Your guide to the Plan B Superannuation Fund transfer. February 2014

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1 Your guide to the Plan B Superannuation Fund transfer February 2014

2 The terms our, we, us refer to IOOF Investment Management Limited as the Trustee of the Plan B Superannuation Fund and the IOOF Portfolio Service Superannuation Fund.

3 Plan B Your guide to the Plan B Superannuation Fund transfer Your guide to the Plan B Superannuation Fund transfer At IOOF, we have been helping Australians secure their financial future since We began as a friendly society providing social security support to our members. Over the past 165 years, we have evolved into a leading fund manager and administrator while maintaining a strong community focus. Today we are: an Australian-owned company servicing over 600,000 clients an ASX 200 listed company trusted with over $124 billion in funds under management, administration, advice and supervision a strong supporter of the Australian community through our IOOF Foundation. Our reputation is built on the specialist knowledge and expertise of our people. We take a holistic approach in offering a full range of investment and superannuation services to suit the needs, goals and life stages of each of our investors. We believe that dealing with a financial services company shouldn t be hard work. It strives to make any interaction you have with it easy and straightforward. IOOF s goal is to deliver a range of products that are able to meet your needs both now and in the future. We have undertaken a comprehensive internal review and determined that it is in the best interests of our members to transfer them from the Plan B Superannuation Fund into IOOF Pursuit Select (Pursuit) which is part of the IOOF Portfolio Service Superannuation Fund. Why are we transferring your account to Pursuit? As Trustee, IOOF Investment Management Limited (IIML), is confident that you will find the features and benefits of Pursuit are better, in many aspects, than those offered by the Plan B Superannuation Fund. By transferring your account to Pursuit, IIML will be able to more efficiently administer your superannuation and deliver improved features to you. The Responsible Entity of the underlying funds in which the Plan B Superannuation Fund invests (collectively underlying funds or investment options ), has decided to wind up these investment options effective 28 March As a result, we have sought the most suitable investment alternatives, either an equivalent or similar option that you will be invested into on transfer to Pursuit. Please refer to the section Investment options on page 3 for further information. New features and benefits As a member of Pursuit, you will now have access to a range of new features and benefits, including: A wider investment menu Pursuit offers: A comprehensive range of managed investments across all asset classes and styles including managed investments from leading fund managers, generally at wholesale prices. Access to the majority of listed investment in the S&P/ASX 300 Index plus other listed investments approved by the Trustee from time to time, as well as Term deposits. This wider investment menu gives you even greater ability to construct a portfolio that meets your investment goals. A more robust administration system the Pursuit administration system is a flexible system that offers additional product features, such as a wider investment menu, with greater capacity for future enhancement. How will the transfer occur? The transfer will be a successor fund transfer in accordance with the relevant regulatory requirements. This means that the Trustee is satisfied that the member rights, in respect of benefits in Pursuit, are at least equivalent to those currently offered in the Plan B Superannuation Fund. The Trustee has also determined that the transfer will be in the best interests of members as a whole. Important dates The transfer is scheduled to take place on Friday 28 March Before, during and after the transfer, there are some measures we need to take to ensure it is as seamless as possible, including the temporary transaction suspension referred to on the following page. 1

4 Temporary transaction suspension All withdrawals, asset transactions and switch instructions will be temporarily suspended from 5:00pm, Friday 17 March 2014 until the transfer has been completed, which we anticipate will be around Friday 4 April Contributions received during this period will be processed to your new Pursuit account after the end of the temporary suspension period and invested according to your investment instructions. What communications will you receive as a result of the transfer? Exit Statement on completion of the transfer, you will receive a Member Termination Statement from the Plan B Superannuation Fund for the period 1 July 2013 to 28 March It is important you keep the Member Termination Statement for your records as your Member Benefit Statement for the 2013/14 financial year will only reflect transactions for your new Pursuit account effective from Friday 28 March Statement of Membership you will receive on the establishment of your Pursuit account, your Statement of Membership confirming your new account, investment instructions and your IOOF Customer Reference Number (CRN) for any future Bpay contributions. What won t change after the transfer? There will be no change to: your binding death benefit nominations your non-binding death benefit nominations your reversionary pension nomination the amount of insurance cover you hold (excluding insurance cover held in retail policies) the adviser fee amount that you agreed with your adviser for their services. Whilst Pursuit gives your adviser the flexibility to charge a variety of different member advice fees please note that no changes to your current fee arrangements will be made unless agreed by you. What will change after the transfer? Death benefits Within your current product, if you have not made a death benefit nomination (binding or non-binding), the Trustee will decide which of your dependent(s) will receive the death benefit. Within Pursuit, if you do not make a nomination, the Trustee will pay the death benefit to your estate. Also within Pursuit, if you don t renew your binding nomination within the three year period and it expires, the nomination is treated as a non-binding nomination (until you submit a new binding nomination). New account details Once the transfer is complete, you will be issued with a new Pursuit account number via your Statement of Membership. Cheque details Contributions remitted by cheque should be made payable to IPS IOOF Pursuit [your full name or account number] and submitted with contribution remittance instructions. Bpay details Within Pursuit you have have the option to make contributions using Bpay. Bpay details including your CRN and biller codes will be provided to you shortly in your Statement of Membership. Electronic funds transfer contributions (EFT) Please note that Pursuit does not offer an EFT contribution facility. As a result, you will need to switch to Bpay to make any electronic contributions in future. You will also need to provide your Bpay details to anyone who currently makes EFT contributions on your behalf (such as your employer). Registered to Bpay Ltd ABN

