Application Form and Rollover Form

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Application Form and Rollover Form"

Transcription

1 Super Division Application Form and Rollover Form Version 21, Issued 1 July 2016 EXCEPTIONAL BENEFITS! Only Water Corporation employees have access to our super fund. So join today and don t miss this window of opportunity to enjoy: 3 A significant benefit set up just for you 3 Super low fees 3 Solid long term performance 3 Unique insurances at highly competitive rates 3 2% pa extra contributions 3 Dedicated Super Team here in Perth

2 10 reasons to join our exclusive super club! In case you didn t know, the Water Corporation Superannuation Plan (the Plan) is an exclusive club. It s only open to Water Corporation employees, employees spouses and ex-employees. As an exclusive club, we take exceptional care of our members. That s why we ve developed a super fund that will make a difference to your life and your family s today and in the future. Take a look at what you ll receive from one of the best super funds around. If you like what you see, fill in the Application Form or call us on if you want help completing it. 1. Low fees + great rates = massive savings Our fees and insurance premiums are low and highly competitive. This translates to big savings for you and a nice boost to your account balance. 2. Solid long term performance The Plan s four investment options have consistently outperformed their benchmarks. When you combine strong long term performance with our low fees and insurance rates, guess what? You re on track to optimising your retirement wealth. 3. We top up your contributions As a special offer to Water Corporation employees, if you chip in 3% pa of your base salary, the Water Corporation will automatically contribute an extra 2% pa into your account 1. That s a total of 14.5% pa not a bad start to building up your nest egg. 4. Unique insurances Not only are our insurance rates extremely competitive, our insurance options are unique. You have access to four levels of Death Only and Death and Total and Permanent Disablement Insurance and six levels of Salary Continuance Insurance. We don t know of any other funds offering such superior cover at these premium rates. 5. Local Super Team Your friendly Super Team is located right here in Perth. So you ll always be speaking to the same people and receiving the same level of personal service. Your Super Team can answer your queries, help you complete forms and even certify copies for ID purposes. So, drop in and see us at the John Tonkin Water Centre. Alternatively, call us on Your spouse can join too Give your spouse s super a helping hand and have them join the Plan too. They have access to all the same terrific options as you, except for Salary Continuance Insurance. 7. Access to financial advice Research 2 shows that people who obtain financial advice are more likely to retire with more money and have adequate insurance cover. We re not licensed to give you personal financial advice, but we ve arranged for these services for you. Just call us on for details. 8. Discounted banking products This is a real bonus of being with the Plan! All members have access to discounted banking products, like home loans and credit card facilities through ME Bank. 9. Pension products You have a choice of two pension products one for a Transition to Retirement strategy and the other if you d prefer to fully retire. Both products have low fees and the same investment options as our Super Division. 10. You can stay with us if you leave If you decide to work elsewhere, but don t want to leave the Plan, you don t have to! Just ask your new employer to pay all contributions into the Plan. You ll still have access to all the Plan s options, apart from some insurance features. 1 Conditions apply. Check the PDS for details or call your Super Team. 2 Financial Services Council, The Future of Financial Advice - Getting The Balance Right.

3 Super Division Application Form Issued by Water Corporation Superannuation Plan Pty Ltd ABN: AFSL: RSE: L Version 21, Issued 1 July 2016 Who should complete this form? Water Corporation employees, employee spouses and employees with super in other funds wanting to join the Super Division. Completing the form: Please use black or blue pen and print in CAPITALS. Return completed form to: Payroll First things first... I am applying to join the Water Corporation Superannuation Plan s Super Division as a (select your membership type): Full Member (Complete s 1 4 and 7 and consider completing steps 5 6) Spouse Member (Complete s 1 4 and 7 and consider completing steps 5 6) Limited Member (Complete s 1 3 and 7 and consider completing steps 5 6) 1 Personal details (this section MUST be completed) Mr Mrs Miss Ms Other Date of Birth / / Male Female Surname First name(s) Street address Suburb or Town State Post code Telephone (daytime, including area code) Mobile address (optional) (This allows us to send you super information electronically and will only be used for this purpose) 2 Contributions If you d like to make extra contributions, specify the type and amount below. Remember, Water Corporation employees (excluding Limited Members and those on common law contracts) who contribute at least an extra 3% pa, can receive an extra 2% pa employer top-up. Please deduct from my next salary/wages and each subsequent pay period Full Members concessional (ie salary sacrifice) at $, or % AND/OR non-concessional (ie after-tax) at $, or % Limited Members concessional (ie salary sacrifice) at $, or % AND/OR non-concessional (ie after-tax) at $, or % Spouse Members non-concessional (ie after-tax) at $, or % If you d like to rollover money from your other super funds, please complete the attached Rollover Form and return it to us. Super Division Application Form Page 1 of 6

