Financial advice

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

Advice that can make you feel confident

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.

Good advice should help you stay on track, weathering any events or challenges that may crop up on the way. 

Vision Super employs financial planners who are able to provide personal advice to you which takes into account your objectives, financial situation and needs. These staff members are authorised to give personal advice under an arrangement Vision Super has with Industry Fund Services Ltd (IFS) (AFSL no: 232514). IFS (and not Vision Super) is responsible for any advice given to you under this arrangement. Where you require personal advice, this advice is provided to you under the arrangement Vision Super has with IFS. The IFS FSG should be viewed if you are considering obtaining personal advice.

Download the tailored advice guide for an overview of the different advice services that are available to you.
Steps in a typical planning process
Goal setting
Your planner will discuss your goals and what's important to you.
Your planner can help define how they can assist you and the associated costs. Depending on the nature and extent of the advice provided to you, advice fees may apply.
Your planner will develop some strategies and a plan to help you achieve your goals, or work towards them.
Your planner will present you with a proposed plan and agree on how to proceed.
Your planner will work with you to implement your plan and any associated products.

Meet Rod and Deb

Vision Super member Rod and his wife Deb, share their journey through working life towards retirement with the help of Vision Super. Here is their story.

Play Video

Do you need advice?

Of course, this is your decision entirely, and there may be times that you know exactly what you want and how to get there. But if you find yourself wanting to know more about any of the following, then it’s more than likely you’ll benefit from some advice.

  1. Growing your super and maximising your super
  2. Reviewing your investment strategy to choose a suitable investment option
  3. Making the transition from work to retirement
  4. Understanding the Age Pension and other government benefits
  5. What retirement products are suitable
  6. Gifting money to your children and grandchildren
  7. Managing your retirement income
  8. Review your current retirement plan. 

For more information about the advice services you have access to including the provider of the advice and any associated advice fees refer to the applicable Product Disclosure Statements and relevant FSG.

Need advice?

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

We're here to help

You might find the answer to your question in the FAQ below. If you don’t find it there, you can call our Retirement hotline on 1300 017 589. Or complete the quick contact form and one of our team will contact you within the next two business days. 

Frequently asked questions

Centrelink needs to know some details so they can calculate payments such as the age pension. We provide this information directly to Centrelink electronically, on your behalf, every February and August. You can request a Centrelink schedule from Vision Super at any time.

No. Once you have opened an account you cannot make any additional contributions. However, you can close your existing account and open a new account, combining any additional contributions with your existing balance.

Important to know: Government changes to deeming rules could affect you if you choose to close your current account and open a new one. To find out whether your entitlements – including the age pension – could be reduced, we recommend seeking financial advice first.

You have access to make lump sum withdrawals (over and above your pension (income)) payments from a retirement pension however, with a transition to retirement pension lump sum withdrawals are limited and you can only commute your pension by transferring your account balance into an accumulation product.

Your regular pension income payments will be paid directly to a personal or joint bank account nominated by you in your application form. You can choose to receive payments twice monthly, monthly, bimonthly, quarterly, four-monthly, six-monthly or annually.

You need to have met preservation age and have a minimum investment amount of $10,000. Other eligibility conditions apply. Refer to the Vision Super Income Streams PDS for further details.

Eligibility for the government age pension depends on your age, residency status, and the income and assets tests. How much you receive is subject to the income you receive from other sources (including your superannuation) plus the value of your assets. If you are eligible, for all or part of the government age pension, then combining it with your Vision Super pension can work well. You can use the age pension to meet basic living costs and spending money can come from your Vision Super pension.