Super easy. Whether you work full-time, part-time, contract or freelance, Media Super is the fund for you.
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1 Super made easy Whether you work full-time, part-time, contract or freelance, Media Super is the fund for you.
2 Freelance, full-time, contract or casual? If you work in Australia s print, media, entertainment or arts industries, Media Super works for you. Personal Sometimes it s easier to work through something face-toface. That s where our Business Development Managers come in (or rather, come to you). They ll answer your general questions, or talk you through the big picture over the phone or face to face whatever is easiest for you. Invests in you From supporting Australian film and television to the sponsorship of talent programs and awards we do all that we can to advance the print, media, entertainment and arts industries and create more work for our members. Investments to suit all investors Want to take control of your investments? With Media Super you can. Or, if you feel more comfortable leaving the investing to the experts, you can be confident with our MySuper authorised Balanced option, which has returned an average of 8.44% per year since inception.* Lower fees We want you to retire with as much super as you possibly can. To make sure that happens, we return all profits to our members, keep our fees low, and do everything we can to deliver you the highest possible return. Low-cost, great insurance cover Because your health, family and earning potential are your most valuable assets, Media Super gives eligible new members a default level of Death and Total and Permanent Disablement (TPD) and Income Protection cover when they join. Our premiums are competitive and we make it straightforward for you to increase or decrease your level of cover. There for you in your working life and beyond These days, there s a whole lot more to super than just saving for retirement. Not only do we help you save, we can also help you plan for your life after work and make the most of our flexible pension options. * Based on returns of the super Balanced investment option from 1 January 1987 to 30 June These returns are net of investment fees and the indirect cost ratio only and do not reflect the administration fees. Historical returns before 1 July 2008 are based on former Print Super investment returns. Investment warning: Investment returns are not guaranteed and past performance gives no indication of future returns. Print. Media. Entertainment. Arts. 2
3 Run only to benefit our members To ensure that you can save as much super as possible, Media Super is run only to benefit our members. This means we do everything possible to keep the costs of managing your super low and ensure that all profits go back to members. Media Super s low fees Type of fee* Amount SIMPLE FACT Administration fee Investment fee Indirect cost ratio $65 p.a. ($1.25 per week) plus 0.10%p.a. of your account balance in administration costs Pre-mixed, Single Asset Class and Lifecycle options: 0.04% to 0.56% p.a. of your account balance, depending on your investment choice. Direct Investment option: 0.10% p.a. of your account balance plus $209 p.a. (indexed). Varies from 0.00% to 1.79% p.a. of your account balance, depending on your investment choice (estimated for ). If you pay an extra 1% each year in fees at another super fund, you could lose up to 20% from your retirement benefit over 30 years. (source: * Other fees and costs may apply. For more information see Fees and Costs in the Additional Information about your super guide or Pensions Guide PDS available at mediasuper.com.au/resources. Solid, long-term performance Super is a long-term investment. As a solid, long-term performer, Media Super is focused upon delivering you outstanding returns over the long term. Balanced Option (MySuper) 8.44% average per year since inception* return * Based on returns of the super Balanced investment option from 1 January 1987 to 30 June These returns are net of investment fees and the indirect cost ratio only and do not reflect the administration fees. Historical returns before 1 July 2008 are based on former Print Super investment returns. Investment warning: Investment returns are not guaranteed and past performance gives no indication of future returns. Investing in you every day Through sponsorship, talent programs and awards, we invest in our members and the print, media, entertainment and arts industries. Media Super proudly sponsors industry awards like the Media Super National Print Awards, The Walkley Awards, The Helpmann Awards and The Screen Producers Australia Awards. Media Super movies As well as delivering returns for our members, supporting our member industries is one of our priorities. Under a landmark partnership with Fulcrum Media Finance, we provide a multi-million dollar cash-flow facility and also access to a pre-sale advance loan for the production of Australian film and television projects. It is important to note that this is funding for the pre-production stage of film and TV development only. Media Super does not invest in a movie s success at the box office. Some of our productions to date include: > Lion (starring Nicole Kidman) > The Railway Man (starring Nicole Kidman) > The Dressmaker (starring Kate Winslet and Liam Hemsworth) Just another way in which we re helping to generate work for our members. For more information, go to: mediasuper.com.au/film-and-television Print. Media. Entertainment. Arts. 3
