Member Product Disclosure Statement

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Member Product Disclosure Statement"

Transcription

1 Member Product Disclosure Statement Dated: 1 December 2012 CONTENTS About MTAA Super...2 How super works...2 Benefits of investing with MTAA Super...3 Risks of super...3 How we invest your money...4 Fees and costs...5 How super is taxed...6 Insurance in your super...6 How to open an account...8 Membership Application Form...(attached) This Product Disclosure Statement (PDS) is prepared in accordance with Subdivision 4.2B of Division 4 of Part 7.9 of the Corporations Regulations This PDS is a summary of significant information you need to make a decision about MTAA Super. It includes references to other important information that is taken to form part of this PDS. These references are marked in yellow, like this: You should consider this other important information before making a decision. If you would like a copy of this PDS or any of the other important information that forms part of this PDS, please contact us on The information provided in this PDS is general only and does not take into account your personal financial situation or needs. You should therefore consider obtaining financial advice that is tailored to your personal circumstances from a licensed financial adviser. Issued by Motor Trades Association of Australia Superannuation Fund Pty Ltd (ABN , AFSL ) of Level 3, 39 Brisbane Avenue Barton ACT 2600, the Trustee of the MTAA Superannuation Fund (ABN ).

2 01 / About MTAA Super Established in 1989, MTAA Super has evolved to be one of Australia s largest superannuation funds, managing more than $5.9 billion in funds under management as at 30 June Anyone can join MTAA Super Whatever your job, in whatever industry whether you are an employee, a self-employed person or a contractor, whether you are setting up an account for your partner, or simply want to make voluntary contributions anyone can join MTAA Super. If you are receiving employer contributions, you need to ask your employer whether you are eligible to nominate a super fund of your choice. The super fund to which employer contributions are directed might be nominated in an industrial agreement or award. An industry super fund As an industry super fund, MTAA Super has low fees, pays no commissions to financial advisers, and is run only to benefit members. 02 / How super works You should read the important information about contribution types, eligibility and limits; conditions of release for withdrawing your super benefit and how to claim your benefit (including nominating beneficiaries for your death benefit) before making a decision. Go to This information about how super works may change between the time when you read this PDS and the day when you acquire the product. Superannuation (or super) is a way to save for your retirement, which is, in part, compulsory. If you are an employee earning more than $450 a month in most cases, the government requires your employer to make at least quarterly Superannuation Guarantee (SG) contributions for you. Contributing to super Apart from your SG contributions, there are a range of additional ways you can contribute to your super for example, salary-sacrifice employer contributions, voluntary after-tax contributions and super co-contributions. You can make voluntary contributions by: asking your employer to deduct extra money from your before-tax salary and contributing it to your super account (called salary sacrifice) or making regular or lump-sum contributions from your after-tax salary. If you make after-tax personal contributions you may also be eligible for a super co-contribution. Refer to the MTAA Super website, memberpds/howsuperworks, or visit the Australian Taxation Office (ATO) website, for more information. Superannuation savings are generally taxed by the government at concessional rates, but there are limits on the amount of contributions that can be made each year without incurring extra tax. After age 65, you need to satisfy a work test in order to be eligible to make voluntary contributions. If you have super in another fund, you can consolidate your super by transferring your other super into your MTAA Super account (called a rollover ). Before closing your other superannuation account, you should consider whether any exit fees apply and whether you may lose other valuable benefits such as extra employer contributions or insurance. Investing your super MTAA Super has seven investment options to choose from and your super contributions will be invested in the option (or options) you choose. If you don t make a choice, your super contributions will be invested in the Balanced Option. Investing in a super fund like MTAA Super means your super will increase when investment earnings are positive, but may decrease if investment earnings are negative. See How we invest your money on page 4 for further details. 2

3 Withdrawing your super Super is a long-term investment. This means that you usually can t gain access to your super until you are aged between 55 and 60 (depending on your date of birth) and meet a condition of release, as set by the government. There are some conditions of release that allow you to withdraw some or all of your super earlier. You can usually transfer your super to another fund at any time. Choosing your super fund Most employees have the right to choose the super fund where they would like their employer to direct their SG contributions, although in some cases an industrial award or agreement may require that SG contributions be paid into a particular fund. If you have a choice but don t exercise it, your SG contributions will be paid into the fund nominated by your employer. For more information about choice of fund, visit the ATO website, 03 / Benefits of investing with MTAA Super MTAA Super exists only for the benefit of members. We offer you low-cost services and products to help you achieve your retirement goals. Some of the benefits include: Low fees and charges Investment choice Affordable insurance cover Easy access to information, including online account access Retirement products 04 / Risks of super You should read the important information about risk before making a decision. Go to The information about understanding investment risk may change between the time when you read this PDS and the day when you acquire the product. All investments have some level of risk. To make an informed choice about your super, you need to understand the risks associated with investing. MTAA Super invests across all major asset classes. The main asset classes are shares, property, fixed interest and cash. Within these main asset classes are Australian and international shares, unlisted shares and private equity, Australian and international fixed interest, and direct or indirect property investments, including infrastructure. Asset classes have different levels of risk and return. For example, asset classes with potentially the highest level of investment returns over the long term will usually also have the highest risk of loss over the short term. Each investment option offered by MTAA Super carries a different level of risk, depending on the strategic allocations to the various asset classes within each option. Significant risks There are a number of risks associated with investing in superannuation. Superannuation and taxation laws can change, and investment options are constantly subject to changes in value. Particular asset classes tend to perform differently at different times, so diversification across different asset classes may help to manage risk. When considering your investment in MTAA Super it is important to understand the following: The value of investment options will go up and down. Your superannuation savings (including contributions and returns) may not be enough to adequately provide for your retirement. Investment returns are not guaranteed, and you may lose some of your money. The level of returns may vary, and future returns may differ from past returns. The appropriate level of risk for each person depends on a range of factors, including age, the investment time frame, where other non-superannuation assets are invested, and risk tolerance. 3

4 05 / How we invest your money You should read the important information about our investment options and how to switch between them before making a decision. Go to The information about investment options may change between the time when you read this PDS and the day when you acquire the product. MTAA Super members can choose from a mix of investments in different asset classes. There are seven investment options: Pre-mixed options Balanced Conservative Growth My choice options Australian Shares International Shares Diversified Fixed Interest Cash You can allocate your super savings across a mix of some or all options, or just one option. When you make your choice, you can then decide whether this choice applies to one or both of your existing account balance or future contributions (including rollovers). Warning: When it comes to choosing the investment options for your superannuation savings, you should consider these questions: How much risk do I feel comfortable with? What level of return do I want? What is the time horizon I am investing towards? The answers to these questions will help guide you in choosing the investment option or mix of options for your superannuation savings. If you do not make a choice your super will automatically be invested in the default option, the Balanced Option, which is summarised below: INVESTMENT DETAILS FOR THE BALANCED OPTION Balanced Option Objective The Balanced Option seeks high long-term returns through a balanced exposure to risk. It is intended to be suitable for members who are willing to take on aboveaverage risk. Investment return objective To out-perform (after tax and fees) the Consumer Price Index (CPI) by 4% a year over rolling five-year periods. Mix of asset classes Strategic asset allocation % Range % Market Linked Portfolio Cash Domestic Fixed Interest Overseas Fixed Interest Australian Equities International Equities Target Return Portfolio Infrastructure Property High Yield Debt Private Equity Other Minimum suggested time frame 5 years Standard Risk Measure* Risk Band: 6 Risk Label: High Summary risk level Estimated number of negative annual returns over any 20 year period: 5 years out of every 20 years. +Investments in this strategy may include natural resources and other alternative investments deemed appropriate. 4 * The Standard Risk Measure is based on industry guidance to allow members to compare investment options that are expected to deliver a similar number of negative annual returns over any 20 year period. The Standard Risk Measure is not a complete assessment of all forms of investment risk, for instance it does not detail what the size of a negative return could be or the potential for a positive return to be less than a member may require to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return. Members should still ensure they are comfortable with the risks and potential losses associated with their chosen investment option/s.

