MEMBER GUIDE PRODUCT DISCLOSURE STATEMENT

Size: px
Start display at page:

Download "MEMBER GUIDE PRODUCT DISCLOSURE STATEMENT"

Transcription

1 MEMBER GUIDE PRODUCT DISCLOSURE STATEMENT Date of issue: 13 August 2015

2 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 4. Risks of super 8 5. How we invest your money 9 6. Fees and costs How super is taxed Insurance in your super How to open an account 20 This Product Disclosure Statement (PDS) is a summary of significant information and contains a number of references to important information (each of which forms part of the PDS). You should consider this information before making any decisions concerning Super SA Select. The information provided in this PDS is general information only and does not take into account your personal financial situation or needs. You should therefore obtain financial advice that is tailored to your personal circumstances. Latest copies of this PDS and incorporated documents are available at or by calling Changes to the information in this PDS will be notified on the Super SA website. Where changes are of a materially adverse nature, Super SA will also issue a replacement PDS. For the complete rules of Super SA Select, please refer to the Trust Deed and Rules. These set out the rules under which Super SA Select is administered and entitlements are paid.

3 3 1. ABOUT SUPER SA SELECT Super SA Select is a super fund launched by the South Australian Government in Super SA Select is a taxed accumulation fund which is the type most commonly used across Australia. As a public sector super fund, Super SA Select is run entirely to benefit members: It is not for profit so fees are kept as low as possible. Security and integrity, not sales or shareholders, are the focus. Trust Deed and Rules The Southern Select Super Corporation is established under the Public Corporations (Southern Select Super Corporation) Regulations Southern Select Super Corporation is Trustee of Super SA Select which is established and governed by a Trust Deed and Rules. Super SA is the administrator of Super SA Select. Super SA Select and the LISC Triple S Scheme members are ineligible to receive the Commonwealth Government s Low Income Super Contribution (LISC). Members of the Triple S Scheme who decide that it would be advantageous to receive the LISC can do so by joining Super SA Select. They also need to ensure the LISC s other eligibility criteria are met. The LISC has been legislated to continue until the end of the financial year. Super SA Select and Triple S Join Super SA Select and all future contributions will be directed to your Super SA Select Account. You will then have two options regarding your Triple S balance: 1. Retain your current super balance in Triple S. OR 2. Roll your entire super balance out of Triple S and into Super SA Select.

4 4 SUPER SA SELECT > PDS 2. HOW SUPER WORKS Super is a powerful way of saving for your retirement. It s an investment in your future! The Commonwealth Government s tax concessions and incentives are there to help boost your super savings. While you are working it s compulsory for your employer to make contributions of 9.5% of your salary into your super fund. These contributions are known as the Superannuation Guarantee (SG). While most people can choose which super fund they would like their super paid into, as a SA public sector employee, you only have the option of having your employer contributions paid into the Triple S Scheme or Super SA Select. Types of contributions to super Employer contributions include your minimum 9.5% employer contributions and salary sacrifice contributions. Voluntary contributions after-tax contribution: paying money into your super from your take-home pay. (You can t claim a tax deduction for your after-tax contributions.) salary sacrifice contribution: asking your employer to deduct extra money from your pay before tax is taken out and to pay this into your super. Government Co-Contribution is a payment you could receive from the Commonwealth Government, if you qualify, for making after-tax contributions to your super. Low Income Super Contribution (LISC) is a payment of up to $500 pa from the Commonwealth Government to people with an adjusted taxable income of less than $37,000. It is calculated as 15% of the concessional (before tax) contributions your employer makes. The LISC has been legislated to continue until the end of the financial year. Making contributions Organise automatic fortnightly payments to be deducted straight from your pay. Choose after-tax or salary sacrifice, or both. Make after-tax lump sum payments by cheque, money order or BPAY. Use the Personal Super Contributions Calculator on the Super SA website at to compare salary sacrifice and after-tax contributions.

