Switch your super today!

Your super can light up the life of kids like this.

Switch to Futrue Super and we'll donate $150 to help put solar lights in the hands of kids living in energy poverty.

Switch your super and give 6 kids the gift of light

Your super can be a powerful tool to help you make change. Put your super to work and support SolarBuddy in their efforts to put solar lights into the hands of kids living in energy poverty.

We recently invited some of our members into our office to meet the founders of SolarBuddy. Everyone in the room that night made a light that is now in the hands of a kid who previously lived in darkness after sunset. Watch what we learned that night...

What to expect as a Future Super member

Zero investments in companies involved the fossil fuel industry.

Zero investments in companies involved the fossil fuel industry.

Join the movement that's fast-tracking the transition to  renewables

Join the movement that's fast-tracking the transition to  renewables

Investments in education and recycling

Invest in positive industries like education and renewable energy.

Plus, we will never invest your money in...

Gambling Investment Screen icon
Gambling
Tobacco Investment Screen icon
Tobacco
Weapons Investment Screen icon
Weapons
Live exports Investment Screen icon
Live exports
Human Rights Investment Screen icon
Human rights violations
Agriculture Investment Screen icon
Intensive agriculture

Make sure your super is helping the world, not destroying it.

Most people aren't really aware of what their super is being invested in. But our super is one of our most powerful tools for creating change.

And what's more, by switching, you can help us support the amazing work of programs like SolarBuddy, putting solar lights into the hands of poor kids around the world. For everyone who switches, we'll donate $150 to our friends at SolarBuddy. That's enough to manufacture, build and deliver solar lights to 6 kids living in energy poverty.

For every SolarBuddy participant who joins and switches their super to Future Super as part of this partnership, a $150 donation will be made to that participant's fundraising efforts. Additionally, for every friend they recruit to switch, another $150 will be donated. While Future Super will pay this donation to SolarBuddy if you join, you should not make a decision about whether to invest in the Future Super fund based on this You should read the Product Disclosure Statement and other important documents before making any financial decisions.
For every Solar Buddy participant who joins and switches their super to Future Super as part of this partnership, a ${x} donation will be made to that participant's fundraising efforts. Additionally, for every friend they recruit to switch, another ${x} will be donated. While Future Super will pay this donation to {recipient organisation(s)} if you join, you should not make a decision about whether to invest in the Future Super fund based on this.You should read the Product Disclosure Statement and other important documents before making any financial decisions.

It's obvious why people 😍 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

Invest in renewable energy projects right across Australia

You can help fast-track Australia's transition to renewables!

Future Super Australian Renewable Projects Map
Wind farms
Solar farms
Battery storage

About our options

We have two options for investing in a fairer, brighter, renewables-powered future.

Balanced Growth

Invest in line with the strongest ethical considerations. Your super will be investing in a mix of sustainable, forward-thinking companies, including renewable energy.

Key features:

100% fossil-free

No specific renewables target

70 / 30 mix of growth / defensive assets

1.79% of your balance and $94 p.a.

Asset allocation

Alternatives: 5%

Australian shares: 40%

International shares: 25%

Fixed Interest: 25%

Cash: 5%

Growth

(Renewables+)

Invest in line with the strongest ethical considerations. Your super will be investing in a mix of sustainable, forward thinking companies, with up to 20% of your balance invested directly in renewable energy.

Key features:

100% fossil-free

Target 20% portfolio allocation to renewables

75 / 25 mix of growth / defensive assets

$1.89% of your balance and $94 p.a.

Asset allocation

Alternatives: 10%

Australian shares: 40%

International shares: 25%

Fixed Interest: 20%

Cash: 5%

Our Frequenty Asked Questions

Below you'll find answers to some common questions about superannuation, the Future Super Fund, our pension plan, and divestment from fossil fuels.

Common questions about Future Super

Am able to transfer my Kiwisaver into Future Super?

Yes. Future Super takes part in the Trans-Tasman Portability Scheme. Get in touch with us at info@myfuturesuper.com.au to find out how.

Do you send out member statements?

We do! We send out fully audited statements annually, however if you need one in the meantime, send us an email at info@myfuturesuper.com.au and we’ll do our best to get an interim statement to you within 2-3 business days.

How do I join Future Super?

The easiest way to join Future Super is through our online join form. It takes just a couple of minutes. You can also join over the phone on 1300 658 422 or with a paper application form.

If you would like to start a pension account, you can use the online pension join form, give us a call on 1300 658 422, or use the paper pension application form.

How do I move my current super?

