Super Saver Induction Booklet

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1 VISION SUPER YOUR INDUSTRY SUPER FUND Super Saver Induction Booklet December Low fees and great value for money 99 Automatic Income Protection and Death & Disability cover 99 No commissions or bonuses paid to our Financial Planners My Super Approved To choose us, you don t have to do a thing! Simply keep this booklet somewhere handy, and look forward to hearing from us soon.

2 Contents Welcome to Vision Super 3 Full service super account 4 Your super investment 5 Why your super is important 6 Automatic insurance with us 7 Super advice for members 8 Choose the right super fund 9-10 Make the right choice for you 10 Choosing a super fund - ATO instructions and form 11-15

3 Welcome to Vision Super Getting started As a new member, you ll hear from us a couple of times over the next month. Each of the following steps is important and will make your super life easier. 1 Induction booklet This booklet is your introduction to Vision Super. Read through it to learn more about how to maximise your retirement savings. 2 Welcome Kit You will receive a Welcome Kit in the mail. Find out all that your super has to offer in just 8 steps! Who is Vision Super? We ve been looking after super since That s over 65 years! Historically caring for people in the local government, community services and water industries, we are also open to the public. Our long history means you benefit from our years of experience in helping people maximise their long-term savings. Being with us means you re in a fund ranked in the top 15% of super funds that offer the best value for money. To choose us, you don t have to do a thing Vision Super is your new employer s default super fund. This means that if you don t choose a different super fund, you ll automatically become a Vision Super member. 7 reasons why we re the industry fund for you We don t pay any commissions or bonuses to advisers and provide profits to members. Our administration fees are low and we don t charge joining, exit or hidden fees. With Vision Super, you ll always: 3 Phone 4 Call call You will receive a welcome phone call personally welcoming you to Vision Super. Our consultants will explain how to get the most out of your super and help you with any paperwork. us If you have any questions our Member Services team are here to help you with all your super needs. Call us on (regional callers ). 1. Speak with a real person when you call us 2. Have automatic* Income Protection and Death & Disability insurance cover 3. Get the latest in super presented to you at your workplace by super professionals 4. Be assured not a single cent of your money goes to financial planning commissions or bonuses 5. Have a fund that keeps costs low and provides profits to our members 6. Receive professional super advice as your needs change during your lifetime 7. Get discounts such as insurance with Bupa and banking products with ME Bank. SuperRatings, Ratings and Awards, * For eligible non-casual employees only. Casual employees receive automatic death only cover when your super account balance reaches $1,000. Induction Booklet 3

4 Full service super account You ll always speak with a real person! Call our Member Services team to get general super advice and information about your super. We don t use out-sourced call centres or automated telephone response systems. Call us on (or for regional callers). Visit our website to view: Î Î your super investment options and investment performance Î Î easy calculators and financial tools to work out your financial position Î Î answers to your super questions Î Î tips on planning for retirement. Log in to Vision Online, your personalised member account to: Î Î view your account balance Î Î review your insurance cover Î Î change your investment options Î Î update your personal details Î Î nominate your preferred beneficiaries. Visit Super advice for all life stages Whatever stage of life you re at, we can show you how to maximise your future super payout. A quick chat with a consultant could be all it takes to find out what you need to do. We offer three types of advice: OPTION 1 General Advice Quick chat over the phone. OPTION 2 Limited Personal Advice Detailed discussion over the phone. This advice is limited and covers things like making extra contributions, changing your investment options and reviewing your insurance. OPTION 3 Personal Advice Meet with a Vision Super Financial Planner to develop a Retirement Super Plan. Receive insurance automatically when you join us When you join Vision Super through part or full time work with your employer, you automatically gain two types of insurance cover through your super: Î Î Death and Total & Permanent Disability (TPD) cover protects you 24 hours a day 7 days week, even while you are overseas Î Î Income Protection cover can help to replace your lost income if you can t work due to temporary illness or disability. See page 7 for more details. Please note: If you are a casual employee you will only receive automatic death only cover when your super balance reaches $1,000. Extra benefits Discounted health and general insurance Vision Super members are eligible for a 5% discount on health insurance through Bupa. If you already have health insurance with Bupa, you also get 10% off general insurance with Bupa, including car, home or contents insurance, and 15% off your travel insurance. To find out more, call Bupa on or visit: Discounted home loans and low-cost banking Vision Super members have access to a range of low cost banking services through Members Equity Bank. You can also apply for any of the Super Member Home Loans and get a discounted interest rate. To find out more, call ME Bank on or visit Need more help? If you would like to discuss your super, call us on (or for regional callers). Our Financial Planning services are offered to our members and it s good to know that our financial planners do not receive commissions or bonuses. 4 Vision Super