5 5 2. HOW SUPER WORKS CONT D Contribution caps The Commonwealth Government has set certain contribution caps on the amount of concessionally taxed super you can contribute or receive. Further information on caps and tax rates is available in the How super is taxed section. Withdrawals The Commonwealth Government has established certain limits on when you can access your super. You can access your super when you stop working, subject to Commonwealth Government preservation rules. You can also access your super when you reach your preservation age, whilst still working through an arrangement known as Early Access to Super (EATS). Commonwealth Government preservation age Date of birth Entitlement preserved until age Before 30 June July 1960 to 30 June July 1961 to 30 June July 1962 to 30 June July 1963 to 30 June After 1 July Important note: Commonwealth Government preservation rules are different from the preservation rules that apply to other Super SA administered schemes. You need to be aware of this if you are rolling money into Super SA Select from Triple S. Information about the Triple S preservation rules can be found in the Triple S PDS. Rolling over your super As with the Triple S Scheme, any part of your rollover that was subject to preservation before it is transferred into Super SA Select will remain subject to the Commonwealth Government s preservation rules and also cannot be rolled out while you are employed in the SA public sector. You should read the important information about how super works in the Grow Your Super fact sheet and Accessing your Super fact sheet before making a decision. Go to to view these fact sheets. The material relating to contributions, growing and accessing your super may change between the time when you read this PDS and the day when you acquire the product.

6 6 SUPER SA SELECT > PDS 3. BENEFITS OF INVESTING WITH SUPER SA SELECT Super SA Select can help you make the most of your super! Low fees and competitive insurance Low administration fee: Just $1.35 a week! Insurance: Super SA Select members continue their insurance in the Triple S Scheme. Through Triple S most members have access to Income Protection Insurance and Death and Total and Permanent Disablement Insurance. See page 18 for more information. Great ways to grow your super Flexible contributions: Choice of after-tax and salary sacrifice contributions. Choice of two investment options: Choose to have your super invested in the Balanced or Cash investment options. Additional employer contribution: You get an employer contribution of 10% if you contribute 4.5% or more of your salary after tax. Access to your super while you re working Early Access to Super: You have the option to access your super when you reach your preservation age using an income stream even if you re still working. Platinum rated retirement products Exclusive to Super SA members are the Super SA Income Stream and the Flexible Rollover Product. Both have been given the highest ratings by independent researchers. SUPER SA PRODUCT DISCLOSURE STATEMENT SUPER SA member guide: Date of issue: 18 August 2014 F lexible member guide: Rollover Product Income Strea m Product disclosure statement Date of issue: June 2012

7 7 3. BENEFITS OF INVESTING WITH SUPER SA SELECT CONT D Super SA Select members have access to a wide range of services. Visit to: get your super balance download a fact sheet or form see how your super s performing Mobile site a super snapshot unit prices selected forms Come along to a free seminar to: understand your super learn how to grow your super start your retirement plans Visit or call our Member Centre for: info from highly trained staff explanations about your options a one-on-one consultation Financial planning options for members: commission free financial planning onsite Industry Fund Services (IFS) choose your own financial planner Financial Planning Association of Australia

8 8 SUPER SA SELECT > PDS 4. RISKS OF SUPER All investments have some type of risk and super is no different. Different investment options may carry different levels of risk, depending on the assets that make up that option. Generally, the investment options that offer the highest long term returns may also carry the highest level of short term risk. So when it comes to your super, it s important to know: the value of your super investment may go up and down the level of your returns will vary returns are not guaranteed and you may lose some of your money future returns may differ from past returns laws affecting super may change. Your choice of risk level will vary depending on a range of factors including your age, investment time frame, your other investments and your risk tolerance. As a Super SA Select member, you should be aware that capital losses are possible, depending on the investment option you choose and its performance over time. This is due to the volatility of investment markets. It s also important to keep in mind that your future super savings, including contributions and investment earnings, might not be enough to provide you with the lifestyle you want in retirement. You should read the important information about risks of super before making a decision. Go to the Investment fact sheet at The material relating to risks of super may change between the time when you read this PDS and the day when you acquire the product.

9 9 5. HOW WE INVEST YOUR MONEY Your super is generally invested across a range of assets including cash, fixed interest, property and shares. Investment options Super SA Select has two investment options for members to choose from. When you join Super SA Select, you have the choice of investing your super in either the Balanced or Cash option. You can only invest in one investment option at a time. If you don t make a choice your super is invested in the Balanced option. Investment Option Target rate of return Investment horizon Balanced default CPI + 4% 7 yrs+ Cash Maintain capital value 0 yrs+ You should seek independent financial advice to ensure that your investment option is suited to your personal needs. When choosing an investment option in which to invest, you should consider: the likely investment return the level of risk your investment time frame Use the What Type of Investor Am I? calculator at to find out what level of risk you are comfortable with.

