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
9 of 9 results
Compare other products
We currently don't have that product, but here are others to consider:
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 March 2026
Finder 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.
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.
Sources
More resources on Finder
Ask a question
42 Responses
More guides on Finder
-
The Super Helpful Retirement Hub
SPONSORED: With MySuper Lifecycle, Aware Super offers an investment approach that automatically adjusts your investment mix to your age over time.
-
Retirement statistics for 2023
Retirement statistics: 27% of Australians are not sure if they have enough to retire.
-
Superannuation calculator
Use our free superannuation calculator to see your projected retirement balance, and how this could change by switching funds.
-
Compound growth: What is it and how does it grow your super?
Compound growth allows your super returns to be reinvested and generate their own returns, helping your balance grow much faster over time. Here's how it works.
-
TelstraSuper Review | Performance, features and fees
Read our review of TelstraSuper to learn more about TelstraSuper's performance, fees and wide selection of investment choices.
-
Worst Super Funds
Here’s a current list of the worst-performing super funds in Australia and steps for how to switch to a better fund.
-
Child Care Super | Performance, features and fees
Child Care Super is a super fund designed for women, open for all Australians to join.
-
Best Super Funds Australia
We've analysed Australian super funds to find the best-performing super funds, the best industry super funds and the best super fund for low fees. Find the right super fund for you.
-
Virgin Money Super: Performance, features and fees
With competitive fees, eight investment options and tailored super advice at no extra cost, Virgin Money Super can help you enjoy a comfortable retirement.
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