Transition to Retirement Pension Account

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1 Transition to Retirement Pension Account Product Disclosure Statement 30 September 2018 What s Inside 01 Frequently Asked Questions before Joining 02 About the Transition to Retirement Pension 03 Pension Payments 04 Nominating Beneficiaries 05 The Basics of Investing 06 Your Investment Options 07 Fees and Costs 08 Tax and Your Pension 09 General Information 10 How to Open an Account 11 Application Form Issued by Combined Fund Pty Ltd (ABN ; RSE L ; the Trustee of the Combined Super Fund (Combined Super) (ABN ; RSE R ) This Product Disclosure Statement (PDS) is a guide to the benefits and features of Combined Super s Transition to Retirement Pension (TRP) Account. You should consider this information before making a decision to invest in this Pension. This PDS contains general information only and does not take into account your financial objectives, situation or needs. You should obtain financial advice tailored to your own personal circumstances before deciding to invest in a Combined Super Transition to Retirement Pension Account. Information in this PDS may change from time to time. Changes that are not materially adverse are available on the Fund s website or on request, free of charge, at any time. To request a copy of this PDS or any of the other important information referred to in this PDS, please call the Fund on

2 2 Benefits of a Transition to Retirement Pension Account With Combined Super you can stay with us throughout your working life and into retirement. Once you ve reached your preservation age (see page 4) you can use some of your Combined Super accumulation account to open a Pension Account and still keep working. Only current accumulation members of Combined Super can open a Transition to Retirement Pension (TRP) Account. Our TRP Account enables you to: Increase your retirement savings If you make salary sacrifice contributions to your Combined Super accumulation account and replace the income with payments from your Combined Super TRP Account, you could increase your retirement savings without losing income. Pay less tax A TRP Account may be a powerful tax-planning tool for wage and salary earners. Reduce your working hours If you want to cut back your working hours to ease into retirement, you could make up for lost income by drawing on your TRP Account. Take care of loved ones On death, the amount remaining in your TRP Account can be paid to your dependants as a lump sum or as a revisionary pension to your spouse. See page 7 for details. Further details are available from our website at or you can speak to one of our in-house financial advisers by calling Combine Super offers members the opportunity to speak with or meet with our inhouse Financial Advice team. Important: Neither Combined Super nor any service provider to the Fund or any other party guarantees the performance of the Fund, the repayment of capital or any particular rate of return.

3 3 1. Frequently Asked Questions Before Joining Do I have to be retired? How often will I get paid? No. So long as you have reached your preservation age, you can open a Combined Super TRP Account. You can choose from monthly, quarterly or annual income payments to your nominated bank, building society or credit union account. You cannot make lump sum withdrawals. See page 6 How much income can I receive? You can decide, within Government pension payment limits. See page 6 Can I hold insurance? Can I choose how my money is invested? You re not able to access insurance through your TRP Account. You can select one or a combination of any of the eight investment options offered and you are able to switch between the options at no cost as your needs change. If you choose more than one investment option, you can also choose the option from which your pension payments are made. See page 11 When will my TRP Account end? When the balance of your account runs out or you close your account. See page 5 What are the tax advantages? How much does it cost? What happens in the event of my death? How can I get the most from my TRP Account? If you are age 60 or over, you pay no tax on your pension payments. If you are under age 60, there are income tax concessions for your pension payments and you can defer or eliminate the payment of lump sum tax. See page 22 It s free to open and set up a TRP Account and ongoing fees are low. See page 18 You nominate who you wish to receive the balance of your TRP Account in the event of your death. You can choose the type of nomination that best suits your needs from: a reversionary beneficiary nomination, or a preferred beneficiary nomination. See page 7 for more details. There are many ways to incorporate a Combined Super TRP Account into your finances. Ask us how to make the most of a Combined Super Pension to suit your particular circumstances. Once your Transition to Retirement Pension Account is established, keeping up-to-date with your investment is easy. Simply call us on or login at using your personal username and password.

4 4 2. About the Transition to Retirement Pension Account A Combined Super Transition to Retirement Pension (TRP) Account enables eligible members to access some of their super balance while still working, in order to supplement income. Alternatively, you can use a TRP Account to boost your retirement savings in a tax-effective way. Eligible members can do this by transferring some of their Combined Super Accumulation Account balance into a Combined Super TRP Account and draw an income that is tax-free after age 60. At the same time, some of your income can be salary sacrificed into your Combined Super Accumulation Account to boost your retirement savings. Note: Whether you receive any tax savings through a transition to retirement strategy will depend on your individual circumstances. You may wish to seek advice from a licensed financial adviser before making a decision to invest in a Combined Super Transition to Retirement Pension Account. Our in-house financial advice team can provide advice on your pension and retirement needs (at no charge) by contacting them on Who is eligible? Only Combined Super accumulation members can open a TRP Account. To be eligible to invest in a Combined Super TRP Account you must have reached your preservation age and still be working. Your TRP Account will then begin paying you a non-commutable pension. Non commutable means your pension cannot be converted to a lump sum and withdrawn unless it is transferred to a Combined Super Retired Person s Pension Account. Preservation Super held in your Accumulation Account will be in the form of preserved benefits. In accordance with the law, these benefits must be held in the superannuation system until they meet a Condition of Release. One of these Conditions of Release is when you reach your preservation age. Your preservation age ranges from 55 to 60, depending on your date of birth. For anyone born after 30 June 1960, your preservation age is worked out as follows in the table below: Date of birth Preservation age 1 July 1960 to 30 June July 1961 to 30 June July 1962 to 30 June July 1963 to 30 June On or after 1 July Note: Eligibility for the Government Age Pension has risen to 65.5 for those born between 1 July 1952 and 31 December 1953 and will continue to increase by six months every two years, reaching 67 by 1 July How does a TRP Account work? Your TRP Account can include all or any of: an amount transferred from your existing Combined Super Accumulation Account; an amount transferred from one or more other super funds; any additional amount you contribute when your TRP Account is opened. Your TRP Account will be established in addition to your Accumulation Account with Combined Super, in order for you to continue to receive your super guarantee contributions, make any additional personal contributions (i.e. through salary sacrifice) and access any existing insurance cover you may have. Opening A TRP Account Combined Super requires you to transfer a minimum of $20,000 from your Accumulation Account in order to commence a TRP Account. The Government has imposed limits on the amount that can be transferred into retirement phase accounts (known as your Transfer Balance Cap* ), without incurring a penalty. A TRP Account will only count towards your Transfer Balance Cap when it is in the retirement phase. A TRP Account is in the retirement phase when you permanently retire from the workforce on or after your preservation age, you end your current employment on or after age 60, or you turn 65, whether you are working or not. You will need to ensure that the total amount of superannuation you have transferred to retirement phase accounts (including your TRP Account and any other pension accounts you hold) does not exceed the Transfer Balance Cap. Any amount of super you have above the Transfer Balance Cap can be retained in your Accumulation Account and/or be taken as a lump sum payment. * The Transfer Balance Cap will be indexed in $100,000 increments, in line with increases in the Consumer Price Index (rate of inflation). For the 2018/2019 financial year, the Transfer Balance Cap is $1.6 million.

5 5 Your TRP Account balance Your TRP Account balance will be determined by the amount invested, the investment returns earned by your investment choice option(s) (including any negative returns), the fees deducted and how much pension has been paid to you. The diagram below illustrates the various factors that can impact your account balance. INS Positive investment returns Your TRP Account (Lump sum transferred) Regular payments to your bank account Can I add to my TRP Account? OUTS Negative Investment returns Fees and costs Superannuation law prevents additional money being transferred into a pension account once payments commence, so we encourage you to consolidate all your superannuation benefits at the outset. If, after establishing your TRP Account, you subsequently wish to transfer additional money from other super funds, a new TRP Account will be opened. You may have more than one pension account with Combined Super, subject to you continuing to comply with the Transfer Balance Cap. No insurance in a TRP Account You are not able to access insurance through your TRP Account. If you retain an Accumulation Account with Combined Super you will continue to have access to any existing insurance cover you may have, so long as premiums continue to be paid from this account. Social security benefits Your TRP Account balance may affect social security benefits. The total value of your TRP Account is counted as an asset under the Assets Test. For the Income Test, the value of your TRP Account is included as a financial asset and is subject to deeming rules at the time of assessment. As the rules for social security entitlements are complex we recommend you contact Centrelink on to ensure you maximise your social security entitlements. Closing your TRP Account Pension payments will continue until your TRP Account balance is exhausted or you die. If you decide to leave Combined Super you may transfer your Transition to Retirement Pension to another eligible super fund. On retirement, or on leaving your current employment after age 60, or on attaining age 65 (whether still working or not), you may choose to transfer your existing TRP Account balance into a Combined Super Retired Person s Pension Account, in order to have unrestricted access to your retirement savings.