10 10 SUPER SA SELECT > PDS 5. HOW WE INVEST YOUR MONEY CONT D Switching options You can switch investment options at any time. You can only invest your super in one investment option Balanced or Cash. The first switch in any financial year is free and there s a $20 fee for subsequent switches in the same financial year. To make a switch download the Investment Choice form from our website and return it to Super SA. Switching investment options is an important decision and you should seek professional financial advice. Switching timeframes Investment switches are generally processed twice weekly as follows: Form received by: 5pm Monday 5pm Thursday Unit price applied: Unit price effective the following Thursday Unit price effective the following Tuesday These times may be varied for operational reasons, such as public holidays. Prior to variations members will be notified via the Super SA website. The unit price applied to a switch will represent the market value of an investment option calculated after the published deadline for the receipt of Investment Choice forms.

11 11 5. HOW WE INVEST YOUR MONEY CONT D Investment details for the Balanced (default) option 1 Description Investment return objective CPI + 4% Asset allocation This option is structured for investors with an investment time horizon of at least seven years. Annual returns may be volatile. This option is invested in the range of 50% 70% in Growth assets (shares, certain types of property, private equity and other growth opportunities) and the balance in Defensive assets (such as cash and fixed interest). Strategic Asset Allocation Australian Equities 22% International Equities 18% Property 12% Diversified Strategies (Growth) 8% Diversified Strategies (Income) 15% Inflation Linked Securities 12% Fixed Interest 11% Cash 2% Min suggested time frame Summary risk level 7 years It is likely that a negative return might be expected to occur between three and four years in 20. Risk classification Medium to high risk (Risk Band 5) 2 1 Figures current at 1 July The Standard Risk Measure is based on industry guidance. You should read the important information about investments, including the Cash option, responsible investing, and how investment options may be changed, before making a decision. Go to the Investment fact sheet at The material relating to investments may change between the time when you read this PDS and the day when you acquire the product.

12 12 SUPER SA SELECT > PDS 6. FEES AND COSTS Consumer Advisory Warning 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. To find out more If you would like to find out more, or see the impact of fees based on your own circumstances, the Australian Securities and Investments Commission (ASIC) website, has a superannuation calculator to help you check out different fee options. Fees and costs for Balanced investment option The table opposite shows fees and costs that you may be charged for the Balanced investment option and can be used to compare costs between different super products. These fees and costs may be paid directly from your super account or deducted from your investment earnings, depending on the fee or cost.

13 13 6. FEES AND COSTS CONT D Super SA Select Balanced Type of Fee Amount How and when paid Investment fee Nil The applicable investment costs are included in the indirect cost ratio below. Administration fee 1 $1.35 per week ($70.20 per year) Deducted from your account on a fortnightly basis. Buy-sell spread fee Nil Not applicable Switching fee $20 for each switch, cost of the first switch waived each financial year. The fee for the second and subsequent switches are deducted from your account at the time of the switch. Exit fee Nil Not applicable Advice fees relating to all members investing in the default option or other investment options Other fees and costs 2 Nil. If you consult a financial adviser additional fees will be payable. Not applicable Indirect cost ratio 3 (ICR) 0.59% Fee deducted from the product s investment returns before earnings are allocated to your account which occurs through twice weekly determined unit prices (not deducted directly from your account). 1 If your account is closed during a year a minimum fee of $10 is charged. 2 For information on other fees and costs such as activity fees (Family Law) and insurance fees refer to the Additional explanation of fees and costs section in the Fees & Costs fact sheet. 3 The ICR represents all investment management costs for the year and varies across investment options. Investment costs vary from year to year.

14 14 SUPER SA SELECT > PDS 6. FEES AND COSTS CONT D Balanced option - fee example This table gives an example of how the fees and costs in the Balanced option for this product can affect your super investment over a one year period. You should use this table to compare this product with other superannuation products. Example: Balanced option Balance of $50,000 Investment fees Nil For every $50,000 you have in Balanced you will be charged $0 each year. PLUS Administration fees PLUS Indirect costs for Balanced EQUALS Cost of product $70.20 ($1.35 per week) And you will be charged $70.20 in administration fees regardless of your balance. 0.59% And indirect costs of $295 each year will be deducted from your investment. $ If your balance was $50,000, then for that year you will be charged fees of $ for the Balanced investment option. Additional fees may apply. Super SA does not charge commissions or receive commissions from financial advisers, sales agents or any other person or entity. To see how fees and costs may affect your account balance, use the calculator on Super SA s website or on the ASIC website at

