Product Disclosure Statement

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Product Disclosure Statement"

Transcription

1 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 super 5. How we invest your money 6. Fees and costs 7. How super is taxed 8. How to open an account 9. Other information This Product Disclosure Statement (PDS) is a summary of significant information and contains a number of references to important information in a Fact Sheet (which forms part of this PDS). You should consider that information before making a decision about AMP Retirement Savings Account. Information in the PDS may change from time to time. We may update information which is not materially adverse to you on amp.com.au/pdsupdates. The information can also be obtained (at no charge) by calling us on or from your financial planner. The information provided in this PDS is general information only and does not take account of your personal financial situation or needs. You should obtain financial advice tailored to your personal circumstances. 1. About AMP Retirement Savings Account AMP Retirement Savings Account ( RSA ) is a superannuation account open to new employees of existing employer sponsors. AMP Retirement Savings Account is capital guaranteed so that your crediting rate cannot be negative. You should read the important information about Information on your account before making a decision. Go to the Fact Sheet available at The material relating to Information on your account may change between the time you read this PDS and the day when you acquire the product. AMP Retirement Savings Account is part of a superannuation fund known as the AMP Superannuation Savings Trust (the fund). AMP Superannuation Limited is the trustee of the fund and is referred to as we or our in this PDS. 2. How super works Super is a long-term investment and a tax-effective way of saving for your retirement. Putting in place a suitable super strategy can increase the likelihood of you doing what you want to do when you retire. In most cases, your employer is required to contribute to a super fund for you. And subject to the terms of your employment, you are usually able to choose which super fund you would like your employer to make its compulsory employer contributions to. Boosting your super savings There are many types of contributions that can be made to your super. These include: Making salary sacrifice contributions. Making additional personal contributions. Taking advantage of the Government co-contribution. Arranging spouse contributions to be made into your account. Issued 21 June 2012 Issued by AMP Superannuation Limited ABN , AFSL No , the trustee of the AMP Superannuation Savings Trust ABN NS /12

2 You may also help build up your super savings in your AMP Retirement Savings Account more quickly by: Consolidating your super into the one account. Finding your lost super. Limits on contributions There are limits on the contributions that can be made into your AMP Retirement Savings Account, depending on your age, how many hours you are working and other factors. The Government also has set dollar limits (or caps) on the amount of contributions that can be made to your super each year before additional tax becomes payable. See How super is taxed on page 5. Accessing your super Because super enjoys tax advantages, the law restricts when you can access your super money. These restrictions are known as preservation rules. Generally this means that you can only access your money after you reach your preservation age (between ages 55 and 60, depending on your date of birth) and retire (with some exceptions) or in certain other circumstances. Once you have satisfied the preservation rules, you can start withdrawing from your super account or access your super in the form of an account based pension (see Benefits of Investing with AMP Retirement Savings Account below). Temporary residents of Australia: If you are a non-resident who has permanently left Australia and not withdrawn your superannuation benefit within 6 months of your temporary visa expiring, we may be required to pay your benefit to the Australian Taxation Office (ATO), after which you will need to apply to the ATO to claim your superannuation. You should read the important information about Types of contributions, Contributions caps and the excess contributions taxes and Money out (Accessing your money) before making a decision. Go to the Fact Sheet available at The material relating to Types of contributions, Contributions caps and the excess contributions taxes and Money out (Accessing your money) may change between the time you read this PDS and the day when you acquire the product. 3. Benefits of investing with AMP Retirement Savings Account The AMP Retirement Savings Account has the following benefits: Security for your super RSA is capital guaranteed so that your crediting rate in RSA cannot be negative. AMP Life s No.1 Fund that has assets in excess of $25 billion as at 31 December 2011 provides this guarantee. As there are no administration fees charged directly to your account, this means that for as long as it stays in RSA, your account balance cannot reduce due to administration fees. Beneficiary nomination options and paying your Death benefit You can provide the Trustee with your preferences on who you want your benefit paid to in the event of your death. You have a choice of: Option 1 - Non-binding (or preferred) nomination. Option 2 - No nomination. You should read the important information about Paying your Death benefit before making a decision. Go to the Fact Sheet available at The material relating to Paying your Death benefit may change between the time you read this PDS and the day when you acquire the product. Access to your super Once you satisfy the preservation rules you can make partial withdrawals from your super, withdraw your super as a lump sum or, you can access your super in the form of an accountbased pension. Easy to deal with AMP Retirement Savings Account puts you in control of your super. You can: View and manage your account online through My Portfolio at any time. Keep your super in one place with our Super Consolidation Service (at no additional cost to you). You should read the important information about Consolidating your super and My Portfolio before making a decision. Go to the Fact Sheet available at The material relating to consolidating your super and My Portfolio may change between the time you read this PDS and the day when you acquire the product. 4. Risks of super All investing involves some risk it s the trade-off for the returns we all want to earn. The key risk with investing in super is investment risk, but there are also other significant risks you need to consider. Investment risk Investment risk means the value of investments and returns are likely to vary. Future returns may differ from past returns. Returns from investing are generally not guaranteed (which means an investor may lose some of his or her money). However, AMP Retirement Savings Account invests in a capital guaranteed life policy, which means that your investment return (crediting rate) in AMP Retirement Savings Account cannot be negative. The rate of return for investing in a fund like AMP Retirement Savings Account which invests in capital guaranteed assets is likely, in the longer term, to be less than for most other asset classes 2

