Free your pension from fossil fuels.

Now you can draw down on your retirement savings with a fossil fuel free pension

Our Ethical Screens

Future Super does not invest in any fossil fuel companies, or in companies providing significant services or financing to fossil fuel projects.

We also don’t invest in a range of other harmful industries, including detention centres and live animal export. Instead, we look for positive investments such as renewable energy, healthcare and IT.

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Excluded investments

We rule out companies engaged in the following activities, and more.

Fossil Fuels
Fossil Fuels
Gambling
Gambling
Tobacco
Tobacco
Live animal export
Live animal export
Old growth logging
Old growth logging
Environmental destruction
Environmental destruction
Social harm
Social harm
Harmful financing
Harmful financing
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Approved investments

We look for companies who are making a positive impact in the world.

Renewable energy
Renewable energy
Recycling
Recycling
Healthcare & wellbeing
Healthcare & wellbeing
Efficient transport
Efficient transport
Sustainable products
Sustainable products
Community finance
Community finance
Production of healthy foods
Production of healthy foods
Social wellbeing
Social wellbeing

What makes Future Super great

Features and inclusions for every member

Invest clean and green

Invest clean and green

Invest in renewables and help the transition to a clean energy future.

Super quick signup

Super quick signup

Join in under 10 minutes with our easy online form. You’ll need your TFN, driver’s licence, bank details, and current super or pension account number.

Easy account transfer

Easy account transfer

If you’re setting up your first pension account, we’ll help you consolidate all your super accounts first. If you already have a pension account, it’s easy to transfer across.

Choose the right account for you

Receive regular payments

Our Account-Based Pensions provide you with a steady income stream. Choose the payment amount and frequency to suit you.

Expert fund manager

Expert fund manager

Our fund managers, Grosvenor Pirie, are specialist ethical investment managers with over 30 years experience.

Online account access

Online account access

Access your account anytime online. Update details, check contributions and request rollovers all in one easy place.

Join the fossil free movement

Join the fossil free movement

Join thousands of other Australians moving their money out of fossil fuels.

Excellent customer service

Excellent customer service

Speak to a real Future Super staff member - no outsourced call centres or long wait times.

What to expect with your Future Super membership

  • Personal contribution into super fund.

    Accepted via direct debit, cheque or BPAY.

  • Nominate a beneficiary.

  • Balanced Growth investment option.

  • Member portal access.

  • Eligible for government co-contributions.

  • Experienced investment committee decides who we invest in.

  • Speak to a real person every time you call.

    No automated answering machines.

  • Complete transparency via our PDS and Financial Services Guide.

Future Super Dashboard

Future Super pension fund

Your pension will be invested in a balanced-growth option.

Return objective

The fund aims to outperform its benchmark (the Consumer Price Index + 2.5%) over rolling 10 year periods after fees and taxes.

Asset allocation & investment strategy

We aim to invest in a diverse mix of assets with 70% in growth assets (like shares and property) and 30% in defensive assets (like fixed interest and cash).

We target the following asset allocation:

70%

Growth

Australian shares

50%

International shares

20%

30%

Defensive

Fixed interest

25%

Cash

5%

Fees

$93.60
annually
membership fee
That's $1.80 a week.
1.79%
per annum
administration and investment fee
ZERO
performance fees
entry fees
switching fees

Suitability

  • Suits members seeking both growth and income from their retirement savings and a balance between risk and return. 
  • Intended for everyday Australians who want to shift their retirement savings away from activities which are harmful to the environment and society, and instead want to see their super invested in companies which make a positive impact.

High

Standard risk measure

It is estimated that there may be a negative annual return 4 to less than 6 times out of 20 years.

4 - 6 years

Recommended minimum investment timeframe

For detailed information about Future Super please read the Product Disclosure Statement and Financial Services Guide.

Competitive returns

Future Super Pension has shown great returns over the last 1 year^ 

10.5%
Future Super Pension^
4.6%
Benchmark^

^ Returns provided are after fees have been taken out. Past performance is not a reliable indicator of future performance. Benchmark for Pension fund is CPI +2.5% per annum. Returns shown are to 29 June 2018. Inception date is 1 July 2015.

Pension plan option

An Account-Based Pension is a way to access your retirement savings as a regular income stream.

You are eligible to join the Future Super Pension Plan if you meet a Condition of Release. Conditions of Release include reaching your preservation age and permanently retiring, or reaching age 65.

The minimum initial investment is $20,000.

Accessing the funds from your Future Super Pension Plan will depend on whether or not you have met a condition of release. Please read the Pension Plan Product Disclosure Statement or the common questions below for more details on the conditions of release.

It's obvious why people love Future Super 😍

Join thousands of Australians who've moved almost $350 million out of fossil fuels.

Sustainability is a huge part of my life. Making the switch to Future Super was a natural choice.