5 Your super investment Invest your super your way! OPTION Stay 1 with our default option Balanced Growth If you prefer not to choose your own investment option, your money will be invested in our default option Premixed Balanced Growth. Balanced Growth is a diversified portfolio made up of different assets including: Î Australian and International Equities Î Direct Property Î Private Equity Î Diversified Bonds Î Cash What is a default option? Generally when you join a super fund, you will be asked to nominate your investment choice. If you do not make a choice, your super will be invested in the default investment option. Vision Super s default investment option is Balanced Growth. OPTION 2 Or have your choice of 9 investment options The table below shows the 9 investment options you can choose to invest your super in. Each option is made up of different percentages of asset classes, and as a result, carries a different level of risk and return. Understanding investment risk versus return can help you to choose the investment options that best suit your needs and investment time frame. Which investment option would suit me best? Visit our website at to get an indication of the investment option that may best suit you. Premixed Premixed options invest in a mix of shares, property, fixed interest, cash and alternative investments, determined by Vision Super. Each premixed option is different, allowing you to choose an option that you are comfortable with. Conservative Balanced Balanced Growth Growth Just Shares Single Sector Single sector options invest in individual asset classes. If you want to, you can construct your own portfolio, investing using our single sector options. Cash Diversified Bonds Australian Equities International Equities MySuper If your account remains 100% invested in the default Balanced Growth option, you are in the MySuper category of Vision Super Saver. If you make an investment choice and change how your super is invested, you will be automatically transferred into the Choice category of Vision Super Saver. The Choice and MySuper categories have identical insurance, services and fees. My Super Approved

6 Your #1 long-term savings solution for retirement? Super can be your biggest asset outside of owning your own home. A lifelong asset, it is designed to assist working Australians with savings for the long-term. The 7 advantages of super 1. Regular long-term savings 2. Invest in good quality long-term assets such as shares, property and diversified bonds 3. Tax effective a special concessional rate of tax applies to super funds which, in most cases, is lower than the marginal tax rate you pay on earnings outside of super 4. Automatic insurance ensures you are covered in case of illness or disability 5. Superannuation savings generally cannot be accessed until between (depending on your birth date) the ages of 55-60, or your retirement, so your savings have a lifetime to compound in interest 6. When you retire (from age 60), you can access your super completely tax-free 7. We manage your investments for you and provide regular reports on your super, so you can invest your super with peace of mind. Things to think about All investments carry risk, including the investments you have access to as a Vision Super member. Super funds have different investment strategies and invest in a diverse range of assets including Australian and international equities, property, bonds, infrastructure and cash. Each of these investment strategies presents a different level of risk. The appropriate level of risk for you will depend on a variety of factors, including your age, your investment timeframe, whether you have other personal wealth outside of super, and your risk tolerance. Over the time of your investment, the value of your super may go up and down. The investment earnings you received in the past may not be the same as those you experience in the future. Returns are not guaranteed and you may lose some of your money. Superannuation laws may change in the future affecting your financial and retirement planning. You should try to stay informed about changes to superannuation rules and consider how any changes may affect you. Due to investment risks and other factors, your super (including your contributions and returns) may not be sufficient to adequately fund your retirement. It is worth consulting a professional financial adviser to assist in developing an investment and savings strategy that will help you achieve your goals. Australia s Future Tax System - The Retirement Income System: Report on Strategic Issues. 3 super tips to get you started 1 Putting extra into your super is the secret to a comfortable retirement Studies show that the current rate of Superannuation Guarantee (SG) is insufficient for most Australians to meet the costs of living in their later years. Super helps you grow your long-term savings by giving your savings tax concessions that can t be found outside super. The previous Federal Government announced that SG contributions will gradually increase to 12% by 01/07/2019. The newly elected Government has announced they may delay the SG increase by two years, reaching 12% by instead. 2 Choose 3 Move suitable investment option(s) It is important to choose the investment option that suits your needs for growth and security of capital, and your individual risk profile and stage of life. all your super into one account Don t pay multiple account fees! Transfer your super into one account to cut down on fees and paperwork and maximise compound returns. Other super funds may charge exit fees and changing funds may cancel any disability and/or death cover and/or income protection cover so be sure to check before you change funds.

