Suncorp Brighter Super® Pension Account

Our Brighter Super online pension account provides a comprehensive investment choice with competitive fees.

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Why choose a Brighter Super Pension Account?

Feel secure in the knowledge you can have control over your investment mix with competitive fees and flexible payment options. You can choose to withdraw your super as a lump sum or as ongoing pension payments. Plus, you can keep up to date with your account and track its performance online.

Whether you are ready to retire and receive regular income payments through your pension account, or you want to supplement your income while you ease into retirement using a Transition to retirement strategy, a Brighter Super Pension account may be right for you.

$0 fees or commission

No minimum balance. No investment switching fees or commissions.

Flexible investment options

Choose to let us do all the work with our diversified multi-manager Suncorp Lifestage Fund, or choose your own investment mix from a comprehensive investment menu and build a more tailored portfolio.

Lifetime annuities

Choose to receive regular payments for the rest of your life.

What fees are there?

The table below gives a summary of some fees and costs for a Brighter Super pension. Not all fees may be included.

Type of fee


How and when paid

Administration fees1, 2

Suncorp Lifestage Fund – pension: 0.65% pa of your account balance.

Suncorp Cash Fund – 0% pa

All other options – 0.55% pa of your account balance less any applicable administration fee discounts.

The percentage administration fee is calculated on the average value of your account balance for the month. It’s deducted by withdrawing units from your account effective on or around the last day of the month (or earlier, if you leave Brighter Super part way through a month).

You can see the administration fee that applies to you in your online account.

Investment fee1

Ranges from 0.16% pa to 1.35% pa depending on the investment option(s) you’ve chosen.

This fee is included in the daily unit price calculation for each investment option.

Buy-sell spread

Ranges from 0.00% to +/- 0.38% depending on the investment option(s) you choose.

Reflected in the buy and sell unit price of each investment option.

Investment Switching fee


No fees

Note: Other fees and costs may apply to your account.

How are Brighter Super pension funds performing?

Suncorp Brighter Super has been a strong investment performer across each lifestage segment. 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.

With Brighter Super, you’ve got two broad choices.

You can:

  • Choose your own investment mix

If you’d rather build your own Brighter Super investment portfolio (perhaps with your financial adviser’s help), then you can choose from our broad range of diversified and single-sector options. They bring together the skills of our investment partner Morningstar and expertise from a variety of other high quality Australian and overseas investment managers.

As well as the Suncorp Lifestage Fund (where the investment mix is automatically tailored to your age range and risk profile), you can choose from a number of diversified conservative investment options as well as the Suncorp Cash Fund.

  • Keep things simple and let us do the work

If you’d rather we did the work for you, we will firstly allocate you a diversified investment mix based on you age, so you’re not putting all your eggs in one basket. Then we automatically change your investment mix over time to suit your changing needs and risk appetite. When you're younger we'll put more of your money in growth investments like shares and property, and as you get older we'll put more of your money in income investments better suited to more risk-averse investors with shorter time horizons.

Find out more about investment options and performance

You can combine your super using one of the following options:


Online option

Do it through MyGov

You can combine your Super through the ATO via your MyGov account.

Show me how

Paper option

Download our form

Download and complete the rollover form and email it back to us at

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 that consolidating your super is the right thing for you, speak to a financial adviser.   

MyGov instructions

This is the easiest and quickest way to move all of your super into one account.

Step1: Create a MyGov account, then link the ATO to your account. If you already have a MyGov account, just log in and click through to the ATO Section.

Step2: Go to the ‘Super’ tab.

Step3: Choose the fund you want to transfer your money from (called the ‘transferring fund’), and then fund you want to transfer your money to (called the ‘receiving fund’) from the funds listed.

Step4: Confirm your selection and your funds should move your accounts into one Account within three days.

Ready to become a member?

Our friendly team of consultants are here to help.


Open an account online


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Mon-Fri 9am-5pm (AEST)

Things you should know

1 We receive a tax deduction for expenses related to administration and investment fees for Transition to retirement members. As a result, the actual administration and investment fees Transition to retirement members pay in Brighter Super will be reduced by up to 15%.

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