Advice for your Active Super Retirement Scheme benefit.

Active Super merged into Vision Super on 1 March 2025, by a successor fund transfer. Member entitlements and assets moved to the Local Authorities Superannuation Fund, which trades as Vision Super. The Retirement Scheme didn’t close with the brand: it still sits inside Vision Super as its own product, and you log in at visionsuper.com.au. The old activesuper.com.au address now redirects there. Vision Super’s member outcomes assessment for the year to 30 June 2025 puts the combined fund at around 170,000 member accounts and around $30 billion. Both funds served local government, which is why they were put together.

The Retirement Scheme transferred with you on 1 March 2025. It’s still a defined benefit, worked out from your service and salary rather than from an investment balance, and the Benefit Points you had already built stayed with the scheme. Vision Super now administers it. Your statement and a benefit estimate from the fund show your own figures — confirm any question about them with Vision Super.

They are how the Retirement Scheme measures what you have built up. For each 1% of salary you contribute in a year, you generally earn one Benefit Point. Think of it as a stamp on a card: put in 6% of salary for a year and you generally get six stamps. For most exits, each point is worth 2.5% of your final salary or final average salary. The scheme’s own example: an average of 6% of salary for 30 years builds 180 Benefit Points, which produces an employer-funded benefit of 4.5 times your final average salary. For most full-time members the cap is 180 points, or six times your years of membership, whichever is smaller. Accrual rates differ for some of the older schemes, so read your own statement rather than a colleague’s.

Early retirement age is usually 58. For some members who came from an earlier scheme, including the State Public Service Superannuation Fund and some Local Government Benefits Fund and former Sydney Electricity memberships, it's 55. Being allowed to take the benefit is one thing; whether going early is the right call for your household is a separate question. Your statement and the fund’s benefit estimate show the figures that apply to the date you're circling.

If you were previously in the Local Government Pension Fund, the Transport Retirement Fund or the NSW Retirement Fund, you retained an option to convert all or part of your Employer Financed Benefit into a lifetime pension. The official member guide says that election is available when you retire after reaching age 60, or if you're totally and permanently incapacitated or die before retirement age. Those pensions are paid for life, rise with the Consumer Price Index, and attract a 15% tax rebate. Some can be set up so a spouse keeps a pension after you die. Whether that option applies to you is on your own record, not a neighbour’s.

You log in at visionsuper.com.au. The official login page is for Vision Super and Active Super accounts, and activesuper.com.au now redirects there. This page is an advice firm, not the fund — for a password reset, a member number or a balance, go to Vision Super or call Member Services on 1300 300 820.

The Active Super Retirement Scheme USI is LGS0105AU. The fund ABN is 24 496 637 884, for the Local Authorities Superannuation Fund. Your employer should use the USI printed on your current statement. Other Active Super and Vision Super products have different USIs, so the letters on the statement are the ones that matter.

Yes, if you’ve reached your preservation age. A TTR pension lets you draw a regular income from some of your super while you keep working — think of it as topping up pay if you cut hours, or as a way to salary-sacrifice more while you're still employed. The official member guide says contributory members can start one using the Other Contributions account and the Contributor Financed Benefit — the money you have put in, plus any extra amounts sitting beside the defined benefit — provided the combined starting balance is at least $25,000. You can't use the Employer Financed Benefit for TTR, and the defined Basic Benefit generally can't be used either — with one exception the guide names: from age 65, while still employed, the Basic Benefit may fund a TTR. There's no cooling-off once the application is accepted, and the TTR has to stay inside this scheme.

The Retirement Scheme is closed to new members. Two limited exceptions sit in the official member guide: a person taking up a job with a participating employer who wants to transfer an existing State Authorities Superannuation Scheme (SASS) benefit, and certain members who have had a salary reduction of 20% or more and choose to crystallise and defer the benefit on the higher salary.

If you’re happy with how the Retirement Scheme is building, there’s often no reason to move. If the merger left you unsure whether the arrangement still stacks up, we can benchmark what you hold against five leading comparable funds so you know where it stands. If it holds up, you’ll know you’re fine. If it doesn’t, we can help you weigh a move of anything that can actually leave — insurance, timing and tax included.

You can take an immediate benefit or elect to defer it. Deferral keeps the retirement entitlements in the scheme until you reach early retirement age (usually 58), meet a condition of release at preservation age, or die or become totally and permanently incapacitated. Once deferred, the whole benefit — including the employer-funded defined parts — is invested in your chosen option and earns investment returns until it's paid. The official guide warns that choosing the immediate withdrawal amount can mean giving up a significant portion of the Employer Financed Benefit. Confirm the two figures with the fund before you pick.

Nothing. It’s a free half hour. Tell us what you’d like to discuss and we’ll explain if and how we can help, including any fees, before you decide to go ahead.