Financial advice

We work with you to protect your future and we’re committed to providing you with access to information and advice you may need, in a way you can understand.

Select Topic

Types of advice

General advice

Limited advice

Comprehensive advice

Education

Events

Book an appointment

Financial advice for everyone, at any time in life

Advice should be provided in a simple uncomplicated way, that you can understand. It should help you to get a clear picture of your own financial situation and needs and help set your goals.

And on top of that, you need to be confident you’ll receive advice that’s trustworthy and reliable so you can make the right decisions today for the future you want. We offer three main advice types, both free and paid.

If you are unsure about what type of advice you need after reading the descriptions below, call us on 1300 300 820. Or if you’re ready and know what you are after, book an appointment by selecting the button below..

Download the tailored advice guide for an overview of the different advice services that are available to you.
General-LBlue

Simple super advice

Covers broader aspects of superannuation without focusing on your individual circumstances. This includes information about superannuation products, features of Vision Super’s offerings, benefits of superannuation, and how superannuation works in general. It’s important to understand that this type of advice doesn’t take into account your personal objectives, financial situation, or needs.  

General advice examples

  • Account information
  • Super consolidation guidance
  • Insurance options information
  • How to use the Vision Online website
Limited-DBlue

Limited advice

Typically focuses on specific aspects of your superannuation, providing guidance without delving into personalized financial advice. Information as well as guidance without  It includes advice on investment choice, contributions (including salary sacrifice), insurance within super, and pre-retirement planning. This service is designed to assist you in making informed decisions about these aspects of your super. It’s important to note that limited advice is not tailored to your personal financial situation and should not be the sole basis for making financial decisions.

Limited advice examples

  • Assessing super benefits 
  • Makng contributions
Personal-LBlue

Personal financial advice

Personal Advice service is tailored to your individual financial situation, objectives, and needs. This type of advice takes a comprehensive look at your personal circumstances and provides specific recommendations and strategies to help you achieve your financial goals. Personal Advice can cover a wide range of financial planning areas, including Superannuation strategies, Retirement planning and investment advice. Personal Advice is provided by qualified financial planners who consider all aspects of your financial life.

Personal advice examples

  • Account information
  • Super consolidation guidance
  • Insurance options information

Frequently Asked Questions

We’re required to have Target Market Determinations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019.

This is to make sure we’re keeping members at the centre of our approach to the design and distribution of our financial products.

This legislation requires financial services product issuers to design products that are appropriate for the consumers in the target market and consistent with their objectives, financial situation, and needs.

A Target Market Determination is a document which describes who a product is appropriate for (target market), and any conditions around how the product can be distributed to customers. 

It also describes the events or circumstances where we may need to review the Target Market Determination for a financial product.

It depends how your details have been changed. The most common request is changing a surname due to marriage, which you can do with a certified copy of your marriage certificate, and a Vision Super “Change of Personal Details form” found here: view form

If you have changed your name another way, we recommend you contact us first on 1300 300 820 so we can outline what documents we need to change your details without issue.

If you want to change your address, you can do this by logging onto the secure member portal online, or calling our Member Services team on 1300 300 820.

You can check your balance 24/7 via Vision Online, our secure member secure site, or via the Vision Super app for mobile devices. You can also contact our Member Services on 1300 300 820 or by emailing us on [email protected]

Here’s how it works. You may be able to receive a tax-free contribution from the Government when you make a non-concessional (after-tax) contribution to your super account.  The maximum entitlement that can be received is $500 where your total income is $41,112 or less in the 2021/22 year. This reduces on a sliding scale and cuts out if your total income is above $56,112 in the 2021/22 year.

This is, of course, provided you satisfy work, income and age tests.

Please note that the income threshold test for the co-contribution is your total income, which is calculated as follows:

Total income (assessable income + reportable fringe benefits + reportable employer super contributions – allowable business deductions).

In very basic terms, ‘salary sacrificing’, or ‘salary packaging’ means using some of your before-tax salary to pay for something. In superannuation terms, it is usually an arrangement between you and your employer to contribute some of your before-tax salary into your superannuation account.

