Super funds may appear the same. This checklist may help you compare what your employer provides, with other funds.

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Super funds may appear the same. This checklist may help you compare what your employer provides, with other funds."

Transcription

1 Super funds may appear the same. This checklist may help you compare what your employer provides, with other funds. There are no forms to complete if you join your employer fund. You ll simply be enrolled in your employer fund and placed into a default investment strategy where your contributions will be paid. You also have the option of choosing an investment strategy if you wish. This checklist highlights some issues to consider if you re comparing superannuation funds. The choice is yours. Of course, before you make any decision about your financial future, you should consider speaking to a licensed and qualified financial planner who can provide advice that s specific to your objectives, financial situation and needs. Contact Plum on if you would like to speak to a financial planner. Some of the features of your employer fund, which forms part of the Plum Superannuation Fund, include: Administration and investment fees that use the buying power of all employee members. You may also want to use this checklist to compare fees. Insurance premiums that use the buying power of all employee members. You may also want to use this checklist to compare fees. Insurance cover without medicals You may receive insurance cover without having to undertake any medical examinations. No commissions No commissions are payable to any financial planners. Investment range You have up to 34 different investment options from which to choose. Experience Plum administers over $8.5 billion of assets on behalf of over 80 corporate clients, many of whom are amongst the largest employers in Australia including BHP Billiton, Wattyl, HP and Boral. Ongoing monitoring Your employer meets regularly with Plum to monitor the service quality of your employer fund. Please refer to the current Product Disclosure Statement (PDS) for more information about your Employer fund. PLRD /05

2 Number and style of investment options You have the choice of 34 investment options in which to invest. The investment portfolios provide a choice of: - diversified and single sector managers; and - active and passive management. You have up to three investment paths to choose from. Check to see if the fund provides you with a professionally managed investment that may suit you. Diversifying your investments could help you to reduce your risk over the long term. Refer to the current PDS for more information about the investment options available. Investment performance Current performance figures are calculated after tax and investment fees. Investment unit prices are updated daily. Up-to-date information is available at To make sure you re comparing like with like, check to see if the quoted investment performance is net or gross of tax and fees. Consider your asset allocation and the appropriate mix of investments which could impact the overall investment performance of your fund. Think about how you measure investment performance. For example, is consistency of performance more important to you than being at the top of the market one year and at the bottom the next? Remember past performance is not a reliable indicator of future performance.

3 Admin fee Member fee This fee represents a percentage of your assets p.a. Your employer may pay for some of, or the entire fee. This will depend on your employer plan. This is usually a flat dollar fee paid annually by you or your employer. Superannuation funds may describe their fees and charges differently. So it s important to understand fee structures if you want to make an accurate comparison. Most importantly, look at all the fees across your plan, not simply the administration fees. Fee to process your benefit payment (termination fee) This is a flat dollar fee for each benefit payment processed. Entry fee to establish your account None Fee for employee contributions None Fee for employer contributions None Switching fee* No transaction switching fees apply.* Withdrawal fees None H M L Trustee fee Currently no fees are charged. H M L Sales commissions for selling a superannuation plan No commissions are payable to any financial planners. Check the Statement of Advice provided to you by your financial planner to see if any commissions will be received. These will need to be disclosed as part of the financial planner s recommendations. Gross investment fees Current investment option management costs range from 0.34% to 1.46% p.a. Make sure you understand if the fees are gross or net of tax. Investment fees are deducted from earnings before investment returns (which may be positive or negative) are credited to your account. This fee does not include the transaction costs which are incurred when assets of the underlying investments are purchased or sold. * Some transaction costs (buy/sell fees) may apply. Current buy/sell fees range from 0% to 0.5%. Information on any buy/sell fees that may apply on some investments is contained in the current PDS or go to the Investment options section at

