Accumulation 2


With accumulation-style super, you can choose how your whole account is invested. Your super balance is influenced by the amount of contributions you make and the performance of the investment markets.

If you're an Accumulation 2 member, your balance is made up of:

  • up to 17% employer contributions
  • any standard member and voluntary contributions, rollovers and (positive or negative) investment returns
  • less any fees, costs, charges, insurance premiums, applicable taxes and other deductions.

Becoming an Accumulation 2 member

If you’ve just joined the DBD, you get to decide within the first 24 months of your membership whether to stay in the DBD or transfer to Accumulation 2. If this sounds like you, take some time to read the following information:

Accumulation 2 members enjoy:

See how Accumulation 2 account rates against other funds' products.

Choosing how your balance is invested

As an Accumulation 2 member, you can choose how your whole balance is invested from our range of investment options. You can learn more about the options we offer using our investment choice tool or by reading our How we invest your money booklet (PDF, 3.5MB).

If you don’t make an investment choice when joining UniSuper, your balance will automatically be invested in the Balanced option, our default investment option and our MySuper offering.

Making contributions

As an Accumulation 2 member, you’re likely to be receiving either 14% or 17% super contributions from your employer and be making what's known as standard member contributions into your super.

Standard member contributions

When you become an Accumulation 2 member, you're generally still required to make standard member contributions at the rate of 7% of your salary, unless you already exercised contribution flexibility while you were a DBD member.

The rate of 7% assumes you make the standard member contributions on an after-tax basis. If you make the standard member contributions on a before-tax basis the rate will be 8.25% of your salary. If you didn’t exercise contribution flexibility as a DBD member, you still have the option of reducing your standard member contributions as an Accumulation 2 member.

Reducing your standard member contributions

You can reduce your standard member contribution rate through an arrangement known as contribution flexibility.

If you didn’t exercise contribution flexibility while you were a DBD member you can still reduce your standard member contributions—down to zero if you receive 17% employer contributions or to at least 2.55% if you're receiving 14% employer contributions.

If you've already exercised contribution flexibility while you were a DBD member, that decision will apply to your contribution levels in Accumulation 2. You may also choose to reduce your contribution level further (within the permitted contribution levels).

Reducing your standard member contributions will reduce the amount of super you save.

Download the Contribution flexibility fact sheet and application form (PDF, 646 KB).


Regardless of whether you’ve reduced your standard member contributions, depending on your age, you can also make additional voluntary member contributions to your super including:

  • Regular (before- or after-tax) member contributions in addition to your standard member contribution rate, and
  • Once-off lump sum member contributions.

You’ll find more about this in the Defined Benefit Division and Accumulation 2 PDS.

When contributing to super, it’s important to be aware of the government limits, or contribution caps, that apply.

Insurance in your super

Eligible Accumulation 2 members are provided with Death, TPD and Income Protection insurance cover through the group insurance policies we have with our Insurer. Premiums apply. For more information about your insurance when you transfer from the DBD to Accumulation 2, please read the booklet What happens to your inbuilt benefits if you choose Accumulation 2 (PDF, 1.62 MB).

Get in touch

If you have any questions about Accumulation 2, or your membership in general, contact us.