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Ancillary Membership

An Ancillary Membership allows you to make additional contributions into an accumulation account to take advantage of flexible contribution and investment options.

An Ancillary membership is a great way for PSS and CSS members to grow their super in the PSSap, without impacting the calculation of their defined benefit.

Take advantage of expanded options in PSSap including:

  • The opportunity to make salary sacrifice contributions
  • Make additional personal contributions
  • Choice of 4 investment options
  • lifePLUS death, TPD and income protection insurance*
*Eligibility criteria apply

Key features of a PSSap Ancillary membership

Type of Scheme Profit For Members Meaning Net Investment Returns Are Returned To Members
Eligible contributions/rollovers Salary sacrifice

Personal (after-tax) contributions

Spouse contributions

Rollovers from other super

Accumulated transfer amounts
Investment choice
One or a mix of up to four investment options:


Income Focused



You must choose an investment option when you join.
Insurance cover Members can apply for income protection, death and TPD insurance
Fees and costs
Administration fee: $5 per month ($60 per year)

Exit fee: $50 per withdrawal

Investment management fees: estimated at 0.14% - 1.56% per annum based on the fund’s total assets
Investment switches
First two investment option switches are free each financial year

$20 for each subsequent switch in that year
Keeping you informed
Online account management

Annual member statement

Customer Information Centre

What can I not do?

If you are a PSS or CSS member, you cannot receive Superannuation Guarantee (SG) contributions to your PSSap Ancillary member account.

Your final benefit

A final benefit for a PSSap Ancillary member comprises:

  • Eligible contributions and rollovers (if applicable)
  • Investment earnings (positive or negative)
  • Fees and charges
  • Withdrawals (if applicable)
  • Rollouts to other funds (if applicable)
  • Taxes
  • Insurance premiums (if applicable )
  • Final benefit

For more information

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