4 Automatic You can be automatically acceptance limit for accepted for insurance cover up death and total and to a certain limit without having to permanent undergo a medical examination. disablement (TPD) This limit will depend on your cover employer plan. Check to see if your fund provides death, TPD and salary continuance cover. Death and TPD and salary continuance cover The Plum Superannuation Fund can provide a combination of death, disablement and salary continuance options with automatic acceptance limits. The insurance options available will depend on your employer plan. Check the definition of disablement for any TPD cover. Check the waiting period and benefit payment period definition for salary continuance cover. This is a summary only and the complete terms and conditions are set out in the insurance policy. Once you become a member, comprehensive information on your insurance arrangements, including appropriate premium rates, is in the PDS. Automatic acceptance limit for salary continuance You can be automatically accepted for salary continuance up to a certain limit without having to undergo a medical examination. This limit, and any other conditions, will depend on your employer plan. Insurance premium paid by employer The Plum Superannuation Fund can accept premiums payable by you or your employer. This will depend on your employer plan. Voluntary cover available Voluntary cover may be available. Some exclusions may apply. Please refer to the PDS. Death benefit You may nominate your preferred beneficiary. In the event of your death, the Trustee will take this nomination into account when they decide who your benefit should be paid to, however the Trustee is not bound by your nomination. For comprehensive information on your insurance arrangements, including appropriate premium rates, please refer to the PDS. This is a summary only and the complete terms and conditions are set out in the insurance policy. Please note, the premiums payable may include a commission to Plum.

5 Voluntary contributions You are able to make before and after-tax contributions. These can be accepted via your employer, by cheque or BPAY. Automatic voluntary contribution program You may have the option to join the Escalator Program. This provides you with automatic increases to your voluntary contributions each year up to a maximum contribution rate of 15% p. a. (including your employer contributions). Member education programs Over 20 education programs are available through a range of methods including seminars, workbooks and online programs wherever you re located in Australia. Investment and administration are important components of any superannuation plan but it s not the end of the story. The range and quality of the services available to you may be just as important. Ask yourself, is the information timely, relevant, assessable and informative? With so much investment choice available, education programs can help you take control of your financial future. Online tools An interactive, passwordprotected website is available allowing you to: rebalance your investments; switch investment options and change your investment strategy; download forms; receive online member statements; access investment resources; and find out more about savings and investment strategies. The website is available 24 hours a day, seven days a week. An informative website can often make life easier by giving you access to accurate on-the-spot information. Registered to BPAY Pty Ltd ABN BPAY is also available to Plum Personal Plan members. For your spouse to make contributions on your behalf, or for your employer to make employer or salary sacrifice contributions on your behalf, simply provide them with your BPAY reference number and the relevant biller code.

6 Other member communications Six-monthly statements and newsletters. An annual report. Ask yourself, can my super fund offer me the information I need when I want it? Regular information campaigns. subscription service Mail2Me for investment and education updates. Podcasts and online video presentations. Financial advice As a member of the Plum Superannuation Fund, you have access to financial planning services*. As part of the fund s arrangements you have access to an accredited panel of financial planners. Call if you would like to speak with a telephone based financial planner who can provide general advice over the phone. You can also be put in touch with a financial planner from an accredited panel for an initial face-to-face consultation at no cost. It s important to get professional advice if you re unsure about what to do and would like to review your current strategy. The right ongoing advice could save you time, give you a greater sense of control and boost your financial growth over the long term. Make sure your financial planner is licensed and has the appropriate qualifications. Ask if there are any fees or commissions involved in getting advice and keep asking until you re satisfied. For tips and information about seeking professional advice, log on to the Australian Securities and Investment Commission website at Call centre and automated telephone service IVR Plum Member Services Consultants are available weekdays from 8.00am to 6.00pm Australian Eastern Standard Time (AEST). An automated telephone service is available 24 hours a day, seven days a week. * Telephone advice and referral services provided by GWM Adviser Services Limited (GWMAS) ABN AFSL

7 Mortgage broking service As a member of the Plum Superannuation Fund, you have access to a mortgage broking service* giving you access to a range of home loan providers. You can access the broking service by calling Spouse plan Your spouse may be able to join the Plum Superannuation Fund and pay the same administration fee as charged in your employer plan. Pension facility The fund does not offer an account based pension. As a member of the Plum Superannuation Fund, an account based pension service is available through Plum s parent company MLC. You will be able to count your Plan account balance towards the fee refund that applies in the MLC pension. If you re thinking of retiring or transitioning to retirement soon, you should seek advice regarding your income stream options. Options should you leave your employer The Plum Personal Plan is available to members, incorporating many of the features currently available in your employer fund. Benefits, if remaining, can include continuation of insurance without medicals. Eligible choice fund Yes. The fund you choose must be an eligible choice fund and must comply with superannuation law and accept superannuation payments made by employers. Any other relevant features * Mortgage broking service provided by GWM Adviser Services Limited (GWMAS) ABN This information is valid as of (insert today s date) and may be subject to change.