5 MTAA Super can change the types of investment and allocations for an investment option, add an investment option or remove an investment option at any stage. We will tell you if this happens. Changing your investment option You can change your investment option by completing a Member Investment Choice form in the Investment Options Guide available at Illiquid assets and portability The Target Return Portfolio contains illiquid assets and is contained in all the Pre-Mixed Options, including the Balanced Option. MTAA Super is, however, generally able to satisfy withdrawal requests from cash reserves. 06 / Fees and costs Consumer Advisory Warning Did you know? Small differences in fund performance and fees and costs can have a substantial impact on your long-term returns. For example, total annual fees and costs of 2 per cent of your fund balance, rather than 1 per cent, could reduce your final return by up to 20 per cent over 30 years (reduce it from say, $100,000 to $80,000). You should consider whether features such as superior investment performance or the provision of better member services justify higher fees and costs. You might be able to negotiate to pay lower contribution fees and management fees where applicable. Ask the fund or your financial adviser.* * Note that fees payable in respect of MTAA Super are not negotiable. To find out more If you would like to find out more or see the impact of fees based on individual circumstances, the Australian Securities and Investments Commission website, has a superannuation fee calculator to help you check out different fee options. Fees and other costs You should read the important information about the fees and costs of each investment option before making a decision. Go to The information about fees and costs may change between the time when you read this PDS and the day when you acquire the product. The following table shows the main fees and other costs you may be charged for investing in the Balanced Option and can be used to compare costs between different superannuation products. These fees and costs may be deducted from your super account or from the returns on your investment. FEES AND OTHER COSTS Type of fee or cost Amount Fees when your money moves in or out of the fund Establishment fee Nil Contribution fee Nil Withdrawal fee $30 Termination fee Nil Management Costs Estimated investment management costs $ a year ($1.95 a week) +0.68% p.a. ($68 per $10,000) The fees for our other investment options are different. Investment management fees are calculated looking back as at 30 June each year. These may change from year to year. For details of other service fees, go to 5

6 Changes to MTAA Super s fees and costs MTAA Super reserves the right to change the fees it charges at any time. If we do increase our fees we will ensure you are notified in writing at least 30 days before the increase takes effect. Example of annual fees and costs for the Balanced Option The following table shows how the fees and costs in the MTAA Super Balanced Option can affect your superannuation investment over one year. You should use this example to compare this product with other superannuation products. Example Balanced Option Balance of $50,000 with total contributions of $5,000 during year Contribution fees Nil For every $5,000 you put in, you will be charged $0. PLUS Management costs EQUALS Cost of Fund 0.68% + $ ($1.95 a week) For every $50,000 you have in the Fund you will be charged $ a year plus $ in administration fees, regardless of your balance. If you put $5,000 in during a year and your balance was $50,000, for that year you will be charged estimated fees of $ What it costs will depend on the investment options you choose and the fees you negotiate with your fund or financial adviser. 2 1 Additional fees might apply: a withdrawal fee of $30 might be payable on each transfer from the Fund, including partial transfers. 2 MTAA Super s fees are not negotiable. If you would like to calculate the effect of fees and costs on your account balance, the Australian Securities and Investments Commission (ASIC) website, has a superannuation fee calculator. 07 / How super is taxed You should read the important information about taxation before making your decision. Go to The information about how super is taxed may change between the time when you read this PDS and the day when you acquire the product. Super savings are taxed by the government. In summary, the taxation rules are as follows: From 1 July 2012, contributions that are made before tax (called concessional contributions ) are subject to tax at an effective rate of either 15 per cent or 30 per cent (depending on the person s adjusted taxable income) when received by the Fund.* Contributions that are made after tax (called non-concessional contributions ) are not taxed when received by the Fund. Investment earnings are taxed at up to 15 per cent. Withdrawals from your account are not taxed if you are aged 60 or more, but tax may need to be deducted if you are under age 60. Warning: If you exceed the contribution limits, you will pay extra tax. We pay the tax applicable to your super contributions and investments by deducting it from your account, from investment returns or from your benefit (as applicable) and paying it to the ATO. Warning: You should provide your tax file number (TFN) as part of becoming a member of the Fund. We are authorised by law to request your tax file number (TFN), which we will use only for permitted purposes. If you do not tell us your TFN, your contributions and withdrawals may be taxed at a higher rate and we may not be able to accept some types of contributions. Also, if you do not provide your TFN it may be more difficult to locate all of your super, and the government will not be able to pay any co-contributions to the Fund for you. 08 / Insurance in your super 6 MTAA Super offers a range of insurance options to protect you and your family from financial hardship if you are unable to work for a long period due to sickness or injury, become permanently disabled or die. MTAA Super members can apply for up to: $5,000,000 of death cover (a lump-sum paid in the event of your death). $3,000,000 of total and permanent disability (TPD) cover (a lump-sum paid if you become permanently injured or disabled, and unable to work). $25,000 of monthly income protection (a benefit, usually monthly in arrears, if you are unable to work because of illness or injury). * While the Government announced an increase in contributions tax from 15 to 30 percent for high income earners as at the date of this publication this change is not yet law and it is not yet clear how the additional tax will be collected.

