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

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

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

Transcription

1 Contents BT Lifetime Personal Super Product Disclosure Statement (PDS) Dated 1 July About BT Lifetime Personal Super 2 2. How super works 2 3. Benefits of investing with BT Lifetime Personal Super 3 4. Risks of super 3 5. How we invest your money 4 6. Fees and costs 5 7. How super is taxed 7 8. Insurance in your super 7 9. How to open an account Other information 8 Things you should know This PDS summarises the key information you need to make a decision and is issued by BT Funds Management Limited ABN , AFSL (BTFM, Trustee, our, we or us), the Trustee of BT Lifetime Super ABN It includes references to additional information in the Additional Information Booklets (Part 1 General Information, Part 2 Investment and Part 3 Insurance) that are part of this PDS (incorporated by reference) marked with an. The Additional Information Booklets contain important information you should consider before making a decision to invest in BT Lifetime Personal Super (BT Super). Information in this PDS, including the Additional Information Booklets, is subject to change from time to time and may be updated by us. Updated information, if it is not materially adverse, can be obtained by going to our website at bt.com.au, contacting the financial adviser for your BT Super account or by calling Customer Relations. You can obtain a paper copy of the PDS and any updated information at any time, free of charge, at bt.com.au or by calling us on The information in this PDS is general information only and does not take into account your personal financial situation or needs. You may wish to consult a financial adviser to obtain financial advice tailored to suit your personal circumstances. This PDS can only be used by persons receiving it (electronically or otherwise) in Australia and applications from outside Australia will not be accepted. An investment in BT Super is not an investment in, deposit with, or any other liability of, Westpac Banking Corporation ABN (Westpac), or any other company in the Westpac Group. It is subject to investment risk, including possible delays in repayment or loss of income and principal invested. Westpac and its related entities do not stand behind or otherwise guarantee the capital value or investment performance of any investment options or any related assets of BT Super. Contact us If you have any questions about BT Super, call Customer Relations on from 8.00am to 6.30pm (Sydney time), Monday to Friday or

2 1. About BT Lifetime Personal Super Brought to you by BT Financial Group (BT) BT has been helping Australians create, manage and protect wealth since BT provides a diverse range of investment choices, including funds managed by some of the world s leading global investment managers. Why choose BT Lifetime Personal Super (BT Super)? BT Super offers flexibility, choice and control over your retirement savings. You can maintain your BT Super account throughout your working life, regardless of how many times you change jobs. You can choose from our range of over 20 investment options and you can also apply for insurance cover within your super. For current information about the Trustee and the latest product updates about BT Super, please go to bt.com.au. You can find information on each trustee and executive remuneration for BT Super at bt.com.au, as well as other important information and documents about BT Super. Who is responsible for BT Super? BT Super forms part of the BT Lifetime Super (the Fund) and is issued by BTFM, a member of the Westpac Group. Our registered address is Level 20, Westpac Place, 275 Kent Street, Sydney NSW The Unique Superannuation Identifier (USI) for BT Super is BTA0137AU. BT Super provides insurance through a group policy (the Policy) issued by an external insurer, AIA Australia Limited ABN , AFSL (the Insurer). 2. How super works About super Super is a means of saving for retirement, which is in part a compulsory requirement. It could become one of the biggest investments you will make in your life. Nearly every Australian has the right to choose the super entity into which their employer should pay their super contributions. The Australian Government has provided tax savings and other benefits which generally makes super a great long-term investment vehicle. Contributions Different types of contributions can be made to super for example, employer, voluntary and government contributions. Generally, if you re under 65 years of age, contributions can be accepted from you, your spouse and your employer. Once you turn 65, there are rules around accepting contributions. Limits (known as caps ) generally apply on the amount of contributions that can be made to your super. If you exceed the caps, additional tax will be payable. Withdrawals There are withdrawal limitations that apply to super. Generally you cannot access your super until you have turned 65, or retired after reaching your preservation age (between 55 and 60, depending on your date of birth). In limited circumstances, your super can be accessed before you retire if you meet a condition of release under superannuation law. For more information about super, see How super works in the Additional Information Booklet Part 1 General Information and the Frequently Asked Questions at bt.com.au. How super works before making a decision. Go to the Additional Information Booklet Part 1 The material relating to How super works may change between the time when you read this 2

