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1 Home Insurance OneAnswer Reach your financial goals sooner

2 About OnePath OnePath is one of Australia s leading providers of wealth, insurance and advice solutions. We have been helping Australians grow and protect their wealth for over 130 years, previously as Mercantile Mutual and more recently as ING Australia. Backed by the strength of ANZ OnePath is a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (ANZ) and operates as part of ANZ s specialist wealth business. By harnessing the scale and strength of the ANZ Group, OnePath is well positioned to deliver the investment needs of our clients. 2

3 OneAnswer helping you reach your financial goals sooner When you invest in OneAnswer you can be confident that you have the support of a first class investment, superannuation and pension solution that can be tailored to meet your financial goals. What is OneAnswer? OneAnswer is designed to provide you with an extensive range of investment and life insurance offerings under one convenient administration solution. Designed to support you through every stage in your life, OneAnswer can help you achieve your financial goals by providing a comprehensive solution to help you build your wealth, save for your retirement through superannuation and enjoy your retirement with a flexible income stream. There are three OneAnswer products that your financial adviser can tailor to meet your lifestyle and financial goals. BUILD Build your wealth outside of super with the OneAnswer Investment Portfolio. SAVE & PROTECT Save for your retirement with OneAnswer Personal Super and protect what you ve worked hard to achieve. ENJOY Transition and enjoy your retirement with OneAnswer Pension. $ Age Investment Portfolio build your wealth by generating capital growth and income. You have the ability to blend investment managers, investment styles and asset classes as well as the flexibility to access your money at any time. Personal Super save for your retirement by accumulating and growing your superannuation savings. You can also pay your life insurance premiums through your superannuation and take advantage of certain tax concessions. Pension enjoy your retirement by accessing your super and receive a regular income stream. As well as offering flexible income payment options you can have At-call access to your pension through ATMs, EFTPOS, ANZ branches, the internet and phone banking. 3

4 Why choose OneAnswer? OneAnswer provides an easy way to invest in managed funds and cash. By investing under the greater buying power of a convenient administration solution you benefit from lower fees and greater access to wholesale fund managers focused on delivering strong, consistent returns in all market conditions. OneAnswer also delivers a simple and secure way to track your investment performance along with regular reporting. Insurance through OneAnswer enables you to conveniently protect yourself and the ones you love. You can also take advantage of the tax effective insurance options through Personal Super. Independently recognised and highly awarded While many claim to offer market leading features and services OnePath can demonstrate an award winning track record. In the past five years we have won national awards for our products and our commitment to customer service. Our awards include: Money Magazine Best of the Best Awards Best Featured Pension for OneAnswer Frontier Pension SuperRatings Rising Star of the Year Award for OneAnswer Frontier SuperRatings finalist in the Pension Product of the Year Award for OneAnswer Frontier Pension The Heron Partnership - 5 Quality Star rating for OneAnswer Personal Super & Pension and OneAnswer Frontier Personal Super 4

5 What are the some of the features of OneAnswer? OneAnswer provides you with a wide range of features designed to help your financial adviser tailor a solution that is suited to your financial goals. Comprehensive choice of investment options Investment managers who are considered sector specialists Leading insurance solutions Convenient ways to grow and manage your investments Borrow to invest with access to ANZ Margin Lending OneAnswer Exceptional online tools to track and manage your investments Access to regular updates and educational material to help grow your investment Exclusive InvestorBenefits membership At-Call access to your pension through ATMs OneAnswer allows you and your financial adviser to manage your investments by offering: Products to help you create your future whether you want to generate capital growth and income from your investment, accumulate your superannuation savings or transition and enjoy your retirement Choice and flexibility through an extensive choice of carefully selected investment funds including a range of ANZ term deposits and cash options Transparent fees provide flexibility for you and your adviser on how, when and the amount you will pay for your financial advice Convenience and control through extensive services, including consolidated reporting and account management. 5

