Super for every superwoman
|
|
- Trevor Barnard George
- 5 years ago
- Views:
Transcription
1 Super for every superwoman Presented by Katrina McPhee Senior Superannuation Adviser VicSuper representative VicSuper Pty Ltd ABN AFSL RSE L is the Trustee of VicSuper Fund R
2 This seminar does not take into account your financial situation, objectives or needs. VicSuper recommends you seek professional advice for your own circumstances. This is where we can help you. Contact us today to make a time to see a VicSuper representative. Please read the relevant Combined Financial Services Guide and Product Disclosure Statement which is available at vicsuper.com.au or by calling VicSuper Pty Ltd ABN ("VicSuper") is the Trustee of VicSuper Fund ABN The Trustee holds an Australian Financial Services Licence (AFSL ) under the Corporations Act 2001 (Cwlth) and a RSE Licence under the Superannuation Industry Supervision Act 1993 (Cwlth). Under its AFSL, VicSuper is licensed to deal in and provide financial product advice on superannuation products. This means that VicSuper advisers can address your super and retirement needs with a focus on superannuation strategies. This advice is limited to VicSuper benefit plans and also extends to ESSS Revised, New SERB and Transport Schemes. This advice does not cover assets and investments external to super or comparisons between super funds. VicSuper representatives are paid salaries by VicSuper. No commissions are payable to or received by VicSuper representatives, any other person or entity or VicSuper itself. VicSuper is not owned, aligned or affiliated with any other institution. VicSuper is the Trustee of the Fund and, as the AFS licensee, is responsible for the advice provided.
3 The projections assume after tax investment returns (above inflation) of 4% pa in the superannuation phase and 4.9% pa in the pension phase. These are the 10-year investment return objectives for the Growth Option, which is VicSuper's default investment option Retirement income is assumed to increase at inflation of 3% pa and salaries are assumed to increase at 4% pa VicSuper's account keeping fee of $78 per annum and the administration fee of 0.28% have been taken into account with the projections and an allowance has been made for the capping of the fee of $1,500 per annum. Insurance premiums and any tax payable on withdrawal (before age 60) have not been taken into account. All figures are in today's dollars. For all projections, it is important to note that this information is predictive in character, may be affected by inaccurate assumptions or by known or unknown risks and uncertainties, and may differ materially from results ultimately achieved. The assumptions for the investment returns are based on modelling by Frontier Investment Consulting Pty Ltd (AFS Licence No ). The wage and inflation assumptions are based on analysis carried out by Russell Employee Benefits Pty Ltd (AFS Licence No ).
4 Session outline Introduction to super Superannuation 101 Transition to Retirement Strategy Choosing and Consolidating Funds Investments, Insurance and binding nominations Where can I get help Your time
5 Think of your last holiday. How much time did you spend planning and saving to make sure you got the most from your time? If retirement is the longest holiday you ll take, have you made adequate plans?
6 Superannuation 101
7 When can you access your super? Date of birth Before 1 July 1960 Preservation age 55 years 1 July June years 1 July June years 1 July June years 1 July June years After 30 June years
8 Transition to retirement Age 55 (build super/minimise tax) No TTR Using TTR Gross Income: $70,000 Gross Income: $52,300 (after salary sacrifice of $17,700) VicSuper Non Commutable Pension $14,422 Net Income: $54,653 Net Income: $54,653 Tax Saving: $0 Tax Saving: $623 Super Balance after 5 years $329,631 Super Balance after 5 years $345,118
9 Transition to retirement Age 60+ (build super/minimise tax) No TTR Using TTR Gross income: $70,000 Gross income: $52,300 (after salary sacrifice of $17,700) VicSuper Non Commutable Pension $11,467 Net income: $54,653 Net income: $54,653 Tax saving: $0 Tax saving: $3,579 Super balance after 5 years $329,631 Super balance after 5 years $361,407
10 Types of superannuation funds Do-it-yourself funds Industry Super Fund Public sector employees fund Defined benefit funds Retail Master funds Not for Profit Super Fund
11 Comparing Super Funds. Fees Investments Insurance Advice
12 Get your super sorted checklist Understand where you are at Consolidate your super funds Contribute extra to super Check your investment option Assess whether a TTR strategy is right for you Make time to talk to a VicSuper adviser today
13 VicSuper services Member Centre Bendigo Advice Centre 15 Mackenzie Street Bendigo Vic 3550 VicSuper Website vicsuper.com.au Express Super Advice (over the phone) Super Retirement Planning Advice (face to face)
Pensions. Transition to Retirement and Retirement Pensions. Pay less tax with a legalsuper pension
Pensions Transition to Retirement and Retirement Pensions Pay less tax with a legalsuper pension Interested in paying less tax? A new world of options opens up for your super. Once you have reached your
More informationVicSuper Webinar Update 2016
VicSuper Webinar Update 2016 Presented by: Jarrod Clark Team Leader Employer Relations Anthony Giudice Senior Account Consultant Employer Relations The webinar will run until 11.15am with 15 minutes question
More informationHow super is taxed. VicSuper FutureSaver Member Guide
How super is taxed VicSuper FutureSaver Member Guide Date prepared 1 July 2018 The information in this document forms part of the VicSuper FutureSaver Product Disclosure Statement (PDS) dated 1 July 2018.
