Find or transfer your super
Transfer other super accounts to Vision Super and search for lost super.
Changing jobs
It’s easy to stay with Vision Super when you change jobs.
Making contributions
Find out more about the different ways you can grow your super.
Super contribution caps
The rules around contributing to your super account before and after-tax.
Beneficiaries
Choose who’ll receive your super if something should happen to you.
Accessing your super
Information on preservation age and the rules around when you can access your super.
Fees and costs
Details of the fees and costs on our superannuation and pension accounts.
Women and super
Women in Australia are still not generally financially secure when it comes to their own super.
Switch investment options, update your insurance, sign up for a pension and much more. Login using the button below or call us on 1300 300 820 to register.
Funding your retirement
How much is enough to have the lifestyle you want when you retire?
Financial advice
Information on the ways we can help and provide advice. As well as how to book an appointment.
Retirement products
An overview of our Account based pensions and Transition to retirement products.
Account Based Pension
A flexible, low-cost income stream that allows you to keep your super invested.
Three Bucket Pension
An account based pension with a defined investment strategy.
Transition to retirement
A Non-commutable account based pension you can take out while you are still working part-time.
Retirement bonus
The retirement bonus is available to members who start an eligible Vision Income Stream on or after 1 January 2021.
We offer different levels of general and personal advice to help you achieve the future you want. Call us on 1300 300 820 or visit out financial advice page for more information.
Investment performance
See how investments are performing over the short and long term, and our investment history.
Unit prices
Find the latest unit prices for your super and retirement investment options and how they work.
Investment options
Our range of investment options you can choose from, including strategies, investment timeframes, and risk levels of each.
MySuper dashboard
Compare our MySuper product with other super funds’ MySuper products.
Top stock holdings
Our assets are invested in these key stocks internationally and within Australia.
Financial market update
Regular financial market updates provided by Frontier Advisors.
Our investment beliefs
The investment beliefs that guide us when choosing assets and fund managers.
Active ownership
How we use our shareholder rights to advocate for positive ESG behaviour in the companies we invest in.
Sustainability
Find out how we’re active in making a positive difference for our members and the planet.
The earlier you start, the faster your investments grow. Learn how to contribute extra to boost your final super balance.
Insurance options
Details about the insurance cover we offer – death cover, death and total & permanent disability (TPD) cover and Income protection.
Make a claim
The steps you need to take if you need to make an insurance claim.
Change/cancel your cover
How to change or cancel your insurance cover online and over the phone.
Transfer your insurance
Find out how to transfer your insurance cover to us when you open a Vision Super super account.
Best Doctors
A free service for Vision Super members that provides a second opinion and mental health advice.
Voluntary code of practice
Our commitment to the voluntary insurance code of practice jointly owned by key superannuation bodies.
Protecting your super
Find out how the changes affect you.
Our insurance beliefs
The key features and protections you receive when having insurance cover through us.
Did you know that Vision Super members have free access to the Best Doctor service? You can receive free expert medical advice from the comfort of your own home.
Careers
Current opportunities available and the benefits we offer to take your career to the next level.
Compare us
How our features, services and fees compare to other super funds.
Why choose Vision Super?
We have the experience and expertise to look after your super for life.
Directors and executives
Meet the executive team and Board of Trustees who set our strategic direction and oversee governance.
Fund information
Key details about the fund including actuarial investigations, RSE, USI and SFN numbers.
Significant event notices (SEN)
Important updates on material changes and significant events which may impact our services and plans.
Contact us
Phone, address and other important contact details.
Our Sustainable balanced investment option has the lowest superannuation fees of any sustainable superannuation investment option in Australia. Learn more about sustainable super that's good for you and the planet.
News
The latest news and videos about Vision Super and the superannuation industry in Australia.
Calculators
Interactive calculators to project your future savings, give your super a boost, calculate the cost of insurance cover and more.
Forms & publications
Here you’ll find all important forms, reports, fact sheets and other publications to help you manage your super and learn more.
Frequently asked questions
Learn more from our frequently asked questions separated into popular categories.
Australian women still trail behind men when it comes to their final super balances. Learn how to bridge the gender gap and save for a comfortable and financially secure retirement.
Clearing house
Access the services of a super clearing house to distribute the required payments to all of your staff’s super funds.
Defined Benefit information
Information on our Defined Benefit (DB) plans and your obligations as a participating DB employer.
Employer online
Your Employer Online account makes managing your employees super easy.
Register
Register today and make Vision Super the choice fund for your employees.
Single Touch Payroll
A government initiative to simplify employer reporting obligations to the Australian Tax Office (ATO).
Employer contributions
Information about the rules to the Superannuation Guarantee.
As an employer you can manage almost all your staffs' super using your online account. If you haven't jumped online yet, or have misplaced your password, register using a secure website access form.
Taxes apply to both your before-tax (concessional) and after-tax (non-concessional) contributions. The Government has set contributions caps (limits) on the amount you can contribute in a financial year. This applies to both types of contributions and if you exceed the amount and contribute too much you may have to pay a penalty tax on those amounts.
Can include:
What if you exceed the cap
If you exceed the contribution limits you may have to pay a penalty tax on these amounts. The Australian Taxation Office (ATO) will send you an assessment notice advising you of the additional tax, how to pay it and whether you are eligible to apply for a refund of your excess contributions.
Over 65?
If you are less than 65 years of age, you can ‘bring forward’ another two years worth of non-concessional contributions, allowing you to contribute up to two years’ worth of contributions without a penalty. The cap amount that applies is three times the non-concessional contributions cap for the financial year in which you make the contribution. From 1 July 2017 the bring-forward amount and period is dependent on your total superannuation balance on the day before the financial year contributions that trigger the bring forward.
Contributing to your super
YOUR AGE | Under 65 | Over 65 but under 67 | Over 67 but under 75 | Age 75 or over |
---|---|---|---|---|
DOES A WORK TEST APPLY? | No | No | Yes | No |
EMPLOYER CONTRIBUTIONS | Yes | Yes | Yes** | Yes*** |
PERSONAL AFTER TAX CONTRIBUTIONS | Yes | Yes | Yes* | No |
PERSONAL DEDUCTIBLE CONTRIBUTIONS | Yes | Yes | Yes* | No |
DOWNSIZER CONTRIBUTIONS | No | Yes | Yes | Yes |
SPOUSE CONTRIBUTIONS | Yes | Yes | Yes | Yes |
* Generally, a contribution can only be accepted after age 64 if you were gainfully employed at least 40 hours in a period of not more than 30 consecutive days during the financial year in which the contribution is made. This is known as the work test. The work test does not apply to downsizer contributions.
Members aged between age 67 – 74 with a total superannuation balance of less than $300,000 will be exempt from the work test for a 12 month period. These members are able to make voluntary contributions for up to 12 months from the end of the financial year in which they last met the work test. The exemption is only available for one 12 month period in an individual’s lifetime.
** From age 67 to under 74, an employer can make mandated employer contributions (that is SG and award contributions) for you. However, any additional employer contributions or member contributions can only be made if you satisfy the work test explained above apart from the above exemption. Where you turn 75, the contributions must be paid no later than 28 days after the end of the month in which you turn 75.
*** After age 74, only mandated employer contributions can be accepted for you.
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 $39,837 or less in the 2020/21 year. This reduces on a sliding scale and cuts out if your total income is above $54,837 in the 2020/21 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 2020/2021 financial year, the maximum that can be contributed as before-tax payments is $25,000, this includes your employer SG payments of 9.5%.
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.
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Member Hotline 1300 300 820
Employer Hotline 1300 304 947
Retirement Hotline 1300 017 589