your super your choice

Transcription

1 your super your choice transportsuper.com.au

2 your super guide 4 8 who we are it s rewarding S S SS SS SS people, planet and profit our community involvement group your super savings get to know us in person or online insurance, just in case getting your money in order our track record

3 We serve with care and expertise so that you can reap the financial rewards of a great working life. Excellent performance We aim to provide the best possible return over the long term Low fees Our fees are significantly lower than the industry average Platinum service Our people work really hard to make super easy for you Really good advice Our advisors can be trusted to focus solely on your needs Responsible investment For a more sustainable future Member owned An industry super fund all operating profits are returned to members

4 who we are

5 Your fund Transport Super is part of MyLife MySuper and we are an award-winning family of industry superannuation and financial services. With over 45 years experience supporting Australian workers, the fund has delivered a history of outstanding service and superior investment performance to all members. With fees well below the industry average, we have consistently proven to be one of the best value for money industry super funds in Australia and been recognised for demonstrating excellent environmental and social principles. We are open to everyone and offer financial planning and advice services across Australia. For more information about Transport Super: Visit: transportsuper.com.au Call:

6 your life, your super, your choice

7 Your team You are served by a team of understanding, compassionate and highly-skilled individuals. From our friendly Superannuation Specialists who provide general advice, to our investment professionals, who are some of the best in the business, there is a common goal to give you peace of mind about your money. Our Superannuation Specialists are only a phone call away and ready to help you set up your future. Our Board is elected and each Director is a member. Members not only share the profits but also shape our future. We are trusted by our members with their superannuation savings. We deliver excellent long-term returns and consistently exceed our targets as well as those of other funds. Service is the heart of what we do. We want to help you with understanding and knowledge. If you need something clarified or sorted out, call us. We are real people who know what to do and how to help you. We are not a bank or a profit making corporation. All operating profits end up in your super. We provide financial advice to help secure your future. Our Financial Planners are independent of big banks and commercial corporations. They do not receive commissions or bonuses because your money should work for you. 7

8 it s rewarding

9 Outstanding growth since 1971 Throughout the good and hard times, MyLife MySuper has successfully protected and grown our members super savings. We re proud of our position as one of the most successful super funds and we are focused on growing your savings over the long-term. We aim to grow your super and increase your personal wealth. We do this by setting investment targets above inflation (CPI) so your money is not eroded by inflation and high fees. Look how we ve performed over the past 10 years and compare us to others. How $50,000 has grown in the Balanced option over the last 10 years* $92,000 $50,000 $74,000 $50,000 OTHERS *Dollar figures calculated based on MyLifeMyMoney Superannuation Fund rolling per annum return to 30 June 2016 compared to SuperRatings SR50 Balanced (60-76) Index Master Trust Median rolling 10 year return as at 30 June Past performance is not an indicator of future performance. 9

10 Your investment options: your choice With 14 options to choose from, deciding where to invest your super is a very important personal choice. Your investment style depends on your age, your income, your savings, and your personal circumstances, including how close you are to retirement. The good news is we can help you choose. To help you understand the choices, please see details of each option including the increase we have achieved over the last ten years (or less where applicable).* For example our Australian Shares option increased by 102% over ten years. This means that $50,000 in this option increased to $101,000. Investment Options What we invest in Suggested Timeframe Australian Shares 100% Australian shares Very long (7-10 years+) 102 % Increase over the last 10 years $101,000 RISK LEVEL VERY HIGH 7 $50,000 Aggressive Australian and Overseas shares, Property, Infrastructure, Private equity Very long (7-10 years+) 94 % $97,000 $50,000 RISK LEVEL HIGH 6 Moderately Aggressive Australian and Overseas shares, Property, Private equity, Infrastructure, Fixed interest, Cash Very long (7-10 years+) 89 % $95,000 $50,000 RISK LEVEL HIGH 6 Overseas Shares 100% growth assets Very long (7-10 years+) 73 % $86,000 $50,000 RISK LEVEL HIGH 6 10 *Dollar figures calculated based on MyLifeMyMoney Superannuation Fund rolling per annum return to 30 June 2016.

