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ANZ Smart Choice Super

ANZ Smart Choice Super is a flexible and low cost super solution with fees in the lowest 25% of all super fundsdisclaimer, that can be taken from job-to-job with a seamless transfer to pension at retirement.

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Benefits for you 

Low fees and no hidden charges

ANZ Smart Choice Super’s fees are in the lowest 25% of all super fundsdisclaimerand won’t erode your super balance like some other funds.

Strong performance

Over the medium to long-term (three to five years) ANZ Smart Choice Super has exceeded its investment objectives for all Lifestage funds disclaimer. Find out how ANZ Smart Choice Super has performed.

 

 

Smart investments that adjust with your age

Our investment experts select a mix of investments which adjust based on your agedisclaimer – so the hard work is already done.

Watch your super grow

Stay in control of your super and watch it grow alongside your other ANZ bank accounts through ANZ Internet Banking or the ANZ App.

Insurance cover to suit

You can have peace of mind with a range of insurance options to have you covered if the ‘unexpected’ happens.

Find your super in a few clicks

Find all your other super account(s)disclaimer - including any you've lost along the way and, if you want to, we’ll help you bring them all together in just a few clicks.


Smart investments

Your super automatically prepares you for retirement - now that’s smart.

Designed to suit no matter where you are in life, your Lifestage investment option selects a mix of investments based on your agedisclaimer and adjusts them as you get older – so the hard work’s already been done.

If you want a more active role in your investment decisions and the ability to construct your own portfolio, you can choose your own investment mix from a range of multi-asset and single-asset investment options. You can then compare or change your investments at any time through ANZ Internet Banking.

Use our investment tool to see what may work for you. Select either 'Invest in your Lifestage option' tab or 'Choose your own investment mix' tab.

Three steps to join ANZ Smart Choice Super

1. Apply online in five minutes

Simply open an account online, log into ANZ Internet Banking, or call Customer Services on 13 12 87.

2. Tell your employer

Tell your employer to pay your super into your ANZ Smart Choice Super account. Login to your account via ANZ Internet Banking and download a pre-filled form and give it to your employer.

3. Search for super

Login to your account via ANZ Internet Banking to find all your other super account(s)disclaimer - including any you've lost along the way and, if you want to, we’ll help bring them all together.


Choose the super fund that's right for you

ANZ Smart Choice Super is suitable for clients who want a super product that can transfer to pension at retirement. It offers investment choice between a Lifestage option (automatic adjustment of investment mix as you get older) or self-select from a range of multi-asset and single-asset investment options. Additionally, it offers options for insurance in super.

Not suitable for clients who:

  • Need access to their investment capital before retirement
  • Have no access to a computer or the internet
  • Are looking to trade and hold equities (such as shares) directly.

For more details, see the relevant important documents below.

 

 

Who opens your account?

MySuper product

What are my investment options?

 

What are my insurance options?

ANZ Smart Choice Super and Pension

You

No

Death cover and Total and Permanent Disability cover 

  • Lifestage or
    Choose your own

Income Protection

How much cover will I need?

What cover will I get?

ANZ Smart Choice Super for employers and their employees

Your current (or past) employer

Yes

Death cover and Total and Permanent Disability cover 

  • Lifestage or
    Choose your own

  • Some employers may offer Tailored cover

Income Protection

How much cover will I need?

ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees

QBE Management Services Pty Ltd or an associated employer

Yes

Tailored insurance cover

How much cover will I need?

Insurance in Super

ANZ Smart Choice Super offers a range of insurance options within super including Death, Total and Permanent Disability and Income Protection. You can choose your own level of cover or choose the convenience of Lifestage cover based on your age, which automatically increases when you’re likely to have greater commitments and lowers when you’re likely to have less.

Eligibility criteria includes:

  • Must be aged between 15 and 64 at time of joining or applicationdisclaimer
  • Are an Australian Resident or Visa holder
  • Are residing in Australia
  • When choosing your own Income Portection Cover, are working at least 15 hours a week and not on a casual basis.

Other conditions or benefit exclusions may applydisclaimer.

Learn more about insurance in super options in the ANZ Smart Choice Super and Pension Key Fact Sheets (PDF 67kB).

Trustee and Fund information

ANZ Smart Choice Super is issued by OnePath Custodians Pty Limited.

Product dashboards

Compare ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super – QBE with other MySuper products.

Your super is your independence. Get on top of it today.

Open an account online

It takes five minutes to apply online for ANZ Smart Choice Super.

Open an account

Manage my account

Log in to find your super, check your super balance, adjust your investment mix and more.

Log in

Talk to us

If you have any questions our customer service team is here to help.

Call 13 12 87

Mon-Fri 8:30am to 6:30pm (AEST)

Use the ANZ App

Open an account, find your super and check your super balance in the ANZ App (on iOS only).

Learn why super is important

Super's role in gaining your independence

See our survey results on Australians putting their future independence at risk because they don’t understand super.

   

Superannuation makeover for Millennials

Are your savings in need of a makeover? Watch John’s story and then get a copy of our new guide.

  

Superannuation makeover for Gen X

All the information you need to make small changes now that will lead to the life you really want once you stop working.

  

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Baby Boomers’ superannuation makeover

Are your savings in need of a makeover? Watch Joe’s turnaround story and then get a copy of our new guide.

  

Product information and forms

Product updates

Read the latest updates about product, insurance or regulatory changes that may impact your ANZ Smart Choice Super account.

Learn more

Forms

Find the form you’re looking for.