3 Depending on your account balance, and crediting rate, your investment rate of return can be equal to or lower than the rate of inflation. This means there is a risk that the value of your super can fall, in real terms. A capital guaranteed investment is designed to give you security in the shorter term. This is usually at the potential cost of lower returns over the longer term. Other risks When investing in super, it is important to understand that: You may not be able to access your super, because of preservation rules. Laws affecting super may change, which may affect the amount of your super and when you can access it. We can change the rules of AMP Retirement Savings Account at any time. Your investment and future super savings may not be sufficient to provide an income for the rest of your life. You should read the important information about Risk of investing before making a decision. Go to the Fact Sheet available at The material relating to Risk of investing may change between the time you read this PDS and the day when you acquire the product. 5. How we invest your money AMP Retirement Savings Account invests in a capital guaranteed life insurance policy issued to us by AMP Life. We are the policyowner of the life insurance policy. Under this policy, AMP Life guarantees to us the full value of members benefits. This life insurance policy is a participating policy in AMP s No.1 Fund. Participating policies are administered in accordance with the Life Insurance Act 1995 and the Insurance Contracts Act Under these Acts, an annual profit is determined for each class of participating policies and shared between the policyowner and the life office. At least 80% of that profit must be allocated to the participating policyowner(s). Currently for the AMP Retirement Savings Account, 92.5% of the annual profit is allocated to the policyowner (the trustee) and 7.5% is allocated to AMP Life. The RSA crediting rates declared are a distribution of our profit to members. Who is AMP Retirement Savings Account designed for? Individuals who want: Capital security for their super. To consolidate all their super in a secure investment. Investment objective The investment objective for account balances over $2,500, is to provide returns (adjusted for costs and tax) over the longer term exceeding those from cash. For all account balances, returns are guaranteed to not be negative. Investment strategy The investment strategy is to invest in a portfolio with a core of cash and limited exposure to shares. Changes to investments can be made according to the outlook for the various sectors and the nature of the plan. The long-term strategic mix of assets that back the plan are usually in the following ranges: Shares and Alternative Investments 0% - 20% Fixed Interest and Cash 80% - 100% Minimum suggested timeframe and risk level As the RSA invests in a capital guaranteed life policy, there is no minimum suggested timeframe for investment and the overall level of risk of investing in the RSA is low. You should read the important information including How your investment works before making a decision. Go to the Fact Sheet available at The material relating to How your investment works may change between the time you read this PDS and the day when you acquire the product. 6. Fees and costs Did you know? Small differences in both investment performance and fees and costs can have a substantial impact on your long-term returns. For example, total annual fees and costs of 2% of your account balance rather than 1% could reduce your final return by up to 20% over a 30 year period (for example, reduce it from $100,000 to $80,000). You should consider whether features such as superior investment performance or the provision of better member services justify higher fees and costs. You may be able to negotiate to pay lower contribution fees and management costs where applicable. Ask the fund or your financial planner. To find out more If you would like to find out more, or see the impact of fees and costs based on your own circumstances, the Australian Securities and Investments Commission (ASIC) website (www.moneysmart.gov.au) has a superannuation fee calculator to help you check out different fee options. The calculator on the ASIC website (www.moneysmart.gov.au) can be used to calculate the effect of fees and costs on your super account balance. The table below indicates the fees and costs for the AMP Retirement Savings Account. The table can be used to compare the costs of different superannuation products. These fees and costs are deducted from your investment returns. 3

