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Living Super

Living Super

Your other savings account. Open in just 5 minutes.

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Features

Why open a Living Super account?

  • Make it simple or mix it up

    Choose from our diversified investment options or mix and match your investments to meet your individual needs.

  • Rollover your super online

    Rollover and consolidate your super online so it's all in one place, easier to manage and you could save on fees.

  • Invest in direct shares easily

    Trade shares real-time online. Choose from the S&P/ASX 300 index, selected Exchange Traded Funds and Listed Investment Companies.

  • Keep tabs on your super

    Get secure online access to your account. You can check on its progress at any time, right there next to your other ING accounts.

  • Sign up in minutes

    You can open your Living Super account online or over the phone in a few simple steps.

  • Insurance made simple

    A straightforward range of insurance options including Automatic Cover with premiums paid directly from your account.

  • Single Issue Advice paid for by ING

    Not sure what to do with your super? ING will pay for your first piece of single issue advice, to help with key decisions on insurance, investments, contributions and other important matters.

  • Living Super is an award winner

    With awards like the Super Ratings Fast Mover for 2014, Living Super is proud of its achievements.

  • Pension and Transition to Retirement

    Account options to draw down your super savings as a regular income stream after you meet a condition of release

Open in just 5 minutes. Or call us on 133 464, 8am-8pm Mon-Fri (Sydney time).
How it works

What are you looking for?

High growth

Who's it suitable for?

Investing for 10+ years

Performance

8.22% p.a.

(Over 5 years for super accounts, effective of 30 November 2018). For full investment performance, including TTR and Pension account, click here.

Fees comparison

Independently validated by SuperRatings. For full report, including assumptions and criteria, go to ing.com.au/superratings

  • Living Super High Growth fee
  • SuperRatings All Fund Median fee

Investment allocation

Asset class breakdown

  • Australian shares - 50%
  • Australian listed property - 10%
  • International shares - 20%
  • International shares (Hedged) - 20%
Growth

Who's it suitable for?

Investing for 8+ years

Performance

6.64% p.a.

(Over 5 years for super accounts, effective of 30 November 2018). For full investment performance, including TTR and Pension account, click here.

Fees comparison

Independently validated by SuperRatings. For full report, including assumptions and criteria, go to ing.com.au/superratings

  • Living Super High Growth fee
  • SuperRatings All Fund Median fee

Investment allocation

Asset class breakdown

  • Cash - 15%
  • Australian fixed interest - 15%
  • Australian shares - 35%
  • Australian listed property - 5%
  • International shares - 15%
  • International shares (Hedged) - 15%
Balanced

Who's it suitable for?

Investing for 6+ years

Performance

5.34% p.a.

(Over 5 years for super accounts, effective of 30 November 2018). For full investment performance, including TTR and Pension account, click here.

Fees comparison

Independently validated by SuperRatings. For full report, including assumptions and criteria, go to ing.com.au/superratings

  • Living Super High Growth fee
  • SuperRatings All Fund Median fee

Investment allocation

Asset class breakdown

  • Cash - 28%
  • Australian fixed interest - 10%
  • Australian shares - 33%
  • Australian listed property - 4%
  • International shares - 12.5%
  • International shares (Hedged) - 12.5%
Customise yourself

Suitable for

Looking for more control over where your super is invested? Living Super lets you select from a range of managed investment options plus access to S&P/ASX 300 listed securities, 152 listed investment companies and exchange traded funds through optional real-time Share Trading available after you open a Living Super account

Living Super also provides access to 3 months, 6 months, 1 year and 2 year Term Deposits (super accounts only), plus optional real-time Share Trading available after you open a Living Super account.

Performance

(Over 5 years for super accounts, effective of 30 November 2018)

Investment optionAnnual growth rate
Balanced5.34%
Australian fixed interest3.58%
Australian listed property10.35%
Australian shares6.41%
Growth6.64%
High growth8.22%
International fixed interest (hedged)3.46%
International shares10.62%
International shares (hedged)9.17%
Cash option2.06%
Rates and fees

Rates and fees

Competitive rates and fees to help your super savings grow.

Interest rates

The Cash Hub must hold a minimum of $500 or 1% of your account balance (whichever is greater and capped at $10,000), plus an additional amount equal to the insurance premiums, pension payments (if applicable) and fees due to be paid in the following two months.

Interest rate
Interest rate

Interest accrued on the cash option is reflected in the unit price.