3 3. Benefits of investing with BT Lifetime Personal Super BT Super is a super product designed for individuals BT Super offers flexibility and investment options for you to take control of your super and plan for your lifestyle in retirement. Great range of investment options BT Super has over 20 investment options covering different asset classes and investment styles. This means you can spread your super across different investment options to match your savings strategy and risk profile. Insurance choices BT Super allows you to pay your premiums using before-tax dollars from your super. The insurance options in BT Super are: Death cover, or Death and Total and Permanent Disablement cover. Access to your account any time You can monitor and manage your super with BT Online at bt.com.au or via our automated BT Link phone service on We keep you informed We will keep you up-to-date with important changes to your BT Super account. When you join you ll receive a statement confirming your BT Super details and access details for your secure BT Online and BT Link services. Ongoing you ll receive an annual statement detailing your account information for the year to 30 June, annual reports on our website and confirmation of transactions that you have requested. You can also register to receive confirmation of your transactions from us via SMS to your Australian mobile number. BT Benefits BT Super members can enjoy great discounts on health services, overseas travel and entertainment, amongst other great offers simply log into BT Online for details. the benefits of investing in, and the other significant features of, BT Lifetime Personal Super before making a decision. Go to the Additional Information Booklet Part 1 General Information which is available at bt.com.au. The material relating to the benefits of investing in, and the other significant features of, BT Lifetime Personal Super may change between the time when you read this 4. Risks of super All investments involve varying degrees of risk. Super funds may invest in a range of asset classes including cash, fixed interest, property and shares that have different levels of risk. BT Super offers a variety of investment options, containing different weightings of asset classes. The likely investment return, and the level of risk of losing money, is different for each investment option depending on the underlying mix of assets. Generally, the higher the potential return of an investment over the longer term, the greater the level of risk of loss in the shorter term. What are the risks involved? When considering your investment in super, it is important to understand the following. Investments will fluctuate in value over time. Returns are not guaranteed and you may lose some of your money. Investment returns can be volatile and future returns may vary from past returns. Laws affecting your super may change in the future. The amount of your future super savings (including contributions and returns) may not be enough to provide adequately for your retirement. Processing of transactions may be delayed in some circumstances, for example, when an investment manager delays issuing unit prices. Investment options may also be closed, varied or terminated, or investment managers replaced without notice. Risks associated with a particular investment option could include (among other things) risks specific to a certain security, market risk, currency risk, interest rate risk, derivatives and gearing risk, alternative investments risk, credit risk, liquidity risk, and legal and regulatory risk. The appropriate level of risk for you will depend on a range of factors including your age, investment timeframe, where other parts of your wealth are invested and your own tolerance to risk. the Risks of super before making a decision. Go to the Additional Information Booklet Part 1 The material relating to the Risks of super may change between the time when you read this 3

4 5. How we invest your money You can choose from over 20 investment options, managed by BT and a number of leading external investment managers, covering a broad range of asset classes and risk and return alternatives. You can choose any number of investment options and change your investment selection at any time. What happens if I do not make a choice? You re required to make an investment choice. If you don t make a choice, your application will be incomplete and we ll be unable to invest your contributions. Investment details for the BT Balanced Returns investment option Information about BT Balanced Returns is summarised in the table below. You can find information about the other investment options in the Additional Information Booklet Part 2 Investment online. BT Balanced Returns Investment objective Investment strategy Minimum suggested investment timeframe Asset allocation neutral position (NP) and ranges 1 Risk category Standard Risk Measure 2 Aims to provide an overall return (before fees and taxes) that exceeds the return from its benchmark, when measured over the minimum suggested investment timeframe. The investment option is an actively managed diversified portfolio that invests in Australian and international shares, Australian and international property securities, Australian and international fixed interest, cash and alternative investments. The investment option has a higher weighting towards growth assets than defensive assets. 5 years Asset type NP (%) Range (%) Australian shares International shares Australian property securities International property Australian fixed interest International fixed interest Alternative investments Cash Moderate (For investors who are looking for good long-term returns while minimising large ups-and-downs in the short term.) 6. High Benchmark A range of published indices 3 How can I change my investment option? 1. Online at bt.com.au log in to your BT Super account online to switch investment options. 2. Complete the Switch Request form available at bt.com.au. Important: before you decide how to invest your super, you must consider the likely investment return, risk and your investment timeframe. How we invest your money before making a decision. Go to the Additional Information Booklet Part 2 Investment which is available at bt.com.au. The material relating to How we invest your money may change between the time when you read this statement and the day when you acquire the product. 4 1_ Based on the latest information available as at 31 March For the most current neutral positions and ranges, please refer to bt.com.au. 2_ This provides a guide on the expected number of negative annual returns over any 20 year period. It does not consider all forms of investment risk and does not take into account tax. This is based on industry guidance to allow investors to compare investment options that are expected to deliver a similar number of negative annual returns over any 20 year period. You should be comfortable with t he potential losses of your chosen investment options. For more information go to the Additional Information Booklet Part 2 Investment. 3_ The benchmark is created from a range of published indices and is based on the asset allocation neutral positions for each asset class. For more information go to the Additional Information Booklet Part 2 Investment.