6 6 3. Pension Payments You can choose to have your TRP Account paid monthly, quarterly or annually. Annual payments may be made in advance or in arrears. Payments will continue until your account runs out or you close it. Payments will be made to your nominated bank, building society or credit union account on the 21st day of the month. You can provide your account details on the Transition to Retirement Pension Application Form located at the back of this PDS. If you don t specify the amount of your pension payments, the default amount of income payment will be the minimum limit set by the Government. You cannot request lump sum withdrawals from your TRP Account. The Government sets limits on the minimum and maximum amount you can receive as pension payments each financial year. You may change the amount and frequency of your pension payments at any time with written notice to the Fund, provided the new amount is within Government pension payment limits. Simply contact us before the first of the month to ensure that the change is effective from that month. You must always take a minimum amount set by the Government in each financial year. Unless you request an alteration, you will continue to receive the same pension payments each year, adjusted to reflect changes to the Government limits if required. We will inform you of your new minimum limit at the start of each financial year. If your TRP Account is invested in more than one investment option, you can nominate the investment option(s) that your pension payments are drawn from. If you do not select a drawdown order, your pension payments will be drawn proportionally from your investment options. Government pension payment limits Minimum payments The Government sets a minimum pension payment you must receive from your TRP Account in each financial year. At least one payment of the minimum amount must be made once a year. In the first year of a pension, the minimum payment amount is calculated as a pro-rata amount based on the pension s commencement date. The minimum amount is a percentage of your TRP Account balance and determined by your age as shown in table 3.1. If commencement day is on or after 1 June of the financial year, then no minimum payment is required for that financial year and the minimum amount will be rounded to the nearest $10. Table 3.1 Age Annual percentage of account balance Under age 65 4% 65 to 74 5% 75 to 79 6% 80 to 84 7% 85 to 89 9% 90 to 94 11% 95 or over 14% Note: Amount calculated on 1 July each year, unless first year of pension, which is pro-rated from commencement day. Example Helen, age 62, commences a pension on 1 July 2017 with $240,000. For the first year, her minimum pension payments are: Initial Investment (A) $240,000 Minimum you must withdraw (B) 4% Minimum annual pension payment (A) x (B) or Minimum monthly payment $240,000 x 4% = $9,600 $9,600 / 12 = $800 Note: This example is based on the minimum pension payment applicable for the 2018/19 financial year and is subject to change. Maximum payments The maximum payment you can receive each financial year is 10% of your TRP Account balance as at 1 July each year. Example Jack, age 58, commences a TRP on 1 July 2017 with $240,000. The maximum he can take out in the first year is: Initial Investment (A) $240,000 Maximum you must withdraw (B) 10% Minimum annual pension payment (A) x (B) or Maximum monthly payment $240,000 x 10% = $24,000 $24,000 / 12 = $2,000 Note: This example is based on the maximum pension payment applicable for the 2018/19 financial year and is subject to change.

7 7 4. Nominating Beneficiaries No one likes to think about what will happen when they die but planning ahead will make it much easier for those left behind. With a Combined Super Transition to Retirement Pension (TRP) Account, you can nominate who you wish to receive the balance of your account on your death. You can choose the type of nomination that best suits your needs from either: a reversionary beneficiary nomination; or a preferred beneficiary nomination. Reversionary beneficiary nomination You may nominate your spouse (including a de facto spouse) to receive your pension payments after your death. You must make this nomination before your pension payments commence by completing the relevant section of the Application Form at the back of this PDS. Once a nomination is made it cannot be changed except in very limited circumstances (such as the death of the nominated spouse or on divorce or separation). A reversionary beneficiary has much the same rights as the original member. Amongst other things he or she can: choose to be paid the balance of your TRP Account as a lump sum; set their own level of regular payment within the limits imposed by law; and set their own investment strategy. The Transfer Balance Cap will apply to the reversionary beneficiary. Preferred beneficiary nomination You may nominate one or more dependents to receive the balance of your TRP Account as a lump sum after your death. To make a nomination, complete the relevant section of the Application Form at the back of this PDS. Payment will usually be made to one or more of your dependents or your legal personal representative. Under superannuation law, your dependents are: (a) your spouse (this includes a de-facto spouse of the same or opposite sex); (b) a child; (c) a person with whom you have an interdependency relationship; or (d) someone who is financially dependent on you. Two people may have an interdependency relationship if: they have a close personal relationship; they live together; one or each of them provides the other with financial support; and one or each of them provides the other with domestic support and personal care. An interdependency relationship may also exist where there is a close personal relationship between two people who do not satisfy other criteria because either or both of them suffer from a physical, intellectual or psychiatric disability. Where you make a preferred beneficiary nomination, the Trustee will take into account your nomination, but it will not be binding. In this situation, in the event of your death, the Trustee will pay your benefit to your dependents or legal personal representative in proportions determined by us while giving consideration to your preferred nomination(s). This allows the Trustee to take account of any changes to your personal situation even if you did not previously advise us of these changes. If you do not make a nomination If you do not make a reversionary beneficiary or a preferred beneficiary nomination, the Trustee will decide who receives the value of your TRP Account according to the law. The Trustee will make payments to one or more of your dependents or the legal personal representative of your estate. If you don t have dependents or a legal personal representative, the Trustee will attempt to identify another person to receive the balance of your TRP Account. If no other person can be located, the balance of your account will be paid to the relevant state or commonwealth government lost money fund. To help preserve the value of your account balance, when we verify your death your TRP Account will be invested in the Balanced investment option (if there is no reversionary beneficiary nominated) until distribution of your account is made.

8 8 5. The Basics of Investing Combined Super offers members a choice of four sector investment options and four diversified investment options. You can choose one or any one combination of the options for both your account balance and pension payments. To help you decide which of the options to select, it s important to understand the essentials of investing. Below are some of the fundamentals that affect investment choices. Growth vs Defensive assets Combined Super s investment options are invested in Growth Assets and Defensive Assets or a mix of the two. Growth Assets Growth assets seek to produce returns significantly above inflation over the long-term. Examples of these assets include: Australian and International Shares and Property. They are often considered higher risk investments because their returns can be quite volatile in the short-term. However, over the longer term, these assets are expected to produce higher returns than defensive assets. vs Defensive Assets Defensive assets focus on capital preservation in real terms. Examples of these assets include: Fixed Interest Securities and Cash. These are the types of investments used to reduce the chance of a negative return. They tend to produce lower long-term returns but their returns tend to be more stable compared to growth assets. If you choose more than one investment option for your account balance, you can choose the option from which pension payments are made and change that choice at any time. You can also change your investment selection at any time at no cost. It may be in your best interests to seek professional advice before making or changing your investment option(s). Combined Super has in-house financial advisers who are available to provide advice to all Combined Super members (at no cost). For further information contact us on Risk vs Return Pensions, like any investment, are not without risk. All investments involve some level of risk and the various types of risks are listed on page 9. Generally, all investments have the potential to increase in value, decrease in value, or stay the same. An increase in value generates a positive return while a decrease in value generates a negative return. Generally, the greater an investment s potential return, the greater the risk associated with that investment. Your investment timeframe Balanced Growth International Shares Australian Shares Many investors try to predict market cycles and make short-term speculative decisions in order to try and achieve superior returns. History has shown, however, that the best way to invest is to consistently buy quality investments and to hold them for the long term. Conservative Property Sector options Diversified options Having enough time in the market is an important consideration when selecting investments and strategies. Short-term fluctuations in investment returns are generally less important when your focus is on achieving a long-term growth objective. Interest Note: This chart represents the potential risk and potential return characteristics of each investment option. It is not a forecast of actual risk or returns. This scale is indicative only.