4 2 Contributions (cont d) Spouse Declaration (employee members to complete, if applicable) Employee Number Membership Number To start my spouse s super account, please (select one only): Deduct the amount as specified on the previous page via payroll deduction Find attached a cheque for $, Have my spouse s employer send contributions to his/her account directly. I declare and acknowledge that: The person nominated as a spouse on this Application Form meets the definition of spouse for contribution purposes, as described in the Product Disclosure Statement. If my spouse is between age 65 69, that he/she was gainfully employed for at least 40 hours over a period of 30 consecutive days in the financial year in which the contributions are being made. Employee name Employee signature Date / / 3 Investment choice You can invest in any number of the four investment options at a time. You also have the flexibility to invest your existing account balance and future contributions in different ways. Your percentage splits must be in whole numbers, total 100% and not have less than 5% in any one option. If you don t make an investment choice, your contributions will be invested as indicated in the Product Disclosure Statement. Investment Option % Share Option % Growth (MySuper) Option % Conservative Option % Cash Option % TOTAL % (MUST EQUAL 100%) 4 Insurance Full Members Please select your insurance cover and read the insurance section in the Product Disclosure Statement, for more information. Death Only Low (10% x Salary x Years and Complete Months to Age 65) Medium (15% x Salary x Years and Complete Months to Age 65) (default cover) High (20% x Salary x Years and Complete Months to Age 65) Superior (25% x Salary x Years and Complete Months to Age 65) Nil Death and Total and Permanent Disablement Low (10% x Salary x Years and Complete Months to Age 65) Medium (15% x Salary x Years and Complete Months to Age 65) (default cover) High (20% x Salary x Years and Complete Months to Age 65) Superior (25% x Salary x Years and Complete Months to Age 65) Nil Salary Continuance Standard A (default cover) Standard C Standard D (90 day wait / 2yr benefit) (60 day wait / 2yr benefit) (30 day wait / 2yr benefit) Top E Top F Top G Nil (90 day wait / benefit to age 65) (60 day wait / benefit to age 65) (30 day wait / benefit to age 65) Super Division Application Form Page 2 of 6

5 4 Insurance Spouse Members (Only complete this section if this is a Spouse Application) I d like to apply for Death Only or Death and Total and Permanent Disablement Insurance cover, for the following amount. I understand that I will need to provide medical evidence to the insurer before my application can be approved and that the Plan will send me the necessary documentation upon acceptance of this membership Application Form: Death Only $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 Nil Death and Total and Permanent Disablement $50,000 $100,000 $150,000 $200,000 $250,000 $300,000 Nil I am currently employed, working more than 15 hours per week and have been for the last six months I am not currently employed 5 Nominating a beneficiary You can nominate one or more beneficiaries to receive your super in the event of your death. Your beneficiaries must be eligible dependants or your legal personal representative (refer to the PDS for definitions) for payment purposes. While your nomination is not binding on the Trustee, if you ve made a nomination, the Trustee will take this into account when making a decision. If you leave no dependant or legal personal representative, the Trustee may pay your benefit to another individual(s). Please refer to the Product Disclosure Statement for more information about nominating a beneficiary. Beneficiary 1 Surname First name(s) Relationship to you spouse child sibling parent other relative my estate Date of birth / / % split Street address State Post code Beneficiary 2 Surname First name(s) Relationship to you spouse child sibling parent other relative my estate Date of birth / / % split Street address State Post code Beneficiary 3 Surname First name(s) Relationship to you spouse child sibling parent other relative my estate Date of birth / / % split Street address State Post code Super Division Application Form Page 3 of 6

6 6 Tax File Number Whether you provide your Tax File Number (TFN) is up to you. However, it could save you paying unnecessary tax. Before you decide, you should know the following: The Trustee is authorised to collect your TFN under the Superannuation Industry (Supervision) Act Your TFN is confidential. If you choose not to provide it, you will have to pay additional tax on your contributions, we won t be able to accept any non-concessional contributions and any withdrawals you make will be subject to tax at your Marginal Tax Rate. It might also make it difficult to find or transfer in any benefits owing to you without your TFN. If you do choose to provide your TFN, it will only be used for legal purposes including finding lost super, calculating applicable tax and assisting the Australian Taxation Office. If you roll out your super, we might provide your TFN to the receiving fund, unless you advise us in writing not to. My TFN is 7 Personal declaration and acknowledgement I declare and acknowledge the following: I have read the Water Corporation Superannuation Plan s Product Disclosure Statement, in its entirety and understand the terms of my membership. In signing this Application Form, I will be bound by the Plan s Trust Deed and Rules. All information in this Application Form is true and correct. The Plan s investments are not guaranteed and the value of my investment may rise or fall and I may not get back the initial amount invested due to fluctuations in markets and the deduction of applicable insurance premiums, fees and tax. I authorise my employer to deduct any additional contributions in the amount/percentages and via the indicated method as stipulated in this Application Form. I acknowledge that if I am uncertain about my investment strategy, I should obtain professional financial advice before making a decision. I have read and understood the Plan s Privacy Policy or otherwise acknowledge that I am aware that I can obtain a copy of that Policy by contacting the Plan or from I understand that if I terminate employment with the Water Corporation, my account balance will be transferred into the Retained Member Division and I will retain any insurance cover for the period stipulated in the Product Disclosure Statement. Applicant name Applicant signature Date / / Next s Rollover your super Now that you ve joined the Plan, consider consolidating your other super accounts. Consolidating reduces your paperwork, makes keeping track of your super easier and gives you only one account fee to pay. Simply complete and return the attached Rollover Form and we ll take care of the rest. Register for online access Stay up to date on your super by registering for MemberAccess to view your personal super details online. Register and log in to the secure site at MemberAccess allows you to view your transactions, account balance, investment plan and insurance coverage as well as utilise other great features to help you manage your super. All you need is your member number which is available once we have processed your application by calling Super Division Application Form Page 4 of 6

