ADF Super

ADF Super is the super fund for current and former members of the Australian Defence Force.

Join ADF Super

We’re proud to offer ADF Super – a fund designed just for current and former members of the ADF.

How it works

  1. Saving for your future

    As a member of the Defence Force, your employer contributes 16.4% of your super salary into your ADF Super account. You can add extra money to your super by making before-tax and after-tax contributions, or by transferring in money from other super funds to help grow your savings.

  2. We invest your money

    Contributions to your account are invested, so the value of your super depends on the amount of those contributions and the net returns from their investment over time, minus fees and costs.

  3. When you're ready to retire

    You generally withdraw your super when you’re ready to leave the workforce. In some cases, you may be able to access your super or a portion of it earlier.

Choose investment options to suit

Our range of investment options recognises customers’ appetite and capacity to take risks changes over different stages of your life.

Investment options

With you for life

ADF Super can be your super fund wherever your career takes you, even if you leave the ADF (after 12 months of continuous service).

Changing jobs

We’re your guide

Access financial planning and free education to help you make the most of your super through webinars, seminars and videos.

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Investment options

ADF Super offers four investment options: MySuper Balanced, Cash, Income Focused and Aggressive. These options have been designed to work for you at different stages of life to help you reach your retirement goals.

Investment options
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Transparent fees and costs

We're non-profit and only charge the fees necessary to operate the fund. This often means significant net benefit for your savings, and more in your account for retirement.

Fees and costs
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Sometimes the unexpected happens in your civilian life, and we’re here for you if it does. While you’re serving, you can access ADF Cover. When you’re out, you may have access to lifePLUS Protect.

ADF Cover

If you’re under the age of 60 and serving in the ADF, you’ll be automatically covered by ADF Cover. This provides death and invalidity benefits for your family if you die while serving or are discharged because you are medically unfit for service.

While you’re serving, you’ll also be covered for death caused by natural reasons, and for injuries or events that are not service-related.

lifePLUS Protect – for when you discharge

Once you leave the ADF, you may be eligible for lifePLUS Protect auto. If you are eligible, factors like your age and account balance determine if you have to opt in or if your cover is turned on automatically. lifePLUS Protect includes cover for Death and Total Permanent Disablement (TPD).

If you’re not eligible for lifePLUS Protect auto, you’d like more or less cover, or you’d like to apply for Income Protection, you may like to apply for lifePLUS Protect choice.

You can apply for lifePLUS Protect cover at any time if you stay with ADF Super after discharge. You can also cancel your insurance at any time.

About lifePLUS Protect

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Join ADF Super

Join the super fund for current and former members of the Australian Defence Force.

Join ADF Super

Product disclosure statement

ADF Super Product Disclosure Statement

Issued 24 September 2021, this document provides important information about the features, benefits, risk and cost of investing your super in ADF Super.

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