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Hi [fn],

Welcome to your personalised dashboard.

[ret1]

your super balance as at [date]

15 years

to retirement (based on a retirement age of 67)

5%

balance increase over the 17/18 financial year

$36,000

your estimated retirement income per year for 25 years as stated in your 2018 Annual statement.

See the Notes to your Annual statement for assumptions used in the above forecast.

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Other members have taken these actions

Members often ask

I've just changed jobs. How do I stay with Sunsuper?

In most instances you should be able to keep your super with us. Simply go to our dedicated Changing Jobs web page and choose the most convenient option. We think the easiest option is to complete a form online and send it to yourself or directly to your employer.

When can I access my superannuation?

Superannuation is designed to help you save for your retirement, so there are rules around when you can access it. In a nutshell it’s once you’ve turned 65, or reached your preservation age and retired.

Learn more about accessing your super

How often should I be reviewing my insurance?

Whenever there is a special life event, you should think about reviewing your insurance. A promotion, a birthday, a new house or a new baby could all be reasons to check your cover to ensure your loved ones are protected.

Use our insurance needs calculator

How much money do I need in retirement?

This answer is different for everyone. At Sunsuper, we ask you to think about the lifestyle you would like to have in retirement and then work towards that outcome.

Discover which lifestyle option you’d prefer or go online for further information on advice and planning for your retirement.

How can I add more to my super?

There are various options available to you to boost your superannuation. Salary sacrifice, voluntary contributions and in certain cases, the government can even help you save for your retirement.

Learn more about adding to your super

How do I ensure my super money goes to the right person?

It’s not easy to plan ahead in the event that the worst should happen. But, being prepared could make a difficult time a whole lot easier for the loved ones you leave behind.

Learn more about how to nominate a beneficiary

Explore all tools

Important: Your Personalised dashboard contains general information only. Any advice does not take into account your personal objectives, financial situation or needs. You should consider the appropriateness of any advice having regard to your personal objectives, financial situation and needs before acting on that advice. A copy of the Product Disclosure Statement (PDS) can be obtained by visiting sunsuper.com.au/pds or your Sunsuper for life Corporate or Business microsite, or by calling 13 11 84. You should consider the PDS in deciding whether to acquire, or to continue to hold, the product. Prepared by Sunsuper Pty Ltd ABN 88 010 720 840, AFSL No. 228975, the Trustee and issuer of the Sunsuper Superannuation Fund ABN 98 503 137 921.

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How did we perform this year?

We have been recognised as the best of the best when it comes to super.

Learn more online

We're highly awarded

Money magazine, super ratings, chant west, super review, superannuation wards 2018

For further information on the ratings methodology used and awards refer to sunsuper.com.au/ratingsagencies


Solid, long term returns

We aim to deliver competitive, long-term returns to help your super balance grow.

Based on our Balanced investment option, see how we performed against the industry average to 30 June 2018

Sunsuper Balanced Investment Option (% p.a.)

Industry Average (% p.a.)

1 year return: Sunsuper 10.7%, industry average 9.2 3 year return: Sunsuper 8.6%, industry average 7.3% 5 year return: Sunsuper 9.8%, industry average 8.9% 3 year return: Sunsuper 6.9%, industry average 6.4%

Source: SuperRatings Fund Crediting Rate Survey SR50 Balanced (60-76) index - 30 June 2018.

The Balanced investment option has identical investments to the Balanced Pool in the Lifecycle Investment Strategy. Warning: Past performance is not a reliable indication of future performance.

Want to know more about how your investments are performing?

Click here to visit our investment performance page or log in to Member Online or our Sunsuper app to view your investment options


Outstanding pension offerings

We have been awarded both Money magazine's Best Pension Fund Manager 2018 and SuperRatings' Pension Fund of the Year 2018 for our leading pension offerings.

For more information go to sunsuper.com.au/awards


Service excellence

We have been consistently recognised for our industry-leading customer service for by the Customer Service Institute of Australia.

For more information go to sunsuper.com.au/awards

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Where are you headed?

Understand which retirement lifestyle you may be heading for by comparing your estimated retirement income to your desired retirement lifestyle.

If you don’t have a picture of what the future looks like it’s hard to work towards it. We encourage you to picture yourself in relation to one of the four retirement lifestyles.

As stated in your 2018 Annual statement, we have projected that you will receive a retirement income of

$[fees] per year for 25 years

See the Notes to your Annual statement for how we worked this out.

Use your estimated retirement income (above) and compare lifestyle options.

Below are some lifestyle options to give you an idea of the sorts of things you’ll be able to do with different retirement incomes.

Doing OK

A doing OK retirement lifestyle for a single person relies on an annual income of

$24,500

holidays

Holidays

Save hard for one or two short breaks near home every year

eating out

Eating out

Occassionally with budget options

health

Health

Rely on public systems and free benefits

Comfortable

A comfortable retirement lifestyle for a single person relies on an annual income of

$34,500

holidays

Holidays

Save for an annual domestic holiday

eating out

Eating out

Regularly at cafes

health

Health

Rely on public systems and free benefits

Doing well

A doing well retirement lifestyle for a single person relies on an annual income of

$44,500

holidays

Holidays

One domestic or overseas holiday each year plus regular short breaks

eating out

Eating out

At local restaurants and cafes, regular entertainer at home

health

Health

Access to private care and access to sport and fitness facilities

Premium

A premium retirement lifestyle for a single person relies on an annual income of

$58,000

holidays

Holidays

Regular trips overseas, able to help family travel

eating out

Eating out

Frequently at a variety of places

health

Health

Afford medical treatment whenever required and to live healthily

Want to try and change your retirement lifestyle?

