ING Living Super: Performance, features and fees
ING Living Super Offers 5 diversified investment options with low fees.
ING Living Super investment options
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How we picked theseFinder Score for super funds
Finder Score makes comparing superannuation products easier by scoring products out of 10 after assessing their performance, fees and features.
We assess products from over 40 providers based on their risk profile.
The information in this table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, Australian Financial Services Licence No. 421445. In limited instances, where data is not available from SuperRatings for a product, the data is provided directly by the superannuation fund.
*Past performance data and fee data is for the period ending September 2025
Key features of ING Living Super
ING Living Super provides several important benefits and features for members:
- Tailored investments. With ING Living Super, you can tailor an investment mix to suit your financial goals and life stage. You can choose from managed investments or a range of single sector investments.
- Real-time share trading. ING Living Super members can trade shares in real-time online. You can choose from the S&P/ASX 300 index, selected ETFs and listed investment companies.
- Cash Hub. When you open an account, a Cash Hub is automatically established for you. This interest-bearing account is designed to receive income, pay expenses and manage all other transactions for your linked Living Super account.
- Mobile access. You can check your Living Super balance alongside the balances of all your other ING accounts quickly and easily from your smartphone.
- Online access. It's also simple to manage your account online, allowing you to switch investments, trade shares and ETFs, and adjust your level of insurance.
- 24/7 support. ING offers customer support through its contact centre between 9am and 5pm (AEST/AEDT) Monday to Friday.
Investment options
Option 1: Pre-mixed managed portfolios
You can choose from 5 multi-sector managed investment options. You can choose to invest entirely in one option, or a mix of options.
| Investment Option | Risk level | Asset allocation range |
|---|---|---|
| Conservative This option is designed for members who seek exposure to mainly defensive assets and can tolerate a moderate level of risk over the medium term. It invests across most asset classes, and the recommended minimum investment timeframe is 4 years. | Medium |
|
| Moderate This option is designed for members who seek exposure to a combination of growth and defensive assets, and can tolerate a medium to high level of risk over the long term. It invests across most asset classes, and the recommended minimum investment timeframe is 6 years. | Medium to High |
|
| Growth This option is designed for members who seek exposure to mainly growth assets, and can tolerate a high level of risk over the long term. It invests across most asset classes, and the recommended minimum investment timeframe is 8 years. | High |
|
| High Growth This option is designed for members who seek exposure to mainly growth assets, and can tolerate a high level of risk over the long term. It has more exposure tog rowth assets than the Growth option. It invests across most asset classes, and the recommended minimum investment timeframe is 10 years. | High |
|
| Diversified Shares This option is designed for members who seek exposure to Australian and international listed companies with a mix of index and active management. The recommended minimum investment timeframe is 10 years. | High |
|
Option 2: Single sector managed options
If you choose this investment category, you can then access a wide range of single sector investment options:
- Cash Option
- International Shares
- Australian Shares
- Australian Listed Property
- International Fixed Interest (hedged)
- Australian Fixed Interest
You can design your own portfolio mix by choosing from one or several of these single sector options.
Option 3: Listed securities
- Individual securities within the S&P/ASX 300 index
- 14 listed investment companies
- 140+ exchange traded funds (ETF)
What insurance cover is available?
ING Living Super comes with three levels of insurance:
- Automatic cover. A pre-approved level of death and Total and Permanent Disability (TPD) cover is issued when you open an account. You can cancel or upgrade this insurance plan anytime.
- Tailored cover. If you would like a tailored insurance policy to suit you, you may want to consider this cover. You can choose between death, TPD or both.
- Income protection. This is added protection to insure a portion of your income in case you can't work for a period of time due to illness or injury.
Pros and Cons
Pros
- Flexible. With a wide range of investment options to choose from, you can tailor your Living Super account to suit your needs.
- Easy online access. You can easily log into your account online or via mobile 24/7, making it simple and convenient to manage your super.
- Low fees. ING Living Super's fees are lower than many other major super funds int he market.
Cons
- No ethical option. There is no ethical or sustainable investment option available with Living Super.
- Less investment choice. ING Living Super offers a bit less investment choice compared to some other funds, and doesn't offer an age-based lifecycle product.
How do I apply?
You can sign up for an ING Living Super account in two ways:
- Online. You can fill out an online application form within minutes.
- Over the phone. You can phone Living Super at 133 464 9am-5pm, Monday to Friday (AEST/AEDT).
To open an account you will need to:
- Be an Australian resident
- Be aged 13 or over
- Have your Tax File Number (TFN) handy
- Choose your investment and insurance options
Sources
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I wish to invest my super and get a monthly return. What is the best way to do this. I am 4 months away from retirement at age 67 years
Hi Mark,
An account based pension allows you to keep the majority of your super balance invested, and receive a regular income for you to access / spend in retirement. These are offered by most major super funds. I’d suggest speaking with your current fund about yor options for setting up an income stream when you retire, or speaking with a financial advisor for more personal, tailored advice.
Thanks,
Alison
Is it possible to transfer shares held in a personal account into a living super instead of cash .
Hi Goldfish,
Thanks for your question.
If you are looking at share trading within Living Super you would not be able to transfer (in specie) directly to your Living Super account any shares held externally. The shares would need to be sold and converted to cash and then deposited into super.
Please be mindful of contribution caps when depositing to super. The concessional cap for 2015/16 is $30,000. For those aged 49 or over before the start of the financial year the concessional cap is increased to $35,000. Anything over this amount effective 3/5/2016 there is lifetime cap $500,000.00 for non-concessional contributions.
Hope this helps.
I am an Australian living overseas and may return next year and am interested in consolidating my super with ing. It says only Australian residents and wanted to check your definition of this!
thanks
Hi Damien,
Thanks for your question.
An Australian resident is a person who is living in Australia and is either: an Australian citizen, a permanent visa holder, or a protected Special Category Visa (SCV) holder.
Hope this helps,
Shirley
Id like to roll my funds across to Australian Super please.
Hi Stephen,
Thank you for your comment.
You have come through to finder.com.au, a financial comparison website, not ING, please click on one of the “Open” buttons above to be taken to the ING website where you will be able to contact ING directly and discuss your needs with them.
Regards
Jodie
I have 3 super funds each with existing life insurance products (life, TPD & income protection), can I roll them in to the ING product and keep the total existing level of cover in the combined accounts.
Hi Michael,
Thanks for your enquiry.
It may be possible for you to request a transfer and roll your existing super funds into the ING Direct Living Super account.
You’ll need to download a transfer form on the ING Direct website and provide your most recent statements of insurance (within the past 12 months).
Please note that there is a maximum of $20 000 for income protection and $2 million for death and TPD.
If you have any further enquiries about the transfer, please contact ING Direct.
Thanks,
Belinda