An industry super fund for all Australians
Call 1300 658 776
13 September 2017
Using passive investing gain passive income – for an active future!
The thought of investing can evoke off-putting imagery.
Gordon Gekko lecturing that, “Greed, for a lack of a better word, is good” in
Wall Street has left investing with a reputation as being for disreputable,
complex and unapproachable.
12 September 2017
Not all investments are right for every individual
If you’ve ever tried on a piece of clothing that was
labelled “one-size-fits-all”, you know how ridiculously inaccurate that concept
can sometimes be. Yet many Australians
have their superannuation contributions – the key piece of the retirement
8 September 2017
Spring clean your finances
Spring is in the air, and while you’re probably
focusing on getting your home and garden looking good, don’t overlook the need
to give your finances a thorough spring clean.
We look at five ways to put the spring back in your fiscal
5 September 2017
How to handle money in relationships
It’s no secret that financial issues can drive a wedge in even
the strongest relationship. Yet ironically, money rates as one of our top taboo
subjects. One in four Australians would rather talk
about taxes than engage in conversations about money – eve
you know that from age 57 you are eligible to withdraw 10% of your
superannuation account balance?
Low fees, responsible investment options, an excellent superannuation experience and Catholic values are just a few of the things we can offer to your family.
30 August 2017
The importance of investing ethically
When you’re looking at your superannuation investments, the
line at the top of the balance sheet is generally the most important – how much
money that option has made.
Some of us stop reading there; content knowing that our
retirement is on-track.
17 August 2017
Millions of Australians have been shorted super in their
lifetime. Here are some ways to ensure that your future is secure.
16 August 2017
Get around-the-clock answers to questions about your account on the phone!
We work hard to make your experience calling us as good as
possible. Our call centre is located in Australia and we focus on providing
expedient service when you call.
9 August 2017
Other than adding to your retirement savings, what benefits do you see coming from downsizing your home?
3 August 2017
Using salary sacrifice to save for a home deposit could mean
you keep more than $12,000 of your money. Let us show you how.
10 July 2017
It is often cheaper, and more convenient, to arrange insurance through your superannuation account than finding comparable insurance outside of superannuation.
5 July 2017
sure your funds are working hard so you can do what you love in retirement.
3 July 2017
A new investment option helping conservative investors avoid a surprise.
29 June 2017
The end of the financial year is a great time to review your pension account so you can ensure you're getting the most out of it.
27 June 2017
We proudly partner with several Catholic organisations on initiatives supporting leadership, mentoring, and mental and physical health.
20 June 2017
Mentors can guide us through tough challenges and help navigate complex environments, empowering us to take charge in the future. Sadly, just one in five women reports ever having a mentor.
15 September 2016
The Government has announced on 15 Sept a major revision to its Budget that we advised you about back in May 2016.
24 August 2016
Nearly half (45%) of the population will experience a mental disorder at some stage in their lives and almost one in five Australians (20%) will experience a mental illness in a 12-month period*.
14 July 2016
How would your family get by if the worst was to happen? Unforeseen circumstances are easier to deal with, financially and emotionally, if you make that bit of effort now to consider them and plan ahead. Find out more about making sure you have adequate insurance cover in place to protect both yourself and your loved ones from future financial difficulties.
1 July 2016
The United Kingdom held a referendum on 23 July 2016 to decide whether it wished to remain in the European Union.
The polls thought it would be a close contest while experts expected a clear majority to vote in favour of Britain remaining in the EU.
14 June 2016
Reduction in cost of living for retirees
Current retirees and those in planning will welcome news that the cost of living in retirement has reduced.
The Association of Superannuation Funds of Australia (ASFA) has released their updated Retirement Standard for the March 2016 quarter. The Retirement Standard b
23 May 2016
Employers can help their staff take control of their super and avoid account balances being automatically transferred to the ATO. Find out more.
20 May 2016
If you have an allocated pension providing you with an income stream in retirement, remember that there’s a minimum proportion of your account balance that you must withdraw each financial year. The minimum amount will vary depending on your age.
12 May 2016
Many people have great intentions when it comes to getting their finances in order. However, when it comes to actually getting started, these intentions can go out the window. To help you get underway, we’ve put together a list of four ways you can improve your super situation in just a few quick clicks.
5 May 2016
The Government handed down its 2016-17 Federal Budget on Tuesday, 3 May 2016. Major changes to superannuation were announced – to help keep you informed, here are the major changes to super which may affect you or members of your family.
