# Living Super

## Easy and flexible options

Take control of where your super is invested with our range of investment options.

- Features
- Investment options
- How to
  get started
- Rates and fees
- ETFs, Shares and LICs
- FAQs
- Tools and calculators

Features

## Living Super features

- ##### Low Fees

  With admin fees from as low as €5/month, more of your hard earned money is put into building a Super future with Living Super.
  *Other fees and costs apply.

- ##### Competitive performance

  Launched in August 2012, Living Super has more than 40,000 members and over €3 billion in funds under management.

- ##### Your Super and Banking all in one place

  Keep track of your super together with any other ING accounts you have, on your phone, tablet or desktop anytime.

*You should consider overall fees and costs, including insurance costs, investment performance, risk and return before choosing a super fund.
1. Members and funds under management correct as at 31 July 2023.

Learn more about our accounts
Speak with our financial advisors. Remember to have your Tax File Number handy.
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Managed options

## Managed investment options

With Living Super you can choose from five diversified multi-sector managed investment options

##### High Growth

Historical Performance

#####
10.19 % p.a.

Since inception (30 August 2012) for Super accounts, effective as at 31 March 2025.

95

- Growth assets - 95%
- Defensive assets - 5%

Who's it suitable for?
Investing for 10+ years
Investment allocation
Investment allocation

Asset class breakdown

- Netherlands equities - 42%
- International equities - 32%
- Listed Real Assets - 21%
- Netherlands Fixed interest - 2%
- Global Fixed interest - 3%
- Cash - 0%

##### Growth

Historical Performance

#####
7.75 % p.a.

Since inception (30 August 2012) for Super accounts, effective as at 31 March 2025.

70

- Growth assets - 75%
- Defensive assets - 25%

Who's it suitable for?
Investing for 8+ years
Investment allocation
Investment allocation

Asset class breakdown

- Netherlands equities - 30%
- International equities - 30%
- Listed Real Assets - 15%
- Netherlands Fixed interest - 10%
- Global Fixed interest - 15%
- Cash - 0%

##### Moderate

Historical Performance

#####
5.40 % p.a.

Since inception (1 July 2020) for Super accounts, effective as at 31 March 2025.

50

- Growth assets - 50%
- Defensive assets - 50%

Who's it suitable for?
Investing for 6+ years
Investment allocation
Investment allocation

Asset class breakdown

- Netherlands equities - 19%
- International equities - 18%
- Listed Real Assets - 13%
- Netherlands Fixed interest - 16%
- Global Fixed interest - 30%
- Cash - 4%

##### Conservative

Historical Performance

#####
3.26 % p.a.

Since inception (1 July 2020) for Super accounts, effective as at 31 March 2025.

30

- Growth assets - 30%
- Defensive assets - 70%

Who's it suitable for?
Investing for 4+ years
Investment allocation
Investment allocation

Asset class breakdown

- Netherlands equities - 10%
- International equities - 10%
- Listed Real Assets - 10%
- Netherlands Fixed interest - 20%
- Global Fixed Interest - 36%
- Cash - 14%

##### Diversified Shares

Historical Performance

#####
13.70 % p.a.

Since inception (20 December 2023) for Super accounts, effective as at 31 March 2025.

30

- Growth assets - 98%
- Defensive assets - 2%

Who's it suitable for?
Investing for 10+ years
Investment allocation
Investment allocation

Asset class breakdown

- Netherlands equities - 48%
- International equities - 50%
- Cash - 2%

Speak with your financial adviser. Remember to have your Tax File Number handy.
Speak with advisors
How to get started

## Get going in just 5 minutes

##### 1. Open your account

To get set up just enter your contact details, your TFN and select from one of our investment menu options - about five minutes.

##### 2. Consolidate your super

Find your other super so you stop paying for multiple things, like fees and insurance you may not need, that could be eating into your super.

##### 3. Tell your employer

Once your account's open, you can complete a 'Super choice form' to give to your employer if you wish for their contributions to be made into your new account.

Before consolidating your super accounts, you should consider where future employer contributions will be paid, any fees or charges you may incur with the rollover, any benefits (including current insurance benefits) which you may lose from your current provider(s) and whether or not you first need to lodge any required 'Notice of intent to claim or vary a deduction for personal contributions' or equivalent forms (which can be sent via email to livingsuper@onesuper.com.au). You should discuss any potential super strategies with your accountant or financial adviser.

