FAQs

Yes. Within your super, you can opt into Standard ‘Death cover’ and/or ‘Death & Total and Permanent Disability (TPD)’ and/or ‘Income Protection’ if you’re deemed eligible during the insurance application process (when you sign-up to TOMORROW).

If you’re ineligible for Standard cover, you can consider applying for our ‘Tailored cover’ any time — subject to medical underwriting and acceptance by the Insurer. For more, see our TOMORROW Insurance booklet.

The insurer, TAL, was Overall Platinum Winner of the 2019 Plan for Life/AFA Life Company of the Year Awards.

If you’d like to know more about personal insurance, speak with your financial adviser. The info in our PDS is general only and doesn’t take into account your personal objectives, financial situation, needs or circumstances. Before acting on this info, you should consider its appropriateness.

If you apply for insurance with TOMORROW, you will get a quote for insurance during the sign-up process. You’ll be able to choose between Death only, Death and Total and Permanent Disability, or no insurance. If you’re already a member with TOMORROW, you can check how much your insurance premiums cost through TOMORROW Investor Online and for a more detailed breakdown, refer to the Insurance Product Disclosure Statement.

You can manage your preferred beneficiaries (the people you would prefer to receive your death benefits) by completing a ‘Beneficiary nomination form’ found in our product documents section.

You can make different types of nominations, including a binding, non-lapsing binding, non-binding death benefit nominations or reversionary beneficiary nomination (for pension accounts only) for your TOMORROW account. Complete a ‘Beneficiary Nomination form’ and e-mail this to: [email protected]

You are able to change your payments from retirement income stream via the TOMORROW Investor Online or by completing a ‘variation of pension form’. You can choose any pension payment amount within the required minimum or maximum (if applicable) limits.

Generally, you can change your pension payment details at any time during the year by letting us know in writing. Changes to your pension payment details will generally be effective for the next pension payment if you provide your instructions to us more than 10 business days before the next pension payment date.

Payments will be made from your pension account to your nominated bank account. You can choose whether you’d like to receive the payments bi-monthly, monthly, quarterly, half‑yearly or yearly.

Changing your investment options can be done via TOMORROW Investor Online or by contacting the TOMORROW customer service team online or via [email protected].

A full list of TOMORROW’s investment portfolios is shown in the Investment Booklet

You should review your investment strategy regularly with a personal financial adviser especially if there are any changes to your personal circumstances.

The information in the TOMORROW FAQ & Product Disclosure Statement (PDS) is general information only and does not take into account your personal objectives, financial situation, needs or circumstances. Before acting on this information, you should consider its appropriateness, having regard to your personal objectives, financial situation, needs and circumstances.

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All securities and financial products involve risks. Past performance of any product described on this site is not a reliable indication of future performance. This website may contain forward-looking statements, forecasts, estimates and projections. TOMORROW (or it’s related entities) does not represent or warrant that such forward statements will be achieved or will prove to be correct. Actual future results and operations could vary materially from them.

Unless otherwise stated to the contrary, TOMORROW (or any related entities) do not guarantee any particular rate or return, the performance of any investment or the repayment of capital from any investment. Investment is subject to investment and other risks. Possible risks could include delays in repayment and loss of income or capital invested.

As with all super funds, TOMORROW charges fees.

TOMORROW charges:
A tiered Administration fee (up to 0.55%pa) depending on your super balance;
An account keeping fee of $180 pa;
A cash management fee (1.75% pa on your ‘Cash Holdings’ balance);
Expense recovery fee of 0.035% pa;
and an investment management fee of up to 0.60% pa (depending on investment option chosen) + an investment management fee (if and where applicable)

To understand all fees and costs with TOMORROW, you should refer to the Product Disclosure Statement (PDS) and the Investment Booklet for the fees and costs that apply.

You generally have to wait until you reach your ‘preservation age’ in order to access your super. The other means is to meet a strict ‘condition of release’ rule, or for if you are using your super to buy your first home under the ‘First Home Super Scheme (FHSS)’.

TOMORROW aims to be Australia’s first dedicated direct-to-consumer managed account and currently does not offer personalised financial advice for its products. However, we understand there may be complex and specific scenarios where you’ll want to consult your own professional financial adviser or tax accountant for personalised financial advice.