18 March 2016
One of the pleasures of my position as a Regional Manager with Australian Catholic Superannuation is meeting and supporting wonderful people in their retirement plans, such as John and Jean of the Townsville community.
16 February 2016
As part of our ongoing support of The Gut Foundation, our Australian Catholic Superannuation recently hosted a digestive health awareness event at our head office in Burwood.
20 January 2016
Getting a head start is smart
If people are more engaged with their super from when they
start their first job, they are more likely to maximise their retirement savings.
The effects of compound interest mean that small
decisions from the start of your career will have a significant
impact on the level of
19 January 2016
Why is super so important for you
If people are more engaged with their super from when they start their first job, they are more likely to maximise their retirement savings. The effects of compound interest mean that small decisions from the start of your career will have a significant impact on the level of r
12 January 2016
Three strategies for safeguarding super on maternity leave
Women in Australia are lagging behind when it comes to their superannuation. On average, women will retire with a super balance that’s almost half that of men^. This lower level of savings, coupled with a longer average life span, is leading women to fi
26 October 2015
Helping employees who are ill, injured and unable to work
Insurance through superannuation can be an effective way for your employees to protect themselves and their family from the financial consequences of death, disability or major illness.
Most Fund members have insurance as part of their superannuation
14 August 2015
The days of retiring in our fifties are probably coming to an end, as people acknowledge the financial, social and health benefits related to working longer before full retirement.
15 July 2015
Never in Australia’s history has an ageing population had such heavy reliance on Centrelink Age Pension payments as an income source rather than a safety net for the maintenance of living, health and aged care standards.
19 June 2015
Work and health don’t have to be separate, with many experts and organisations showing how the two can merge. Here are 7 simple ways you can look after your employees’ wellbeing through physical activity.
17 May 2015
Find out if announcements made in the Government's handing down of the 2015 Federal Budget will have an effect on your superannuation, pension or plans for retirement.
1 May 2015
As an employer, find out the two major reasons why becoming a mentally healthy workplace should be a top priority for your organisation. The facts and figures support this without question.
30 April 2015
Significant changes occurring at different stages throughout our lives generally require careful management for both mental and financial wellbeing.
14 April 2015
Because superannuation receives favourable tax treatment, the Government puts limits, or caps, on the tax benefits available. Make sure you understand the limits so you can maximise your super contributions and avoid paying more tax than you need to.
26 March 2015
Find out how you can manage stress more effectively so it doesn’t cause mental or physical health problems or stop you from working and getting on with your life.
4 March 2015
Loss of access to the Commonwealth Seniors Health Card (CHSC) could impact the Centrelink income treatment of your superannuation allocated pension. Find out how.
27 February 2015
Saving money and reducing taxes are smart reasons to salary sacrifice some of your future income into superannuation. Find out if this strategy could be to your financial benefit.
22 December 2014
An anti-detriment death benefit payment is an increased lump sum amount, in addition to your super account balance, that is paid to your eligible dependants in the event of your death.
19 December 2014
Insurance cover through your super fund can be a bargain to provide the security you need as your financial and lifestyle circumstances change in the future.
2 December 2014
An anti-detriment death benefit payment is a refund of contributions tax you paid during your working life and is made to your beneficiaries upon your death, in addition to your superannuation account balance.
24 November 2014
Changes to Centrelink Income test treatment of account-based pensions commence on 1 January 2015. The new rules may affect your future Government Age Pension entitlements.
29 September 2014
Centrelink is changing its income test treatment of allocated pensions from 1 January 2015. This change may not be in your favour, so consider your options before the end of 2014!
24 August 2014
As Australia’s population ages and prepares to stay longer in the workforce, find out what impacts these factors may have on your superannuation savings and future retirement income.
24 July 2014
Here’s a five-step checklist of simple ways to help get your super back on track and to boost and grow your savings for retirement.
30 May 2014
Women especially, but also men, need to plan their financial journey with skill and foresight and watch out for signals or events which could derail their plans for financial security. Read more to learn how to help prevent your finances from 'going off the rails'.
17 January 2014
Making arrangements for aged care is becoming an increasingly complex aspect of later life. If you're overwhelmed with all of the options and costs that need to be considered, it can be wise to seek financial advice, like Betty did in this case study.
28 October 2013
The plight and problems of female financial security in Australia are fuelled by the fact that many women leave the workforce for extended periods to fulfil parental duties. The Government’s Paid Parental Leave Scheme should help alleviate some of this financial pressure as women will be able to confidently take leave knowing they are not abandoning their careers or the accumulation of valuable superannuation and savings for retirement.
