There’s no one ‘right’ way to retire and whatever retirement looks like for you, you’ve earned the right to do the things you love. And if you’re still a way from retirement, now’s the time to start thinking about what you want, and work towards it.
You have options when it comes to saving into your super and drawing from it on retirement. Find out which of our retirement products is most suited to you.
When you join Vision Super, we become a partner with you, working together help you secure your future. We work to get you the information you need, in a way you can understand.
How much is enough is different for everyone. It really depends on your financial circumstances and what you want to get out of retirement.
Our Non-commutable account based pension lets you access money from your super fund while continuing to work part time.
Convert your super into a flexible, low-cost, regular, tax-effective income stream.
Our Three Bucket Pension will remove some of the worry about how your pension is invested.
We know it’s hard to picture what you might need for retirement, especially if it’s still far away, but it’s possible!
The future lifestyle calculator will show you what your future retirement could look like, and some small lifestyle changes you could make now to get there.
Extremely pleased with the professional and personable and relevant and realistic approach by all my advisers. I feel more confident about my future in terms of how to handle my investment and I have gained a deeper understanding
Vision Super staff has been very helpful, contacting me when we had appointments on time, explaining the answers to my questions clearly so I understood.
I feel very comfortable with Vision Super and believe I will achieve a good outcome in retirement.
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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.
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.
If you’re contributing by BPAY, it can take Vision Super up to two business days to receive your contribution, then up to three business days to process, although most are done the same day they are received. This will depend upon your financial institution’s processing times.
If you’re contributing by cheque, you will need to allow enough time for your chosen postage method to reach us. Once it has arrived, it can take up to five working days to process.
We can also process contributions by EFT, however, this may take up to three business days.
Best Doctors can help you if you are dealing with an illness, or a chronic or serious condition.
Through your insurance, you and your family get access to Best Doctors which connects you with a network of 50,000 leading medical specialists from around the world. It offers a second opinion when you need it most, to make sure you received the right diagnosis and are on the best treatment plan. You can use Best Doctors at anytime, anywhere, as often as you need for no extra cost, and it’s completely confidential.
The great news is you can now open your pension account online through the secure site.
You’ll just need to open a Vision Personal account first and then you can transfer across to a Vision Super pension.