15 15 6. FEES AND COSTS CONT D Super SA Select is a not for profit fund and endeavours to keep fees and costs low for members. As our fees are already as low as possible, it s not possible to negotiate lower fees. Changes to fees and costs Occasionally, fees might need to rise to cover costs without your consent. If this happens, we ll give you 30 days prior written notice. Member Benefit Protection Super SA Select provides protection to members with account balances under $1,000. The member-protected administration fee is the lesser of investment earnings or $1.35 per week, with a minimum annual administration fee of $10. Fees paid to Financial Advisers If you consult a financial adviser additional fees will be payable. For more information refer to the Statement of Advice (SOA) received from your financial adviser. If you get financial advice from Industry Fund Services (IFS) you can pay for the financial planning service direct from your Super SA Select Account. You should read the important information about fees and costs including fees applicable to each of the other investment options in the Fees and Costs fact sheet at before making a decision. Further information about the defined fees can be found at The material relating to fees and costs may change between the time when you read this PDS and the day when you acquire the product.

16 16 SUPER SA SELECT > PDS 7. HOW SUPER IS TAXED Unlike many other forms of savings, super is treated favourably under tax legislation. Tax is applied to your super in three different ways: on before-tax contributions made by you or your employer on the investment earnings, and when you withdraw your super. Tax and contribution caps The Commonwealth Government has set certain caps on the amount of concessionally taxed super you can contribute or receive: Before-tax contributions are capped at $35,000 each financial year if you are aged 50 or over. They are capped at $30,000 each financial year if you are aged 49 or under. This includes contributions made by your employer and any salary sacrifice contributions. Before-tax contributions are known as concessional contributions. After-tax contributions are capped at $180,000 each financial year or, if you are under age 65 during the financial year, you can bring forward the cap for two years to contribute up to $540,000 in one year. After-tax contributions are known as non-concessional contributions. Exceeding these caps will incur the highest marginal rate plus Medicare levy and 2% Temporary Budget Repair Levy on the excess amount. Tax on contributions The tax applied to contributions is determined by their source before-tax or after-tax monies and compliance with the contribution caps set by the Commonwealth Government. The tax rates on contributions are based on provision of your Tax File Number (TFN). Without a TFN your before-tax contributions are subject to the highest marginal rate plus Medicare levy. See page 18 for information on providing your TFN to Super SA.

17 17 7. HOW SUPER IS TAXED CONT D Contribution Example Tax 1 Before-tax contributions (concessional) After-tax contributions (non-concessional) 1 Contributions tax. employer contributions salary sacrifice personal after-tax contributions 15% 0% Tax on investment earnings As with most other super funds, Super SA Select is required to pay up to 15% tax on its investment earnings. The tax will be applied to the fund as a whole and will be reflected in the unit price of each investment option. Tax on withdrawals How your super is taxed when you withdraw your super depends on: the various components that make up your balance provision of your Tax File Number (TFN) your age when you take a benefit. The tax that applies to lump sum withdrawals from your Super SA Select Account depends on your age. Your age Under Commonwealth preservation age 1 Tax on taxable (taxed) component 20% maximum rate (no cap) Commonwealth preservation age 1 to or over Tax free 0% tax up to $195, % tax on balance (no cap) Please note: The 2% Medicare levy and the 2% Temporary Budget Repair Levy are also deducted when tax is payable if you take your entitlement in cash. 1 Commonwealth Government preservation ages are listed in the How super works section of this PDS. 2 From 1 July 2015.

18 18 SUPER SA SELECT > PDS 7. HOW SUPER IS TAXED The tax rates on contributions and withdrawals are based on provision of your TFN. Without a Tax File Number (TFN) your before-tax contributions and withdrawals are subject to the highest marginal rate plus Medicare levy. Providing your TFN To ensure your entitlement is taxed at concessional rates, and that any after-tax contributions you make are accepted into your Account, you should provide your TFN to Super SA. If you do not, you will pay tax at a higher rate. Online: Sign in to the secure member area at and type your TFN into the My Details page. By mail: Download the Tax file number notification form and send it to Super SA. You should read the important information about how super is taxed before making a decision. Go to the Tax fact sheet at and read how taxation affects Super SA Select. The material relating to how super is taxed may change between the time when you read this PDS and the day when you acquire the product.

