We've added more super helpful features to your Member Online to make it easier to add to your super online.
- Important documents
- Forms
- Fact sheets
Find out more about the features and benefits that come with being a member.
Product disclosure statements (PDS)
Future Saver PDS - Employer Sponsored and Personal
Future Saver - Ambulance Officers PDS
Future Saver - Police Blue Ribbon PDS
Retirement Income PDS
Investment Funds Product Disclosure Statement
PDS updates
Information in our Product Disclosure Statements, which are not materially adverse, are subject to change and may be updated from time to time. You can find the updates to current information below.
Updates to current information from 1 July 2024
The products and disclosure documents listed below are impacted by the 1 July 2024 changes covered on this page.
Document Reference: Product Disclosure Statements (PDS)
PDS Aware Super Future Saver – Employer Sponsored and Personal dated 3 March 2024
PDS Aware Super Future Saver – Police Blue Ribbon dated 3 March 2024
PDS Aware Super Future Saver – Ambulance Officers dated 1 November 2023
Hanbook Reference
Future Saver Investment and Fees Handbook dated 3 March 2024
Future Saver Super Handbook dated 3 March 2024
Non-concessional contribution caps
Non-concessional (after-tax) contributions are tax-free up to a cap of $120,000 pa. If your total super balance at 30 June of the previous financial year is equal to or greater than $1.9 million then your non-concessional contributions cap is $0.
Generally, if you’re under 75 you can bring forward two years of future entitlements, equalling a cap of $360,000 over three years (if your total super balance on 30 June of the previous financial year is equal to or greater than $1.66 million, your eligibility to bring forward is reduced).
Concessional contribution caps
The annual cap for concessional (pre-tax) super contributions is $30,000.
Increase to the Super Guarantee (SG) contribution rate
The law requires Australian employers to pay a percentage of your Ordinary Times Earnings or OTE (generally your gross salary) as Superannuation Guarantee (SG) contributions.
From 1 July 2024, the SG contribution rate increases from 11% to 11.5% for the 2024/25 financial year and is scheduled to increase to 12% in July 2025.
Changes to government co-contribution thresholds
To encourage Australians to build their super, the government has a co-contribution initiative. If you’re eligible the government will contribute $0.50 for every $1 of personal (after-tax) contributions you make into super in a financial year, up to a maximum of $500. The amount you can receive is based on your income and can change each financial year.
From 1 July 2024, the government co-contribution lower income threshold increased from $43,445 to $45,400, and the higher income threshold increased from $58,445 to $60,400 for the 2024/25 financial year.
This means to receive the maximum co-contribution of $500, you have to earn equal to or less than $45,400 in the 2024/25 financial year and you need to make a personal contribution of $1,000. The maximum co-contribution reduces for every dollar of income you earn over $45,400 per annum, phasing out completely if your total income is $60,400 per annum or greater.
To find out more about the government co-contribution initiative, contact the ATO Superannuation Infoline on 13 10 20 or visit ato.gov.au.
Update to tax on withdrawals (preservation age)
As of 1 July 2024, the preservation age for all members is 60 which means the “preservation age but under age 60" tax treatment is no longer relevant.
Update to tax on withdrawals (thresholds)
The upper threshold for the untaxed element has increased from $1,705,000 to $1,780,000.
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| Age | Tax treatment of taxed element | Tax treatment of untaxed element |
|---|---|---|
| 60 and above | Tax free | Up to $1,780,000 - 15% plus the Medicare levy Over $1,780,000 - top marginal rate plus the Medicare levy |
| Under 60 | 20% plus the Medicare levy | Up to $1,780,000 - 30% plus the Medicare levy Over $1,780,000 - top marginal rate plus the Medicare levy |
The Off Duty Cover amount is increasing
Product Disclosure Statement (PDS) reference:
PDS Aware Super Future Saver – Ambulance Officers dated 1 November 2023
Handbook reference:
Future Saver Insurance Handbook – Ambulance Officers dated 1 November 2023
Change to PDS - Death (including Terminal Illness) Off duty cover
The amount of off duty death (including terminal illness) cover as at 2 July 2022 is currently disclosed on page 9 of the PDS for Ambulance Officers, as shown below:
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| Cover | Level of cover | Cost to you |
|---|---|---|
| On duty | Up to and including age 60 this is calculated as a multiple of salary.1 This multiple depends on your age at the time of the insured event. A fixed lump sum equivalent to the off duty amount applies from ages 61 to 69. |
Ambulance Service of NSW pays the premium for this cover to Aware Super. |
| Off duty | Off duty Lump sum cover of $426,074 as at 1 July 2022 up to and including age 60. Cover reduces at each age band from age 61 and is nil at age 70. |
1 Refer to the Insurance Handbook – Ambulance Officers for more information about the salary used to determine your sum insured
Change to PDS – Death (including Terminal Illness) Off duty cover effective 1 January 2024
The amount of off duty death (including terminal illness) cover increased on 1 January 2024. The amount of off duty cover from this date is shown in the table below.