9 9 Investment risk Investment risk is the possibility your chosen investment option(s) may produce a negative or lower than expected return for a period of time. Types of investment risks to consider are: Market risk Economic, natural, political and monetary (for example, inflation and interest rates) factors can influence market valuations. Mismatch risk The risk of the investment(s) you choose may not suit your needs or circumstances. Inflation risk The risk of the purchasing power of your money being eroded by inflation. Interest rate risk The risk that changing interest rates may reduce your returns or cause you to lose money. Market timing risk The risk of the timing of your investment decision exposing you to lower returns or capital losses. Concentration risk Concentrating your investments adds risk. A lack of diversification can increase volatility and expose you to unexpected changes in market conditions. Currency risk The risk of currency movements affecting your investment. Liquidity risk The risk you may not be able to access your money quickly when needed. This is particularly relevant for the property investment option as some of the assets are invested in direct property funds that can have restrictions on access to the funds. Credit risk The risk of the investment managers you invest with not meeting their obligations (for example, default on interest payments). Sovereign risk The uncertainty of return on a foreign investment due to the possibility the foreign Government might take actions which are detrimental to the investors interests. Other significant risks Other risks you should consider include: Legislative risk The risk the Government will change the rules relating to superannuation (for example, rules dealing with tax on benefits or access to benefits). Legislative risk could also apply to certain investments resulting in loss of capital or reduced returns. Termination risk Trustees of superannuation funds reserve the right to modify or terminate a super fund at any time. If this should happen, any benefits which have been secured for you up to the date of change will be maintained and transferred to a fund of your choice. Combined Super has been operating since 1959 and is not expected to close in the foreseeable future. Standard Risk Measure The Standard Risk Measure is based on industry guidance to allow members to compare investment options that are expected to deliver a similar number of negative annual returns over any 20-year period. The Standard Risk Measure is not a complete assessment of all forms of investment risk. For example, it does not detail what the size of a negative return could be or the potential for a positive return to be less than you may require to meet your objectives. Further, it does not take into account the impact of administrative fees and tax on the likelihood of a negative return. You should still ensure you are comfortable with the risks and potential losses associated with your chosen investment option(s). The following table details the Standard Risk Measure. Risk Band Risk Label Estimated Number of Negative Annual Returns Over any 20-year Period 1 Very Low Less than Low 0.5 to less than 1 3 Low to Medium 1 to less that 2 4 Medium 2 to less than 3 5 Medium to High 3 to less than 4 6 High 4 to less than 6 7 Very High 6 or greater

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11 11 6. Your Investment Options Combined Super offers members a choice of four sector investment options and four diversified investment options. Sector options: Australian Shares International Shares Property Interest Diversified options: Growth Balanced Sustainable Responsible Investment (SRI) Conservative Each investment option has a different investment objective, strategy and level of risk and return. If you do not make a choice, (or your application form is not complete or incorrect) your TRP Account will be wholly invested in the Balanced investment option. You decide how many options to invest in You can invest your TRP Account in any number of the eight investment options. You can also choose a different mix of options for your existing account balance and different mix of option(s) from which your pension payments are made. If you choose more than one investment option you must ensure the total percentage split totals 100%. You can change your investment choice You can change your investment selection at any time, at no cost. Investment switching requests are processed on a forward pricing basis. This means your investment switch will be processed using the unit price for the month in which the request is received. For example, a switching request in July will be processed in Mid-August, when the unit price for July is calculated. It may be in your best interests to seek professional advice before making or changing your investment option(s). Different investment options have a different level of risk and return. If unsure please speak to one of our in-house financial advisers to help you select the appropriate option for you.

12 12 Sector Options: Australian Shares Option Investment objective To provide an investment return which exceeds the changes in the Consumer Price Index (CPI) by 4.5% per annum over rolling ten-year periods. Investment strategy Invests in a range of Australian share investment trusts. Minimum investment timeframe Long term if you choose this investment option be prepared to stay invested in it for more than ten years before it meets its objectives. Standard risk measure Estimated frequency of a negative annual return over any 20-year period: +6 years Risk band: 7 Risk label Very High risk returns can fluctuate from year to year, either moderately or considerably. International Shares Option Investment objective To provide an investment return which exceeds the changes in the Consumer Price Index (CPI) by 4.5% per annum over rolling ten-year periods. Investment strategy Invests in a range of International share investment trusts. Minimum investment timeframe Long term if you choose this investment option be prepared to stay invested in it for more than ten years before it meets its objectives. Standard risk measure Estimated frequency of a negative annual return over any 20-year period: +6 years Risk band: 7 Risk label Very High risk returns can fluctuate from year to year, either moderately or considerably. Strategic asset allocation range Benchmark Asset Class Investment Range (%) 97% Listed Australian Shares % 97% Growth Assets 3% Cash 0-10% 3% Defensive Assets Strategic asset allocation range Benchmark Asset Class Investment Range (%) 97% Listed International Shares % 97% Growth Assets 3% Cash 0-10% 3% Defensive Assets

13 13 Sector Options: Property Option Investment objective To provide an investment return which exceeds the changes in the Consumer Price Index (CPI) by 3% per annum over rolling ten-year periods. Investment strategy Mainly invests in Unlisted Property Trusts with some Listed Property Investment. Minimum investment timeframe Long term if you choose this investment option be prepared to stay invested in it for more than ten years before it meets its objectives. Standard risk measure Estimated frequency of a negative annual return over any 20-year period: less than 6 years Risk band: 6 Risk label High risk returns can fluctuate from year to year, either moderately or considerably. Interest Option Investment objective To provide an investment return which exceeds the changes in the Consumer Price Index (CPI) over rolling five-year periods. Investment strategy Invests in deposits, cash investment trusts, money market instruments and similar assets that aim to provide stable returns. Minimum investment timeframe Short term the expected volatility of this option is low, so it is appropriate for short-term investments. Standard risk measure Estimated frequency of a negative annual return over any 20-year period: less than 0.5 years Risk band: 1 Risk label Very low risk returns are unlikely to fluctuate from year to year. Strategic asset allocation range Benchmark Asset Class Investment Range (%) 48.5% Direct Property 0-100% 48.5% Listed Property 0-100% 97% Growth Assets 3% Cash 0-10% 3% Defensive Assets Strategic asset allocation range Benchmark Asset Class Investment Range (%) 100% Cash 0-100% 100% Defensive Assets

14 14 Diversified Options: Growth Option Investment objective To provide an investment return that exceeds the changes in the Consumer Price Index (CPI) by 4% per annum over rolling ten-year periods. Investment strategy Invests in a cross section of diversified assets with an emphasis on growth over the long term. Minimum investment timeframe Long term if you choose this investment option be prepared to stay invested in it for more than ten years before it meets its objectives. Standard risk measure Estimated frequency of a negative annual return over any 20-year period: less than 6 years Risk band: 6 Risk label High risk returns can fluctuate from year to year, either moderately or considerably. Balanced Option Investment objective To provide an investment return that exceeds the changes in the Consumer Price Index (CPI) by 3% per annum over rolling seven-year periods. Investment strategy Invests in a cross-section of diversified assets with a large proportion in Australian and International shares, Property, Infrastructure and Fixed Interest Securities. Minimum investment timeframe Long term if you choose this investment option be prepared to stay invested in it for more than seven years before it meets its objectives. Standard risk measure Estimated frequency of a negative annual return over any 20-year period: less than 6 years Risk band: 6 Risk label High risk returns can fluctuate from year to year, either moderately or considerably. Strategic asset allocation range Benchmark Asset Class Investment Range (%) 29% Australian Shares 0-50% 37% International Shares 0-50% 4% 15% Listed Property & Infrastructure Direct Property & Infrastructure 0-15% 0-50% 4.5% Growth Alternatives 0-25% 89.5% Growth Assets 7.5% Defensive Alternatives 0-20% 0% Australian & International Fixed Interest 0-20% 3% Cash 0-20% 10.5% Defensive Assets Strategic asset allocation range Benchmark Asset Class Investment Range (%) 21% Australian Shares 0-50% 27% International Shares 0-50% 3.5% 16.5% Listed Property & Infrastructure Direct Property & Infrastructure 0-15% 0-50% 15% Growth Alternatives 0-35% 83% Growth Assets 2.5% Defensive Alternatives 0-20% 4.5% Australian & International Fixed Interest 0-20% 10% Cash 0-20% 17% Defensive Assets Actual asset allocation may vary within the strategic asset allocation range due to market movements, investments into or withdrawals from the investment option, or changes in the nature of the investment. This information is current as at 1 August 2018 and is subject to change. International Shares are benchmarked to the MSCI All Country World Index (Net Dividends Reinvested), approximately 13% of which is exposed to emerging market shares, and 20% of the International Shares exposure is hedged to Australian dollars in the long-term benchmark. Alternatives may include private equity, forestry and infrastructure.