7 OFFICE USE ONLY Date joined employer / / Date joined Plan / / Payroll Number Salary (pa) $, Employment status (tick one): Full-time (permanent/fixed term) Casual > 10 hrs/wk Part-time (permanent/fixed term) > 15 hrs/wk Part-time (permanent/fixed term) < 15 hrs/wk Casual < 10 hrs/wk Membership Type: Full Limited Spouse Tax File Number provided? Yes TFN No Employer acknowledgement To the best of our knowledge the above information is correct. We confirm that the member was not absent from work due to illness or injury on the date of entry to the Plan. If the employee was absent from work, please indicate why: If this Application is for Spouse Membership, I declare that the employee was employed by the Water Corporation on the date this Application was received. Authorised Employer Name Authorised Employer Signature Date / / Super Division Application Form Page 5 of 6

8 Super Division Application Form Page 6 of 6 This page has been left intentionally blank.

9 Super Division Rollover Form Issued by Water Corporation Superannuation Plan Pty Ltd ABN: AFSL: RSE: L Version 5, 1 July 2016 Who should complete this form? New or existing members of the Water Corporation Superannuation Plan wanting to transfer in super from other funds into the Plan. You can also rollover your super online. Log in to MemberAccess at Completing the form: Please use black or blue pen and print in CAPITALS. Return completed form to: The Plan Coordinator JTWC OR Water Corporation Superannuation Plan PO Box 241 West Perth WA 6872 If you re transferring in money from more than one super fund, please complete one of these forms for each fund. 1 Personal details (this section MUST be completed) Mr Mrs Miss Ms Other Date of Birth / / Male Female Surname First name(s) Member Number Tax File Number (TFN)* Telephone (daytime, including area code) Street address Suburb or Town State Post code Previous address (If address held by previous fund is different to your current address) address (optional) (This allows us to send you super information electronically and will only be used for this purpose) 2 Details of your previous super fund Name of previous super fund (this information can be found on your member statements) Member Number Unique Superannuation Identifier (USI) of previous super fund Previous super fund address Suburb or Town State Post code Your name at previous fund (if different from above) (Attach certified marriage certificate/deed poll. See 4.) * WHY PROVIDE MY TFN? You aren t obligated to provide your TFN to your super fund. However, if you don t, your fund may be taxed at the highest marginal tax rate plus the Medicare levy. Your fund may deduct this additional tax from your account. If you don t provide your TFN, you will not be able to make personal contributions to your super account. If you quote your TFN, it s easier to keep track of your super in the future. Under the Superannuation Industry (Supervision) Act 1993, your super fund is authorised to collect your TFN, which will only be used for lawful purposes. These purposes may change in the future as a result of legislative change. The TFN may be disclosed to another super provider when your benefits are being transferred, unless you request in writing not to do so. Rollover Form Page 1 of 3

10 3 Details of your current super fund I authorise the Trustee of the super fund mentioned in 2 to transfer my entire account balance into the Water Corporation Superannuation Plan (the Plan). Cheques should be made payable to: Water Corporation Superannuation Plan. The Plan s details are as follows: Water Corporation Superannuation Plan, ABN / SFN / USI PO Box 241, West Perth WA 6872, Tel: Member authorisation In signing this Rollover Form: I authorise the Trustee of my previous super fund to transfer my entire account balance into the Water Corporation Superannuation Plan. I consent for the administrator of the Water Corporation Superannuation Plan to obtain information in relation to the transfer of my superannuation account. I understand that the Trustee of my previous super fund is discharged from any further liability in respect of any amount, once all of my benefits have been transferred. I understand that funds are not credited to my account until cheques are cleared. I approve the applicable deduction of fees and taxes from my benefit, subject to the relevant legislation. I am aware I may ask my superannuation fund for information about any fees or charges that may apply, or any other information about the effect this transfer may have on my benefits including insurance, and do not require any further information. Member name Member signature Date / / Please note: In some cases, you may be asked to provide certified identification in order to process your rollover. Rollover Form Page 2 of 3