6 A comprehensive choice of investment options When you invest with OnePath, you can be confident you re accessing world leading investments, handpicked by experts and backed by the strength of ANZ. OneAnswer s investment menu provides a wide range of options, enabling you to diversify and gain exposure to different asset classes, fund managers and styles all via one convenient administration solution. We make investing easy with a mix of investment options that include: More than 80 investment funds including OnePath funds, managed by five specialist managers with a proven history and a record of strong performance across all asset classes OptiMix Manage the Managers (MTM) investment funds combining a number of carefully selected investment managers in one investment portfolio, providing a convenient way to diversify across investment managers OnePath Diversified Multi Manager funds designed for investors who believe that consistent returns can be achieved by combining selected investment managers with market benchmark based investments ANZ s flexible cash options offering you a range of term deposits and cash options, from one of Australia s largest banks. The specialist managers available in OneAnswer are strong, reputable brands that are well supported in the marketplace, and are subject to regular, rigorous review to ensure they meet the needs of our investors. 6

7 Leading insurance solutions There are three types of insurance cover available through the OneAnswer Personal Super account that give you the ability to pay for your premiums through your superannuation in a tax effective manner. Basic insurance cover upon joining OneAnswer Personal Super you may be eligible to receive a basic level of Death and Total and Permanent Disablement (TPD) insurance cover (determined by your age). Customised insurance cover if you require tailored Death Only or additional Death and TPD insurance cover, you can apply for customised insurance cover through OneAnswer Personal Super. Insurance cover through OneCare Super cover may also be arranged through OnePath s OneCare Super offering with your insurance premiums deducted from your Personal Super account. As your circumstances change, OneAnswer offers the flexibility to adjust your insurance cover. You can apply for an increase in your existing cover (Death Only Cover or Death and TPD Cover) up to a specific amount without underwriting when specific life events occur*. You may also request that we automatically increase your insurance cover each year in line with inflation*. Our insurance awards include: AFR Smart Investor Blue Ribbon Awards - Income Protection Product of the Year Money Management - Risk Company of the Year CANSTAR Outstanding Value for Life Insurance Award The Heron Partnership - Top 10 Insurance Features for OneAnswer Frontier Personal Super *Not available with Basic insurance cover. 7

8 Convenient ways to grow and manage your investments Multiple ways to invest investments can be made anytime using BPAY or internet banking by direct debit from your bank account. Regular Investment Plan our direct debit option means you can contribute regularly to your Personal Super or Investment Portfolio account and watch it grow. Flexible contribution types as well as accepting compulsory Superannuation Guarantee contributions from your employer, we also accept voluntary contributions from you, your spouse or your employer. We even accept transfers of superannuation amounts that you may hold overseas. Flexible distribution options OneAnswer Investment Portfolio the distributions received from investments in your OneAnswer Investment Portfolio can be reinvested in additional units or paid into your bank or financial institution account, the choice is yours. Easy switching options One off switching conveniently switch online between investment funds as your financial objectives change over time. Dollar Cost Averaging Plan manage and spread the risk of your investment by establishing a Dollar Cost Averaging Plan to switch a set amount on a regular basis into selected investment funds over time. Auto-rebalance set up an automated facility to rebalance your investment fund allocation to ensure it matches your nominated investment profile. Registered to BPAY Pty Ltd ABN Your financial adviser can help you decide how to best invest your funds and create a long term financial plan. 8

9 View and manage your account online As a client of OneAnswer, you will be automatically registered for a My OnePath online account. My OnePath helps you securely manage and track your investments online and allows you to: View your account balance and transaction history Switch between investment funds Make additional contributions Update your account details including pension payments Update your personal and contact details Commence, stop or change your regular investment or draw down plans Access exclusive InvestorBenefits. For your convenience, you can also authorise your financial adviser to manage your account on your behalf. However, you will still be responsible for authorising any withdrawals from, or changes to, your nominated bank account. 9