15 15 Diversified Options: Conservative Option Investment objective To provide an investment return which exceeds the changes in the Consumer Price Index (CPI) by 1.5% per annum over rolling five-year periods. Investment strategy Invests in a cross-section of diversified assets with an emphasis on security of capital. Minimum investment timeframe Medium term if you choose this investment option be prepared to stay invested in it for more than five years before it meets its objectives. Standard risk measure Estimated frequency of a negative annual return over any 20-year period: less than 3 years Risk band: 4 Risk label Medium risk returns can fluctuate from year to year, either moderately or considerably. SRI Balanced Option Investment objective To provide an investment return that exceeds the changes in the Consumer Price Index (CPI) by 2.5% per annum over rolling seven-year periods. Investment strategy Invests in a cross-section of diversified assets with an emphasis on growth from socially responsible investments over the medium term. Minimum investment timeframe Long term if you choose this investment option be prepared to stay invested in it for more than seven years before it meets its objectives. Standard risk measure Estimated frequency of a negative annual return over any 20-year period: less than 6 years Risk band: 6 Risk label High risk - returns can fluctuate from year to year, either moderately or considerably. Strategic asset allocation range Benchmark Asset Class Investment Range (%) 8% Australian Shares 0-20% 10% International Shares 0-20% 3% 9% Listed Property & Infrastructure Direct Property & Infrastructure 0-15% 0-30% 18.5% Growth Alternatives 0-35% 48.5% Growth Assets 14% Defensive Alternatives 0-50% 15% Australian & International Fixed Interest 0-50% 22.5% Cash 0-50% 51.5% Defensive Assets Strategic asset allocation range Benchmark Asset Class Investment Range (%) 27% Australian Shares 15-40% 28% International Shares 15-50% 4% 8% Listed Property & Infrastructure Direct Property & Infrastructure 0-10% 0-20% 1% Alternatives 0-10% 68% Growth Assets 7.5% Defensive Alternatives 0-45% 16.5% Australian & International Fixed Interest 0-45% 8% Cash 0-25% 32% Defensive Assets Actual asset allocation may vary within the strategic asset allocation range due to market movements, investments into or withdrawals from the investment option, or changes in the nature of the investment. This information is current as at 1 August 2018 and is subject to change. International Shares are benchmarked to the MSCI All Country World Index (Net Dividends Reinvested), approximately 13% of which is exposed to emerging market shares, and 20% of the International Shares exposure is hedged to Australian dollars in the long-term benchmark. Alternatives may include private equity, forestry and infrastructure.

16 16 6. Your Investment Options (continued) Unit pricing and your account Your investment in a Combined Super TRP Account is used to purchase units in the investment option(s) you have chosen. Your TRP Account at any time is simply the number of units you have in each option multiplied by the unit prices for those options at that time. Unit prices move up and down as a result of changes in the market value of investments and investment income (interest, dividends, rents, etc.). Tax and indirect investment-related expenses are also taken into account in determining unit prices. The movement in unit prices from 1 January to 31 December each year determines the annual return for each investment option. You can access the latest unit prices and annual returns in the Investments section on our website at Timing of unit prices and transactions Unit prices are calculated at the end of each month and published in the middle of the following month. The value of benefits paid is calculated using the latest published unit price at the date of payment. For example: a request for payment received on 5 July will be processed using the unit price as at 31 May because it was received before the middle of July and the June unit price has not been calculated. a request for payment received on 25 July will be processed using the unit price as at 30 June because it was received after the middle of July and the June unit price has been calculated. Investment switching requests are also processed on a forward-pricing basis. This means your investment switch will be processed using the unit price for the month in which the request is received. For example, a switching request received in July will be processed in mid-august, when the unit price for July is calculated. Combined Super may suspend the determination of a unit price in abnormal circumstances such as where there is sharp market volatility or there is a disruption to information required for the determination. How your investments are managed The assets of the Fund are invested in funds managed by professional, external investment managers. The performance of the investment managers is continuously monitored and changes may be made from time to time. The Trustee carries out a review of the Fund s investment strategy at least annually. The Trustee has in place a process to actively manage the investment strategy and may allow the allocation to a specific investment sector to fall below the minimum of the stated range should it become concerned by extreme asset valuations. The Trustee can also increase the Fund s exposure to sectors that are undervalued and can protect the capital base by reducing exposure to over-valued sectors. Derivatives Policy Derivatives are financial contracts whose values depend on or are derived from assets, liabilities or indices. They include options, warrants, futures, swaps and forwards. The Trustee has determined that it will not invest in derivatives directly in its own right. However, the Trustee may appoint agents (such as transition managers) who may transact in derivatives on behalf of the Fund. The Trustee may also invest in derivatives under the terms of appointment set out in a mandate or collective investment offer document. The Trustee requires each of its investment managers to provide a statement of compliance with its own derivatives policy each quarter. Reserves Policy The Trustee maintains an Operational Risk Financial Requirement Reserve within the Fund to cover losses arising from operational risks which are defined as the risk of loss resulting from inadequate or failed internal process, people and systems or from external events. It includes legal risk but excludes strategic and reputational risk.

17 17 Sustainable Responsible Investments (SRI) Policy Our policy is to appoint investment managers to invest the Fund s assets but not interfere with the investment processes of those managers. In keeping with this policy, the Trustee does not take into account labour standards or environmental, ethical or social considerations and does not have a predetermined view of such considerations or how far they should be taken into account when investing on behalf of members. At present, only one investment manager AMP Capital has been appointed to manage our SRI Balanced investment option, but other managers may be appointed in the future. AMP Capital invests in the Responsible Investment Leaders Balanced Fund using its own multi-manager strategy. In selecting underlying managers for the SRI Balanced investment option, consideration and assessment is made from a financial, governance, social and environmental perspective. From a social and environmental perspective, AMP Capital seeks out managers that identify leaders across industries, in their responsible approach to the following SRI issues: Underlying managers are also required to avoid companies operating within sectors with recognised high negative social impact. This means that investments will avoid exposure, either directly or indirectly through underlying managers and funds, to companies with material exposure to the production or manufacture of alcohol, armaments, gambling, pornography, tobacco and nuclear power (including uranium). Material exposure is considered to be where a company derives more than 10% of its total revenue from these industries. However, a zero revenue test applies for those companies manufacturing tobacco or controversial weapons. If a company falls below the nominated SRI standards, the underlying manager is required to sell its investment in the company within six months. This policy is monitored and a breach may result in the termination of the underlying manager. The policy also requires that underlying managers review individual companies if there are major changes to the companies, such as takeovers or major environmental incidents. Environmental considerations including energy and resource use and product stewardship (for example, where a company takes into account the life cycle of the product, from manufacture to the extent to which the product can be recycled); Social considerations including indigenous relations and community involvement; Ethical considerations including meeting fundamental human rights and articulating and implementing a Code of Conduct; Labour standards including the Occupational Health and Safety, International Labour Organisation standards, working conditions and the exclusion of child labour; and Governance considerations including meeting corporate governance guidelines on board structures and remuneration. Additionally, investment managers and funds are well regarded if they actively participate in corporate engagement and governance initiatives. Combined Super is certified by the Responsible Investment Association Australasia (RIAA) under their Certification Program in the category of Superannuation Fund. The Certification Symbol signifies that Combined Super s SRI Balanced investment option is of an investment style that takes into account environmental, social, governance or ethical considerations. The Symbol also signifies that Combined Super has adopted strict disclosure and education practices required under the Responsible Investment Certification Program for the category of Superannuation Fund. The Certification Symbol is a Registered Trade Mark of the Responsible Investment Association Australasia (RIAA). Detailed information about RIAA and Combined Super s methodology and performance can be found at www. responsibleinvestment.org.au, together with details about other responsible investment products certified by RIAA*. * The Responsible Investment Certification Program does not constitute financial product advice. Neither the Certification Symbol nor RIAA recommends to any person that this financial product is a suitable investment or that returns are guaranteed. RIAA is not a financial services business and does not hold an Australian Financial Services Licence.

18 18 7. Fees and Costs Did you know? Small differences in both investment performance and fees and costs can have a substantial difference on your long-term returns. For example, total annual fees and costs of 2% of your account balance rather than 1% could reduce your final return by up to 20% over a 30-year period (for example, reduce it from $100,000 to $80,000). You should consider whether features such as superior investment performance or the provision of better member services justifies higher fees and costs. You may be able to negotiate to pay lower administration fees*. Ask the Fund or your financial adviser**. To find out more If you would 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 calculator to help you check out the different fee options. *The superannuation calculator can be used to calculate the effect of fees and costs on account balances. The fees and costs you may be charged are set out below. These fees and costs may be deducted from your TRP Account, from the returns on your investment or from the Fund assets as a whole. Taxes are set out in the Tax and your Pension section of this PDS. You should read all of the information about fees and costs because it is important to understand their impact on your investment. For Combined Super Pension accounts Type of Fee Amount How and When Paid Investment Fee Nil Not applicable Administration Fees Account-keeping fee: $1 per week Administration fee: 0.355% p.a. The account-keeping fee is deducted from your account quarterly. The administration fee accrues monthly and is included in the calculation of the unit price and is not deducted directly from your account. Buy-Sell Spread Nil Not applicable Switching Fee Nil Not applicable Exit Fee Advice Fees Lump sum withdrawals: $67 Regular pension payments Nil Deducted from your account Nil No advice fee is payable to receive general and simple personal advice about your Combined Super account. Other Fees and Costs 1 Various Deducted from your account where applicable Indirect Cost Ratio (ICR) 2 Underlying manager costs: range between 0.035% p.a. and 0.950% p.a. Transaction/operating costs: range between 0.002% p.a. and 0.387% p.a. Indirect costs are deducted from the assets of the option(s) or the assets of underlying vehicles before the unit price for an investment option(s) in which you invest in is determined. See the Indirect Cost Ratio table on page 21. Indirect costs are not deducted directly from your account. The fees shown are current for the 2018/19 financial year and are subject to change. 1. Other fees and costs, such as Family Law fees or advice fees for personal advice may apply. Refer to the Additional explanation of fees and costs on the following pages for further information. 2. The ICR is an estimate for the 2018/19 financial year, based on the investment related costs incurred for the 12 months ended 30 June Actual costs may vary depending on the investment option(s) you choose. It may change from year to year. If actual costs vary considerably from this estimate, the estimate will be updated. * This text is required by law. Combined Super does not negotiate fees and costs. ** Not applicable. Combined Super has a set fee structure and does not pay commissions to advisers.