Interest rate
Interest rate

Living Super Term Deposits offer a fixed rate of interest for the duration of the term and each require a minimum opening amount of $1,000. If you wish to close your Living Super Term Deposit before the maturity date, you must provide us with 31 days notice. The 2 year term deposit is only available in Super accounts, not Transition to Retirement or Pension account.

Terms
Interest rates

3 months

6 months

1 year

2 years

Living Super fees

Where there are fees, you'll find them competitive. Choose the category you're interested in to see just how low the fees are. Detailed information on the fees and costs of ING Living Super can be found in the PDS, Product Guide and the Defined Fees Guide.

  • Establishment fee
    Nil
  • Contribution fee
    Nil
  • Withdrawal fee
    Nil
  • Exit fee
    Nil

Safe category: Your superannuation is invested in cash and term deposits held with ING.

  • Administration fee
    $60 p.a. charged at $5 per month plus an administration fee for the Operational Risk Financial Requirement fee estimated to be between 0.03% - 0.14%.
  • Investment fee
    Nil
  • Indirect cost ratio
    Nil

Smart category: This is the Living Super Balanced option. Your super is invested in a pre-selected mix of cash and shares.

  • Administration fee
    $60 p.a. charged at $5 per month plus an administration fee of 0.64% p.a. of your account balance in the Smart category (0.50% p.a. on the account balance in the Smart investment category capped at $2,500 p.a. plus an administration fee for the Operational Risk Financial Requirement fee estimated to be between 0.03% - 0.14% p.a. on the total account balance)
  • Investment fee
    0.25% p.a. of the Smart category account balance
  • Buy/sell spread
    Estimated to be between 0.06% - 0.07% when buying or selling units
  • Indirect cost ratio
    0.01% p.a.

Select category: Create your own investment strategy by choosing from a range of managed investments.

  • Administration fee
    $60 p.a. charged at $5 per month plus an administration fee of 0.64% p.a. of your account balance in the Select category (0.50% p.a. on the account balance in the Select investment category capped at $2,500 p.a. plus an administration fee for the Operational Risk Financial Requirement fee estimated to be between 0.03% - 0.14% p.a. on the total account balance)
  • Investment fee
    0.25% p.a. of the Select category account balance
  • Buy/sell spread
    Estimated to be between 0.07% – 0.13% when buying or selling units
  • Indirect cost ratio
    Growth and High Growth Investment Options – 0.01% p.a.
    International Shares (Hedged) investment option - 0.05% p.a.
    International Fixed Interest (Hedged) investment option - 0.08% p.a.
    All other investment options in the Select category – nil

Shares category: Take a hands-on approach, with real-time trading of S&P/ASX 300 shares, plus a selection of Exchange-Traded Products

  • Administration fee
    $60 p.a. charged at $5 per month plus an administration fee of 0.64%p.a. of your account balance in the Shares category (0.50% p.a. on the account balance in the Shares investment category capped at $2,500p.a. plus an administration fee for the Operational Risk Financial Requirement fee estimated to be between 0.03% - 0.14% p.a. on the total account balance)
  • Brokerage
    Brokerage of $20 or 0.13% per trade (whichever is greater)
  • Indirect cost ratio
    Nil
  • Market research
    Included in the Administration fee
  • Premium market research (optional)
    $20 per month
  • Insurance premium
    Varies depending upon the amount and type of cover you choose and other factors such as your gender, age, occupation and your health declarations.
  • Member advice fee
    Varies depending on the advice services you use.
  • Term deposit early closure
    Varies depending on the original term.
  • Investment fees on Exchange Traded Products
    Varies depending on the investment fee charged by the Exchange Traded Products provider. It is reflected in the performance of the option.
  • Family law information
    $102.50 per request
  • Family law split
    $256.25 per request
Open in just 5 minutes. Or call us on 133 464, 8am-8pm Mon-Fri (Sydney time).
Tools and calculators
FAQs

Got a question about Living Super?

Chances are you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

Open in just 5 minutes. Or call us on 133 464, 8am-8pm Mon-Fri (Sydney time).
How to get started

Kick-start your super savings

1. Choose your account type

Depending on where you're at in life, select from Super, Transition to Retirement or a Pension account. Use this guide to help you choose.

2. Select your investment

Select the Balanced option or choose to create your own investment strategy.

3. Sign up online or by phone

You can open a Living Super account in minutes. Do it online now or call us on 133 464, 8am-8pm, Mon-Fri (Sydney time).

It's for Australian residents only

You must be aged 13 or over

You'll need to have your tax file number handy

Open in just 5 minutes. Or call us on 133 464, 8am-8pm Mon-Fri (Sydney time).