We have built a range of tools and benefits to boost and protect women‘s super balances. While some super funds charge you extra for wanting to FairVine PDS is available on this website by clicking, saving costs by paying only one set of fees. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. Is … Your employer makes contributions, and you can also make contributions yourself. 001271291) of Warrington Scott Pty Ltd (AFSL 478958). investment options are ethical, which means that they avoid All FairVine Super For people born after 1964, the super preservation age is 60. FairVine is here to change this. That's why we offer a 100% fee rebate (ex optional insurance costs) for up to 12 months when you go on parental leave, Save when the bump becomes a bundle of joy, You shouldn't be penalised for having children and/or making unpaid contributions to your family. Expert Investor: Understanding Superannuation w/ FairVine Super, A bit about Rachel’s background and how she came to be working in superannuation, What is wrong with the current superannuation system, particularly for women, What is the gap between men and women at retirement, Some of the investment strategies FairVine have on offer, How FairVine is different from other super funds. No. FairVine is by APRA, meaning our members are protected by the same government regulations that apply to all other major super funds. This is called the Superannuation Guarantee and is currently 9.5% on top of your base salary. ... in the time it takes to make a cuppa. We also refund fees whilst a member is on parental leave - we believe fees should never eat your super balance away while you’re not contributing. I have insurance with my current super fund. FairRewards is a shopping portal that allows you to earn anywhere between 2-20% cashback, which goes into your super account. All you need is your TFN (hint- find this on a recent payslip, tax return or you may have provided this to your bank). There are a few things that contribute to the super gap. We sat down with Rachel Hamlen, who is the Head Of Customer Experience at FairVine Super, to help us unpack some of the reasons why 1 in 3 women retire with no superannuation at all. You should consider whether the products or services featured on our site are appropriate for your needs. Acceptance by insurance companies is based on things like occupation, health and lifestyle. FairVine knows insurance can cost a fortune and it doesn’t have to. Any advice provided is general in nature and does not take into consideration any personal goals, financial situation or needs. Yes, you can increase or decrease your insurance at any time with a few clicks in your portal. For more information head to our. There are a few things that contribute to the super gap. Podcast: does superannuation need a makeover? We also do not charge for less common super fund actions such as family law splitting, as most other funds do. Track your credit score for free in the Finder app, Free Optional, only if you want us to follow up with you. Simple. A common guide provided is that, in today’s money, a comfortable retirement (for homeowners) requires $545,000 saved into your super. Super funds typically charge a range of fees including investment fees, indirect fees and weekly admin fees, making it very difficult to work out what different funds actually charge. I have rolled over, but I can’t see my balance. "Our newest feature, FairShare, makes it easy to split super contributions between spouses, enabling couples to do the right thing by their lower-earning or non-working partners. FairVine Super Designed with members in mind. Have you just started your investing journey? Some product issuers may provide products or offer services through multiple brands, associated companies or different labelling arrangements. If you already have one or more super accounts or your new employer has created one for you, you may want to 'consolidate' any existing accounts together. The fund does not have a MySuper compliant option and cannot be used as a default superannuation fund. Studies suggest that around 40% of single women in retirement are living in poverty and, sadly women over 55 are now the fastest growing group of homeless Australians. Absolutely, FairVine has a number of male members, and we welcome more. ^This refund excludes optional insurance premiums, insurance administration fees & buy-sell spread fees. FairVine Super in action Women in Financial Services Awards: You just need to provide the details of your preferred super fund to your employer. How much super you need depends on how much income you want each year when you retire. Once you have rolled your super over to FairVine, your previous super fund(s) will close automatically. Products marked as 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. 