Retail fund brand
ING Living Super
Living Super combines diversified investment options with a facility for listed investments, and lets ING customers see super alongside their banking.
THE OVERVIEW
About ING Living Super
Living Super is offered within OneSuper. The ING brand and online banking connection should not be confused with a bank guarantee over the investment portfolio.
Who can join
Online applications are available to Australian residents aged 13 or over, subject to the product's terms.
THE SUPERGURU VIEW
Our take
Worth comparing for someone who wants ING account visibility or listed investments without administering an SMSF.
Based on the cited product features. These are general reasons to investigate the fund, not a personal recommendation. Supporting sources.
THE NUMBERS
Fees and investment returns
Use the product, investment option and employer plan on your statement. Lifecycle members need to choose the relevant stage. APRA's investment pathways may include closed options held by existing members.
Choose an investment option to see the figures
The costs and returns belong to the selected product, option or lifecycle stage.
Source: APRA Comprehensive Product Performance Package 2026, published 28 August 2026. Fees reflect the reporting year to 30 June 2026, are net of tax, use standard arrangements and exclude member-activity fees. Dollar figures are rounded. They are not a current quote. Check the latest PDS for changes, insurance premiums and any separately charged advice.
Returns are annualised historical results. Different return bases, risk levels and periods cannot be treated as interchangeable. MySuper net returns use a $50,000 representative balance even when you change the fee balance. A lifecycle stage return does not track a person moving between stages. Missing figures mean not reported, not zero. Past returns do not predict future returns. Read our method and APRA's definitions.
A CLOSER LOOK
Inside ING Living Super
Accounts and products
Living Super accumulation and retirement accounts.
Investment choices
Five diversified managed options span conservative to high-growth allocations. Listed investment access includes approved ETFs, shares and listed investment companies.
Insurance
Check the Product Guide for cover availability, commencement and premiums; bank insurance products are separate from super insurance.
Retirement income
Pension arrangements are available under the Living Super disclosure.
Advice and support
Members can apply directly or speak with a financial adviser. Online access is an administration feature, not personal investment advice.
Fee details to check
Use the PDS and Product Guide for the chosen managed option or direct-investment arrangement. Brokerage, insurance and transaction costs need separate attention.
Comparing investment performance
Option names do not establish equivalent risk. Living Super Growth's current published allocation is 75% growth assets, so compare its actual mix rather than the label alone.
Features worth considering
A choice between managed diversification and selected listed investments.
Online visibility alongside other ING accounts.
THE LEGAL FUND
Fund size in APRA's annual reporting
OneSuper
At 30 June 2025. These are legal-fund totals, which can include several products and more than one account per person.
APRA annual fund-level statistics, June 2025. These older totals can differ substantially after mergers. Size is not a measure of suitability or investment quality.
Sources for ING Living Super
Checked 2026-09-11. Documents and product terms can change after this date.