Choose to combine your super. Choose one fund, and make it a good one. Search for your lost and other super and combine it into your Sunsuper account using our instant rollover tool. Show me. Planning your retirement How much super will I need? When can I retire? Getting ready to retire Withdraw your super When can I withdraw my super? Our Income accounts Transition to retirement income account Retirement income account Retirement bonus.
Choose your best retirement. Is it time to take charge? Find out more. Investment options Lifecycle Investment Strategy default option Your investment options Choose your own investment strategy. Investment performance Compare performance Unit price graph Investment reports. Responsible investing Socially conscious balanced option Responsible Investment Report. Fees Investment fees and costs.
Helpful links Sunsuper for life Investment guide Identify your investor needs. Test your inner investor. Insurance options Expand. Your account Expand. Online Advice Super Expand. Profile Expand. Security and Authorities Employer Personal details Beneficiaries. Super and retirement planning calculators Retirement planning Insurance Maximise your super Savings Investing. Forms Expand. All Forms for claims, withdrawals, and transfers out Forms for deposits, contributions and transfers in Insurance forms Investments Transfers Other forms.
Publications Expand. News Hub Expand. Category Expand. Contact us Expand. Looking for a low fee super fund Paying low fees now could mean more money for you later. Why choose a low fee super fund? Compare our fees. Low superannuation fees with QSuper Keeping fees low makes a big difference.
Profit for members We don't have shareholders. Everything we do is to benefit our members. Join QSuper today. How low fees help your balance Fees and costs can have a substantial impact on your super over the course of your working life. No unnecessary charges We believe in keeping things simple and protecting your super from unnecessary charges. Annual fee cap We also cap our annual administration fees, so more money can go towards your retirement savings.
Is a low cost super fund worth it? Ready to enjoy low fees? Open account. Footnotes Show content 1. Our products Why QSuper? Contact us Mon-Fri 8. But she says Australians have the power to change their fund anytime if it's not delivering. Really have a look and see if there's anything better out there.
Ten years ago Ms Ferris consolidated her funds into one account and now pays closer attention to her fund's performance. We acknowledge Aboriginal and Torres Strait Islander peoples as the First Australians and Traditional Custodians of the lands where we live, learn, and work. She's had several casual jobs and with them, five super accounts. She says every cent that went into them got eaten away by fees.
It is 1 per cent of your total assets in fees, each and every year. Here are the big companies making workers pay for their own super rise. The rise to 12 per cent super survived budget , but there were many small tweaks to retirement savings.
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This is why. Yes, you can transfer money from overseas into your superannuation account — under certain conditions. First, you must provide your tax file number to your fund. Second, if you are aged between 65 and 74, you must have worked at least 40 hours within 30 consecutive days in a financial year.
Money transferred from overseas will generally count to both your concessional contributions limit and your non-concessional contributions limit. You will have to pay income tax on the applicable fund earnings component of any money transferred from overseas.
You might also be liable for excess contributions tax. How can I withdraw my superannuation? Two rules apply if you choose to receive an account-based pension also known as an income stream :. What happens if my employer falls behind on my superannuation payments? You can report your employer with this online tool. How do you calculate superannuation from a total package? Superannuation is calculated at the rate of 9.
For most people, ordinary-time earnings are their gross annual salary or wages. This would be paid on top of your salary. As the Australian Taxation Office explains , some items are excluded from ordinary-time earnings.
They include:. Although the superannuation guarantee is currently at 9. What age can I withdraw my superannuation? The preservation age is based on date of birth. Here are the six different categories:. Georgia Brown. Personal Finance Editor.
Before venturing into the world of personal finance, she worked as a reporter for realestate. She now works truly amongst personal finance, while also writing about other areas, such as sustainable finance and super. On this page. Compare super funds by lowest fees One of the ways to compare super funds is via the fees charged.
Updated on October 22 Georgia Brown Personal Finance Editor. One of the lowest fees in the market. SuperRatings awards.
Past 5-year return. FYTD return. Calc fees on 50k. Term deposits. Go to site. More details. Virgin Money Super. QSuper Lifetime.
YourChoice Super. More info.
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