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  • ING DIRECT
    and link it to your home loan Plus we ll rebate the ATM owner fee every time you use your Orange Everyday Visa Debit Card at any ATM in Australia regardless of the amount withdrawn Did you find this response helpful Yes No You may also be interested in How can I apply for a home loan How can I access redraw What is redraw How do I set up

    Original URL path: https://www.ingdirect.com.au/applications/IntelliResponse.aspx?irquestion=Is+redraw+available+on+home+loans (2014-07-08)
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  • ING DIRECT
    Mortgage Simplifier discount of 0 06 p a Smart Home Loan discount of 0 50 p a For more information on SmartPack call us on 133 464 our Customer Care Specialists are available 24 hours a day 7 days a week Did you find this response helpful Yes No You may also be interested in Can I get the SmartPack interest rate discount on an Orange Advantage home loan What

    Original URL path: https://www.ingdirect.com.au/applications/IntelliResponse.aspx?irquestion=What+is+smartpack (2014-07-08)
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  • Compare SMSF Products. Choose Your SMSF Today - ING DIRECT
    loans Home loan calculators Home loan interest rates Superannuation Superannuation Easy to understand super with low fee and even no fee options All superannuation More about super and retirement Living Super The first Balanced option available to all Australians with no admin or management fees SMSF Cash High variable interest rate on the cash component of your SMSF SMSF Term Deposit High fixed interest rate for your SMSF You choose the timeframe Your tools How Living Super works Living Super investment options Superannuation calculators Superannuation interest rates Business Business Straightforward banking for your business All business More about business Business Optimiser High variable interest business savings account with 24 7 access Business Term Deposit High fixed interest rate for business savings You choose the timeframe Commercial Loans For investors looking to refinance or purchase commercial property Your tools Business calculators Business interest rates About us Contact us Help and support BSB 923 100 Home Superannuation Compare SMSF Compare SMSF accounts SMSF Cash SMSF Term Deposit For those who want to earn high interest for your SMSF cash on your entire balance For those who want fixed investment returns for your SMSF cash with your choice of terms Sign up now Sign up now Rates and fees Interest rates Variable interest rate Fixed interest rate 4 00 p a variable welcome rate New Business Optimiser customers will receive a variable welcome rate currently 4 00 p a for 6 months from account opening on balances up to 1 million Welcome rate subject to change 2 50 p a 30 day term 3 30 p a 90 day term 3 30 p a 120 day term 3 40 p a 180 day term 3 60 p a 210 day term 3 40 p a 270 day term 3 60 p a 330 day term 3 70 p a 1 year term 3 90 p a 2 year term Interest rate calculations and payments Calculated daily paid monthly Paid at maturity ING DIRECT fees and charges Nil Nil Features Withdrawals and deposits from a linked external account Yes Top up at maturity Loyalty bonus N A 0 10 above the standard term deposit rate When you renew your Business Term Deposit non cumulative for the same or different term at maturity Special features Deposit withdraw money from a linked external account for easy access Fixed investment returns for your SMSF cash component with your choice of terms Government guaranteed Minimum requirements Minimum deposit Nil 10 000 Who can apply An Australian SMSF with an Australian registered address An Australian SMSF with an Australian registered address SMSF Cash SMSF Term Deposit Sign up now Sign up now Important Information Information and interest rates are current as at 13 June 2014 and are subject to change The interest rate that applies to Term Deposits are the interest rates that are current on the date the Term Deposit is opened The advertised Business Optimiser variable welcome rate applies for 6 months from the date the Business

    Original URL path: http://www.ingdirect.com.au/superannuation/smsf-compare.html (2014-07-08)
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  • About superannuation - About Super - ING DIRECT
    loan calculators Home loan interest rates Superannuation Superannuation Easy to understand super with low fee and even no fee options All superannuation More about super and retirement Living Super The first Balanced option available to all Australians with no admin or management fees SMSF Cash High variable interest rate on the cash component of your SMSF SMSF Term Deposit High fixed interest rate for your SMSF You choose the timeframe Your tools How Living Super works Living Super investment options Superannuation calculators Superannuation interest rates Business Business Straightforward banking for your business All business More about business Business Optimiser High variable interest business savings account with 24 7 access Business Term Deposit High fixed interest rate for business savings You choose the timeframe Commercial Loans For investors looking to refinance or purchase commercial property Your tools Business calculators Business interest rates About us Contact us Help and support BSB 923 100 Home Superannuation Tips hints and guides About superannuation About superannuation About superannuation Super is a means of saving for retirement which is in part compulsory Nearly every Australian has the right to choose the fund into which their employer pays their super The Federal Government has provided tax advantages and other benefits which generally make super one of the best long term investment vehicles It s your super so take control Choice of fund Most Australian employees are eligible to choose the super fund into which their employer Superannuation Guarantee SG contributions are paid these contributions are also known as compulsory employer contributions ING DIRECT Living Super can accept SG contributions If you would like to have your SG contributions paid into your ING DIRECT Living Super account all you need to do is complete the Super Choice form and submit this to your employer The form can be