7 Automatic insurance with us Get insurance automatically when you join us When you join Vision Super Saver through part or full time employment with your employer, you receive two types of automatic* insurance cover through your super: 1. Death and Total & Permanent Disability (TPD) Cover Death & TPD cover covers you 24 hours a day, 7 days a week, even while you are overseas. If you die or become totally and permanently disabled, it can be used to cover medical expenses and help your family get back on their feet. Automatic cover Î Î 3 units of age-based cover you can also choose fixed cover. Cost Î Î $1.52 per unit per week (66 cents per unit per week for death only cover). 2. Income Protection Cover If you can t work due to temporary illness or disability, Income Protection cover helps to replace your lost income. Benefits are paid monthly, after a 60-day waiting period, and will be paid for up to two years. Automatic cover Î Î 75% of your annual salary, up to a salary of $128,000 p.a. Cost Î Î Varies depending on your age. * If you are a casual employee you will only receive automatic death only cover when your super balance reaches $1,000. You can make changes to your insurance. More details can be found in the Product Disclosure Statement at: Questions and answers Q: What is a unit of cover vs fixed cover? A: A unit provides you with cover that decreases as you get older, but the premium stays the same. Fixed cover remains the same but the premium increases as you get older. Q: What if I m a casual employee? A: You will receive automatic death only cover when your super account balance reaches $1,000. Benefits of your Vision Super insurance Î Î Cover is generally cheaper than an individual policy from an external insurance provider Î Î Payment is tax-effective, because super contributions are only taxed at 15% Î Î You re covered 24 hours a day 7 days a week, not just when you re at work Î Î Death benefits are paid to dependants tax-free. Why do you need insurance? Insurance helps protect and provide for you and your family during times of unexpected hardship. It is particularly important to have enough cover when planning for key life events such as: Î Î getting married Î Î starting a family Î Î putting together a Financial Plan Î Î buying property or any other asset involving debt Î Î starting your own business. For more information about the amount of insurance cover you have, please refer to the Vision Super Saver Product Disclosure Statement. How much insurance do I need? Visit our website at and use our online insurance calculator and find out how much you need and how little cover costs. Induction Booklet 7

8 Super advice for members Get advice to maximise your super Professional advice can play an important role in helping you to maximise your super investment. Research * has shown that individuals who have professional advice tend to have: Î reduction in risk through diversification of investments Î better match between their super investment and risk profile Î financial discipline and greater savings. * Value Proposition of Financial Advisory Networks, KPMG EconTECH, 29 October 2009 A range of advice depending on what you need OPTION General 1 advice over the phone Quick chat about: Î Î Your super benefit Î Î Super investment options Î Î Contribution options Î Î Insurance with Vision Super Î Î How the latest changes to super affect you Î Î How to transfer over your super. This service is free of charge. OPTION Comprehensive 3 personal advice Meet with a Vision Super Financial Planner to develop a Retirement Super Plan outlining: Î Î Financial strategies Î Î Wealth creation Î Î Wealth protection Î Î Managed investments Î Î Banking products Î Î Transition to retirement Î Î Retirement income streams Î Î Combining super accounts Î Î Super estate planning Î Î Organising super to maximise Centrelink entitlements Î Î A projection of your expected retirement position. There are fees for advice where it is ongoing. Set fees apply each time we provide you with advice about: Î Î Retirement planning Î Î Products & services outside of Vision Super Î Î Reviews about our advice. Flat fees are in place and our staff do not receive bonuses or commissions. The fees can be deducted directly from your accumulation account. OPTION Limited 2 personal advice over the phone or face to face # Detailed discussion on: Î Î Salary sacrifice Î Î Government co-contribution Î Î Insurance with Vision Super Î Î Super investment choice. # This advice is limited to your Vision Super account. This service is free of charge. Get super advice to: Î Î Review your current super benefit and options to better your income in retirement Î Î Consider strategies for early retirement and growing your retirement savings Î Î Get a better match between your super investment and risk profile Î Î Discuss tax-advantaged contribution options Î Î Review your insurance through Vision Super. Need more help? If you would like to discuss your super, call us on (or for regional callers). 8 Vision Super