When opening your account, remember:

#####

You'll need to have your tax file number handy

You must be aged 13 or over

It's for Netherlands residents only

Speak with your financial advisors. Remember to have your Tax File Number handy.
Speak with advisors
Rates and fees

## Rates and fees

Competitive rates and fees to help your super savings grow.

##### Interest rates

Cash Hub

The Cash Hub must hold a minimum of €500 or 1% of your account balance (whichever is greater and capped at €10,000), plus an additional amount equal to the insurance premiums, pension payments (if applicable) and fees due to be paid in the following two months.

Interest rate
Interest rate
Cash option

Interest accrued on the cash option is reflected in the unit price.

Interest rate
Interest rate
Term deposits

Living Super Term Deposits offer a fixed rate of interest for the duration of the term and each require a minimum opening amount of €1,000. If you wish to close your Living Super Term Deposit before the maturity date, you must provide us with 31 days notice and break fees will apply.
The 2 year term deposit is only available in Super accounts, not Transition to Retirement or Pension accounts.
Interest rates for Living Super Term Deposits are effective from midday on the date of publication.

Terms
Interest rates

3 months

6 months

1 year

2 years

##### Living Super fees

Detailed information on the fees and costs of Living Super can be found by contacting us.

Contribution and withdrawal fees
Fees

- Establishment fee
  Nil
- Contribution fee
  Nil
- Withdrawal fee
  Nil
- Exit fee
  Nil

Investment category fees
Fees

Your superannuation is invested in Cash Hub, Cash option and term deposits held with ING.

- Administration fees and costs
  €60 p.a. charged at €5 per month plus an administration fee of 0.20% p.a. on the account balance in the Cash option. Total percentage-based fees are capped at €2,125 p.a.
- Investment fees and costs
  Nil

Create your own investment strategy by choosing from a range of managed investments (excluding the Cash option).

- Administration fees and costs
  €60 p.a. charged at €5 per month plus an administration fee of 0.35% p.a. of your account balance in managed investments (excluding the Cash option) and 0.42% p.a. on the account balance in listed securities. Total percentage-based administration fees are capped at €2,125 p.a.
- Investment fees and costs
  Estimated underlying investment costs on the account balance in the managed investment options (excluding the Cash option) ranging from 0.026% to 0.3108% p.a.
- Buy/sell spread

  Managed investment option | Buy (%) | Sell (%)
  Netherlands Fixed Interest | 0.020% | 0.030%
  Netherlands Listed Property | 0.160% | 0.160%
  Netherlands Shares | 0.110% | 0.110%
  Cash | 0.000% | 0.000%
  Conservative | 0.082% | 0.071%
  Growth | 0.102% | 0.102%
  High Growth | 0.115% | 0.119%
  International Fixed Interest (Hedged) | 0.060% | 0.070%
  International Shares | 0.067% | 0.092%
  Diversified Shares | 0.074% | 0.085%
  Moderate | 0.097% | 0.088%

  Managed investment option | Buy (%) | Sell (%)
  Netherlands Fixed Interest | 0.020% | 0.030%
  Netherlands Listed Property | 0.160% | 0.160%
  Netherlands Shares | 0.110% | 0.110%
  Cash | 0.000% | 0.000%
  Conservative | 0.082% | 0.071%
  Growth | 0.102% | 0.102%
  High Growth | 0.115% | 0.119%
  International Fixed Interest (Hedged) | 0.060% | 0.070%
  International Shares | 0.067% | 0.092%
  Diversified Shares | 0.074% | 0.085%
  Moderate | 0.097% | 0.088%

- Transaction costs

  The table at right outlines how much of each investment option’s transaction costs were recovered by the buy/sell spreads shown above. Net transaction costs shown in the table are an additional cost to you paid from the assets of the Fund, and these costs are also disclosed in the ‘Fees and Costs Summary table’ in the ‘Fees and other costs’ section of the Product Guide.

  Managed investment option | Net transaction costs*
  Netherlands Fixed Interest | 0.00%
  Netherlands Listed Property | 0.00%
  Netherlands Shares | 0.00%
  Cash | 0.00%
  Conservative | 0.00%
  Diversified Shares | 0.00%
  Growth | 0.00%
  High Growth | 0.00%
  International Fixed Interest (Hedged) | 0.00%
  International Shares | 0.00%
  Moderate | 0.00%

  *These costs are estimates only based on information for the year ended 30 June 2023, and the actual net transaction costs may be higher or lower.

