Advice for your Netwealth account.

Netwealth is a platform — an administration service that holds investments and superannuation in one place, used by financial advisers for their clients. Netwealth says it was founded in 1999 by Michael Heine. Its own about page, checked 16 August 2026, lists more than 162,000 account holders, more than $118 billion in funds under administration and management, and more than 3,900 advisers using the platform. Super and retirement accounts sit inside the Netwealth Superannuation Master Fund, with Netwealth Superannuation Services Pty Ltd as trustee. Its super products include Super Accelerator, offered as Core and Plus, and the Russell Investments Super Series. Wealth Accelerator is the non-super investment service.

On Super Accelerator Core, Netwealth publishes an administration fee of 0.15% a year on balances up to $750,000, subject to additional fixed and minimum fees. On Super Accelerator Plus the administration fee is tiered: 0.37% a year on the first $250,000, 0.27% on the next $250,000, 0.17% on the next $500,000, 0.06% between $1 million and $2.5 million, and nothing above $2.5 million, plus a $240 a year fixed fee and a $550 a year minimum. Think of administration as the running cost of the account — record-keeping and the online portal. On top sit investment fees for whatever you hold, any insurance premiums, and any adviser fee you have agreed to. Administration and percentage-based adviser fees are calculated daily and taken monthly from the cash account; other fees can run on their own timing. Your statement and the current Super Accelerator disclosure documents are the figures that apply to you. (Netwealth help centre and Accelerator Core page, checked 16 August 2026.)

Super Accelerator is Netwealth’s superannuation product, sitting inside the Netwealth Superannuation Master Fund. It comes as Super Accelerator Core and Super Accelerator Plus. Core is the shorter menu: Netwealth’s Global Specialist Series funds and models, term deposits, cash, and more than 70 investments. Plus is the wider menu: Australian and international listed securities, 400+ managed funds, managed account models, term deposits and cash. Both versions list the same account types: Personal Super, a Transition to Retirement Income Stream, a Standard Income Stream and a Term Allocated Pension. There’s also a Russell Investments Super Series inside the same fund. (From netwealth.com.au, checked 16 August 2026.)

An adviser fee is money you agree to pay a nominated financial adviser, deducted from Super Accelerator or Wealth Accelerator. It’s separate from Netwealth’s own administration fee. Netwealth lists upfront, ongoing, fixed-term, once-only and ASX-listed securities advice fees. Ongoing percentage fees are calculated daily and taken monthly from the cash account. For Super Accelerator and Super Accelerator pensions, from 1 July 2026 Netwealth caps upfront and ongoing advice fees at 2.2% of the account balance, with a $10,000 including GST ceiling, and won’t charge an advice fee on a balance below $10,000. Member consent is required before Super Accelerator advice fees are deducted, and ongoing Super Accelerator fees need renewing each year. (Netwealth help centre, updated 19 July 2026, checked 16 August 2026.)

The Unique Superannuation Identifier for Netwealth Superannuation Master Fund Personal Super is NET0017AU. Employer Sponsored Super is NET0018AU, the Transition to Retirement Income Stream is NET0019AU, the Term Allocated Pension is NET0020AU and the Standard Income Stream is NET0021AU. The fund ABN is 94 573 747 704. Think of the USI as the product code your employer or another fund uses to send money to the right account. Incorrect details can delay a contribution or transfer, or cause it to be rejected. (Netwealth help centre, checked 16 August 2026.)

It isn’t superannuation. Wealth Accelerator is Netwealth’s investor directed portfolio service — in plain terms an ordinary investment account. You keep beneficial ownership with consolidated tax reporting (custodial assets are typically registered to Netwealth on your behalf), and it isn’t subject to the rules that lock super away until you retire. Your super sits somewhere else entirely: inside the Netwealth Superannuation Master Fund, usually in Super Accelerator. (From Netwealth’s published material, checked 16 August 2026.) Because super and ordinary investments follow different tax and access rules, they belong in the same conversation rather than being treated as one pot.

Not for the investment account, on Netwealth’s own account of it. Its Wealth Accelerator material states that you’re not required to have a financial adviser in order to use Wealth Accelerator, while adding that some features may not be available to you if you don’t have one. It also states that if you don’t appoint a financial adviser as your nominated financial adviser, no advice fees are charged. (From netwealth.com.au, checked 16 August 2026.) Netwealth's PDS says an adviser isn't required for Super Accelerator either, though some features may be unavailable without one. You can also check whether an advice fee is being deducted and which service agreement it relates to.