7 You should read the important information about MTAA Super s insurance options, eligibility, insurance costs, conditions and exclusions in the Insurance Guide before making a decision about your insurance cover. Go to The information about insurance may change between the time when you read this PDS and the day when you acquire the product. Default cover New MTAA Super members are automatically provided with default cover (subject to terms and conditions please refer to the Insurance Guide). The level of cover provided to you is based on your age when you become a member. The table below sets out the cost and the number of units of cover that are provided for your age when you join: COVER WHEN YOU JOIN MTAA SUPER Your age next birthday when you join MTAA Super Death Units General Scale TPD Units General Scale Cost of Cover ($0.50 per unit) $3.00 per week $4.00 per week $6.00 per week Matching cover If the default cover doesn t meet your needs and you have insurance elsewhere, MTAA Super may match this cover within the insurance design available. Changing your cover You can apply to increase, decrease or cancel your cover at any time. There are certain circumstances when you may apply to increase your Death or TPD cover (up to a specific amount) without having to provide evidence of health. One of these is when you first join. To find out more about these offers, please refer to the Insurance Guide. You can also reduce or cancel your insurance cover at any time or elect to hold death-only cover at any time by writing to MTAA Super. Our address is Locked Bag 15, Haymarket NSW Selecting the right cover for you You can choose to have your death or TPD cover as either unitised or fixed cover, although there are conditions you might have to satisfy. You cannot have a combination of unitised and fixed cover for death and TPD. There are different types of work scales depending on the type of work you do. We classify them as General; Non-manual and Professional. The amount of cover you are elgible to receive will be different depending on the work scale you fit into. It s important you let the Fund know if you are eligible for non-manual or professional cover. Refer to the Work scale form in the Insurance Guide for more information. IMPORTANT NOTE WHERE YOU ARE REQUIRED TO PROVIDE THE TRUSTEE OR THE INSURER WITH INFORMATION REGARDING YOUR INSURANCE, YOU HAVE A DUTY TO DISCLOSE EVERY MATTER THAT YOU KNOW, OR COULD REASONABLY BE EXPECTED TO KNOW, IS RELEVANT TO THE INSURER S DECISION WHETHER TO ACCEPT THE RISK OF INSURANCE AND, IF SO, ON WHAT TERMS. OTHERWISE THE INSURER MAY BE ABLE TO DECLINE A CLAIM. THE TRUSTEE IS ALSO ABLE TO ADJUST INSURED BENEFITS FOR ERRORS. IF YOU DO NOT CANCEL YOUR COVER, THE COST OF INSURANCE (PREMIUMS) IS DEDUCTED FROM YOUR ACCOUNT EACH MONTH. REFER TO THE INSURANCE GUIDE FOR FULL DETAILS OF THE PREMIUMS. Warning: The insurance cover provided by the Fund is subject to eligibility conditions and exclusions. These may affect your entitlement to insurance cover or the circumstances when an insured benefit may be payable under the policy. You should read the important information at 7

8 09 / How to open an account 1. Read this PDS and the important additional information on the MTAA Super website, 2. Complete the Membership application form attached after the end of this PDS. 3. Determine the level of default insurance cover you are eligible for and decide whether you need additional insurance 4. Choose the investment option you would like your super to be invested in. 5. If you have money in other super funds, you can roll it over into MTAA Super by completing the Rollover form. If, for any reason, the Fund is unable to accept you as a member, any contributions which may have been made on your behalf will be returned without interest. Any interest earned on the bank account in which unallocated contributions are held is retained by the Trustee for the benefit of members of the Fund. Please also refer to the factsheet Other information about your membership of MTAA Super at or contact MTAA Super on for a copy of this document. The cooling-off period You have a 14-day period to cancel your membership if you joined independently of your employer enrolling you in the Fund. The period starts either from the date MTAA Super confirms to you that your application has been accepted or five days after the application has been accepted, whichever occurs first. If your investment is subject to a preservation restriction, you must nominate another fund into which your investment may be transferred. The amount transferred might be adjusted to take into account any variation in the value of the investment, any fees payable, and any tax payable by MTAA Super as a result of your period of Fund membership. A request to cancel your membership must be in writing. You cannot exercise your cooling-off right once you have exercised any of your other rights as a member. What do I do if I have a complaint? MTAA Super is committed to providing exceptional service to its members, and any complaints are dealt with as soon as practicable. If you want to make a complaint please contact: MTAA Super Complaints Resolution Officer Locked Bag 15 Haymarket NSW 1236 PH: MTAA Super respects your privacy Protecting your personal information has always been important to us and is now required by law. The Commonwealth Privacy Act means we now handle your personal information in accordance with a set of guidelines, known as the National Privacy Principles. MTAA Super only collects information that is necessary to administer your fund membership. By this, we mean managing your account and keeping you up to date with opportunities and value-adding services and benefits available to you as an MTAA Super member. MTAA Super has appointed a Fund Administrator, Insurers and other specialist organisations to provide professional services to MTAA Super on your behalf. They are authorised, under the strictest confidence, to only use your personal information to administer your fund membership. Your personal information may also be used to identify if you have any lost super entitlements that could be transferred to your MTAA Super account. The Australian Taxation Office (ATO) may be provided with your details in order to find any lost super. You may, however, notify us if you do not wish to have your personal information released to the ATO for this purpose. As a member of MTAA Super, you may ask to see the information we hold about you and to have it corrected if required. To find out more about the personal information we hold and how it is handled, please call or view our privacy statement online at 8

9 MEMBERSHIP APPLICATION FORM Please complete this application form using capital letters. Section A Your personal details MTAA Super member number (if known) Title Miss Ms Mrs Mr Other (please specify) Given name(s) Family name Date of birth / / Street address Suburb State/Territory Postcode Telephone (home) Telephone (work) Telephone (mobile) Occupation Section B Your tax file number I have read the document How Super is Taxed at and understand that I do not have to supply my TFN, but there may be consequences, such as paying increased tax. I further understand that the Fund will use my TFN only for the permitted purposes, as stated in the TFN section. I hereby elect to advise my tax file number is: Section C Find your lost super You can authorise for MTAA Super to use your Tax File Number (TFN) (if provided) to search and act on your behalf to consolidate your super by signing the following declaration. MTAA Super will only use your TFN in accordance with your consent. I hereby consent for MTAA Super to act on my behalf and use my Tax File Number (TFN) to seek superannuation information and consolidate my superannuation accounts by using the ATO facility to obtain information about any other superannuation accounts opened in my name and contacting the superannuation entities or RSA providers holding any such accounts. Member signature Date / / Section D Your membership category and employment details Please indicate with a tick the type of membership you are seeking in MTAA Super. Tick only one category of membership. EMPLOYER SUPPORTED I wish to join MTAA Super as an employer-supported member and will be receiving employer contributions. PERSONAL MEMBER I wish to join MTAA Super as a personal member and will only be making contribution payments of my own; that is, I will not be receiving contributions from an employer. Section E Your employment details Your employer s trading name Employer number (if known) Employer address Suburb State/Territory Postcode Employer telephone Date commenced with employer / / 1a

