Fees and other costs Employer-sponsored and personal superannuation members.
|
|
- Jeffrey Shields
- 7 years ago
- Views:
Transcription
1 Fees and other costs Employer-sponsored and personal superannuation members. This document was prepared on 1 July The information in this document forms part of the Statewide product disclosure statement (PDS) prepared on 1 July
2 Contents Consumer advisory warning 2 Statewide fee table for all investment options 3 Additional explanation of fees and costs 4 Example of annual fees and costs for a MySuper investment option 6 Important information The information in this booklet forms part of the Statewide product disclosure statement (PDS) prepared on 1 July 2016 for employersponsored and personal superannuation members which offers an interest in Statewide, divisions 1 and 2 within the Statewide Superannuation Trust (the fund). The fund is a regulated and complying superannuation fund. Statewide Superannuation Pty Ltd ABN Australian Financial Services Licence (AFSL) Number , is the issuer and Registrable Superannuation Entity (RSE) licensee and trustee of the fund and is authorised to offer a MySuper product (unique identifier ). The information in this booklet is not personal advice. In providing this information to you we have not taken into account your objectives, financial situation or needs. We recommend that you seek professional financial advice from a licensed adviser. This booklet may be updated or replaced at any time. Changes that are not materially adverse will be updated and made available on our website at 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 fund 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. Your employer may be able to negotiate to pay lower administration fees where applicable. Ask the fund or your financial adviser*. To find out more If you d like to find out more, or see the impact of the fees based on your own circumstances, the Australian Securities and Investments Commission (ASIC) website has a superannuation fee calculator to help you check out different fee options. The inclusion of the important information above is required by law. Please note, however, that the ability to negotiate fees is not applicable to Statewide. We strive to keep our fees as low as possible while maintaining effective management of the fund. Fees and costs Statewide is committed to ensuring you re provided with a value for money super product. As an industry fund, we strive to keep fees to a minimum to protect your savings and allow them to grow. This booklet shows the fees and other costs that you may be charged as part of your Statewide membership. These fees and costs may be deducted from your account balance, from the returns on your investment through unit prices, or from the fund assets as a whole. Other fees, such as activity fees, advice fees for personal advice from our financial planners* and insurance fees may also be charged, but these will depend on the nature of the activity, advice or insurance chosen by you. Information about insurance costs are set out in the Insurance in your super booklet and you can find information about taxes in the How super is taxed booklet. You should read all the information about fees and other costs because it s important to understand their impact on your investment. *Financial information and general advice may be provided by representatives of Statewide Superannuation Pty Ltd ABN Australian Financial Services Licence No Any personal advice may be provided by an authorised representative of Industry Fund Services Limited (IFS) ABN AFSL No Fees may apply for financial planning advice. IFS is responsible for the advice given to you by its authorised representatives. The indirect cost ratios for each investment option offered by Statewide are set out on pages 6-9 of the How we invest your money booklet. See also Additional explanation of fees and costs on page 4. Page 2 Fees and costs
3 Type of fee Amount How and when paid Investment fee 0.02% of your account balance per annum. Deducted from the investment option s returns before the allocation of returns through unit prices. Administration fee $78 per annum ($1.50 per week) plus an asset-based fee of 0.06% of your account balance per annum. The dollar-based fee is deducted from your account at the end of each month or on earlier withdrawal from the fund. The asset-based fee is deducted from the returns of each of the investment options before the allocation of earnings to accounts through unit prices. Buy/sell spread Nil Not applicable Switching fee Exit fee Advice fees Relating to all members investing in a particular investment option Other fees and costs* Indirect cost ratio Indirect costs include third-party investment management and performance fees paid by the trustee. Nil for the first switch per financial year. $20 per switch thereafter. $50 for a full withdrawal $35 for a partial withdrawal Nil Additional fees may apply these are disclosed under the heading Additional explanation of fees and costs. Between 0.04% to 0.80% per annum (forecast for ) depending on your chosen investment option(s) see pages 6-9 of the How we invest your money booklet. See also Additional explanation of fees and costs. Deducted from your account at the time of the switch (there are no fees if you request that future contributions be invested in different investment options). Deducted from your account at the time of payment. The fee applies to payments made to you or to another superannuation fund and excludes payments