100% ethical investments. For more information head to our Disclaimer Page, where you can find resources to find a registered financial professional near you. This is not just a gender issue, it’s an Australian issue. Please note that there is a buy/sell investment spread charged when you switch between investment options. For more information, visit http://www.diamantina.com.au/. To build our own wealth. We have built a range of tools and benefits to boost and protect women‘s super balances. "One of the big imbalances typically occur when a couple has a baby. Please note - the 1.2% fee does not cover fees related to insurance administration and premiums. Absolutely! Our FairRewards program allows you to earn super when you shop online. Most employers will put your super into a “default” fund they have selected unless you tell them you want your contributions to go to a different fund. Between them they manage over 8 trillion dollars and are world leaders in their fields. retirement. FairVine has ethical screens on all of our investments, for both our investment strategy options – there is no ‘non-ethical’ investment option. Disclaimer - Hive Empire Pty Ltd (trading as finder.com.au, ABN: 18 118 785 121) provides factual information, general advice and services on financial products as a Corporate Authorised Representative (432664) of Advice Evolution Pty Ltd AFSL 342880. Growth has a higher allocation to shares and property. When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. FairVine is issued by Aracon Superannuation Pty Ltd (ABN 13 133 547 396) as Trustee of the Aracon Superannuation Fund (ABN 40 586 548 205). You can accrue your unused contributions for up to five years. Income Protection insurance pays a set percentage of your monthly income for a selected term, in the event you are unable to perform your usual occupation as a result of illness or injury. To find out if you are eligible, visit the ATO’s website. By keeping our overheads low, we keep our fees to our members low, meaning our fees are lower than the average Industry fund. We have one super simple fee structure - 1.2 % pa of your super balance; no other fees. Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. Combining all your super can save you money by not paying multiple fees, reduce your paperwork, and make it easier to keep track of your retirement savings. Life Insurance (also called death cover) provides a lump sum benefit if you die or are diagnosed with a terminal illness. When do my TopUps and RoundUps get processed? Traditionally, super has been structured in a way that doesn’t account for career breaks or non-traditional work patterns. Want more Equity Mates? In light of this, FairVine Super has designed a new super product to help Australian women increase their super balance. Making extra contributions into your super can be difficult. In by EquityMatesMay 28, 2020Leave a Comment. FairVine has been designed from the ground up to achieve those objectives, with powerful savings and information tools to promote strong member outcomes. Super is important, as it accumulates wealth that will support you throughout your retirement. FairVine is a superannuation fund designed for women. We partnered with Hannover Re to offer insurance that is affordable so you can plan for your retirement and know that you will be covered for unexpected events. What are the tools you provide to help women save more? FairVine has been designed for women, however many of our features can also help men to boost their super. We designed FairVine from the ground up, with unique solutions to suit woman’s journey to financial freedom. If you increase your cover over $500,000, our life insurance company (HannoverRe) will ask you to answer a more detailed questionnaire. For more information, please read our Insurance Guide here. To minimise insurance premium costs, Income Protection is not included in our default cover. A super fund designed for Australian women. All you need is your TFN, we will do the rest for you. The hosts of Equity Mates and any contributors to EquityMates.com are not financial professionals and are not aware of your personal financial circumstances. Before you start, you’ll need a couple of things handy: • Your address, email and mobile details • Your Tax File Number (TFN) For your security, you’ll be asked to verify your details through your phone and email. FairVine PDS is available on this website by clicking here. It is not intended as a substitute for professional financial, legal or tax advice. 100% ethical investments. We believe that as women we should seize our financial power to move from financial dependence to financial freedom. Simple. Most people can choose which fund they want their employer super contributions to be paid into. Women look after their health better and live longer. Is there an extra fee for ethical investing? Before making any financial decisions you should read the Product Disclosure Statement (PDS) and, if necessary, consult a licensed financial professional. We provide tools so you can sort and filter these lists to highlight features that matter to you. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market. FairVine Super is a super fund designed for women. For most people earning at least $450 per month (before tax), employers are required, by law, to pay contributions directly into your super account. When you join FairVine, we will email you all the information your employer needs, which you can simply forward on to HR or payroll officer. This includes contributions made on your behalf through our FairRewards program, RoundUps and TopUps. Join the FairVine community today, to use our award-winning tools to reach for real financial freedom. [FairVine Super] Human Financial Pty Ltd (ABN 14 615 610 305) is the promoter of FairVine and an AFSL Corporate Authorised Representative (No.

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