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Combined Super - Personal Benefit Account

Past 5-year return
New fund
Admin fee
$52
Calculated Fees on 50k
$743
Strong emphasis on personal service - no call centre.
Free member seminars.
Can have different investment mixes for account balance and contributions.
Very flexible insurance options.
High quality, educational newsletters.
Targeted correspondence to members.
Combined Super was established in 1959 as the Combined Schools Superannuation Fund and is a provider of superannuation and pension products to the private education sector, charities, non-profit groups and associations. A simple investment menu of 4 Diversified and 4 Single Sector options is offered to members, including a SRI Balanced option. The Balanced (MySuper) option has underperformed the SuperRatings Index over the short and long term. Fees are higher than the industry average across all account balances assessed. Members are able to switch investment options at no cost; however, an exit fee applies when making lump sum withdrawals.Combined Super provides members with access to a full suite of insurance including Death Only cover, Total & Permanent Disablement (TPD) cover and Income Protection (IP) cover. IP cover offers up to a maximum of 85% of pre disability salary, with a 90 day waiting period and benefit periods of 2 years or to age 65. Members can automatically retain insurance cover if remaining with the fund after leaving their employer. Overleaf premiums are to be used as a guide only.A number of additional features are available to members including a free limited advice service, financial planning, regular newsletters and online calculators. Member Access allows members to view and update account details online, as well as, switch investment options.

Fees & fund features

Admin fee
Admin fee
$52
Exit fee
Exit fee
$67
Financial planning service
Financial planning service
Credit cards
Credit cards
Insurance life event increases
Insurance life event increases
Investment fee
Investment fee
0.00%
Account size discount
Account size discount
Health insurance
Health insurance
Binding nominations
Binding nominations
Anti-detriment payments
Anti-detriment payments
Switching fee
Switching fee
$0
Employer size discount
Employer size discount
Home loans
Home loans
Non-lapsing binding nominations
Non-lapsing binding nominations
Long term income protection
Long term income protection
Admin fee
Admin fee
$52
Exit fee
Exit fee
$67
Financial planning service
Financial planning service
Credit cards
Credit cards
Insurance life event increases
Insurance life event increases
Investment fee
Investment fee
0.00%
Account size discount
Account size discount
Health insurance
Health insurance
Binding nominations
Binding nominations
Anti-detriment payments
Anti-detriment payments
Switching fee
Switching fee
$0
Employer size discount
Employer size discount
Home loans
Home loans
Non-lapsing binding nominations
Non-lapsing binding nominations
Long term income protection
Long term income protection
Fund fees vs. Industry average
Fund past-5-year return vs. Industry average
Investment allocation
Investment option performance
+ View additional option performance information
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