5 6. Fees and costs DID YOU KNOW? Small differences in both investment performance and fees and costs can have a substantial impact on your long term returns. For example, total annual fees and costs of 2% of your account balance rather than 1% could reduce your final return by up to 20% over a 30 year period (for example, reduce it from $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 may be able to negotiate to pay lower administration fees. Ask the fund or your financial adviser. TO FIND OUT MORE If you would like to find out more, or see the impact of the fees based on your own circumstances, the Australian Securities and Investments Commission (ASIC) website (www.moneysmart.gov.au) has a superannuation fee calculator to help you check out different fee options. This section shows fees and other costs that you may be charged. These fees and other costs may be deducted from your money, from the returns on your investment or from the assets of BT Super as a whole. Other fees, such as activity fees, advice fees for personal advice and insurance fees, may also be charged, but these will depend on the nature of the activity, advice or insurance chosen by you. Taxes, insurance fees and other costs relating to insurance are set out in another part of this document. You should read all the information about fees and other costs because it is important to understand their impact on your investment. The fees and other costs for each other investment option offered by BT Super are set out in the Additional Information Booklet Part 1 General Information. BT Lifetime Personal Super BT Balanced Returns Type of fee Amount How and when paid Investment fee Issuer fee 1.54% pa of the investment option s asset value Plus Deducted from the assets of the BT Balanced Returns investment option, and reflected in the unit price, on a daily basis. Performance fee estimate 0.00% 1 pa of the Performance fee deducted from the assets of the investment option s asset value BT Balanced Returns investment option and reflected in the unit price on a daily basis when investment performance targets are met. Administration fee Buy sell spread Switching fee Exit fee Advice fee relating to all members investing in a particular investment option Other fees and costs 3 Indirect cost ratio Estimated to be 0.26% 2 of the amount invested in or withdrawn from the investment option Member advice fee, if you agree a fee with your financial adviser Plus Insurance fees (consisting of an Insurance plan fee of $ per month and Insurance premiums), if you have insurance cover in BT Super Expense recoveries estimate of 0.28% 5 pa of the investment option s asset value Plus Regulatory Change Expense Recovery of up to 0.10% pa of the investment option s asset value Cost of the buy/sell will generally be incurred partly when you invest and partly when you withdraw from the BT Balanced Returns investment option. The member advice fee, insurance premiums direct debit contribution charge and dishonour fee are deducted from your account balance on the date the fee or cost is incurred. The insurance plan fee is deducted from your account balance on the last day of each month. Deducted from the assets of the BT Balanced Returns investment option, and reflected in the unit price, on a daily basis. 1_ The performance fee is an estimate based on a historical fee as at 30 June The performance fee may be higher if certain investment performance targets are achieved in the future. 2_ Estimate based on the latest available figures at 31 March The buy/sell spread may change from time to time. 3_ Additional fees may apply. Please refer to the Additional explanation of fees and costs section for more information. 4_ Fee for the 2014/2015 financial year and increases each 1 July in line with inflation. 5_ Estimate based on the latest available figure at 30 June

6 Important: additional service fees and transaction costs may be payable. Please refer to the Additional explanation of fees and costs in the Additional Information Booklet Part 1 General Information for more information. For details of the fees and costs of the other BT Super investment options, please refer to Fees and costs in the Additional Information Booklet Part 1 General Information online. Example of annual fees and costs for BT Balanced Returns This table gives an example of how the fees and costs in the BT Balanced Returns investment option in BT Super can affect your super investment over a one year period. You should use this table to compare this super product with other super products. EXAMPLE BT Balanced Returns BALANCE OF $50,000 Investment fees 1.54% 1 For every $50,000 you have in the BT Balanced Returns investment option you will be charged $770 each year. PLUS Administration fees PLUS Indirect costs for BT Balanced Returns EQUALS Cost of product And, you will be charged $0 in administration fees regardless of your balance. 0.38% And, indirect costs of $190 each year will be deducted from your investment. If your balance was $50,000, then for that year you will be charged fees of $960 for the BT Balanced Returns investment option. 1_ The example above assumes nil Performance fees. The Investment fee is a historical fee as at 30 June The Investment fee may be higher if certain investment performance targets are achieved in the future. Additional explanation of fees and costs GST and taxes The fees quoted in this section are inclusive of Goods and Services Tax (GST) and net of any applicable Reduced Input Tax Credits (RITC). Advice fee Additional fees may be payable if you have consulted a financial adviser. You may agree to pay your financial adviser a one-off or ongoing monthly fee from your BT Super account for personal financial advice relating to your BT Super account. An ongoing percentage based advice fee cannot be paid on any amount(s) you borrow to contribute to your BT Super account. Details of any advice fees will be set out in the Financial Services Guide (FSG), Statement of Advice (SOA) and, if applicable, your annual Fee Disclosure Statements, which your financial adviser is required to provide to you. Changes in fees and costs We are allowed to alter any of the fees and costs without your consent (up to any maximum that applies). The maximum fees and costs allowed under the Trust Deed are set out in the Additional Information Booklet Part 1 General Information. If we increase the fees and costs, you ll receive at least 30 days advance notice. Fees and costs before making a decision. Go to the Additional Information Booklet Part 1 The material relating to Fees and costs may change between the time when you read this statement and the day when you acquire the product. Regulatory Change Expense Recovery Recent regulatory reforms have required BT to undertake a significant program of work to implement the reforms. In addition, BT (along with other superannuation providers) is being charged a levy to help fund government costs for supervising the superannuation industry; which BT is entitled to recover. To help cover the significant cost of implementing these reforms and the levies, the Fund s Indirect Cost Ratio may increase by up to 0.10% pa. This increase is expected to apply until reform implementation is completed in The amount charged will be reduced by any tax benefit you are entitled to receive. 6