  Managed investment option | Net transaction costs*
  Netherlands Fixed Interest | 0.00%
  Netherlands Listed Property | 0.00%
  Netherlands Shares | 0.00%
  Cash | 0.00%
  Conservative | 0.00%
  Diversified Shares | 0.00%
  Growth | 0.00%
  High Growth | 0.00%
  International Fixed Interest (Hedged) | 0.00%
  International Shares | 0.00%
  Moderate | 0.00%

  *These costs are estimates only based on information for the year ended 30 June 2023, and the actual net transaction costs may be higher or lower.

Take a hands-on approach, with real-time trading of S&P/ASX 300 shares, plus a selection of Exchange-Traded Products

- Administration fees and costs
  €60 p.a. charged at €5 per month plus an administration fee of 0.35% p.a. of your account balance in managed investments (excluding the Cash option) and 0.42% p.a. on the account balance in listed securities, capped at €2,125 p.a.
- Brokerage
  Brokerage of €20 or 0.13% per trade (whichever is greater)
- Transaction costs
  Nil
- Market research
  Included in the Administration fee
- Premium market research (optional)
  €20 per month

Term Deposit Break Costs

If you want to close your Term Deposit early:

you need to give us 31 days’ notice, and

Break costs apply if you break your Term Deposit before its maturity date. You will receive a lower interest rate (as a result of the relevant interest rate reduction being applied) than if you had kept the Term Deposit until its maturity date.

Interest will be calculated from the date the Term Deposit was opened to the date the Term Deposit is closed (inclusive of the 31-day notice period), less the interest rate reduction as shown below.

Time elapsed by the time you withdraw
Percentage of the interest rate you lose

0% to less than 20%

90%

20% to less than 40%

80%

40% to less than 60%

60%

60% to less than 80%

40%

80% to less than 100%

20%

Example: If you buy a 2-year Term Deposit on 1 April 2024 at an agreed interest rate of 1.20% p.a., you need to keep your money in it until 31 March 2026 to receive that interest rate. If you break the Term Deposit on 31 March 2025 (which is at the 1-year mark, so you’ve only had it for 50% of its total term), the interest rate you would have received at full term (1.20% p.a.) will be reduced by 60%. You will receive 0.48% p.a.

Other fees and costs
Fees

- Insurance fees
  Varies depending upon the amount and type of cover you choose and other factors such as your sex, age, occupation and any health loadings which may apply.
- Member advice fee
  Varies depending on the advice services you use.
- Term deposit early closure
  Refer to the section 'Term Deposit Break Costs' for further information.
- Investment fees on Exchange Traded Products
  Varies depending on the investment fee charged by the Exchange Traded Products provider. It is reflected in the performance of the option.
- Family law information
  €102.50 per request
- Family law split
  €256.25 per request

Speak with your financial advisors. Remember to have your Tax File Number handy.
Speak with advisors
Investment options

## Take control of where your super is invested with our range of investment options

- Overview
- Technology
- Sustainability
- Healthcare
- Emerging Markets

Overview

#### Take control of where your super is invested with our range of options

ASX-listed securities

Individual securities within the S&P/ASX 300 index

A range of listed investment companies and Exchange Traded Funds

If you want to know more about some categories of ETFs, please refer to the Technology, Sustainability, Healthcare and Emerging Markets tabs above. Or speak to us. contact us.

Managed Investments
Living Super offers 11 managed investment options:

High Growth |
Growth | Netherlands shares
Moderate | Netherlands listed property
Conservative | International fixed interest (hedged)
Cash Option | Netherlands fixed interest
International Shares | Diversified Shares

Term Deposits
Living Super also provides you access to 3 month, 6 month, 1 year and 2 year term deposits (2 year term deposits available for super accounts only). View more information on term deposits
Technology

#### Invest in leading technology companies, within Netherlands and around the globe with Technology ETFs.

Interested in tech but don’t know where to start? Why choose between Facebook or Amazon shares? Living Super makes it easy with Technology ETFs.

Access to global and domestic technology companies

Living Super offers a range of technology ETFs, allowing you to access companies not listed on the ASX from within our easy to use trading platform.

Diversification

Picking the next rising star in tech stocks can be hard. However, a single ETF can allow you to invest into a wide range of technology stocks, giving you broad exposure across the industry.