10 Section F Keeping up to date Please keep me up to date with extra products and services offered to MTAA Super members by related or other companies. Note that if you do not complete this section MTAA Super will assume you agree. Yes No Section G Your preferred beneficiaries Your death benefit may only be paid to one or more of your dependant(s) or to your estate. If following your death, the Trustee is unable to find a dependant or a legal personal representative (for example a person appointed as executor of your estate) your death benefit may be paid to one or more other people. The term dependant is defined in the document How Super Works at howsuperworks and includes your spouse (legal and de facto), your children, a person in an interdependent relationship with you and a person who is financially dependent on you. You may nominate below one or more of your dependants or your legal personal representative as your preferred death benefit beneficiaries. Please note, however, that this nomination will not be binding on the Trustee. The Trustee is responsible for deciding to whom a death benefit is paid and is required to make payments in accordance with superannuation legislation and the Fund s Trust Deed. While the Trustee will take into account your nomination, it is obliged to take into consideration the circumstances of all potential beneficiaries and is not bound by your stated preference. MTAA Super offers members the ability to make a binding death benefit nomination in order to provide greater certainty about who receives a member s benefit. Further information is available in the Binding death benefit nomination form which can be found in the document How Super Works at Name(s) of nominated beneficiaries Relationship* % share (First name/family name) (total must add up to 100%) *Please insert either spouse, child, financial dependant or interdependant... Section H Acknowledgement and signature This form must be signed and dated. I hereby: n apply to the Trustee for admission as a member of MTAA Super under the terms and conditions in the Trust Deed by which the Fund was established n acknowledge having received and read and understood the MTAA Super Member Product Disclosure Statement and acknowledge that the Trust Deed prevails if there is an inconsistency with the Member Product Disclosure Statement. n acknowledge that the Trustee cannot provide me with advice about my benefits, investments, insurance and any taxation implications that takes into account my personal circumstances and that I should speak to an appropriately qualified adviser if I require such advice n acknowledge that the Trustee may be required under taxation and superannuation legislation to deduct additional tax from my benefits and refuse or refund contributions made by or on my behalf and, in doing so, may make any adjustments to my account it considers necessary or appropriate n acknowledge that the Trustee does not guarantee my investment in MTAA Super n acknowledge having read and understood the privacy statements in the Member Product Disclosure Statement and consent to my personal information being collected and used in accordance with these n declare that I have read and carefully considered all questions and that the answers I have provided are true and correct Member signature Date / / For office use only File code: Member No: Signature of parent/guardian (if member is under 18 years of age) Insurance: Date / / Return the completed, signed and dated application form to MTAA Super, Locked Bag 15, Haymarket NSW This application is part of the MTAA Super Product Disclosure Statement issued 1 December b

11 This page is intentionally left blank.

12 An Industry SuperFund Telephone Fax Web Postal Address Locked Bag 15, Haymarket NSW 1236 State offices Sydney Level 5, 477 Pitt Street, Sydney NSW 2000 Melbourne Level 2, Casselden Place, 2 Lonsdale Street, Melbourne VIC 3000 Canberra Level 2, 11 London Circuit, Canberra ACT 2600 Perth Level 2, 12 St Georges Terrace, Perth WA 6000 Adelaide Level 2, 104 Frome Street, Adelaide SA 5000 Brisbane Level 10, 120 Edward Street, Brisbane QLD 4000 Hobart Ground Floor, 119 Macquarie Street, Hobart TAS 7000 Trustee: Motor Trades Association of Australia Superannuation Fund Pty Ltd ABN AFSL MTAA Superannuation Fund ABN SPIN MTA0100AU /12

How super works Date of issue: 1 July 2013

How super works Date of issue: 1 July 2013 www.mtaasuper.com.au Phone: 1300 362 415 / Fax: 1300 365 142 An Industry SuperFund How super works Date of issue: 1 July 2013 The information in this document forms part of the Product Disclosure Statement

More information

Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information

Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information Australia Group Superannuation Fund Your Super Guide Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category Contents 1 About Nestlé Super p2 2 How super works p2 3 Benefits

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement MYSUPER AUTHORISATION NUMBER 72229227691044 1 July 2014 NESS Super, the industry fund to power your financial future inside 1 About NESS Super 2 2 How super works 2 3 Benefits

More information

KPMG Staff Superannuation Plan Product Disclosure Statement

KPMG Staff Superannuation Plan Product Disclosure Statement KPMG Staff Superannuation Plan Product Disclosure Statement Prepared: 27 June 2014 Things you should know: This Product Disclosure Statement ( PDS ) is a summary of significant information and contains

More information

2015 Product Disclosure Statement

2015 Product Disclosure Statement 2015 Product Disclosure Statement Personal Division Issued 1 November 2015 Contents 1. About NSF Super 2. How super works 3. Benefits of investing with NSF Super 4. Risks of super 5. How we invest your

More information

HOSTPLUS Superannuation Fund and HOSTPLUS Personal Super Plan Member Guide. Everything you need to get the most from your super.

HOSTPLUS Superannuation Fund and HOSTPLUS Personal Super Plan Member Guide. Everything you need to get the most from your super. Everything you need to get the most from your super Product Disclosure Statement 31 October 2011 Issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL No. 244392 as trustee for the HOSTPLUS Superannuation

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement Prepared and issued 15 June 2015 CONTENTS 1. About QIEC Super 2. How super works 3. Benefits of investing with QIEC Super 4. Risks of super 5. How we invest your money 6. Fees

More information

MEMBER GUIDE PRODUCT DISCLOSURE STATEMENT

MEMBER GUIDE PRODUCT DISCLOSURE STATEMENT MEMBER GUIDE PRODUCT DISCLOSURE STATEMENT Date of issue: 13 August 2015 2 SUPER SA SELECT > PDS CONTENTS 1. About Super SA Select 3 2. How super works 4 3. Benefits of investing with Super SA Select 6

More information

Accumulation 1. Inside. Product Disclosure Statement issued 22 July 2013 by UniSuper Limited ABN 54 006 027 121

Accumulation 1. Inside. Product Disclosure Statement issued 22 July 2013 by UniSuper Limited ABN 54 006 027 121 Accumulation 1 Product Disclosure Statement issued 22 July 2013 by UniSuper Limited ABN 54 006 027 121 Inside 1. About UniSuper 2. How super works 3. Benefits of investing with UniSuper 4. Risks of super

More information

Product Disclosure Statement

Product Disclosure Statement AMP Retirement Savings Account Product Disclosure Statement Contents 1. About AMP Retirement Savings Account 2. How super works 3. Benefits of investing with AMP Retirement Savings Account 4. Risks of

More information

Member Booklet: RBF Tasmanian. Accumulation Scheme. Table of contents. About the RBF Tasmanian 2. Accumulation Scheme

Member Booklet: RBF Tasmanian. Accumulation Scheme. Table of contents. About the RBF Tasmanian 2. Accumulation Scheme Member Booklet: RBF Tasmanian Accumulation Scheme Information in this booklet is current as at 1 July 2015 Table of contents About the RBF Tasmanian 2 Accumulation Scheme How super works Benefits of investing

More information

How super is taxed. About this document. Tax on concessional contributions. Concessional contribution tax rates from 1 July 2015:

How super is taxed. About this document. Tax on concessional contributions. Concessional contribution tax rates from 1 July 2015: How super is taxed Date of issue: 1 July 2015 mtaasuper.com.audate Phone: 1300December 362 415 2014 Fax: 1300 365 142 of issue: The information in this document forms part of the Product Disclosure Statement

More information

Telstra Super Personal Plus Application Please complete this application form to open a Telstra Super Personal Plus account.

