A super fund that rewards women and supports our goals.

Why FairVine Super?

There are many causes behind the super gap. Women are often paid less for the same roles, spend longer out of the workforce, and are more likely to undertake unpaid work like raising children and caring for parents and relatives.

Nevertheless, one thing is clear: we want to level the playing field.

So, we created FairVine – a super company designed for Australian women.

We built a super fund that provides real, accessible solutions. FairVine Super offers tools and benefits to help grow your super. Simple.


So, how is FairVine different?


A shopping portal that allows you to earn cashback into your super when you shop with major brands


An automated saving tool that rounds up your bank transactions to the nearest dollar, and contributes into your super


An automated saving tool that allows you to make regular extra contributions or any deposit extra windfalls into your super


Automatically split super contributions between partners who are FairVine Super members

100% fee rebate on Parental leave

100% fee rebate while on parental leave for up to 12 months**

Small balance protection

100% fee rebate for balances under $5,000**

No fees for separation splitting

No fees for splitting balances during separation

Free Tickets

Free Tickets to a range of FairVine Events


All investment options are ethical by default

Great, but how can that help me?

What difference can $5 make?
Contributing only $5 a day from the age of 30 can give you an extra $104,606 in retirement.*  Retirement may not be on your radar now, but it could make all the difference!

Keep in mind, FairVine's philosophy is no-hassle. That's why we created tools like RoundUps - so you can watch your balance grow without thinking about it.

All our extra-saving tools are completely optional. There is no obligation to save any extra! At FairVine, your money is in safe hands - check out our team below.

Who is behind FairVine?


Executive Chair

Sangeeta is the Executive Chair of FairVine.  Previously she was the first CEO of an Australian broking company.  Sangeeta has also held very senior positions at CBA, Morgan Stanley and Goldman Sachs and is currently a Board Member of Women In Banking and Finance.


Executive DIRECTOR

Andrew has a deep knowledge of the key drivers of wealth creation.  He was previously the CEO of Alpha Beta Capital, an investment management company, and prior to that has held senior roles in a number of hedge fund and private equity  funds globally.



Rachel is in charge of our Member’s experience.   Rachel has had extensive experience in fast paced, highly regulated, customer-centric industries, and brings this experience to bear in designing and delivering the FairVine member offering. Previously at Air New Zealand and Virgin Australia, where she managed and mentored teams of 1000+ customer-facing people


non-Executive DIRECTOR

Janette is a non-executive Director of FairVine.  Janette is currently the Managing Director and Head of Business Development for State Street Global Exchange in the Asia Pacific region. Before joining Global Exchange, Janette was the head of State Street’s Analytics Consulting business in Asia Pacific and previously, she headed Thomson Reuters’ investment management sales team in Asia Pacific.


non-Executive DIRECTOR

Kate is a non-executive Director of FairVine. Kate is currently a Director Research and Development and Emerging Markets at leading nutritional company BioCeuticals (the practitioner arm of Blackmores) Previously Kate worked at a corporate wellness company, BeLife.


head of technology

Chang is our “brain on legs”.  Chang has 2 PhD’s in Computer Science, specialising in cryptography. He has more than five years’ experience in designing and implementing secure algorithms, protocols, and systems, and is using this expertise to create the secure systems that underpin the FairVine offering.  Previously Chang worked at Alpha Beta developing complex systems.


Corporate Partnerships & Engagement

Prue has over 15 years experience in the Financial Services industry in both Sydney and London. Prue has extensive experience in arranging industry conferences, corporate roadshows, investor field trips and other marketing initiatives both domestically and internationally. Prue’s role at FairVine Super is to deliver a seamless five-star service to all our corporate clients. Prue strongly believes in what FairVine Super has to offer to women of all ages and will endeavour to help women achieve financial freedom when they retire.


Corporate Partnerships & Engagement

Leyla is a dedicated relationship manager with extensive experience working in financial markets and the consulting space across Sydney and London. Having been on both the buy and sell side of capital markets she has a strong understanding of what it takes to build authentic and enduring partnerships.  


Creative content Producer

Bea is our in-house creative producer, responsible for creating all kinds of content for the FairVine brand. As a graduate of UNSW with a Bachelor of Media Arts, her expertise is in making inspiring videos, creating engaging animations and designing captivating graphics.