resulting from a claim due to death, total and permanent disablement, terminal illness, financial hardship, specified grounds, payments made to the Australian Taxation Office on your behalf with the exception of lost super or payments due to family law or contribution splits. Not applicable Deducted from the investment option s returns before the allocation of returns through unit prices. *See Additional explanation of fees and costs on page 4 for more information on activity fees, advice fees for personal advice and other costs that may be applied. The fees stated for are estimated third-party investment management fees (including performance fees), based on our current asset allocation and the investment managers who currently manage money for that investment option. The fees stated are therefore predictive and may differ materially from the fees actually incurred. The actual investment management fees are calculated at the end of each year when returns for the year are known. These are published in the annual report. Fees and costs Page 3
4 Additional explanation of fees and costs Family law charges* The trustee allows either the splitting or deferral of a member s account upon separation or divorce. The trustee charges a fee for any requests to comply with the family law provisions. Statewide s charges are: Request for information by member Request for information by non-member An order to split or flag an interest Splitting a benefit Nil $120 (payable at the time of request) $240 (payable at the time of request) $360 (deducted in equal parts from the benefit payments and the retained benefit unless prior arrangements are agreed to) Goods and services tax (GST) All fees and charges are quoted inclusive of GST where applicable. Insurance costs Please refer to the Insurance in your super booklet, available from or by calling us on , for information about insurance costs. The trustee receives % of life only insurance premiums, % of life and total and permanent disablement (TPD) insurance premiums, and % of income protection insurance premiums to cover the cost of insurance administration and other insurance related costs and provisions. Financial advice fee As a Statewide member, you have access to our financial planning service. All fees for using this service are agreed upon in advance, with your first fact finding appointment at no additional cost. You can ask for the fees that relate to your super investment and membership of Statewide to be deducted straight from your super account. You ll be invoiced separately for financial planning relating to advice outside of Statewide super. Financial information and advice may be provided by representatives of Statewide Superannuation Pty Ltd ABN Australian Financial Services Licence No or by authorised representatives of Industry Fund Services Limited (IFS) ABN , AFSL No Fees may apply for financial planning advice. Transaction and operational costs No buy-sell spreads currently apply in respect of any transaction. Transaction and operational costs are either included in the fees set out in the indirect costs section of the table on page 3 or reflected in the market value of the underlying investments in each investment option. They are not charged separately. Other fees* Fees may be charged for specific member requests that are not part of Statewide s normal services. Taxation Please refer to the How super is taxed booklet, available from or by calling us on , for the impact of tax on super, fund earnings and benefit payments. Any tax benefit the fund may receive will be reflected in the amount available for distribution to members or held in reserves. Contributions tax rebate Each year the trustee calculates a partial contributions tax rebate on the insurance premiums deducted from members accounts. The contributions tax rebate is allocated to eligible members accounts at the end of the financial year or on earlier withdrawal from the fund. Fee changes From time to time, the trustee may increase its fees. Members will be provided with 30 days prior notice in writing of such increases. Indirect costs Indirect costs include third-party investment management fees and performance fees paid by the trustee. These fees are not charged to members directly. They are deducted from the relevant investment option s returns before the declaration of unit prices. Investment management and performance fees Statewide pays fees to investment advisers and managers to manage the assets in each of the investment options. Investment costs are shown as a percentage of the fund s assets to which they apply. The percentages vary from year to year, reflecting the blend of investment managers used and any performance fees paid. The investment management fees shown in the How we invest your money booklet, available from or by calling us on , are the total investment management fees inclusive of investment performance fees shown in the table on page 5. Defined fees The fees marked* under the heading Additional explanation of fees and costs are activity fees. A fee is an activity fee if: 1. the fee relates to costs incurred by the trustee of the superannuation entity that are directly related to an activity of the trustee: a) that is engaged in at the request, or with the consent, of a member, or b) that relates to a member and is required by law, and 2. those costs are not otherwise charged as an administration fee, an investment fee, a buy-sell spread, a switching fee, an exit fee, an advice fee or an insurance fee. An administration fee is