Telstra Super Personal Plus Application Please complete this application form to open a Telstra Super Personal Plus account. Telstra Super Personal Plus Application Please complete this application form to open a Telstra Super Personal Plus account. RED SECTIONS FOR YOUR INFORMATION GREY SECTIONS TO FILL OUT INVESTMENT CHOICE

More information

Product Disclosure Statement

Product Disclosure Statement AMP Retirement Savings Account Product Disclosure Statement Contents 1. About AMP Retirement Savings Account 2. How super works 3. Benefits of investing with AMP Retirement Savings Account 4. Risks of

More information

Telstra Super Personal Plus

Telstra Super Personal Plus 01/ 17 NOVEMBER 2015 PRODUCT DISCLOSURE STATEMENT Telstra Super Personal Plus Making the most of your future Contents 01 About Telstra Super and Telstra Super Personal Plus 02 02 How super works 02 03

More information

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014 Contents BT Super for Life Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with BT Super for Life 3 4. Risks of super 5 5.

More information

Your Guide. to the Meridian. Personal. Super Plan. Product Disclosure Statement. Issued 1 January 2004 MPS 4

Your Guide. to the Meridian. Personal. Super Plan. Product Disclosure Statement. Issued 1 January 2004 MPS 4 Your Guide to the Meridian Product Disclosure Statement Issued 1 January 2004 Personal Super Plan MPS 4 What this Guide is about MPSuper Product Disclosure Statement This Guide was prepared and issued

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement Employer Sponsored Division AMIST Super Hotline 1800 808 614 www.amist.com.au service@amist.com.au Issued: 20 April 2015 Contents 1. About AMIST Super Employer Sponsored Division

More information

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3.

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Contents BT Lifetime Personal Super Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Benefits of investing with BT Lifetime Personal Super

More information

Statewide. www.statewide.com.au/join

Statewide. www.statewide.com.au/join Statewide Incorporating MySuper and choice investments product disclosure statement Employer-sponsored and personal superannuation members. This document was prepared on 3 August 2015. www.statewide.com.au/join

More information

Personal Plan. Product Disclosure Statement. www.australiansuper.com/join

Personal Plan. Product Disclosure Statement. www.australiansuper.com/join Personal Plan Product Disclosure Statement www.australiansuper.com/join 1. About AustralianSuper 2. How super works 3. Benefits of investing with AustralianSuper 4. Risks of super 5. How we invest your

More information

ASC Superannuation Plan

ASC Superannuation Plan ASC Superannuation Plan sub-plan of The Executive Superannuation Fund Product Disclosure Statement 28 June 2013 Things you should know: This Product Disclosure Statement ( PDS ) is a summary of significant

More information

Reliance Super. Product Disclosure Statement. 1 July 2015. Contents. a membership category of Maritime Super. Contact Member Services

Reliance Super. Product Disclosure Statement. 1 July 2015. Contents. a membership category of Maritime Super. Contact Member Services Product Disclosure Statement 1 July 2015 Contents 1. About Maritime Super s Reliance Super 2 Reliance Super a membership category of Maritime Super 2. How super works 2 3. Benefits of investing with Reliance

More information

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated: 1 July 2015

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated: 1 July 2015 Contents BT Super for Life Product Disclosure Statement (PDS) Dated: 1 July 2015 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with 3 BT Super for Life 4. Risks of super 5

More information

Product. Disclosure Statement. 2. How superannuation works. 1. About Russell SuperSolution CONTENTS. Russell SuperSolution General Division

Product. Disclosure Statement. 2. How superannuation works. 1. About Russell SuperSolution CONTENTS. Russell SuperSolution General Division Your Product Disclosure Statement Russell SuperSolution General Division 1 July 2015 CONTENTS 1. About Russell SuperSolution...1 2. How superannuation works...1 3. Benefits of investing in Russell SuperSolution...2

More information

Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015

Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015 Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015 This update to the Plum Superannuation Fund Product Disclosure Statement is provided as a result

More information

AMP Eligible Rollover Fund Product Disclosure Statement

AMP Eligible Rollover Fund Product Disclosure Statement AMP Eligible Rollover Fund Product Disclosure Statement Issued 30 June 2014 Contents 1. About AMP Eligible Rollover Fund 2. How super works 3. Benefits of investing with AMP Eligible Rollover Fund 4. Risks

More information

ENTERPRISE SUPER MEMBERS GUIDE. EMPLOYER SPONSORED SUPERANNUATION & PERSONAL SUPERANNUATION Issue Date: 22 June 2012

ENTERPRISE SUPER MEMBERS GUIDE. EMPLOYER SPONSORED SUPERANNUATION & PERSONAL SUPERANNUATION Issue Date: 22 June 2012 ENTERPRISE SUPER EMPLOYER SPONSORED SUPERANNUATION & PERSONAL SUPERANNUATION Issue Date: 22 June 2012 Enterprise Super is a division of General Retirement Plan, ABN 32 894 907 884 PO Box 1282, Albury NSW

More information

Personal Choice Private ewrap Super/Pension

Personal Choice Private ewrap Super/Pension Personal Choice Private ewrap Super/Pension Product Disclosure Statement PART 1 General Information I 1 July 2014 PERSONAL CHOICE PRIVATE Trustee of Personal Choice Private ewrap Super/Pension and issuer

More information

Superannuation Product Disclosure Statement effective 1 January 2016

Superannuation Product Disclosure Statement effective 1 January 2016 Superannuation Pensions Insurance Financial Advice Superannuation Product Disclosure Statement effective 1 January 2016 Contents About us 2 How super works 3 Benefits of investing with us 3 Risks of super

More information

SUPER SA PRODUCT DISCLOSURE STATEMENT. Date of issue: 10 August 2015. m e m be r g u id e:

SUPER SA PRODUCT DISCLOSURE STATEMENT. Date of issue: 10 August 2015. m e m be r g u id e: SUPER SA PRODUCT DISCLOSURE STATEMENT Date of issue: 10 August 2015 m e m be r g u id e: S e l p i r T Triple S > PDS CONTENTS > 2 1. About Triple S 3 2. How super works 4 3. Benefits of investing with

More information

Concept ne. Great News. Concept ne. and Concept One Superannuation Plan will merge to form... the Industry Superannuation Fund

Concept ne. Great News. Concept ne. and Concept One Superannuation Plan will merge to form... the Industry Superannuation Fund Great News FOR EMPLOYERS! The Industry Superannuation Fund and Concept One Superannuation Plan will merge to form... Concept ne the Industry Superannuation Fund SIGNIFICANT EVENT NOTICE On 22 February

More information

Contents 1 About Cbus 2 2 How super works 2 3 Benefits of investing. Product Disclosure Statement: 1 November 2015

Contents 1 About Cbus 2 2 How super works 2 3 Benefits of investing. Product Disclosure Statement: 1 November 2015 Join Cbus Personal Super Product Disclosure Statement: 1 November 2015 Auth. No. 75 493 363 262 473 This Product Disclosure Statement (PDS) is a summary of significant information about Cbus and contains

More information

Product Disclosure Statement. Personal Division

Product Disclosure Statement. Personal Division Product Disclosure Statement Personal Division www.amist.com.au service@amist.com.au Issued: 18 June 2016 Contents 1. About AMIST Super Personal Division 1 2. How super works 1 3. Benefits of investing

More information

Sunsuper for life. A simple and easy solution for life! Low fees Strong performance MySuper approved. Product Disclosure Statement

Sunsuper for life. A simple and easy solution for life! Low fees Strong performance MySuper approved. Product Disclosure Statement Sunsuper for life Product Disclosure Statement Preparation date: 9 June 2015 Issue date: 1 July 2015 A simple and easy solution for life! Low fees Strong performance MySuper approved Contents Page 1 About

More information

ADVANCE RETIREMENT SAVINGS ACCOUNT Annual Report for year ended 30 June 2014. Issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724

ADVANCE RETIREMENT SAVINGS ACCOUNT Annual Report for year ended 30 June 2014. Issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 ADVANCE RETIREMENT SAVINGS ACCOUNT Annual Report for year ended 30 June 2014 Issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 CONTENTS Introduction... 1 Recent developments in superannuation...

