Super should be simple – a lifelong investment that is growing in the background as you go through your working life. As your situation changes, it should also be simple for you to make sure your super is keeping up with you. We’ll do the work to help make your investment grow, and you can keep tabs on how it’s going, and make any changes you need to make, in your online account.
If you’ve got more than one super fund, you could be losing money in unnecessary fees. The good news is that it can take us a few minutes to find and transfer your other super funds to your Vision Super account.
If you can, start adding a little extra to your super now. It can make a surprisingly big difference to your future. There are a few ways you can contribute to your super, and we’ve made it easy for you.
Make sure you tell us who should receive your super, just in case something happens to you.
It’s easy to take us with you when you start a new job. All you do is give your employer some details about your Vision Super account, and they can start contributing from your first pay.
You may be able to access some super now, but there are some rules and conditions to it.
Women in Australia are still not generally financially secure when it comes to their own super. We are committed to helping Aussie women retire comfortably, and on their own terms.
It’s hard to picture what you might need for retirement, especially if it’s still far away, but it’s possible to estimate!
You can use the Retirement income calculator can show you what your future retirement could look like, including how some small lifestyle changes you make now may help you get there.
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Thank you Vision Super. The app is great and so easy to access.
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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.
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.