7 7. How super is taxed Tax on contributions You must provide your Tax File Number (TFN) before investing in BT Super. If you haven t provided your TFN, we will not accept contributions into your BT Super account. Some, but not all, contributions are taxed, generally at a rate of 15%. A provision for contributions tax is deducted from your account after the end of the financial year, or prior to certain withdrawals you make. If you re classified as a high income earner, you may need to pay an additional 15% tax (Division 293 tax) on some or all of your contributions. If this applies to you the ATO will notify you after the end of the financial year. For more information on this Division 293 tax, please refer to the ATO website at ato.gov.au. Important: while you can contribute as much as you like, you may incur additional tax if contributions exceed certain limits (known as caps ). The two main caps available to you are the concessional and the non-concessional contributions caps. It is your responsibility to make sure you don t exceed these caps. Tax on earnings Investment earnings and capital gains are taxed at a maximum rate of 15% in BT Super. Some capital gains may be taxed at the concessional rate of 10%. Tax on earnings is reflected in the applicable investment option s unit price or interest rate and is not deducted directly from your account. Tax on withdrawals If you are aged 60 or over, withdrawals from your account are generally tax free. If you re under the age of 60, your lump sum withdrawals will not incur any tax on the tax-free component. The amount of tax payable on the taxable component will depend on your age when you make the withdrawal. Lump sum withdrawals will be taxed as follows: Lump sum withdrawals Tax-free component: Taxable component: If under preservation age (between 55 and 60 depending on your date of birth) tax is generally paid at 20% plus Medicare Levy. If aged between preservation age and 59, tax free up to the low rate cap, then generally 15% plus Medicare Levy. If aged 60 or over: tax free. Different tax rates and rules for withdrawing your super may apply if you are or were a holder of a temporary visa under the Migration Act How super is taxed before making a decision. Go to the Additional Information Booklet Part 1 The material relating to How super is taxed may change between the time when you read this 8. Insurance in your super What insurance options are available in BT Super? Death Only cover Death Only cover pays a lump sum Death benefit to safeguard you and your beneficiaries if you die or suffer a Terminal Illness. Death and Total & Permanent Disablement (TPD) cover Death and TPD cover pays a lump sum if you die, suffer a Terminal Illness or become Totally and Permanently Disabled. A Total and Permanent Disablement insured benefit could be used to cover ongoing care, medical bills and anything else you choose to use it for. Please refer to the Additional Information Booklet Part 3 Insurance online for details. If you become eligible to receive a benefit, the Insurer will normally pay it to us. We will pay the benefit to you provided you meet the conditions for release under the Trust Deed and Australian superannuation law (as applicable). How do I apply for cover? Determine the type and amount of cover required your adviser can help you with this. Read the Insurance in your super section in the Additional Information Booklet Part 3 Insurance. Complete the insurance section of the BT Super application form (and if required, the insurance Personal Statement form). Insurance is only provided if you apply for cover and your application is accepted by the Insurer. You can change or cancel your insurance cover at any time by writing to us. How much will my cover cost? The cost of your cover is called your premium. Premiums are payable by you and are deducted from your BT Super account. Your premium depends on a number of factors, including the type of insurance you have, the amount of insurance you have for each benefit, your age, gender, smoking status, health, occupation and pursuits, and any loading specified by the Insurer. The yearly cost of your cover could range from $0.00 (if you choose not to have insurance cover with BT Super) up to a rate of $ per $1,000 of Death Only cover, or $ per $1,000 of Death and TPD cover, plus an additional amount if the Insurer has specified a premium loading and a monthly insurance plan (administration) fee of $ These rates are correct as at the date of this document and could change please refer to the Additional Information Booklet Part 3 Insurance online for the latest premium rates. 1_ Based on a member who at the time of applying for cover is a male, age 70 next birthday and classified as a smoker. 2_ Based on a member who at the time of applying for cover is a male, age 70 next birthday, classified as a smoker and has a heavy blue collar occupation rating. 3_ Fee for the 2014/2015 financial year. Increases at 1 July each year in line with inflation (as measured by CPI). 7