More information

grow your super Seven ways to Some handy hints to help you grow your super investments December 2014 Now incorporating Find out how you can:

grow your super Seven ways to Some handy hints to help you grow your super investments December 2014 Now incorporating Find out how you can: Find out how you can: Make regular personal contributions a small amount can make all the difference. Salary sacrifice your contributions and reduce your tax at the same time. Seven ways to grow your super

More information

Challenger Guaranteed Allocated Pension

Challenger Guaranteed Allocated Pension Challenger Guaranteed Allocated Pension Product Disclosure Statement (PDS) Dated 1 January 2015 Challenger Retirement Fund Allocated Pension (SPIN CIT0101AU) (ABN 87 883 998 803) (RSE Registration Number

More information

The Executive Superannuation Fund

The Executive Superannuation Fund The Executive Superannuation Fund Agenda Overview of The Executive Superannuation Fund ( the Fund ) Contributions ti and insurance benefits available to KPMG staff Investment option asset allocation Investment

More information

Super taxes, caps, payments, thresholds and rebates

Super taxes, caps, payments, thresholds and rebates Fact Sheet Super taxes, caps, payments, thresholds and rebates This fact sheet provides a useful one-stop reference guide to the tax rates, caps, thresholds and rebates that apply or are related to superannuation

More information

Reliance Super. Taxation Supplement. 14 March 2014. a membership category of Maritime Super

Reliance Super. Taxation Supplement. 14 March 2014. a membership category of Maritime Super Taxation Supplement 14 March 2014 Contents Tax on contributions 2 Tax on rollovers 3 Tax on investment earnings 3 Tax on super benefits 3 Spouse tax offset 7 Tax deductions for the self-employed 7 Low

More information

Zurich Super Estate Management

Zurich Super Estate Management Zurich Super Estate Management Binding Nominations The Trustee of the Zurich Master Superannuation Fund is Zurich Australian Superannuation Pty Limited ABN 78 000 880 553, AFSL 253 500, RSE Licence No.

More information

Member Application Form

Member Application Form Member Application Form ABN 76 829 356 693 RSE R1004366 SFN 299 735 940 SPIN CFS0102AU Chifley Financial Services Limited (Trustee) ABN 75 053 704 706 AFSL 231148 RSEL L0001120 Instructions Member Services

More information

Member Details form. Member Application Form. Step 1 Your details. Complete this form to become a member of LUCRF Super.

Member Details form. Member Application Form. Step 1 Your details. Complete this form to become a member of LUCRF Super. Member Details form Member Application Form w Complete this form to become a member of LUCRF Super. Please complete all relevant sections using CAPITAL LETTERS and a BLACK or BLUE pen. Step 1 Your details

More information

Lump sum benefit payment request for your superannuation or account based pension

Lump sum benefit payment request for your superannuation or account based pension Lump sum benefit payment request for your superannuation or account based pension How to claim a benefit To claim a benefit you will need to complete the attached Benefit Payment Request and send it direct

More information

AustChoice Super general reference guide (ACH.02)

AustChoice Super general reference guide (ACH.02) AustChoice Super general reference guide (ACH.02) Issued: 28 May 2015 This guide contains important information not included in the AustChoice Super PDS. We recommend you read this entire guide. The information

More information

Super Product Disclosure Statement (PDS)

Super Product Disclosure Statement (PDS) Super Product Disclosure Statement (PDS) 1 July 2015 Contents 1. About us... 2 2. How super works... 3 3. Benefits of investing with Mine Wealth + Wellbeing Super... 4 4. Risks of super... 5 5. How we

More information

Hostplus Superannuation Fund and Hostplus Personal Super Plan. Member forms. 26 September 2015

Hostplus Superannuation Fund and Hostplus Personal Super Plan. Member forms. 26 September 2015 Hostplus Superannuation Fund and Hostplus Personal Super Plan. Member forms 26 September 2015 Which forms do I need? 1 Membership form. Use this form if you are joining Hostplus through your employer.

More information

MTAA Super employer application form

MTAA Super employer application form MTAA Super employer application form Please use capital letters. Section A Business details Company/business name ABN Trading name (Use full name, not abbreviations) Street address Suburb State/Territory

More information

Concept One Superannuation Plan and The Industry Superannuation Fund will merge to form. Concept ne

Concept One Superannuation Plan and The Industry Superannuation Fund will merge to form. Concept ne Prepared: 9 November 2012 SIGNIFICANT EVENT NOTICE On 22 February 2013 The Industry Superannuation Fund (TISF) will merge with the Concept One Superannuation Plan (Concept One) and this will result in

More information

Tax on contributions. Non-concessional (after tax) contribution caps. Age at 1 July 2015 Annual cap Tax rate Under 65 $180,000* Nil 65-74 $180,000 Nil

Tax on contributions. Non-concessional (after tax) contribution caps. Age at 1 July 2015 Annual cap Tax rate Under 65 $180,000* Nil 65-74 $180,000 Nil This section summarises the main Federal Government taxes that apply to superannuation at the time of preparation. For more information, contact MyLife MySuper on 1300 MYLIFE (695 433) or the Australian

More information

Your life your fund. Super for real estate professionals

Your life your fund. Super for real estate professionals Your life your fund Super for real estate professionals Product Disclosure Statement 1 July 2016 CONTENTS 1 About REI Super 2 How super works 3 Benefits of investing with REI Super 4 Risks of super 5 How

More information

your GuildSuper product disclosure statement

your GuildSuper product disclosure statement your GuildSuper product disclosure statement Issued 1 July 2014 Contents About GuildSuper 2 How super works 2 Benefits of investing with GuildSuper 3 Risks of super 3 How we invest your money 4 Fees and

More information

Energy Super Corporate Member Guide - Ergon Energy

Energy Super Corporate Member Guide - Ergon Energy Energy Super Corporate Member Guide - Ergon Energy Product Disclosure Statement - Defined Contribution members Prepared and issued 1 September 2013 CONTENTS 1. About Energy Super 2 2. How super works 2

More information

Understanding Superannuation

Understanding Superannuation Understanding Superannuation Client Fact Sheet July 2012 Superannuation is an investment vehicle designed to assist Australians save for retirement. The Federal Government encourages saving through superannuation

More information

How super is taxed. VicSuper FutureSaver Member Guide

How super is taxed. VicSuper FutureSaver Member Guide How super is taxed VicSuper FutureSaver Member Guide Date prepared 1 July 2015 The information in this document forms part of the VicSuper FutureSaver Product Disclosure Statement (PDS) dated 1 July 2015.