4 Type of fee or cost Amount Fees when your money moves in or out of the fund Establishment Fee Contribution Fee Withdrawal Fee Termination Fee Management costs The fees and costs for managing your investment.* The management costs consist of expenses incurred in running the fund and Performance Based Fees paid monthly out of the fund assets. These costs are reflected in the crediting rates which are set in advance and applied daily to your account balance. These costs are not deducted directly from your account. Nil Nil Nil Nil The gross costs of the fund are estimated as 2.17% pa.** The net costs of the fund are estimated at 1.84% pa.** * This fee includes an amount payable to your financial planner (see Payments to your financial planner in the Fact Sheet). ** The estimates are based on the actual fund costs for the year to 31 December The management costs are not fixed and will vary depending on performance and expenses. Example of annual fees and costs for AMP Retirement Savings Account This table gives an example of how the fees and costs in the AMP Retirement Savings Account can affect your superannuation investment over a 1 year period. You should use this table to compare this product with other superannuation products. Example Balance of $50,000 with total contributions 1 of $5,000 during the year. Contribution Fees Nil For every $5,000 put in, you will be charged $0. Plus Management costs Equals Cost of Account 2.17% 2 And, for every $50,000 you will have in the account you will be charged $1,085 2,3 each year. If you put in $5,000 during a year and your balance was $50,000, then for that year you will be charged fees of: $1,085 3 What it costs you will depend on the investment option you choose and the fees you negotiate with your fund or financial planner The contribution of $5,000 is assumed to be deposited to your account at the end of the year. 2. The Management Costs of 2.17% above are for the 12 month period ending 31 December The amount of fees and costs you actually pay in your account is reduced by 15% to allow for the benefit of the tax deductions passed on to you. The amount you actually pay is $ There is no other investment option and fees cannot be negotiated with the fund or financial planner. Fees paid to financial planners AMP Life will pay a standard commission to the financial planner who advises you or your employer on AMP Retirement Savings Account. This commission is a cost of the fund. The commission amount is not negotiable. These costs are reflected in the crediting rates for all members. The standard commission is 0.25% pa of your total account balance as at 30 June each year. AMP Life pays an additional 10% on the commission amount above for GST if your financial planner is registered for GST purposes. Your financial planner will pay this extra 10% to the ATO. You do not pay this standard commission in addition to the management costs shown in the Fees and costs table above. You may have to pay additional fees to a financial planner if you consult one. You may agree with your financial planner a fee to be paid for financial planning services provided to you in relation to AMP Retirement Savings Account. This fee may be: a one-off dollar amount paid as a lump sum, and/or an ongoing fee, paid monthly, which is either a fixed dollar amount or a set percentage of your account balance. The Statement of Advice from your financial planner details any fees for their financial planning services. Changing the fees We can introduce new fees or change existing fees at any time. We will notify you at least 30 days before we introduce new fees or increase existing fees. 4

5 The trust deed permits us to introduce a Trustee Fee of 3% each year of the amount you have invested (this fee is currently not charged). New fees can be charged or existing fees changed if: AMP Life changes its fees under the superannuation policy we hold. Permitted by law. In this product, expenses are ultimately reflected in the crediting rates (crediting rates can change at any time without prior notice to you). You should read the important information about Fees and other costs before making a decision. Go to the Fact Sheet available at The material relating to Fees and other costs may change between the time you read this PDS and the day when you acquire the product. 7. How super is taxed As an incentive to save for your retirement, the super system offers attractive tax benefits. Generally your super may be taxed in the following situations: Type of tax Description How the tax is paid When contributions are made On your earnings while your money is invested When you withdraw money from super and you are under age 60 When you withdraw money from super and you are age 60 or over Employer, salary sacrifice and personal member contributions for which a tax deduction is claimed are taxed at a rate of up to 15%, which is known as contributions tax. A maximum of 15% tax is applied to the investment earnings of your super. If you withdraw your money as a lump sum and don t transfer that money directly to another super fund, then generally you are subject to lump sum tax based on the taxable component of your withdrawal benefit. No tax is payable. - Contributions tax is paid by us to the ATO quarterly. We will deduct this tax from your account quarterly (or earlier when you close your account). This tax is deducted before we declare investment returns (that is, crediting rates are net of this tax). Tax is payable on assessment of your income tax return, but we deduct an amount from your withdrawal benefit as prescribed by law. The prescribed amount deducted may differ from the tax payable on assessment. Collecting your Tax File Number (TFN) When you apply for AMP Retirement Savings Account, you should consider providing us with your TFN. If your employer nominates you to join AMP Retirement Savings Account they must give us your TFN if you have given it to them. If you or your employer don t tell us your TFN: Any employer contributions will have the No-TFN tax applied at the rate of 31.5%. This is in addition to the contributions tax you have already paid on those contributions. This No-TFN tax is calculated and deducted at the earlier of 30 June each year and when you close your account. We may have to deduct higher tax than we would otherwise have to on your superannuation lump sum withdrawals and the income payments we make to you. We cannot accept any personal contributions and certain other types of contributions. Tip: Check your statement to see if we have your TFN. If we don t, you should consider giving it to us to avoid us deducting extra tax from your account. Excess contributions taxes If you exceed the maximum amount of contributions (called caps ) set by the government in any financial year for a person your age, you may be required to pay an excess contributions tax of up to 46.5% of the excess. If this occurs, the Australian Taxation Office will issue you with an assessment and a Release Authority and you will need to pay the tax within 21 days. This tax may, or in some circumstances must, be paid from your super account balance. Tip: Keep an eye on contributions to all your superannuation funds to avoid exceeding the caps. We do not monitor super contributions made to your account against the caps. You should read the important information about Tax and social security before making a decision. Go to the Fact Sheet available at The material relating to Tax and social security may change between the time you read this PDS and the day when you acquire the product. 8. How to open an account Individuals AMP Retirement Savings Account no longer accepts new personal applications. Employer sponsors AMP Retirement Savings Account no longer accepts new employer-sponsored applications. Existing employer sponsors can continue to add new employees to their employer plan. Employee members Your account is automatically opened when your employer nominates you to join their AMP Retirement Savings Account - Employer plan. 5

