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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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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Hi there,
I’ve been thinking of moving my super over to ING (I’m an existing ING customer), particularly as I’ve just noticed my super investments are going backwards FYTD.
Can you give me an indication of Living Super performance for the current financial year, particularly in the ‘Smart’ and ‘Select’ investment option categories?
Much appreciated,
Pete.
Hi Pete,
Thanks for your question.
You can review the performance of Living Super on ING’s website. I’ve emailed you a link to the relevant page.
Hope this will help.
Thanks,
Elizabeth
Hi, I’m looking to transfer super from the UK and need a super fund that is “QROPS” certified – i.e. approved by UK Tax authority. Can you confirm whether the ING Direct Living Super is approved please?
Hi Stewart,
Thanks for your question.
Unfortunately the ING Direct Super isn’t QROPS approved. I’ve emailed you a document that lists all QROPS approved institutions in Australia, hope this helps.
Cheers,
Shirley
please send me information on the share trading option within the super account.
Which trading firm are the trades done by?
Thank you
Hi Jodi,
Thanks for your question.
I’ve emailed you some information regarding the ING Direct Living Super – share trade option. Please note that the PDS includes all four options.
The share trade broker is Core Equity Services, a divisions of Commonwealth Bank.
Cheers,
Shirley
Hi,
If we wish to use the trade shares option for 50% of the portfolio, can we also trade ETF’s and LIC and if so do these become part of the 50% limit?
Thanks Denise
Hi Denise,
Thanks for your question.
Please refer to page 4 of the PDS that I’ve emailed you – it lists ING Direct’s target asset allocation and limits. The thresholds are different according to which version you opt for.
Cheers,
Shirley
I have 5 or 6 years to go till retirement but have no super, my wife and I would like to open a joint super fund or a separate 1 each, so we can both invest till retirement, is there a minimum to start off the fund we are both self employed but would like to get something even a small amount locked away for retirement
Hi Ted,
Thanks for your question.
The minimum opening amount depends on which product you’d like to opt for. For example, on the ING site it states that “the Cash Hub must hold a minimum of $500 or 1% of your account balance (whichever is greater and capped at $10,000) plus an additional amount equal to the insurance premiums and pension payments (if applicable) due to be paid in the following two months”.
Terms deposits also require a minimum opening amount of $1,000.
Please us know if you have anymore questions.
Cheers,
Shirley