19 19 Additional explanation of fees and costs Other fees and costs Family law fees The Fund will charge a fee of $80 for completing a Family Law Form 6 Declaration. Financial adviser fees General financial advice and simple personal advice to members is provided at no additional charge. The cost of this service is included in the Fund administration fees charged to member accounts; therefore you will not incur a direct fee. There may be a cost for providing comprehensive personal financial advice, which can be deducted directly from your Combined Super TRP Account. Comprehensive personal financial advice can assist you in areas including non-super investment product advice, retirement planning and wealth accumulation strategies. Personal advice may be provided by phone or face-to-face and is provided at a fixed fee based on the extent of your advice requirements. For personal advice, we will provide you with a quote detailing any potential fees before you decide to proceed. In determining this quote we consider the scope of the advice you are seeking, the level of complexity of the advice you require and the time it is likely to take us to gather and consider information about your personal circumstances, undertake product research, prepare the Statement of Advice and present it to you. Combined Super advisers do not receive commissions, fees or bonuses for the advice services that they provide to you. Fee increases or changes Combined Super reserves the right to change the fees charged at any time. Should fees increase, we will ensure you are notified in writing at least 30 days before any increase takes effect. The administration fee and investment fees reflect the actual costs paid by the Fund and may change from time to time. If this happens, we will tell you in the next Annual Report. Definition of the types of fees you may be charged Superannuation law provides the following general definitions of the fees that Funds are allowed to charge. Activity fees A fee is an activity fee if: (a) the fee relates to costs incurred by the Trustee of the super fund that are directly related to an activity of the Trustee: (i) that is engaged in at the request or with the consent of a member; or (ii) that relates to a member and is required by law; and (b) 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. Administration fees An administration fee is a fee that relates to the administration or operation of the super fund and includes costs that relate to that administration or operation, other than: (a) borrowing costs; and (b) indirect costs that are not paid out of the super fund that the Trustee has elected in writing will be treated as indirect costs and not fees, incurred by the trustee of the Fund or in an interposed vehicle or derivative financial product; and (c) costs that are 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. Advice fees It is an advice fee if: (a) the fee relates directly to costs incurred by the Trustee of the super fund because of the provision of financial product advice to a member by: (i) the Trustee of the fund; or (ii) another person acting as an employee of or under an arrangement with, the Trustee of the Fund; and (b) 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. Buy-sell spreads A buy-sell spread is a fee to recover transaction costs incurred by the Trustee of the super fund in relation to the sale and purchase of assets of the fund. No buy-sell spreads currently apply to your Combined Super account. Exit fees An exit fee is a fee to recover the costs of disposing of all or part of members interests in the Fund.

20 20 Indirect cost ratio The Indirect Cost Ratio (ICR) is the ratio of the total indirect costs for the investment option based on the total average of net assets the super fund attributed to the investment option. ICRs are deducted indirectly from your Combined Super TRP Account. A breakdown of these costs for each investment option is provided on page 21. Note: A fee deducted directly from a member s account or paid out of the super fund is not an indirect cost. No commissions Combined Super s financial advisers are paid a salary. They are not paid commissions to provide advice or recommendations about Combined Super. Investment fees An investment fee relates to the investment of the assets of a super fund and includes: (a) fees in payment for the exercise of care and expertise in the investment of those assets (including performance fees); and (b) costs that relate to the investment of assets of the super fund, other than: (i) borrowing costs; and (ii) indirect costs that are not paid out of the super fund and the Trustee has elected in writing will be treated as indirect costs and not fees, incurred by the fund or in an interposed vehicle or derivative financial product; and (iii) costs that are otherwise charged as an administration fee, a buy-sell spread, a switching fee, an exit fee, an activity fee, an advice fee or an insurance fee; but does not include property operating costs. Switching fees A switching fee is a fee to recover the costs of switching all or part of a member s interest in the super fund from one class of beneficial interest to another. No switching fees currently apply to your Combined Super TRP Account. Performance-related fees We do not deduct any performance fees from members accounts. However, some of the external managers of the unlisted trusts that Combined Super invests in may charge a performance-related fee that is payable when the manager s investment performance exceeds a specified benchmark. These are included in the indirect cost ratio and are indirectly borne by members who are invested in that investment option. The amount of performance-related fees payable is dependent on the individual arrangement Combined Super has with the relevant managers. The actual performance-related fees are taken into account when calculating the unit price of each investment option (where applicable) and may vary from year to year. Interposed vehicles Combined Super offers members investment opportunities into funds they may not be able to access as an individual, which allows for greater access to a broader asset pool. These underlying investments often have costs associated with them. If these investments meet ASIC s definition of an interposed vehicle, we are required to disclose the costs associated with these underlying investments. We have disclosed them as indirect costs. A vehicle such as an unlisted property trust may be an interposed vehicle if it is invested in as a means of gaining exposure to property as part of a balanced option s asset allocation to property. To determine whether an investment is an interposed vehicle, ASIC has determined certain tests that must be met. For details of this definition, refer to ASIC Regulatory Guide 97: Disclosing fees and costs in PDSs and periodic statements, as well as ASIC s website for any guidance notes. Example of annual fees and costs for the balanced option The table below is an example of how the fees and costs for the Balanced option for this product can affect your pension investment over a one-year period. You should use this to compare this product with other pension products. Example Balanced option Type of Fee Amount Balance of $50,000 Investment Fee PLUS Administration Fees PLUS Indirect Costs 1 EQUALS Cost of Product Nil Accountkeeping fee: $52 p.a. Administration fee: 0.355% p.a. Underlying Manager Costs: 0.543% p.a. Transaction / Operating Costs: 0.262% p.a. For every $50,000 you have invested in the Balanced option, you will be charged $0 each year. And, you will be charged $52 in account-keeping fees regardless of your balance plus an administration fee of $ And, indirect costs of $ each year will be deducted from your investment, although it is not deducted directly from your account. If your balance was $50,000, then for that year you will be charged fees of $632 2 for the Balanced option. 1. The fees shown are current for the 2018/19 financial year and are subject to change. 2. The ICR is an estimate for the 2018/19 financial year, based on the investment related costs incurred for the 12 months ended 30 June Actual costs may vary from time to time depending on the investment option(s) you choose. These fees are not deducted directly from your account. Additional fees may apply. If you make a lump sum withdrawal from your account you will be charged an exit fee of $67.

21 21 7. Fees and Costs (continued) Indirect Cost Ratio (ICR) table based on each investment option The ICR table represents the estimated investment-related costs for investing your Pension Account in each of the Fund s investment options. It includes costs in relation to interposed vehicles. The indirect costs are factored into the calculation of the unit prices for each investment option. The table below includes the Fund s estimated indirect cost ratio per investment option for the 2018/19 financial year, based on the investment related costs incurred for the 12 months ended 30 June The actual cost may vary from year to year. Investment Option Sector Options Indirect Cost Ratio (estimated pa) 1 Underlying Manager Costs Transaction / Operating Costs Total Australian Shares 0.724% 0.096% 0.820% International Shares 0.449% 0.387% 0.836% Property 0.489% 0.167% 0.656% Interest 0.035% 0.002% 0.037% Diversified Options Growth 0.554% 0.271% 0.825% Balanced 0.543% 0.262% 0.805% Conservative 0.490% 0.284% 0.774% SRI Balanced 0.950% 0.020% 0.970% 1. The ICRs are an estimate based on the investment-related costs incurred for the 12 months ended 30 June Actual costs may vary depending on the investment option(s) you choose. If actual costs vary considerably from these estimates, the estimates will be updated.