8

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

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

Sunsuper for life guide

Sunsuper for life guide Sunsuper for life guide Want to know more about: Superannuation Income in retirement Preparation date: 9 June 2015 Issue date: 1 July 2015 Contents 1 Benefits of investing with Sunsuper for life 1 Here

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

Keep your exclusive membership if you leave employment with the Group

Keep your exclusive membership if you leave employment with the Group GPO Box 4758 Sydney NSW 2001 Telephone 1800 023 928 Facsimile (02) 9303 7700 oursuperfund.com.au Keep your exclusive membership if you leave employment with the Group Dear Member For more than 95 years,

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

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

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

Home Insurance OneAnswer

Home Insurance OneAnswer Home Insurance OneAnswer Reach your financial goals sooner About OnePath OnePath is one of Australia s leading providers of wealth, insurance and advice solutions. We have been helping Australians grow

More information

1 July 2007. To whom it may concern

1 July 2007. To whom it may concern Colonial First State Investments Limited ABN 98 002 348 352 AFS Licence 232468 Level 29 52 Martin Place Sydney GPO Box 3956 Sydney NSW 2001 Telephone 02 9303 3000 Facsimile 02 9303 3200 colonialfirststate.com.au

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

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

Nestlé Australia Group Superannuation Fund

Nestlé Australia Group Superannuation Fund Nestlé Australia Group Superannuation Fund Information about your super Greg Hughes - Russell Investments What we are going to talk about today.. How to find out more about your super In particular: Your

More information

Insurance delivering peace of mind. Your guide to insurance at Plum

Insurance delivering peace of mind. Your guide to insurance at Plum Insurance delivering peace of mind Your guide to insurance at Plum Contents Why insurance matters 2 Types of cover 4 What s right for me? 7 1 Safeguarding you and your family Life is unpredictable. From

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

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

Fees and other costs. MySuper. Member Booklet Supplement. 1 July 2015

Fees and other costs. MySuper. Member Booklet Supplement. 1 July 2015 Member Booklet Supplement Fees and other costs 1 July 2015 The information in this document forms part of the First State Super Member Booklets (Product Disclosure Statements) for: Employer Sponsored members

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

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

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

Planning for retirement

Planning for retirement Planning for retirement 1 Disclaimer This presentation contains general advice current as at April 2016 and has been prepared without taking account of your objectives, financial situation or needs. Before

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

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

SUPERANNUATION Changing jobs?

SUPERANNUATION Changing jobs? SUPERANNUATION Changing jobs? Your guide to keeping your Corporate Super account Fund Nomination Form Corporate Super February 2012 OnePath MasterFund ABN 53 789 980 697 RSE R1001525 OnePath Custodians

More information

SUPERANNUATION Changing jobs?

SUPERANNUATION Changing jobs? SUPERANNUATION Changing jobs? Your guide to keeping your Integra Super account Fund nomination form Integra Super OnePath MasterFund ABN 53 789 980 697 RSE R1001525 OnePath Custodians Pty Limited ABN 12

More information

SUPERANNUATION Changing jobs?

SUPERANNUATION Changing jobs? SUPERANNUATION Changing jobs? Your guide to keeping your Integra Super account Fund Nomination Form Integra Super July 2012 OnePath Custodians Pty Limited ABN 12 008 508 496 AFSL 238346 RSE L0000673 347

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

REST Super Member Guide

REST Super Member Guide REST Super Member Guide Effective 1 October 2015 REST Super has a MySuper option The information in this document forms part of the REST Super Product Disclosure Statement (PDS), effective 1 October 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

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

MLC Insurance. How to make your insurance more affordable

MLC Insurance. How to make your insurance more affordable MLC Insurance How to make your insurance more affordable Insurance could be more affordable than you think Research has shown Australians are worryingly underinsured. 1 One reason is many people under-estimate

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

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

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

Accumulation Account Guide. Issued 3 August 2015

Accumulation Account Guide. Issued 3 August 2015 Issued 3 August 2015 2 WINNER 2015 Our superannuation product identification number (SPIN) is QSU0101AU (Accumulation) Our superannuation fund number (SFN) is 2610 419 41 Our MySuper authorisation number

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

Terry White Chemists Superannuation a sub plan of FirstChoice Employer Super

Terry White Chemists Superannuation a sub plan of FirstChoice Employer Super July 2013 Page 1 Contents Category 1 - Permanent and Part Time staff working more than 15 hours per week Benefits in Brief...1 Getting Started...1 Your Investment Choices...2 Benefits of Insurance Cover...2