8 Important: information about insurance is included in the Additional Information Booklet Part 3 Insurance, including eligibility for, and cancellation of insurance; conditions and exclusions applicable to the cover; the level and type of cover available; and the costs of insurance. This information may affect your entitlement to insurance. You should read the important information about Insurance in your super before making a decision. Go to the Additional Information Booklet Part 3 Insurance which is available at bt.com.au. The material relating to Insurance in your super may change between the time when you read this 9. How to open an account Make an initial contribution to set up your BT Super account Complete the application form and either complete the Direct Debit Request section of the form or enclose a cheque made payable to BTFG LSF <member name>, and send to us. The minimum initial investment in BT Super is $3,000. If you re establishing a Regular Contribution Plan the minimum initial investment is lowered to $2,000. Please note that we can only accept applications made from within Australia. We may accept or reject an application without giving reasons. Complaint resolution If you have a concern or complaint about the operation or management of BT Super, please contact Customer Relations on If your concern cannot be resolved over the phone, you can write to our Complaints Officer at: Complaints Officer BT Financial Group GPO Box 2675 Sydney NSW 2001 We ll endeavour to resolve your complaint within 30 days of receiving your written correspondence, and are required by law to deal with your complaint within 90 days. If you re not satisfied with the response, or have not received one within 90 days, you may contact the Superannuation Complaints Tribunal (the Tribunal) by calling or writing to Locked Bag 3060, Melbourne VIC The Tribunal is an independent body established by the Government to help retail members of super funds resolve complaints. Cooling-off period To ensure you are happy with your decision to open a BT Super account, you have a 14-day cooling-off period to check your account meets your expectations. Your cooling-off period starts on the earlier of: the date you receive confirmation of your application, or the end of the fifth business day after the day you are issued with an interest in BT Super. For more information about the Cooling-off period, go to the Additional Information Booklet Part 1 General Information. Other information before making a decision. Go to the Additional Information Booklet Part 1 The material relating to Other information may change between the time when you read this 10. Other information About this PDS This PDS has been prepared in accordance with our obligations under the Corporations Act 2001 and does not form the basis of contractual relations between you and us except where this is specifically intended to be the case. We reserve the right to change the features and provisions of BT Super but will provide you with notice of any such change. Your rights in relation to the Fund and BT Super are governed by the Trust Deed, (which overrides any provisions in this PDS), the Superannuation Industry (Supervision) Act 1993, the Corporations Act 2001, related legislation governing super and the general law. For more information bt.com.au BT Financial Group GPO Box 2675 Sydney NSW BT30290_0714px

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

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

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

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

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

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

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

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

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

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

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

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

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

ANZ Superannuation Savings Account

ANZ Superannuation Savings Account ANZ Superannuation Savings Account Product Disclosure Statement 21 June 2012 Contents 1. About ANZ Superannuation Savings Account 2 2. How super works 2 3. Benefits of investing with ANZ Superannuation

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

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

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

Westpac Personal Superannuation Fund 2015 Annual Report. Westpac Personal Superannuation Fund. 2015 Annual Report

Westpac Personal Superannuation Fund 2015 Annual Report. Westpac Personal Superannuation Fund. 2015 Annual Report Westpac Personal Superannuation Fund 2015 Annual Report Westpac Personal Superannuation Fund 2015 Annual Report i Contents Recent developments in superannuation... 1 Proposed changes to superannuation...

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

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

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

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

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

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

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 BT Wholesale Core Global Share Fund Issued 24 July 2015 Contents 1 About BT Investment Management (Fund Services) Limited 2 How the BT Wholesale Core Global Share Fund works

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

BT Balanced Equity Income Fund

BT Balanced Equity Income Fund BT Balanced Equity Income Fund Product Disclosure Statement (PDS) Issued 26 September 2012 Contents 1 About BT Investment Management (RE) Limited 2 How the BT Balanced Equity Income Fund works 3 Benefits

More information

ADVANCE INTERNATIONAL SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS)

ADVANCE INTERNATIONAL SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) ADVANCE INTERNATIONAL SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) Issued: 1 July 2015 ARSN 087 295 501 APIR ADV0053AU Contents 1. About Advance Asset Management Limited... 2 2. How the Fund

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

BT Wholesale Multi-manager Australian Shares Fund

BT Wholesale Multi-manager Australian Shares Fund BT Wholesale Multi-manager Australian Shares Fund Product Disclosure Statement ( PDS ) Issued 1 July 2015 ARSN 118 469 720 APIR BTA0259AU Contents 1. About BT Funds Management Limited 2 2. How the Fund

More information

Product Disclosure Statement (PDS) Issued 12 September 2014

Product Disclosure Statement (PDS) Issued 12 September 2014 Product Disclosure Statement (PDS) Issued 12 September 2014 Nikko AM-Tyndall Australian Share Wholesale Fund Contents 1 About Nikko Asset Management Australia Limited 2 How the Nikko AM-Tyndall Australian