22 22 8. Tax and Your Pension A Combined Super Transition to Retirement Pension (TRP) Account offers a number of potential tax savings: No tax is payable on your pension income if you are age 60 or over. If you are under age 60, you can defer or eliminate lump sum tax by transferring your super benefits into a Pension Account. Tax may only be payable on part of your pension if you are under age 60 because a tax rebate applies. If you are aged between 55 and 60, income payments from TRP Accounts are treated as pension income stream payments and will be taxed at your marginal tax rate less 15%. The way that taxation affects your pension will depend on your circumstances. The following information should be used as a guide only, and is based on the assumption that the current tax laws continue to apply. Further information is available from the Australian Taxation Office ( or Tax components of your benefit Your TRP Account may consist of both a taxable component and a tax-free component. Your pension payments will consist of taxable and tax-free components in the same proportion as the components of your total benefit. For example, if you commenced a pension on 30 June 2018 of which 80% was a taxable component and 20% was a tax-free component, tax will apply to 80% of the pension paid to you, but be subject to a 15% offset (rebate). The tax-free ratio is calculated at the time of commencing the pension. That ratio is then fixed for the lifetime of the pension and all pension and lump sum payments made to you are deducted from the tax-free and taxable components in those proportions. You cannot choose which tax components your pension payments are taken from. Tax-free component The tax-free component is made up of: (a) a contribution segment that consists of the total of all non-concessional contributions made since 1 July that are not taxable within a super fund; and (b) any crystallised segment (the tax-free part of your benefit calculated and defined as at 1 July 2007). No tax is deducted from the tax-free component of your pension. Taxable component If you are age 60 or over, there is no tax payable on your taxable component. You will receive your benefit tax-free. If you are under age 60, tax is payable on the taxable component when paid as a pension. Tax on the taxable component of pension payments The taxable component of your pension payments forms part of your assessable income to be taxed at your marginal income tax rate plus the Medicare levy. You will receive a 15% tax offset (rebate). Combined Super will deduct tax in a similar way to an employer issuing a Pay As You Go (PAYG) summary after 30 June each year, provided you complete a Notice of Intent to Claim a Tax Deduction form, available by calling us on If you do not complete this form you may claim the tax benefits when you lodge your income tax return. Example Claire is aged 58 and has $100,000 in a TRP Account. The components are $20,000 taxfree and $80,000 taxable. Claire wants to draw an income of $10,000 p.a. Based on the taxable/ tax-free proportion. Combined Super would apply the following proportions to Claire s retirement: TRP Account balance $100,000 Income drawdown requirement $10,000 Tax-free component 20% $20,000 $2,000 Subject to tax component 80% $80,000 $8,000 This means, that tax combined with any other income tax payable for that year, will be reduced by an offset of $1,200 ($8,000 x 15%). Note: If you are already claiming the tax free threshold you cannot claim it again through your TRP Account. However, the tax offset is available against any eligible income from all relevant payers.

23 23 8. Tax and Your Pension (continued) Tax on investment earnings From 1 July 2017, TRP Accounts no longer attract a tax exemption on investment earnings. This means they are taxed the same as an Accumulation Account at a rate of 15% p.a., until you satisfy a relevant Condition of Release. Tax on death benefits The taxation of pensions paid as income or a lump sum to a dependent after the death of a member can be complex. The following is a brief summary. You should consider seeing a licenced financial adviser. Combined Super has in-house financial advisers who can explain the impact of tax on death benefits. If paid as a lump sum Lump sum death benefits paid to dependents (generally limited to your spouse and minor children) are tax-free. The tax-free component of a death benefit paid to non-dependents will be tax-free. The taxable component of a death benefit paid to non-dependents will be taxed at special rates. For more information, contact the Australian Taxation Office on If you and your beneficiary are aged 60 or over at the time of your death, all payments made from the pension to your beneficiary will be tax-free. If neither you nor your beneficiary are aged 60 or over at the time of your death, the pension will be taxed in the same way as a pension payable to a person between their preservation age and age 60. Pensions can be paid to a child of the deceased account holder only in restricted circumstances. Please contact us for more information. If paid as a reversionary pension The tax treatment of reversionary pension payments is as follows: If you are aged 60 or over at the time of your death, the pension payments made to your reversionary beneficiary will be tax-free regardless of your beneficiary s age. If you are under age 60 at the time of you death and your reversionary beneficiary is aged 60 or older, the pension payments made to your reversionary beneficiary will be tax-free. If you are under age 60 at the time of your death and your reversionary beneficiary is also under age 60, the tax treatment of the pension payment will continue using the same proportion of taxable and tax-free components on which the PAYG tax will be calculated until your beneficiary turns age 60, at which point in time the pension payments will become tax-free. If the 15% tax offset applies to all taxable pension payments paid for a pension commencing with a death benefit. Tax on rollovers No tax is generally payable if you elect to rollover your TRP Account to another complying super fund, a retirement savings account or another approved superannuation institution. Payment of tax by you is then deferred until such time as a benefit is paid to you in cash. The exception is where the rollover contains an untaxed component, which will be taxed at 15%. A higher rate of tax also applies to transfers over $1,445,000 from an untaxed scheme to a taxed scheme during 2018/19. Providing your Tax File Number (TFN) Under current legislation, the Trustee is required to invite you to provide your Tax File Number (TFN). Your TFN may only be used by the Trustee for certain purposes and penalties apply should the Trustee misuse the information. Choosing not to provide your TFN is not an offence, but it may mean you pay higher tax on your investment. Your annual Pension Member Benefit Statement shows whether you have supplied your TFN. If you have not supplied us with your TFN and would like to do so, please contact us on The information regarding the taxation of pensions is based on the assumption that you have provided your TFN to Combined Super.

24 24 9. General Information Benefit payments Most super benefits are preserved and must remain in the Australian super system until you reach preservation age. The rules about when you can access your benefit depend on whether it is classed as: Preserved; Restricted non-preserved; or Unrestricted non-preserved. Preserved benefits You can access preserved benefits only on retirement from the workforce and having reached your preservation age (see Preservation age on page 4): Subject to the governing rules of the Fund, preserved benefits may be paid to you when one of the following conditions of release is satisfied: You permanently retire from the workforce on or after your preservation age; You reach age 65 (even if you haven t retired); You terminate an employment arrangement on or after age 60; You are unable to work due to permanent or temporary disability; You die (benefits will generally be paid to your dependents or legal personal representative); You are experiencing severe financial hardship (subject to certain conditions and Trustee approval); On specified compassionate grounds as approved by the Australian Taxation Office; You are terminally ill (subject to any conditions prescribed by law); You terminate an employment arrangement and the value of your super account is less than $200; You are an eligible temporary resident who has permanently departed Australia; or You are participating in the First Home Super Savers Scheme. Restricted non-preserved benefits Restricted non-preserved benefits can be accessed upon satisfaction of the same conditions of release as preserved benefits. Otherwise, where your employment is terminated (for example, resignation, retrenchment, dismissal prior to retirement) by an employer who had at any time contributed to the Fund on your behalf, your restricted non-preserved benefits will be deemed unrestricted nonpreserved benefits and may be accessed at any time. Unrestricted non-preserved benefits Unrestricted non-preserved benefits are not subject to preservation age rules and, subject to Fund rules, may be paid to you at any time. The value of your non-preserved benefits was fixed on 1 July 1999 and will not increase unless you transfer or roll over non-preserved benefits from another fund or satisfy one of the conditions of release described under Preserved benefits. In some circumstances, the amount of your unrestricted non-preserved benefits may be reduced by negative investment returns and fees and charges where there is no preserved component from which these amounts may be deducted. If you transfer or roll over benefits (including preserved benefits) to another complying super fund at any time, the benefits will retain their status and remain subject to the preservation rules in the new fund. Note: Under the Government s rules for retired person s pensions we must first draw your pension payments from any non-preserved benefit in your account before we draw from preserved benefits. Keeping you informed Communication As a Combined Super Transition to Retirement Pension member we will send you: a 6-month Benefit statement covering the period 1 January to 30 June (sent in July each year); a 6-month Benefit statement covering the period 1 July to 31 December (sent in March or April each year); advice as to the minimum and maximum pension payment amounts for the year ahead (issued annually); and a PAYG payment summary for the financial year if you have not attained age 60. From time to time, we ll also send you other member communications including investment information and super updates. Members are also sent written confirmation whenever they change their investment option(s). Members can also obtain current information about their accounts from the website. Annual Report The Fund prepares an Annual Report at 31 December each year which is available from or by calling on