30 September 2013
With the recent drop in official interest rates, many older investors will be looking at their investments and perhaps reassessing their choices. They want better returns, naturally, and are wondering about the wisdom of taking on more risk.
16 July 2013
Quality of life in retirement will be determined by actions you take long before you stop working. Here are 3 key mistakes to avoid.
27 May 2013
Even if you're not quite ready to fully retire from the workforce, there is a way that you can gain access to your superannuation savings once you reach age 55. Learn more about whether converting some of those super savings into a transition to retirement pension account and continuing to work full or part-time may be suitable for you.
5 December 2012
Some members have exited the Fund to establish a self-managed superannuation fund (SMSF) only to find that it does not live up to expectations, as the following case study illustrates.
We believe there are some tell-tale signs of pending problems for members to consider before establishing a SMSF.
An anti-detriment death benefit payment is the term for an increased lump sum amount, in addition to your super account balance, that is paid to your eligible beneficiaries in the event of your death. The payment is meant to represent a refund of superannuation contributions tax you have paid during your lifetime. Australian Catholic Superannuation is one of the few funds that makes these payment automatically on both superannuation and pension accounts.
Increased awareness of superannuation is leading many of us to plan for retirement, in the financial sense. What is often overlooked though is the financial impact of ill health and the cost of aged care – either for aged parents, or increasingly, for ourselves.
Making the decision that you would like to fulfil the great Australian dream of owning your own home is very daunting. Where to start could begin with that awful word that sounds restrictive, controlling and generally not much fun, BUDGET.
If you are saving through superannuation and have time on your side, then compounding is a simple yet powerful way to create long-term wealth.
Ever considered how your finances would hold up if you were unable to work for a period of time due to illness or injury? Making sure you have income protection (temporary salary continuance) insurance cover in place can make a real difference to your financial wellbeing in case the unforeseen does happen. Here are some real insurance claims examples for Fund members, aged around 30 years, who have benefited from receiving income replacement payments through their superannuation insurance cover.
Making sure you have income protection (temporary salary continuance) insurance cover in place can make a real difference to your financial wellbeing in case the unforeseen does happen. And it's often cheaper and more convenient to arrange this protection through your superannuation fund than finding comparable insurance outside of superannuation. See some real insurance claims examples for Fund members, aged 30-44 years, who have received income replacement benefits when they were unable to work for a period of time due to illness or injury.
If you are aged 50 years or older and have been contributing to your super on a pre-tax (concessional) basis, you may need to re-assess your contribution strategy as the previous financial year's pre-tax contribution limit of $50,000 has been reduced to $25,000 for 2012/13. Contributions in excess of this amount can still be made, but will attract a higher tax rate. Making reduced pre-tax contributions and increasing your after-tax (non-concessional) contributions to super could be the answer for you.
It's not uncommon for us to hear of allocated pension users from other funds who feel dissatisfied with the service provided by their non-Australian Catholic Superannuation financial adviser or fund. This may be even more evident for retirees who become aware that they are paying their external adviser trail fees, often in addition to the entry fees paid when the pension was originally started. Read the full article for a possible solution.
For the second consecutive year, Australian Catholic Superannuation’s financial advice services have been named Team of the Year and our Boris Tesanovic named Financial Planner of the Year at the Industry Fund Services (IFS) Professional Development Conference in Melbourne. The award was announced on Tuesday night.
28 January 2017
The top priority for Australian Catholic Superannuation & Retirement Fund chief executive Greg Cantor in 2017 is optimising his fund’s use of technology and data to better connect with members. The $7.5 billion faith-based super fund is a finalist in the Conexus Financial Superannuation Awards 2017 in the category for Innovation and Transformation.
22 January 2017
Despite strong competition and a record number of nominations, the account based pension RetireSmart has won an AIST excellence award for best member facing project under $10bn.
2 November 2016
We're delighted to announce the winner of the 2016 Chanel Handbag competition.
Australian Catholic Superannuation has developed a two-tier strategy to improve the resilience of its front-line staff in dealing with emotionally intense situations relating to insurance claims.
22 August 2016
Australian Catholic Superannuation has made it onto the Australian Financial Review’s (AFR) top 50 most innovative companies list in 2016.
12 August 2016
Australian Catholic Superannuation has been recognised as an ABA100 Winner for Product Innovation in The Australian Business Awards 2016. The award recognises the Fund’s achievements in developing the RetireSmart account-based pension.