11 629 Newcastle Street Leederville WA 6007 Tel: Web: ABN: ; RSE R ; USI Trustee: Water Corporation Superannuation Pty Ltd ABN: ; AFSL ; RSE L To Whom it May Concern Transfer of Super into Water Corporation Superannuation Plan On behalf of the Trustee of the Water Corporation Superannuation Plan (the Plan), we confirm the following: The Plan is a complying, regulated super fund under the Superannuation Industry (Supervision) Act 1993 (SIS Act). The Plan s Trust Deed and any relevant amendments complies with the SIS Act and the Income Tax Assessment Act The Plan s Trust Deed allows for rollovers into the Plan. The Plan accepts contributions from participating employers on behalf of employees who are members of the Plan. Members can only access any preserved components being rolled over upon reaching their Preservation Age, retiring or in accordance with circumstances approved by the Australian Prudential Regulation Authority. Cheques should be made payable to Water Corporation Superannuation Plan (ABN / SFN / USI / MySuper USI ) and sent to: Australian Administration Services (AAS) PO Box 241 West Perth WA 6872 Yours sincerely Craig Masarei Plan Chairman Rollover Form Page 3 of 3

12 This page has been left intentionally blank.

Employee Super Transfer authority

Employee Super Transfer authority Employee Super Transfer authority Use this form when you wish to transfer benefits from another superannuation fund into your Asgard Employee Super Account. Please complete this Transfer authority in BLOCK

More information

Mercer Super Trust Personal Superannuation Division PRODUCT DISCLOSURE STATEMENT 1 JULY 2012

Mercer Super Trust Personal Superannuation Division PRODUCT DISCLOSURE STATEMENT 1 JULY 2012 Mercer Super Trust Personal Superannuation Division PRODUCT DISCLOSURE STATEMENT 1 JULY 2012 CONTENTS 1. ABOUT THE PERSONAL SUPERANNUATION DIVISION...1 2. HOW SUPER WORKS...2 3. BENEFITS OF INVESTING WITH

More information

Hostplus Superannuation Fund and Hostplus Personal Super Plan. Member forms. 26 September 2015

Hostplus Superannuation Fund and Hostplus Personal Super Plan. Member forms. 26 September 2015 Hostplus Superannuation Fund and Hostplus Personal Super Plan. Member forms 26 September 2015 Which forms do I need? 1 Membership form. Use this form if you are joining Hostplus through your employer.

More information

Retain copies. Beneficiaries. Guarantee. Contact us

Retain copies. Beneficiaries. Guarantee. Contact us North MyNorth Client data collection form MyNorth Super A guide to completing this form Purpose of this form This form may be used by you to collect client data for the submission of a MyNorth application

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

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

Member Application Form

Member Application Form Super Member Application Form Employer Sponsored and Personal Plan members Joining Australian Catholic Superannuation is easy. Simply complete this form using a dark pen and capital letters or type directly

More information

BT Business Super. A guide for employees October 2009

BT Business Super. A guide for employees October 2009 BT Business Super A guide for employees October 2009 > > Contents 1 Why invest in super? 2 Strategies for your super 4 Investment options 5 Features at a glance Westpac Securities Administration Limited

More information

Telstra Super Personal Plus Application Please complete this application form to open a Telstra Super Personal Plus account.

Telstra Super Personal Plus Application Please complete this application form to open a Telstra Super Personal Plus account. Telstra Super Personal Plus Application Please complete this application form to open a Telstra Super Personal Plus account. RED SECTIONS FOR YOUR INFORMATION GREY SECTIONS TO FILL OUT INVESTMENT CHOICE

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement Prepared and issued 15 June 2015 CONTENTS 1. About QIEC Super 2. How super works 3. Benefits of investing with QIEC Super 4. Risks of super 5. How we invest your money 6. Fees

More information

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

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

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

Product Disclosure Statement. Personal Division

Product Disclosure Statement. Personal Division Product Disclosure Statement Personal Division www.amist.com.au service@amist.com.au Issued: 18 June 2016 Contents 1. About AMIST Super Personal Division 1 2. How super works 1 3. Benefits of investing

More information

Lump sum benefit payment request for your superannuation or account based pension

Lump sum benefit payment request for your superannuation or account based pension Lump sum benefit payment request for your superannuation or account based pension How to claim a benefit To claim a benefit you will need to complete the attached Benefit Payment Request and send it direct

More information

Application for benefit payment or transfer

Application for benefit payment or transfer Application for benefit payment or transfer Use this form if you want to cash in your benefit or transfer all or part of your super balance to another super fund. This form should not be used by temporary