5 Plan B Your guide to the Plan B Superannuation Fund transfer Online access Within the Statement of Membership from Pursuit you will be given details about how to access your new online system Portfolio Online. Portfolio Online provides a range of transaction and performance details about your account including: Member summary view your insurance, superannuation and pension details (if applicable). Information/transaction history view all post-transfer transactions including deposits/ contributions, payments/withdrawals and investment earnings. Investment options Pursuit offers a broad range of investment options which have been chosen to meet the needs of members. The investment selections available to you in Pursuit are outlined in the investment menu, that is available at Upon transfer to Pursuit, you will be invested into an investment option that is considered either equivalent or similar to your investment in the Plan B Superannuation Fund based upon risk and return profile and asset allocation. Electronic communications Through Portfolio Online you can choose to receive any or all of the following communications from the Trustee electronically: Your annual statement. Confirmation of transactions which are required by law to be confirmed. Notice of any change or event required by law to be given to members. All communications other than those points listed immediately above. 3

6 The following investment map outlines the existing investment options in the Plan B Superannuation Fund and the equivalent or similar investment options in Pursuit which you will hold after the transfer. If your current investment options(s) are not shown below then those investments will be transferred accross to your new Pursuit account. Current investment Cash and Fixed Interest To invest in a diversified portfolio of cash, government and corporate bonds and other fixed income securities suitable for investors with funds that are surplus to daily needs and available for short to medium term commitments. The performance benchmark for Cash and Fixed Interest is the UBSWA 90 Day Bank Bill Index. 90 days or more. Suitable for investors seeking a competitive and steady income. Cash and Fixed Interest: 100% Low New investment Profile Diversified Fixed Interest (50%) To provide a gross return similar to that achieved by investing in domestic and global money market and fixed income securities, generally with maturities of 5 years or less. 3 years. Suitable for investors seeking long term capital growth with a reliable and steady level of income. High-credit quality domestic and global fixed interest, hedged to the Australian dollar. Low IOOF Cash Management Trust (Class D) 50% To provide investors with a stable investment and regular income by investing in a range of cash deposits and shortterm money market securities. The Trust aims to provide competitive returns for investors with a total investment return(before fees) that exceeds or is at least equal to the UBSA Bank Bill Index. No minimum. May be suitable for investors seeking a low risk stable investment who require regular income over the short to medium-term and who require ready access to their funds. Asset class and target asset allocation: Cash and short term securities: 100% Low 4