Alice is responsible for the smooth running of FairVine. Her Bachelor of International Studies has equipped her, as the operations lead, to keep our diverse and busy team on task. Alice is also responsible for keeping us stocked with delicious imported biscuits.


head of marketing

Declan has a background in management consulting, specialising in digital transformation. He has deep knowledge of marketing and advertising technology, as well as extensive experience in buying media across all major digital platforms. Declan also worked as a voiceover artist for over 20 years, including long tenures at The Disney Channel and the ABC.



Esmond brings together the distinct nuances from the fields of entrepreneurship, strategy and consultancy. Leveraging his learnings from his time at EY and his commitment to the world of innovation at Generation Entrepreneur, Esmond works with the team to deliver the most innovative and impactful products and services. As the youngest member of the FairVine team, Esmond also brings unwavering energy and enthusiasm to all that we do.

I've got a few more questions...

Who is investing my money?

What are FairVine’s fees? How do you compare to other funds?

Anything else to tell me?

When do my TopUps and RoundUps get processed?

If you have activated RoundUps, the transactions from your RoundUps will be processed every week on Wednesday, but may not be taken out of your bank account until Friday. The contribution will be in your FairVine account a few days after it leaves your bank.

If you are using TopUps, the one-off amount you top up should deduct from your selected bank account the next business day. If you have activated weekly TopUps, it will be processed on Wednesdays, the same as RoundUps.

When can I access my super?

You can access your super when you turn 65, or when you retire from the workforce after reaching the ‘preservation’ age. For people born after 1964, the super preservation age is 60.

Super is designed to fund your retirement, however there are very limited circumstances that allow you to access your super early, under specific medical conditions or severe financial hardship. The ATO has more information.

What type of insurance do you offer?

We offer Life Insurance (also referred to as Death Insurance), Total and Permanent Disablement (TPD) Insurance, and Income Protection Insurance.

What is TPD Insurance?

TPD (Total and Permanent Disablement) insurance provides a lump sum benefit if you suffer an illness or injury that leaves you totally and permanently disabled. This can be due to either physical or mental ill-health.

Total and permanent disablement means that due to your illness or injury, you are unable to perform your job, and unlikely in the future to secure gainful employment suited to your education, training or experience. See our insurance guide for further information.

What is the gender superannuation gap?

Women currently retire with almost half the super of men. Traditionally, super has been structured in a way that doesn’t account for career breaks or non-traditional work patterns. Furthermore it is calculated as a percentage of income, and Australian women earn, on average, 14% less than men. This problem is compounded by the fact that women typically live longer than men.

Studies suggest that around 40% of single women in retirement are living in poverty and, sadly women over 55 are now the fastest growing group of homeless Australians.

This is not just a gender issue, it’s an Australian issue.

What is superannuation?

Superannuation (super) is a government initiative to help you save for your retirement. Your employer makes contributions, and you can also make contributions yourself. Your super fund then invests your superannuation money on your behalf. Super is important, as it accumulates wealth that will support you throughout your retirement.

Super is a tax effective way to save for your future, as contributions to your super are taxed at a lower rate than your normal income.

What is Life Insurance?

Life Insurance (also called death cover) provides a lump sum benefit if you die or are diagnosed with a terminal illness.

What is Income Protection insurance?

Income Protection insurance pays a set percentage of your monthly income for a selected term, in the event you are unable to perform your usual occupation as a result of illness or injury.

FairVine recognises that people have different insurance needs and many do not require Income Protection. To minimise insurance premium costs, Income Protection is not included in our default cover. However, if required, you can add Income Protection as part of your insurance in our member portal. All online, no forms required. Simple.

What is FairVine's USI?

Fairvine's USI (Unique Superannuation Identifier) is 40 586 548 205 002.

What is a default super fund?

Most employers will put your super into a “default” fund they have selected unless you tell them you want your contributions to go to a different fund. Choosing your own fund is a normal practice.

What investment options do you have?

FairVine’s investments are diversified across Australian and International shares, fixed interest investments, Australian listed property, and cash. There are two investment strategy options: Balanced and Growth.

Growth has a higher allocation to shares and property. It is designed for members seeking longer-term growth who are willing to accept increased short-term fluctuations.

Balanced has more cash and fixed interest investments. It is designed for members seeking medium to long-term growth, with some short-term fluctuations in returns.

What happens to my old super accounts when I join?