More informationEmployer super resource guide 2017/18
Employer super resource guide 2017/18 The information contained in this publication is given in good faith and has been derived from sources believed to be reliable and accurate. No warranty as to the
More informationTransition to Retirement. Presented By Eddie Wasilewski Relationship Manager, IOOF October 2016
Transition to Retirement Presented By Eddie Wasilewski Relationship Manager, IOOF October 2016 General Advice Warning This presentation has been prepared by IOOF Investment Management Limited (IIML), ABN
More informationTransition to Retirement with Super Stream
Transition to Retirement with Super Stream What is transition to retirement? Transition to retirement rules allow Australians who have reached their preservation age, access to their superannuation while
More informationPersonal Plan. Your pay-in book for superannuation
Personal Plan Your pay-in book for superannuation How to make a superannuation contribution Complete all sections of your pay-in slip Check your payment is the same amount indicated on your pay-in slip
More informationKeep your super active into retirement. With flexible income and a transition to retirement option. VicSuper Flexible Income
Keep your super active into retirement With flexible income and a transition to retirement option. VicSuper Flexible Income Combined Financial Services Guide & Product Disclosure Statement Ratings are
More informationVicSuper FutureSaver. 1. About VicSuper FutureSaver. Contents. Product Disclosure Statement 1 October 2017
VicSuper FutureSaver Product Disclosure Statement 1 October 2017 Contents 1. About VicSuper FutureSaver 1 2. How super works 2 3. Benefits of investing with VicSuper FutureSaver 2 4. Risks of super 3 5.
More informationALL ABOUT RETIREMENT Your future comes FIRST
ALL ABOUT RETIREMENT Your future comes FIRST This brochure outlines some of the things you ll need to consider when planning for retirement, including how much you need. We ll explain how you can boost
More informationMore Access to Tax Deductions for Personal Contributions to Super
MEAT INDUSTRY EMPLOYEES' SUPERANNUATION FUND ABN 17 317 520 544 level 2, 62 lygon Street, Carlton South VIC 3053 Free coll: 1800 252 099 Phone (03) 9662 386 l Fox: (03) 9662 2430 wwwmiesfcomou More Access
More informationDIY MASTER PLAN Annual Report As at 30 June 2018 Part 3 Raiz Super Investment Disclosure
Fund Registration No R1070743 DIY MASTER PLAN Annual Report As at 30 June 2018 Part 3 Raiz Super Investment Disclosure This Annual Report Part 3 for the Raiz Super Division members of the DIY Master Plan
More informationHow to boost your super, save tax and retire better.
How to boost your super, save tax and retire better. Do some simple things today and you could have more tomorrow. Additional Contributions November 2017 Ratings are just one factor to consider when deciding
More informationVicSuper FutureSaver. Product Disclosure Statement 1 July 2018
VicSuper FutureSaver Product Disclosure Statement 1 July 2018 The Canstar 5-Star Rating for Outstanding Value Superannuation was awarded in March, 2018 to the VicSuper FutureSaver. OUTSTANDING VALUE SUPERANNUATION
More informationFinancial Services Guide. General Advice
Financial Services Guide General Advice 1 July 2018 VicSuper is required to provide you with this Financial Services Guide. It is designed to help you understand the important features of the general financial
More informationVicSuper FutureSaver Member Guide. Other information. VicSuper FutureSaver Member Guide
Other information VicSuper FutureSaver Member Guide Date prepared 1 October July 20182017 1 The information in this document forms part of the VicSuper FutureSaver Product Disclosure Statement (PDS) dated
More informationLeaving your employer?
