Sunsuper has added the overlay even though it recently cut the administration fees on its pension products to 0.25 per cent for the first $300,000, 0.15 per cent for the next $400,000 and to zero for accounts exceeding $700,000. Members who choose the Today and Tomorrow pension automatically have an amount of cash, equal to twice the annual pension payment they’ve selected, set into their account. This buffer was viewed as suitable by the fund and its internal financial planning unit, the member advice centre, because it would prevent members from drawing on growth capital during the rough periods of a bear market.