11 Investment Options Investment Options What we invest in Suggested Timeframe Increase over the last 10 years Property 100% Property, Listed property (20% growth assets 80% defensive assets) Long (5-10 years+) 107 % $103,000 $50,000 RISK LEVEL MEDIUM-HIGH 5 Balanced (MySuper option) Australian and Overseas shares, Property, Infrastructure, Private equity, Fixed interest, Cash Long (5-10 years+) 85 % $92,000 $50,000 RISK LEVEL MEDIUM-HIGH 5 Moderately Conservative Australian and Overseas shares, Property, Infrastructure, Fixed interest, Cash Short to Medium 75 % (3-5 years+) $88,000 $50,000 RISK LEVEL MEDIUM 4 Conservative Australian and Overseas shares, Property, Infrastructure, Fixed interest, Cash Short to Medium (3-5 years+) 75 % $88,000 $50,000 RISK LEVEL LOW-MEDIUM 3 Diversified Fixed Interest 100% Fixed interest Medium (3-5 years+) 57 % $78,000 RISK LEVEL LOW-MEDIUM 3 $50,000 Cash 100% Cash Short (1 year+) 47 % $74,000 RISK LEVEL VERY LOW 1 $50,000 11

12 Recent Investment Options Investment Options What we invest in Suggested Timeframe Increase over the last 3 years Conservative Balanced Australian and Overseas shares, Property, Private equity, Fixed interest, Cash, Infrastructure Medium (5 years+) 26 % $63,000 $50,000 RISK LEVEL MEDIUM-HIGH 5 RetirePlus Australian and Overseas shares, Property, Cash, Infrastructure Medium (5 years+) 24 % $62,000 $50,000 RISK LEVEL MEDIUM 4 Retire Stable Australian and Overseas shares, Property, Cash, Infrastructure Short to Medium (3-5 years+) This option commenced 1 April 2015, so no long-term data is available yet. RISK LEVEL LOW-MEDIUM 3 Self Managed Option Investment Option What you can invest in Offers members a new level of choice and direct control over their investments through an online investment and share trading option. You can now invest in a range of shares, exchange traded funds (ETFs) and term deposit options. More information For more details, please refer to mylifemysuper.com.au/ mylifemyportfolio. Past performance is not an indicator of future performance.

13 Risk Ratings for Investment Risk Ratings Risk Label Estimated number of negative annual returns over any 20 year period RISK LEVEL VERY HIGH 7 Very high 6 or Greater RISK LEVEL HIGH 6 RISK LEVEL MEDIUM-HIGH 5 RISK LEVEL MEDIUM 4 RISK LEVEL LOW-MEDIUM 3 RISK LEVEL LOW 2 RISK LEVEL VERY LOW 1 High 4 to less than 6 Medium to high 3 to less than 4 Medium 2 to less than 3 Low to medium 1 to less than 2 Low 0.5 to less than 1 Very Low Less than 0.5 Each investment option includes a risk rating, these are the Risk Bands and Labels used by MyLife MySuper to help you compare options. These ratings represent the likely number of negative annual returns expected over any 20 year period. 13

14 people, planet and profit Chair of the Investor Group on Climate Change Listed in the 2014 Low Carbon Investment (LCI) Registry September 2014 addressed world leaders during UN Climate Summit Featured in the Financial Institutions Taking Action on Climate Change 2014 report Australian Council of Superannuation Investors (ACSI) Founding member A C S I Australian Council of Super Investors Inc. Our fund has OVER $500,000,000 invested in low carbon transition investments 2014 Global Investor Statement on Climate Change Signatory Australian Founding Signatory to UN Principles for Responsible Investment (UNPRI) 2003 commenced utilising domestic and global ESG engagement specialists Carbon Disclosure Project (CDP) FOUNDATION MEMBER 14

15 A more sustainable future We understand that the welfare of our members in retirement is influenced by the social and environmental amenity of the world in which they live. Investment in our future An important aspect of our investment philosophy is to make sure every dollar works for you responsibly. Responsible investment is all about achieving returns as well as investing in socially and/or environmentally sustainable investments. The fund has over half a billion dollars of investments in low carbon transition assets. These assets meet both our risk and return objectives and are also contributing towards a climate resilient economy. We strive to achieve the best investment returns, and do so responsibly. For us, a sustainable future is built on our people, planet and profit. From the outset, it is about risk and return Climate change is a risk we consider in investment decisions We achieve strong returns from low carbon transition investments We invest in low carbon opportunities when our risk and return objectives are met Contribute towards the transition to a low carbon, climate adaptable economy and will continue to do so. 15

16 our community involvement

17 Community investments These are just some of the fantastic projects which deliver great returns, are sustainable, responsible and benefit the broader community. Royal Adelaide Hospital South Australia Due for completion in 2017, the hospital will be the largest, most technologically advanced hospital in Australia and will form part of a Medical Research Precinct employing around 6,000 people. Queen Elizabeth II Medical Centre Car Park and Childcare Centre Western Australia We built and now manage the Queen Elizabeth Medical Centre car park and childcare facilities, providing stronger support to the Perth community. Aspire Schools Queensland As part of a consortium, we re building and maintaining seven new schools in South East Queensland, helping to support one of the fastest-growing communities in Australia. QEII Medical Centre car park and childcare centre Perth Aspire Schools Brightwater, Queensland 17