More information

Tax on contributions. Concessional (before tax) contributions

Tax on contributions. Concessional (before tax) contributions This section summarises the main Federal Government taxes that apply to superannuation at the time of preparation. For more information, contact Catholic Super on 1300 655 002 or the Australian Taxation

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

Member Application Form

Member Application Form Member Application Form ABN 76 829 356 693 RSE R1004366 SFN 299 735 940 SPIN CFS0102AU Chifley Financial Services Limited (Trustee) ABN 75 053 704 706 AFSL 231148 RSEL L0001120 Instructions Member Services

More information

How super works. MySuper. Member Booklet Supplement. 1 July 2015

How super works. MySuper. Member Booklet Supplement. 1 July 2015 Member Booklet Supplement How super works July 205 The information in this document forms part of the First State Super Member Booklets (Product Disclosure Statements) for: Employer Sponsored members dated

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

Energy Super Corporate Member Guide - Ergon Energy

Energy Super Corporate Member Guide - Ergon Energy Energy Super Corporate Member Guide - Ergon Energy Product Disclosure Statement - Defined Contribution members Prepared and issued 1 September 2013 CONTENTS 1. About Energy Super 2 2. How super works 2

More information

Portability and rollover

Portability and rollover Fact sheet and form Portability and rollover What this fact sheet covers This fact sheet explains how to make a rollover of all or part of your UniSuper account to another complying super fund. Who is

More information

Pension Application Form

Pension Application Form PITCHER RETIREMENT PRP PLAN Pension Application Form Member Details Mr Mrs Miss Ms Other First given name Middle names Family name Date of Birth / / Residential address Suburb/town State Postcode Daytime

More information

Complete this form to withdraw part or all of your benefit as a lump sum, roll over to another GESB account and/or to another complying super fund.

Complete this form to withdraw part or all of your benefit as a lump sum, roll over to another GESB account and/or to another complying super fund. Benefit access Gesb Super and West State Super SUP E R ANNUATION Complete this form to withdraw part or all of your benefit as a lump sum, roll over to another GESB account and/or to another complying

More information

REQUEST FOR WITHDRAWAL

REQUEST FOR WITHDRAWAL REQUEST FOR WITHDRAWAL If you need help For assistance call NGS Super Customer Service Team on 1300 133 177. Step 1. Complete your personal details Please print in black or blue pen, in uppercase, one

More information

CLAIM MY BUSSQ SUPER ON RETIREMENT GROUNDS PICK A PENSION SO, WHAT IS A PENSION? WHAT ARE THE BENEFITS OF A BUSSQ PENSION?

CLAIM MY BUSSQ SUPER ON RETIREMENT GROUNDS PICK A PENSION SO, WHAT IS A PENSION? WHAT ARE THE BENEFITS OF A BUSSQ PENSION? INFO SHEET CLAIM MY BUSSQ SUPER ON RETIREMENT GROUNDS STOP: Before you proceed with completing this application, have you thought about the benefits of taking a pension instead of a lump sum? After your

More information

grow your super Seven ways to Some handy hints to help you grow your super investments December 2014 Now incorporating Find out how you can:

grow your super Seven ways to Some handy hints to help you grow your super investments December 2014 Now incorporating Find out how you can: Find out how you can: Make regular personal contributions a small amount can make all the difference. Salary sacrifice your contributions and reduce your tax at the same time. Seven ways to grow your super

More information

Withdrawals. 1. Investor details

Withdrawals. 1. Investor details MLC Navigator Investment Plan MLC Navigator Retirement Plan MLC Navigator Access Investment MLC Navigator Access Super and Pension Withdrawals Please tick where appropriate: Account closure (Sections 1,

More information

Contributions. Employer contributions

Contributions. Employer contributions Contributions AMIST Super Hotline 1800 808 614 The information in this document forms part of the Product Disclosure Statements for AMIST Super Employer Sponsored and Personal Divisions dated 18 June 2016.

More information

retirement savings account (RSA)

retirement savings account (RSA) retirement savings account (RSA) Short Form Product Disclosure Statement (PDS) For Superannuation, Rollovers and Pensions. As at 4 April 2016 Things you should know: > This PDS is current as at 4 April

More information

Tax on contributions. Non-concessional (after tax) contribution caps. Age at 1 July 2015 Annual cap Tax rate Under 65 $180,000* Nil 65-74 $180,000 Nil

Tax on contributions. Non-concessional (after tax) contribution caps. Age at 1 July 2015 Annual cap Tax rate Under 65 $180,000* Nil 65-74 $180,000 Nil This section summarises the main Federal Government taxes that apply to superannuation at the time of preparation. For more information, contact MyLife MySuper on 1300 MYLIFE (695 433) or the Australian

