Why choose Brighter Super?
For a customised investment strategy, added support and access to financial advice, opt for Brighter Super. This is the super choice that gives you the control, flexibility and tailored investment and insurance options to see you through to a comfortable retirement.
Tailor your super
Customise your investment portfolio and insurance cover to suit your preferences.3
Flexible investment options
Enjoy a comprehensive choice of investment options for greater control and flexibility.
Online & mobile access
Manage your super 24/7 by logging into your online account from wherever you are.
How has this fund performed?
Suncorp Brighter Super has been a strong investment performer across various lifestage segments. With Brighter Super, you have control over how your super is invested and your financial choices will have a bearing on the long-term performance outcomes of your fund.
If you don’t want to choose your investment option and just want to leave it to the experts, we will do all the work for you. Our lifestage investment strategy allocates a diversified investment mix based on age and automatically changes your investment mix over time to suit your changing needs and risk appetite.
This means that when you're younger we put more of your money towards growth investments, like shares and property, then as you get older, we allocate more to income investments, which have lower risk and suit shorter timeframes.
Insurance
Generally, taking out insurance cover within your super is cost-effective because your insurance fees are deducted from your super account balance. This means you don’t have to dip into your take-home pay, as you would if you arranged insurance cover outside super.
By attaching insurance to your Brighter Super account, you can have your insurance fees conveniently and tax-effectively deducted from your account balance.
Insurance options available to you and your family include:
- Up to 75% of your salary plus optional super contributions of up to 10% of your salary, up to a maximum insured amount of $25,000 per month.
- Two year benefit period or until you reach age 65.
- 30, 60 or 90 day waiting period.
Find and combine your super
It’s quick and easy to find your super. Use our online Search and Combine tool to search the ATO and other super funds and find all of your super accounts. You can then choose which accounts you’d like to consolidate with Suncorp. It’s all done online, no paperwork required, and only takes a few minutes.
Login to your online account
Search
Under the 'Grow my Super' Tab, select the 'Search & Combine' option, then enter your Tax File Number. By using our tool, you are providing your consent to transfer any ATO held monies to your Suncorp super account found during the search.
See your results
Answer your security questions then click 'Submit' to see your results.
Consolidate
Choose which other super fund monies you’d like to consolidate and you’re done!
Not a Suncorp super member?
Explore account options and join in a few easy steps. Alternatively, register with myGov to find and manage your super using the ATO’s online services.
Before you consolidate your super, you should check with your other super funds about any exit fees or loss of insurance or other benefits. If you’re unsure about whether consolidating your super is the right thing for you, speak to a financial adviser.
Ready to become a member?
Our friendly team of consultants are here to help.
Things you should know
1 We receive a tax deduction for expenses related to super investment and administration fees. As a result, the actual super investment and administration fees you pay in Brighter Super will be reduced by up to 15%. The difference in super and pension administration and investment fees is due to the effect of tax deductions we receive for super and pension accounts.
2The percentage investment and administration fees have been rounded to two decimal places.
3Eligibility criteria apply. Consider the Brighter Super Product Disclosure Statement and Product Guide.
4A person must be “gainfully employed” on a “permanent basis” for at least 15 hours per week for TPD and income protection cover.