6 Cooling-off period Cooling-off rights do not apply to employee members. Enquiries and complaints process All aspects of AMP Retirement Savings Account are governed by the fund s trust deed and insurance policies held by us, including in the event of a dispute. You can find out additional information about your AMP Retirement Savings Account, and request a copy of this PDS and any additional information that has been referred to in this PDS, from your financial planner or AMP Customer Service. If you are unhappy about any aspect of your account or our service, please contact AMP Customer Service: 9. Other information You should read the additional important information about Collection of Tax File Numbers, AMP and your privacy, (including our collection of your personal information to establish and manage your AMP Retirement Savings Account and for related purposes such as providing you with information about other AMP financial services), Additional identification requirements, and what occurs when Leaving your employer, before making a decision. Go to the Fact Sheet available at The material relating to these subjects may change between the time when you read this PDS and the day when you acquire the product. Online amp.com.au/enquiry Phone Mail Customer Service AMP Life Limited PO Box 300 PARRAMATTA NSW 2124 Fax Internet My Portfolio We will try to resolve your complaint as quickly as possible. If we cannot resolve it immediately, we will keep you informed about our progress. Where we cannot resolve your complaint within 90 days or if you are unhappy with our decision, you may be able to lodge a complaint with the Superannuation Complaints Tribunal (SCT). The SCT is an independent body established by the Government to review certain decisions of superannuation trustees. Superannuation Complaints Tribunal Website sct.gov.au Phone Or write to Locked Bag 3060 MELBOURNE VIC 3001 Time limits apply to certain complaints to the SCT. If you have a complaint, you should contact the SCT immediately to find out if a time limit applies. The SCT can only become involved after the Trustee s efforts at resolving your complaint have failed. 6

7 This page has been left blank intentionally. 7

8 8 This page has been left blank intentionally.

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

AMP Eligible Rollover Fund Product Disclosure Statement

AMP Eligible Rollover Fund Product Disclosure Statement AMP Eligible Rollover Fund Product Disclosure Statement Issued 30 June 2014 Contents 1. About AMP Eligible Rollover Fund 2. How super works 3. Benefits of investing with AMP Eligible Rollover Fund 4. Risks

More information

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

HOSTPLUS Superannuation Fund and HOSTPLUS Personal Super Plan Member Guide. Everything you need to get the most from your super.

HOSTPLUS Superannuation Fund and HOSTPLUS Personal Super Plan Member Guide. Everything you need to get the most from your super. Everything you need to get the most from your super Product Disclosure Statement 31 October 2011 Issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL No. 244392 as trustee for the HOSTPLUS Superannuation

More information

BT 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

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

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Contents BT Lifetime Personal Super Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Benefits of investing with BT Lifetime Personal Super

More information

ADVANCE RETIREMENT SAVINGS ACCOUNT Annual Report for year ended 30 June 2014. Issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724

ADVANCE RETIREMENT SAVINGS ACCOUNT Annual Report for year ended 30 June 2014. Issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 ADVANCE RETIREMENT SAVINGS ACCOUNT Annual Report for year ended 30 June 2014 Issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 CONTENTS Introduction... 1 Recent developments in superannuation...