In the 2021/2022 financial year, the maximum that can be contributed as before-tax payments is $27,500, this includes your employer SG payments of 10%.

Please note that any after-tax contributions made, where you obtain a tax deduction, are included in this contribution limit.

Financial advice

We work with you to protect your future and we’re committed to providing you with access to information and advice you may need, in a way you can understand.

Select Topic

For more detail about beneficiaries and how to nominate them, read our beneficiaries fact sheet

To make a binding nomination or to change or update your existing nomination, download the form here and print it out, fill it out and sign it. Two other people over the age of 18 who are not your beneficiaries have to watch you sign and then sign the form as witnesses. You can then post it to us.

For more detail about beneficiaries and how to nominate them, read our beneficiaries fact sheet

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Publications

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Second important title

Reports

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Need some Super now?

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Pull Quote 1 - The gap has serious implications for women, particularly the likelihood of sole reliance on the Age Pension and subsequently, an acute vulnerability to poverty in retirement.

- Elizabeth Broderick, Sex Discrimination Commissioner

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Information Card

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Information Card

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Information Card

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Standard CTA Block

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Need advice?​

Make an appointment with a Vision Super Financial Planner who will provide information and advice about your super or pension. Bookings can also be made by calling 1300 300 820.

Are you on track?​

To help work out how much you’ll need to live your dream retirement try our super modeller. It’s a great way to make sure you’re on track to reach your goals.

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here is the Lollipop pastry muffin apple cookie orange. Sugar candy croissant candy tiramisu vanilla. Cake cookie donut vanilla pastry biscuit. Croissant cake sprinkles sprinkles pastry sprinkles.

Lollipop pastry muffin apple cookie orange. Sugar candy croissant candy tiramisu vanilla. Cake cookie donut vanilla pastry biscuit. Croissant cake sprinkles sprinkles pastry sprinkles.
Lollipop pastry muffin apple cookie orange. Sugar candy croissant candy tiramisu vanilla. Cake cookie donut vanilla pastry biscuit. Croissant cake sprinkles sprinkles pastry sprinkles.

Frequently Asked Questions

We’re required to have Target Market Determinations under the Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019.

This is to make sure we’re keeping members at the centre of our approach to the design and distribution of our financial products.

This legislation requires financial services product issuers to design products that are appropriate for the consumers in the target market and consistent with their objectives, financial situation, and needs.

A Target Market Determination is a document which describes who a product is appropriate for (target market), and any conditions around how the product can be distributed to customers. 

It also describes the events or circumstances where we may need to review the Target Market Determination for a financial product.

It depends how your details have been changed. The most common request is changing a surname due to marriage, which you can do with a certified copy of your marriage certificate, and a Vision Super “Change of Personal Details form” found here: view form

If you have changed your name another way, we recommend you contact us first on 1300 300 820 so we can outline what documents we need to change your details without issue.

If you want to change your address, you can do this by logging onto the secure member portal online, or calling our Member Services team on 1300 300 820.

You can check your balance 24/7 via Vision Online, our secure member secure site, or via the Vision Super app for mobile devices. You can also contact our Member Services on 1300 300 820 or by emailing us on [email protected]

Here’s how it works. You may be able to receive a tax-free contribution from the Government when you make a non-concessional (after-tax) contribution to your super account.  The maximum entitlement that can be received is $500 where your total income is $41,112 or less in the 2021/22 year. This reduces on a sliding scale and cuts out if your total income is above $56,112 in the 2021/22 year.

This is, of course, provided you satisfy work, income and age tests.

Please note that the income threshold test for the co-contribution is your total income, which is calculated as follows:

Total income (assessable income + reportable fringe benefits + reportable employer super contributions – allowable business deductions).

In very basic terms, ‘salary sacrificing’, or ‘salary packaging’ means using some of your before-tax salary to pay for something. In superannuation terms, it is usually an arrangement between you and your employer to contribute some of your before-tax salary into your superannuation account.

In the 2021/2022 financial year, the maximum that can be contributed as before-tax payments is $27,500, this includes your employer SG payments of 10%.

Please note that any after-tax contributions made, where you obtain a tax deduction, are included in this contribution limit.