a fee that relates to the administration or operation of the superannuation entity and includes costs incurred by the trustee of the entity that: 1. relate to the administration or operation of the entity, and 2. are not otherwise charged as an investment fee, a buy-sell spread, a switching fee, an exit fee, an activity fee, an advice fee or an insurance fee. A fee is an advice fee if: 1. the fee relates directly to costs incurred by the trustee of the superannuation entity because of the provision of financial product advice to a member by: a) the trustee of the entity, or b) another person acting as an employee of, or under an arrangement with, the trustee of the entity, and 2. those costs are not otherwise charged as an administration fee, an investment fee, a switching fee, an exit fee, an activity fee or an insurance fee. A buy-sell spread is a fee to recover transaction costs incurred by the trustee of the superannuation entity in relation to the sale and purchase of assets of the entity. Statewide does not currently have a buy/sell spread on its investment options. An exit fee is a fee to recover the costs of disposing of all or part of members interests in the superannuation entity. Page 4 Fees and costs
5 The indirect cost ratio (ICR), for a MySuper product or an investment option offered by a superannuation entity, is the ratio of the total of the indirect costs for the MySuper product or investment option, to the total average net assets of the superannuation entity attributed to the MySuper product or investment option. Note: a dollar-based fee deducted directly from a member s account is not included in the indirect cost ratio. An investment fee is a fee that relates to the investment of the assets of a superannuation entity and includes: 1. fees in payment for the exercise of care and expertise in the investment of those assets (including performance fees), and 2. costs incurred by the trustee of the entity that: a) relate to the investment of assets of the entity, and b) are not otherwise charged as an administration fee, a buysell spread, a switching fee, an exit fee, an activity fee, an advice fee or an insurance fee. A switching fee is a fee to recover the costs of switching all or part of a member s interest in the superannuation entity from one class of beneficial interest in the entity to another. A fee is an insurance fee if: 1. the fee relates directly to either or both of the following: a) insurance premiums paid by the trustee, or the trustees, of a superannuation entity in relation to a member or members of the entity b) costs incurred by the trustee, or the trustees, of a superannuation entity in relation to the provision of insurance for a member or members of the entity, and 2. the fee does not relate to any part of a premium paid or cost incurred in relation to a life policy or a contract of insurance that relates to a benefit to the member that is based on the performance of an investment rather than the realisation of a risk, and The forecast performance fees and investment management fees for * can be found in the table below: Forecast performance fees and investment management fees for * (%) Investment option Performance fees Investment management fee (excludes performance fee) Total investment management fee Cash Diversified Bonds Conservative Conservative Balanced Active Balanced Sustainable Diversified MySuper High Growth Australian Shares International Shares *The actual performance fees and investment management fees are calculated at the end of each year when returns for the year are known. Performance fees are payable to investment managers when they achieve an investment return higher than the agreed target. 3. the premiums and costs to which the fee relates are not otherwise charged as an administration fee, an investment fee, a switching fee, an exit fee, an activity fee or an advice fee. Fees and costs Page 5
6 Generally performance fees are deducted from the fund s earnings before unit prices are declared and are calculated as follows: Average assets managed over 12 months (e.g. $50 million) x % return above target (e.g. 1%) x performance fee percentage (e.g. 10%) = Performance fee $50 million X 1% X 10% = $50,000 (This is an example of how performance fees are calculated, not the actual amount.) Example of annual fees and costs for the MySuper investment option This table gives an example of how the fees and costs for the MySuper investment option can affect your super investment over a one-year period. You should use this table to compare this product with other super products. EXAMPLE - MySuper option Type of fee Amount Balance of $50,000 Investment fees 0.02% per annum For every $50,000 you have in the MySuper option you will be charged $10 each year PLUS Administration fees $78 per annum ($1.50 per week) plus an assetbased fee of 0.06% per annum of your account balance And, you will be charged $78 in administration fees regardless of your balance plus an asset-based fee of $30 per annum PLUS Indirect costs for the MySuper option EQUALS Cost of product 0.70% per annum (forecast for ) * And, indirect costs of $350* per annum will be deducted from your investment If your balance was $50,000, then for that year you will be charged fees of $468 for the Statewide MySuper option. Note: Additional fees may apply. And, if you leave Statewide, you may also be charged an exit fee of $50 (if you withdraw/rollover your entire account balance) or $35 (per partial withdrawal/rollover). * The fees stated for are estimated third-party investment management fees (including performance fees), based on our current asset allocation and the investment managers who currently manage money for that investment option. The fees stated are therefore predictive and may differ materially from the fees actually incurred. The actual investment management fees are calculated at the end of each year when returns for the year are known. These are published in the annual report. Warning: additional fees may be applicable, e.g. insurance premiums and/or financial planning fees. Page 6 Fees and costs