19 19 8. INSURANCE IN YOUR SUPER Super SA Select members can take advantage of the flexible and low-cost insurance offered through Triple S. The size and scale of Triple S means it can provide low-cost flexible insurance options. Retaining insurance through a scheme with a larger pool of members means that premiums can be kept as low as possible for Super SA Select members. Most members of Super SA Select will have access to: Income Protection Insurance (IP) Death and Total and Permanent Disablement (TPD) Insurance Refer to the Triple S PDS for further information on insurance. Insurance premiums and Triple S An amount equal to the premiums for any Income Protection or Death & Total and Permanent Disablement (TPD) Insurance you have within Triple S will be deducted from your Super SA Select Account and paid into your Triple S account. You will see these transactions summarised on your Annual Statement for your Triple S and Super SA Select accounts. Even if you transfer your Triple S balance to Super SA Select, your Triple S account will remain open for the purpose of continuing your Triple S insurance. The insurance cost is automatically deducted from your Super SA Select Account and transferred across to Triple S. Use the Super SA Insurance Calculator on the website to help you work out how much Death and TPD Insurance you need within Triple S.

20 20 SUPER SA SELECT > PDS 9. HOW TO OPEN AN ACCOUNT Join Super SA Select and all future contributions will be directed to your Super SA Select Account. Joining Super SA Select is only a step away! Complete the Application form located at the back of this PDS and return it to Super SA. Cooling off You have 19 calendar days from when you join to decide if Super SA Select is the right choice for you. During this time you can cancel your membership of Super SA Select. If you cancel your Super SA Select membership in the cooling off period any administration fees applied to your account will be reversed and the balance of your account will be rolled over to Triple S using the unit price effective at the date of cancellation. The amount you receive will also be less any withdrawals made during your membership and any taxes payable. To close your account during the cooling-off period, you need to send a written request to Super SA at the address shown on the back cover of this PDS. Once you join Super SA Select you will have two options regarding your Triple S balance: 1. Retain your current super balance in Triple S. OR 2. Roll your entire super balance out of Triple S and into Super SA Select.

21 21 9. HOW TO OPEN AN ACCOUNT CONT D Considerations before joining Super SA Select is subject to Commonwealth preservation rules which are different from the preservation rules for Triple S. You need to be aware of this if you are rolling money into Super SA Select from Triple S. It is important to be aware that: If you choose to become a member of Super SA Select, your membership in Super SA Select is irrevocable by you, you will no longer be permitted to direct your employer and member contributions to Triple S and all future employer and member contributions will be directed to Super SA Select. If you leave the employment of the SA public sector or a Participating Employer (together referred to hereonin as Employer ), and then subsequently return to employment with an Employer while you are still a member of Super SA Select, you will be required to direct all future employer and member contributions to Super SA Select. In the event you leave the employment of an Employer and subsequently return to employment with an Employer when you are no longer a member of Super SA Select, then you will be required to direct all your future employer and member contributions to the Triple S Scheme. It is therefore important that you seek professional advice from a licensed financial adviser on whether Super SA Select is right for you.

22 22 SUPER SA SELECT > PDS Complaints resolution process The Southern Select Super Corporation as Trustee aims to resolve all matters through its internal enquiry and complaints processes via Super SA. If you have any concerns with a product or service provided by Super SA and our Member Service Centre has not been able to provide a satisfactory response, you can escalate the matter by lodging a formal complaint with Super SA. Complaints need to be in writing and may be submitted in the following ways: Website: Complete and submit the online Member Complaint Form. Download, complete and send the Member Complaint Form to Super SA. Mail: Complaints Officer, Super SA, GPO Box 48, Adelaide SA 5001 Fax: If the Complaints Officer cannot resolve the issue you may choose to appeal to the Administrative and Disciplinary Division of the District Court or have the matter investigated by the State Ombudsman. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to for details of its ratings criteria.