7 Plan B Your guide to the Plan B Superannuation Fund transfer Current investment Conservative To generate consistent returns from a diversified portfolio with special focus on defensive or income assets. The portfolio has a strategic target of no more than 35% equity exposure. Achievement of a gross return at least equal to the weighted average of the applicable benchmark return for each of the component asset classes over periods greater than one year. 3 years. Suitable for investors seeking both income and capital growth through a well-diversified portfolio. Cash: 42% Diversified Fixed Interest: 23% Australian Shares: 23% International Shares: 12% Medium Balanced To generate long-term capital growth accompanied by a reasonable level of income from a diversified portfolio, with roughly equal weighting for income and growth assets. The portfolio has a strategic target of no more than 55% equity exposure. Achievement of a gross return at least equal to the weighted average of the applicable benchmark return for each of the component asset classes over periods greater than one year. 4 years. Suitable for investors seeking long-term capital growth with some income. Cash: 20% Diversified Fixed Interest: 25% Australian Shares: 35% International Shares: 20% Medium to High New investment IOOF MultiMix Conservative Trust To provide stable returns over the medium term by investing in a diversified portfolio of defensive assets with some growth asset exposure, and to achieve a total return after fees in excess of the Trust s benchmark over a rolling 3 year period. 3-5 years. Suitable for investors seeking with an investment horizon of 3 to 5 years, with a low to medium level of risk tolerance, who are seeking a diversified portfolio of predominantly income producing assets with some growth asset exposure. Asset class and target asset allocation: Cash and short term securities: 23% Diversified fixed interest: 42% Property: 10% Australian shares: 11% International shares: 9% Low to medium Profile 55 To generate long-term capital growth accompanied by a reasonable level of income from a diversified portfolio with a slight bias towards income and growth assets. 4 years. Suitable for investors seeking long-term capital growth with some income. Cash: 20% Diversified Fixed Interest: 25% Australian Shares: 35% International Shares: 20% Medium to High 5

8 Current investment Growth To provide investors with good prospects for maximising capital growth over the long-term with little emphasis on the level of income from a diversified portfolio with a significant bias to growth asset classes such as Australian and international shares and property. The portfolio has a strategic target of no more than 75% equity exposure. Achievement of a gross return at least equal to the weighted average of the applicable benchmark return for each of the component asset classes over periods greater than one year. 5 years. Suitable for investors seeking long-term capital growth with little emphasis on the level of income. Cash: 6% Diversified Fixed Interest: 19% Australian Shares: 42% International Shares: 33% High High Growth To provide investors with good prospects for maximising capital growth over the long-term with no emphasis on the level of income from a diversified portfolio with a very strong bias to growth asset classes. The portfolio has a strategic target of 95% equity exposure. Achievement of a gross return at least equal to the weighted average of the applicable benchmark return for each of the component asset classes over periods greater than one year. 7 years. Suitable for investors seeking long-term capital growth with no emphasis on the level of income. Cash: 0.3% Diversified Fixed Interest: 4.7% Australian Shares: 40% International Shares: 55% High New investment Profile 75 To provide investors with good prospects for maximising capital growth over the long-term with little emphasis on the level of income from a diversified portfolio with a significant bias to growth asset classes such as Australian and international shares and property. 5 years. Suitable for investors seeking long-term capital growth with some income. Cash: 6% Diversified Fixed Interest: 19% Australian Shares: 42% International Shares: 33% High Profile 95 To provide investors with good prospects for maximising capital growth over the long-term with no emphasis on the level of income, from a diversified portfolio with a very strong bias to growth assets. 7 years. Suitable for investors seeking long-term capital growth with some income. Cash: 0.3% Diversified Fixed Interest: 4.7% Australian Shares: 40% International Shares: 55% High 6

9 Plan B Your guide to the Plan B Superannuation Fund transfer Current investment Australian Shares To provide exposure to a diversified portfolio of Australian shares. The performance benchmark for Australian shares is the S&P/ASX 300 Accumulation Index. 7 years. Suitable for investors seeking long-term capital growth, some income with a higher tolerance for the risks associated with share market volatility. Cash: 5% Australian Shares: 95% High SuperSure : To provide a competitive income return from cash and short-dated interest bearing securities. No minimum. Suitable for investors seeking a competitive and steady income. Asset class and target asset allocation: Cash: 100% Very Low New investment Profile Australian Shares To achieve long-term capital growth through structured exposure to listed Australian equities. 7 years. Suitable for investors seeking long-term capital growth, some income with a higher tolerance for the risks associated with share market volatility. Listed shares of Australian companies High IOOF Cash Management Trust (Class D) : To provide investors with a stable investment and regular income by investing in a range of cash deposits and shortterm money market securities. The Trust aims to provide competitive returns for investors with a total investment return (before fees) that exceeds or is at least equal to the UBSA Bank Bill Index. No minimum. May be suitable for investors seeking a low risk stable investment who require regular income over the short to medium-term and who require ready access to their funds. Asset class and target asset allocation: Cash and short term securities: 100% Low 7