13 April 2016
New equity strategy to add an estimated $1.4 million p.a. of value for members
In March 2016 Australian Catholic Superannuation awarded a $450 million mandate for an international equity strategy to Parametric Portfolio Associates LLC, a Seattle-based firm with $US152.3 billion ($201.6 billion) in assets under m
15 March 2016
Australian Catholic Super's plan to save $1.8 million a year in tax
The $7 billion Australian Catholic Superannuation and Retirement Fund hopes to save its 93,000 members nearly $2 million a year through a new deal with tax-focused asset manager Parametric.
Australian Catholic Superannuation has handed a $60
14 March 2016
A $7 billion industry superannuation fund has appointed US investment manager Parametric to manage a portion of its international equities portfolio.
15 January 2016
Australian Catholic Superannuation appoints David Hartley to board
Australian Catholic Superannuation has announced the appointment of Mr David Hartley as a director of the board. Mr Hartley comes to the role after an extensive 35 year career in the financial services industry. This included 10 years as chief inv
17 November 2015
As an industry super fund, we exist solely to benefit our members and providing low fee, high performing products is part of our ongoing mission to deliver value to members.
30 October 2015
This year we once again held a small number of Afternoon Jams functions for members with an allocated pension. These free events are part of our Retirement Rewards program and are an opportunity for the Fund to say 'thank you' to pension members for supporting and investing with the Fund over the years.
18 August 2015
A positive step towards learning more about her superannuation and taking control of her finances wins Fund member a $1,000 Shoes of Prey gift voucher.
Australian Catholic Superannuation has been recognised for project management excellence in the prestigious, national 2015 Australian Business Awards (ABA100).
12 August 2015
Australian Catholic Superannuation is working with The Gut Foundation to spread the message about bowel cancer awareness to our membership and the wider community. Our involvement began after meeting Peter Tiffin, a passionate Foundation ambassador, and hearing his story about bowel cancer and the importance of early detection through bowel screening.
30 July 2015
We're pleased to share the results of Australian Catholic Superannuation's 2015 Trustee Election. Six newly-elected Employee Directors take up their seats on the Board from 30 July 2015.
20 July 2015
After two years establishing the investment division for Nambawan Super, Papua New Guinea’s largest pension fund, Michael Block has returned to Australia as the chief investment officer of the $7 billion Australian Catholic Superannuation and Retirement Fund.
4 May 2015
Australian Catholic Superannuation’s donation of toy cars to Calvary John James Hospital helps make trips from waiting room to theatre less stressful for young patients.
Sharing stories about women who we find inspirational because of who they are and what they do. Kim Wilcke, Regional Manager at Australian Catholic Superannuation and Retirement Fund in Canberra, ACT talks about her role in the finance sector.
24 April 2015
Winners of the 2015 Catholic Schools Week NSW/ACT Video Competition—‘What will your Catholic school of tomorrow look like?’—have been chosen from more than 130 entries. Find out more.
9 March 2015
At Sacred Heart College in Sorrento, WA, male teaching staff are standing up as role models for male students advocating that violence against women is not okay. On 8 March 2015, they wore the purple of International Women’s Day in a wonderful statement and strong message for all of our sons.
Sharnie Barabas, Australian Catholic Superannuation’s Head of Client Services, wins the 2014 AIST Award for Excellence in the Super Operations/Administration category.
10 November 2014
Australian Catholic Superannuation announces that Michael Block will replace the retiring Anne Whittaker as Chief Investment Officer at the Fund.
31 October 2014
Sue Willems, Australian Catholic Superannuation’s Head of Special Projects, wins Mentor of the Year Award in the 2014 Money Management/Super Review Women in Financial Services Awards.
27 October 2014
Australian Catholic Superannuation has entered into a five-year partnership agreement with Catholic School Parents Australia (CSPA), the recently formed national peak representative body for parents with children in Catholic schools.
8 October 2013
Food artisans took time out of the recent Catholic Primary Principals’ Association WA Conference (this year’s theme was “Literacy is not Enough”) to don aprons in for a fun Canapé Cooking Challenge. Western Australia’s Swan Valley wine region provided the perfect gourmet food setting for the competing teams of primary principals.
5 April 2013
The Federal Government has today announced a number of significant changes to the superannuation system. If you are you asking yourself, “How will the super changes affect me?”, it’s important to note that they have not yet been legislated. However, should the reforms proceed, here’s a summary of the current super and pension arrangements and how they are proposed to change.