23 APPLICATION FORM 1 Please complete all the details on this form in BLOCK LETTERS and return it to Super SA. 1. PERSONAL DETAILS 2. TAX FILE NUMBER Mr Ms Miss Mrs Dr Prof Surname Given name(s) Residential address Supplying your TFN to Super SA Select is optional. However, if you choose not to supply your TFN: Tax at the top marginal rate plus medicare levy will be deducted from your employer and salary sacrifice contributions. After-tax voluntary contributions cannot be accepted. You may not receive a Co-contribution or Low Income Super Contributions. My Tax File Number is: Postcode Postal address (if different from above) If you provide your TFN it will only be used for legal purposes and it will assist in finding and identifying your super entitlements now and in the future. Declining to provide your TFN is not an offence. Postcode Date of birth / / Male Female Employee Number Telephone (M) (W) (H) 3. INVESTMENT OPTIONS Please refer to the Investment section on pages 9 to 11 of the Super SA Select Product Disclosure Statement (PDS) to assist you in selecting an investment option. Please select one option only: Balanced Cash 4. PERSONAL CONTRIBUTIONS If you do not make a choice your money will be invested in the Balanced option Your after-tax contributions into Super SA Select will continue at the same rate as elected under Triple S. If you wish to change your contribution rate you need to complete section 5 below. 5. CONTRIBUTION RATE CHANGE I hereby elect to vary my after-tax contribution rate to Super SA Select. Please note: There is no limit on the percentage of after-tax contributions that you are able to make. However, the percentage needs to be a whole percentage unless you are making 4.5%.* When working out the percentage of after-tax contributions that you wish to make, you need to remember that your after-tax contributions are based on a percentage of your salary before tax. Therefore, you need to ensure that you do not elect to contribute an amount greater than your take home pay. How to contribute After-tax Download the Change to contribution rate form Send it to Super SA Salary sacrifice Download the Salary Sacrifice contributions through employer (non-executives) form Forward it to your payroll office Contributing at a rate of 4.5% or more of salary increases employer contributions from 9.5% to 10%. Please tick one of the following: 10% 9% 8% 7% 6% 5% 4.5% 3% 2% 1% 0% Other (please specify %) NOTES: Only active Super SA Select members can vary their after-tax contribution rate. An active member is defined as member who is contributing from their before-tax or after-tax salary; is receiving employer Superannuation Guarantee (SG) contributions; or is on Leave Without Pay. There are no costs involved for members who choose to make contributions, other than the normal Super SA Select administration fee. You can change your contribution rate at any time and there is no charge for doing so. *Members of Super SA Select who are employed as SA Police Officers, SA Ambulance Operational staff or SA Ambulance staff who transferred into Triple S from the SA Ambulance Service Superanuation Scheme are required to make an after-tax contribution of at least 4.5% of their superannuation salary. Form updated: 13 August 2015

24 APPLICATION FORM 2 Please complete all the details on this form in BLOCK LETTERS and return it to Super SA. 6. APPLICANT DECLARATION Please note that once you join Super SA Select, your membership is irrevocable while you continue to be employed by the SA public sector or a participating employer. Please refer to the How to open an account pages of the Super SA Select PDS, and the information on the right, for important information on the impact of joining Super SA Select. Please complete all the details on this form and return the signed original to Super SA. Contact us In person: Ground floor, 151 Pirie Street Adelaide SA 5000 Postal: PO Box 48, Adelaide, SA 5001 Call: (08) (for regional callers) Fax: (08) Website: I hereby apply to become a member of Super SA Select and declare that: I have read and accept the PDS and related information. I understand that the Southern Select Super Corporation, as Trustee, will invest my super according to my choice of investment option and I accept full responsibility for my investment choice and acknowledge that I am aware of the consequences of making such an election. I give consent for any of my personal information, including but not limited to medical, non-medical and employment information, to be exchanged between Super SA Select and Triple S. The information supplied on this form is true and correct. I understand that as a member of Super SA Select I am bound by the rules set out in the Trust Deed and Rules. I understand that when I become a member of Super SA Select, and subject to the cooling off period specified in the Super SA Select PDS: my membership in Super SA Select is irrevocable by me; I will no longer permitted to direct employer and member contributions to Triple S; and all future employer and member contributions will be directed to Super SA Select, while I continue to be employed by the SA public sector or a participating employer. I understand that if I leave the employment of the SA public sector or a participating employer and subsequently return to employment with the SA public sector or a participating employer whilst still a member of Super SA Select, all future employer and member contributions will be directed to Super SA Select. I understand that if I leave the employment of the SA public sector or a participting employer and subsequently return to employment with the SA public sector or participating employer when I am no longer a member of Super SA Select, then I will be required to join Triple S. Any existing salary sacrifice arrangement in Triple S will cease when I apply to become a member of Super SA Select. I understand that I will need to establish a new arrangement in Super SA Select. I understand that the Super SA Select PDS dated 13 August 2015 represents a summary of the terms and conditions under which the the Southern Select Super Corporation, as Trustee, offers this product and that the complete terms and conditions are set out in the Trust Deed and Rules. The terms and conditions are subject to any changes in Commonwealth Acts and Regulations. I understand that the Super SA Select PDS is a general guide and does not contain personal financial advice. I understand that Super SA may use the information I have provided to send me extra information about my super or to conduct surveys regarding current or future services. Please note, if you provide your address, then Super SA will keep you informed with Super SA Select e-news and may from time to time also send additional communications by electronic means, including Super SA Select announcements, invitations and surveys. You may opt out of this service at any time. Signature: Date: / /. Form updated: 13 August 2015