10 from 1 July Australian residents. Taxable income Tax on this income 0 - $18,200 Nil RETIREMENT Investor information We like to keep our investors up to date with the latest information through regular statements, newsletters, online market updates and educational tools. Investment statements To help you keep track of your investments, Personal Super and Pension clients receive an easy to read consolidated Annual Statement. Investment Portfolio clients receive quarterly statements and an annual Consolidated Tax Statement. Newsletters As a OneAnswer investor you will receive Investor Update. This newsletter contains product updates and topical information on market activities and how they are impacting your investment. We also send more frequent electronic newsletters to customers who provide us with their address. You can provide your address or update your details at My OnePath or by calling weekdays between 8.30am and 6.30pm (AEST). Online market updates Keep up to date with what s going on in the market by visiting onepath.com.au/markets Here you will find market updates, insights into global market performance and commentary from industry experts. You will also find current prices and performance information on your investments. Educational tools OneAnswer also offers a range of educational materials, interactive calculators and communication tools to assist you. This includes online tutorials and our education material including investment, super and retirement guides. We also have detailed online tips, tools and strategies for all of our products, as well as an Understanding the Basics section which guides you through the important aspects of investments. Learn more at onepath.com.au/personal. Investor Update OneAnswer SUPERANNUATION Investor Update What is new or changed Transaction cost factors (buy/sell spreads) for OneAnswer Personal Super, Masthead OneAnswer subtitle Pension, to go OneAnswer here. Masthead Frontier subtitle Personal to go Super, here. OneAnswer Masthead Frontier subtitle Pension to and go OneAnswer here. Masthead Term subtitle Allocated to go Pension here. for the period 1 July 2010 to 30 June 2011 Helping you shape and protect your future Transaction cost factors are paid by you when you transact and include brokerage, stamp duty and costs incurred when buying and selling units in the underlying investments. They do not represent fees payable to OnePath Australia and can be updated at anytime. Economic insights the road ahead The latest transaction cost factors can be found at > Resources > Fund performance, or by calling Customer Services on The transaction costs (buy/sell spreads) for the following funds have increased: Credit Suisse International Shares (effective November 2008) Credit Suisse Syndicated Loan (effective June 2009) UBS Balanced (effective April 2009) UBS Defensive (effective April 2009) UBS Diversified Fixed Income (effective April 2009). The table below outlines the increases: Investment fund New buy/sell spread % Credit Suisse International Shares Previous buy/ sell spread % 0.50/ /0.18 Credit Suisse Syndicated Loan 1.00/ /0.00 UBS Balanced 0.20/ /0.15 UBS Defensive 0.15/ /0.10 UBS Diversified Fixed Income 0.05/ /0.05 Fee information BlackRock fee increases BlackRock Monthly Income Effective 26 October 2009, the Ongoing Fee for BlackRock Monthly Income will be increasing by 0.04% p.a. OneAnswer Personal Super and OneAnswer Pension members (including members of the OneAnswer //Select products) invested in this fund are affected. BlackRock Balanced Effective 26 October 2009, the Ongoing Fee for BlackRock Balanced will be increasing by 0.10% p.a. OneAnswer Personal Super and OneAnswer Pension members (including members of the OneAnswer //Select products) invested in this fund are affected. InvestorUpdate Inside Investor Update OnePath we re going your way Economic insights the road ahead Hot topic the Aussie dollar A savings path for the future INVESTMENT January 2011 Federal Budget 2012/13 What does it mean for you? Salary sacrifice Sacrificing some of your salary into superannuation can be a tax effective way to achieve financial freedom in retirement. What is salary sacrifice into superannuation? Salary sacrifice is an arrangement between you and your employer where you agree to forgo part of your before-tax salary in return for your employer making super contributions of the same value. What are the benefits? These proposed changes require legislation to successfully pass through Parliament before becoming effective. It is important for you to seek professional financial advice in relation to the impact they may have on your personal financial situation. Superannuation Salary sacrificing into super can also have the added benefit of reducing the income tax you pay and increasing the level of your retirement savings. This is because the sacrificed portion goes directly into super and is taxed at a maximum rate of 15% contributions tax instead of your marginal rate. Who can salary sacrifice? Whether salary sacrifice is right for you will depend on your personal circumstances and income level. Generally speaking, if having a more comfortable retirement is your goal and your marginal income tax rate is 30% or higher, salary sacrifice may be a tax effective way to save for your retirement. If you are able to contribute more towards your retirement now, salary sacrifice may make good financial sense. Deferral of higher concessional contribution caps for individuals aged 50 and over This financial year for individuals aged 50 and over it is possible to contribute up to $50,000 of concessional contributions to superannuation. This means that these contributions are taxed inside super at concessional rates rather than your Marginal Tax Rate of up to 45%. This limit falls to $25,000 from 1 July In 2012/13 and 2013/14 all individuals will have a concessional contributions cap of $25,000. The Government had proposed that under the higher concessional contributions cap measure, individuals aged 50 years or older with superannuation balances below $500,000 would be able to make up to $25,000 additional concessional contributions over and above the general concessional contributions cap ($25,000) for 2012/13. This proposed higher concessional contributions cap has been pushed out to 1 July If you are over the age of 50, have salary sacrifice or transition to retirement arrangements in place and/or claiming a deduction for super contributions you should review your concessional contribution levels. What are the limits relating to salary sacrifice? While there are many factors that determine the appropriate amount of salary sacrifice for you, one of the main considerations is the concessional contributions cap. Contribution caps limit how much you can contribute to your super before additional tax is charged. Concessional contributions include, but are not limited to, salary sacrifice contributions or deductible contributions, superannuation guarantee and other employer contributions. The salary sacrifice strategy is generally of most benefit where you are paying less tax when contributing to super than your marginal income tax rate (up to 46.5%). Therefore, exceeding the concessional contributions cap may not be beneficial to your investment strategy. The concessional