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 how you'll access it, depending on which plan you choose.
ACC contributes up to 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.
- Minimum 2% contribution required by you, or you can choose to suspend your contribution by selecting 0%
- Up to 9% ACC employer contribution is applied in addition to your contribution (rules apply)
- Withdraw from your unlocked investment when you leave ACC (rules apply)
- Ability to change to a locked plan at anytime
- Optional Life and Income Protection insurance can be added on (rules apply)
- Not eligible for government contributions
- Not eligible for a first homebuyer withdrawal
Part Locked
For the best of both worlds
Put the first 3.5% of all contributions into a 'Locked' account you can access when you’re 65, with the rest (if any) unlocked.
- Minimum 3.5% contribution required by you
- Up to 9% ACC employer contribution is applied in addition to your contribution (rules apply)
- The first 3.5% of salary contributions made by you and ACC are locked until you're 65
- Additional contributions above 3.5% are unlocked
- Withdraw from your unlocked investment when you leave ACC (rules apply)
- Optional Life and Income Protection insurance can be added on (rules apply)
- May be eligible for government contributions
- May be eligible for a first homebuyer withdrawal
Locked
For the long-term
Put all contributions into a ‘Locked’ account you can access when you’re 65.
- Minimum 3.5% contribution required by you
- Up to 9% ACC employer contribution is applied in addition to your contribution (rules apply)
- All salary contributions made by you and ACC are locked until you're 65
- May be eligible for government contributions
- May be eligible for a first homebuyer withdrawal
- 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 with a not-for-profit trustee manager, 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.