Victoria
Student

I take divestment seriously. With Future Super, my money works to reduce the impacts of climate change.

Rachel
Natural Resource Manager

I can make my super work for more than just my own benefit.

Maarten
Retiree

Sustainability is a family value, and we all need to participate in the solutions.

Damion
Scientist

Just some of our great investments

Wouldn't it be nice to own a slice of this pie?...

NEXTDC’s data centres are where the cloud lives®. Spread across the country, their data centres serve telcos, government agencies and businesses of all size. Their Melbourne 1 data centre is home to Australia’s largest privately owned rooftop PV solar array, and was the first data centre in the Asia-Pacific to use solar power.

Bank First was born when a group of 48 educators came together with a shared belief.

They had grown disenchanted with the way many Australians were being treated by the big banks and wanted a financial institution that placed a value on what people did for the community – not simply by how much money they made.

Bank First does does not invest in fossil fuels and has no plans to do so.

Tesla’s mission is to accelerate the world’s transition to sustainable transportation. Most famous for its self-driving electric cars, Tesla’s expansion into renewable energy is being led by its Powerwall home battery, solar roof tiles, and recent acquisition of SolarCity.

View the complete list of our current holdings →

Common questions

Some things you might be wanting to know

How does a pension work?

A Future Super pension account allows you to draw a regular income from your retirement savings while investing them in line with your values.

You can choose to get monthly, quarterly, half-yearly or annual payments and you can usually choose how much you receive (within the mandated minimums and maximums outlined in the PDS).

What is an Account-Based Pension?

An Account-Based Pension is a simple, single account for those who have already retired and will no longer be making contributions to their super. You can receive flexible payments (subject to age-based minimums) on a timeline that suits you, and make lump sum withdrawals at any time.

How much do I need to start a pension account?

A pension account needs an initial minimum investment of $20,000. This initial investment can be rolled over from your current super account, pension account or personal bank account. It’s important to remember that you can’t contribute to this once it has been established.

When am I eligible to receive a pension?

Generally, you have met a condition of release for starting a pension when you:

  • Reach age 65
  • Reach age 60 and leave your employer
  • Reach preservation age and retire permanently from the workforce.

What is my preservation age?

Date of birth
Preservation age
Before 1 July 1960
55
1/7/60 - 30/6/61
56
1/7/61 - 30/6/62
57
1/7/62 - 30/6/63
58
1/7/63 - 30/6/64
59
After 30 June 1964
60

Have a question that hasn't been answered yet?

See all our FAQs here →

Join us today

It's as easy as 1, 2, 3

1

Complete our 1 minute join form*

Aside from the basics, you’ll just need your tax file number (TFN) so we can match it up with ATO records.

2

Activate your portal

You'll get an SMS to activate your Future Super member portal and set a password.

3

Rollover

We'll match your record with the ATO and instantly find any old or lost super accounts. You can rollover on the spot. Easy peasy!

*Our pension signup process has a few extra questions, but is still super easy!

Join thousands of Australians who've moved over $300 million out of fossil fuels.

Say goodbye to fossil fuels, and hello to a renewable energy powered future

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We will always respect your privacy. See our Privacy Policy to find out more.

You should read the PDS (or pension PDS), Additional Information BookletFinancial Services Guide and Insurance Guide before making any financial decisions regarding Future Super funds.

It's good to know the fine print

Here are some important documents you should read

You should read the PDS and Additional Information Booklet before making any financial decisions regarding the Future Super super fund.

PDF
PRODUCT DISCLOSURE STATEMENT

Our Product Disclosure Statement (PDS) tells you everything you need to know about your super fund in a standardised format. Every super fund must create a PDS following the government’s guidelines. If you’re trying to compare Future Super to your current fund, this is what you want to read.

Download Product Disclosure Statement

PDF
Additional Information Booklet

Our Additional Information Booklet is exactly that - even more detail for lovers of fine print. Find out everything about making contributions, accessing your super benefits, our insurance op ons and more.

Download Additional Information Booklet

Finally, a super fund you can trust

With your retirement savings and with our planet

Certified Ethical Investment
Certified by RIAA

We are certified by the Responsible Investment Association of Australasia for our responsible investment process for all investment decisions. We help raise the bar of what it means to invest in an ethical way.

Australian Gasfield Free
Gasfield Free

We have been awarded Gold status by the Gasfield Free movement in recognition of our total exclusion of gas and coal seam gas investments. We firmly believe farmers and traditional owners should have the right to refuse mining and gas companies accessing their land.

B Corp Certified Corporation
B Corp Certified

Certified B Corporations are leaders of a global movement of people using business as a force for good™. It means we meet the highest standards of social and environmental performance, transparency and accountability.

Future Super logo
Experts in fund management

Our investment management team have over 30 years experience in the industry. We are experts in superannuation fund management and ethical investment.