4 At media super, you re in charge Want to take control of your investments? With Media Super, you can. Or, if you feel more comfortable leaving the investing to the experts you can be confident with our large range of investment options, where we take care of everything. Simple, smart choices to suit most members You don t have to be an investment guru to make investment decisions. With Media Super s pre-mixed, single asset class and lifecycle options, you can ensure that your super is invested in a manner that suits your needs. You can be more aggressive in your strategy or you can take a more conservative approach whatever suits you best. PRE-MIXED.. SINGLE ASSET CLASS.. Want more control? With Media Super s Direct Investment option, you can take charge of your super. Direct investment.. Take control of your super and choose from a range of: > > ASX 300-listed companies > > Exchange Traded Funds > > Term deposits A range of asset classes to suit different risk/return profiles: > > Balanced (default MySuper-authorised) > > High Growth > > Growth > > Moderate Growth > > Stable > > Income Plus Lifecycle.. Investment in a single specific asset class only: Shares > > Australian Shares > > Passive Australian Shares > > Australian Small Companies > > Diversified Shares > > Overseas Shares > > Passive International Shares > > Hedged International Shares > > Emerging Markets Shares > > Sustainable Future Shares This Direct Investment option allows you to take greater control and manage how your super is invested, providing you with choice and the flexibility to make the investment decisions yourself. Certain limits and restrictions apply. Please read the Direct Investment Guide available at mediasuper.com.au/pds for details of the options available and how to get started. Balanced option Offers a whole of life approach to investing by combining different types of assets, the proportions of which are changed automatically for you throughout the different stages of your life: > > SmartPath (available for super accounts only) Property and infrastructure > > Property > > Global Listed Property > > Global Listed Infrastructure > > Unlisted Infrastructure Other > > Global Natural Resources > > Fixed Interest > > Cash Please see the Investment Guide or Pensions Guide PDS for further details on the investment options available. average p.a since inception* return This is where most of our members invest! * Based on returns of the super Balanced investment option from 1 January 1987 to 30 June These returns are net of investment fees and the indirect cost ratio only and do not reflect the administration fees. Historical returns before 1 July 2008 are based on former Print Super investment returns. Investment warning: Investment returns are not guaranteed and past performance gives no indication of future returns. Print. Media. Entertainment. Arts. 4
5 easy and low-cost Insurance Because your health, family and earning potential are your most valuable assets, Media Super gives eligible new members a default level of Death and Total and Permanent Disablement (TPD) and Income Protection cover when they join. With an insurance cost per week for less than the price of a coffee, it just makes sense. Our premiums are incredibly competitive, and we make it straightforward for you to increase and decrease your level of cover. A range of options to suit your needs At Media Super, we believe that having insurance is important. We also recognise that in many cases it can be expensive. Our members have the option to purchase insurance through their super account, where the premiums come directly out of your super rather than from your weekly budget. Our members also find that the overall cost is significantly less than if they were to purchase it themselves. This is because we purchase insurance cover on behalf of our members, so we get it at a much lower cost. Media Super offers eligible members three types of cover* 1. Death only Pays you a lump sum of up to $5 million if you are terminally ill**, or to your beneficiaries or estate if you die. 2. Death and Total & Permanent Disablement (TPD) Pays you a lump sum of up to $5 million for Death, and $2 million for TPD if you are terminally ill** or totally and permanently disabled, or to your beneficiaries or estate if you die. 3. Income Protection Replaces a percentage of your salary, including superannuation contributions, if you are unable to work due to illness, injury or disability. * Insurance cover is subject to eligibility and the terms and conditions of the policies between Media Super and the third party insurer. See the Insurance Guide for further details. ** The Terminal Illness benefit is the lesser of: the insured death benefit; and $2.5 million. Automatic cover Because we believe that insurance is important, we automatically provide you with a default level of Death & TPD insurance when you join Media Super, providing you meet our eligibility criteria. The table below provides a guide to the automatic level of cover and its weekly cost. Automatic insurance cover Age next birthday Standard Default units Standard Default cover Death TPD Cost per week Death and TPD Death only 20^ 0 25^ $170,000 $50,000 $1.36 $ $193,000 $50,000 $1.70 $ $145,000 $50,000 $1.70 $ $74,000 $40,000 $1.70 $ $44,000 $35,000 $1.70 $ $26,500 $25,000 $1.70 $ $20,000 $20,000 $1.70 $ $20,000 $20,000 $1.70 $ # 5 $20,000 $1.16 See the Insurance Guide for full details, including automatic cover for Income Protection. ^ Members aged under 25 do not receive default insurance. It is opt-in only. # TPD cover ceases at age 65 and Death cover ceases at age 70. Key features > > Choice of benefit period for Income Protection of 5 years or up to age 65. > > Cover for up to 3 years if you re temporarily working overseas. > > Cover is unit-based and determined using your age next birthday. Print. Media. Entertainment. Arts. 5