7 This page has been left blank intentionally. Fees and costs Page 7
8 Significant benefits and risks Statewide assists you to save for your retirement in a tax-effective environment. It enables you to tailor your investment strategy to your own needs and attitude to risk, as well as offering you a choice of insurance cover for death, total and permanent disablement and income protection. You should be aware that if you leave the fund within a few years of joining, you may get back less than the amount of contributions paid in because of the level of investment returns earned by the fund, the fund s charges and the impact of tax. This booklet is based on current laws, and laws affecting superannuation may change at any time. The trustee is committed to ensuring that the fund is prudently managed. This commitment is evident via a number of measures such as corporate governance policies and codes of conduct. Information on these can be found on our website. The trustee wants to make the following information clear to you: Neither the performance of the fund, the repayment of capital nor any particular rate of return is guaranteed by the trustee, the investment managers, service providers or associated companies of the parties mentioned in the booklet. Investment markets do fluctuate. If the investment options you choose are not right for you, you may not achieve the goals you set. Member Services: info@statewide.com.au Address: 211 Victoria Square, Adelaide, SA 5000 Postal address: GPO Box 1749, Adelaide SA 5001 Statewide Superannuation Pty Ltd ABN (AFSL ) trustee and RSE licensee of Statewide Superannuation Trust ABN The information provided is of a general nature. It does not consider your specific needs nor is it intended to be financial product advice. You should obtain independent financial advice and consider the applicable product disclosure statement before making an investment decision. Financial information and general advice may be provided by representatives of Statewide Superannuation Pty Ltd ABN Australian Financial Services Licence No Any personal advice may be provided by an authorised representative of Industry Fund Services Limited (IFS) ABN AFSL No Fees may apply for financial planning advice. IFS is responsible for the advice given to you by its authorised representatives. Fees and costs_
Fees and costs guide (BA.5)
Fees and costs guide (BA.5) Issued 1 January 2016 The information in this document forms part of the ESSSuper Accumulation Plan Product Disclosure Statement dated 1 January 2016. Contents Fees and costs
More informationFees 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 informationStatewide. 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 informationSupplementary 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 informationwww.statewide.com.au/join
How we invest your money Employer-sponsored and personal superannuation members. This document was prepared on 3 August 2015. The information in this document forms part of the Statewide product disclosure
More informationFEES & 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 informationState Super. Fee Booklet. Date of Issue 20 January 2015
State Super Personal Retirement Plan ALLOCATED PENSION FUND Fee Booklet Date of Issue 20 January 2015 State Super Financial Services Australia Limited ABN 86 003 742 756 Australian Financial Services Licence
More informationDefence Bank Super Type of fee Amount How and when paid
Fees and Costs This fact sheet details all the fees and costs that may apply to your account. It s designed to be read in conjunction with the Product Disclosure Statement and is subject to review from
More informationSuper 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 informationSuperannuation 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 informationHelping you own your retirement. North Super and Pension. Product Disclosure Statement Part A
North Super and Pension Product Disclosure Statement Part A Helping you own your retirement North Personal Superannuation and Personal Pension Issue Number 7, 1 July 2014 To be read in conjunction with
More informationSummit Personal Super and Personal Pension
Summit Personal Super and Personal Pension Product Disclosure Statement Issue Number 10, 6 January 2014 Registered trademark of NMMT Limited ABN 42 058 835 573 Summit Personal Super and Personal Pension
More informationYour 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 informationState Super. Fee Booklet. Date of Issue 20 January 2015
State Super TAILORED SUPER PLAN FLEXIBLE INCOME PLAN Fee Booklet Date of Issue 20 January 2015 State Super Financial Services Australia Limited ABN 86 003 742 756 Australian Financial Services Licence