Leaving your employer? This guide outlines your super options when leaving your employer. What you ll find inside Moving on? 1 Choice of fund 3 Easing into retirement? 4 Transition to Retirement 6 General
More informationNESS Pension Product Disclosure Statement (NESS Pension PDS)
NESS Pension Product Disclosure Statement (NESS Pension PDS) 30 September 2017 Power up your retirement with a NESS Pension This Product Disclosure Statement is issued by NESS Super Pty Ltd ABN 28 003
More informationPaying yourself after work
Paying yourself after work Your guide to a CareSuper retirement income 2 A new chapter begins Whether you re reducing your hours or stopping work altogether, retirement is filled with new beginnings and
More informationREADY FOR YOUR NEXT STEP? WE RE WITH YOU
ANZ AUSTRALIAN STAFF SUPERANNUATION SCHEME READY FOR YOUR NEXT STEP? WE RE WITH YOU STAY WITH ANZ STAFF SUPER TAKE US WITH YOU YOU DON T HAVE TO SAY GOODBYE WHEN YOU LEAVE ANZ LEAVING ANZ DOESN T MEAN
More informationOptions for non-grandfathered DBD members at risk of exceeding the concessional contributions cap
Fact sheet Options for non-grandfathered DBD members at risk of exceeding the concessional contributions cap The government imposes caps on the amount you can contribute to super each year at concessional
More informationTransfer your insurance
GPO Box 89 MELBOURNE VIC 3001 VicSuper Member Centre 1300 366 216 vicsuper.com.au Transfer your insurance * Indicates that providing this information is mandatory. t doing so may delay the processing of
More informationSUPERnews. We sort through the budget changes. Federal Budget Changes. How the changes. Proudly serving our members.
SUPERnews Federal Budget Changes We sort through the budget changes How the changes impact your fund Proudly serving our members How the budget changes impact your fund Pages Accumulation Plan... 2, 4,
More informationTransition to retirement. with TTR Income
Transition to retirement with TTR Income March 2018 More than 2.2 million Australians trust us to look after $130 billion * of their retirement savings. With our history of strong long-term returns, our
More informationHow super is taxed guide (AP.4)
How super is taxed guide (AP.4) Issued 25 January 2018 The information in this document forms part of the ESSSuper Accumulation Plan Product Disclosure Statement dated 25 January 2018. Contents Providing
More informationSuper made easy. Defence Bank Pensions. Account Based Pension and Transition to Retirement Pension Product Disclosure Statement
Defence Bank Pensions Account Based Pension and Transition to Retirement Pension Product Disclosure Statement Prepared 1 July 2017 Version: 5 Super made easy Trustee: Equity Trustees Superannuation Limited
More informationContributions splitting form
GPO Box 89 Melbourne Vic 3001 VicSuper Member Centre 1300 366 216 vicsuper.com.au Contributions splitting form * Indicates that providing this information is mandatory. Not doing so may delay the processing
More informationRequest for Partial/Full Commutation
REI Super Pension Request for Partial/Full Commutation If you need help For assistance, information on your benefit entitlements, or to access the Privacy Policy and your personal information call the
More informationTurn your super into a lasting income. with Choice Income
Turn your super into a lasting income with Choice Income July 2018 1 2 More than 2.2 million Australians trust us to look after $132 billion * of their retirement savings. With our history of strong long-term
More informationLive the life you want. with the right financial advice
Live the life you want with the right financial September 2018 Contents Page Change your financial future for the better 4 Putting you first 5 Getting started 6 How your adviser can help 7 How much will
More informationTransition to Retirement
Transition to Retirement Super Concepts provides the documentation you need to commence a Transition to Retirement pension from your self managed superannuation fund Transition to Retirement (TTR) What
More informationMake a binding death benefit nomination VicSuper Retirement Income Solutions
GPO Box 89 Melbourne VIC 3001 VicSuper Member Centre 1300 366 216 vicsuper.com.au Make a binding death benefit nomination VicSuper Retirement Income Solutions When completing this form, please ensure you
More informationEmployer super resource guide 2018/19
Employer super resource guide 2018/19 Welcome to VicSuper s Employer super resource guide VicSuper s Employer super resource guide provides employers with helpful information on their employer super obligations.