6 There for you now and later These days, there s a whole lot more to super than just saving for retirement. Not only do we help you save more, Media Super also offers a range of financial advice services to help you plan for life after work, so you can have the life in retirement that you deserve. In person, with a Financial Planner* At Media Super we offer you the opportunity to meet with one of our Financial Planners* to assess the health of your super, set goals and develop strategies to achieve them. Our Fund-based planners can help you understand your current position, determine what your goals are and look specifically at your superannuation and retirement planning needs. Call our Super Helpline to make an appointment or visit mediasuper.com.au/financial-planners to find your local planner. Super advice over the phone If you re after advice that s only related to super, we have a highly trained team of telephone advisers** who can assist you with limited personal advice on topics including contribution strategies, insurance and investment options available to you within Media Super. Simply call our Super Helpline Online calculators Sometimes you just want to do things yourself and get an idea of how you re super savings are tracking. Our various calculators are easy to use and can help you to start planning for a better financial future: > > Contributions calculator See how by adding just a little bit extra over time can grow your super and see you substantially better off in retirement. > > Budget planner Not sure where you can start saving? Our budget planner may be just what you need to get your finances in order. > > What type of investor are you? People invest differently to one another based on their own attitudes and preferences. Find out what sort of investor you are. > > Life expectancy Use this tool to understand how long you may need to fund your retirement. To use these calculators and many more, visit mediasuper.com.au/calculators. * Media Super has engaged Industry Fund Services (IFS) ABN AFSL No to facilitate the provision of financial advice to members of Media Super. Advice is provided by one of our Financial Planners who are Representatives of IFS. Fees may apply. Further information about the cost of advice is set out in the relevant Financial Services Guide, a copy of which can be obtained by calling IFS on IFS is responsible for any personal advice given to you by its Representatives. ** Helpline Advisers are representatives of Mercer Financial Advice (Australia) Pty Ltd, ABN , Australian Financial Services Licence # Day-to-day perks of being a Media Super member Be part of our community We love showcasing the things that you are proud of, and sharing them with the Media Super community. Explore the highlights of the year, be inspired by the stories of your fellow members, and find out just how Media Super is working for you in our Yearbook at Tell us your story We d love to hear your story, and share it with the Media Super community. communications@mediasuper.com.au to be part of it. Online account access Our website mediasuper.com.au provides an easy way to keep track of your super update your details, check your balance, rollover other accounts, make an investment choice, and more. Business Development Managers Have a super conversation with a Business Development Manager at work, outside of work or over the phone they ll come to you. Seminars and webinars We run a number of seminars and webinars throughout the year on a range of topics. Visit mediasuper.com.au/seminars for details of upcoming sessions, and get to know your super better by coming along. Low-cost banking with ME Media Super members have access to low-cost banking products (including discounted home loans) with ME.* * Media Super does not accept responsibility for products or services provided by third-party organisations. Terms and conditions apply which should be obtained from the relevant third-party provider. Media Super does not accept liability for any loss or damage caused by the products and services provided by these third-party providers. Print. Media. Entertainment. Arts. 6
7 Life, after work... If you re getting ready to retire or already there, Media Super Pensions let you access your super as an income stream, while you still earn returns on your super investment. Our fees remain low, and there s no hidden start-up costs. Choose from two accounts 1. Transition to Retirement (TTR).. This account is for while you re still working. 2. Pension Account.. With optional lump sum payments after you retire. Starting a TTR or Pension delivers a range of flexible options and many benefits: > No start-up fee > Investment minimum $10,000 > Flexible payment options > Tax-free investment earnings for Pension accounts > Tax-free pension payments after you turn 60 > Low fees > A large range of investment options to choose from > LifetimePlus investment option which aims to provide an income for as long as you live > Investing in your industries, committed to our community > Personal service from people who understand your industry Please see the Pensions Guide PDS for further details about the Media Super Pension. So whatever age you are, if you want a strong performing super fund that really understands and delivers for members, choose Media Super. Call us today mediasuper.com.au Print. Media. Entertainment. Arts. Superannuation. Insurance. Retirement. Financial Planning. This brochure contains general information and does not take into consideration your personal objectives, situation or needs. Media Super s Business Development Managers provide general advice only and before engaging a Business Development Manager you should read the Financial Services Guide (FSG) that can be found at mediasuper.com.au and provides important information as to the financial services offered. Before making any financial decisions you should first determine whether the information is appropriate for you by reading the Product Disclosure Statement and/or by consulting a qualified financial adviser. Some of the information detailed in this brochure is provided by the service providers, and not the Media Super Trustee. Media Super does not recommend, endorse or accept responsibility for products or services provided by third-party organisations. Terms and conditions apply which should be obtained from the relevant third-party provider. As these are not Media Super products, we do not accept liability for any loss or damage caused by the products and services provided by these third-party providers. Issued August 2018 by Media Super Limited (ABN , AFSL ) as Trustee of Media Super (ABN USI Superannuation , USI Pension ). MSUP 54371
Super easy. Whether you work full-time, part-time, contract or freelance, Media Super is the fund for you.
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