More information2015 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 informationProduct 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 informationMember 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 informationKPMG 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 informationBT 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 informationPersonal 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 informationASC 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 informationTempleton Global Equity Fund
Date: 12 May 2014 (ARSN 104 669 427) Product Disclosure Statement Franklin Templeton Investments Australia Limited (ABN 87 006 972 247, AFS Licence Number 225328) Contacting us: If you have any questions
More informationBT 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 informationBT 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 informationSUPER 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 informationProduct 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 informationMyState Wealth Management Superannuation Account Product Disclosure Statement
MyState Wealth Management Superannuation Account Product Disclosure Statement 19 August 2015 CONTENTS Important Information 1 1. About the Mystate Wealth Management Superannuation Account 2 2. How Super
More informationStatewide Pension. www.statewide.com.au
Statewide Pension Combined financial services guide and product disclosure statement This document was prepared on 3 August 2015. www.statewide.com.au Contents Welcome to the Statewide Pension 3 The Statewide
More informationNorth. Super and Pension Guarantee. Product Disclosure Statement Part B. Issue number 11, 30 March 2015
Issue number 11, 30 March 2015 North Super and Pension Guarantee Product Disclosure Statement Part B North Personal Superannuation and Personal Pension North Guarantee To be read in conjunction with North
More informationPlum 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 informationProduct 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 informationBT 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 informationMERCER GLOBAL CREDIT FUND Product Disclosure Statement
MERCER GLOBAL CREDIT FUND Product Disclosure Statement 1 June 2015 ARSN: 141 046 282 APIR: MIN0032AU Contents Page 1. About Mercer Investments (Australia) Limited 2 2. How the Mercer Global Credit Fund
More informationMERCER GLOBAL LOW VOLATILITY SHARES FUND Product Disclosure Statement
MERCER GLOBAL LOW VOLATILITY SHARES FUND Product Disclosure Statement 1 June 2015 ARSN: 154 973 154 APIR: MIN0083AU Contents Page 1. About Mercer Investments (Australia) Limited 2 2. How the Mercer Global
More informationEQT Diversified Fixed Income Fund
EQT Diversified Fixed Income Fund Product Disclosure Statement ARSN 601 989 815 APIR ETL0420AU Issue Date 10 August 2015 This Product Disclosure Statement ( PDS ) has been prepared and issued by Equity
More informationTelstra 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 informationAustralian 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 informationApplication Form and Rollover Form
Super Division Application Form and Rollover Form Version 21, Issued 1 July 2016 EXCEPTIONAL BENEFITS! Only Water Corporation employees have access to our super fund. So join today and don t miss this
More informationChallenger 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 informationBT Wholesale Ethical Share Fund
BT Wholesale Ethical Share Fund Product Disclosure Statement (PDS) Issued 22 June 2011 Contents 1 About BT Investment Management (RE) Limited 2 How the BT Wholesale Ethical Share Fund works 3 Benefits
More informationMEMBER 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 informationYour 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 informationChallenger Guaranteed Income Fund (For IDPS investors)
Guaranteed Income Fund (For IDPS investors) Product Disclosure Statement (PDS) Dated 27 April 2012 Challenger (ARSN 139 607 122) Responsible Entity Challenger Retirement and Investment Services Limited
More informationwe make it easy for you
Insurance Guide PDS Supplement we make it easy for you Dated 10 November 2015 CARE Super Pty Ltd (Trustee) ABN 91 006 670 060 AFSL 235226 CARE Super (Fund) ABN 98 172 275 725 PDS Supplement The information
More informationBendigo Growth Fund. Product Disclosure Statement Dated 1 January 2016. Contents. Important Information
Bendigo Growth Fund Product Disclosure Statement Dated 1 January 2016 This Product Disclosure Statement ( PDS or Statement ) is issued by Sandhurst Trustees Limited (ABN 16 004 030 737, AFSL No. 237906)
More informationADVANCE AUSTRALIAN SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS)
ADVANCE AUSTRALIAN SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) Issued: 1 July 2015 ARSN 087 296 008 APIR ADV0045AU Contents 1. About Advance Asset Management Limited... 2 2. How the Fund
More informationBendigo Conservative Index Fund
Bendigo Conservative Index Fund Product Disclosure Statement Dated 1 January 2016 This Product Disclosure Statement (PDS or Statement) is issued by Sandhurst Trustees Limited (ABN 16 004 030 737, AFSL
More informationANZ 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 informationFinancial Services Guide
1 July 2014 Financial Services Guide This Financial Services Guide (FSG) is an important document which provides you with information to help you decide whether to use our financial services. Your financial
More informationProduct 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 informationYour 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 informationREST 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 informationReliance 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 informationBT Wholesale Multi-manager Australian Shares Fund
