General information

What is superannuation and why do I need it?

Superannuation, or super, is Australia’s compulsory long-term savings plan that enables you to save money for your retirement. Your employer pays a minimum of 10.5% of your salary into a super fund nominated by you. Crescent Wealth is one such super fund you can choose.

Contributions are made into your super account. These can be from your employer, you, your spouse and/or the government. Your entitlement is arranged into a fund which is invested into various assets, so they may accumulate and grow as part of your retirement savings. You can choose the investment option for your super that best meets your needs, ethical principles, and expectations.

Super is also a tax-effective way to save for your retirement: 

  • You only pay 15% tax on before-tax super contributions*
  • After-tax super contributions are not taxed as you have already paid tax on them
  • Earnings in the funds are taxed at 15%.

(Note: You may be taxed by the government on your super withdrawal, depending on the age you make the withdrawal and the amount withdrawn.)

*Please consult a financial planner or your tax agent for advice.

What is Islamic investing and why does it matter?

Islamic investment principles refer to an investment philosophy that differs substantially from the conventional approach.

At its core is building a better world through investments that benefit society, consider the environment, and support the well-being of our future generations.

Read more about our Islamic investment principles here.

How do you make sure your investments are Shariah-compliant?

All our investments comply with and adhere to the globally recognised standards for Islamic Investment principles as set by AAOIFI. AAOIFI is comprised of dozens of the world’s leading Islamic Finance scholars who also provide these standards for the world’s leading Islamic financial institutions and determine the laws based on Islamic Jurisprudence.

We also have a globally recognised Shariah Supervisory Board from Dubai - Dar Al Sharia - consisting of scholars of Islamic finance who monitor each of our funds’ adherence to the above principles. Dar Al Sharia has been awarded the World’s Best Shariah Advisory Firm and World’s Best Islamic Consultancy Firm seven years in a row with IFN. We have their fatwas for each of our specific products should you wish to view them.

In addition, each investment undergoes in-depth analysis for its Islamic compliance by IdealRatings, the world’s most trusted Islamic investment research firm. Established in 2006, IdealRatings works with investors like Crescent Wealth who want to align their values with their investment goals. Keeping pace with the significant growth and evolution of Islamic finance, they have been enhancing and expanding their tools and services for values-based investors.

This means we actively screen out investments that earn profits from market-prohibited goods or services such as alcohol, gambling, riba/interest, weapons and more. We also filter out companies that have high levels of debt/gearing, cash or short-term investments and receivables.

Read more about our Islamic compliance and investment philosophy.

Do I have to be Muslim to invest with Crescent Wealth?
Not at all. Our membership is made up of a wide spectrum of cultures. If responsible, ethical investment is important to you, then please consider becoming a Crescent Wealth customer.
How much will I need for a comfortable retirement?

The latest ASFA Retirement Standard estimates that a couple will need approximately $60,063 a year to enjoy a comfortable retirement or $43,695 if you are single.

But everyone is different and may have different needs and circumstances. ASFA can give you a sense of how much you may need to retire and whether you are on track, as well as helping you understand how your options and decisions can affect your superannuation in the long term.

When can I access my super and what is my preservation age?

Your preservation age is the age you can access your super if you are retired (or start a transition to retirement income stream).

If you were born before 1 July 1960, you have already reached your preservation age of 55 years. You can access your super once you have met a condition of release. If you were born after 1 July 1960 your preservation age depends on when you were born.

(Note: Preservation age is not the same as pension age.)

Date of birth Preservation age
Before 1 July 1960 55
1 July 1960 – 30 June 1961 56
1 July 1961 – 30 June 1962 57
1 July 1962 – 30 June 1963 58
1 July 1963 – 30 June 1964 59
From 1 July 1964 60


Once you retire or reach your preservation age you can:

  • Continue to hold your money in super, paying 15% tax on earnings and making withdrawals when it suits you*
  • Withdraw some or all of your money as a lump sum*
  • Use some or all of this money to start a pension account that pays you a regular income

* You may be taxed on your super withdrawal, depending on your age when you make the withdrawal.

What are Crescent Wealth’s fund details? (SPIN, ABN, USI, and postal address)

Super Fund Name:
Crescent Wealth Superannuation Fund

Superannuation product identification number (SPIN):

Australian business number (ABN):
71 302 958 449

Unique superannuation identifier (USI):
71 302 958 449 001

Crescent Wealth Funds Management (Aust) Pty Ltd. Australian Financial Services Licence (AFSL):

Fund postal address:
Crescent Wealth Superannuation Fund
GPO Box 4650, Melbourne VIC 3001

I can’t login to my online account. What do I do?

