ING Living Super: Performance, features and fees

ING Living Super investment options

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	Growth: 30% Defensive: 70%
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: 50% Defensive: 50%
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	Growth: 75% Defensive: 25%
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	Growth: 95% Defensive: 5%
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	Growth: 98% Defensive: 2%

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

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

DISCLAIMER: This article may contain general advice. You should consider your own personal circumstances before deciding if a superannuation product is right for you. Superannuation is a long term investment and past performance is not indicative of future performance.