More informationBank First Superannuation Product Disclosure Statement (PDS) Prepared 1 December 2017 Version 6
Bank First Superannuation Product Disclosure Statement (PDS) Prepared 1 December 2017 Version 6 Super made easy Issued by Equity Trustees Superannuation Limited (RSE License No L0001458, ABN 50 055 641
More informationFinancial Services Guide
Financial Services Guide Issue date: 18 December 2017 Version 1.0 This Financial Services Guide (FSG) is an important document that provides you with information about the financial services provided by
More informationTransition to retirement (TTR) pensions
Transition to retirement (TTR) pensions No matter how many hours you work, if you are 55 or over, you can access your super as a transition to retirement (TTR) pension, even if you are still working full
More informationTransferring your pension benefit from a UK scheme to the Rio Tinto Staff Superannuation Fund
Transferring your pension benefit from a UK scheme to the Rio Tinto Staff Superannuation Fund The UK rules relating to the transfer of UK pension benefits to overseas funds changed in 2006 and were further
More informationSuper made easy. Victoria Teachers Mutual Bank Pension. Account Based Pension and Transition to Retirement Pension Product Disclosure Statement
Victoria Teachers Mutual Bank Pension Account Based Pension and Transition to Retirement Pension Product Disclosure Statement Prepared 1 July 2017 Version: 5 Super made easy Trustee: Equity Trustees Superannuation
More informationTransition to retirement pensions
Transition to retirement pensions No matter how many hours you work, if you are over preservation age 1, you can access your super as a transition to retirement (TTR) pension, even if you are still working
More informationFinancial Services Guide (FSG)
Financial Services Guide (FSG) Issued 20 March 2018 Living Super What s an FSG? Good question. An FSG is short for a Financial Services Guide. Basically, it gives you important information about a particular
More informationYour super. Paving the way to your financial future. Proudly serving our members
Your super A guide to understanding your super For MFB/CFA new operational paid employees Issued January 2014 Proudly serving our members Paving the way to your financial future. We re proud to be the
More informationHunter United Super Choice Fund
Hunter United Super Choice Fund Product Disclosure Statement (PDS) Prepared 1 July 2017 Version 7 Super made easy Issued by Equity Superannuation Trustees Limited (RSE License No L0001458, ABN 50 055 641
More informationSuper Product Disclosure Statement
Local Government Super Product Disclosure Statement Retirement Scheme How to use this Product Disclosure Statement This Product Disclosure Statement (PDS) provides you with important details about the
More informationThe type of assets into which investments are made will depend on the investment strategy of your fund.
Super funds 1 July 2018 (updated annually) Creating your investment portfolio by making contributions to a superannuation fund can be one of the most effective ways to save for your retirement. What is
More informationTitle Mr Mrs Ms Miss Other M/F Date of birth / / Given names - - Step 2A What form of identification will you need to provide?
Contributions Splitting Application If you need help Call the Helpline 1800 682 626. Step 1 Complete your personal details Please print in black or blue pen, in uppercase, one character per box. A Title
More informationSuper made easy. Defence Bank Super. Product Disclosure Statement (PDS) Prepared 1 July 2017 Version 5
Defence Bank Super Product Disclosure Statement (PDS) Prepared 1 July 2017 Version 5 Super made easy Issued by Equity Trustees Superannuation Limited (RSE License No L0001458, ABN 50 055 641 757, AFSL
More informationFinancial Services Guide
A CCLAIM MANAGEMENT GROUP Financial Services Guide 7 December 2017 Acclaim Management Group Limited ABN 52 091 082 058 AFSL No. 305 604 Level 9, 324 Queen Street Brisbane QLD 4000 GPO Box 330, Brisbane
More informationSuncorp Employee Superannuation Plan
Suncorp Employee Superannuation Plan Product Disclosure Statement Issued 3 December 2016 This booklet is your guide to the Suncorp Employee Superannuation Plan, and to superannuation generally. (We have
More informationResearch Choice. MyNorth Managed Portfolios
Managed Portfolios MyNorth Managed Portfolios About Managed Portfolios The Managed Portfolios are offered by NMMT Limited (NMMT), and expertly constructed and managed by the AMP Research team. There are
More informationThe information in this document forms part of the EISS Super PDS dated 26 May 2017.