Learn more online

Important information: The retirement lifestyles shown are illustrative examples only. Your desired retirement lifestyle and what it costs will be unique to your own personal wants and needs. You should consider getting financial advice tailored to your circumstances.

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Find your other super instantly

40% of Australians have more than one super fund and could be paying multiple sets of fees and insurance premiums.

Sort your super now

How many different super accounts do you think you have?

With 1 account, you could be paying $10,000in Super admin fees over the next 25 years

See below for important information and assumptions

One account – less fees

Don’t want to be a statistic? Use our online tool to instantly find and then simply select which accounts you’d like to combine.

Sort your super now

Important Information: This is an illustrative example only. Before making a decision to combine your super, you should compare funds, consider your total level of insurance cover and any exit fee that may apply. You should consider getting financial advice tailored to your circumstances.

40% of Australians have more than one super fund. Source: ATO - Super Accounts Data Overview, at 30 June, 2017.

Assumptions: Calculated using the average MySuper product administration fees for a $50,000 balance of $180 p.a. This amount does not take into account investment fees and costs, investment earnings or inflation. Source: Chant West Super Fund Fee Survey for March 2018.

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The 10/30/60 Revelation

See how up to 60% of your retirement income could be generated from investment earnings on your super after retirement.

Learn more online

Select the values closest to your situation

Tap on the sections in the graph to learn more about them

See below for important information and assumptions


Taking your super as a regular income can make sense.

It allows your retirement savings to remain invested, while you receive money to fund your retirement.

Learn more online

Important information: The 10/30/60 Revelation tool is intended only to illustrate the potential effects of leaving money invested in super after retirement. It is not intended to be used as a substitute for professional financial advice and should not be relied upon when making a decision about any financial product. Calculation by Sunsuper based on the 10/30/60 rule (see Russell Investments: The 10/30/60 Rule. January, 2015)

Assumptions: The model assumes past contributions starting at age 20. These are based on:

- historical Super Guarantee rates from 1992 and award contribution rate of 3% of salary prior to 1992, and

- the nominated salary growing to the current level assuming a salary increase rate of 3.75% p.a.

The remainder of the current super balance is allocated interest earned on super while working.

The model assumes future contributions at the legislated Super Guarantee rates less contributions tax.

The projection of the super balance to age 65 assumes:

- investment returns of 7.0% p.a. (net of tax),

- salary increase rate of 3.75% p.a.,

- administration fees of $1.50 p.w. plus 0.1% of account balance, and

- insurance premiums of $5 p.w. at current age increasing in future years at 2.5% p.a. and ceasing at age 65.

The projection of retirement income from age 65 assumes:

- investment returns of 7.6% p.a.,

- administration fees of $3 p.w. plus 0.1% of account balance,

- payments indexed at 3% p.a., and

- account balance of nil at age 90.

The pension payment amounts do not take into account the legislated minimum pension payments.

The actual percentages are calculated based on the total contributions made while working, interest earned on super while working and interest earned on super after stop working. The calculation of the dollar amounts attributed to each of the above is based on the calculated percentages applied to the value of the total pension payments expressed in today’s dollars. The results are shown in “today's dollars" so they are consistent with today's living standards. For the period prior to age 65 the discount rate is at 3.75% p.a., made up of 2.5% for inflation and 1.25% for the cost of rising living standards. For the period after age 65 the discount rate is 3.0% p.a., made up of 2.5% for inflation and 0.5% for the cost of rising living standards.

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Changing jobs? Stay with Sunsuper

It’s easy to stay connected with Sunsuper when you change jobs.

Email my pre-filled form

It's your choice

If you don't choose, your employer will, which may leave you with multiple super funds and insurances, paying multiple fees and premiums.

You can choose to email a pre-filled form to yourself or your employer directly from your mobile device.

Email my pre-filled form
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Give yourself a bonus

Once you've been a Sunsuper member for over 12 months, you may be eligible to kick off your retirement with a bonus of up to $4,800* when you activate your Retirement income account. Eligibility conditions apply

Request a call back

Our highly awarded Sunsuper Retirement income account allows you to pay your super like a salary in retirement. Plus you could receive a bonus of up to $4,800* as a kick-start.

Who's it for?

A Retirement income account is generally for members who have permanently retired and reached their preservation age, or reached 65 years of age regardless of whether they’ve retired.

Talk to us today about how you can get started.

Request a call back

*The Retirement Bonus is subject to eligibility criteria, including a 12 month minimum membership period. The Retirement Bonus is generally paid into eligible Retirement income accounts in the July following the financial year in which the Retirement income account was established. Please note other conditions apply. For more information visit sunsuper.com.au/retirementbonus

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The ripple effect

Dropping additional contributions into your super can be like throwing a stone in a pond — the earnings on your investment options stay invested, and themselves generate earnings, which can cause a ripple effect that gets your balance expanding over time.

Choose the values closest to your situation (below) to see an example of the effect that regular, additional voluntary contributions can make to your super, and the difference starting early could make. Make sure you read the important information below.

-
+
Monthly Yearly
-
+
$255,555
$123,333
Starting early could result in $17,362 difference at age 65
50
50
50
50
50

Total additional contributions of $100 plus 6.5% investment earnings over XX years is $255,555

Total additional contributions of $100 plus 6.5% investment earnings over XX years is $255,555

Learn about contributions

Important information: Indicative example only. Assumes an investment return of 6.5% p.a. Amount is shown in future dollars and does not account for inflation. No allowance is made for any fees, costs or taxes. Because it does not consider these or other important factors (e.g. changes in investment returns over time - remember returns can be positive or negative), the outcome is an indicative example only and not guaranteed. This tool does not take into account your personal objectives, financial situation or needs. You should consider your personal objectives, financial situation and needs, and consider getting financial advice before making any additional contributions.

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