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

Super Funds Comparison Fact Sheet

Super Funds Comparison Fact Sheet Super Funds Comparison Fact Sheet This fact sheet has been prepared for new and prospective members of. However, it is not relevant to: members who have been issued with a Part Two Information former ESI

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

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

MLC MasterKey Business Super

MLC MasterKey Business Super Preparation date 5 December 2014 Issued by The Trustee MLC Nominees Pty Limited (MLC) ABN 93 002 814 959 AFSL 230702 The Fund The Universal Super Scheme ABN 44 928 361 101 This application form is valid

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

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

MLC Wrap. Investments. Service Guide. MLC Wrap. Preparation date: 17 January 2011

MLC Wrap. Investments. Service Guide. MLC Wrap. Preparation date: 17 January 2011 MLC Wrap MLC Wrap Investments Service Guide Preparation date: 17 January 2011 Issued by: Navigator Australia Limited (NAL) ABN 45 006 302 987 AFSL 236466 MLC Wrap MLC Wrap Investments Supplementary Service

More information

Retirement made easy. Helping you achieve your retirement goals. rest.com.au/restpension 1300 305 778

Retirement made easy. Helping you achieve your retirement goals. rest.com.au/restpension 1300 305 778 Retirement made easy Helping you achieve your retirement goals rest.com.au/restpension 1300 305 778 Helping you achieve your retirement goals As you near retirement you probably have a number of questions

More information

Adviser Guide. Best of the Best 2015 Fund Manager by Money Magazine. July 2015. BEST FUND MANAGER Russell Investments selected as the

Adviser Guide. Best of the Best 2015 Fund Manager by Money Magazine. July 2015. BEST FUND MANAGER Russell Investments selected as the Adviser Guide July 2015 BEST FUND MANAGER Russell Investments selected as the 2015 Best of the Best 2015 Fund Manager by Money Magazine. Russell iq Super At a glance CLIENT SEARCH NEW INVESTOR ACCOUNT

More information

Super Funds Comparison Worksheet

Super Funds Comparison Worksheet Super Funds Comparison Worksheet This worksheet has been prepared for new and prospective Defined Contribution members of. However, it is NOT relevant to Income Stream, Market Linked Pension or Defined

More information

Retirement made easy. Helping you achieve your retirement goals. rest.com.au/restpension 1300 305 778

Retirement made easy. Helping you achieve your retirement goals. rest.com.au/restpension 1300 305 778 Retirement made easy Helping you achieve your retirement goals rest.com.au/restpension 1300 305 778 Helping you achieve your retirement goals As you near retirement you probably have a number of questions

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

Issued September 2015. Salary Sacrifice. Salary Sacrifice. Grow your super. and pay less tax

Issued September 2015. Salary Sacrifice. Salary Sacrifice. Grow your super. and pay less tax Issued 12 Salary December 10 Sacrifice Salary Sacrifice Issued September 2015 Grow your super and pay less tax What is salary sacrifice? Salary sacrifice is an arrangement with your employer to pay part

More information

SignatureSuper Member Guide Fact Sheet

SignatureSuper Member Guide Fact Sheet SignatureSuper Member Guide Fact Sheet Issued 30 June 2014 AMP Corporate Super The information in this Fact Sheet forms part of the SignatureSuper Product Disclosure Statement dated 1 January 2014 for

More information

Smart strategies for your super

Smart strategies for your super Smart strategies for your super 2010 Make your super count Superannuation is still one of the best ways to accumulate wealth and save for your retirement. The main reason, of course, is the favourable

More information

A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM. www.jaswealth.com.au. Superannuation 101. Everything you always wanted to know but were too afraid to ask

A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM. www.jaswealth.com.au. Superannuation 101. Everything you always wanted to know but were too afraid to ask A DIFFERENT KIND OF WEALTH MANAGEMENT FIRM www.jaswealth.com.au Superannuation 101 Everything you always wanted to know but were too afraid to ask What is Superannuation? Superannuation 101 Contents What

More information

SUPERANNUATION. Home Insurance. Super fundamentals. Foundations for your future

SUPERANNUATION. Home Insurance. Super fundamentals. Foundations for your future SUPERANNUATION Home Insurance Super fundamentals Foundations for your future As one of your most important financial investments, it s worth understanding how superannuation works. For many Australians,

More information

Sunsuper for life guide

Sunsuper for life guide Sunsuper for life guide Want to know more about: Superannuation Income in retirement Preparation date: 6 June 2016 Issue date: 1 July 2016 Contents 1 Benefits of investing with Sunsuper for life 1 Here

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

Super Funds Comparison Worksheet

Super Funds Comparison Worksheet Super Funds Comparison Worksheet This worksheet has been prepared for new and prospective Defined Contribution members of. However, it is NOT relevant to Income Stream, Market Linked Pension or Defined

More information

Important Information and Issuer Information. Contents. 1. About ING DIRECT 3. 2. Benefits of ING DIRECT Living Super 3. 3.