When you join FairVine, we will find any of your existing super accounts and you can decide if you would like to consolidate them into your FairVine account. All you need is your TFN, we will do the rest for you.

Combining all super accounts can help save individuals save money by not paying multiple fees, reducing paperwork, and making it easier to keep track of retirement savings.

Please note that by closing an existing super account any insurance you have with that super account will also cease.  There may also be exit fees in closing existing super accounts.

What happens if I earn less than $450 per month?

Unfortunately, if you earn less than $450 per month from an employer, they do not have to pay you super. We hope this will change in the future, but in the meantime, we made contributing to your super really simple. Using any of our tools, you will be able to make contributions to your super account hassle-free. Take action today and boost your retirement savings with FairVine's tools.

What are the tools you provide to help women save more?

By keeping our overheads low, we keep our fees to our members low, meaning our fees are lower than the average Industry fund. We have one super simple fee structure - 1.2 % pa of your super balance; no other fees.

We also refund fees whilst a member is on parental leave - we believe fees should never eat your super balance away while you’re not contributing. We also do not charge for less common super fund actions such as family law splitting, as most other funds do.

Due to the high level of regulation,  almost all public super funds perform within about 1 percent of each other - so we make the difference by providing enabling products to help women save. We chose these after talking with Australian women and seeking to understand their spending and saving habits - we want to make it easy to save.

What are FairVine's fees?

FairVine charges a flat fee of 1.2%.

Super funds typically charge a range of fees including investment fees, indirect fees and weekly admin fees, making it very difficult to work out what different funds actually charge.

Recent research for the Australian Institute of Superannuation Trustees found that for a $50,000 balance, the average fees across growth super funds is 1.47%.

Please note, the 1.2% FairVine fee does not include optional insurance costs.

What are carry-forward concessional contributions?

If you have less than $500,000 in your super, from 1 July 2018, any year your super account receives less than $25,000 in contributions, you can ‘carry forward’ your unused amount and take advantage of it in future years. You can accrue your unused contributions for up to five years.

Why combine super accounts?

According to the ASIC website, the benefits of having all your super in one account include:

  • saving costs by paying only one set of fees
  • reducing your paperwork
  • making it easier to keep track of your super.

We make it easy to combine your super - we can help find it and consolidate it. All you need is your TFN (hint- find this on a recent payslip, tax return or you may have provided this to your bank).

Please note that by closing an existing super account any insurance you have with that super account will also cease.  There may also be exit fees in closing existing super accounts.

Is super compulsory?

For most people earning at least $450 per month (before tax), employers are required, by law, to pay contributions directly into your super account. This is called the Superannuation Guarantee and is currently 9.5% on top of your base salary.

Is FairVine Super regulated?

FairVine is regulated like all major super funds.

FairVine Super is part of a Registrable Superannuation Entity and regulated by APRA in accordance with the Superannuation Industry (Supervision) Act.

This means that FairVine Super members are protected by the same strict government regulations that apply to all major super funds.

In addition, FairVine Super is governed by a Trustee who is responsible for the prudential operation of the fund.  As such, your money with FairVine Super has the same protections in place as with any major super fund.

If I make extra super contributions, what happens with my tax?

Contributions to your super are taxed at the low super rate of 15%, which means when you make personal contributions from your after-tax money, you can claim a full deduction at tax time. This applies to contributions (including those from employers) up to $25,000 per year. Please note, age restrictions apply to extra super contributions, which can generally be made up to the age of 65, or up to 75 if certain conditions are satisfied.

I have rolled over, but I can’t see my balance.

Some superannuation funds are very slow to release your savings and it may take up to 3 weeks to rollover your super.

I have insurance with my current super fund. Can I switch this over?

Yes, you can apply to transfer your existing cover from your current super fund to FairVine provided you meet the eligibility conditions.

For more information, please read our Insurance Guide.

We recommend that you consult a licensed or authorised financial adviser if you require financial advice that takes into account your personal circumstances.

Furthermore, there may be insurance implications in the period during which the existing fund ceases before the cover with FairVine commences. In these situations, we recommend consulting a licensed or authorised financial advisor.

How much super do I need?

How much super you need depends on how much income you want each year when you retire. According to the ASFA, a common guide provided is that, in today’s money, a comfortable retirement (for homeowners) requires $545,000 saved into your super. This would provide you with an income of $42,764 per year.

