We recently hosted a webinar on Stockspot Super and received a lot of great questions. Below are some of the most common ones, along with answers to help you get set-up.
Common questions included:
- How can I open a Stockspot Super Account?
- Can I have more than one Stockspot Super account?
- Can I change my recommended super portfolio to an alternative strategy?
- Is there insurance available in Stockspot Super?
- How can I apply for insurance?
- Can I move my insurance from another fund across to my Stockspot Super account?
- Is there a pension offering available?
- What are the fees for Stockspot Super?
- What are the underlying investment fees?
- How can I submit a rollover?
- How do I direct my employer SG into my Stockspot Super account?
- What is the default rebalancing setting?
- How can I set-up my death benefit nominations?
- Can I access the First Home Super Saver Scheme (FHSS) through Stockspot Super?
- I have an SMSF, do I need to change anything?
- Can I access personal advice on tax and contribution strategies?
- What are the main differences between Stockspot Super and other funds like Australian Super
How can I open a Stockspot Super account
If you’re already a Stockspot client, you can open a super account directly from your dashboard. Just click ‘Add Super account’ and follow the steps. It only takes a few minutes.If you’re a new client or want to keep your accounts separate, head to the Stockspot website, click ‘Get Started’, then select ‘Super’.
Can I have more than one Stockspot Super account?
Yes, you can open multiple super accounts. This is helpful if you want to run different investment strategies – for example, having some of your super in a balanced portfolio and some in a growth strategy.
Can I change my recommended super portfolio to an alternative strategy?
Yes. Your recommended portfolio is based on your age, which helps guide the appropriate level of risk. But you’re welcome to choose a different strategy.
To change it, go to ‘Your Investments > Your Super Portfolio’, scroll to ‘Change Strategy’, choose your preferred option and re-sign your agreements. We recommend speaking to one of our advisers before making any changes.
Is there insurance available in Stockspot Super?
Yes. You can apply for life cover, total and permanent disability (TPD) cover, and income protection cover. These are provided by MetLife, one of Australia’s largest insurers.
How can I apply for insurance?
Once your super account is set up, go to the Insurance section in your dashboard and select ‘Opt-In’. You’ll be guided through an online application, which takes around 15–20 minutes depending on your medical history.
You can also use our tools to estimate the level of cover and premiums. A member of our team may follow up with a few extra questions, and we’ll submit your application to MetLife on your behalf. Approval usually takes 1–2 weeks, and we’ll keep you updated throughout the process.
Can I move my insurance from another fund across to my Stockspot Super account?
No. It’s not possible to transfer cover from another fund. If you want to keep your current insurance, we recommend contacting your provider to understand what balance or contributions you need to maintain that cover.
Does Stockspot Super have a pension offering available?
We plan to launch Stockspot Pension in Q4 2025. You can join the waitlist to stay updated on the launch.
What are the fees for Stockspot Super?
Fees are based on your super balance and your recommended portfolio.
For clients under age 52 with a balance under $500,000, the total fee is 0.86% p.a. This includes:
- The Stockspot MDA fee
- The ETF investment fees
- The Super Simplifier admin fee
Admin fees are capped for balances above $500k — the most you’ll pay is $1,760 p.a. You can also access this cap as part of a family group of up to six members. Just email us to set this up.
What are the underlying investment fees?
The ETF fees vary depending on your portfolio. For Topaz (High Growth) the weighted average ETF fee is 0.28%. That’s $28 on a $10,000 balance. We aim to keep these fees as low as possible. If you need help understanding the total fees you pay with your current fund, chat with our team who can help.
How can I submit a rollover?
You can request a full or partial rollover directly from your dashboard. Go to ‘Consolidate my super’ and complete the online form. We handle the rest.
You can also submit a rollover through your existing super fund or via the ATO if you prefer.
How do I direct my employer SG into my Stockspot Super account?
Inside your dashboard, go to ‘Manage my super’. You can either:
- Enter your employer’s email address and we’ll send them your new super details, or
- Download and print a ‘Notify your employer’ form and give it to them directly.
What is the default rebalancing setting?
The default is ‘buy only’. This helps minimise capital gains tax inside your super and allows us to use SG contributions to address any underweight assets.
You can switch to ‘always rebalance’ if you’d prefer more frequent adjustments to stay aligned with your target portfolio.
How can I set-up my death benefit nominations?
You can do this in your dashboard. Go to ‘Manage my super’ and click on ‘Forms’ to access the death benefit nomination options.
Can I access the First Home Super Saver Scheme (FHSS) through Stockspot Super?
Yes, you can. Please review the eligibility rules on the ATO website to ensure you’re eligible to use the scheme.
I have an SMSF, do I need to change anything?
No changes are needed if you’re already using your SMSF to invest in Stockspot portfolios. If you have questions, our team is happy to assist.
Can I access personal advice on tax and contribution strategies?
We provide personal advice when you join Stockspot Super, including a tailored portfolio recommendation and a Statement of Advice (SOA). We can also offer general advice on tax and contribution strategies. Reach out to our team if you’d like help.
What are the main differences between Stockspot Super and other funds like Australian super?
Some key differences include:
- Transparency: You can see exactly what you’re invested in.
- No performance smoothing: Our ETFs are priced at market value daily — no opaque valuations or unlisted assets.
- Tax efficiency: You don’t inherit tax liabilities from other members leaving the fund.
- Low turnover: Our index ETFs minimise transaction costs and tax drag.
However unlike some of the larger funds, we don’t offer the option to invest in just one asset class, like Australian shares. So if you’re after a single asset investment, we’re probably not the right fit.