More information

REST Employer Guide. rest.com.au 1300 305 775. Effective 15 February 2016

REST Employer Guide. rest.com.au 1300 305 775. Effective 15 February 2016 REST Employer Guide Effective 15 February 2016 Issued by Retail Employees Superannuation Pty Limited ABN 39 001 987 739 AFSL 240003 Retail Employees Superannuation Trust ABN 62 653 671 394 rest.com.au

More information

How super is taxed guide (AP.4)

How super is taxed guide (AP.4) How super is taxed guide (AP.4) Issued 1 January 2016 The information in this document forms part of the ESSSuper Accumulation Plan Product Disclosure Statement dated 1 January 2016. Contents Providing

More information

Important information about Benefit Payments Application for Benefit Payment and Certifying your Identification

Important information about Benefit Payments Application for Benefit Payment and Certifying your Identification Important information about Benefit Payments Application for Benefit Payment and Certifying your Identification We recommend that you contact us for your benefit payment estimate before you complete this

More information

Contributions. Contributions table. Defence Bank Super

Contributions. Contributions table. Defence Bank Super Contributions This fact sheet provides more detailed information about the different contributions that may be made into your super account in the 2015/2016 and 2016/2017 financial years, based on laws

More information

Superannuation Surcharge Guide. Issued: December 2013

Superannuation Surcharge Guide. Issued: December 2013 Superannuation Surcharge Guide Issued: December 2013 Contents Introduction... 3 Surcharge process... 4 What are my options?... 5 Need more information?... 7 Contact Centres 70 Eagle Street Brisbane 63

More information

Fact Sheet Tax on Super 2009/10

Fact Sheet Tax on Super 2009/10 It pays to belong TM Key Focus A tax of 15% applies to concessional (i.e. before tax) contributions. All employer and salary sacrifice contributions will be taxed at the top marginal rate if your super

More information

Employee Application Form

Employee Application Form Defined Contribution Social Housing Pension Scheme (SHPS) Employee Application Form Defined Contribution (DC) Structure Membership Number To be completed by The Pensions Trust: M PLEASE COMPLETE SECTIONS

More information

Concept ne. Great News. Concept ne. and Concept One Superannuation Plan will merge to form... the Industry Superannuation Fund

Concept ne. Great News. Concept ne. and Concept One Superannuation Plan will merge to form... the Industry Superannuation Fund Great News FOR EMPLOYERS! The Industry Superannuation Fund and Concept One Superannuation Plan will merge to form... Concept ne the Industry Superannuation Fund SIGNIFICANT EVENT NOTICE On 22 February

More information

Application for superannuation benefits temporary residents departing Australia permanently

Application for superannuation benefits temporary residents departing Australia permanently GPO Box 89 Melbourne Vic 3001 VicSuper Member Centre 1300 366 216 vicsuper.com.au Application for superannuation benefits temporary residents departing Australia permanently * Indicates that providing

More information

Super/pension account Payment request

Super/pension account Payment request Super/pension account Payment request Complete this form in BLOCK LETTERS and: post it to Asgard, PO Box 7490, Cloisters Square, Perth WA 6850 or fax it to (08) 9481 4834 Note: if this form is faxed, you

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

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

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

More information

Super SA is committed to meeting your needs and providing you with the best value for money.

Super SA is committed to meeting your needs and providing you with the best value for money. > 1 > Active member > After-tax contributions > Benefit Projector > Commonwealth preservation rules > Complying fund > Concessional contributions > Concessional contribution cap > Concessional tax > Contribution

More information

How super works Date of issue: 1 July 2013

How super works Date of issue: 1 July 2013 www.mtaasuper.com.au Phone: 1300 362 415 / Fax: 1300 365 142 An Industry SuperFund How super works Date of issue: 1 July 2013 The information in this document forms part of the Product Disclosure Statement

More information

Your guide to salary sacrifice. and the Government co-contribution. 8 December 2015

Your guide to salary sacrifice. and the Government co-contribution. 8 December 2015 Your guide to salary sacrifice and the Government co-contribution 8 December 2015 Ratings are just one factor to consider when deciding on a product. SuperRatings Pty Ltd does not guarantee, underwrite

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

Member Details form. Member Application Form. Step 1 Your details. Complete this form to become a member of LUCRF Super.

Member Details form. Member Application Form. Step 1 Your details. Complete this form to become a member of LUCRF Super. Member Details form Member Application Form w Complete this form to become a member of LUCRF Super. Please complete all relevant sections using CAPITAL LETTERS and a BLACK or BLUE pen. Step 1 Your details

More information

Super taxes, caps, payments, thresholds and rebates

Super taxes, caps, payments, thresholds and rebates Fact Sheet Super taxes, caps, payments, thresholds and rebates This fact sheet provides a useful one-stop reference guide to the tax rates, caps, thresholds and rebates that apply or are related to superannuation

More information

ENTERPRISE SUPER MEMBERS GUIDE. EMPLOYER SPONSORED SUPERANNUATION & PERSONAL SUPERANNUATION Issue Date: 22 June 2012

ENTERPRISE SUPER MEMBERS GUIDE. EMPLOYER SPONSORED SUPERANNUATION & PERSONAL SUPERANNUATION Issue Date: 22 June 2012 ENTERPRISE SUPER EMPLOYER SPONSORED SUPERANNUATION & PERSONAL SUPERANNUATION Issue Date: 22 June 2012 Enterprise Super is a division of General Retirement Plan, ABN 32 894 907 884 PO Box 1282, Albury NSW

More information

we make it easy for you

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

More information

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

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

SUPERANNUATION Changing jobs?