10 Indirect Cost Ratios The table below shows you the ICR for your current investment option and the ICR for your new investment option. Current investment option ICR % pa New investment option ICR^ % pa Administration Fee % pa** Cash and Fixed Interest 1.39 Profile Diversified Fixed Interest (50%) IOOF Cash Management Trust [Class D] (50%) 0.82 Up to Up to 1.79 Conservative 2.38 IOOF MultiMix Conservative Trust* 0.85 Up to 1.79 Balanced 2.40 Profile Up to 1.79 Growth 2.42 Profile Up to 1.79 High Growth 2.44 Profile Up to 1.79 Australian Shares 2.38 Profile Australian Shares 0.77 Up to 1.79 SuperSure 1.23 IOOF Cash Management Trust [Class D] 0.30 Up to 1.79 * Includes a performance based fee (ICR excluding performance fee is 0.73%) ^ It is a reasonable estimate only ** Discounts have been applied, where necessary, to ensure that the fees you pay in Pursuit are equivalent, or near to equivalent to those payable by you in the Plan B Superannuation Fund. Note: 1. The ICRs are reasonable estimates only. The ICRs are as at 31 December 2013 except for the IOOF MultiMix Conservative Trust and the IOOF Cash Management Trust (Class D) which are current as at 30 June The ICRs for the funds you are invested in within the Plan B Superannuation Fund, include both the investment cost and the administration fee. Once the transfer is complete you will be able to switch to other investment options on the menu. 8

11 Plan B Your guide to the Plan B Superannuation Fund transfer Insurance premiums Your existing TAL Group Insurance in the Plan B Superannuation Fund will continue when you move to Pursuit. You ll still be able to apply to increase or decrease your TAL Group Insurance at any time. Premiums will be deducted monthly in arrears. The first premium will be deducted as soon as practicable after the transfer is completed for the period to the end of April. Premiums will then continue to be deducted monthly in arrears. Fees Pursuit provides a market competitive fee structure. The ways fees are paid in the Plan B Superannuation Fund is different to the way fees are paid in Pursuit. Currently, in the Plan B Superannuation Fund the administration fee and the investment management fee are combined and deducted from the unit price of the fund in which you are invested. This means that the unit price includes the administration fee and investment management fee. In Pursuit, the administration fee is deducted separately from your Cash Account. As a result, you will notice all administration fees applicable to your account post transfer will be shown separately and transacted through your Cash Account. The change in the way the fees are calculated will impact members differently depending on which investment option you are invested in however, for some members this may result in a reduction in fees. For a small amount of clients there may be an increase in fees. The following table provides details of the fees payable in Plan B Superannuation Fund and Pursuit. Type of Fee or Cost Amount Plan B Superannuation Fund Pursuit Investment Fee Nil Nil Contribution Fee Administration Fee Switching Fee Cash and Fixed Interest nil Conservative 2.05% All other strategies 3.08% Cash account 1.23% pa Member Fee Personal Superannuation: $36 pa Account based pension: Nil If you switch from one of our strategies which has a lower contribution fee to another strategy which has a higher contribution fee, then you will need to pay an investment switching fee which will be the difference between the two contribution fees. Nil Up to 1.79% pa* Minimum Administration Fee is $5 per month ($60 pa). Calculated daily on your account balance. It is charged monthly in arrears and deducted from your Cash Account at the beginning of each month. Nil Exit Fee $75 Nil 9

12 Type of Fee or Cost Amount Advice Fees Listed Security Administration Fee Indirect Cost Ratio (ICR)** Other fees Plan B Superannuation Fund Implementation Fee Ongoing Service Fee No fee is charged unless you instruct us to do so. Not applicable The ICR is estimated to be between 1.39% 2.44% pa of your account balance, depending on the investment option chosen. Pursuit A range of advice fees are available: Member Advice Fee Upfront Member Advice Fee Ongoing Member Advice Fee One-Off Member Advice Fee Insurance Member Advice Fee Licensee Member Advice Fee Transaction No fee is charged unless you instruct us to do so. $5 per month. Calculated daily. It is charged monthly in arrears and deducted at the beginning of each month. This fee is only applicable if you opt in to investing in listed investments The ICR is estimated to be between 0.18% 2.74% pa of your account balance, depending on the investment option chosen. Brokerage Not applicable $45.66 applies to each order to buy or sell a listed security. * You may receive a discounted administration fee on this amount. Where necessary, a discount has been applied to ensure that the fees you pay in Pursuit are equivalent, or near to equivalent to those payable by you in the Plan B Superannuation Fund. The details of the actual fee you will pay in Pursuit is shown in the Covering letter that accompanies this flyer. ** Refer to the investment options table on page 8 for detail on the ICR applicable to your new investment option in Pursuit. 10