9 Choose the right super fund Compare the benefits of being with Vision Super As super is a lifelong commitment, take the time to make the choice that s right for you. Use the table below to compare Vision Super with other funds to see how we measure up. Fees Joining fee Contribution fee Withdrawal fee Termination fee Vision Super Saver Other fund Nil Nil Nil Nil Investment switching fee Nil * Administration fee Investment management fee Insurance premiums (weekly) Investment choice Premixed options Single sector options Flexibility to switch options Insurance options Type of cover Age-based or fixed cover Extra services Easy contribution options Secure online account Seminars or workplace visits Financial advice Discounted health insurance and financial products Call centre Regular communications Industry recognition SuperRatings Flat fee of $1.50 per week plus 0.18% per annum (p.a.) of the account balance each year capped at $540 (for account balances of $300,000 or over) Fee depends on your investment option. For the Balanced Growth option there is an internal investment management fee of 0.47% p.a. and an external investment cost of 0.33% p.a.. ÎÎDeath and Total & Permanent Disability (TPD) from $1.52 per unit per week ÎÎDeath only: $0.66 per unit per week ÎÎIncome Protection: depends on age and waiting period 5 options available 4 options available Daily ÎÎTPD up to $2.5 million ÎÎDeath up to $5 million ÎÎIncome Protection up to 85% cover (75% salary + 10% super), choice of 60 and 30 day waiting periods, and 2 year or to age 65 payment periods. Yes - both available for Death and TPD cover Yes - You can make contributions by BPAY, Direct Debit and cheque Yes - You can check your account balance, change investment options, nominate beneficiaries and update your address details One-on-one appointments and super workplace seminars available at no extra charge, providing general advice on super Comprehensive Retirement Planning services Yes Yes - available 8:30am to 5:00pm (EST) weekdays, local call cost Yes - including statements and newsletters Nine year Platinum rating Best Value for Money (the highest rating available) * When you make an investment switch, you may also incur a buy/sell spread which is included in the unit price of the investment option you choose. A switching fee will not be charged in addition to the buy/sell spread. Induction Booklet 9

10 Make the right choice for you Vision Super Saver is part of the Local Authorities Superannuation Fund. Vision Super Pty Ltd ABN , AFSL is the Trustee of the Local Authorities Superannuation Fund ABN and the Vision Superannuation Fund ABN Need more help in choosing? For more information, and to view investment management fees, please refer to the Vision Super Saver Product Disclosure Statement or call us on (or for regional callers). Make the right choice for you Make the right choice for you You have two options to choose from: OPTION I m 1 happy with Vision Super If you re happy to keep your super with us, you don t have to do a thing. Simply put this information booklet somewhere handy, and look forward to hearing from us soon. OPTION I 2 would like to nominate a different super fund To choose a different super fund, you must complete all the sections in the following Australian Tax Office Choice of Fund form on pages 9 to 13. Please note, you can only nominate a different super fund if you are eligible to do so. For more information, please speak to your Human Resources or payroll representative.

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16 VISION SUPER YOUR YOUR INDUSTRY SUPER SUPER FUND FUND 8 reasons why we re your employer s chosen default fund: 1. No joining, exit or hidden fees 2. No commissions or bonuses paid to our Financial Planners 3. Speak with a real person when you call us 4. Have automatic Income Protection and Death & Disability insurance cover with us 5. Get the latest in super presented to you at your work place and one-on-one time with super professionals 6. Count on us for professional super advice as your needs in life change 7. Run only to profit members 8. Solid investment performance. The industry fund for you! This information was current at the time of publishing. Vision Super believes the statements are correct and not misleading but we give no VISION warranty SUPER in relation to them. Save for any statutory liability, we disclaim all liability for any loss or damage that may arise from anyone acting Level on 5, these 1 Spring statements. Street All services and products detailed herein are subject to Australian laws that may change from time to time. Melbourne VIC 3000 This information is general information only and not intended to act as financial advice. Remember, your circumstances and financial PO needs Box are unique. Collins Before Street acting East on the basis of anything contained in this document, you should consider whether it is appropriate to your Melbourne needs and VIC circumstances You should obtain and read the relevant Product Disclosure Statement before acquiring any financial product. T 03 We 9911 suggest 3222 you (Member seek professional Services) advice to make the best choice for your circumstances. Where tax information is included you should consider obtaining tax advice (regional callers) 03 Vision 9911 Super 3111 Pty (reception) Ltd ABN Australian Financial Services Licence , is the Trustee of the Local Authorities F 03 Superannuation Fund ABN and the Vision Superannuation Fund ABN Vision Super Pty Ltd ABN , Australian Financial Services E Licence , is the Trustee of the Local Authorities Superannuation Fund W Level 5, 1 Spring Street, Melbourne VIC 3000 PO Box 18041, Collins ABN Street East, 637 Melbourne 884 and VIC the 8003 Vision Superannuation Fund ABN T (member services) (regional callers) (reception) F E W ABN AFSL

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