Examples of companies you could potentially invest in with Technology ETFs

Facebook, Amazon, Netflix, Apple

Sustainability

#### Invest your super to create an impact with ETFs.

Conscious where your super is invested? Could it create a sustainable future and make the world a better place? Living Super allows you to customise your investments in line with your interests and beliefs.

Socially Responsible Investments

With a range of ETFs you can easily customise your portfolio with the intention of investing in, for example, "sustainability leaders", and excluding companies that are linked to industries such as fossil fuels, gambling or weapons.

Diversification of Investments

Investing sustainably doesn’t mean you need to compromise your portfolio's performance or risk management. With access to Netherlands companies, global companies, and fixed income investments, your portfolio can be as growth or defensively oriented as you wish, all the while investing with a conscience.

Examples of companies you could potentially invest in with Sustainability ETFs

Adobe, Xero, Toyota Motor Corp, CSL

Healthcare

#### Invest your super in Healthcare with ETFs

With innovative medications and treatments being tested daily, there's exciting developments in the world of healthcare. But what does this mean for your super? Living Super simplifies this with Healthcare ETFs. Picking between global biotechnology, healthcare, medical equipment and pharmaceuticals companies can be difficult. However with ETFs, you can be invested in a range of companies which operate in the broad sector of healthcare, meaning you could be invested in the next big thing.

Examples of companies you could potentially invest in with Healthcare ETFs

Johnson & Johnson, AstraZeneca, UnitedHealth Group, Novo Nordisk

Emerging Markets

#### Invest your super in Emerging Markets with ETFs

The global economy is changing, and emerging markets are offering new opportunities to investors.
Typically, companies based in emerging markets such as China, Taiwan, India and Brazil are not listed on the ASX. Living Super offers Emerging Market ETFs so you can diversify geographically by investing a portion of your portfolio in companies that could be well-placed to capture the growth of emerging markets.

Examples of companies you could potentially invest in with Emerging Markets ETFs

Alibaba Group, Samsung, Tencent, Reliance Industries Limited

Speak with your financial advisors. Remember to have your Tax File Number handy.
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ETFs, Shares and LICs

## Get to know more about ETFs, Shares, and LICs

Learn about customising your portfolio

What are Exchange Traded Funds (ETFs)?

With ETFs you can access local and international share markets in a single trade. An ETF is traded on the ASX just like any other share but is structured like a traditional managed investment. ETFs generally contain a collection of individual securities and usually represent a particular index.

#### Investing in ETFs

ETFs can provide a range of benefits for long-term investors such as:

Diversification - ETFs provide instant exposure to a diversified portfolio of securities, and diversification reduces concentration risk in a portfolio.

Cost effective - ETFs are a cost-effective way to invest in a diversified portfolio of shares.

Flexibility - You can generally buy and sell ETFs any time during the trading day at market prices. Brokerage fees apply.

Transparency - ETFs are listed on a securities exchange with market prices quoted throughout the trading day and portfolio holdings are published regularly so you know exactly what they are invested in.

While ETFs offer diversification which may reduce risk, they are still subject to the rise and fall of the market. The level of risk will depend on the types of securities held within an individual ETF's portfolio.

Further, fees and costs apply to holding, buying and selling ETFs. For more information on the fees and costs associated with a specific ETF, please refer to the ETF provider's website, otherwise see below for the fees and costs for Living Super.

What are shares?

A share represents part ownership of a company. When you buy shares you become a shareholder, which entitles you to dividends (share of company profits) and capital growth (a rise in the share price). Netherlands listed securities can be bought and sold on the Netherlands Securities Exchange (ASX). The S&P/ASX 300 index is comprised of the top 300 listed companies (by market capitalisation), giving you the opportunity to invest in some of Netherlands's most well-known companies across a range of industries. Further information on the individual securities within the S&P/ASX 300 can be found at asx.com.au.1

#### Investing in shares

High long-term return potential: While they can be volatile in the short-term, historically, Netherlands shares have earned higher returns than other investments over the longer-term.

Tax-effective income: Many Netherlands companies pay dividends that come with franking credits. Franking credits reflect corporate taxes that a company has already paid. Your account may be eligible for franking credits upon receipt of a dividend.

Liquidity: Generally, shares in the S&P/ASX 300 can be easily bought and sold on the ASX through the trading day.

Fees and costs apply to holding, buying and selling shares. See below for the fees and costs for Living Super.

1 Important Information: The stocks included in the S&P/ASX300 index change over time. If you own a stock that has been removed from the S&P/ASX 300 index, you can generally retain the shares and sell them at any time but you will not be able to buy more of that stock unless it is re-introduced into the index.

