Common Advice Questions

Not sure whether our Member Advice Consultants can help you with your AvSuper decisions? Here is a list of common questions we get asked by members…


  • How much do I need to contribute to have enough money in retirement?
  • Pre-tax or post-tax – which contribution type is best for me?
  • Should I contribute to my Defined Benefit or my accumulation account?
  • What are the contribution limits? Will I exceed my limit? What happens if I exceed my limit?
  • How often can I change my contribution rate?

Investment Options

  • How do I know which option is the right option for me?
  • When should I review / switch investment options?
  • What is unit pricing?
  • What is the best approach for maximising the return on my super?
  • Should I just invest in one option or more than one?


  • Can you give me advice about my other super / insurance?
  • Can you provide advice to my spouse / partner?
  • What does my statement mean?
  • Can my new employer contribute to AvSuper for me?

Income streams

  • When can I retire?
  • What are the implications of a 15% tax on TTRs?
  • Should I transfer all my super into an Income Stream?
  • Do I have to take an Income Stream at some point?
  • Can I get an Income Stream while I’m still working?
  • Do I have enough money to fund retirement now? If not, what can I do?
  • How do I manage an Income Stream and Centrelink entitlements?
  • Should I sell some assets to build my super, or not?


  • How much insurance cover do I need?
  • What is income protection insurance cover?
  • Why do I need insurance cover?
  • What factors do I need to consider to decide how much cover I need?

AvSuper Advice might be just what you need to help your super take off – and land safely in retirement!