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

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

ADVANCE AUSTRALIAN SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS)

ADVANCE AUSTRALIAN SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) ADVANCE AUSTRALIAN SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) Issued: 1 July 2015 ARSN 087 296 008 APIR ADV0045AU Contents 1. About Advance Asset Management Limited... 2 2. How the Fund

More information

SuperTrace Eligible Rollover Fund

SuperTrace Eligible Rollover Fund SuperTrace Eligible Rollover Fund Product Disclosure Statement Effective Date: 1 January 2015 Contents 1. About SuperTrace 1 2. How super works 2 3. Benefits of investing with SuperTrace 3 4. Risks of

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

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

Magellan Global Fund. Product Disclosure Statement 16 June 2014. Contents. Contact Details ARSN 126 366 961 APIR MGE0001AU

Magellan Global Fund. Product Disclosure Statement 16 June 2014. Contents. Contact Details ARSN 126 366 961 APIR MGE0001AU Magellan Global Fund ARSN 126 366 961 APIR MGE0001AU Product Disclosure Statement 16 June 2014 Issued by Magellan Asset Management Limited ABN 31 120 593 946, AFS Licence No. 304 301 Contents 1. About

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

Ausbil Investment Trusts Australian Active Equity Fund

Ausbil Investment Trusts Australian Active Equity Fund Contactus@ ausbil.com.au Ausbil Investment Trusts Australian Active Equity Fund Product Disclosure Statement 18 December 2014 ARSN 089 996 127 APIR AAP 010 3AU mfund AXW01 Commenced April 1997 Issue Number

More information

BT Term Life as Superannuation

BT Term Life as Superannuation BT Term Life as Superannuation Annual Report for the year ended 30 June 2014 The issuer of Term Life as Superannuation (part of the Superannuation Division of Westpac MasterTrust ABN 81 236 903 448, SFN

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

Integrity Australian Share Fund

Integrity Australian Share Fund Integrity Australian Share Fund Product Disclosure Statement (PDS) Issued 21 June 2012 Contents 1 About Integrity Investment Management Australia Limited 2 How the Integrity Australian Share Fund works

More information

Westpac Personal Superannuation Fund Westpac Term Life as Superannuation

Westpac Personal Superannuation Fund Westpac Term Life as Superannuation Westpac Personal Superannuation Fund Westpac Term Life as Superannuation Annual Report for the year ended 30 June 2011 WESTPAC PERSONAL SUPERANNUATION FUND WESTPAC TERM LIFE AS SUPERANNUATION Contents

More information

Zurich Investments Global Growth Share Fund APIR ZUR0580AU

Zurich Investments Global Growth Share Fund APIR ZUR0580AU Zurich Investments Global Growth Share Fund APIR ZUR0580AU Product Disclosure Statement (PDS) Preparation date 22 June 2012 Strategic investment partner: American Century Investments 1. About Zurich Investments

More information

Challenger Guaranteed Annuity (Liquid Lifetime)

Challenger Guaranteed Annuity (Liquid Lifetime) Challenger Guaranteed Annuity (Liquid Lifetime) Product Disclosure Statement (PDS) Dated 27 October 2014 Challenger Guaranteed Annuity (SPIN CHG0005AU) Issuer Challenger Life Company Limited (ABN 44 072

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

BT Income Protection as Superannuation

BT Income Protection as Superannuation BT Income Protection as Superannuation Annual Report for the year ended 30 June 2014 The issuer of Income Protection as Superannuation (part of the Superannuation Division of Westpac MasterTrust ABN 81

More information

State Street Global Equity Fund ARSN 162 547 784 APIR SST0050AU

State Street Global Equity Fund ARSN 162 547 784 APIR SST0050AU Product Disclosure Statement State Street Global Equity Fund ARSN 162 547 784 APIR SST0050AU Issued 6 October 2015 by State Street Global Advisors, Australia Services Limited ABN 16 108 671 441, AFSL 274900

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. 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

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

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

Westpac Personal Superannuation Fund.

Westpac Personal Superannuation Fund. Westpac Personal Superannuation Fund. Annual Report for the year ended 30 June 1 Features at a glance. 2 Investment Overview. 4 Investment Options. 5 Investment Option profiles. 10 Performance. 12 Fees

More information

Helping you own your retirement. North Super and Pension. Product Disclosure Statement Part A

Helping you own your retirement. North Super and Pension. Product Disclosure Statement Part A North Super and Pension Product Disclosure Statement Part A Helping you own your retirement North Personal Superannuation and Personal Pension Issue Number 7, 1 July 2014 To be read in conjunction with

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

T. Rowe Price Wholesale Plus Global Equity Fund

T. Rowe Price Wholesale Plus Global Equity Fund T. Rowe Price Wholesale Plus Global Equity Fund Product Disclosure Statement ( PDS ) Issued 10 August 2015 ARSN 602 109 357 APIR BTA0538AU Contents 1. About BT Funds Management Limited 2 2. How the Fund

More information

UBS Diversified Fixed Income Fund Product Disclosure Statement

UBS Diversified Fixed Income Fund Product Disclosure Statement 12 October 2015 UBS Diversified Fixed Income Fund Product Disclosure Statement Issue No. 3 ARSN: 090 428 372 APIR: SBC0007AU MFUND: UAM06 Issued by UBS Global Asset Management (Australia) Ltd ABN 31 003

More information

St.George Income Protection as Superannuation. Annual report for the year ended 30 June 2015.