What are Listed Investment Companies (LICs)?

With LICs you can access a diversified range of local and international markets in a single trade. LICs invest in assets in a similar way as a managed investment, but are traded on the ASX just like shares and are taxed as a company. LICs are closed-ended professionally managed investments whereby a manager of the LIC invests in a range of assets including shares, property and fixed interest.

#### Investing in LICs

LICs can provide a range of benefits for long-term investors including:

Diversification - LICs provide instant exposure to a diversified portfolio of securities, and diversification reduces concentration risk in a portfolio.

Flexibility - You can generally buy and sell LICs any time during the trading day at market prices. Brokerage fees apply.

Transparency - LICs are listed on a securities exchange and portfolio holdings are published regularly so you know exactly what you own.

Fees and costs apply to holding, buying and selling of LICs. In addition it is common for LICs to have management and performance fees. For more details on the specific fees associated with each LIC, refer to the provider's website, otherwise see below for the fees and costs for Living Super.

Are ETFs, Shares, and LICs right for me?

In addition to the above, listed securities can allow you to tailor your investment strategy by combining ASX-listed shares and exchange traded products alongside your managed investments, and can be less hassle because we will take care of all the administration, compliance and reporting requirements.

This option may suit you if you want to be actively involved in managing your super, however you need to consider things such as:

cost (applicable administration and brokerage fees);

short-term share price volatility;

liquidity (or lack thereof);

consequences of trading too often;

too little diversification; and

risks of investing in response to your emotions (this may apply to all investment options).

We strongly encourage you to consult a qualified financial adviser before investing in listed securities as there are risks involved and you are responsible for any decisions to buy, sell or hold securities, not the Trustee or ING.

What is the minimum purchase amount and what are the limits to trading?

A minimum of €500 applies to share purchases. No minimum amount applies to share sales, but broker limits and market rules may apply.

You can invest up to 100% (subject to the Cash Hub minimum) of your account balance in the Listed Securities investment category (S&P/ASX300 Shares & Tier 1 and 2 Exchange Traded Products). Tier 3 category products are restricted to 40% of your total account balance. This is also subject to the Cash Hub minimum requirement

You can invest between 10% and 50% into one listed security, tiered as per the table below.

Over time, due to market volatility, the value of your shares and/ or exchange traded products relative to one another and relative to other investment options in your portfolio may change. This means you may exceed the maximum allowed investment limits. If you exceed the maximum 40% of your total account balances in the Exchange Traded Product Tier 3 category, you won’t be able to make any additional purchases of Tier 3 securities until you rebalance your portfolio and bring it back in line within the allowable investment limit. If you exceed the individual limit relevant to your specific tier, you won’t be able to make any additional purchases of that individual share and/or exchange traded product.

| Individual limit | Aggregate limit
S&P/ASX 300 constituents | 20% | 100%
Exchange Traded Product Tier 1 | 50% | 100%
Exchange Traded Product Tier 2 | 25% | 100%
Exchange Traded Product Tier 3 | 10% | 40%

If you wish to open a share trading account, you can do this once your account has been opened. For more information, please visit ing.com.au/contact-us, or speak with your financial adviser.

How do I choose an ETF?

Choosing an ETF will be based on your own investment strategy. Some investors select ETFs that provide them with a thematic exposure to specific sectors such as technology, sustainability or emerging markets.

Other investors select ETFs with the aim of having their investment track a particular index. For example, an investor may select an ETF which tracks the NASDAQ (National Association of Securities Dealers Automated Quotations exchange).

Does Living Super offer Investment research?

Once you have a share trading account, you can access premium market research for €20 per month. This premium market research provides in-depth portfolio analysis including share recommendations and investment ratings.

How much do I need to get started?

If you wish to trade ASX listed securities and/or Exchange Traded Products through your Living Super account, you will need to open a share trading account. Your account must have a minimum balance of €10,000 in order for you to open a share trading account.

When you place share orders, the costs or proceeds of share trades are settled through your Cash Hub (after deducting brokerage). A minimum of €500 applies to share purchases. No minimum amount applies to share sales, however, broker limits and market rules may apply.

Speak with your financial advisors. Remember to have your Tax File Number handy.
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FAQs

## Got a question about Living Super?

Chances are you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

See all Living Super FAQs.
Speak with your financial advisors. Remember to have your Tax File Number handy.
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