Find a form

Downloads - important documents

Talk to us

How to make a complaint, compliment or provide feedback

We value your feedback regarding our performance and we’re committed to resolving any concerns you may have. If you have a complaint about ANZ Smart Choice Super and/or Pension (or wish to obtain further information about the status of an existing complaint), please:

Call us on:

13 12 87 weekdays from 8:30am to 6:30pm (Sydney/Melbourne time)

+61 2 9234 6112 for international clients

 

Email us at: superfeedback@ioof.com.au

Lodge an online compliment, suggestion or complaint

Write to:

OnePath
GPO Box 5306
Sydney NSW 2001

Where possible, concerns will be resolved straight away. 

Where this is not possible or further investigation is required to resolve your complaint, our ClientFirst team will acknowledge your complaint within one business day and will consider and respond to your complaint as quickly as possible. At any stage you're welcome to contact your assigned Case Manager for an update on the progress of your complaint.

Your complaint will be reviewed in line with our principles: 

  • Be human - we treat those around us the way we’d like to be treated – openly, honestly and respectfully. 
  • Deliver what matters - we make sure we understand what matters to every client and we make it happen. 
  • Stronger together - only by working together can we truly serve our clients.
  • Keep it simple - we remove complexity.
  • Do what’s right, not what’s easy - we back ourselves to make the right call. We speak up.

If you are not satisfied with the resolution offered, you can lodge a complaint with the Australian Financial Complaints Authority, or AFCA.

Australian Financial Complaints Authority (AFCA)

AFCA offers fair and independent complaint resolution service that is free to consumers.

Website: www.afca.org.au

Email: info@afca.org.au

Telephone:

1800 931 678 (free call) - on weekdays (except on public holidays) from 9am to 5pm (Sydney/Melbourne time).

In writing to:

Australian Financial Complaints Authority
GPO Box 3
Melbourne VIC 3001

There are some time limits for lodging certain complaints. This includes complaints about the payment of a death benefit, which you must lodge with AFCA within 28 days of being given our written decision.

IOOF Group Complaints Policy documents

IOOF Group Complaints Policy (PDF, 715kB) 

IOOF Group Complaints Policy – Arabic (PDF, 1.8MB)

IOOF Group Complaints Policy - Greek (PDF, 1.8MB)

IOOF Group Complaints Policy – Italian (PDF, 1.7MB)

IOOF Group Complaints Policy - Simplified Chinese (PDF, 1.8MB)

IOOF Group Complaints Policy - Traditional Chinese (PDF, 1.9MB)

IOOF Group Complaints Policy - Vietnamese (PDF, 1.8MB)

IOOF Complaint Acknowledgment Flyer (PDF, 314kB)

“ANZ Smart Choice Super” is a suite of products consisting of ANZ Smart Choice Super and Pension (PDF 189kB)ANZ Smart Choice Super for employers and their employees (PDF 186kb) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF 198kb). The ANZ Smart Choice Super and Pension product is distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522). View the ANZ Smart Choice Super and Pension Target Market Determination (PDF 252kB). ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees are MySuper compliant products issued pursuant to the latest PDS available at anz.com/smartchoicesuper. View the ANZ Smart Choice Super for employer and their employees Target Market Determination (PDF 464 kB). ANZ Smart Choice Super is part of the Retirement Portfolio Service (the Fund) (ABN 61 808 189 263) and is issued by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346, RSE L0000673) (OPC), the trustee of the Fund. OPC is a member of the IOOF Group of companies, comprising IOOF Holdings Limited ABN 49 100 103 722 and its related bodies corporate. The Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522) brand is a trademark of ANZ and is used by OPC under licence from ANZ. ANZ and the IOOF Group of companies (including OPC) are not related bodies corporate. ANZ does not stand behind or guarantee these products.

Before re-directing your super or moving your money into ANZ Smart Choice Super, you will need to consider whether there are any adverse consequences for you, including loss of benefits (e.g. insurance cover), investment options and performance, functionality, increase in investment risks and where your future employer contributions will be paid. 

This information is of a general nature and has been prepared without taking account of your personal needs, financial situation or objectives. Before acting on this information, you should consider whether the information is appropriate for you having regard to your personal needs, financial circumstances or objectives.

All fees are subject to change. Other key features are relevant when choosing a super fund, including performance.

Taxation law is complex and this information has been prepared as a guide only and does not represent taxation advice. Please see your tax adviser for independent taxation advice. The information on insurance cover is a summary only of the terms and conditions applying to the insurance cover. To the extent there is any inconsistency with the terms of the insurance cover provided by the insurer, the terms of the insurance policy will prevail.

ANZ does not represent or guarantee that access to ANZ Internet Banking or the ANZ App will be uninterrupted. Temporary service disruptions may occur. ANZ recommends that you read the ANZ App Terms and Conditions available at www.anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.

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Fee Analysis: Research conducted by SuperRatings Pty Ltd, holder of Australian Financial Services Licence No. 311880 at the request of OPC. For a copy of the latest SuperRatings research, click here (PDF 146kB) or call 13 12 87.

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Performance to end of December 2020.

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The investment mix is selected based on the member’s decade of birth.

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Note: if the ATO‘s SuperMatch service is not available, we will not be able to search for your other super account(s).

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The amount of cover you can apply for depends on your age and gross annual income at the time you apply for cover. To determine whether to accept your application for cover, we may ask you some health, occupation and lifestyle questions. The number of questions we ask you may vary depending on the level of cover you select.

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Cover ceases when the member reaches age 75 for Death insurance and 65 for TPD and Income Protection insurance.

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Other conditions and benefit exclusions may apply as disclosed in the ANZ Smart Choice Super and Pension Additional Information Guide (PDF 599kB).

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