How mysuper works

Joining mysuper is simply a matter of four decisions. How much would you like to contribute (if at all), how would you like to structure your account between unlocked and locked (any which way), would you like to choose your investment fund (or leave that to us), and would you like life or income protection insurance added on? The choices are all yours and we'll walk you through every step along the way.

• 1. Choose your contribution rate Contributions are deducted from your salary with each pay and paid alongside ACC's contributions into your mysuper account. This section helps you choose the level of contribution that suits you.
• 2. Choose your account structure You can choose to structure your mysuper account as unlocked or locked, or a combination of both, to best suit your needs. Locked retirement savings can't be touched until retirement, unlocked retirement savings can be accessed when you leave ACC.
• 3. Choose your investment fund We offer two ways to invest your retirement savings depending on how much involvement you'd like in choosing how they are invested: easyselect lets us choose, selfselect lets you choose.
• 4. Choose from our insurance add-on You can add-on life and income protection insurance, with premiums paid from your mysuper account. And if you add insurance within 90 days of joining ACC, you'll have automatic cover of pre-existing conditions.