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Chant West Super 2018 Pension 2018

My Super News

A focus on accumulation performance

03-Apr-2019

On the back of volatile markets and heightened geopolitical risks, the year ending 31 January 2019 was challenging for investment returns. Read More

Is it time to insure your biggest asset?

03-Apr-2019

Just like Dr. Seuss, at VISSF we believe You matter. And the people you spend time with - your family and friends, they all know how valuable You are too. Read More

Simplifying super one step at a time

12-Apr-2017

Nothing says simple like a numbered to-do list. With a little help from your friends (that’s us), you can save time, money and undue stress. All you need to do is read through the steps and tick them off one-by-one. Now, that’s satisfaction.

1. Search for lost super

If you’re like many Australians, starting a new job can mean a new super provider too. And if you’ve had a few jobs throughout your working life, then you’ll probably have a few extra super accounts. Left unchecked, these accounts could be losing valuable money from your retirement savings. And that’s never a good thing.

Fortunately, searching for those lost super accounts is easy. If you’re registered for Member Online, you can ask us to periodically search on your behalf, simply by ticking the box that provides consent. We’ll let you know if we find anything. Or you can ask our friendly Client Services Team for help.

2. Cash in by consolidating

Consolidating your super accounts not only saves you time and money, but maybe a few hairs too (you’ll stop pulling them out). By having all your super in the one account, you’ll only be charged one fee. And, you’ll be able to get a clearer picture of your overall financial situation at a glance.

Our Client Services Team can consolidate your newly found (and already known) super into VISSF over the phone or through Member Online. In most cases, your money will arrive in your account in as little as three days. To get your super sorted, just head to Member Online at www.vissf.com.au or give our Client Services Team a call on 1300 660 027.

3. Save more with a salary sacrifice

A before-tax contribution to your super is known as a salary sacrifice (or ‘concessional’) contribution. Here’s how it works: first, you nominate an amount with your employer that you’d like to contribute to your super (subject to the relevant contribution cap* for the financial year). Second, the amount will be deducted from your total salary before income tax. And finally, this amount is forwarded on to your super account. It’s an easy, proactive way to accelerate your retirement savings.

With a salary sacrifice, generally only 15% tax is deducted from your nominated super contribution. Compared to the tax rate you pay on your income (which could be up to 45%), this can amount to a large saving.

4. Top up with a top up from the government

A little help goes a long way. With co-contributions, you can get an extra top up from the government of up to $500 per annum. This is done through an after-tax (non-concessional) contribution, which is taken from your salary after your income tax has been deducted.

If your total income is less than $51,021 per year before tax, including any reportable fringe benefits and reportable employer superannuation contributions, and you make an after-tax contribution, you’re eligible. So, if you think you fall in this income bracket, check out how the government co-contribution can work for you.

5. Tackle your super as a team

If your spouse has a total assessable income, plus any reportable fringe benefits and other reportable employer super contributions, of less than $13,800 for investments are performing. Different ages, incomes and risk tolerance call for different strategies. High growth options (like shares) might be fine when you’re of a younger age, but if you need regular access to your money, a lower risk option might be more suitable.

You can check your investment options by logging in to Member Online. The VISSF team at Link Advice can also advise you about your investment choice at no cost.

6. Weigh up your investment options

Your super works best when you know how your investments are performing. Different ages, incomes and risk tolerance call for different strategies. High growth options (like shares) might be fine when you’re of a younger age, but if you need regular access to your money, a lower risk option might be more suitable.

You can check your investment options by logging in to Member Online. The VISSF team at Link Advice can also advise you about your investment choice at no cost.

7. Think about life insurance through your super

A safety net’s never a bad thing. That’s why eligible VISSF members are automatically covered for insured death and disabled benefits. For the more cautious at heart, it’s worth investigating our voluntary insurance extras. Try our handy insurance calculator to see if you have enough cover.

8. Need some extra help? Get in touch with our team

If you have questions about our super to-dos, the VISSF Client Services Team are always here to help. Just call us on 1300 660 027 between 8am and 5pm weekdays. And let’s get you prepared for the year ahead.

*Refer to the Product Disclosure Statement (PDS) and Member Guide for details which are located at www.vissf.com.au/pds-documents

Chant West Super 2018 Pension 2018

My Super News

A focus on accumulation performance

03-Apr-2019

On the back of volatile markets and heightened geopolitical risks, the year ending 31 January 2019 was challenging for investment returns. Read More

Is it time to insure your biggest asset?

03-Apr-2019

Just like Dr. Seuss, at VISSF we believe You matter. And the people you spend time with - your family and friends, they all know how valuable You are too. Read More

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