You can request a rollover in the join form (if you’re not yet a member) or by sending in our rollover form. We’ll get in touch with your other fund to transfer your super across, which automatically closes your old account. Rolling over your superannuation from another fund may result in your losing insurance or other benefits linked to your previous fund.

If you only want to transfer part of your savings in another account, simply enter the exact amount to rollover in the space provided on the rollover form. Or you can call us on 1300 658 422 or email info@myfuturesuper.com.au to let us know how much you want transferred.

Can you find my old super accounts?

Yes! We run a SuperMatch search (using your tax file number) with the ATO to find your old accounts. We will run this search while you sign up with us so you can consolidate all your accounts straight away.

Consolidating your super helps you keep track of your retirement savings, and may help in avoiding multiple sets of fees.


How do I get my employer to pay to Future Super?

When you join we’ll send you an email which you can forward to your employer. It will have all the details to help them make payments to your account.

If you’re already a member and have just switched jobs, simply pass on our standard choice form and general compliance certificate, and direct them to our employer hub.

Do you offer insurance?

We offer the following covers: Death only,  Death and Total & Permanent Disability, and Income Protection.

You will be able to sign up for our easy-opt in Death or Death & TPD insurance with just a few simple questions when you sign up online or via your member portal. To apply for Income Protection insurance get in touch with us on 1300 658 422 or at info@myfuturesuper.com.au. If you have existing cover with your current superfund, you may be eligible to transfer this to your future super account, get in touch with us to find out.

See our insurance guide for all the details.

Note: Insurance is not available for pension account holders.

The Fund's trustee, Diversa Trustees Limited, intends to adopt the Insurance in Superannuation Voluntary Code of Practice in principle, upon its commencement on 1 July 2018. Before 31 December 2018 Diversa will publish on its website the transition plan(s) for becoming compliant with the standards of the Code no later than 30 June 2021.

How do I check up on my account?

You can view your account online anytime via the member portal. You can also call 1300 658 422 or email info@myfuturesuper.com.au with any questions.

What is a fossil fuel free super fund?

A fossil fuel free super fund is one that doesn’t invest its members’ money in companies involved in the mining, burning or extraction of fossil fuels.

A fossil fuel free fund also avoids investing in companies that provide significant and specific services to the fossil fuel industry, such as transportation or finance.

We are the first truly fossil fuel free super fund in Australia.

Aside from fossil fuels, what other ethical screens does Future Super have?

We do not invest in companies or activities causing social or environmental harm, including detention centres, live animals exports, tobacco, armaments and more.

Instead, we seek out positive investments in industries like renewable energy, healthcare and IT.

Find out more about our ethical screens.

What investment options does Future Super have?

Future Super has two investment options: Balanced Growth and Growth.

If you’re unsure about whether one of these options is suitable for you, you should seek financial advice.

How do I nominate a beneficiary for my account?

A beneficiary is someone you want to receive the money in your super account when you die. You can make a binding or non-binding nomination. You'll find the relevant forms here:

How do I make personal contributions to top up my account?

You can make extra contributions to your super by completing your online personal contribution form available in your member portal and then making payment via direct transfer or BPay. Your personal payment details (like your BPay reference number) will be provided to you as you complete the form.

My employer is having trouble contributing to Future Super. What can I do?

If your employer is having any troubles contributing to Future Super, they can get in touch with us directly.

Just pass on our contact details: 1300 658 422 or info@myfuturesuper.com.au.

I'm self-employed. How do I make contributions?

To contribute to your super as a self-employed person, simply complete the online Personal Contributions form available in your member portal.

To claim these contributions for tax purposes, you need to complete the notice of intent to claim or vary a deduction for personal super contributions form. You'll need to do this once per financial year for all the contributions during that financial year.

You have one year from the end of the relevant financial year within which to submit your notice of intent.


Does Future Super allow salary sacrifice contributions?

Yes. You need to organise salary sacrifice contributions directly with your employer. They will pay your salary sacrifice when they make your regular super guarantee contributions.

Super simple information about superannuation

What is superannuation?

Superannuation is a compulsory government scheme to help you save for retirement. Your employer makes contributions and you can contribute to it yourself if you like. This money is then invested on your behalf by your super fund.

One of the benefits of super is that it is designed to be a tax effective way to save for your retirement, with contributions and investment earnings in your super fund taxed at a lower rate than your normal earnings. You can access the money in your super fund when you reach your preservation age, which is usually the age at which you retire from working.

When can I access my super?