25 25 9. General Information (continued) Website Our website at contains a range of information about the Fund, including the latest unit price for each investment option. Through our interactive website, you can also securely access your TRP Account details including current balance, payment history, nominated dependents and personal details, as well as check/change address details and check/change your investment choice. Fund documents Any document that Combined Super is required to make available to members will be provided to you within one month of your request, including the Annual Report, Trust Deed, the Fund s Financial Statements and the Auditor s Report. We will also provide, on request, any information that you may reasonably require to understand the operations of the Fund. Financial Advice Service Combined Super provides you with access to two types of advice services: General advice General advice does not take into account your particular financial objectives, situation or needs. Examples of general advice include information about the Fund s investment options and how to access your pension. You should assess your own financial situation and read the PDS before making an investment decision based on general advice. This advice is paid for by the Fund and is at no cost to members. Personal advice Personal advice is where one or more of your personal circumstances are considered when providing the advice. There are different types of personal financial advice that you can receive from an adviser: Simple, single issue advice addresses a particular aspect of your finances, for example, how your pension interacts with your Centrelink benefits. It s not comprehensive advice. Comprehensive financial advice involves developing a comprehensive financial plan to help you set and achieve your financial goals. It will cover things like saving, investments, superannuation and retirement planning. This sort of plan should be monitored and adjusted over time. You will receive a Statement of Advice (SOA) when comprehensive personal advice is provided. The SOA will contain the advice, the basis (reasons) on which it is given and information about fees, commissions and associations which may have influenced the provision of the advice. Copies of all documents are retained as required by law. If further advice is then provided to you, you will receive a Record of Advice. In the event we make a recommendation to acquire a particular financial product, we must also provide you with a Product Disclosure Statement (PDS). A PDS contains information about the particular product (features, costs, risks and benefits), which will enable you to make an informed decision in relation to the acquisition of that product. Telephone enquiries If you have a question about your TRP Account, we re here to help. Simply call us on for a discussion. Cooling-off period If you have completed and submitted in an application to open a Combined Super Transition to Retirement Pension Account, a 14-day cooling-off period applies from the date your application is accepted. During this period, you may write to the Trustee to cancel your Pension Account. The amount of your pension will be returned to an accumulation account and there will be no fees and charges incurred. The amount of repayment may, however, be adjusted to take account of any increase or decrease in investment value and any taxes payable.

26 26 Enquiries and complaints Feedback is very helpful to us, so if you have a comment or question feel free to contact us (see below for details). The Fund also has in place procedures to deal with any complaint you may have. Complaints about the Fund can usually be resolved promptly. However, if you are unhappy with our initial response, you may write to the Fund s Complaints Officer who will provide an initial response within 28 days. Super regulations stipulate that the Trustee then follows a formal complaints consideration procedure and provides a full response to you within 90 days. If your complaint has not been resolved to your satisfaction, you may be eligible to refer your complaint in writing to the Superannuation Complaints Tribunal (SCT) (up to 31 October 2018) or the Australian Financial Complaints Authority (AFCA) from 1 November 2018 onwards. For more information on eligibility or to lodge a complaint: Superannuation Complaints Tribunal Locked Bag 3060, Melbourne VIC 3001 (p) (e) info@sct.gov.au (w) Australian Financial Complaints Authority GPO Box 3, Melbourne VIC 3001 (p) (e) info@afc.org.au (w) Privacy Policy The Trustee is bound by the Australian Privacy Principles set out in the Privacy Act 1988 (Cth). The Act regulates the way the Trustee and the Fund s Administrator collect, hold and use members personal information. This personal information is collected to enable the Trustee and the Fund s Administrator to administer members entitlements under the Fund. The Trustee will not collect any personal information that it does not require to administer such entitlements. Members personal information is stored in secure facilities and databases and is only accessible to authorised personnel. Members are entitled to access their personal information (subject to some exceptions set out in the Trustee s Privacy Policy) and to request changes to any details that are incorrect or out of date. Other organisations may also have access to members personal information. The Trustee s Privacy Policy is available at or by calling the Fund on Anti-Money Laundering and Counter Terrorism Financing Procedures The Trustee is required to carry out proof of identity procedures before paying your pension. These requirements arise under the Government s Anti-Money Laundering and Counter Terrorism Financing legislation. The Trustee is required to collect members identification information and to verify it by reference to a reliable independent source. You will be notified of these procedures when applicable. If you do not provide the information or the Trustee is unable to verify the information as required, your benefit payment may be delayed or affected.

27 How to Open an Account Opening a Transition to Retirement Pension Account 1 Read this PDS This PDS details how Combined Super s Transition to Retirement Pension Account operates and outlines its benefits and features. If you need advice tailored to your own personal situation we recommend you speak to a licensed financial adviser. Combined Super offers financial advice through our in-house financial advice team. 2 Complete the application form and tax file number declaration form Complete the Transition to Retirement Pension Application Form overleaf which includes a section for you to make your investment choice and pension payment arrangements. If you are under age 60, you will also have to complete a Tax File Number Declaration Form. This form is available at or by calling us on Return your completed form(s) to Combined Super On commencing a Combined Super Transition to Retirement Pension you will receive a welcome letter and confirmation of your new TRP Account member number, investment selection, payment arrangements and online access details. 11. Application Form See next page for Transition to Retirement Pension Application Form.

28 Transition to Retirement Pension Application Form Use this form to open a Transition to Retirement Pension Account. Please write in CAPITAL LETTERS and use a blue or black pen. Once you ve completed and signed the form, please mail to: Combined Super, GPO Box 4559, Melbourne VIC 3001 or a scanned copy to admin@combinedsuper.com.au If you have any questions, please contact our Member Services Team on YOUR PERSONAL DETAILS 01 Title Surname Given name(s) Date of birth D D M M Y Y Y Y Residential Address Street number Street name Suburb/town State Postcode Postal Address (if different from above) Street number Street name Suburb/town State Postcode Phone number (home) Mobile Address Combined Super Member Number (existing accumulation account) Tax File Number (if not previously supplied) * *Under the Superannuation Industry (Supervision) Act 1993, you are not obliged to disclose your tax file number but there may be tax consequences if you choose not to do so. AMOUNT TO BE INVESTED 02 Combined Super requires you to transfer a minimum of $20,000 from your Accumulation Account in order to commence a TRP Account. Please nominate one of the following amounts to be retained in your Combined Super Accumulation Account. $1,500 to be retained (minimum amount) $ to be retained (cannot be less than $1,500) If you are eligible and wish to claim a tax deduction for personal contributions made during the financial year, you must claim the tax deduction before transferring your account to a TRP Account. For more information, visit Fund ABN RSE ABN

29 TRANSFERRING SUPER FROM ANOTHER FUND 03 Do you want to transfer super from an account with another fund and add it to your TRP Account? If so, the transfer must be made before your TRP Account is established. Yes - See below No - Go to Step 4 Please complete a Transfer In Form (available from and provide it to us together with this Form. Upon receipt of the Transfer In Form, we will arrange the transfer of the other accounts to your Combined Super TRP Account on your behalf and notify you when the transfer is complete. MAKING A PERSONAL CONTRIBUTION 04 Do you want to make a personal contribution and add it to your TRP Account? If so, the contribution must be made before your TRP Account is established. Yes - See below No - Go to Step 5 Please complete a Personal Contribution Form (available from and provide it to us together with this Form. INVESTMENT OPTIONS 05 If you don t want to make a choice, or your choice does not add up to 100%, your TRP Account will be wholly invested in the Balanced investment option unless and until you make a valid investment choice. You may switch your investment option(s) at any time, free of charge. Please complete the investment section below to indicate which investment option(s) you would like your TRP Account invested in. You may choose one or more investment option(s). Australian Shares % Balanced % Sector Options International Shares % Property % Diversified Options Growth % Conservative % Interest % SRI Balanced % Total % Important: You must choose the proportion in whole numbers and you must ensure the total proportion for the investment option(s) selected totals 100%. YOUR PENSION PAYMENT ARRANGEMENTS 06 Please select how much you would like to receive each year. You have three options please choose only one. The minimum amount allowed by law (including any Government relief available) The maximum amount allowed by law I nominate the (after-tax) amount of $ Choose how often would you like to be paid If you do not choose how frequently you would like your pension paid, Combined Super will automatically pay you monthly. I want to receive my pension payments: Monthly Quarterly Yearly in advance Yearly in arrears Choose when to receive your first pension payment Your pension will be paid directly to your nominated account on the 21st of each month. D D M M Y Y Y Y Fund ABN RSE ABN