13 Plan B Your guide to the Plan B Superannuation Fund transfer Buy/sell spreads For the majority of investments we will be able to manage costs so that you do not incur any buy/sell spreads. However, for some investments this will be unavoidable. The following table shows the funds that will incur a buy/sell spread. Plan B Superannuation Fund Investment Pursuit Investment Sell spread % Buy spread % Conservative IOOF MulitMix Conservative Trust Fee examples The examples below show how fees compare, depending on your investment option and allocation for Plan B Superannuation Fund and Pursuit. Based on an account balance of $50,000 for a year: Growth Fund for the Plan B Superannuation Fund and Profile 65 for Pursuit. Plan B Superannuation Fund Pursuit Personal Superannuation (%pa) Plan B Account Based Pension (%pa) Pursuit Allocated Pension (%pa) ICR balanced investment option (%pa) PLUS Administration fee (%pa) Growth 2.420% Profile % Growth 2.420% Profile % 1.682% 1.610% PLUS Member fee $36 $0 $0 $0 Cost of product on $50,000 investment $1,246 $1,246 $1,210 $1,210 * Additional fees may apply Adviser fees Currently within the Plan B Superannuation Fund, your ongoing adviser fee is paid at the end of the month and is based on your account balance on the last day of the month. This will change in Pursuit where the ongoing adviser fee is accrued daily and paid at the beginning of each month in arrears. Your Cash Account Your Cash Account will continue to be used to process all cash transactions that occur within your account. Currently within the Plan B Superannuation Fund generally between one and five per cent of your account is held in the Cash Account. Your cash is held in a bank account with BankWest and interest is calculated daily and credited monthly. With the transfer, your Cash Account will change. The new cash minimum in Pursuit will be one per cent in Pursuit Personal Superannuation and three per cent in Pursuit Allocated Pension. Your Cash Account will be invested in a combination of an operating bank account (for dayto-day transactions) and in the IOOF/Perennial Cash and Income Fund. Any portion of the Cash Account which exceeds the required balance of the operating account from time to time will be invested in the IOOF/Perennial Cash and Income Fund. Any interest generated from your Cash Account is calculated daily and paid monthly. Please note: You may nominate a higher percentage than the minimum to be maintained in your Cash Account. However you will no longer be able to specify a dollar amount to be maintained in addition to your Cash Account minimum. 11

14 Keeping your cash topped up As with the Plan B Superannuation Fund, when your cash balance is below the minimum requirement in Pursuit, assets will be sold to restore the balance to the minimum. See below for more details on how this will change after the transfer. How often your Cash Account balance is checked Plan B Superannuation Fund Daily Pursuit Weekly When assets are sold When balance is below one per cent. When the balance is likely to fall below zero within the next seven days. Sell down strategy Assets are sold according to profile specified in your application form. You are able to select from three options: 1 Investment option with the highest balance (default option) 2 Pecking order where funds are redeemed according to your prioritised list 3 Pro-rata option funds are redeemed across all managed investments according to the proportion invested in each. Please note: The sell down strategy you have in place in the Plan B Superannuation Fund will continue after the transfer. However, if you have no sell profile attached to your account, then the investment option with the highest balance will become your default and will be sold first. Minimum payment amounts There are differences in the minimum payment amount requirements. See below for more details. Product Plan B Superannuation Fund Pursuit Minimum payment amounts Minimum one off redemption No minimum. The lesser of $2,000 or account balance. Pension payments Minimum amounts for investment options and switching instructions Additional contributions (one-off) (Personal Superannuation only) Regular contribution plan (Personal Superannuation only) Pension payments Subject to Government minimum. Frequency: monthly, quarterly, half yearly, annually. Date: On (or before) the 15th day of the month. Nil. No minimum. No minimum Frequency: Monthly, quarterly, half yearly or yearly. Date: On (or after) the 5th day of the month. Pension payments Subject to Government minimum. Frequency: twice monthly, monthly, quarterly, half yearly, annually. Date: On the 28th day of the month, unless you select the twice-monthly option which is paid by the 14th and 28th day of each month. Managed investments $200 per managed investment. Term deposits $5,000 per term deposit. Direct Share Choice a minimum parcel of $2,000 is required per listed investment trade. $200 per contribution. $200 per frequency. Frequency: Monthly, quarterly or half yearly. Date: on (or nearest) the 28th day of the month. 12