More information

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

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

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

Your Guide. to the Meridian. Personal. Super Plan. Product Disclosure Statement. Issued 1 January 2004 MPS 4

Your Guide. to the Meridian. Personal. Super Plan. Product Disclosure Statement. Issued 1 January 2004 MPS 4 Your Guide to the Meridian Product Disclosure Statement Issued 1 January 2004 Personal Super Plan MPS 4 What this Guide is about MPSuper Product Disclosure Statement This Guide was prepared and issued

More information

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

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

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

AMP Eligible Rollover Fund

AMP Eligible Rollover Fund AMP Eligible Rollover Fund Fact sheet Issued 30 June 2014 Issued by AMP Superannuation Limited ABN 31 008 414 104, AFSL No. 233060, the Trustee of AMP Eligible Rollover Fund ABN 32 931 224 407. Registered

More information

Telstra Super Personal Plus

Telstra Super Personal Plus 01/ 17 NOVEMBER 2015 PRODUCT DISCLOSURE STATEMENT Telstra Super Personal Plus Making the most of your future Contents 01 About Telstra Super and Telstra Super Personal Plus 02 02 How super works 02 03

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement bcu Retirement Savings Account (Current as at August 20, 2014) Bananacoast Community Credit Union Ltd ABN 50 087 649 750 AFSL No. 241077 The information in this PDS is general

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

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

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

MEMBER GUIDE PRODUCT DISCLOSURE STATEMENT

MEMBER GUIDE PRODUCT DISCLOSURE STATEMENT MEMBER GUIDE PRODUCT DISCLOSURE STATEMENT Date of issue: 13 August 2015 2 SUPER SA SELECT > PDS CONTENTS 1. About Super SA Select 3 2. How super works 4 3. Benefits of investing with Super SA Select 6

More information

SuperTrace Eligible Rollover Fund

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

More information

Personal Choice Private ewrap Super/Pension

Personal Choice Private ewrap Super/Pension Personal Choice Private ewrap Super/Pension Product Disclosure Statement PART 1 General Information I 1 July 2014 PERSONAL CHOICE PRIVATE Trustee of Personal Choice Private ewrap Super/Pension and issuer

More information

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

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

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

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

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

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

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

ANZ Smart Choice Super

ANZ Smart Choice Super ANZ Smart Choice Super PRODUCT DISCLOSURE STATEMENT EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015 Contents 1. About ANZ Smart Choice Super 3 2. How super works 3 3. Benefits of investing with ANZ Smart Choice

More information

Australian Equities Index Fund

Australian Equities Index Fund Contents Page 1. About netwealth 2 2. How the Fund works 2 3. Benefits of investing in the Fund 4 4. Risks of managed investment schemes 4 5. How we invest your money 5 6. Fees and costs 6 7. How managed

More information

Super Accelerator. Supplementary Product Disclosure Statement. 2 April 2015. Issuer/trustee details: netwealth Investments Limited

Super Accelerator. Supplementary Product Disclosure Statement. 2 April 2015. Issuer/trustee details: netwealth Investments Limited Super Accelerator Supplementary Product Disclosure Statement 2 April 2015 Issuer/trustee details: netwealth Investments Limited Level 8/52 Collins Street MELBOURNE VIC 3000 ABN 85 090 569 109 AFSL 230975

More information

CLIENT FACT SHEET. If you are under age 65 you may make personal contributions to superannuation on your own behalf.

CLIENT FACT SHEET. If you are under age 65 you may make personal contributions to superannuation on your own behalf. CLIENT FACT SHEET July 2010 Understanding superannuation and superannuation contributions Superannuation is an investment vehicle designed to assist Australians in saving for their retirement. The Government

More information

SUPER SA PRODUCT DISCLOSURE STATEMENT. Date of issue: 10 August 2015. m e m be r g u id e:

SUPER SA PRODUCT DISCLOSURE STATEMENT. Date of issue: 10 August 2015. m e m be r g u id e: SUPER SA PRODUCT DISCLOSURE STATEMENT Date of issue: 10 August 2015 m e m be r g u id e: S e l p i r T Triple S > PDS CONTENTS > 2 1. About Triple S 3 2. How super works 4 3. Benefits of investing with

More information

2013 Benefit Statement Notes

2013 Benefit Statement Notes 2013 Benefit Statement Notes At 30 June 2013 Important information The Board of Trustees of the State Public Sector Superannuation Scheme (ABN 32 125 059 006) (QSuper Board) is required to provide you

More information

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

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

Retirement Savings Account (RSA)

Retirement Savings Account (RSA) Retirement Savings Account (RSA) Product Disclosure Statement (PDS) Incorporated (by reference) Information Booklet - Superannuation, Rollovers and Pensions. As at 24 September 2014 Issued by the Qantas

More information

Retirement Savings Account (RSA)