18 October 2017
11 May 2017
Measures to tackle home affordability were a key focus of the 2017 Federal Budget, along with a company tax cut, an increase in the Medicare levy, changes to school funding models and the introduction of a new bank levy.
4 February 2016
Archbishop Prowse welcomed with great joy the announcement today by the Holy Father, Pope Francis, that Mr Hubert O’Flynn has been awarded a Papal Honour, Knight of the Order of St Gregory the Great.
1 September 2017
Are your investments appropriately risky?
Risk is the key to understanding investing and is a good way
to guide the selection of investment options that are right for your unique
In our previous article <previous article URL>,
we discussed how to identify risk in investments as well as the
How risk influences your investment returns and options
Simply, investment risk is the possibility that you may lose
money - or that your investments will not keep pace with inflation. Risk can be
a good guide for selecting the investment options that are right for your
That might s
At Australian Catholic Superannuation, we recognise the importance of being able to invest your savings in line with both your values and your financial needs.
The best investment strategies always begin with a proactive stance and a plan of what to do when times get tough. This is easier said than done when faced with share market volatility- and even the savviest investors have been known to panic and sell out at exactly the wrong time.
24 March 2016
17 March 2016
As fund managers, we are often asked when is a good time to buy shares. The short answer is that history has shown that when shares are good value, one can generally expect a better long-term return in the future. Additionally, research has shown that when shares are expensive, expected returns over the next 10 years are generally lower.
16 March 2016
The next stock market crash could be tomorrow or it could be some time in the distant future. The fact is, while we can take steps to increase our probability of predicting the next crash, the future is always uncertain and we don’t know what’s going to happen before the event.
10 March 2016
The price of crude oil has fallen from around US$120 (in 2008 and 2012) per barrel to around $30 per barrel in February 2016.
17 February 2016
Share market volatility in last half of 2015
During the second half of 2015 most equity markets around the world declined in value as a result of concerns relating to China, Greece and rising interest rates. The 'all ordinaries' index fell by around 2% from 1 July to 31 December 2015 in the second half of the
Australian vs international shares
Why does the MySuper balanced option have more invested in international rather than Australian shares?
The MySuper Balanced option currently invests 55% of assets in shares and the rest in a variety of assets such as infrastructure, property, bonds, cash and term de
13 January 2016
Investment options: growth versus defensive
Some funds classify investment options by how much is placed
in each of growth and defensive options.
In most cases, growth investments include assets like
shares and property and defensive assets include cash, government bonds and
investment grade corporate.
2 December 2015
When you invest with Australian Catholic Superannuation, depending on your investment options, a proportion of your investments may be allocated to emerging markets.
1 December 2015
Choosing the right investments for
your superannuation is an important factor in making sure your money grows
sufficiently to provide you with a long-lasting
source of income throughout your retirement. However, we recognise that making those all-important
25 August 2015
Find out why Australian Catholic Superannuation believes it can achieve best value and lowest risk for members through external vs in-house investment management.
3 August 2015
Australian Catholic Superannuation recently appointed two managers to its in-house investment team to facilitate a more adaptive and innovative approach to investing.
27 July 2015
The investment outlook for the next few years is very uncertain as markets are likely to continue to be volatile. Not only are interest rates low and asset prices high, suggesting that forthcoming returns will be subdued, but investors are concerned about the prospects for Greece and China and the effect they are likely to have on future share prices and currency exchange rates.
20 February 2015
This investment update gives a global market review as at 30 December 2014, including a look at the year that was in 2014, what the coming year holds for investors and an asset performance summary.
23 December 2014
This investment update outlines market returns as at 30 September 2014 and provides a brief outlook for economies and market developments in the near term. Also summarised is the revised strategic asset allocation adopted by the Trustee.
3 February 2014
Making a start on a regular savings plan early in life, combined with the power of compounding interest on your investments, can make an astounding difference to the amount of savings you can build for your retirement.
This investment update outlines market returns as at 31 October 2012 and provides a brief snapshot of the European and Australian economies. Also outlined are some of the investment strategies adopted by our Trustee Board over the past year.
Please enter your name and
contact number in the fields below. One of our Member Service Officers will
call you back within 1 working day.
Please note that
if you are requesting personal account information, we may ask you to verify
your client ID, full name, date of birth and address as a security
Call centre opening
hours: Monday to Friday, between 8:30 am and 7:00 pm AEST [8:30 am–8:00 pm
AEDT] (National public holidays excluded).
Your enquiry has been submitted successfully!
One of our
Member Service Officers will call you back within 1 working day.