ING Living Super: Performance, features and fees
ING Living Super Offers 5 multi-sector investment options and a range of single-sector managed investment options.
ING Living Super investment options
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How we picked these
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 2026
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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.
- 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.
- Customer support. ING offers customer support through its contact centre between 9am and 5pm (AEST/AEDT) Monday to Friday.
Investment options
You can choose to invest entirely in one option, or a mix of options.
Option 1: Multi-sector managed investment options
You can choose from 5 multi-sector managed investment 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 to growth 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 investment options
If you choose this investment option you can access a wide range of single sector managed 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 investment options.
Option 3: Listed securities
- Individual securities within the S&P/ASX 300 index
- 100+ listed investment companies (LICs) and exchange traded funds (ETFs)
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. Track your balance online and manage your investments online via desktop or tablet.
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?
- Online. You can fill out an online application form within minutes.
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
Who is the trustee of Living Super?
Diversa Trustees Limited is the Trustee of Living Super, a sub-plan of OneSuper and the issuer of interests in the Fund. ING is a business name of ING Bank (Australia) Limited and is the sponsor of Living Super.
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PLEASE ADVISE WHETHER UK PENSION TRANSFERS ARE PERMITTED INTO THE ING DIRECT LIVING SUPER (ETFs. I NOTICED THAT ING CORPORATE SUPER APPEARS TO BE ON THE LIST BUT NOT ING DIRECT L.S. ?
THANKS
Hi Julie,
Thanks for your question.
Unfortunately the ING Direct Living Super account is unable to accept transfers from UK pension funds at this time.
Cheers,
Shirley
Are you planning to become registered such that we can transfer UK Pension funds to ING?
Hi Grant,
Thanks for your question.
Please note that finder.com.au is an online comparison service and does not represent ING Direct. For a more accurate response, please speak to ING Direct.
Cheers,
Shirley
Hi, I just transfer my super fund to ING DIRECT. Can I have some advice on how to manage and invest my super fund, especially the smart and select option?
Thanks
Hi Kelly,
Thanks for your question.
Please note that finder.com.au is an online comparison and information service and does not represent ING Direct. This enquiry is best directed to a member of the customer service team at ING Direct, they will able to offer more assistance with this.
Cheers,
Shirley
Hi – I have super with ING. How can i see how it compares to other super funds? Does finder do this? Is ING the only super fund with no fees?
Hi Angela,
Thanks for your question.
You can refer to our comparison of super funds as well as useful details on the types of super funds and the different investment options available.
Cheers,
Shirley
Hi.
I’m thinking about transferring my super to ING.
I may be permanently moving overseas in 5 years & Just wanting to confirm I can withdrawl all savings in my super account at no cost or charge, penalty etc.
Regards,
Grant
Can you give me an idea of the performance of the ING Smart Superannuation for the past year.
Thanks,
John
Hi John,
Thanks for your question.
You can see the investment performance for the Living Super at different time periods by checking useful tips on ING.
Hope this helps,
Shirley
Hi Grant,
Thanks for your question.
There is no charge or penalty to withdraw your super from the Living Super. Please note that there are a number of requirements you’ll need to meet if you intend on accessing your super early.
Cheers,
Shirley
How much super do i have
Hi Vinh,
Thanks for your question.
You’ve come through to finder.com.au, an online comparison service. Please get in touch with ING Direct directly to enquire about how much super you have.
Cheers,
Shirley