18 group your super and save SG

19 Save money by grouping your super quickly and easily Did you know you pay fees on every super account you have? No one wants to have their super lying around in inactive accounts creating extra paperwork and unnecessary fees. Our members were more than $14,000 better off over the last 10 years than the average person. We delivered an additional $11,000 in returns than the average super fund, while charging $3,000 less in fees.* Imagine how much more super you can save by grouping your other accounts with us! Visit: transportsuper.com.au Call: How? Simply call us and we ll do the work for you: 1. Search for all your lost super and ATO lost money 2. See all your super in one place 3. Group all the accounts you want. No forms required! Simple! * Information and dollar figures quoted from the SuperRatings Benchmark Report 2016, based on a member s account with a starting account balance and salary of $50,000. Past performance is not an indicator of future performance. 19

20 get to know us in person or online

21 A simple way to access your details MyLife Online gives you access to your membership any time. You can see how your super savings are growing, make investment choices and update your details. On our website you can also use: Join Online Rate My Super an independent tool which compares MyLife MySuper with other funds Calculators Your insurance needs, budget planner and other easy to use tools. If you prefer a more personal approach, our Superannuation Specialists will meet with you at your workplace, home or cafe. You can also give us a call or attend free workshops held regularly around the country. Visit: transportsuper.com.au Call:

22 insurance, just in case

23 It s good to be covered Did you know that you can get low cost insurance through your super? If something happens, you and your family can be looked after with insurance that covers loss of life, income or disability. Types of insurance Income Protection Many people insure their house or car but overlook insuring their greatest asset - their future earnings. If you are unable to work because of illness or injury, this insurance will replace part of your future earnings. We ve created a handy survey to help you assess the level of insurance appropriate for you and your family. Simply log onto MyLife Online and access the MyLife MyInsurance portal or telephone our Superannuation Specialists to arrange cover today. Total and Permanent Disablement Insurance If you become disabled and unfit to ever be able to work again, this insurance will give you a lump sum payment. Death If you become terminally ill, this insurance will give you a lump sum payment. If you pass away the lump sum payment is made to your family or estate. Who gets your super if you were to pass away? Please let us know who you would like us to pay. Visit: mylifemyinsurance.com.au Call:

24 getting your money in order S SS S S S

25 Financial advice and planning As well as growing your super and providing low cost insurance, we also offer a team of skilled and experienced financial advisers who focus solely on you and your needs. Our qualified financial advisers can help you achieve your lifetime financial goals. They are impartial because they are salaried employees and do not receive incentives to recommend any particular product or service providers. Simple help is provided free to Transport Super members. More detailed advice taking into account your personal circumstances is available for a reasonable fee. (In most cases, this can be paid directly from your super account.) Do you need help with your everyday finances? We can help you: set financial goals and budget plan for a comfortable retirement protect yourself and your family with insurance manage debt pay no more tax than you have to understand age pensions and other Centrelink issues with estate planning with aged care advice, and with salary packaging. 25

26 our track record

27 We are recognised Like you, we take pride in doing the best we can. We strive to deliver customer satisfaction through service that is at the forefront of the industry. That s what distinguishes us from other funds. That s why we re Best Pension Fund Manager winner in Money Magazine s Best of the Best 2017 awards. Our Fund has been awarded the SuperRatings Platinum rating. The rating means we are a best value for money superannuation fund and is testimony that we are providing a service that is focused on you and your staff, with low fees and high performance. We have been recognised as having the most satisfied superannuation customers in Australia.* * Roy Morgan Research survey of members of Australia s top 20 funds for the Superannuation and Wealth Management in Australia Report May

28 We d love to hear from you Call am to 8pm AEST Monday to Friday Visit transportsuper.com.au info@transportsuper.com.au Post GPO Box 4303 Melbourne VIC 3001 Brisbane 5/303 Coronation Drive Milton QLD 4064 Canberra 3/59 Wentworth Ave Kingston ACT 2604 Darwin 1 Dashwood Place Darwin NT 0820 Geelong Ashby House 1 Malone Street Geelong VIC 3220 Hobart 35 Tower Road New Town TAS 7008 Melbourne 1/535 Bourke Street Melbourne VIC 3000 Perth St Brigid s Centre 60 John Street Northbridge WA 6003 Sydney Polding Centre 7/133 Liverpool Street Sydney NSW 2000 Warrnambool Suite Raglan Parade Warrnambool VIC 3280 Issued by CSF Pty Limited (ABN ; AFSL ), the Trustee of the MyLifeMyMoney Superannuation Fund (ABN ; SPIN CSF0100AU). The information contained herein is about the Fund and is general information only. It has been prepared without taking into account your personal investment objectives, financial situation or needs. It is not intended to be, and should not be construed in any way as, investment, legal or financial advice. TS