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.
Women and super
Women in Australia are still not generally financially secure when it comes to their own super.
Fees and costs
Details of the fees and costs on our superannuation and pension accounts.
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.
You can ask your employer to pay some of your salary, before tax is taken out, straight into your super. This is separate from your employer’s normal contribution (that’s the ‘compulsory super’, that employers must pay). Salary sacrifice is your own extra contribution, your employer is just paying it on your behalf.
Firstly, once you’ve set this up, you don’t need to think about it again – it will happen automatically each time you’re paid.
Salary sacrifice could also reduce your income for tax purposes, meaning you’ll pay less tax. That’s because the money your employer takes out of your salary and puts into your super is taxed at 15%. Compare that to the marginal tax rate, which can be anything up to 47% (including the Medicare levy) depending on how much you earn.
The salary sacrifice option will work for your if your income is high enough that you’re paying more than 15% tax on your overall income, and you won’t miss the money out of your pay. If you’re a low-income earner, you might find that after-tax contributions are the better option.
Most employers do offer salary sacrifice, but not all. So do check with your employer to see whether it’s available to you.
After-tax contributions are also sometimes called non-concessional contributions, or personal contributions. Basically, you choose to pay an amount into your super from your after-tax income or savings. You can do this at any time, either as a regular transfer or a one-off payment from your bank account.
Why choose after-tax contributions?
Adding to your super fund when you have some extra cash on hand means when you reach retirement, you’ve got more savings to retire with. Think of it as a very secure savings measure. Even small amounts added now can make a big difference to your super in future, because your super is earning interest for that whole time.
And, because you’ve already paid tax on your income, after-tax contributions are not taxed again when you deposit them into your super account. You might also be able to claim a tax deduction on these contributions, to reduce the amount of tax you pay in a financial year.
Those tax deductions and extra contributions sound great, but please know that if you claim a tax deduction for your personal contributions at tax time, your contributions will change from after-tax to concessional (before-tax) and that means they are subject to contributions tax, at a rate of 15%, and will count towards your yearly $25,000 cap on before-tax contributions.
“I’m 45, and I’m a child care worker earning $32,000 a year. I make a $1,000 post-tax contribution to my Vision Super account. When I put in my tax return, the ATO make an additional co-contribution of $500 to my Vision Super account. I didn’t need to do anything except make the contribution and lodge my tax return – simple! The ATO and Vision Super took care of the rest.”
This is a great way to support your spouse who may be on a low income without much super being saved or may have lost a job or taken a break from work, for example to look after kids. It’s an investment in a loved one’s future and will ease both your lives in retirement. A spouse is the person you’re legally married to, or in a de facto relationship with (including same sex relationships).