25 If you require further information please contact Super SA: Website: Member Services: Ground Floor 151 Pirie Street (enter from Pulteney Street) Adelaide SA 5000 Postal address: GPO Box 48 Adelaide SA 5001 Telephone: (08) (for regional callers) Fax: (08) ABN:

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

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

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

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

FEES & COSTS. Fact Sheet > Triple S. To find out more visit www.supersa.sa.gov.au IN THIS FACT SHEET

FEES & COSTS. Fact Sheet > Triple S. To find out more visit www.supersa.sa.gov.au IN THIS FACT SHEET > 1 Consumer Advisory Warning 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

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

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

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

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

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

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

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 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

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

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

Lump Sum My Retirement

Lump Sum My Retirement Lump Sum My Retirement General advice warning The schemes administered by Super SA are exempt public sector schemes and therefore we are not required to hold an Australian Financial Services licence to

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

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

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

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

INVESTMENT. Understanding your investment in super doesn t have to be hard. You don t need to be a financial whiz to make it work for you!

INVESTMENT. Understanding your investment in super doesn t have to be hard. You don t need to be a financial whiz to make it work for you! 1 Understanding your investment in super doesn t have to be hard. You don t need to be a financial whiz to make it work for you! You just need to understand your options and how you can make the most of

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

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

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

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

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

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

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

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

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

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

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

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

Accumulation Account Guide. Issued 3 August 2015

Accumulation Account Guide. Issued 3 August 2015 Issued 3 August 2015 2 WINNER 2015 Our superannuation product identification number (SPIN) is QSU0101AU (Accumulation) Our superannuation fund number (SFN) is 2610 419 41 Our MySuper authorisation number

More information

understand how West State Super operates. 5. How we invest your money 4

understand how West State Super operates. 5. How we invest your money 4 SUP E R ANNUATION West State Super Product Information Booklet Contents This Product Information Booklet (PIB) outlines the main features and benefits of West State Super and how your account 1. About

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

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

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

SOUTH AUSTRALIAN AMBULANCE SERVICE SUPERANNUATION SCHEME

SOUTH AUSTRALIAN AMBULANCE SERVICE SUPERANNUATION SCHEME SOUTH AUSTRALIAN AMBULANCE SERVICE SUPERANNUATION SCHEME Product Disclosure Statement Product Disclosure Statement Date of issue: September 2015 IMPORTANT INFORMATION Issuer Super SA Board ABN 81 557 964

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

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

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

Product Disclosure Statement. Your guide to AvSuper for Income Stream Members

Product Disclosure Statement. Your guide to AvSuper for Income Stream Members Product Disclosure Statement Your guide to AvSuper for Income Stream Members 1 July 2015 Contents welcome 1 transition to retirement 2 starting an Income Stream 3 accessing your money 4 your beneficiaries

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

Super Saver Induction Booklet

Super Saver Induction Booklet VISION SUPER YOUR INDUSTRY SUPER FUND Super Saver Induction Booklet December 2013 99 Low fees and great value for money 99 Automatic Income Protection and Death & Disability cover 99 No commissions or

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

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

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

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

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

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

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

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

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

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

To find out more visit www.supersa.sa.gov.au IN THIS FACT SHEET

To find out more visit www.supersa.sa.gov.au IN THIS FACT SHEET > 1 Income Protection insurance provides a fortnightly income of up to 75% of your salary while you are off work due to temporary or permanent incapacity for a maximum period of 24 months or to age 60,

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

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

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

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

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

Planning for retirement

Planning for retirement Planning for retirement 1 Disclaimer This presentation contains general advice current as at April 2016 and has been prepared without taking account of your objectives, financial situation or needs. Before

