Common Questions

Not sure whether our Member Advice Consultants can help you with your AvSuper decisions? Here is a list of common questions we get asked by members…


  • How much do I need to contribute to have enough money in retirement?
  • Pre-tax or post-tax – which contribution type is best for me?
  • Should I contribute to my Defined Benefit or my accumulation account?
  • What are the contribution limits? Will I exceed my limit? What happens if I exceed my limit?
  • How often can I change my contribution rate?

Investment Options

  • How do I know which option is the right option for me?
  • When should I review / switch investment options?
  • What is unit pricing?
  • What is the best approach for maximising the return on my super?
  • Should I just invest in one option or more than one?

Income streams

  • When can I retire?
  • What are the implications of a 15% tax on TTRs?
  • Should I transfer all my super into an Income Stream?
  • Do I have to take an Income Stream at some point?
  • Can I get an Income Stream while I’m still working?
  • Do I have enough money to fund retirement now? If not, what can I do?
  • How do I manage an Income Stream and Centrelink entitlements?
  • Should I sell some assets to build my super, or not?


  • Can you give me advice about my other super / insurance?
  • Can you provide advice to my spouse / partner?
  • What does my statement mean?
  • Can my new employer contribute to AvSuper for me?


  • How much insurance cover do I need?
  • What is income protection insurance cover?
  • Why do I need insurance cover?
  • What factors do I need to consider to decide how much cover I need?

This information is of a general nature only and does not take into account your personal objectives, situation or needs. Before making a decision about AvSuper, you should consider your own requirements and the relevant Product Disclosure Statement (PDS). For a copy call us or visit the AvSuper website, AvSuper Pty Ltd (ABN 46 050 431 797, AFSL 239078) is the Trustee of the AvSuper Fund (ABN 84 421 446 069). Printed 24 May 2022.