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| Cover | Level of cover | Cost to you |
|---|---|---|
| On duty | Up to and including age 60 this is calculated as a multiple of salary.¹ This multiple depends on your age at the time of the insured event. A fixed lump sum equivalent to the off duty amount applies from ages 61 to 69. | Ambulance Service of NSW pays the premium for this cover to Aware Super. |
| Off duty | $446,053 as at 1 January 2024 up to and including age 60. Cover reduces at each age band from age 61 and is nil at age 70. |
1 Refer to the Insurance Handbook – Ambulance Officers for more information about the salary used to determine your sum insured.
Change to Insurance Handbook - Ambulance Officers Death (including Terminal Illness) Off duty cover
The amount of off duty death (including terminal illness) cover as at 2 July 2022 is currently disclosed on page 54 of the Insurance Handbook for Ambulance Officers, as shown below:
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| Age last birthday | Lump sum (as at 2 July 2022) |
|---|---|
| Up to and including 60 years of age | $426,099 |
| 61 years of age | $340,880 |
| 62 years of age | $255,660 |
| 63 years of age | $170,440 |
| 64 – 69 years of age | $85,218 |
| 70 years of age | No cover |
Change to Insurance Handbook – Ambulance Officers Death (including Terminal Illness) Off duty cover effective 1 January 2024
The amount of off duty death (including terminal illness) cover increased on 1 January 2024. The amount of off duty cover from this date is shown in the tables below:
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| Age attained | Lump sum (as at 1 January 2024) |
|---|---|
| Up to and including 60 years of age | $466,053 |
| 61 years of age | $372,843 |
| 62 years of age | $279,632 |
| 63 years of age | $186,422 |
| 64 – 69 years of age | $93,209 |
| 70 years of age | No cover |
Updates to current information from 1 July 2024
The products and disclosure documents listed below are impacted by the 1 July 2024 changes covered on this page.
Product Disclosure Statement (PDS) Reference:
PDS Retirement Income dated 1 November 2023
Preservation age (This relates to all references to ‘preservation age’ in the PDS)
From 1 July 2024 the preservation age for all new members is 60 years. This is the earliest age you can access your super at retirement (or commence a Retirement Transition account).
Taxes section (page 64 to 67 of the PDS)
From 1 July 2024 preservation age is now 60. This makes content relating to members at preservation age but under 60 no longer applicable (including the examples on page 65).
Income payment processing rule change
Product Disclosure Statement (PDS) Reference:
PDS dated 1 November 2023: Aware Super Retirement Income.
Page 8 – heading ‘Payment frequency’.
The Product Disclosure Statement (PDS) – Aware Super Retirement Income, dated 1 November 2023, discloses that if your income payment date falls on a public holiday or weekend, your payment is processed on the next business day.1
With the income payment processing rule change that took effect from 6 th February 2024, if your income payment date falls on a public holiday or weekend, your payment will now be processed on the business day before.
1 A business day is all weekdays excluding the following public holidays: New Year’s Day, Australia Day, Good Friday, Easter Monday, ANZAC Day (when it falls on a weekday), King’s Birthday (in June), Christmas Day and Boxing Day.
Updates to Aware Investment Funds (Class A and B)
Product Disclosure Statement (PDS) Reference:
PDS Aware Investment Funds Class A and Class B dated 2 November 2023
Tax parcelling method selection removed
The Product Disclosure Statement (PDS) dated 2 November 2023, offered three methods for tax parcel selection, this feature has not been implemented and will no longer be available.
The ability to choose a tax parcel selection method will be removed from the Aware Investment Funds, and only the default First In, First Out (FIFO) method will be used for tax parcelling and processing.
The Maximum Gain/Minimum Loss and Minimum Gain/Maximum Loss options will be removed as tax parcel selection methods.
You can, however, apply other tax parcel selection methods to calculate your own capital gains or losses as appropriate. We recommend you seek independent tax advice based on your personal circumstances and needs to help understand your tax parcelling options.
Aware investment fixed interest fund (Class A and B)
Pending termination of the Aware Investment – Fixed Interest Fund Class A and Class B, all transaction activities have been suspended from 6th June 2024.