More information

Supplementary Product Disclosure Statement

Supplementary Product Disclosure Statement AMA Financial Services Medical & Associated Professions Superannuation Fund a sub-plan of IOOF Employer Super Employer and Personal Super Supplementary Product Disclosure Statement Dated: 1 June 2014 Issuer:

More information

The level of Death and TPD insurance members receive when they join Triple S is as follows:

The level of Death and TPD insurance members receive when they join Triple S is as follows: > 1 Triple S Death and Total and Permanent Disablement (TPD) insurance provides cover to help ease the financial burden in case of your illness, injury or death. The level of Death and TPD insurance members

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

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

Sunsuper for life guide

Sunsuper for life guide Sunsuper for life guide Want to know more about: Superannuation Income in retirement Preparation date: 9 June 2015 Issue date: 1 July 2015 Contents 1 Benefits of investing with Sunsuper for life 1 Here

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

Tax and your CSS benefit

Tax and your CSS benefit CSF27 04/12 Tax and your CSS benefit Who should read this? All contributing CSS members. What is in this fact sheet? > > What should I know up front? > > My benefits in the CSS > > How are contributions

More information

Fees and other costs. MySuper. Member Booklet Supplement. 1 July 2015

Fees and other costs. MySuper. Member Booklet Supplement. 1 July 2015 Member Booklet Supplement Fees and other costs 1 July 2015 The information in this document forms part of the First State Super Member Booklets (Product Disclosure Statements) for: Employer Sponsored members

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

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

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

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

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

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

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

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

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

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

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 GuildSuper product disclosure statement

your GuildSuper product disclosure statement your GuildSuper product disclosure statement Issued 1 July 2014 Contents About GuildSuper 2 How super works 2 Benefits of investing with GuildSuper 3 Risks of super 3 How we invest your money 4 Fees and

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

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

Notice of intent. Fact sheet and form. What this fact sheet covers. Who is this fact sheet for? When should I complete a notice of intent?

Notice of intent. Fact sheet and form. What this fact sheet covers. Who is this fact sheet for? When should I complete a notice of intent? Fact sheet and form Notice of intent A notice of intent to claim or vary a deduction for personal super contributions (notice of intent) allows you to claim a tax deduction for your personal contributions,

More information

Integrity Australian Share Fund

Integrity Australian Share Fund Integrity Australian Share Fund Product Disclosure Statement (PDS) Issued 21 June 2012 Contents 1 About Integrity Investment Management Australia Limited 2 How the Integrity Australian Share Fund works

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

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

Ausbil Investment Trusts Australian Active Equity Fund

Ausbil Investment Trusts Australian Active Equity Fund Contactus@ ausbil.com.au Ausbil Investment Trusts Australian Active Equity Fund Product Disclosure Statement 18 December 2014 ARSN 089 996 127 APIR AAP 010 3AU mfund AXW01 Commenced April 1997 Issue Number

More information

g Simon, Teacher, DECD Trevor points out: They re independent and not necessarily peddling a product.

g Simon, Teacher, DECD Trevor points out: They re independent and not necessarily peddling a product. super insight g Simon, Teacher, DECD Triple S Scheme August 2013 don t play catch-up! In This Issue Try and get in early to avoid playing catch-up! That s the key message from Triple S member Trevor. Like

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

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

AustChoice Super general reference guide (ACH.02)

AustChoice Super general reference guide (ACH.02) AustChoice Super general reference guide (ACH.02) Issued: 28 May 2015 This guide contains important information not included in the AustChoice Super PDS. We recommend you read this entire guide. The information

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

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

How super works. VicSuper FutureSaver Member Guide

How super works. VicSuper FutureSaver Member Guide How super works 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

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

Defined Benefits Fund guide

Defined Benefits Fund guide Defined Benefits Fund guide Queensland local government employees other than Brisbane City Council, Queensland Urban Utilities and associated employees Closed to new members from 1 July 1998 Date prepared:

More information

SALARY PACKAGING SUPERANNUATION GUIDE TO EMPLOYEES

SALARY PACKAGING SUPERANNUATION GUIDE TO EMPLOYEES SALARY PACKAGING SUPERANNUATION GUIDE TO EMPLOYEES Superannuation Introducing Salary Packaging Salary packaging has been made available to all staff of the University through the Enterprise Agreement process.

More information