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

More information

Nestlé Australia Group Superannuation Fund

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

More information

Cessation of employment

Cessation of employment SR1 04/12 Cessation of employment Benefit application form Before you start Before you complete this benefit application form, please read the CSS Product Disclosure Statement. This form and the Explanatory

More information

Early release of super

Early release of super Early release of super You can apply for early release of your super on compassionate grounds or for financial hardship What do you need to do? Just follow the steps we ve outlined for the type of early

More information

SUPERANNUATION Changing jobs?

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

More information

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

Early release of super on compassionate grounds How to make a claim

Early release of super on compassionate grounds How to make a claim Early release of super on compassionate grounds How to make a claim Please note if you have ceased work due to sickness or injury, call us on 13 11 84 before proceeding. Am I eligible to make a claim?

More information

SUPERANNUATION Changing jobs?

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

More information

Fees and other costs Employer-sponsored and personal superannuation members.

Fees and other costs Employer-sponsored and personal superannuation members. Fees and other costs Employer-sponsored and personal superannuation members. This document was prepared on 1 July 2016. The information in this document forms part of the Statewide product disclosure statement

More information

Advance Retirement Suite Super Early Release Financial Hardship Application

Advance Retirement Suite Super Early Release Financial Hardship Application Advance Retirement Suite Super Early Release Financial Hardship Application Trustee: BT Funds Management Ltd (BTFM) ABN 63 002 916 458 AFSL 233724 GUIDE TO COMPLETING THIS FORM > > Use this form if you

More information

Withdraw super from your Rollover Account

Withdraw super from your Rollover Account Withdraw super from your Rollover Account This is the form you should use when you withdraw your superannuation from the APSS Rollover. The minimum amount you may withdraw from your APSS Rollover Account

More information

SMSF Solutions for Advisers & Accountants.

SMSF Solutions for Advisers & Accountants. SMSF Solutions for Advisers & Accountants. 1 November 2015 www.multiport.com.au Multiport Pty Ltd ABN 76 097 695 988 AFS LICENCE NO: 291195 Contents Taking the hassle out of SMSF administration and compliance

More information

Make a lump sum withdrawal or rollover For a transition to retirement income stream

Make a lump sum withdrawal or rollover For a transition to retirement income stream CSC retirement income RI04 04/13 Make a lump sum withdrawal or rollover For a transition to retirement income stream Use this form if you have a transition to retirement income stream and wish to > > make

More information

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

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

More information

The Executive Superannuation Fund

The Executive Superannuation Fund The Executive Superannuation Fund Agenda Overview of The Executive Superannuation Fund ( the Fund ) Contributions ti and insurance benefits available to KPMG staff Investment option asset allocation Investment

More information

Information for employers

Information for employers ₁ Issued July ₂₀₁₅ Information for employers AMP Flexible Super Guide Registered trademark of AMP Limited ABN 49 079 54 519. This guide provides information specifically for employers about AMP Flexible

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

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

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

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

Contents 1 About Cbus 2 2 How super works 2 3 Benefits of investing. Product Disclosure Statement: 1 November 2015

Contents 1 About Cbus 2 2 How super works 2 3 Benefits of investing. Product Disclosure Statement: 1 November 2015 Join Cbus Personal Super Product Disclosure Statement: 1 November 2015 Auth. No. 75 493 363 262 473 This Product Disclosure Statement (PDS) is a summary of significant information about Cbus and contains

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

Binding death benefit nomination

Binding death benefit nomination Fact sheet Binding death benefit nomination A binding death benefit nomination can provide you with greater certainty about who will receive your benefit in the event of your death. What this fact sheet

More information

Family law and superannuation

Family law and superannuation Family law and superannuation Fact sheet This fact sheet looks at the process of splitting a superannuation benefit under the family law process and the types of benefits that may be affected, including

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

Bendigo SmartStart Super

Bendigo SmartStart Super Bendigo SmartStart Super Product Disclosure Statement Dated 5 March 2015 This Product Disclosure Statement ( Statement or PDS ) is issued by Sandhurst Trustees Limited (ABN 16 004 030 737, AFSL No. 237906)

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

Superannuation. A Financial Planning Technical Guide

Superannuation. A Financial Planning Technical Guide Superannuation A Financial Planning Technical Guide 2 Superannuation Contents Superannuation overview 4 Superannuation contributions 4 Superannuation taxation 7 Preservation 9 Beneficiary nomination 9

More information

A guide to understanding your super

A guide to understanding your super A guide to understanding your super For Ambulance Victoria operational employees Proudly serving our members Issued May 2015 Issued by the Emergency Services Superannuation Board ABN 28 161 296 741 as

More information

Zurich Super Estate Management

Zurich Super Estate Management Zurich Super Estate Management Binding Nominations The Trustee of the Zurich Master Superannuation Fund is Zurich Australian Superannuation Pty Limited ABN 78 000 880 553, AFSL 253 500, RSE Licence No.