EISS Super How super works 26 May 2017 The information in this document forms part of the EISS Super PDS dated 26 May 2017. Making contributions In addition to the compulsory Superannuation Guarantee (SG)
More informationQIEC Income Stream INSIDE: Product Disclosure Statement. How to start a. QIEC Income Stream
QIEC Income Stream Product Disclosure Statement Issued 29 September 2017 INSIDE: How to start a QIEC Income Stream Transition to Retirement Account and Retirement Income Account benefits How to invest
More informationSuncorp Brighter Super for business
Suncorp Brighter Super for business Product Disclosure Statement Issued 27 May 2017 This booklet is your guide to Suncorp Brighter Super, and to superannuation generally. (We have to call it a Product
More informationSuncorp WealthSmart Personal Super and Suncorp WealthSmart Pension Product Disclosure Statement
Inside this PDS Issued 17 February 2014 Suncorp WealthSmart Personal Super and Suncorp WealthSmart Pension Product Disclosure Statement Superannuation law requires that we call this booklet a Product Disclosure
More informationQudos Super. Super made easy. Product Disclosure Statement (PDS) Prepared 28 June 2016 Version 6
Qudos Super Product Disclosure Statement (PDS) Prepared 28 June 2016 Version 6 Super made easy Issued by Equity Trustees Superannuation Limited (RSE License No L0001458, ABN 50 055 641 757, AFSL No 229757,
More informationRequest for Partial/Full Commutation (Withdrawal) If you need help. Title Mr Mrs Ms Miss Other Date of birth / / Given names. Suburb State Postcode
ALCOA OF AUSTRALIA RETIREMENT PLAN Request for Partial/Full Commutation (Withdrawal) If you need help For assistance call the Helpline on 1800 355 028. Step 1 Complete your personal details Please print
More informationSplitting Super Contributions
Catholic Super Splitting Super Contributions The trustee of Catholic Super recommends that you seek advice from a licensed, or appropriately authorised, financial adviser regarding your super before you
More informationContributions Splitting Application
Alcoa of Australia Retirement Plan Contributions Splitting Application Before completing this form please read the factsheet Splitting super contributions in Alcoa of Australia Retirement Plan available
More informationNetwealth Superannuation Master Fund Annual Trustee's Report For the financial year ended 30 June 2017
Netwealth Superannuation Master Fund Annual Trustee's Report For the financial year ended 30 June 2017 Personal Super Standard Income Stream Employer Sponsored Super TTR Income Stream Term Allocated Pension
More informationRBF Tasmanian Accumulation Scheme
Member Booklet Retirement Benefits Fund Tasmanian Accumulation Scheme Member Booklet Information in this brochure is current as at 17 December 2012 Melanie (Social Worker), member Contents About the Tasmanian
More informationProduct and investment changes. Zurich Master Superannuation Fund
Product and investment changes Zurich Master Superannuation Fund Date of preparation: 10 November 2015 This Significant Events Notice provides members of the Zurich Master Superannuation Fund ( Fund )
More informationDealing with redundancy
Dealing with redundancy What you need to know about your super Martin Kennedy Investor Education Manager What we ll cover today Your redundancy payment how it will be taxed and your ability to contribute
More informationSuncorp Brighter Super Personal Super and Pension. Product Disclosure Statement Issued: 5 October 2017
Suncorp Brighter Super Personal Super and Pension Product Disclosure Statement Issued: 5 October 2017 This booklet is your guide to Suncorp Brighter Super, and to superannuation generally. (We have to
More informationSAMPLE ONLY. 07 July Mrs Jane Smith 1 Jane Smith Court TOWN VIC Dear Mrs Smith,
GPO Box 264, Melbourne, VIC, 3001 Phone: 1800 062 963 Fax: 1800 558 539 Email: clientservices@ioof.com.au 07 July 2016 Mrs Jane Smith 1 Jane Smith Court TOWN VIC 1234 Dear Mrs Smith, Pursuit Select - Personal
More informationNavigating the Australian Superannuation Changes 2017
Navigating the Australian Superannuation Changes 2017 WOTHERSPOON WEALTH Independent Financial Advice ebook Series 2017 NAVIGATING THE SUPER CHANGES The Federal Government s new superannuation reforms
More informationapply for a super payout
HOW TO apply for a super payout STEP 1 CHECK THAT YOU RE ELIGIBLE You wish to receive part or all of your super payout in cash A portion of your super benefit may be preserved. If the preserved amount