BT Wholesale Multi-manager Australian Shares Fund Product Disclosure Statement ( PDS ) Issued 1 July 2015 ARSN 118 469 720 APIR BTA0259AU Contents 1. About BT Funds Management Limited 2 2. How the Fund
More informationMyState Wealth Management Superannuation Account Reference Guide
MyState Wealth Management Superannuation Account Reference Guide 19 August 2015 Superannuation Account Reference Guide 1 Trustee and Issuer: The Trust Company (Superannuation) Limited ABN 49 006 421 638
More informationAccumulation 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 informationPerennial Value Shares Wholesale Trust
Contact details Responsible Entity Perennial Investment Management Limited Registered Office Level 6, 161 Collins Street Melbourne VIC 3000 Phone 1300 730 032 (Australia) +612 8274 2777 (NZ) Investment
More informationSupplementary 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 informationSupplementary 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 informationVanguard High Growth Index Fund
Product Disclosure Statement 28 August 2013 Vanguard High Growth Index Fund This Product Disclosure Statement (PDS) is issued by Vanguard Investments Australia Ltd ABN 72 072 881 086 AFSL 227 263 (Vanguard,
More informationProduct 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 informationSymetry Personal Retirement Fund
Issued by: Avanteos Investments Limited (AIL) ABN 20 096 259 979, AFSL 245531 as trustee for the Symetry Personal Retirement Fund ABN 24 685 968 122, RSE L0002691, Registration R1056600 Unique Superannuation
More informationADVANCE INTERNATIONAL SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS)
ADVANCE INTERNATIONAL SHARES MULTI-BLEND FUND Product Disclosure Statement (PDS) Issued: 1 July 2015 ARSN 087 295 501 APIR ADV0053AU Contents 1. About Advance Asset Management Limited... 2 2. How the Fund
More informationOneAnswer Frontier Personal Super and Pension. Fees Guide
OneAnswer Frontier Personal Super and Pension Fees Guide 1 July 2014 Entity details in this guide Name of legal entity Registered numbers Abbreviated terms used throughout the PDS OnePath MasterFund ABN
More informationHOSTPLUS 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 informationMember 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 informationState 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 informationPersonal 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 informationSuper Funds Comparison Worksheet
Super Funds Comparison Worksheet This worksheet has been prepared for new and prospective Defined Contribution members of. However, it is NOT relevant to Income Stream, Market Linked Pension or Defined
More informationThe Managed Fund Service
The Managed Fund Service Financial Services Guide and IDPS Guide Issue No 3 (preparation of this Guide was completed by Ausmaq on 10 April 2014) Issued by Ausmaq Limited (ABN 53 062 527 575, AFSL 230684)
More informationLifeTrack 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 informationSuper 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 informationOpportunities. Contents. 1 About Principal Global Investors. 2 How the Principal Global Credit June 2012. 3 Benefits of Investing in the Principal
RESEARCH RESOURCES Product Disclosure Statement RESULTS Principal Global Credit Opportunities Fund Contents 1 About Principal Global Investors (Australia) Limited 2 How the Principal Global Credit June
More informationIOOF Pursuit Select. Contact us. Investment Service. IDPS Guide. Postal address. Service Operator. Telephone. Registered address. Fax. Email.
Service Operator GPO Box 264 Melbourne VIC 3001 IOOF Investment Management Limited ABN 53 006 695 021 AFS Licence No. 230524 Telephone 1800 062 963 Registered address Fax Level 6, 161 Collins Street Melbourne
More informationDimensional Short Term Fixed Interest Trust
Dimensional Short Term Fixed Interest Trust PRODUCT DISCLOSURE STATEMENT Issued by DFA Australia Limited ( Dimensional ) ABN 46 065 937 671 APIR DFA0100AU Australian Financial Services Licence number:
More informationT. Rowe Price Wholesale Plus Global Equity Fund
T. Rowe Price Wholesale Plus Global Equity Fund Product Disclosure Statement ( PDS ) Issued 10 August 2015 ARSN 602 109 357 APIR BTA0538AU Contents 1. About BT Funds Management Limited 2 2. How the Fund
More informationHow 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 informationProduct. 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 informationZurich Investments Equity Income Fund
Zurich Investments Equity Income Fund APIR ZUR0538AU Product Disclosure Statement (PDS) Issue date 1 July 2015 Strategic investment partner: Denning Pryce Pty Ltd 1. About Zurich Investments Zurich Investment
More informationUBS Diversified Fixed Income Fund Product Disclosure Statement
12 October 2015 UBS Diversified Fixed Income Fund Product Disclosure Statement Issue No. 3 ARSN: 090 428 372 APIR: SBC0007AU MFUND: UAM06 Issued by UBS Global Asset Management (Australia) Ltd ABN 31 003
More informationBT 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 informationAusbil 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 informationIOOF Employer Super. Pension. Product Disclosure Statement. Staff Superannuation Plan. Dated: 31 October 2014. a sub-plan of IOOF Employer Super
IOOF Employer Super IOOF Employer Super Pension Product Disclosure Statement Dated: 31 October 2014 Staff Superannuation Plan a sub-plan of IOOF Employer Super Prepared by IOOF Investment Management Limited.