More information

Your life your fund. Super for real estate professionals

Your life your fund. Super for real estate professionals Your life your fund Super for real estate professionals Product Disclosure Statement 1 July 2016 CONTENTS 1 About REI Super 2 How super works 3 Benefits of investing with REI Super 4 Risks of super 5 How

More information

Contributions are taxed differently depending on whether you are making contributions to a taxed or untaxed fund.

Contributions are taxed differently depending on whether you are making contributions to a taxed or untaxed fund. Tax and super GESB Super and West State Super SUP E R ANNUATION Important note The information in this document forms part of the Product Information Booklets for GESB Super and West State Super, each

More information

TTR refresh. Qwealth Superannuation Master Trust. 1. Member s details. 2. Account details. 1 July 2014. Client Services Phone 1300 704 704.

TTR refresh. Qwealth Superannuation Master Trust. 1. Member s details. 2. Account details. 1 July 2014. Client Services Phone 1300 704 704. TTR refresh Qwealth Superannuation Master Trust 1 July 2014 Oasis Fund Management Limited (Trustee) ABN: 38 106 045 050 AFSL: 274331 RSE Licence: L0001755 Oasis Superannuation Master Trust (Trust) ABN:

More information

MyLife MyInsurance Application to Increase Income Protection Cover due to Salary Increase Part A

MyLife MyInsurance Application to Increase Income Protection Cover due to Salary Increase Part A MyLife MyInsurance Application to Increase Income Protection Cover due to Salary Increase Part A If you have Income Protection cover you may be eligible to increase your cover to ensure it keeps up with

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

Contribution slip booklet.

Contribution slip booklet. Contribution slip booklet. Add to your super now for bigger benefits later November 2015 Your privacy. Hostplus is seeking to collect personal information from you so that we may apply your contribution

More information

Contributions Fact Sheet

Contributions Fact Sheet Contributions Fact Sheet Product Disclosure Statement The information in this document forms part of the QIEC Super Product Disclosure Statement (PDS). This document is the Contributions Fact Sheet and

More information

Superannuation and Deferred Annuity Redemption / transfer form

Superannuation and Deferred Annuity Redemption / transfer form Superannuation and Deferred Annuity Redemption / transfer form This form is to be used when redeeming your superannuation benefit from the Zurich Deferred Annuity or from the Zurich Master Superannuation

More information

MLC MasterKey Business Super

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

More information

COMMINSURE PROTECTION

COMMINSURE PROTECTION COMMINSURE PROTECTION SUPPLEMENTARY COMBINED PRODUCT DISCLOSURE STATEMENT AND POLICY Issue date: 18 October 2015 This Supplementary Combined Product Disclosure Statement (SPDS) and Policy supplements the

More information

uperannuation rates and thresholds as at 1 July 2016

uperannuation rates and thresholds as at 1 July 2016 TECHNICAL FACT SHEET uperannuation rates and thresholds as at 1 July 2016 Contributions to Super Low income superannuation contribution The Government has abolished Low Income Superannuation Contribution

More information

Taking the mystery out of salary sacrifice

Taking the mystery out of salary sacrifice Hostplus Salary Sacrifice August 2015 Taking the mystery out of salary sacrifice Learn how you can pay less tax, get more super and make a big difference to your future Welcome Thinking about how you can

More information

11.06% BALANCED RETURN

11.06% BALANCED RETURN MAtTERS Spring 2015 11.06% BALANCED RETURN Contents Third consecutive year of double digit returns for members...1 Deadline extension for SuperStream compliance now October 2015!...2 A message from the

More information

Death only (including terminal illness) insurance cover (Prime division)

Death only (including terminal illness) insurance cover (Prime division) FACT SHEET Death only (including terminal illness) insurance cover (Prime division) 1 May 2014 Please note before reading this fact sheet: As a member of Prime Super, you will generally be allocated a

More information

How super is taxed. VicSuper FutureSaver Member Guide

How super is taxed. VicSuper FutureSaver Member Guide How super is taxed VicSuper FutureSaver Member Guide Date prepared 1 July 2015 The information in this document forms part of the VicSuper FutureSaver Product Disclosure Statement (PDS) dated 1 July 2015.

More information