    Original URL path: http://www.ingdirect.com.au/superannuation/tips-hints-guides/about-superannuation.html (2014-07-08)
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  • Superannuation contributions - Guides and Tips - ING DIRECT
    Personal contributions In addition to concessional contributions you can contribute from your after tax income to your ING DIRECT Living Super account You can make regular personal contributions from your after tax salary or personal one off lump sum contributions Government co contributions You may be eligible to receive a co contribution from the government if you earn less than a set threshold in a financial year and make after tax contributions to your super Co contributions are outlined in further detail below Spouse contributions Your spouse may make contributions to your ING DIRECT Living Super account as long as the contribution is paid from an account in the name of your spouse or a joint account where your spouse is an account holder Also if you earn less than 13 800 a year and your spouse makes an after tax contribution to your account your spouse may be eligible for a tax offset of up to 540 conditions apply Contribution caps Contributions that exceed the contributions caps will have additional tax applied to them The caps for 2013 2014 and 2014 15 are outlined below Concessional contributions cap Age at 30 June 2013 Annual cap for 2013 14 Under age 59 25 000 Age 59 and over 35 000 Age at 30 June 2014 Annual cap for 2014 15 Under age 49 30 000 Age 49 and over 35 000 If you exceed the concessional contributions cap you will receive a notice of excess contributions assessment from the ATO Excess contributions made after 1 July 2013 will be included in your assessable income for the corresponding financial year and taxed at your marginal tax rate plus the Medicare Levy less a 15 offset In addition you will be liable for the excess concessional contributions charge Excess concessional contributions also count towards the non concessional contributions cap and as such it may be possible to have both rates of tax apply to the same contribution Where you make excess concessional contributions after 1 July 2013 you may apply to withdraw 85 of this amount from your super account Non concessional contributions cap Age at 1 July 2013 Annual cap for 2013 14 Under age 65 150 000 annually or 450 000 under the bring forward rule Age from 65 to 74 150 000 annually Age 75 and over 0 non concessional contributions cannot be made Age at 1 July 2014 Annual cap for 2014 15 Under age 65 180 000 annually or 540 000 under the bring forward rule Age from 65 to 74 180 000 annually Age 75 and over 0 non concessional contributions cannot be made The bring forward rule means if you are under the age of 65 you can contribute more than the single annual cap in a financial year You can contribute up to three annual caps worth of non concessional contributions over three financial years including as one contribution or multiple contributions in the same financial year If this is done in the first

    Original URL path: http://www.ingdirect.com.au/superannuation/tips-hints-guides/superannuation-contributions-explained.html (2014-07-08)
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  • Accessing your Super - ING DIRECT
    definition of permanent incapacity Therefore in some circumstances you may satisfy one definition and not the other Please see the Insurance in your Super section for more information on TPD become temporarily incapacitated allowing payment of an income stream subject to restrictions Temporary incapacity means where you have ceased to be gainfully employed due to ill health whether physical or mental but does not constitute permanent incapacity are diagnosed with a terminal medical condition die have been given a release authority or transitional release authority to pay excess contributions tax to the ATO obtain approval from the Department of Human Services DHS on the basis of compassionate grounds as defined in superannuation law This may be considered to cover specific expenses related to a serious medical condition or to prevent the forced sale of your home by your mortgagee or in other circumstances To find out more information please go to dhs gov au satisfy severe financial hardship conditions If you are having difficulty meeting reasonable and immediate family living expenses and are receiving Commonwealth income support payments you may qualify for the early release of your super To find out all the requirements and apply to have your super released you will need to download the Severe Financial Hardship form Simply log on to ingdirect com au select My Super Finances and then downloads and links where the value of your benefit when released is less than 200 this condition of release does not apply to temporary residents or held a temporary resident s visa which has expired and you ve permanently departed Australia To find out what evidence you will need and how to apply for the early release of your super on the grounds of being permanently incapacitated temporarily incapacitated or for having a terminal medical condition you will need to contact ING DIRECT on 133 464 Before you make any withdrawal request you should check any tax or social security limitations and implications that may apply Refer to the How super is taxed section in this Product Guide for further information on how these benefits are taxed You will need to provide certified proof of identification prior to accessing your super In addition to the above in certain circumstances there may be monetary limits on the amount of money you can access from your super even if you satisfy one of the conditions of release Preservation Age Your preservation age is between 55 and 60 depending on your date of birth Your preservation age can be determined using the following table Transition to Retirement account A Transition to Retirement TTR account allows you to receive an income stream once you have reached your preservation age while still working and contributing to superannuation It enables you to draw down income payments subject to minimum and maximum income payments each year as prescribed by the Government Lump sum withdrawals are not allowed unless you are age 65 or older or have met another condition of release listed in