More informationProduct Disclosure Statement
Product Disclosure Statement BT Wholesale Core Global Share Fund Issued 24 July 2015 Contents 1 About BT Investment Management (Fund Services) Limited 2 How the BT Wholesale Core Global Share Fund works
More informationThis document is a Fact Sheet for the Product Disclosure Statement dated 22 May 2010 for Flexible Lifetime - Super and Allocated Pension ( PDS ).
Fact sheet 4 Fees and other costs This document is a Fact Sheet for the Product Disclosure Statement dated 22 May 2010 for Flexible Lifetime - Super and Allocated Pension ( PDS ). CONTENTS PAGE Taxation
More informationMacquarie Index Tracking Global Bond Fund Product Disclosure Statement
Macquarie Index Tracking Global Bond Fund Investment Management 4 July 206 Macquarie Index Tracking Global Bond Fund Product Disclosure Statement Contents. About Macquarie Investment Management Australia
More informationFIDUCIAN AUSTRALIAN SHARES FUND
PRODUCT DISCLOSURE STATEMENT FIDUCIAN AUSTRALIAN SHARES FUND ARSN 093 542 271 2 MARCH 2015 This Product Disclosure Statement (PDS) provides a summary of significant information about the Fiducian Australian
More informationVanguard Australian Shares Index Fund Product Disclosure Statement
Vanguard Australian Shares Index Fund Product Disclosure Statement 7 November 2011 This Product Disclosure Statement (PDS) is issued by Vanguard Investments Australia Limited ABN 72 072 881 086 AFSL 227
More informationProduct Disclosure Statement (PDS) Issued 12 September 2014
Product Disclosure Statement (PDS) Issued 12 September 2014 Nikko AM-Tyndall Australian Share Wholesale Fund Contents 1 About Nikko Asset Management Australia Limited 2 How the Nikko AM-Tyndall Australian
More informationAMP Superannuation Savings Trust Register of significant event notifications
AMP Superannuation Savings Trust Register of significant event notifications This register provides a summary of significant event and material change notifications issued to members of the AMP Superannuation
More informationfinancial services guide ipac financial planning
financial services guide ipac financial planning The financial services guide (FSG) helps you to understand who ipac securities limited (ipac) ABN 30 008 587 595 Australian Financial Services Licence No.
More informationAccumulation 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 informationZurich 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 informationMember 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 informationImportant Information
Russell High Growth Fund Class C ARSN: 111 170 122 APIR: RIM0030AU 1 June 2015 Important Information Contents 1. About Russell Investment Management Ltd... 2 2. How the Fund works... 2 3. Benefits of investing
More informationTelstra Super Personal Plus Application Please complete this application form to open a Telstra Super Personal Plus account.
Telstra Super Personal Plus Application Please complete this application form to open a Telstra Super Personal Plus account. RED SECTIONS FOR YOUR INFORMATION GREY SECTIONS TO FILL OUT INVESTMENT CHOICE
More informationAMP 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 informationFinancial Services Guide (FSG)
$ FINANCIAL SERVICES GROUP mybroker Financial Services Group (ASIC No. 434770) Financial Services Guide (FSG) Version November 2012 www.mybrokerservices.com.au mybroker Financial Services Group FSG The
More informationEQT Australian Equity Income Fund (Common Fund No. 12)
EQT Australian Equity Income Fund (Common Fund No. 12) Product Disclosure Statement mfund EQY02 ARSN 167 772 830 APIR ETL0399AU Issue Date 1 July 2014 This Product Disclosure Statement ( PDS ) has been
More informationLump 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