages of 55 to 59. This allows you to continue working and adding to the super fund, while at the same time using regular payments to help augment your income.Back to top
What you need to know before you join Christian Super
To become a new member of Christian Super, you can either call their offices or fill out an online application. You will first be asked what your personal circumstances are before being directed to the correct application form.
Once you have accessed the online application you will be asked to provide the following:
- Personal details. This will include common information like your name, gender and date of birth. You will also be required to provide an email address so that Christian Super can easily contact you.
- Postal address. You must be able to provide a postal address that is inside of Australia in order to open a superannuation account with Christian Super.
- Tax file number. You are not obligated to provide your tax file number (TFN) but not doing so could mean that your contributions will be taxed at a higher rate. The TFN is also used to help track down any other superannuation accounts held by you that you want to consolidate.
- Type of work. Applicants are asked to select a description that suits their occupation.
After providing all of your details, you will be able to choose the type of investment package for your superannuation and consolidate any other funds.
Once completed and submitted you will receive a confirmation through the provided email with details on how to proceed.
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