Retirement Savings Account (RSA) Retirement Savings Account (RSA) Product Disclosure Statement (PDS) Incorporated (by reference) Information Booklet - Superannuation, Rollovers and Pensions. As at 12 March 2012 Issued by the Qantas Staff

More information

Investment Bond & Rollover

Investment Bond & Rollover Investment Bond & Rollover This report includes: Deferred Annuity Capital Guaranteed Collection Rollover Rollover Portfolio and Rollover Parking Fund Capital Guaranteed Collection Investment Bond Investment

More information

SignatureSuper Member Guide Fact Sheet

SignatureSuper Member Guide Fact Sheet SignatureSuper Member Guide Fact Sheet Issued 30 June 2014 AMP Corporate Super The information in this Fact Sheet forms part of the SignatureSuper Product Disclosure Statement dated 1 January 2014 for

More information

Accumulation 1. Inside. Product Disclosure Statement issued 22 July 2013 by UniSuper Limited ABN 54 006 027 121

Accumulation 1. Inside. Product Disclosure Statement issued 22 July 2013 by UniSuper Limited ABN 54 006 027 121 Accumulation 1 Product Disclosure Statement issued 22 July 2013 by UniSuper Limited ABN 54 006 027 121 Inside 1. About UniSuper 2. How super works 3. Benefits of investing with UniSuper 4. Risks of super

More information

Understanding Superannuation

Understanding Superannuation Understanding Superannuation Client Fact Sheet July 2012 Superannuation is an investment vehicle designed to assist Australians save for retirement. The Federal Government encourages saving through superannuation

More information

Challenger Guaranteed Allocated Pension

Challenger Guaranteed Allocated Pension Challenger Guaranteed Allocated Pension Product Disclosure Statement (PDS) Dated 1 January 2015 Challenger Retirement Fund Allocated Pension (SPIN CIT0101AU) (ABN 87 883 998 803) (RSE Registration Number

More information

Retirement made easy. Helping you achieve your retirement goals. rest.com.au/restpension 1300 305 778

Retirement made easy. Helping you achieve your retirement goals. rest.com.au/restpension 1300 305 778 Retirement made easy Helping you achieve your retirement goals rest.com.au/restpension 1300 305 778 Helping you achieve your retirement goals As you near retirement you probably have a number of questions

More information

MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide

MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide Preparation date 1 July 2015 Issued by The Trustee, MLC Nominees Pty Limited (MLC) ABN 93 002 814 959 AFSL 230702 The

More information

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

Issued ₁ July ₂₀₁₅. Member guide. SuperLeader Fact sheet. AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379.

Issued ₁ July ₂₀₁₅. Member guide. SuperLeader Fact sheet. AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. Issued ₁ July ₂₀₁₅ Member guide SuperLeader Fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. This is a member guide fact sheet for SuperLeader. It is an important

More information

Your guide to what is included in the MLC MasterKey Business Super Product Disclosure Statement. MLC MasterKey Business Super Insurance Guide

Your guide to what is included in the MLC MasterKey Business Super Product Disclosure Statement. MLC MasterKey Business Super Insurance Guide MySuper Compliant Contents 1 About MLC MasterKey Business Super 1 2 How super works 2 3 Benefits of investing with MLC MasterKey Business Super 2 4 Risks of super 3 5 How we invest your money 3 6 Fees

More information

Statewide. www.statewide.com.au/join

Statewide. www.statewide.com.au/join Statewide Incorporating MySuper and choice investments product disclosure statement Employer-sponsored and personal superannuation members. This document was prepared on 3 August 2015. www.statewide.com.au/join

More information

BT Select Portfolio SuperWrap

BT Select Portfolio SuperWrap BT Select Portfolio SuperWrap Product Disclosure Statement BT Select Portfolio SuperWrap Personal Super Plan BT Select Portfolio SuperWrap Pension Plan Dated 11 March 2013 The distributor of BT Select

More information

Product Disclosure Statement

Product Disclosure Statement 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

ANZ Superannuation Savings Account

ANZ Superannuation Savings Account ANZ Superannuation Savings Account ADDITIONAL INFORMATION GUIDE 21 JUNE 2012 Issued by OnePath Custodians Pty Limited ABN 12 008 508 496, AFSL 238346, RSE L0000673 About this Additional Information Guide

More information

Westpac Personal Superannuation Fund.