More informationSuncorp Brighter Super
Suncorp Brighter Super Personal Super and Pension Product Disclosure Statement Issued 30 May 2016 This booklet is your guide to Suncorp Brighter Super, and to superannuation generally. (We have to call
More informationSuperannuation year end planning for the 2016/17 financial year
Superannuation year end planning for the 2016/17 financial year The end of the financial year always seems to crop up faster than it should. Given the impending July 2017 superannuation changes, being
More informationCounting the cost of Cash
AUSTRALIA POST SUPER SCHEME Insight News from the Australia Post Superannuation Scheme Quarter ending September 2017 Counting the cost of Cash INSIDE THIS EDITION Counting the cost of Cash Investment round
More information$65, YOUR 2015 SUPER STATEMENT MERCER SUPER TRUST Mercer SmartSuper Plan From 1 July 2014 to 30 June 2015
YOUR 2015 SUPER STATEMENT MERCER SUPER TRUST Mercer SmartSuper Plan From 1 July 2014 to 30 June 2015 Mr A Sample 100 Collins Street MELBOURNE VIC 3001 Hi Andrew, would you like to have more money saved
More informationThe Executive Superannuation Fund
The Executive Superannuation Fund Pension Fact Sheet The Executive Superannuation Fund offers you flexibility as you approach retirement. Although superannuation is money set aside for your retirement,
More informationSuncorp Employee Superannuation Plan. Product Disclosure Statement Issued: 30 September 2017
Suncorp Employee Superannuation Plan Product Disclosure Statement Issued: 30 September 2017 This booklet is your guide to the Suncorp Employee Superannuation Plan, and to superannuation generally. (We
More informationSALARY SACRIFICE AND SAVE
Your fund. Your wealth. Your future. This document forms part of the Product Disclosure Statement dated 29 September 2017 SALARY SACRIFICE AND SAVE FACT SHEET 2 29 SEPTEMBER 2017 The minimum employer set
More informationapply for a super payout
HOW TO apply for a super payout STEP 1 CHECK THAT YOU RE ELIGIBLE You wish to receive part or all of your super payout in cash A portion of your super benefit may be preserved. If the preserved amount
More informationImportant information about your HESTA Transition to Retirement (TTR) Income Stream
Important information about your HESTA Transition to Retirement (TTR) Income Stream Significant event notice 1 July 2017 In last year s Federal Budget, a number of reforms to superannuation were proposed,
More informationThinking of retiring?
Thinking of retiring? For Revised Scheme members Are you an ESSSuper Revised Scheme member and you re thinking about retiring? Whether you re planning on retiring in a few years, or ready to take the plunge
More informationMyNorth Super and Pension
₃ ₁₂ August ₂₀₁₇ Issue number, MyNorth Super and Pension Product disclosure statement Part A MyNorth Super and Pension To be read in conjunction with MyNorth Super and Pension Guarantee Product disclosure
More informationBendigo SmartStart Pension
Bendigo SmartStart Pension Product Disclosure Statement Dated 1 July 2013 The trustee and issuer is Sandhurst Trustees Limited, ABN 16 004 030 737 AFSL 237906, a subsidiary of Bendigo and Adelaide Bank
More informationyour path to retirement
1 your path to retirement 2018 3 you need to know about Copyright H.E.S.T. Australia Limited 2017 This information is issued by H.E.S.T. Australia Limited ABN 66 006 818 695 AFSL No. 235249, Trustee of
More informationThe Basics of Super. Presented by: David Logan
The Basics of Super Presented by: David Logan This information is issued by H.E.S.T. Australia Limited ABN 66 006 818 695 AFSL No. 235249, Trustee of Health Employees Superannuation Trust Australia ( HESTA
More informationBT Portfolio SuperWrap Essentials
BT Portfolio SuperWrap Essentials Information Brochure Personal Super Plan Pension Plan Term Allocated Pension Plan Product Disclosure Statement ( PDS ) The distributor of BT Portfolio SuperWrap Essentials
More informationNetwealth Investments Limited Financial Services Guide
Netwealth Investments Limited Financial Services Guide 20 November 2017 This Financial Services Guide ( FSG ) has been prepared and issued by Netwealth Investments Limited (ABN 85 090 569 109, AFS Licence
More informationinvestment option. See Additional explanation of fees and costs for further details.