How much money am I allowed to contribute to my super each year?

You are allowed $25,000 in super contributions each year, at the low 15% tax rate. This is often referred to as the concessional contribution cap, and includes all employer and personal contributions.

If your super balance is less than $1.6 million, you can also make up to $100,000 in non-concessional contributions to your super, at your normal tax rate.

How much superannuation do I receive?

The Superannuation Guarantee contribution from your employer is currently 9.5% of your base salary. This will increase to 10% in 2021, and then increase gradually each year until it reaches 12% in 2025.

You can also make personal contributions (up to a limit) at the super discounted tax rate of 15%. This is often referred to as the concessional tax rate.

How much is my default cover?

FairVine knows insurance can cost a fortune and it doesn’t have to. We partnered with Hannover Re to offer insurance that is affordable so you can plan for your retirement and know that you will be covered for unexpected events.

The amount of default Life and TPD cover you will receive vary according to age, and the premium rates depend on your age, gender and occupation classification. Please read our Insurance Guide for more info and have a look at the insurance calculator.

How does super work?

When you start a new job, your employer will ask you to select a super fund. ASIC recommends consolidating super accounts if you have more than one to save money on fees, reduce paperwork, and make it easier to track your super.

You can also make personal contributions to your super. If you do this with your after-tax money, you may be able to claim a full deduction at tax time.

How do I switch super funds?

Simple. Just click here and signup to FairVine. Once you have rolled your super over, your previous super fund will close automatically.

There is no need to contact your current super fund to switch accounts.

Before switching, we recommend that you consult a licensed or authorised financial adviser if you require financial advice that takes into account your personal circumstances. There may also be complications on your insurance cover if you switch super accounts. Contact your current insurance provider/super fund to find out what this might look like.

How do I join FairVine?

Simple. Just click here and signup to FairVine. It's all online and only takes a few minutes. All you need is your TFN (Tax File Number) which you can find on your pay slips, tax return, or your MyGov account.

Once you have rolled your super over to FairVine, your previous super fund(s) will close automatically. There is no need to contact your current super fund to switch accounts.

Before switching, we recommend that you consult a licensed or authorised financial adviser if you require financial advice that takes into account your personal circumstances. There may also be complications on your insurance cover if you switch super accounts. Contact your current insurance provider/super fund to find out what this might look like.

How do I get the government co-contribution?

If you are earning a low income (including during parental leave) the government will boost your super account up to $500 every financial year, when you make personal contributions. This includes contributions made on your behalf through our FairRewards program, RoundUps and TopUps. These can be paid into your FairVine account automatically.

To find out if you are eligible, visit the ATO’s website.

Does insurance cost the same for men and women?

Women look after their health better and live longer. We believe your life insurance premium should reflect this.

FairVine has negotiated a simple generous default insurance package for our members, with cheaper premium rates for women.

Can men join FairVine?

Absolutely, FairVine has a number of male members, and we welcome more. The average man retires with around half the super balance suggested by ASIC for a comfortable retirement. FairVine has been designed for women, however many of our features can also help men to boost their super.

Can I increase my insurance cover with FairVine?

Yes, you can increase or decrease your insurance at any time with a few clicks in your portal. If you increase your cover over $500,000, our life insurance company (HannoverRe) will ask you to answer a more detailed questionnaire.

Can I choose my super fund?

Most people can choose which fund they want their employer super contributions to be paid into. You just need to provide the details of your preferred super fund to your employer. When you join FairVine, we will email you all the information your employer needs, which you can simply forward on to HR or payroll officer.

Can I change between investment options?

Absolutely! You can change your investment option at anytime, just click balanced or growth in your FairVine member portal and confirm. Please note that there is a buy/sell investment spread charged when you switch between investment options.

Are your investments ethical?

FairVine has ethical screens on all of our investments, for both our investment strategy options – there is no ‘non-ethical’ investment option.

We exclude companies involved in the production of tobacco products and controversial weapons from all of our investments. This means your retirement savings are not supporting companies involved in producing things like landmines, chemical and biological weapons, or depleted uranium weapons.

Because it's the right thing to do.

Are you an industry fund?

We are a retail fund; industry funds are created for a specific workgroup and are generally designed to reflect the interests of people in that industry. We are focussed on enabling Australian women reach financial independence.

We'd love to have you in the FairVine community. Hit the button below to get started!