You instruct Netwealth. Its own material describes the arrangement plainly: when you signed the application form and nominated advice fees, you were instructing Netwealth to pay those fees to your adviser’s licensee and authorising Netwealth to deduct them from your cash account. It goes on to say that you may instruct Netwealth to terminate any or all advice fees at any time. (From netwealth.com.au, checked 16 August 2026.) ASIC’s Moneysmart sets the general rule underneath that: you must give written consent each year for an ongoing advice fee to keep being charged, and you can end the arrangement at any time. Moneysmart also suggests checking the terms of your own arrangement for any notice period before you assume it stops the same day. Ending the fee doesn’t move the money and doesn’t close the account.

Netwealth’s help material says changing your nominated adviser is done with its change-of-adviser form rather than online (your login’s Authorise Adviser setting controls what an adviser can do, not who your adviser is). Changing the adviser doesn’t move your money or close anything. Before you switch, check which services and fees will continue or end.

That depends which account. For Wealth Accelerator, Netwealth’s material describes a withdrawal you request yourself through your online account: Transactions, then Pay and Withdraw, then Withdrawal (netwealth.com.au, checked 16 August 2026). The money is yours to take, subject to whatever has to be sold first to raise the cash and to the time that takes to settle. Superannuation is different, because the law decides when you can have it rather than the platform. ASIC’s Moneysmart sets out the general position: you can get at your super from age 60 if you’re retired or you leave a job, and from age 65 whether you’re still working or not. Between 60 and 65 you can also open a Transition to Retirement Income Stream, which lets you draw on part of your super while you keep working. If your money is in Super Accelerator, whether you can take it out at all turns on your age and your work situation, not on any form Netwealth can process.

Family fee linking lets related people join up to six Super Accelerator Plus or Wealth Accelerator Plus accounts so the administration fee is worked out on the combined balance rather than on each smaller balance. Core accounts can’t be linked this way. The rebate applies only to the percentage part of the administration fee, not the fixed dollar part. Netwealth’s help centre uses a couple with $90,000 and $600,000 Super Accelerator Plus accounts: linking them charged the pair at the $690,000 combined balance and saved about $180 a year in that example. Accounts have to be on the same fee structure, and the Family group request form goes to contact@netwealth.com.au. (Netwealth help centre, checked 16 August 2026.)

Netwealth Group Limited, which is listed on the Australian Securities Exchange under the code NWL. Michael Heine established the business in 1999 and remains a director; Matt Heine is chief executive. Underneath the listed company sit the entities named on your paperwork: Netwealth Superannuation Services Pty Ltd is the trustee of the Netwealth Superannuation Master Fund, and Netwealth Investments Limited ABN 85 090 569 109, AFSL 230975 is the operator of the Netwealth Wrap Service and the custodian for both the super fund and the wrap service. (From netwealth.com.au, checked 16 August 2026.)

No. Industry funds are profit-to-member, meaning they have no shareholders and what they make goes back to members. Netwealth’s superannuation sits in the Netwealth Superannuation Master Fund, run by a trustee inside a company listed on the ASX, and it’s reached through a platform that financial advisers use. Those are two different structures. Different structures offer different investment menus, services and fee arrangements. A comparison can support keeping the account, changing its settings or considering another option.

Keeping the account is a normal outcome, and we’ll say so when that’s the right call. A lot of our work is industry, government and corporate super, and a Super Accelerator or Wealth Accelerator account is something we look at as well. A benchmark against five leading comparable funds is how you see where this one stands — fees, insurance and service included — without assuming you should leave. Insurance, nominations and any adviser-fee arrangement do NOT simply travel with a move — cover can end or need new underwriting, nominations restart under the new fund's rules, and fee deductions need fresh authority — so they belong in that comparison.

Start with Netwealth. Write to The Complaints Manager – Investor Services, Netwealth Investments Limited, PO Box 336, South Melbourne VIC 3205, email complaints@netwealth.com.au, or call 1800 888 223. Netwealth says it strives to acknowledge complaints within 24 hours, responds to standard complaints within 30 days, superannuation complaints (other than death benefits) within 45 days, and death benefit distributions within 90 days. (netwealth.com.au contact page, checked 16 August 2026.) If the response doesn’t satisfy you, the Australian Financial Complaints Authority is the next step and it’s free: 1800 931 678, afca.org.au. Netwealth’s AFCA membership number is 79400 for Super Accelerator and the Master Fund, and 10709 for Wealth Accelerator. For a complaint about an adviser rather than the platform, it goes to the adviser’s licensee — and if you’re not sure who that is, the Financial Advisers Register on moneysmart.gov.au will tell you.

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.