contributions cap, applicable on a financial year basis, is $25,000 for 2010/2011. A transitional cap of $50,000 applies until 30 June 2012 for people aged 50 or over (as at 30 June of the relevant financial year). Amounts exceeding the concessional contributions cap are taxed at 31.5% (in addition to the 15% contributions tax) and count towards your non-concessional contribution cap. Increased tax on concessional superannuation contributions where annual income exceeds $300,000 It is proposed from 1 July 2012 that individuals with incomes greater than $300,000 will have their concessional contributions taxed at 30% (increased from 15%, excluding the Medicare levy). The increased tax will not apply to concessional contributions exceeding the concessional contribution cap. These are already subject to the 15% contributions tax plus the 31.5% excess contributions tax rate. Example: You have an income of $320,000, of which $25,000 are concessional contributions. Given $20,000 of the $25,000 concessional contributions have resulted in income exceeding the $300,000 threshold, $20,000 will be subject to the reduced tax concessions and taxed at 30%. Low Income Superannuation Contribution You should also consider what age you intend on retiring and accessing your super. If you are under 60 years of age, you may pay tax on withdrawing a portion of your benefit. For further information on the concessional contributions cap, please consult your financial adviser or visit ato.gov.au What are the rules? Issued 9 May Date 2012 On 8 May 2012 Treasurer Wayne Swan delivered his fifth Federal Budget saying that it deals with today s challenges and builds the foundations for the future. Insurance through super Fact Sheet Purchase insurance through your super and gain a tax benefit. Insurance through super Purchasing Life Insurance, Income Protection, and Total and Permanent Disability (TPD) insurance through super may be a tax effective and also provide you with peace of mind. This strategy involves purchasing your insurance through your super account and using your contributions or existing balance to pay for insurance premiums. This is instead of having a life insurance policy outside super where you would have to use after-tax income to pay for the premiums. The tax concessions and benefits of super contributions can be used to fund your insurance premiums in a more tax effective manner. What s in it for me? In some cases you can effectively pay premiums from your pre-tax income. Premiums via group super plans are often cheaper because the super fund is buying the insurance in bulk. Your qualifying dependants can receive tax-free lump sum payments if you, the insured, pass away. You may be able to obtain cover without having a medical examination. You may qualify for a government co-contribution if you fund the cover by making after-tax contributions. You may be able to top up your stand-alone insurance policies (those you hold outside super) using the savings. Most importantly, you and your family will be looked after if the unexpected occurred. Tax free income on earnings from assets supporting an income stream. Tax free income stream payments to members aged 60 or over, dependants aged 60 or over, or under if the member died age 60 or over. 15% tax offset on taxable components for members under age 60 for disability/death income streams. The legislated Low Income Superannuation Contribution will apply from 1 July The measure ensures that workers with up to $37,000 in income will receive a superannuation boost from the Government of up to $500. Superannuation Guarantee increases The Government reinstated its commitment to increase the legislated Superannuation Guarantee rate (SG) progressively Salary sacrifice arrangements must be a formal agreement between you and your employer. The salary sacrifice agreement must be made before the start of the period of service to which the salary sacrifice relates e.g. you can t backdate. Salary sacrifice contributions to super will be deducted from your salary before income tax is calculated and are taxed at a maximum rate of 15% superannuation contributions tax in the fund. For the purpose of superannuation and tax law, salary sacrifice contributions are considered to be employer contributions. The current SG rate of 9% will continue to apply in 2012/13, increase to 9.25% in 2013/14 and will increase to 12% by 2019/20. Taxation Who can this strategy work for? SUPERANNUATION February 2012 Several previously announced proposals have been abandoned including: the standard tax deduction increase to $1,000 (from $500) for work related expenses the 50% discount for interest income from 1 July 2013 lowering the company tax rate from 30% to 29% from July 2012 for small business companies and from 1 July 2013 for other companies. Insurance through super is suitable if you: want to save tax and pay premiums from your pre-tax income want your qualifying dependants to receive tax-free lump sums if you pass away, or have restricted cash flow and want to use your accumulated super balance to pay for premiums. There may be additional tax on benefits paid out from super, additional complexities with certain types of cover and potentially reduced retirement funding due to the contributions being used to pay premiums rather than invested. It is important to seek financial advice to ensure this strategy is right for you. Is there a downside to salary sacrificing? It is not compulsory for your employer to offer salary sacrifice. Your employer may decrease your superannuation guarantee (SG) contributions because salary sacrifice contributions are considered to be employer contributions which count for SG purposes. This could reduce some of the benefits gained by salary sacrificing. Once you put money into superannuation it is preserved, this means that it generally must remain there until you retire, on or after your preservation age or you reach age 65. Your employer may place a limit on the level of your salary that can be sacrificed to superannuation. Salary sacrifice contributions count as a measure of income for many Government benefits and concessions. Individual income tax rates The following tax rates for apply from 1 July 2012 for How does it work? Insurance cover is provided through an insurance policy which is issued by a life insurance company. The trustee of the super fund is the owner of the insurance policy and therefore claims are paid into the super fund. Depending on your circumstances, you can purchase insurance through a super fund with: your existing super savings super contributions, such as: your employer s Super Guarantee contributions personal tax deductible contributions (if you meet the rules) personal after-tax contributions contributions made by your spouse salary sacrifice contributions using your pre-tax income. $18,201 - $37,000 19c for each $1 over $18,200 $37,001 - $80,000 $3,572 plus 32.5c for each $1 over $37,000 $80,001 - $180,000 $17,547 plus 37c for each $1 over $80,000 $180,001 and over $54,547 plus 45c for each $1 over $180,000 Mature age worker tax offset phased out The mature age worker tax offset (MAWTO), currently $500, is proposed to be abolished from 1 July 2012 for taxpayers born on or after 1 July SUPERANNUATION Fact sheet Transition to retirement 10