Issue date: 1 October 2017 Fees and costs Industry super funds like REI Super are run only to benefit members, which means they charge low fees and return all investment earnings to members accounts. Did
More informationSuncorp WealthSmart Personal Super and Suncorp WealthSmart Pension Product Disclosure Statement
Inside this PDS Issued 4 July 2013 Suncorp WealthSmart Personal Super and Suncorp WealthSmart Pension Product Disclosure Statement Superannuation law requires that we call this booklet a Product Disclosure
More informationWorkforce Superannuation
Workforce Superannuation Product Disclosure Statement (PDS) Issued 31 December 2013 Inside this PDS How to contact us: 1. About Workforce Superannuation 2. How super works 3. Benefits of investing with
More informationImportant information
Important information This workbook is intended to provide general information only and has been prepared by MLC Limited (ABN 90 000 000 402 AFSL 230694 without taking into account any particular person's
More informationSalary sacrifice. The smartest way to get more out of your pay 2017/18
Salary sacrifice The smartest way to get more out of your pay 2017/18 List of contents Interested in paying less tax? Interested in paying less tax?...1 legalsuper at a glance...2 Salary Sacrifice at a
More informationSuper and Pension. Additional Information Brochure. Date issued 5 December 2017
Super and Pension Additional Information Brochure Date issued 5 December 2017 Issued by: ClearView Life Nominees Pty Limited ABN 37 003 682 175 AFSL 227683 RSE Licence No L0000802 as Trustee for the ClearView
More informationpeace of mind with an income you can count on
Guaranteed Income Product Disclosure Statement Guaranteed Lifetime Income Guaranteed Fixed Term Income peace of mind with an income you can count on Issued on 1 July 2017 CARE Super Pty Ltd (Trustee) ABN
More informationREQUEST FOR WITHDRAWAL
Transition to retirement account REQUEST FOR WITHDRAWAL If you need help For assistance call NGS Super Customer Service Team on 1300 133 177 or refer to the NGS Super website www.ngssuper.com.au. Step
More informationMaking sense of your statement
Making sense of your statement 1 Your annual statement Your annual statement provides you details of your super account as at 30 June each year. If you have any questions or would like to see up-to-date
More informationAnchor. Anchor Superannuation Fund ABN Product Disclosure Statement Accumulation and Pension Products. Dated 22 December 2014
Anchor Anchor Superannuation Fund ABN 62 311 059 575 Product Disclosure Statement Accumulation and Pension Products ISSUER AND TRUSTEE Linear Asset Management Ltd ABN 11 119 757 596 AFSL 304542 RSEL L0003453
More informationYour guide to salary sacrifice.
Your guide to salary sacrifice. July 2018 2 3 What is salary sacrifice? You could pay less tax and make a big difference to your super balance when you re ready to retire. Salary sacrifice is a way of
More informationsupplementary product disclosure statement legalsuper Allocated Pension & Non Commutable Allocated Pension
supplementary product disclosure statement legalsuper Allocated Pension & Non Commutable Allocated Pension This Supplementary Product Disclosure Statement (SPDS) supplements the legalsuper Product Disclosure
More informationUnderstanding superannuation
Version 4.2 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to. Important information This document has been published
More informationHow to apply for a super payout
How to apply for a super payout STEP 1 CHECK THAT YOU RE ELIGIBLE You wish to receive part or all of your super payout in cash A portion of your super benefit may be preserved. If the preserved amount
More informationReference guide Additional explanation of fees and costs
Reference guide Additional explanation of fees and costs Issued on 6 November 2017 The information in this guide forms part of the Product Disclosure Statement (PDS) for smartmonday DIRECT dated 6 November
More informationMEMBER GUIDE TIDSWELL MASTER SUPERANNUATION PLAN. 29 September 2017
TIDSWELL MASTER SUPERANNUATION PLAN MEMBER GUIDE 29 September 2017 The information in this document forms part of the Tidswell Master Superannuation Plan Product Disclosure Statement (PDS) dated 29 September
More informationapply for a super payout
HOW TO apply for a super payout STEP 1 CHECK THAT YOU RE ELIGIBLE You wish to receive part or all of your super payout in cash A portion of your super benefit may be preserved. If the preserved amount
More informationSignificant Event Notice - Combined Super to merge with Prime Super
25 th September 2018 Dear Member, Significant Event Notice - Combined Super to merge with Prime Super Combined Super is very pleased to announce that it will be merging on 31 December 2018 with Prime Super.
More informationWhen can you access your benefit? Fact sheet June 2015
When can you access your benefit? Fact sheet June 2015 The Defined Benefit Scheme pays a retirement benefit as a lifetime pension and/or a lump sum. You can generally access your retirement benefit in
More information