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

More information

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

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 Issue Date: 1 July 2015 SUP E R ANNUATION The information in this document forms part of the Product Information Booklets for GESB Super and West State Super, each dated 1 July 2015. You

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

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

Guide to your Nestlé Super. Defined Benefit category IBR

Guide to your Nestlé Super. Defined Benefit category IBR Australia Group Superannuation Fund Guide to your Nestlé Super Defined Benefit category IBR The information in this document forms part of the Nestlé Super Product Disclosure Statement Defined Benefit

More information

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

Supplementary Product Disclosure Statement

Supplementary Product Disclosure Statement The Portfolio Service Superannuation Plan The Portfolio Service 1 July 2014 Supplementary Product Disclosure Statement Issuer: Questor Financial Services Limited ABN 33 078 662 718 AFS Licence No. 240829

More information

Concept One Superannuation Plan and The Industry Superannuation Fund will merge to form. Concept ne

Concept One Superannuation Plan and The Industry Superannuation Fund will merge to form. Concept ne Prepared: 9 November 2012 SIGNIFICANT EVENT NOTICE On 22 February 2013 The Industry Superannuation Fund (TISF) will merge with the Concept One Superannuation Plan (Concept One) and this will result in

More information

Taxpayers Australia Inc

Taxpayers Australia Inc Taxpayers Australia Inc Superannuation Australia (A wholly owned subsidiary of Taxpayers Australia Inc) Glossary of superannuation terms These terms are commonly used in the superannuation sector. Account-based

More information

Challenger Guaranteed Personal Superannuation

Challenger Guaranteed Personal Superannuation Challenger Guaranteed Personal Superannuation Issuer Challenger Retirement and Investment Services Limited (ABN 80 115 534 453) (AFSL 295642 ) (RSE L0001304) Product Disclosure Statement Dated 1 April

More information

Superannuation and Residency Fact Sheet - October 2014

Superannuation and Residency Fact Sheet - October 2014 Superannuation and Residency Fact Sheet - October 2014 A change in residence has significant implications for superannuation. A number of issues arise when an individual relocates overseas whether temporarily

More information

SUMMARY OF RATES AND THRESHOLDS 2015/16

SUMMARY OF RATES AND THRESHOLDS 2015/16 SUMMARY OF RATES AND THRESHOLDS 2015/16 CONTENTS Superannuation rates and thresholds Concessional contributions Non-concessional contributions Capital Gains Tax (CGT) cap amount Untaxed plan cap amount

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

Retirement made easy. Helping you achieve your retirement goals. rest.com.au/restpension 1300 305 778

Retirement made easy. Helping you achieve your retirement goals. rest.com.au/restpension 1300 305 778 Retirement made easy Helping you achieve your retirement goals rest.com.au/restpension 1300 305 778 Helping you achieve your retirement goals As you near retirement you probably have a number of questions

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

Westpac Personal Superannuation Fund Westpac Term Life as Superannuation

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

More information

Defence Bank Super Assured Retirement Savings Account

Defence Bank Super Assured Retirement Savings Account RETIREMENT SAVINGS ACCOUNT (RSA) Defence Bank Super Assured Retirement Savings Account Superannuation fee free. The way it should be for all Australians. General Information and Application Form Product

More information

Product. Disclosure Statement. 2. How superannuation works. 1. About Russell SuperSolution CONTENTS. Russell SuperSolution General Division

Product. Disclosure Statement. 2. How superannuation works. 1. About Russell SuperSolution CONTENTS. Russell SuperSolution General Division Your Product Disclosure Statement Russell SuperSolution General Division 1 July 2015 CONTENTS 1. About Russell SuperSolution...1 2. How superannuation works...1 3. Benefits of investing in Russell SuperSolution...2

More information

Guide for notice of intent to claim a tax deduction for personal super contributions 2014/2015

Guide for notice of intent to claim a tax deduction for personal super contributions 2014/2015 Guide for notice of intent to claim a tax deduction for personal super contributions 2014/2015 Under section 290-170 of the Income Tax Assessment Act 1997 Need Help? For more information about your eligibility

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

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

BT Lifetime Personal Super (BT Super)

BT Lifetime Personal Super (BT Super) BT Lifetime Personal Super (BT Super) Additional Information Booklet Part 1 General Information Dated 1 July 2014 Things you should know The information in this document forms part of the Product Disclosure

More information

SUPERANNUATION. Home Insurance. Super fundamentals. Foundations for your future

SUPERANNUATION. Home Insurance. Super fundamentals. Foundations for your future SUPERANNUATION Home Insurance Super fundamentals Foundations for your future As one of your most important financial investments, it s worth understanding how superannuation works. For many Australians,

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

Taxation of lump sums

Taxation of lump sums MB09 04/12 Taxation of lump sums What you need to know Under current tax law both, your Employer and Member Benefits may be subject to tax if withdrawn as either a rollover or cash lump sum. The only exception

More information

How super is taxed. About this document. Tax on concessional contributions. Concessional contribution tax rates from 1 July 2015:

How super is taxed. About this document. Tax on concessional contributions. Concessional contribution tax rates from 1 July 2015: How super is taxed Date of issue: 1 July 2015 mtaasuper.com.audate Phone: 1300December 362 415 2014 Fax: 1300 365 142 of issue: The information in this document forms part of the Product Disclosure Statement

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

Retirement Income Allocated Pension

Retirement Income Allocated Pension Retirement Income Allocated Pension Information sheet S U P E R A N N U AT I O N This information sheet is intended to provide an overview of the key features and benefits of the Retirement Income Allocated

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

BT Balanced Equity Income Fund

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

More information

LifeTrack Personal Superannuation

LifeTrack Personal Superannuation This product disclosure statement has been produced for the successor fund transfer of existing members of the LifeTrack Superannuation Fund to the IOOF Portfolio Service Superannuation Fund. LifeTrack

More information

Making the Most of Your Super

Making the Most of Your Super Making the Most of Your Super For many people, super is one of the best ways to accumulate wealth. The Government provides tax benefits to encourage people to fund their own retirement. With more Australians

More information

AMP Capital Equity Fund. Product Disclosure Statement Platform (Class A units)

AMP Capital Equity Fund. Product Disclosure Statement Platform (Class A units) AMP Capital Equity Fund Product Disclosure Statement Platform (Class A units) Issued 20 December 2013 Issued by AMP Capital Funds Management Limited ABN 15 159 557 721 AFSL 426455 AMP Capital Equity Fund

More information

State Super retirement FuND

State Super retirement FuND State Super retirement FuND Additional Information Booklet Date of Issue 20 January 2015 State Super Financial Services Australia Limited ABN 86 003 742 756 Australian Financial Services Licence No. 238430

More information

Supplementary Product Disclosure Statement SuperWrap

Supplementary Product Disclosure Statement SuperWrap Supplementary Product Disclosure Statement SuperWrap This Supplementary Product Disclosure Statement ( SPDS ) is dated 20 November 2015 and supplements the Product Disclosure Statement ( PDS ) for SuperWrap.

More information

Contributing to your super

Contributing to your super SUP E R ANNUATION Contributing to your super GESB Super and West State Super ISSUE DATE: 1 July 2015 PREPARATION DATE: 26 June 2015 Government Employees Superannuation Board ABN 43 418 292 917 Contents

More information

RETIREMENT PLANNING. Your guide to I VE BEEN TRANSITIONING TO RETIREMENT FOR FOUR YEARS. IT GIVES ME TAX SAVINGS AND ACCESS TO EXTRA CASH.

RETIREMENT PLANNING. Your guide to I VE BEEN TRANSITIONING TO RETIREMENT FOR FOUR YEARS. IT GIVES ME TAX SAVINGS AND ACCESS TO EXTRA CASH. Your guide to RETIREMENT PLANNING I VE BEEN TRANSITIONING TO RETIREMENT FOR FOUR YEARS. IT GIVES ME TAX SAVINGS AND ACCESS TO EXTRA CASH. DANIEL CLIFFORD, COMBINED SUPER MEMBER Contents > Plan your retirement

More information

SPECIAL ARRANGEMENTS FOR ANZ ONEANSWER

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

More information

Atwood Oceanics Australia Superannuation Plan sub-plan of The Executive Superannuation Fund

Atwood Oceanics Australia Superannuation Plan sub-plan of The Executive Superannuation Fund Atwood Oceanics Australia Superannuation Plan sub-plan of The Executive Superannuation Fund ACCUMULATION DIVISION INCORPORATED INFORMATION Prepared: 11 September 2012 The issuer and Trustee of the Atwood

More information

Zurich Investments Global Growth Share Fund APIR ZUR0580AU

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

More information

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

Additional Information Booklet

Additional Information Booklet SuperWrap Additional Information Booklet Dated 20 November 2015 This Additional Information Booklet ( Booklet ) has been prepared by the issuer of SuperWrap: BT Funds Management Limited ABN 63 002 916

More information

The sooner you start thinking about growing your super, the better. But it s never too late.

The sooner you start thinking about growing your super, the better. But it s never too late. > Get calculating! If you d like to see the effect that personal contributions may have on your final entitlement, access the Super SA Benefit Projector on the Super SA website www.supersa.sa.gov.au. The

More information

Smart End of Financial Year Strategies

Smart End of Financial Year Strategies Level 7,34 Charles St Parramatta Parramatt NSW 2150 PO Box 103 Parramatta NSW 2124 Phone: 02 9687 1966 Fax: 02 9635 3564 Web: www.carnegie.com.au Build Guide Protect Manage Wealth Smart End of Financial

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