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Features at a Glance

Key FeaturesPersonal Superannuation ServicePersonal Retirement Service
Who can invest?Individuals under 75 years and employed or self-employed full-time or part-timeIndividuals:
- aged 55 years or over, not employed permanently and'or working less than 10 hours per week;
- aged 55 years or over and still employed (transition to retirement pensions);
aged between 60 and 64 years and retired or resigned after turning 60 years;
aged 65 years or over; and
- permanently incapacitated.
Minimum initial contribution$2,500$10,000
Minimum additional contributionsNo minimumNot applicable
Minimum Regular Investment Plan$200 per monthNot applicable
Types of contributions accepted- Concessional contributions
- Non-concessional contributions;
- Transfers or rollovers from other superannuation funds;
- Transitional Employment Termination Payments (refer to the 'Making Contributions' section of the Reference Guide)
- Government co-contributions
Generally only superannuation benefits payable from a superannuation fund.
Contribution payment options- BPAY;
- Direct credit;
- EFT; and
Clearing House facilities
Not applicable
Automatic RebalancingAvailableAvailable
Cash SweepAvailableAvailable
Access to benefitsUnrestricted non-preserved benefits can be withdrawn at any time.

All other benefits are subject to regulatory restrictions.
Your pension payments can be paid:
- monthly;
- quarterly;
- half-yearly; or
- annually.
Minimum withdrawalsNo minimum, subject to a minimum balance of $2,500 or $5,000 for members with insurance cover (withdrawals are subject to government preservation requirements).Pension payments are subject to government age based minimums.

Lump sum withdrawals/Commutations - no minimum transaction amount, subject to a minimum balance of $2,500.

Please note: Transition to Retirement Pensioners are not eligible to make Lump sum withdrawals/Commutations.
Investment options- Cash;
- MySuper MyLife (the Service's MySuper default option);
- Managed Funds (diversified multi-sector options as well as a range of external managed fund options);
- Direct Shares (S&P/ASX 300 listed securities; and
- Term Deposits
- Cash;
- Managed Funds (diversified multi-sector options as well as a range of external managed fund options);
- Direct Shares (S&P/ASX 300 listed securities; and
- Term Deposits
Minimum investment amounts$200 per Managed Fund investment (certain underlying funds may have higher minimum investment requirements); and
$1,000 per share trade or security (minimum parcel size requirements may also apply).
$200 per Managed Fund investment (certain underlying funds may have higher minimum investment requirements)
$1,000 per share trade or security (minimum parcel size requirements may also apply).
Minimum Cash Account requirement 1% of your account balance, plus three months of insurance premiums (where applicable).1% of your account balance, plus three months of pension payments.
Member communications- Annual member benefit statement;
- Annual trustee report;
- Online access; and
- Change of investment and member details confirmations.
- Annual member benefit statement;
- Annual trustee report;
- Online access;
- Change of investment and member details confirmations;
Annual PAYG summary (if applicable); and
- Annual pension review.
Insurance options- Death Only;
- Death with Total and Permanent Disablement ('TPD'); and
- Income Protection.
Not available
Related accounts (fee aggregation)AvailableAvailable
Death Benefit nominations- Non-binding; and
- Binding
- Reversionary;
- Non-binding; and
- Binding
Note: Binding nominations are not available where a reversionary pension is selected.
Adviser authorityAvailableAvailable
  • Freedom of Choice © 2018
  • PO Box 3528, Tingalpa DC QLD 4173
  • 1800 806 013
  • enquiries@freedomofchoice.com.au