ANZ Smart Choice Super.
Super. Easy.
Set up in just five minutes,
in app or online.
ANZ Smart Choice Pension is an easy, affordable way to go about your retirement. Receive a regular pension payment that works for you, while enjoying the simplicity of online management alongside your other ANZ bank accounts. It offers investment choice between a Lifestage option (automatic adjustment of assets as you get older) or self-select options from a range of multi-asset and single-asset investment options. Additionally, it offers options for insurance in pension.
Manage your pension and banking together online.
You could save on your pension with below average fees that keep more of your super in your fund.disclaimer
Our investment experts select a mix of investments which adjust based on your agedisclaimer – so the hard work is already done.
You can have peace of mind with cover to help look after those who depend on you after you're gone. Choose from either Lifestage cover (where the amount of cover adjusts based on your age) or the ability to select a cover amount.
It's easier to keep an eye on things when they're all together in the one place.
With ANZ Smart Choice Pension, you can manage both your pension and your everyday banking online in a way that suits you. You can check your balance, transactions and see your investment performance at a glance.
Enjoy easy access via your computer with ANZ Internet Banking and on your smartphone or tablet with the ANZ App.
ANZ Smart Choice Pension is suitable for clients who have met a relevant condition of release and want to draw an income from their pension account.
Not suitable for clients who:
After working hard for so many years, it's time for some good news.
ANZ Smart Choice Pension keeps fees lowdisclaimerby offering a carefully curated set of investment options and by empowering you with tools to manage your account online.
Please refer to the ANZ Smart Choice Super and Pension Product Disclosure Statement (PDF) to learn more about fees and other costs.
See how ANZ Smart Choice Pension fees compare (PDF)
Even when you're retired, you still need your money to be working for you.
ANZ Smart Choice Pension gives you carefully selected, affordable options that offer the flexibility to invest how you want.
Choose your own investment mix by constructing your own portfolio from a range of multi-asset and single-asset investment options or opt for the Lifestage investment option, which automatically selects and adjusts your investment mix based on your age.disclaimer
Use our investment tool to see which investment may work for you. Select either 'Invest in your Lifestage option' tab or 'Choose your own investment mix' tab to get started.
Understand how a pension account works to get more from your retirement:
ANZ Smart Choice Pension offers peace of mind with Death only cover to help look after those who depend on you after you're gone. 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.
When you join or apply for cover you must bedisclaimer
Other conditions or benefit exclusions may apply.disclaimer
After you initially complete an online application form, our concierge service will guide you through the set-up process.
We'll get you started by helping you combine your super accounts into one, make the move to a pension structure and establish an income stream.
Choose how much you want to receive, and how often (subject to minimum payments required by law).
Have your pension paid monthly, quarterly, half-yearly or annually to your nominated ANZ bank account. And for extra flexibility, you can also make one-off withdrawals from your account.
ANZ Smart Choice Super and Pension is provided by OnePath Custodians Pty Limited.
It takes ten minutes to apply online for ANZ Smart Choice Pension.
Log in to check your balance and transactions, adjust your investment mix and more.
If you have any questions our customer service team is here to help.
Mon-Fri 8:30am to 6:30pm (Sydney/Melbourne time)
Information on how ANZ Smart Choice Super and ANZ Smart Choice Pension are performing.
Stay informed of important changes that may impact your ANZ Smart Choice Pension account.
“ANZ Smart Choice Super” is a suite of products consisting of ANZ Smart Choice Super and Pension (PDF), ANZ Smart Choice Super for employers and their employees (PDF) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF). The ANZ Smart Choice Super and Pension product is distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522). We recommend that you read the ANZ Financial Services Guide (PDF), before deciding whether to acquire or continue to hold this product. View the ANZ Smart Choice Super and Pension Target Market Determination (PDF). 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). 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 Insignia Financial Group of companies, comprising Insignia Financial Ltd (formerly IOOF Holdings Ltd) ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group). 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 Insignia Financial 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 here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
The ANZ App is provided by ANZ. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. ANZ recommends that you read the ANZ App Terms and Conditions available at anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
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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) or call 13 12 87.
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) or call 13 12 87.
ReturnThe investment mix is selected based on the member’s decade of birth.
ReturnCover ceases when the member reaches age 75 for Death insurance.
ReturnOther conditions and benefit exclusions may apply as disclosed in the ANZ Smart Choice Super and Pension Additional Information Guide (PDF 1MB).
Return