15 Plan B Your guide to the Plan B Superannuation Fund transfer Pension payments Any pension payment will be processed as per normal in March However, the payment for April 2014 and onwards will be made by the 28th day of the month where a pension payment is due, unless you select the twice-monthly option in Pursuit which is paid by the 14th and 28th day of each month. Tax considerations There will be no Capital Gains Tax (CGT) incurred as a result of the transfer. The Fund will utilise asset and loss rollover relief such that any applicable capital gains and losses will be ignored, and any previously realised carry forward capital losses, will be carried across to Pursuit. No CGT will be crystalised in respect of the transfer. Pursuit calculates member capital gains and losses differently from your existing Plan B Superannuation Fund account. With Pursuit, capital losses are firstly applied against any capital gains made on direct investments held in your account. If you have excess capital losses these may be applied against other members capital gains and the cash benefit will be credited to your account. If your excess capital losses are not able to be used by other members of the Fund these can be carried forward in your account for use by the Fund in a future year. No tax file number (TFN) contributions tax If you have not provided your TFN to the Trustee of the Plan B Superannuation Fund you need to provide it to us before Monday 17 March Please note; if you do not confirm your TFN to us before Monday 17 March 2014 we are unable to provide you with a No-TFN credit. You MUST submit, and we must acknowledge receipt of the TFN notification. Otherwise, the fund will lose the ability to claim the No-TFN credit and this can no longer be passed on to your account. What is a TFN credit? While you are not required to provide your TFN to your super fund if you don t, then the super fund will charge you an extra 31.5 per cent tax on every taxable contribution. Once you have provided your TFN (which can usually be provided within 4 years) you can claim back the 31.5 per cent tax as a TFN credit, provided you have not moved into another fund. Due to the transfer you can only provide your TFN up to the date of the transfer if you wish to claim back the TFN credit. It cannot be claimed after that date. Claiming a tax deduction for personal superannuation contributions If you have made personal contributions to your current product, and are eligible to claim a personal tax deduction for those contributions, you can submit a notice of intent to claim a tax deduction (notice) in respect of these contributions after your benefits have transferred to Pursuit. Alternatively you can submit a notice prior to the transfer, but the notice must be received by Monday 17 March Notices are available from the forms section of 13

16 Manage your investment with Portfolio Online Portfolio Online is a valuable tool to help you and your adviser manage your investment with Pursuit. This secure, user friendly website gives you access to a range of current and historical transaction and performance details about your account, including: portfolio summary view the total value of your account account transactions view all your post transfer transactions including your contributions, withdrawals and income distributions account information view information about your investment instructions and other account features statements view current and post transfer annual statements online reports view your portfolio history, Cash Account statement, asset allocation and performance reports electronic communications view the Trustee s communications to members which you elect to receive electronically listed investments if you have chosen to invest in various listed investments available under Direct Share Choice, you or your financial adviser if you have one, must submit orders to buy or sell listed investments and other instructions using Portfolio Online. You must maintain your Portfolio Online registration for as long as you hold any listed investments under the Direct Share Choice. How to register for Portfolio Online You can register for Portfolio Online once you have received your account number, which you will receive in your Statement of Membership once the transfer is complete. Simply apply online by clicking on the login button on the homepage of the IOOF website ( and we will send you an allowing you to create your own password. 14

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20 Contact details Level 28 Central Park St Georges Terrace Perth WA 6000 PO Box 7008, Cloisters Square Perth WA 6850 t f e The IOOF Pursuit Select Personal Superannuation for Plan B and IOOF Pursuit Select Allocated Pension for Plan B are issued by IOOF Investment Management Limited ABN AFS Licence No (IIML) as the Trustee of the IOOF Portfolio Service Superannuation Fund ABN IIML is also the trustee of the Plan B Superannuation Fund ABN The information in this document is of a general nature and does not take into account the personal situation, needs or objectives of any particular member. You should consider the appropriateness of this information having regard to your personal circumstances. The information has been prepared in good faith, based on information believed to be accurate and reliable at the time of publication. A copy of the Product Disclosure Statement for each product is available at or by calling PLA-8070 VIOOF6160

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