mysuper – flexible superannuation for ACC staff
mysuper is ACC’s staff superannuation scheme. You can contribute to mysuper at the same time as KiwiSaver, as they are independent of each other, and you can choose to access your investment when you leave ACC if you’d like.
ACC contributes an additional 9% of your salary
You choose which superannuation scheme that contribution will go to. With mysuper the choices around how you’ll access and invest that 9% contribution are also yours. We offer three plans to make choosing easy.
mysuper plans
Unlocked
For the most flexibility
Put all contributions into an ‘Unlocked’ account that you can access when you have left ACC.
- Withdraw from your unlocked investment when you leave ACC
- 0% contribution required by you
- Ability to change to a locked plan at anytime
- Optional Life and Income Protection insurance can be added on
- Not eligible for government contributions
- Not eligible for a first homebuyer withdrawal or grant
Part Locked
For the best of both worlds
Put 3% of all contributions into a 'Locked' account you can access when you’re 65, with the rest unlocked.
- Minimum 3% contribution required
- The first 3% of contributions made by you and ACC are locked
- Anything above 3% is unlocked
- Withdraw from your unlocked investment when you leave ACC
- Optional Life and Income Protection insurance can be added on.
- Eligible for government contributions
- Eligible for a first homebuyer withdrawal and grant
Locked
For the long-term
Put all contributions into a ‘Locked’ account you can access when you’re 65.
- Minimum 3% contribution required
- All contributions made by you and ACC are locked
- Eligible for government contributions
- Eligible for a first homebuyer withdrawal and grant
- Not eligible for Optional Life and Income Protection insurance
All mysuper plans include:
Consistently
low fees
Flexible
contribution rates
Flexible
investment strategies
Continued investment
after ACC
How does mysuper perform?
No matter which mysuper plan you choose, you can select from any of the four mysuper investment funds offered and benefit from the performance expertise of our investment managers.
With every plan you can choose the fund and risk profile to match your investment appetite and life-stage, reviewing performance along the way.
Consistently low Fees
As a scheme that's 100% member owned and not for profit, mysuper fees are low and all profits are returned to members.
Trusted for over 30 years
mysuper was created to help ACC staff save towards an enjoyable retirement. Today it’s not only about retirement, it’s also about the life you live and the goals you have along the way.
7 out of 10 ACC staff choose mysuper.
New to superannuation?
Superannuation can seem complicated, and retirement a long way off, but it’s important to think about it.
To support you, boost your financial capability, and learn more about mysuper, we have tools to help and offer regular online sessions.