Future Saver Handbooks
Insurance Handbooks
Insurance Handbook - Employer Sponsored & Personal
Insurance Handbook - Ambulance Officers
Insurance Handbook - Police Blue Ribbon
Financial Services Guides (FSG)
General Advice Financial Services Guide
Aware Financial Services Australia Limited Financial Services Guide
Target market determination (TMD)
Future Saver Employer Sponsored & Personal
Future Saver Ambulance Officers
Future Saver Police Blue Ribbon
Retirement Income (including Retirement Transition)
Target Market Determination - Aware Investment Funds
DDO requires issuers and distributors of financial products to have a customer-centric approach to the design and distribution of their products, with the aim of helping customers to obtain financial products that are appropriate for their objectives, financial situation and needs. It is applicable to all our products that require a Product Disclosure Statement excluding MySuper and closed products.
A Target Market Determination is a document which describes a group of retail clients (the target market) for whom a product is likely to be appropriate or consistent with their likely objectives, financial situation and needs. It provides any conditions and restrictions on how the product can be distributed to customers.
It also describes the events or circumstances where we may need to review the Target Market Determination for a financial product.
We’re required to have Target Market Determinations as a result of changes that have been made to the Corporations Act 2001.
This is to make sure we’re keeping customers at the centre of our approach to the design and distribution of our financial products.
For Aware Super Group Product Distributors Only:
As per ASIC Corporations (Design and Distribution Obligations Interim Measures) Instrument 2021/784, you no longer need to report if nil complaints are received. We will be incorporating these changes to our TMDs in the next TMD review cycle.
Target Market Determinations are regularly reviewed.
Superannuation
Use the Aware Super App to share superannuation details with your employer
Log in to your Aware Super App to share details with your employer quickly and easily. Once you log in, simply:
- Select Profile from the bottom left of the screen
- Select Share membership details
- Complete the To field in the email template with the relevant email address
- Press the upward arrow icon in the top right of the screen to send
Account authority for members under 16 years of age
Use this form to authorise membership for a minor.
Choose Aware Super Future Saver
Use this form to nominate your choice of super fund. You may need to give this form and the Letter of complying fund status to your employer.
Letter of complying fund status Future Saver
Give this to your employer along with the Choose Aware Super Future Saver form.
We've made more transactions available for you to complete via Member Online. It's faster and more secure to use the Apply online link where possible to complete your request. If you require a paper form, contact us.
Any PDF forms need to be printed and posted to us. Allow at least 10 business day for processing once they've been received by our team.
Apply online via Member Online
Change your investment options
Make a full rollover of your super to Aware Super Future Saver
Make, amend or cancel a non-lapsing death benefit nomination
Complete using a paper form
Appointed attorney details
Use this form to inform Aware Super that you have appointed an attorney to act on your behalf and to provide Aware Super with your appointed attorney's details.
Change of member details
Use this form to change your membership details or the way you receive information from Aware Super.
Future Saver automatic account consolidation opt-out declaration
Use this form to advise Aware Super that you are requesting not to have your Future Saver account(s) combined automatically with any other Future Saver accounts you hold currently or will hold in the future.
Inactive low balance account declaration
Use this form to authorise Aware Super to send a written notice to the ATO confirming you are not a member of an inactive low balance account. This means your account will not be sent to the ATO.
Make, amend or cancel a lapsing death benefit nomination
Use this form to nominate or amend who will receive the balance of your super account if you die. You can also use this form to cancel your existing binding or non-binding nomination.
Partial Rollover to Aware Super Future Saver
Use this form to partially transfer a portion of your super from another fund into your Aware Super Future Saver acount.
Proof of identity
Use this form when you need to verify your identity.
Third Party Letter of Authority
Use this form to authorise a representative to enquire on your behalf in relation to your Aware Super account.
We've made more transactions available for you to complete via Member Online. It's faster and more secure to apply online where possible to complete your request. Watch our videos on how to add to your super online, including:
If you require a paper form, contact us. Any PDF forms need to be printed and posted to us. Allow at least 10 business day for processing once they've been received by our team.
Apply online via Member Online
Notice of intent to claim or vary a deduction for personal super contributions
Personal contributions via Direct Debit
Complete using a paper form
Contributions splitting
You should use this form if you want to split your before-tax (concessional) superannuation contributions with your spouse.
Eligible spouse contributions via Direct Debit
Use this form to start making monthly eligible contributions via Direct Debit to your spouse’s super account.