Important Information and Issuer Information. Contents. 1. About ING DIRECT 3. 2. Benefits of ING DIRECT Living Super 3. 3. 1 Contents 1. About ING DIRECT 3 2. Benefits of ING DIRECT Living Super 3 3. How super works 5 4. How your ING DIRECT Living Super account works 10 5. Investment options 20 6. Fees and other costs 27 7.

More information

ANZ OneAnswer. Investment Portfolio. Incorporated Material

ANZ OneAnswer. Investment Portfolio. Incorporated Material ANZ OneAnswer Investment Portfolio Incorporated Material 5 May 2008 How do I read this Incorporated Material? This Incorporated Material provides further information and/or specific terms and conditions

More information

How super works. VicSuper FutureSaver Member Guide

How super works. VicSuper FutureSaver Member Guide How super works 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

Goldman Sachs & JBWere Superannuation Fund. Life is a journey, full of important events, stages and milestones each with its own financial obligation.

Goldman Sachs & JBWere Superannuation Fund. Life is a journey, full of important events, stages and milestones each with its own financial obligation. Goldman Sachs & JBWere Superannuation Fund 2015 INSURANCE PULSE CHECK SOLD Life changes. Your insurance needs to as well. Life is a journey, full of important events, stages and milestones each with its

More information

Bring your Australian super home. ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme

Bring your Australian super home. ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme Bring your Australian super home ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme If you ve worked in Australia at any time since 1992, you may have some Australian super tucked away. You can transfer

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

SWMS Super Wrap. Product Disclosure Document. This product is issued by: Issued 1 July 2014

SWMS Super Wrap. Product Disclosure Document. This product is issued by: Issued 1 July 2014 SWMS Super Wrap Product Disclosure Document Issued 1 July 2014 This product is issued by: Oasis Fund Management Limited as Trustee of the SWMS Super Wrap ABN 38 106 045 050 AFSL 274331 242 Pitt Street,

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

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

Contents 01 Protect yourself and

Contents 01 Protect yourself and Insurance handbook for Cbus Industry Super Auth. No. 75 493 363 262 473 8 September 2014 The information in this document forms part of the Product Disclosure Statement for Cbus Industry Super of 8 September

More information

Making the Most of Your Super

Making the Most of Your Super Making the Most of Your Super For many people, super is one of the best ways to accumulate wealth. The Government provides tax benefits to encourage people to fund their own retirement. With more Australians

More information

Insurance in Prime Super

Insurance in Prime Super Insurance in Prime Super September 2015 This fact sheet outlines why insurance is important and the benefits of having insurance through your super account. Why is insurance so important? Insurance is

More information

FINANCIAL SERVICES GUIDE

FINANCIAL SERVICES GUIDE FINANCIAL SERVICES GUIDE This Financial Services Guide ( FSG ) explains Astute Advisory Services Pty Ltd ( AAS ) financial services offering. It is a legal requirement that you must be provided with an

More information

we make it easy for you

we make it easy for you Insurance Guide PDS Supplement we make it easy for you Dated 10 November 2015 CARE Super Pty Ltd (Trustee) ABN 91 006 670 060 AFSL 235226 CARE Super (Fund) ABN 98 172 275 725 PDS Supplement The information

More information

Matrix Superannuation Master Trust Supplementary Product Disclosure Statement

Matrix Superannuation Master Trust Supplementary Product Disclosure Statement Matrix Superannuation Master Trust Supplementary Product Disclosure Statement Issued 12 December 2014 Issued by Oasis Fund Management Limited ABN 38 106 045 050 AFSL 274331 as Operator of the Matrix Portfolio

More information

The ins and outs of self-managed super

The ins and outs of self-managed super The ins and outs of self-managed super Everyone likes to be in control of their own destiny particularly when it comes to finances. Running your own super fund and therefore taking complete control over

More information

Insurance through your super

Insurance through your super Insurance through your super Review my cover Save on insurance through Super $ TPD insurance income protection Death We insure many aspects of our lives: house, car, health, life, even pets. Of all of

More information

The sooner you start thinking about growing your super, the better. But it s never too late.