More information

Supplementary Product Disclosure Statement

Supplementary Product Disclosure Statement AMA Financial Services Medical & Associated Professions Superannuation Fund a sub-plan of IOOF Employer Super Employer and Personal Super Supplementary Product Disclosure Statement Dated: 1 June 2014 Issuer:

More information

Contributions are taxed differently depending on whether you are making contributions to a taxed or untaxed fund.

Contributions are taxed differently depending on whether you are making contributions to a taxed or untaxed fund. Tax and super Issue Date: 1 July 2015 SUP E R ANNUATION The information in this document forms part of the Product Information Booklets for GESB Super and West State Super, each dated 1 July 2015. You

More information

Investment Guide. About this document. Contents. This document explains: Date of issue: 5 October 2015. mtaasuper.com.audate.

Investment Guide. About this document. Contents. This document explains: Date of issue: 5 October 2015. mtaasuper.com.audate. Investment Guide Date of issue: 5 October 2015 mtaasuper.com.audate Phone: 1300December 362 415 2014 of issue: The information in this document forms part of the Product Disclosure Statement for MTAA Super

More information

Atwood Oceanics Australia Superannuation Plan sub-plan of The Executive Superannuation Fund

Atwood Oceanics Australia Superannuation Plan sub-plan of The Executive Superannuation Fund Atwood Oceanics Australia Superannuation Plan sub-plan of The Executive Superannuation Fund ACCUMULATION DIVISION INCORPORATED INFORMATION Prepared: 11 September 2012 The issuer and Trustee of the Atwood

More information

Supplementary Product Disclosure Statement

Supplementary Product Disclosure Statement The Portfolio Service Superannuation Plan The Portfolio Service 1 July 2014 Supplementary Product Disclosure Statement Issuer: Questor Financial Services Limited ABN 33 078 662 718 AFS Licence No. 240829

More information

2013 Benefit Statement Notes

2013 Benefit Statement Notes 2013 Benefit Statement Notes At 30 June 2013 Important information The Board of Trustees of the State Public Sector Superannuation Scheme (ABN 32 125 059 006) (QSuper Board) is required to provide you

More information

Guide to your Nestlé Super. Defined Benefit category IBR

Guide to your Nestlé Super. Defined Benefit category IBR Australia Group Superannuation Fund Guide to your Nestlé Super Defined Benefit category IBR The information in this document forms part of the Nestlé Super Product Disclosure Statement Defined Benefit

More information

Issued by T.I.S. Pty Ltd ABN 73 065 319 735 AFSL 247249

Issued by T.I.S. Pty Ltd ABN 73 065 319 735 AFSL 247249 The Transport Industry Superannuation Fund Insurance Guide Prepared and issued 1 July 2014 Issued by T.I.S. Pty Ltd ABN 73 065 319 735 AFSL 247249. This information in this guide forms part of the Product

More information

Super Saver Induction Booklet

Super Saver Induction Booklet VISION SUPER YOUR INDUSTRY SUPER FUND Super Saver Induction Booklet December 2013 99 Low fees and great value for money 99 Automatic Income Protection and Death & Disability cover 99 No commissions or

More information

Superannuation and Residency Fact Sheet - October 2014

Superannuation and Residency Fact Sheet - October 2014 Superannuation and Residency Fact Sheet - October 2014 A change in residence has significant implications for superannuation. A number of issues arise when an individual relocates overseas whether temporarily

More information

How super is taxed guide (AP.4)

How super is taxed guide (AP.4) How super is taxed guide (AP.4) Issued 1 January 2016 The information in this document forms part of the ESSSuper Accumulation Plan Product Disclosure Statement dated 1 January 2016. Contents Providing

More information

Personal Choice Private ewrap Super/Pension

Personal Choice Private ewrap Super/Pension Personal Choice Private ewrap Super/Pension Product Disclosure Statement (PDS) Part 2 Additional Information I 1 July 2014 PERSONAL CHOICE PRIVATE This Personal Choice Private ewrap Super/Pension PDS Part

More information

ewrap Super/Pension Additional Information Booklet

ewrap Super/Pension Additional Information Booklet ewrap Super/Pension Additional Information Booklet Issue date: 24 November 2014 This ewrap Super/Pension Additional Information Booklet (this Booklet) has been prepared by the trustee of ewrap Super/Pension:

More information

AMP Eligible Rollover Fund

AMP Eligible Rollover Fund AMP Eligible Rollover Fund Fact sheet Issued 30 June 2014 Issued by AMP Superannuation Limited ABN 31 008 414 104, AFSL No. 233060, the Trustee of AMP Eligible Rollover Fund ABN 32 931 224 407. Registered

More information

Notice of intent. Fact sheet and form. What this fact sheet covers. Who is this fact sheet for? When should I complete a notice of intent?

Notice of intent. Fact sheet and form. What this fact sheet covers. Who is this fact sheet for? When should I complete a notice of intent? Fact sheet and form Notice of intent A notice of intent to claim or vary a deduction for personal super contributions (notice of intent) allows you to claim a tax deduction for your personal contributions,

More information

MyState Wealth Management Superannuation Account Reference Guide

MyState Wealth Management Superannuation Account Reference Guide MyState Wealth Management Superannuation Account Reference Guide 19 August 2015 Superannuation Account Reference Guide 1 Trustee and Issuer: The Trust Company (Superannuation) Limited ABN 49 006 421 638

More information

Life Events/Salary Increase cover

Life Events/Salary Increase cover Fact sheet and form Life Events/Salary Increase cover What this fact sheet covers This fact sheet provides information about Life Events insurance cover and Salary Increase cover available through our

More information

Product Disclosure Statement. Your guide to AvSuper for Income Stream Members

Product Disclosure Statement. Your guide to AvSuper for Income Stream Members Product Disclosure Statement Your guide to AvSuper for Income Stream Members 1 July 2015 Contents welcome 1 transition to retirement 2 starting an Income Stream 3 accessing your money 4 your beneficiaries

More information

Australian Equities Index Fund

Australian Equities Index Fund Contents Page 1. About netwealth 2 2. How the Fund works 2 3. Benefits of investing in the Fund 4 4. Risks of managed investment schemes 4 5. How we invest your money 5 6. Fees and costs 6 7. How managed

More information

ANZ Superannuation Savings Account

ANZ Superannuation Savings Account ANZ Superannuation Savings Account ADDITIONAL INFORMATION GUIDE 21 JUNE 2012 Issued by OnePath Custodians Pty Limited ABN 12 008 508 496, AFSL 238346, RSE L0000673 About this Additional Information Guide