St.George Income Protection as Superannuation. Annual report for the year ended 30 June 2015. St.George Income Protection as Superannuation Annual report for the year ended 30 June 2015. Contents Welcome... 3 Recent developments in superannuation... 4 2015/16 superannuation thresholds...4 Higher

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

St.George Income Protection as Superannuation. Annual report for the year ended 30 June 2014.

St.George Income Protection as Superannuation. Annual report for the year ended 30 June 2014. St.George Income Protection as Superannuation Annual report for the year ended 30 June 2014. Contents Welcome... 3 Recent developments in superannuation... 4 Increases to Superannuation Guarantee...4 Concessional

More information

Zurich Investments Managed Growth Fund APIR ZUR0059AU

Zurich Investments Managed Growth Fund APIR ZUR0059AU Zurich Investments Managed Growth Fund APIR ZUR0059AU Product Disclosure Statement (PDS) Issue date 1 July 2014 1. About Zurich Investments Zurich Investment Management Limited (Zurich Investments) is

More information

BT Investment Funds. Second Supplementary Product Disclosure Statement

BT Investment Funds. Second Supplementary Product Disclosure Statement BT Investment Funds Second Supplementary Product Disclosure Statement Dated: 1 July 2014 This is a Second Supplementary Product Disclosure Statement ( Second SPDS ) to the BT Investment Funds Product Disclosure

More information

Product Disclosure Statement 2 March 2015

Product Disclosure Statement 2 March 2015 Product Disclosure Statement 2 March 2015 Acorn Capital Microcap Fund Issued by: Australian Unity Funds Management Limited ( AUFM or Responsible Entity ) ABN 60 071 497 115, AFS Licence No. 234454 Section

More information

BT Lifetime Super Employer Plan

BT Lifetime Super Employer Plan BT Lifetime Super Employer Plan Additional Information Booklet Part 3 Insurance Dated: 1 July 2015 Last updated: 1 July 2015 About this Additional Information Booklet This document is Part 3 of the Additional

More information

Challenger Guaranteed Annuity

Challenger Guaranteed Annuity Challenger Guaranteed Annuity Product Disclosure Statement (PDS) Dated 13 June 2014 Challenger Guaranteed Annuity (SPIN CHG0005AU) Issuer Challenger Life Company Limited (ABN 44 072 486 938) (AFSL 234670)

More information

Schroders Schroder Global Blend Fund

Schroders Schroder Global Blend Fund Schroders Schroder Global Blend Fund Product Disclosure Statement Issued 27 October 2014 Contact details Schroder Investment Management Australia Limited (ABN 22 000 443 274) (AFSL No: 226 473) Registered

More information

Defence Bank Super Type of fee Amount How and when paid

Defence Bank Super Type of fee Amount How and when paid Fees and Costs This fact sheet details all the fees and costs that may apply to your account. It s designed to be read in conjunction with the Product Disclosure Statement and is subject to review from

More information

Macquarie Index Tracking Global Bond Fund Product Disclosure Statement

Macquarie Index Tracking Global Bond Fund Product Disclosure Statement Macquarie Index Tracking Global Bond Fund Investment Management 4 July 206 Macquarie Index Tracking Global Bond Fund Product Disclosure Statement Contents. About Macquarie Investment Management Australia

More information

Product disclosure statement. Capital Group Global Equity Fund Hedged (AU) Contents. thecapitalgroup.com.au

Product disclosure statement. Capital Group Global Equity Fund Hedged (AU) Contents. thecapitalgroup.com.au ARSN 094 966 631 APIR WHT0043AU Information in this PDS is a summary of significant information and is general in nature. It contains references to other important information which forms part of the PDS

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

EQT Diversified Fixed Income Fund

EQT Diversified Fixed Income Fund EQT Diversified Fixed Income Fund Product Disclosure Statement ARSN 601 989 815 APIR ETL0420AU Issue Date 10 August 2015 This Product Disclosure Statement ( PDS ) has been prepared and issued by Equity