The sooner you start thinking about growing your super, the better. But it s never too late. > Get calculating! If you d like to see the effect that personal contributions may have on your final entitlement, access the Super SA Benefit Projector on the Super SA website www.supersa.sa.gov.au. The

More information

Insurance Personal Questionnaire

Insurance Personal Questionnaire Insurance Personal Questionnaire Name of Client 1: Name of Client 2: This section is completed by your Adviser Adviser Name: Adviser Code: Interview Date: FSG Version Number Provided: Adviser Profile Number

More information

FINANCIAL SERVICES GUIDE (FSG)

FINANCIAL SERVICES GUIDE (FSG) FINANCIAL SERVICES GUIDE (FSG) This Financial Services Guide ( FSG ) must be read in conjunction with the Authorised Representative Profile or Adviser Profile. Together these two documents form the full

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

Member Product Disclosure Statement

Member Product Disclosure Statement 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

More information

BT Select Portfolio SuperWrap

BT Select Portfolio SuperWrap BT Select Portfolio SuperWrap Product Disclosure Statement BT Select Portfolio SuperWrap Personal Super Plan BT Select Portfolio SuperWrap Pension Plan Dated 11 March 2013 The distributor of BT Select

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

Supplementary Product Disclosure Statement SuperWrap

Supplementary Product Disclosure Statement SuperWrap Supplementary Product Disclosure Statement SuperWrap This Supplementary Product Disclosure Statement ( SPDS ) is dated 20 November 2015 and supplements the Product Disclosure Statement ( PDS ) for SuperWrap.

More information

Sunsuper for life Investment guide

Sunsuper for life Investment guide Sunsuper for life Investment guide Identify your investor needs Learn more about Sunsuper's investment options Choose your super investment Preparation date: 9 June 2015 Issue date: 1 July 2015 How we

More information

Super and your retirement. Page 1

Super and your retirement. Page 1 Super and your retirement Page 1 When we think about our retirement, we naturally imagine quite an ideal scenario. Living an active life in comfort and style. However the truth is, unless we make decisions

More information

Super Accelerator. Supplementary Product Disclosure Statement. 2 April 2015. Issuer/trustee details: netwealth Investments Limited

Super Accelerator. Supplementary Product Disclosure Statement. 2 April 2015. Issuer/trustee details: netwealth Investments Limited Super Accelerator Supplementary Product Disclosure Statement 2 April 2015 Issuer/trustee details: netwealth Investments Limited Level 8/52 Collins Street MELBOURNE VIC 3000 ABN 85 090 569 109 AFSL 230975

More information

Contributing to your super

Contributing to your super SUP E R ANNUATION Contributing to your super GESB Super and West State Super ISSUE DATE: 1 July 2015 PREPARATION DATE: 26 June 2015 Government Employees Superannuation Board ABN 43 418 292 917 Contents

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

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

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

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

Personal. Personal insurance. Protection for all life stages. Financial solutions. For life.

Personal. Personal insurance. Protection for all life stages. Financial solutions. For life. Personal Personal insurance Protection for all life stages Financial solutions. For life. Contents Protecting your well-being and your family s 3 Why leave anything to chance? 4 Making it easier for you

More information

MLC Personal Protection Portfolio MLC Life Cover Super

MLC Personal Protection Portfolio MLC Life Cover Super MLC Personal Protection Portfolio MLC Life Cover Super Product disclosure statement This Product Disclosure Statement was prepared by: MLC Limited ABN 90 000 000 402 AFSL 230694 Issuer of MLC Personal

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

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

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

RBF Tasmanian Accumulation Scheme Redundancy

RBF Tasmanian Accumulation Scheme Redundancy Fact sheet RBF Tasmanian Accumulation Scheme Redundancy Important note This information is only for members of the RBF Tasmanian Accumulation Scheme. Please refer to the Membership Category as shown on

More information

BT Lifetime Personal Super (BT Super)

BT Lifetime Personal Super (BT Super) BT Lifetime Personal Super (BT Super) Additional Information Booklet Part 1 General Information Dated 1 July 2014 Things you should know The information in this document forms part of the Product Disclosure

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