30 YOUR PENSION PAYMENT ARRANGEMENTS (CONTINUED) 06 Choose the investment drawdown proportions from your investment options I want my pension payments deducted from my account as per below. Please choose one option only. If you do not make a selection, the Matching Payment Option will apply. OR Matching Payment Option - Deduct pension payments in the same proportion as the investment option(s) I have selected. Nominated Payment Option - Deduct pension payments from my selected investment option(s) in the proportion shown below: Australian Shares % Balanced % Sector Options International Shares % Property % Diversified Options Growth % Conservative % Interest % SRI Balanced % Total % Important: You must choose the proportion in whole numbers and you must ensure the total proportion for the investment option(s) selected totals 100%. Note: If your selected investment option(s) for pension payments runs out of money, future payments will be deducted from your other investment option(s) (if any) in proportion to your remaining account balance. PAYMENT INSTRUCTIONS 07 We can only make payments into an Australian bank, credit union or building society account that s in your name or in an account held jointly with another person. This means we can t make payments into a business, trust or loan account, or to a third party. If you provide incorrect details there could be a delay in your payment and we can t accept responsibility for this. Please arrange for my pension payment to be paid to my nominated bank account below. Name of Australian financial institution BSB Account Name Account Number To ensure the security of your pension payments, we require a copy of your bank statement that contains the account s details, including name, BSB and account number. Transaction details are not required. Please attach the statement to this form. BENEFICIARY DETAILS 08 You can choose between nominating a reversionary beneficiary (who must be your spouse) to receive your pension payments after death, or one or more preferred beneficiaries to receive your account balance as a lump sum on death. Refer to page 7 of this PDS to ensure your nominated beneficiaries are eligible. Please choose one option only Option 1 Reversionary beneficiary nomination A reversionary beneficiary nomination can only be changed under exceptional circumstances. If you do not nominate a reversionary beneficiary before your pension commences, you cannot do so later. I wish to nominate my spouse (whose details are listed below) to continue receiving pension payments when I die. Full name Phone number Reversionary s date of birth D D M M Y Y Y Y Street number Street name Suburb/town State Postcode Fund ABN RSE ABN

31 BENEFICIARY DETAILS (CONTINUED) 08 Option 2 Preferred beneficiary nomination I wish to nominate the following beneficiaries to receive my pension account balance as a lump sum when I die. The Trustee will decide who will receive your pension account balance in the event of your death. The Trustee will have regard to your preferred beneficiary nomination, but may decide to pay your death benefit differently. My Legal Personal Representative My dependants as listed below: Dependant 1 Full name Relationship to you (e.g. partner, son, etc) % of benefit Beneficiary s date of birth % D D M M Y Y Y Y Street number Street name Suburb/town State Postcode Dependant 2 Full name Relationship to you (e.g. partner, son, etc) % of benefit Beneficiary s date of birth % D D M M Y Y Y Y Street number Street name Suburb/town State Postcode Dependant 3 Full name Relationship to you (e.g. partner, son etc) % of benefit Beneficiary s date of birth % D D M M Y Y Y Y Street number Street name Suburb/town State Postcode Dependant 4 Full name Relationship to you (e.g. partner, son, etc) % of benefit Beneficiary s date of birth % D D M M Y Y Y Y Street number Street name Suburb/town State Postcode Fund ABN RSE ABN

32 SPOUSE AUTHORISATION 09 Please complete this section if you would like to authorise your spouse to communicate with Combined Super about your TRP Account. Title Surname Given name(s) CERTIFIED IDENTIFICATION DOCUMENTS PROVIDED 10 For identification purposes, you must attach a certified copy of a document that proves your identity. Option 1 Current Driver s Licence or Passport Option 2 if you do not have a Driver s Licence or Passport, one of each of the following: AND Either a birth certificate or extract, Australian citizenship certificate OR Centrelink pension card A letter addressed to you from Centrelink regarding a benefit payment or a letter from a Federal, State, Territory or local Government body showing your name and residential address (e.g. Rates Notice or Tax Office Notice of Assessment) that is less than 12 months old. See the information provided on the last page for who is able to certify that your documents are true and correct. Your name must be the same as shown on your proof of identity, or additional change of name documentation must also be provided with this form. Failure to provide appropriate proof of identification may result in delays in processing of your application and payment(s). DECLARATION AND SIGNATURE 11 I understand that by signing this form: I am applying to become a member of the Combined Super Transition to Retirement Pension and agree to be bound by the provisions of the Trust Deed of the Fund as amended from time to time. I am certifying that I have obtained, read and understood the information contained in the latest Combined Super Transition to Retirement Pension Account Product Disclosure Statement (PDS) as at the date of completing this application. I am agreeing to provide the Trustee with all the information required for the management and administration of my pension account. I am agreeing to Combined Super using my address to send me important information about my pension account electronically (including statements and notices of product and other changes to my account). I understand I can change my communication preferences by contacting Combined Super. I am authorising Combined Super to use my TFN as intended. I am certifying that I have provided information which is correct and complete. If there are any changes to this information I will advise Combined Super as soon as possible. I am certifying that I have read the Privacy Statement below and I understand how Combined Super will use my personal information. Signature of applicant Date D D M M Y Y Y Y PRIVACY STATEMENT: By signing this form you consent to Combined Super collecting and using your personal information to manage your superannuation and to comply with the relevant legislation. If you do not provide this information, we may not be able to accurately manage your superannuation. Your personal information may be disclosed to other parties, including the Trustee Board, the Fund s Administrator and professional advisers, government bodies and the Trustee of any other fund to which you transfer. To access your personal information or for a copy of our Privacy Policy, visit or phone Fund ABN RSE ABN

33 HOW TO CERTIFY IDENTIFICATION You need to photocopy both sides of each page of the document and take these copies and the original to a person authorised to certify documents. They must sight the original and the copy and make sure both documents are identical, then include the following details on the copy: Write or stamp certified true copy Their qualification Their name and address Their signature and the date the copy was signed CERTIFICATION OR PROOF OF IDENTIFICATION DOCUMENTS All copied pages of ORIGINAL proof of identification documents need to be certified as true copies by an authorised individual. The following persons can certify copies of original proof of identification documents as true and correct copies: Occupation Chiropractor Dentist Legal Practitioner Other persons Medical Practitioner Nurse Optometrist Agent of the Australian Postal Corporation who is in charge of an office supplying postal services to the public Australian Consular Officer or Australian Diplomatic Officer (within the meaning of the Consular Fees Act 1955) Bailiff Bank officer with two or more continuous years of service Building society officer with two or more continuous years of service Chief executive officer of a Commonwealth court Clerk of a court Commissioner for Affidavits Commissioner for Declarations Credit union officer with two or more continuous years of service Employee of the Australian Trade Commission who is: - in a country or place outside Australia; and - authorised under paragraph 3 (d) of the Consular Fees Act 1955; and - exercising his or her function in that place Employee of the Commonwealth who is: - in a country or place outside Australia; and - authorised under paragraph 3 (d) of the Consular Fees Act 1955; and - exercising his or her function in that place Fellow of the National Tax Accountants Association Finance company officer with two or more continuous years of service Holder of a statutory office not specified in another item in this list Judge of a court Justice of the Peace Magistrate Marriage celebrant registered under subdivision C of Division 1 of Part IV of the Marriage Act 1961 Master of a court Member of Charted Secretaries Australia Member of Engineers Australia, other than at the grade of student Member of the Association of Taxation and Management Accountants A person who is enrolled on the roll of the Supreme Court of a State or Territory, or the High Court of Australia, as a legal practitioner (however described) Patent attorney Pharmacist Physiotherapist Psychologist Trade Marks Attorney Veterinary Surgeon Member of the Australian Defence Force who is: - an officer; or - a non-commissioned officer within the meaning of the Defence Force Discipline Act 1982 with two or more continuous years of service; or - a warrant officer within the meaning of that Act Member of the Institute of Chartered Accountants in Australia, the Australian Society of Certified Practising Accountants or the National Institute of Accountants Member of: - the Parliament of the Commonwealth; or - the Parliament of a State; or - a Territory legislature; or - a local government authority of a State or Territory Minister of religion registered under Subdivision A of Division 1 of Part IV of the Marriage Act 1961 Notary public Permanent employee of the Australian Postal Corporation with two or more continuous years of service who is employed in an office supplying postal services to the public Permanent employee of: - the Commonwealth or a Commonwealth authority; or - a State or Territory or a State of Territory authority; or - a local government authority with two or more continuous years of service who is not specified in another item this list Person before whom a statutory declaration may be made under the law of the State or Territory in which the declaration is made Police officer Registrar or Deputy Registrar of a court Senior Executive service employee of: - the Commonwealth or a Commonwealth authority; or - a State or Territory or a State of Territory authority Sheriff Sheriff s officer Teacher employed on a full-time basis at a school or tertiary education institution Member of the Australasian Institute of Mining and Metallurgy An officer with or authorised representative of a holder of an Australian Financial Services Licence, having two or more continuous years of service with one or more licensees Fund ABN RSE ABN

34 Notes

35 Notes

36 We re here to help, so contact us today! combinedsuper.com.au Level 9, 155 Queen Street, Melbourne Vic 3000 GPO Box 4559, Melbourne Vic 3001 Issued by Combined Fund Pty Ltd (ABN ; RSE L ); MySuper Authorised ( ), the Trustee of the Combined Super Fund (Combined Super) (ABN ; RSE R ).

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