We have a proud history of working with our members, just like you, to help them understand their super and achieve their retirement goals. We are your superannuation partner now and into retirement.

Plan for your retirement

Invest a little time now to plan for your retirement, and you’ll be rewarded with a happier, more satisfying future.

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Facts about your Defined Benefit Fund

This fact sheet provides answers to some FAQs about your ESSS DB Fund. See how changes to super arrangements and employment can impact your super benefit.

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Member Education Consultants

As an ESSSuper member, you have access to our experienced Member Education Consultants who are the experts in your fund.

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Member Testimonial

Barry, a retired police officer, talks about his experience with the fund and the advice he would give to his younger self.

A little can go a long way

Did you know having a history of contributing at the maximum rate means you’ll receive greater benefits, including disability benefits, than if you contributed at a lower rate. You have a choice of contributing 0%, 3%, 5% and 7% (based on post-tax salary).

FACT:

In 2013/2014 the average retirement balance for men was $292,500 and $138,150 for women (retirement age assumed to be between 60 to 64 years of age).*

See for yourself the impact different contribution rates can make to your retirement and disability benefits. Login to Members Online to see, and if you want, change your contribution rate. Limits apply to super contributions and exceeding government contribution caps may mean you pay additional tax.


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*Superannuation account balances by age and gender, Ross Clare, Director of Research, ASFA. December 2015.

It pays to have your super in one place

Having multiple super accounts can make it difficult to keep track of your super and it means you’ll likely be paying multiple sets of fees and costs. An Accumulation fund can make this process easier and less hassle2.

Benefits of having Accumulation Plan alongside your Defined Benefit (DB) fund include:

  • make additional personal contributions to boost your super
  • apply for additional insurance (on top of the built-in death and disability benefits that’s part of your DB)
  • it can go where ever you go because it accepts super contributions from other employers.

 

Rolling over is easy, all you need to do is consolidate your super through Members Online, Or complete a "Transfer your super form" for each super fund and send the completed forms back to us. We do all the hard work to make sure all your money is safely secured in your ESSSuper account.

Use this form to rollover your super1

Transfer your super (Rollover) (PDF 121.6KB)

Or consent to an ATO SuperSearch to roll over your other funds to your ESSSuper account.1

1. You should check any relevant exit fees you may incur, or any insurance arrangements that may be forfeited, or any other effects this transfer may have on your benefits, before rolling your money into our fund.

2. This information is general only. Before making a decision about an ESSSuper product, you should read the applicable PDS or handbook and consider the appropriateness of the product to your personal objectives, financial situation and needs. You can access all of our publications here. It may also be beneficial to seek professional advice from a licensed financial planner or adviser. 

Our doors are open to spouses and partners

Did you know spouses and partners of current ESSSuper members are eligible to open an Accumulation Plan or Income Stream account.

With an Accumulation Plan your spouse may choose to have their employer make Superannuation Guarantee contributions, Salary sacrifice or your spouse may choose to make extra contributions directly into this account. They will also then be eligible for other benefits that are enjoyed by ESSSuper Accumulation Plan members like you, including access to our award winning Income Streams, insurance, and investment options.

Check out the benefits

Find out more about how our Accumulation Plan or an Income Stream can work for your spouse.

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Benefits in ESSSuper’s Accumulation Plan, Income Streams and Beneficiary Account products are not guaranteed or underwritten by the Victorian Government or ESSSuper, and ESSSuper does not come under the jurisdiction of the Superannuation Complaints Tribunal.  ESSSuper comes under the jurisdiction of the Victorian Civil and Administrative Tribunal.
 

The Police Association Victoria