Why UniSuper? A snapshot of benefits

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1 Why UniSuper? A snapshot of benefits

2 About us When you join UniSuper, you ll be part of one of Australia s largest super funds. We re run exclusively to provide higher education and research employees like you, with a better financial future. Our award-winning products, competitive fees and investment returns along with support to help you make smart financial decisions all contribute to making us a great choice in super.

3 We help you make smart decisions If super isn t your forte, you can relax knowing it s ours. You can count on us for advice, seminars and access to online tools and calculators, so you can make smart decisions about your financial future. Online tools We make it easy for you to understand your super. Our range of online videos, webinars and calculators help you to make the most of your savings and easily manage your account. We also provide personalised video statement snapshots and retirement income projections to some members, giving a clear picture of how you re tracking today and tomorrow. Financial advice Our qualified UniSuper Advice team offers comprehensive financial plans and advice on super and your broader finances. You can rest easy knowing you re talking to a qualified adviser who not only has an extensive knowledge of super, investment and retirement products but also understands the sector you work in. Our financial advice offices are also accredited under the Financial Planning Association Professional Practice program the highest accreditation for an advice business. Whether you want a comprehensive financial plan (where the cost can be deducted from an eligible super account # ), or just to chat about one or two things, UniSuper Advice can help. See unisuper.com.au/advice to find out more. ADVICE

4 Free seminars As a UniSuper member, you can come along to one of our many seminars around Australia to learn more and ask questions about all sorts of super, personal finance and pension-related topics. Member seminars are held on and off campus, in locations around Australia. Partners are welcome too.

5 Competitive fees We keep fees competitive, so more of your hard-earned savings stay in your account. You may not realise it, but an extra 1% in fees can really eat into super savings over an average lifetime, potentially meaning tens of thousands of dollars less in retirement.^ Plus, we don t pay any commissions to our financial advisers and profits are returned to members so your retirement savings can grow faster. One of Australia s most awarded funds We re proud to be recognised as one of Australia s most awarded super funds. Over the years we ve received a string of awards and high ratings from independent ratings and research agencies. Most recently we were named Super Fund of the Year and Best Fund: Investments, 2015 by Chant West and received 5 apples ratings for our Accumulation 1 and Accumulation 2 products. Our Accumulation products were also awarded a 10-year Platinum Performance rating by SuperRatings.* These awards reflect our ongoing commitment to providing you with the highest quality products and services, along with our competitive investment returns.** # Any advice paid for from your UniSuper account must be related to your super and/or super-related retirement planning. ^ Source: ASIC s Superannuation calculator at moneysmart.gov.au. You can use the calculator to compare how different fees can impact your balance over time. * Sources: Chant West Super Fund Ratings at and SuperRatings at SuperRatings and Chant West do not issue, sell, guarantee or underwrite UniSuper products. ** Past performance is not an indicator of future performance.

6 Insurance options Growing your retirement savings and protecting your wealth should go hand in hand that s why we offer a range of competitively priced, flexible insurance options. You can take advantage of our external insurance cover (plus additional inbuilt benefits for Defined Benefit members) to protect you and your loved ones, should the unexpected happen. Investment choice Everyone has different needs and preferences, so it s good to know you have the flexibility to create your own super investment strategy or leave it to our team of investment experts. Find out more about our investment options, including suggested investment timeframes and the types of assets we invest in, by reading How we invest your money at unisuper.com.au. While you re online, you can also check the latest returns.

7 We re here to help If you have a question about your account or want to find out more about our products and services, we re just a phone call away. Or, you can drop in and have a chat with an on-campus consultant near you. We ll also stay in touch by sending you enewsletters, member magazines, statements and a monthly investment report so you can keep your finger on the pulse of one of your biggest assets. And we keep strong connections with government, community and opinion leaders too, so we can continue to advocate for better retirement outcomes on your behalf. Find out today how we can make a difference to your financial future. See how we measure up against other funds using Chant West s AppleCheck at unisuper.com.au/compare.

8 CONTACT US Helpline Website unisuper.com.au Address UniSuper Level 35, 385 Bourke Street Melbourne Vic 3000 Australia Prepared by UniSuper Management Pty Ltd (ABN , AFSL No ) on behalf of UniSuper Limited, ABN the trustee of UniSuper (ABN ). UniSuper Management Pty Ltd is the Administrator of the Fund and is licensed to provide financial advice, which is provided under the name of UniSuper Advice. This information is correct as at November 2015 and is of a general nature only. It has been prepared without taking into account your individual objectives, financial situation or needs. Before making any decision in relation to your UniSuper membership, you should consider your personal circumstances, the relevant product disclosure statement for your membership category and whether to consult a qualified financial adviser. To obtain a copy of the PDS relevant to your membership category visit unisuper.com.au or contact us on UniSuper Advice is a service dedicated to UniSuper members and their spouses which is provided by UniSuper Management Pty Ltd, the entity licensed to provide financial advice. For further information about UniSuper Advice, please visit unisuper.com.au to access the relevant Financial Services Guides. For any further enquiries, please call UniSuper Advice on UNIS Printed on an environmentally responsible paper.