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Australian Defence Force Superannuation

Past 5-year return
New fund
Admin fee
$60
Calculated Fees on 50k
$605
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Trusted expertise in providing superannuation designed to protect the retirement needs of Australian Defence personnel while they work to protect us.
Investment expertise consistently delivering risk adjusted returns which result in strong net benefit growth to members.
Access to trusted and independent superannuation guidance ranging from online, public and one to one education seminars through to a member's best interests financial planning service offered on a fee-for-service basis.
Access to ADF Cover exclusively designed to support our Defence force members.
ADF Super was established in 2016 to provide for the retirement needs of members employed within the Australian Defence Force. ADF Super offers an investment menu of 3 Diversified options and a Cash option. The MySuper Balanced option outperformed the relevant SuperRatings Index over the 1 year to 30 June 2018.Fees are lower than the industry average across all account balances assessed. The fund allows members two free investment switches per financial year before charging a switching fee, although a buy/sell spread may apply, and an exit fee is charged when a withdrawal is processed.Defence force members receive Death and Invalidity cover through ADF Cover. ADF Cover is a separately offered benefit to ADF Super members while they are actively engaged in the Defence force.ADF Super provides members with access to free in-house and public seminars around Australia, as well as a range of online fact sheets, calculators, educational videos and Webinars. ADF Super Member Online further allows members to view and update account details and perform transactions.
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Fees & fund features

Admin fee
Admin fee
$60
Administration fee (%)
Administration fee (%)
0.00%
Indirect Cost Ratio (%)
Indirect Cost Ratio (%)
1.09%
Exit fee
Exit fee
$50
Financial planning service
Financial planning service
Credit cards
Credit cards
Insurance life event increases
Insurance life event increases
Investment fee
Investment fee
Account size discount
Account size discount
Health insurance
Health insurance
Binding nominations
Binding nominations
Anti-detriment payments
Anti-detriment payments
Switching fee
Switching fee
$20
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
$60
Administration fee (%)
Administration fee (%)
0.00%
Indirect Cost Ratio (%)
Indirect Cost Ratio (%)
1.09%
Exit fee
Exit fee
$50
Financial planning service
Financial planning service
Credit cards
Credit cards
Insurance life event increases
Insurance life event increases
Investment fee
Investment fee
Account size discount
Account size discount
Health insurance
Health insurance
Binding nominations
Binding nominations
Anti-detriment payments
Anti-detriment payments
Switching fee
Switching fee
$20
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
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FAQs

The value of your assets affects whether you can qualify for the age pension – and, if so, how much.

The following assets are exempt from the assets test:

  • your principal home and up to two hectares of used land on the same title
  • all Australian superannuation investments from which a pension is not being paid – this exemption is valid until you reach age pension age
  • any property or money left to you in an estate, which you can’t get for up to 12 months
  • a cemetery plot and a prepaid funeral, or up to two funeral bonds, that cost no more than the allowable limit
  • aids for people with disability
  • money from the National Disability Insurance Scheme for people with disability
  • principal home sale proceeds you’ll use to buy another home within 12 months
  • accommodation bonds paid on entry to residential aged care
  • any interest not created by you or your partner
  • a Special Disability Trust if it meets certain requirements
  • your principal home, if you vacate it for up to 12 months
  • granny flat rights where you pay more than the extra allowable amount

For full pensions, reductions apply when your assessable assets exceed these thresholds:

Category

Home owners

Non-home owners

Singles

$253,750

$456,750

Couples living together

$380,500

$583,500

Couples living apart due to ill health

$380,500

$583,500

Couples with only one partner eligible

$380,500

$583,500

For part pensions, reductions apply when your assessable assets exceed these thresholds:

Category

Home owners

Non-home owners

Singles

$550,000

$753,000

Couples living together

$827,000

$1,030,000

Couples living apart due to ill health

$973,000

$1,176,000

Couples with only one partner eligible

$827,000

$1,030,000

For transitional rate pensions, reductions apply when your assessable assets exceed these thresholds:

Category

Home owners

Non-home owners

Singles

$503,250

$706,250

Couples living together

$783,000

$986,000

Couples living apart due to ill health

$879,500

$1,082,500

Couples with only one partner eligible

$783,000

$986,000

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