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

MERCER GLOBAL LOW VOLATILITY SHARES FUND Product Disclosure Statement

MERCER GLOBAL LOW VOLATILITY SHARES FUND Product Disclosure Statement MERCER GLOBAL LOW VOLATILITY SHARES FUND Product Disclosure Statement 1 June 2015 ARSN: 154 973 154 APIR: MIN0083AU Contents Page 1. About Mercer Investments (Australia) Limited 2 2. How the Mercer Global

More information

Asgard Elements Super/Pension

Asgard Elements Super/Pension Asgard Elements Super/Pension Updating the information in the Supplementary Product Disclosure Statement (SPDS) and Product Disclosure Statement (PDS) This update, dated 1 July 2015, relates to the Asgard

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

Challenger Guaranteed Income Fund (For IDPS investors)

Challenger Guaranteed Income Fund (For IDPS investors) Guaranteed Income Fund (For IDPS investors) Product Disclosure Statement (PDS) Dated 27 April 2012 Challenger (ARSN 139 607 122) Responsible Entity Challenger Retirement and Investment Services Limited

More information

BT Business Super. Additional Information Booklet Part 3 Insurance. Dated: 1 July 2015 Last updated: 1 July 2015

BT Business Super. Additional Information Booklet Part 3 Insurance. Dated: 1 July 2015 Last updated: 1 July 2015 BT Business Super Additional Information Booklet Part 3 Insurance Dated: 1 July 2015 Last updated: 1 July 2015 About this Additional Information Booklet This document is Part 3 of the Additional Information

More information

Supplementary Product Disclosure Statement

Supplementary Product Disclosure Statement Supplementary Product Disclosure Statement 12 March 2014 This Supplementary Product Disclosure Statement (SPDS) is dated 12 March 2014, and supplements each Product Disclosure Statement and Policy (PDS)

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

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

EQT Australian Equity Income Fund (Common Fund No. 12)

EQT Australian Equity Income Fund (Common Fund No. 12) EQT Australian Equity Income Fund (Common Fund No. 12) Product Disclosure Statement mfund EQY02 ARSN 167 772 830 APIR ETL0399AU Issue Date 1 July 2014 This Product Disclosure Statement ( PDS ) has been

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

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

MERCER GLOBAL CREDIT FUND Product Disclosure Statement

MERCER GLOBAL CREDIT FUND Product Disclosure Statement MERCER GLOBAL CREDIT FUND Product Disclosure Statement 1 June 2015 ARSN: 141 046 282 APIR: MIN0032AU Contents Page 1. About Mercer Investments (Australia) Limited 2 2. How the Mercer Global Credit Fund

More information

Whitehaven Equity Income Fund

Whitehaven Equity Income Fund Whitehaven Equity Income Fund ARSN: 166 733 133 Product Disclosure Statement Dated 6 January 2014 Whitehaven Private Portfolios Ltd Investment Manager and Responsible Entity ABN 64 109 808 577; AFSL 300878

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

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

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

SPECIAL ARRANGEMENTS FOR ANZ ONEANSWER

SPECIAL ARRANGEMENTS FOR ANZ ONEANSWER SPECIAL ARRANGEMENTS FOR ANZ ONEANSWER 2 MAY 2016 As a client of ANZ Financial Planning you are invested into the ANZ branded version of OneAnswer which is called ANZ OneAnswer. Outlined below are certain

More information

OnePath Wholesale Australian Share Trust

OnePath Wholesale Australian Share Trust OnePath Wholesale Australian Share Trust Product Disclosure Statement INVESTMENT 9 June 2015 Contents Page OnePath Wholesale Australian Share Trust ARSN 089 940 081 APIR AJF0804AU 1. About OnePath Funds

More information

Dimensional Short Term Fixed Interest Trust

Dimensional Short Term Fixed Interest Trust Dimensional Short Term Fixed Interest Trust PRODUCT DISCLOSURE STATEMENT Issued by DFA Australia Limited ( Dimensional ) ABN 46 065 937 671 APIR DFA0100AU Australian Financial Services Licence number:

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

Westpac MasterTrust Fund Westpac Income Protection as Superannuation. Annual Report for the year ended 30 June 2013

Westpac MasterTrust Fund Westpac Income Protection as Superannuation. Annual Report for the year ended 30 June 2013 Westpac MasterTrust Fund Westpac Income Protection as Superannuation Annual Report for the year ended 30 June 2013 Contents Welcome 3 Recent developments in superannuation 4 Other useful information 5

More information

St.George Quick Cover

St.George Quick Cover St.George Quick Cover St.George Quick Cover is the fast and easy way to help protect the people you care about. Product Disclosure Statement and Policy Wording (PDS). Effective Date: 20 October 2014 Issued

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

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

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

Australian Share Fund Class A Units

Australian Share Fund Class A Units Australian Share Fund Class A Units Product Disclosure Statement 21 October 2013 Table of Contents 1 About Ellerston Capital Limited 2 How the Ellerston Australian Share Fund works 3 Benefits of Investing

More information