Super is a long-term investment to help provide the lifestyle you want when you retire. It’s never too early to start building your wealth and planning for your dream lifestyle in retirement. Not all super funds are created equal. It’s important that your super is flexible enough to give you control, so you can structure your investments to match your own financial situation.

Your super will likely be your most valuable asset when you retire. So if you have a picture in mind of the kind of retirement you want, now’s the time to make sure you’re getting the right advice. With the right plan in place, you can start growing your wealth to fund your dream retirement. 

When it comes to structuring your super, we give you choices. Our two great products have different options that can be tailored to match your needs, financial goals and investment strategy that you have developed with your adviser. 

WealthFoundations is a straightforward super and pension fund for people who like their investments to be uncomplicated. In industry jargon, we call this a master trust, which basically means your funds are pooled with other investors and we, as trustee, purchase interests in underlying investments on your behalf.

Investment choices

• Choose from 27 IPS Strategies (model portfolios) managed by us. You and your adviser can mix-and-match IPS strategies to match your risk appetite.
• Set-and-forget with our LifeStages Strategy where we adjust your investment profile over time and keep you updated about any changes.
• Allocate some of your investment to our Guaranteed Cash option, which provides security of capital, comfort that the redemption price will never fall and gives you fast access to funds.

Online access

Our online portal is available 24/7 if you want to make any changes or check how your super is tracking. 

Help protect from market surprises 

Our built-in Foundation Assurance Benefit helps protects your investment. This means, if you die at any age or if you are under age 65 and you become totally and irreversibly unable to perform certain Activities of Daily Living, we’ll top up your account (up to $250,000 per member) if your super amount is below the amount you initially invested (after taking into account withdrawals, rollovers out, fees and costs). 

Automatic rebalancing

Investments can drift from their target risk profile over time as the value of underlying options move with the market. We keep on top of market movements for you, regularly rebalancing your investment to bring it back in line with your strategy.

Smart allocation

Everytime you make a contribution into your investment pool, our Smart Allocation process ensures that any market movement since your last rebalance is taken into account. This means that we compare your target investment allocation to your actual holdings and allocate new contributions proportionately to their value below the target. This helps to ensure your investment continues to accumulate wealth for you.

Flexibility in retirement

As you grow near retirement, you have the ability to transition your super from wealth accumulation to an ongoing retirement income to suit your lifestyle. Find out more about retiring with us.

WealthFoundations Super and Pension Product Disclosure Statement >

WealthSolutions Superannuation and Retirement Income gives you access to a wider range of investment options, along with the ability to group several accounts into one family group to save on fees. In industry jargon, we call this a wrap platform, which means you can access managed funds, term deposits and listed securities and wrap them all together into one portfolio of investments.

Even more choices

• Managed funds, where you can choose from over 250 managed funds spanning a wide range of asset classes including Australian and global equities, property, fixed interest and cash.
• Managed portfolios, a range of model portfolios to align with different risk profiles.
• Australian and international listed securities, where you can access a large range of equities listed on the ASX and international share markets. You can also invest in additional listed, securities as approved by us, such as listed investment companies, exchange traded funds and fixed interest securities.
• Term deposits, choose from a range of term deposits to help add some certainty to your overall investment mix.
• Cash, and other investments made available from time to time by us.

Online access

Your investments are administered through HUB24's platform, allowing your financial adviser to easily review your entire portfolio, make transactions on your behalf and manage your investments.

You can also access your account anytime through the online InvestorHUB portal or via the myHUB app (available for Apple and Android). Through InvestorHUB and MyHUB you get real time reporting and you’re able to: 

• Check the current valuation of your overall portfolio
• See a list of transactions for each of your investments and cash holdings
• Check portfolio performance and asset allocation
• Download your historical statements
• Stay up to date with important notifications

Family group fee discount

WealthSolutions helps you save money with our fee aggregation feature. By combining your family’s WealthSolutions Super, Retirement Income and Investment accounts into a single family group to help you save on administration fees. You can even include funds invested in our other platform fund - WealthSolutions 2.

Effective tax management

Tax is calculated at an account level rather than fund level, giving you greater visibility of the tax outcomes for your investments. You can even choose from three different tax parcel options for investment sales to suit your tax situation. These include a minimise gain, maximise gain or a ‘first in first out’ approach. Your adviser can modify your selection every year if your circumstances change.

Flexibility in retirement

As you grow near retirement, you have the flexibility to transition your super from wealth accumulation to an ongoing retirement income.  Find out more about retiring with us.

WealthSolutions Super and Retirement Income Product Disclosure Statement > 

ClearView is not an investment manager. Instead, we select from specialist managers to invest your money within well-researched asset allocations. All managers are selected on merit and how they will add to the overall performance and diversification of each strategy our investment team devises. We work with them to develop implemented models that takes the hard work out of managing your own investments. 

Find out more about investing with us >

If you hold ClearView LifeSolutions Super insurance, you can pay your premium using money from your super account. This is set up to automatically rollover the annual premium due each year. 

Advised life insurance >

Help grow your wealth with us today. Simply contact your adviser who can help answer all your questions and get you started.

Don’t have an adviser? We have a network of over 200 advisers nationwide. Call us and we will put you in contact with one.  

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