More information

Application Form and Rollover Form

Application Form and Rollover Form Super Division Application Form and Rollover Form Version 21, Issued 1 July 2016 EXCEPTIONAL BENEFITS! Only Water Corporation employees have access to our super fund. So join today and don t miss this

More information

MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide

MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide Preparation date 1 July 2015 Issued by The Trustee, MLC Nominees Pty Limited (MLC) ABN 93 002 814 959 AFSL 230702 The

More information

Fixed insurance cover

Fixed insurance cover Fact sheet and form Fixed insurance cover When it comes to insurance cover, one size doesn t necessarily fit all. That s why you have the ability to convert your Death and Total & Permanent Disablement

More information

REQUEST FOR WITHDRAWAL

REQUEST FOR WITHDRAWAL REQUEST FOR WITHDRAWAL If you need help For assistance call NGS Super Customer Service Team on 1300 133 177. Step 1. Complete your personal details Please print in black or blue pen, in uppercase, one

More information

Additional Information Booklet

Additional Information Booklet SuperWrap Additional Information Booklet Dated 20 November 2015 This Additional Information Booklet ( Booklet ) has been prepared by the issuer of SuperWrap: BT Funds Management Limited ABN 63 002 916

More information

WA Super Insurance Guide

WA Super Insurance Guide MY SUPER APPROVED WA Super Insurance Guide The information in this document forms part of the WA Super Product Disclosure Statement, November 2013 You should read the PDS in conjunction with this Member

More information

MyLife MyInsurance Application to Increase Income Protection Cover due to Salary Increase Part A

MyLife MyInsurance Application to Increase Income Protection Cover due to Salary Increase Part A MyLife MyInsurance Application to Increase Income Protection Cover due to Salary Increase Part A If you have Income Protection cover you may be eligible to increase your cover to ensure it keeps up with

More information

How super is taxed. Inside. Accumulation 1 and Spouse Account members. The University of Melbourne THIS DOCUMENT WAS PREPARED ON 1 OCTOBER 2015.

How super is taxed. Inside. Accumulation 1 and Spouse Account members. The University of Melbourne THIS DOCUMENT WAS PREPARED ON 1 OCTOBER 2015. How super is taxed Accumulation 1 and Spouse Account members The information in this document forms part of the UniSuper Accumulation 1 Product Disclosure Statement and UniSuper Spouse Account Product

More information

Investment Bond & Rollover

Investment Bond & Rollover Investment Bond & Rollover This report includes: Deferred Annuity Capital Guaranteed Collection Rollover Rollover Portfolio and Rollover Parking Fund Capital Guaranteed Collection Investment Bond Investment

More information

How super works. MySuper. Member Booklet Supplement. 1 July 2015

How super works. MySuper. Member Booklet Supplement. 1 July 2015 Member Booklet Supplement How super works July 205 The information in this document forms part of the First State Super Member Booklets (Product Disclosure Statements) for: Employer Sponsored members dated

More information

Member Application Form

Member Application Form Super Member Application Form Employer Sponsored and Personal Plan members Joining Australian Catholic Superannuation is easy. Simply complete this form using a dark pen and capital letters or type directly

More information

Additional Information Booklet

Additional Information Booklet SuperWrap Additional Information Booklet Dated 1 July 2014 This Additional Information Booklet ( Booklet ) has been prepared by the issuer of SuperWrap: BT Funds Management Limited ABN 63 002 916 458 AFSL

More information

Retirement Savings Account (RSA)

Retirement Savings Account (RSA) Retirement Savings Account (RSA) Product Disclosure Statement (PDS) Incorporated (by reference) Information Booklet - Superannuation, Rollovers and Pensions. As at 24 September 2014 Issued by the Qantas

More information

OneAnswer Personal Super and Pension. Additional Information Guide

OneAnswer Personal Super and Pension. Additional Information Guide OneAnswer Personal Super and Pension Additional Information Guide 27 February 2012 Entity details in this guide Name of legal entity Registered numbers Abbreviated terms used throughout the PDS OnePath

More information

ANZ Smart Choice Super

ANZ Smart Choice Super ANZ Smart Choice Super PRODUCT DISCLOSURE STATEMENT EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015 Contents 1. About ANZ Smart Choice Super 3 2. How super works 3 3. Benefits of investing with ANZ Smart Choice

More information

Family law and superannuation

Family law and superannuation Family law and superannuation Fact sheet This fact sheet looks at the process of splitting a superannuation benefit under the family law process and the types of benefits that may be affected, including

More information

Fact Sheet Tax on Super 2009/10

Fact Sheet Tax on Super 2009/10 It pays to belong TM Key Focus A tax of 15% applies to concessional (i.e. before tax) contributions. All employer and salary sacrifice contributions will be taxed at the top marginal rate if your super

More information

Complete this form to withdraw part or all of your benefit as a lump sum, roll over to another GESB account and/or to another complying super fund.

Complete this form to withdraw part or all of your benefit as a lump sum, roll over to another GESB account and/or to another complying super fund. Benefit access Gesb Super and West State Super SUP E R ANNUATION Complete this form to withdraw part or all of your benefit as a lump sum, roll over to another GESB account and/or to another complying

More information

Superannuation Surcharge Guide. Issued: December 2013

Superannuation Surcharge Guide. Issued: December 2013 Superannuation Surcharge Guide Issued: December 2013 Contents Introduction... 3 Surcharge process... 4 What are my options?... 5 Need more information?... 7 Contact Centres 70 Eagle Street Brisbane 63

More information

Your guide to what is included in the MLC MasterKey Business Super Product Disclosure Statement. MLC MasterKey Business Super Insurance Guide

Your guide to what is included in the MLC MasterKey Business Super Product Disclosure Statement. MLC MasterKey Business Super Insurance Guide MySuper Compliant Contents 1 About MLC MasterKey Business Super 1 2 How super works 2 3 Benefits of investing with MLC MasterKey Business Super 2 4 Risks of super 3 5 How we invest your money 3 6 Fees

More information

Australian Superannuation Transfer Guide

Australian Superannuation Transfer Guide Australian Superannuation Transfer Guide Contents Page Making an informed decision 3 How do I know if I have Super in Australia? 3 How do I know if my Australian Super can be transferred? 4 Why should

More information

LifeTrack Personal Superannuation

LifeTrack Personal Superannuation This product disclosure statement has been produced for the successor fund transfer of existing members of the LifeTrack Superannuation Fund to the IOOF Portfolio Service Superannuation Fund. LifeTrack

More information

CLIENT FACT SHEET. If you are under age 65 you may make personal contributions to superannuation on your own behalf.

CLIENT FACT SHEET. If you are under age 65 you may make personal contributions to superannuation on your own behalf. CLIENT FACT SHEET July 2010 Understanding superannuation and superannuation contributions Superannuation is an investment vehicle designed to assist Australians in saving for their retirement. The Government

More information

Things you should know

Things you should know Westpac Group Plan Defined Benefit Pension (including Spouse pension) Product Disclosure Statement (PDS) Dated: 1 July 2014 Things you should know The Westpac Group Plan Defined Benefit pension provides

More information