Make a personal deductible contribution to your super
Make an eligible spouse contribution
Use this form to start making eligible spouse contributions to your spouse’s super account via BPAY or Cheque.
Make salary sacrifice contributions through your employer
Use this form to start or update salary sacrifice contributions. Send this form to your employer/payroll department.
Personal deductible contributions via Direct Debit
Use this form to make personal contributions via Direct Debit.
Downsizer contribution into superannuation
Use this form when making a downsizer contribution. It's available from the ATO website.
We've made more transactions available for you to complete via Member Online. It's faster and more secure to use the Apply online link where possible to complete your request. If you require a paper form, contact us.
Any PDF forms need to be printed and posted to us. Allow at least 10 business day for processing once they've been received by our team.
Application for insurance or increase in cover
Use this form to apply for or to increase your cover.
Cancel or reduce your insurance
Use this form to cancel some or all of your insurance.
Opt out of automatic insurance
Use this form to opt out of receiving automatic cover should you become eligible.
Transfer your insurance
Use this form to transfer your insurance cover from another life policy or superannuation fund to Aware Super.
Convert your cover
Use this form to convert your existing death only or death and total and permanent disablement (TPD) cover.
Keep your cover
Use this form to opt in to keep insurance on your account.
We've made more transactions available for you to complete via Member Online. It's super fast and more secure to use the Apply online link where possible to complete your request.
Any PDF forms need to be printed and posted to us. Allow at least 10 business day for processing once they've been received by our team.
Apply online via Member Online
Application for the early release of benefits on compassionate grounds
Use this form to apply for early release of a superannuation benefit on compassionate grounds once you have received a letter of approval from the Australian Tax Office (ATO).
Application for the early release of benefits on the grounds of severe financial hardship
Use this form if you wish to apply for the early release of your superannuation benefit on the grounds of severe financial hardship.
Application to make a lump sum withdrawal from your account
Retirement
We've made it even easier to open a retirement income account via Member Online. Log in and apply now.
A paper form is available at the end of the Retirement Income PDS (PDF 5.4MB).
We've made more transactions available for you to complete via Member Online. It's faster and more secure to use the Apply online link where possible to complete your request. If you require a paper form, contact us.
Any PDF forms need to be printed and posted to us. Allow at least 10 business day for processing once they've been received by our team.
Appointed attorney details
Use this form to inform Aware Super that you have appointed an attorney to act on your behalf and to provide Aware Super with your appointed attorney's details.
Change of member details - Retirement Income
Use this form to change your membership details or the way you receive information from the fund.
Make an internal transfer between your Aware Super accounts
Use this form to request a full transfer of superannuation benefits from your Aware Super Retirement Income or Future Saver account to another Aware Super Future Saver account.
Make, amend or cancel a lapsing death benefit nomination
Use this form to nominate or amend who will receive the balance of your super account if you die. You can also use this form to cancel your existing binding or non-binding nomination.
Make, amend or cancel a non-lapsing death benefit nomination
Use this form to nominate or amend who will receive the balance of your super account if you die. You can also use this form to cancel your non-lapsing binding nomination.
Make, amend or cancel a reversionary beneficiary
Use this form to nominate your spouse or de facto to receive the balance of your Retirement Income or Term Allocation Pension account if you die. You can also cancel an existing nomination.
Proof of identity
Use this form when you need to verify your identity.
Retirement declaration
Use this form to remove the Retirement Transition feature from your Aware Super Retirement Income account if you are under age 65 and have met a condition of release.
Third Party Letter of Authority
Use this form to authorise a representative to enquire on your behalf in relation to your Aware Super account.
We've made more transactions available for you to complete via Member Online. It's faster and more secure to use the Apply online link where possible to complete your request.
Any PDF forms need to be printed and posted to us. Allow at least 10 business day for processing once they've been received by our team.
Apply online via Member Online
Make a once-off income payment from Aware Super
Use this form to request a once-off income payment from your Aware Super Retirement Income account.
Change of member details
Use this form to change your membership details or the way you receive information from the fund.
Defined benefit (post-1988) account
Defined benefit (pre-1988) account
Payment information and nomination - deferred account
Use this form to nominate your defined benefit option and select your payment instruction.
Financial Advice
Investment Funds
Aware Investment Fund Change of member details
Aware Investment Fund Change of investments
Tax residency self-certification Investment Fund Class A or Class B (individual)
Tax residency self-certification Investment Fund Class A or Class B (non-individual)
Investment Fund internal transfer (Investment Fund Class A or Class B)
Aware Investment Fund withdrawal
Fact sheets
These guides are designed to help you better understand your options when it comes to managing your super.