11 Exclusive InvestorBenefits membership Your banking, health, lifestyle and entertainment benefits package Benefit from your membership today, while you re saving for tomorrow via OnePath s InvestorBenefits program. InvestorBenefits gives you access to discounts and special offers on health insurance, travel, adventure and leisure experiences, car hire and a variety of retail products from our partners. In addition, you also have access to a range of banking and financial products through ANZ. Redeeming an offer can be as simple as downloading a voucher, or quoting a unique number at the time of purchase. For a complete list of current InvestorBenefits partners and offers as well as terms and conditions visit onepath.com.au > My OnePath, login, then click on My Rewards. 11

12 Customer Services Phone weekdays between 8.30am and 6.30pm (AEST) Fax Address OneAnswer GPO Box 5306 Sydney NSW Kent Street Sydney NSW 2000 OnePath Funds Management Limited ABN AFSL OnePath Custodians Pty Limited ABN AFSL RSE L OneAnswer Personal Super and OneAnswer Pension are products offered by the OnePath MasterFund (ABN , RSE R ) (Fund). When you invest in one of these products, you become a member of the Fund. OnePath Custodians Pty Limited (ABN , AFSL ) is the issuer of OneAnswer Personal Super and OneAnswer Pension and is the trustee of the Fund. OnePath Funds Management Limited (ABN , AFSL ) is the issuer of OneAnswer Investment Portfolio. This information is current at April 2012 but may be subject to change. Updated information will be available free of charge by contacting The information provided in this document is of a general nature and does not take into account your personal needs, financial circumstances or objectives. Before acting on this information, an investor should consider the appropriateness of the information, having regard to their needs, financial circumstances and objectives. An investor should read the relevant PDS available at onepath.com.au and consider whether that particular product is right for them before making a decision to acquire or continue to hold the product. The information in this document has been prepared as a guide only and does not represent taxation advice. Please see your tax adviser for independent advice taking into account your individual circumstances. L5882/0412 onepath.com.au

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