A message to our fund

We want you to build this, because we love each other.

We're not writing because something's gone wrong. We're writing because the legal systems haven't kept up with how people actually live now, and we want to be ready for whatever happens, together. We think you're the ones who could actually make that possible.

You already have what this needs

This isn't a stretch for you.

You already verify income. You already hold trust accounts. You already split payments under superannuation law that neither partner can cancel alone. You already know how to build something that just quietly works in the background of people's lives. We're not asking you to invent a new kind of institution. We're asking you to point what you already do at a problem that matters to us.

What we're asking for

A Separation Income Guarantee: something that verifies both our incomes every month, and if we ever separate, keeps paying out the shares we agreed on while we still loved each other enough to be generous. No court. No renegotiating years later. No one left wondering if the other person will do the right thing.

We think you could offer this the way you already offer everything else that matters over a lifetime, quietly, reliably, and only when it's actually needed.

Who to ask

Major Australian super funds.

Named here for information only. None of these funds are affiliated with ForBothOfUs, have endorsed it, or have committed to building anything. That's exactly the question worth asking them.

AustralianSuper

Australia's largest fund by members and assets.

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Australian Retirement Trust

Second largest, formed from the QSuper/Sunsuper merger.

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Aware Super

One of the largest funds open to all Australians.

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Hostplus

One of the largest funds by membership.

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HESTA

A leading fund for the health and community services sector.

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Cbus

A major industry fund, originally for the building and construction sector.

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UniSuper

The dedicated fund for Australia's higher education and research sector.

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REST

One of Australia's largest funds by membership.

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ForBothOfUs is not affiliated with, endorsed by, or acting on behalf of any fund listed here. Links go to each fund's own public website.

A starting point

Make it your own before you send it.

A message that sounds like every other member's gets ignored. Use these as a starting point, not a script to copy.

Worth mentioning:

  • You'd like to know if the fund has plans to offer a Separation Income Guarantee for the caregiving partner after a separation.
  • You've heard the idea and want to know if it's on the roadmap.
  • You'd want this as a feature of your own membership, not a hypothetical.
"I've been a member for [X] years. My partner and I have talked about what would happen to our family financially if we ever separated, and we'd want any income split we agreed on to keep paying out automatically, verified through ATO data, without either of us having to chase it. Is a Separation Income Guarantee, or something like it, on your roadmap? We'd genuinely love to see our own fund build this."