| Membership and access | Frontier accepts applications from people receiving its PDS in Australia, including applications submitted by a financial adviser. The usual minimum initial Personal Super investment is $2,000, or $1,000 with a Regular Investment Plan. Older OneAnswer Personal Super and pension products are closed to new members. Sources124 | The fund has Super Saver and Personal products, plus existing defined benefit and retirement arrangements. Eligibility and insurance can differ by product. Sources12345 |
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| Accounts and products | OneAnswer Frontier Personal Super and Pension, with separate notes for closed OneAnswer Personal Super and pension accounts. ANZ Smart Choice and Grow Wrap are outside this profile's numerical scope. OneAnswer Frontier Personal Super OneAnswer Frontier Pension OneAnswer Frontier transition-to-retirement pension Closed OneAnswer Personal Super, Allocated Pension and Term Allocated Pension accounts Sources14 | Super Saver, Personal, pension and transition-to-retirement products, with existing defined benefit arrangements. Sources12345 |
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| Investment choices | Frontier requires the applicant to select investment options. The trustee will not choose one and cannot proceed with an application that lacks a selection. ANZ Smart Choice MySuper figures reported under the same historical legal fund are not OneAnswer defaults. The range includes diversified and single-sector managed funds, OneAnswer index funds, MultiSeries portfolios combining active and passive investments, and ANZ Term Deposits. Auto-rebalancing and dollar-cost-averaging facilities can help administer a chosen mix, but they cannot be used together and do not apply to term deposits. Check the current investment guide and product notices for closures or strategy changes. Sources126 | A range of diversified and single-asset choices. Some former Active products retain their own history and disclosures. Vision's Diversified Bonds option closed in June 2026, while the former Active Managed Cash option was consolidated in October 2025. Sources12345 |
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| Insurance | The current Additional Information Guide says insurance is not available directly through Frontier Personal Super. A separate risk-only super insurance product may be payable using the Frontier account, with advice about the arrangement. An October 2025 notice removed OneCare Super references from the new-member documents. Existing members should check their actual policy and account, especially where an older OneAnswer product still holds group cover. Sources245 | The fund publishes separate insurance documents for Super Saver and Personal. Employment type, including casual employment, can affect the application process. Sources12345 |
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| Retirement income | Frontier Pension offers an account-based pension and a transition-to-retirement pension. The initial pension minimum is $20,000. Payment choices include monthly, quarterly, half-yearly and annual intervals. An existing Term Allocated Pension is a different product with its own payment and withdrawal restrictions; it should not be treated as an ordinary Frontier pension. Sources24 | Pension and transition-to-retirement accounts are available. Existing lifetime or defined benefit pensions require their own scheme information. Sources12345 |
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| Advice and support | The product is designed to support an investment portfolio chosen with a financial adviser. An Adviser Service Fee is negotiated separately. Ask for the services and their cost in writing, including what happens to the investment strategy if ongoing advice ends. Sources23 | Vision Super Financial Planners can help with super and pension questions. The tailored-advice schedule sets out which services carry a fee. Sources12345 |
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| Fee details to check | The December 2025 fee guide lists a $135.29 annual Member Fee for Personal Super and TTR accounts below the qualifying $50,000 balance, equivalent to $115 after the stated tax benefit. The ordinary pension Member Fee is $115. ANZ Term Deposits and ANZ Cash Advantage have special exclusions, and eligible linked Frontier accounts can request a waiver. A waived Member Fee does not remove investment costs: the selected fund's Ongoing Fee, other investment and transaction costs, any levies or expense recoveries, and advice still need to be included. Some June 2026 APRA externally directed OneAnswer rows contain zero total-cost entries at higher balances that conflict with the fee guide. Those entries should not be interpreted as a free investment account. Sources37 | Use the current PDS for your product, not an old Active Super cost estimate. Former Active members should check their transfer notice and current statement. Sources12345 |
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| Comparing investment performance | Use the exact Frontier investment option, dates and return basis. The legal fund's historical reporting also includes other brands, so its overall result is not a OneAnswer portfolio return. Some options are trustee-directed and receive performance-test results; other externally directed options have no result in the package. An absent test result does not mean a pass or failure. Only OneAnswer Frontier Personal Super pathways are matched to this profile's APRA table. June 2026 figures retain Retirement Portfolio Service ABN 61808189263. They must not be relabelled as current ANZ Smart Choice data after a later transfer. The OneAnswer Investment Portfolio is an investment product outside super and is excluded from this comparison. Sources7 | Vision publishes separate performance information where needed for former Active options. Its notes distinguish super, transition-to-retirement and retirement pension returns because their tax treatment differs. Sources12345 |
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