Your username is the nine-digit member number on the top right corner of your annual statement. If you’re unable to find your member number, please contact us on 1300 926 626.

If you know your username, but have forgotten your PIN, you can reset it through the Member Portal,  simply click “Reset PIN” and follow the instructions.

Where can I get more information about Crescent Wealth?
For more information, contact us on 1300 926 626 or read the product disclosure statement.
How do I sign up?
You can join online, or alternatively, call us on 1300 926 626.
Who manages my money?

Investment options in Crescent Wealth Super and formed from combinations of unit trusts under the trusteeship of Crescent Wealth Funds Management Limited.  The investments in each trust are managed by professional investment management teams (sub-advisors) who are unaffiliated with either Equity Trustees Superannuation Limited or Crescent Wealth Funds Management Pty Ltd.

Our highly skilled investment team undertakes global research and analysis, conducts due diligence and ultimately appoints the best and most appropriate investment managers as Crescent Wealth’s investment sub-advisors.

All funds are managed following Islamic investment principles while providing diversification across major asset classes such as Australian shares, international shares, Islamic money market securities, and listed and unlisted property.

Is my money safe with Crescent Wealth?

Superannuation is an investment for your retirement; Australia has a comprehensive regulatory framework in place to safeguard your super. Crescent Wealth Super Fund is registered under the Australian Prudential Regulation Authority (APRA).

Crescent Wealth does not physically hold any of your money. It is held by NAB Asset Servicing, a subsidiary of National Australia Bank as Crescent Wealth's independent custodian.

In addition, Crescent Wealth has Equity Trustees Superannuation Limited as the independent trustee responsible for the regulatory compliance and operations of the fund.

Are you licensed and regulated like other funds?

Yes. As required by law, the Trustee of the Fund, Equity Trustees Superannuation Limited, holds both an Australian Financial Services Licence – AFSL: 229757 (issued by ASIC) and a Registrable Superannuation Entity Licence RSE: L0001458 (issued by APRA).

In addition, our fund has been registered with APRA (the superannuation regulator) and has been given the Fund Registration Number R1075182.

The Crescent Wealth Super Fund Australian Business Number (ABN) is: 71 302 958 449.

What are your fees?

Crescent Wealth offers competitive ongoing investment fees. These may vary depending on the underlying composition of the assets within the investment option chosen.

Click here for a detailed breakdown of fees.

How can I grow my super?

There are things you can do today to increase your super for retirement:

  • Find lost super.
    There are millions of ‘lost’ super accounts in Australia worth billions of dollars. Some of this could be yours. Call us on 1300 926 626 and we’ll help you find any unclaimed super. 
  • Consolidate your funds*
    If you have multiple super funds, you may be paying multiple sets of fees every year that, over a lifetime, can add up to thousands of dollars. Let Crescent Wealth help you consolidate your super into one account. You can do this online or call us on 1300 926 626 and we’ll gladly take you through the process over the phone. 
  • Make additional contributions
    There are several ways you can make additional contributions to your super, including voluntary contributions, salary sacrifice and spouse contributions. Learn more about making additional contributions.
  • Discover government incentives
    Several government incentives are designed to help low- and middle-income earners build their super, including co-contributions and spouse contributions. Learn more about applicable government incentives.

*Before deciding whether to consolidate your super, consider any applicable fees (e.g. exit fees) or loss of benefits (e.g. insurance). 

**Please consult a financial planner or your tax agent for advice. 

Do you provide loans and mortgages?

No, Crescent Wealth is a superannuation and wealth management company. 

For ethical, Islamically-compliant finance solutions, you may consider Crescent Finance.

Back to top


Switching funds, rollovers & contributions

I’m changing jobs and want to keep my super with Crescent Wealth – what do I need to do?

Simply forward the Pay My Super form to your new employer, or call us on 1300 926 626, and we will assist you over the phone.

How do I find my lost super or rollover from an old fund?
If you’re already a Crescent Wealth member, contact us at 1300 926 626 and we’ll help you find any lost super that old funds or the ATO may hold. 