Super is intended to fund your retirement, so you can generally only access it once you have retired from working and have met a condition of release. To satisfy a condition of release you will need to meet one of the following:

  • Reach 'preservation age' and retire permanently from the workforce
  • Leave your employer after turning 60
  • Be 65 or older

Find out when you can access your super using Money Smart’s super and pension age calculator.

You can only access your super before retirement through these special conditions.

Super is an investment

The money in your super account is invested on your behalf, so it is important to make sure the way it is invested aligns with your values and long term goals.

Some things to consider are: Does your super invest in things that go against your values? Is your fund transparent about where your investments are held? Is the risk profile suitable for your needs? (Remember super is a long term investment. The money in your account may be invested for 30 years or more).

Employer contributions & tax

For people who earn more than $450 per month, their employer will make payments to their super account which is equal to 9.5% of their salary.

Many people have multiple accounts, so it is important to tell your employer about your Future Super account if you want their contributions to be invested with us on your behalf.

Some employers pay more than the minimum 9.5%, but its not allowable for employers to pay less than this. These payments will be shown on your payslip, but most employers only transfer this money to your super fund every 3 months.

Contributions made by your employer (including salary sacrifice) are taxed at 15% (which is lower than the rate for normal earnings).

Any personal contributions you make with your after-tax income are not taxed again in your super account if they are under the non-concessional contributions cap. This is to encourage you to save more for the future.

Find out more about contributions caps here.

Can I choose my super fund?

Most people have the option of choosing their own super fund. All you need to do is provide your employer with the details of your preferred super fund.

If you don’t specify a super fund, your employer will create an account for you with their default super fund. A small number of Australians are not eligible to choose their super fund, due to Enterprise Agreements with industry funds.

You will need to speak to your employer to find out if this is your situation - we have seen some instances where employers will allow you to use a Future Super fund even if they don’t generally allow choice.

Annual rollover program - for members who don't have choice

If your employer does not give you a choice, we run an Annual Rollover Program. Our staff will help you to roll over the portion of your savings that aren’t required to be with your employer’s choice of fund. This ensures that as much as possible of your retirement savings are invested in a manner that matches your values.

To find out if you’re eligible for your for this program, get in touch with us.  This program is not available for people in defined benefit schemes and may affect insurance policies held with mandatory funds.


Common questions about Future Super's Pension Fund

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).

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.

When am I eligible to receive a pension?

Generally, you have met a condition of release for starting a pension when you meet one of the following:

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

How do I check up on my account?

You can view your account online anytime via the member portal. You can also call 1300 658 422 or email info@myfuturesuper.com.au with any enquiries, and we’ll do our best to respond within 2-3 business days.

What's 'Divestment' all about?

What is divestment?

Most simply, divestment is the opposite of investment. It is the process of selling off stocks, bonds or other investments for either moral or financial reasons.

What is fossil fuel divestment?

Fossil fuel divestment is the process of selling off shares in fossil fuel companies - companies that mine, burn or extract fossil fuels. Future Super also includes companies that finance or service the fossil fuel industry, such as Australia’s big four banks.

The fossil fuel divestment movement is a social movement dedicated to removing the social licence of the fossil fuel industry by moving as much money out of fossil fuel companies as possible.

As well as individuals divesting their personal finances, many different organisations have also committed to divest. These include universities, churches, city councils, philanthropic organisations, insurance companies, and huge sovereign wealth funds.

Find out more about the fossil free movement here at Go Fossil Free.

Why should I take my money out of harmful industries?

In the words of Bill McKibben, environmentalist and founder of 350.org, “if it’s wrong to wreck the planet, it’s wrong to profit from the wreckage”.

If that’s not enough, divestment is also a really powerful way to influence the big end of town. Money talks when money walks and by moving our money out of fossil fuels, we’re standing up to the fossil fuel industry and to a government that’s getting pretty cosy with coal. Through divestment we’re removing the social licence of the fossil fuel industry, and their huge political influence.


How do I divest? What's the process?

To divest your personal finances, such as your superannuation or banking, simply open an account with your chosen fossil free fund and transfer your savings across. When you close your old account, don’t forget to tell them why you left! Remember while your super balance might not seem significant, Australia has over $2 trillion in super, so together we can make big change!

Start the switch to Future Super here. In only a few minutes you’ll be fossil fuel free.

How do I find out what my current super fund invests in?

To find out what your super fund’s exposure to fossil fuel investments is, look them up on SuperSwitch. SuperSwitch is an independent resource by non-profit group Market Forces to help Australians find out how their super is fuelling climate change.

To find out about your fund’s investments in other industries, it’s best to contact them directly.


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!
Switch your super in 2 minutes →

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