Join Future Super

Tell us about yourself

Ready to build a future worth retiring into? Brilliant. Get your tax file number and mobile phone handy. This whole process should only take a few minutes.

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Pension Fund

Free your pension from fossil fuels.

Now you can draw down on your retirement savings with a fossil fuel free pension. Intended for everyday Australians who want to shift their retirement savings away from activities which are harmful to the environment and society, and instead want to see their super invested in companies which make a positive impact.

Sign up for our pension fund

Growth Pension

Our fossil fuel free pension
Likely to suit members who are...

...seeking both growth and income from their retirement savings and a balance between risk and return.

Investment objectives

CPI + 2.50% per annum over rolling ten-year periods (after fees and taxes).

100% divestment

0.874% p.a. + $1.80 per week

That would be $530.60 per year on a balance of $50,000.

Recommended minimum investment timeframe

Minimum 4-6 years

Asset allocation

70% Growth


Australian shares


International shares

30% Defensive


Fixed Interest



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Standard risk measure


4 to less than 6 estimated negative annual returns over any 20-year period.

* Read our Pension Product Disclosure Statement for full details on how fees apply to your Future Super account. The fees shown above are the total Investment Fees, Administration Fees and Indirect Cost Ratio payable for our pension option. Other fees and costs may apply to your account.

Pension FAQs

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What is an Account-Based Pension?

An Account-Based Pension is a simple, single account for those who have met a condition of release and will no longer be making contributions to their super. You can receive flexible payments (subject to age-based minimums) on a timeline that suits you, and make lump sum withdrawals at any time.

Please read our Product Disclosure Statement and other important documents before deciding to open a pension fund. 

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How much do I need to start a pension account?

A pension account needs an initial minimum investment of $20,000. This initial investment can be rolled over from your current super account, pension account or personal bank account. It’s important to remember that you can’t make further contributions once your pension account has been established.

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At what age can I start a pension?

To open a pension account you will need to satisfy a condition of release.

To satisfy a condition of release, you will need to have: 

  • reached your preservation age and retired; OR
  • left a job since reaching age 60; OR 
  • reached age 65 (even if you haven't retired); OR
  • permanent incapacity

For more information about opening a pension, please read our Product Disclosure Statement.



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Is there a minimum amount I need to withdraw each year from my pension?

Yes! Please see the below minimum annual pension payments. For more information about opening a pension, please read our Pension Product Disclosure Statement.

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How do I join Future Super’s pension fund?


To set up a pension account you can submit a paper pension application form.

For all the important information needed to make an informed decision about joining the Future Super Pension Plan please read our Pension Product Disclosure Statement.

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How does a pension work?

A Future Super pension account allows you to draw a regular income from your retirement savings while investing them in line with your values.

You can choose to get monthly, quarterly, half-yearly or annual payments and you can usually choose how much you receive (within the mandated minimums outlined in the Pension Product Disclosure Statement).

Also see