IOOF Personal Super (Full Menu)

IOOF Personal Super is a Division of the IOOF Portfolio Service Superannuation Fund and is a lifetime portable super solution that provides members with extensive choice and flexible features.The Full Menu offers members access to ready-made portfolios, managed funds, direct shares and term deposits. The MultiMix Balanced Growth Trust outperformed the SuperRatings Index over the year to 30 June 2018; however, underperformed over the longer term.Fees are higher than the industry average across all account balances assessed; however, a reduced asset administration fee is applicable on account balances over $250K. Members are able to switch investment options without incurring a switching fee, while an exit fee is applied for full or partial withdrawals.IOOF Personal Super members can apply for a full suite of insurance cover, including Death, Total & Permanent Disablement (TPD) and Income Protection (IP) insurance. IP with a benefit period of 2 years, 5 years or to age 65, covering up to 85% of salary, is available following a 30, 60 or 90 day waiting period. Members transferring from IOOF Employer Super have the ability to transfer existing insurance arrangements to IOOF Personal Super.A range of online tools, calculators and educational resources are available through the fund's website. IOOF Online allows members to view and update account details as well as perform transactions, including switching investments. Members have access to financial advice provided by IOOF Investment Management Limited directly or through numerous adviser groups.