The information in the Product Disclosure Statement (PDS) is general information only and does not take into account your personal objectives, financial situation, needs or circumstances. Before acting on this information, you should consider its appropriateness, having regard to your personal objectives, financial situation, needs and circumstances.

General information regarding superannuation and retirement can also be found on the ASIC MoneySmart website.

Who is MoneySmart?
MoneySmart is (Australian Securities and Investment Commission) ASIC’s website for consumers and investors. The MoneySmart website was created by ASIC to help you take steps to improve your personal finances.

Yes, you can roll into TOMORROW via the sign-up process, TOMORROW Investor Online or by completing a ‘rollover form’. To roll over your SMSF, you must first complete wind up of your SMSF. If you would like help with this, please get in contact with us. The rollover form can also be found on the forms page, which can be sent to [email protected]

You should consult your personal Financial Adviser and/or an Accounting professional to understand the implications of winding up your SMSF.

You can check your super balance through TOMORROW Investor Online. Login at www.tomorrowsuper.com.au

You can find your super statement through TOMORROW Investor Online by logging in at www.tomorrowsuper.com.au. Contact us at [email protected] or chat with us online today at www.tomorrowsuper.com.au if you need assistance.

Simply provide the following to your employer.

TOMORROW (‘the product’) is offered through the HUB24 Super Fund (‘the Fund’)

Fund name: HUB24 Super Fund
Australian Business Number (ABN) : 60 910 190 523
Unique Superannuation Identifier (USI) : 60 910 190 523 001

Your details:
Account name
Super Fund Member number

Who is HUB24 Super fund?

HUB24 Limited is listed on the Australian Securities Exchange (ASX) with $15bn funds under administration (FUA) and provides a range of fund services. These include administration of investments, investment management, superannuation and custody services. The Product Disclosure Statement (PDS) is a summary of significant information about investing in TOMORROW, which is a product issued from the HUB24 Super Fund.

For details of how to contribute to your super account, log in to TOMORROW Investor Online for your Bpay® details to make personal contributions. Alternatively, contact the TOMORROW client service team online or at [email protected].

Keep in mind that there are limits on the amount of personal super contributions you can make in a financial year without paying additional tax.

‘Rollover’ is another way of saying ‘transferring’ your money to another super fund. Rolling over into TOMORROW can be done via TOMORROW Investor Online and during the sign-up process. A ‘Rollover form’ can also be found in our product documents page.

Contributing to your super directly from your (before-tax) pay is known as ‘salary sacrifice’ (or before-tax contributions). Ask your employer to set up salary sacrifice directly from your pay. The salary you “sacrifice” gets taxed at 15% (which could be lower than your marginal tax rate). Salary sacrificed super contributions count towards your concessional contribution cap, be sure to stay below your concessional cap limit.

When you start a new job, your employer will begin making regular contributions to your super. Once you start your new job, you have the choice to either join their automatic ‘default’ superannuation fund, or nominate your own superannuation fund if you already have an existing one. Generally, you will need to provide the following details to your employer:

The fund’s name, Australian Business Number (ABN), Unique Superannuation Identifier (USI), your account name and membership number.

If you need: TOMORROW’s fund details:

TOMORROW (‘the product’) is offered through the HUB24 Super Fund (‘the Fund’)

Fund details:

HUB24 Super Fund
Australian Business Number (ABN) 60 910 190 523
Unique Superannuation Identifier (USI) 60 910 190 523 001

Your details:

Account name
Super Fund Member number

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Who is HUB24 Super fund?

HUB24 provides a range of fund services. These include administration of investments, investment management, superannuation and custody services. The Product Disclosure Statement (PDS) is a summary of significant information about investing in TOMORROW, which is a product issued from the HUB24 Super Fund.

You can make contributions to your employee via SuperStream with the details below:

TOMORROW (‘the product’) is offered through the HUB24 Super Fund (‘the Fund’)

Fund details:
HUB24 Super Fund
Australian Business Number (ABN) 60 910 190 523
Unique Superannuation Identifier (USI) 60 910 190 523 001

Employee details:
Account name
Super Fund Member number

Who is HUB24 Super fund?

HUB24 provides a range of fund services. These include administration of investments, investment management, superannuation and custody services. These include administration of investments, investment management, superannuation and custody services. The Product Disclosure Statement (PDS) is a summary of significant information about investing in TOMORROW, which is a product issued from the HUB24 Super Fund.