Brighter Super

Why choose Suncorp Brighter Super?

Market leading returns*

The Suncorp Multi-Manager Growth Fund investment option in Suncorp Brighter Super^ has delivered an annualised return of 8.22% p.a. over the last 3 years to 30/06/2020^^

Transparent fees

Transparent fee structure based on your account balance & investment type, including no investment switching or advice fee.

Comprehensive insurance

Insurance from a trusted brand. Adjust your insurance to suit your needs with a range of insurance available.

Flexible investment options

Choose your own investments or relax and let us do the work for you!

How we invest your money?

Choose to be as involved or as hand-off as suits. Or want a bit of both? We can do that too!

Choose your own mix

Suitable for:

Those who prefer to be more hands-on in their investment strategy.

How it works:

Choose from a range of Australian and international investments across a broad range of multi-sector and single-sector asset classes.

Change as often as you like, we don't charge switching fees, although there may be a buy/sell spread incurred (refer to the PDS for detail regarding fees and costs).

Investment fee¹
From 0.16% p.a to 1.35% p.a

Administration fee^1,2
Up tp 0.65% of your balance

Buy-sell spread
From 0.15% to +/- 0.38%

Switching fee
$0

We do the work for you

Suitable for:

Those who prefer to be more hands-off so they can get on with other things.

How it works:

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.

Investment fee¹
0.21% p.a

Administration fee^1,2
0.76% of your balance

Buy-sell spread
From +/- 0.08% to +/-0.10%

Switching fee
$0

Managing your account

Manage your investments and monitor your balance 24/7 from within your online account.

How to change your investment mix:

Login to the member portal here
Under the navigation item ‘Grow my Super’, navigate to ‘Investments’
Scroll down and select ‘Change my investments’
Select your preferred partial of full investment switch and preferred investment option

Compare the performance of our investment options

Please note other fees and costs may apply to your account, view the Product Disclosure Statement for a full list of fees.

Insurance from a brand you can trust

Life Cover

Generally, a lump sum benefit, that is paid if you die (or earlier if you become ‘terminally ill'). Receive up to a maximum insured amount of $5 million (including a maximum of $3 million for terminal illness cover).

Total & Permanent Disablement cover

A lump sum benefit is paid if you become ‘totally and permanently disabled’. Receive up to a maximum insured amount of $3 million.

Income Protection cover

A monthly benefit is paid if you become ‘totally disabled’ or ‘partially disabled’. Receive 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/month. Two year benefit period or until you reach age 65, plus choice of 30, 60 or 90 day waiting period.

Manage your insurance online

Log in to your online account to check you have the cover you need, apply to increase, reduce or cancel your insurance cover.

Security and Convenience

Manage your super on the go

Already a Suncorp Bank customer? Enjoy the ease & convenience of seeing your super right beside your banking!

Local support on hand to help you maximise your super
Be kept up to date & receive helpful tools & tips
Keep an eye on your super & manage it real time

Superannuation balance in the Suncorp app

After further detail?

Download our Product Information Documents or see our Super FAQs or all documents & forms.

Suncorp Brighter Super Product Disclosure Statement

Suncorp Brighter Super Product guide

Consider joining Suncorp Brighter Super today

Open an account in minutes & we can also check for your share of $17bn^ in lost super held by the ATO.

Open your account now

Things you should know

* Past performance is not a reliable indicator of future performance. Market leading based on SuperRatings’ ranking of balanced (60 -76) superannuation investment funds performances over 1 and 3 years to 31 July 2020 (Source: https://www.superratings.com.au/top-10-super-funds). The returns are calculated net of taxes and fees such as the investment fee, investment performance fee and applicable indirect costs and is gross of administration fees. This has been done for comparative purposes with the SuperRatings indices. When calculating investment performance, contributions taxes, withdrawal fee and any discretionary ongoing fees such as insurance fees and personal advice fees or other arrangements you may have in place with your advisor are not taken into account.

^ The Suncorp Multi-Manager High Growth Fund is an investment option available in Suncorp Brighter Super, which is issued by Suncorp Portfolio Services Limited ABN 61 063 427 958 AFSL 237905 as trustee for the Suncorp Master Trust ABN 98 350 952 020 RSE Fund Registration No R1056655. It is a high growth/high risk investment option managed by Morningstar Investment Management Australia Limited ABN 54 071 808 501 (Morningstar) which is not part of the Suncorp Group. The Growth Fund option has a high risk of negative annual returns over any 20-year period. The recommended minimum length of time to invest in the Fund is 10 years. Before making any decision to acquire or continue to hold Brighter Super, invest in or switch into any investment option including the Fund, please read the Brighter Super Product Disclosure Statement and Product Guide for further details about investment options including applicable fees, and speak to a financial adviser.

^^ 3 year annualised return is based on SuperRatings’ information available at https://www.superratings.com.au/top-10-super-funds and are calculated net of taxes and fees such as the investment fee, investment performance fee and applicable indirect costs and is gross of administration fees. When calculating investment performance, contributions taxes, withdrawal fee and any discretionary ongoing fees such as insurance fees and personal advice fees or other arrangements you may have in place with your advisor are not taken into account. Past performance is not a reliable indicator of future performance.

¹ The investment fee is charged by the investment manager of the underlying investment option and may be varied by the investment manager. As this is an expense of our super fund, for investment options not issued by us, these variations will be passed on to you without notice. For further information please refer to the relevant Product Guide. 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.

² The percentage investment and administration fees have been rounded to two decimal places.