    Original URL path: http://www.ingdirect.com.au/superannuation/tips-hints-guides/accessing-your-super.html (2014-07-08)
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  • Rollover Case Study - Superannuation - ING DIRECT
    Sylvia It made no sense to me paying multiple administration fees especially since my marriage ended a few years ago and I find myself single and in my 50s forced to start all over again In my situation every dollar saved counts Q Why did you choose Living Super Sylvia I m an existing ING DIRECT customer and have always liked their products I trust the company and like the way it operates Q Have you been satisfied Sylvia Very satisfied yes Living Super offers a range of investment choices but with lower administration fees than most other super funds I looked at Q How many old super accounts did you have Sylvia I had a number of different super accounts as I moved jobs which during my marriage I rolled over into our self managed super fund Later I went back to a major super provider but when I saw the fees I looked around for an alternative I read about Living Super and after comparing the features of both funds decided to roll over my super benefits into Living Super Q How did you find the process of rolling over your super Sylvia The process was easy with Living Super I pretty much did everything online then I spoke to a very helpful customer service officer who walked me through the whole process and answered my questions along the way It was that simple I checked whether I would have to pay any exit fees on leaving my old super fund and once I gave authorisation for the rollover it was all done automatically Again barely any paperwork to fill out which was great I decided not to transfer the insurance I had with my last super provider but instead applied for new cover with Living Super This I did online within moments Q How does it feel now that you have consolidated your super Sylvia It is empowering I can see my account balance online and if I choose to change investment options I can do so at any time Of course if I buy or sell shares to change the mix I pay a brokerage fee and there are transaction costs for switching between the managed investment options But it s good to know that there are currently no administration fees if I opt for the Balanced option I like the feeling of being in control of my own account and keeping track of my investments Q How was your view of superannuation and your retirement savings changed as a result Sylvia The move to Living Super has not changed my view of super as we still have to comply with often complex government laws From the point of view of a single woman in her 50s a novelist who lives on royalties and ad hoc freelance work this account is terrific It enables me to manage my investments while knowing that Living Super has one of the lowest fee structures in the super industry Also

    Original URL path: http://www.ingdirect.com.au/superannuation/tips-hints-guides/sylvias-rollover-story.html (2014-07-08)
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  • Insurance Case Study - Superannuation ING DIRECT
    property Your tools Business calculators Business interest rates About us Contact us Help and support BSB 923 100 Home Superannuation Tips hints and guides Garry s insurance story Garry s insurance story Garry Adams explains why insurance is important to him and why he turned to Living Super Q Why is it important to you to have insurance Garry Insurance is important to me because it gives me peace of mind for the cost of the insurance premiums As main income earner for my partner my family can be confident that if the unforeseen happens ill health or worse my death the family unit s income is still assured and we re financially protected Many people think they don t need insurance or that it is too expensive but if I didn t have it then I would worry about what would happen if the unexpected hits and then it is too late Q What are the benefits to including insurance as part of your Living Super account Garry It s great Living Super offers income protection total and permanent disability and death cover Everything is in one package Insurance premiums are conveniently paid out of my super account automatically every month Q What tools did you use to help you Garry I used the online insurance planner to calculate how much insurance cover I might need and then considered my personal objectives financial situation and needs in deciding how much cover to apply for Anyone uncomfortable with going online can apply over the telephone Q How did you find the process of applying for insurance Garry That was straightforward I liked what I saw when I went into ING DIRECT s website so I applied to transfer the insurance I had with other super providers to Living Super online If people prefer they can apply over the telephone Either way it is an easy process Q What benefits has insurance given you Garry In the end it all comes back to peace of mind and knowing that my family and I are protected financially should life take an unwelcome turn Q What Insurance cover do you have Garry I have Death and Total and Permanent Disability cover with fixed premiums Q Are you happy with the cost of the insurance premiums Garry Yes I am quite chuffed with the cost Q Have you compared the premium costs with the fund that you were with previously Garry Looking at my account online I have compared my current premiums with what I was previously paying and I can tell you that I have the biggest smile on my face Also in this section Also in this section About superannuation Superannuation contributions explained Accessing your super Living Super Important Information Living Super rates can be viewed at ingdirect com au The Trust Company Superannuation Limited ABN 49 006 421 638 AFSL 235153 RSE L0000635 is the Trustee of the ING DIRECT Superannuation Fund ABN 13 355 603 448 Fund and the issuer

    Original URL path: http://www.ingdirect.com.au/superannuation/tips-hints-guides/garrys-insurance-story.html (2014-07-08)
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