If you’re not a Crescent Wealth member, you can join in under five minutes and we will help you find your lost super. This service is free of charge and only requires your Tax File Number (TFN). Join online or call our Concierge Team on 1300 926 626.

Alternatively, log in to or create a myGov account to find your lost super.
Why should I consolidate or rollover my super?
Multiple super accounts mean multiple insurance premiums and administration fees every year, reducing the amount of money you’ll have in retirement. By consolidating your super in to one account, you will save money and keep things simple.
Can I make additional contributions to my super?
Yes, you can. There are several ways you can make additional contributions to your super, including voluntary contributions, salary sacrifice and spouse contributions. Learn more about making additional contributions.
How do I make or receive spouse contributions?

There are two ways you can make or receive contributions on behalf of your spouse:

  • Spouse contributions
    If your spouse earns a low or no income, you may be able to claim a tax offset if you contribute to their super fund by making a spouse contribution. See the ATO website for details.
  • Contribution splitting
    You may be able to split your employer's super contributions with your spouse. Please refer to the contributions splitting on the ATO website for more information.

If you have questions, we’re happy to answer them. Call us on 1300 926 626

Are there limits to how much I can contribute?
Limits may apply and are subject to change depending on government legislation. To find out the current contribution caps, please refer to the ATO website.
Can I rollover funds from my self-managed super fund (SMSF) into Crescent Wealth?

Yes, you can. Please call us on 1300 926 626 and we’ll be happy to assist you. 

Back to top


Investment, returns & tax

What are the different investment options for my super?

Crescent Wealth offers four Islamically-compliant investment options. Each provides the opportunity to invest in a variety of global and domestic markets, asset classes and investments; and each has a different investment return objective, time frame, risk, and timing strategy.

Choosing the right option brings you a step closer to ensuring your super is invested according to your Islamic values.

Learn more about our four investment options. 

Can I switch investment options?
Yes, you can. Contact us on 1300 926 626 and we can assist you. Alternatively, you can login to the Member Portal to switch your investment options.
Are there fees or charges to switch my investment?
No you can switch your investment option.
When is my super taxed?

Tax rules frequently change and can be complex. If you have specific questions, you should talk to your tax advisor or the ATO. 


  • You pay 15% contributions tax on before-tax super contributions.
  • After-tax super contributions are not taxed as you have already paid tax on them. 
  • Earnings in the funds are taxed at 15%.
  • If you exceed the contribution limits set by the government, then you may need to pay more tax on your contributions. 
  • You may be taxed by the government on your super withdrawal, depending on your age when you make the withdrawal and the amount withdrawn.
Back to top


Life events & your super

What happens when I retire or reach my preservation age?

Once you retire or reach your preservation age you can:

  • Continue to hold your money in super, paying 15% tax on earnings and making withdrawals when it suits you^
  • Withdraw some or all your money as a lump sum^
  • Use some or all of this money to start a pension account that pays you a regular income.
^You may be taxed on your super withdrawal, depending on your age when you make the withdrawal.
What happens to my super if I die?

If you die before being eligible to receive your super, the Trustee of the Crescent Wealth Super Fund must determine who to pay your super balance and any insurance benefits (if applicable) to, having regard to superannuation laws.

If you don’t nominate any beneficiaries or make a preferred nomination (also known as a non-binding nomination), the Trustee will exercise discretion and pay your death benefit to eligible beneficiaries – which could be your legal personal representative and/or any one or more of your dependents.

Can I nominate a beneficiary?

You can set up or change a preferred nomination (non-binding nomination) by logging onto your Member Portal at any time here, or by calling us on 1300 926 626.

You can set up or change your binding nomination by completing a valid, binding death benefit nomination form. Once completed, it must be posted to us.

(Note: You’ll need to submit a new binding nomination form every three years if you wish to maintain your nomination. If you don’t renew, the nomination automatically becomes preferred.)

If I’m struggling financially, can I access my super early?

You may be granted limited early access to your super in special circumstances (e.g. severe financial hardship, terminal illness, temporary or permanent incapacity etc.). For more information, call us or visit the ATO website.

Download the Early Release Financial Hardship Payment Instructions Form.

How can I navigate the complexity of splitting up my super following a relationship breakdown?

Separation and divorce can be difficult and it’s important to understand the impact it can have on your retirement savings and finances. Guidance is given on the Family Court website.

Back to top

Crescent Wealth Super Annual Performance Test Failure