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Enjoy peace of mind. 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 is Australia’s first fossil fuel free super fund. It’s easy to join and takes only a few minutes online.

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.

Icon cross

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
See our full list of ethical screens →

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.

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.

Return objective

The fund aims to outperform its benchmark (the Consumer Price Index + 2.75%) over rolling 6 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

55%

International shares

15%

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

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

Fund returns

How we compare to the benchmark. Returns shown to 31 March 2017.

Returns shown for Future Super are after fees and taxes. Inception date is 10 June 2015. Past performance is not a reliable indicator of future performance. For detailed information about Future Super please read the Product Disclosure Statement and Financial Services Guide. The benchmark is CPI +2.75% per annum.

Competitive Returns

Responsible investment funds have outperformed over the last 5 years^ 

8.2%
Average Responsible Investment Fund ^
7.5%
Multi-Sector Growth Fund Average ^

^ Source: Responsible Investment Association Australiasia, Responsible Investment Benchmark Report 2016 Australia. Per Annum returns for 5 year period to 30 June 2016, Multi-Sector Growth Funds. Past performance is not an indicator of future performance.

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.

What our customers say

They love being able to change the world in meaningful ways.

I can make my super work for more than just my own benefit.
Maarten
64
Retiree
Maarten
For our future and our planet, investing in fossil fuels is a risk we're not willing to take.
Barbara & Mei
60 & 25
Retiree (Barbara), Artist (Mei)
Barbara & Mei
I made the switch to support my children and the world I want them to live in.
Sarah
51
Former Journalist, ABC
Sarah

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.

Teachers Mutual Bank is one of Australia’s largest mutual banks, serving teachers, the education sector and their families. They fund a range of education scholarships, and was voted one of the world’s Most Ethical Companies in 2014 and 2015. They are strongly committed to being fossil fuel free, with a strict policy against financing large-scale greenhouse gas pollution.

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. Choose between monthly, quarterly, half-yearly or annual payments and how much you want to receive (within a set range 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.

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

Start with the form below

Let’s start with your name, email and phone number. These details will auto-populate into the next part of the form.

2

Just a few more details*

You’ll need to find your tax file number (TFN) so we can match it up with ATO records. If you have other accounts to transfer, request these too.

3

Hit submit!

You’ll receive your member number straight away. Login to your member portal to view your account online, and check your inbox for an email to pass on to your employer.

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

Sign up now

Join over 7,000 Australians who've cleaned up their super in under 2 minutes.

Seriously. It's that quick. No paper forms. No signatures. No certified copies. Just you, your keyboard and the time it takes to cross the street.

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.

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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 Booklet 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

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.

Our fund managers, Grosvenor Pirie, have over 30 years experience in keeping Australian workers' investments safe and performing. They are experts in superannuation fund management.

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.

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.

See our accreditations, certifications & partnerships →