Nomination of Beneficiaries
|
|
- Piers Potter
- 6 years ago
- Views:
Transcription
1 Nomination of Beneficiaries Nomination of Beneficiaries Information Guide and Form The Executive Superannuation Fund ( the Fund ) offers you two types of beneficiary nominations to allow you to inform us of your intentions for the payment of your benefit from the Fund upon your death. The two types of nominations are: 1. Binding beneficiary nomination; and 2. Non-binding beneficiary nomination. These nominations apply to lump sum payments only and will apply to any benefits you accrue in any Plan of the Fund until such time as the nomination expires, is revoked or replaced with another valid and effective nomination. A summary of each type of beneficiary nomination is outlined below. The Nomination of Beneficiaries Form which you will need to complete to make your beneficiary nomination is included on page 3 of this document. When completing the form, please consider each type of nomination and, where appropriate, seek qualified estate planning, financial or taxation advice prior to choosing which type of nomination is right for you. Binding beneficiary nominations You can elect to make a binding nomination, which means that upon your death, the Trustee is obliged to pay any remaining account balance to the person(s) you have nominated, provided the nomination is valid and effective at the date of death. For a binding nomination to be valid: The nominated individual/s must be either a dependant or your legal personal representative at the date of your death. For definitions of these terms, please refer to page 2 of this guide. Your binding nomination must be witnessed by two individuals who are aged 18 or over (and are not your nominated beneficiaries). A binding death benefit nomination remains valid for three years from the date it is signed, so you must re-nominate beneficiaries every three years for your nomination to remain binding. You can amend or revoke your binding nomination at any time. Any amendment or revocation must also be in writing and signed before two witnesses (as described above). Please note that a valid binding nomination will remain in effect even if your personal circumstances change. It is important that you update or amend your binding death benefit nomination if there is a significant change in your personal circumstances such as marriage, divorce, the death of a nominated beneficiary or the birth of a child, to ensure that your binding nomination continues to reflect your wishes. Where a binding nomination is no longer valid, it becomes a non-binding nomination, whereby the decision as to whom your death benefit is paid lies with the Trustee. If there is any other information you reasonably need to understand your right to make a binding nomination, please contact us (contact details on page 4). Non-binding beneficiary nominations You can elect to make a non-binding beneficiary nomination, which means that upon your death, the Trustee is not obliged to pay any remaining account balance to the person(s) you have nominated. You may nominate a dependant and/or legal personal representative to receive your benefit upon your death. Whilst full consideration is given to your wishes when you have made a non-binding beneficiary nomination, it is important to note that if you have dependants or a legal personal representative, the Trustee is required, under the Fund s Trust Deed to pay the benefit to your dependants or legal personal representative in such proportions as the Trustee sees fit. However, if you do not have any dependants or a legal personal representative, the Trustee has the discretion to pay the benefit to a third party who is a nondependant. In making a decision regarding payment to a non-dependant, the Trustee takes into account your personal circumstances at the time of your death, however, the Trustee may distribute the benefit to individuals that you have not nominated. Please note that different taxation treatment applies to death benefits paid to a non-dependant of the deceased (see the definitions on page 2 of this guide for more details). For more information about the taxation of benefits, please contact us (contact details on the last page). If you are unsure which nomination is right for you, please seek professional advice. In addition, you may consider making a will. If you would like to do so, you should consult a solicitor or the office of the Public Trustee. While the Trustee will take your will into consideration as an indication of your intentions, the Trustee will not be bound to follow it. Page 1 of 5
2 Investment of superannuation benefits between the date of a member s death and payment to beneficiaries In the event of a member s death, the Trustee will invest the benefit of the deceased member into the Fund s Cash Option upon receipt of relevant written notification. This approach is intended to ensure that the final benefit paid from the Fund corresponds as closely as possible to the value of the deceased member s benefit at the time of their death. The Cash Option is invested entirely in cash assets and, as such, provides a low-risk investment vehicle which is suitable for the investment of superannuation death benefits during the timeframe in which most death benefits are paid out from the Fund. Further details regarding the Cash Option are available in the PDS relevant to your category of membership in the Fund or in the Investment Guide (available on the Fund s website or by contacting us). Definitions Dependant Legal Personal Representative Non-dependant Spouse In relation to a member, a dependant includes the spouse of the member, any children of the member (including a child of the member s spouse or someone recognised as a child under the Family Law Act), any person financially dependent on the member and any person with whom the member has an interdependency relationship. Two people have an interdependency relationship if they satisfy ALL of the following criteria: 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. If two people have a close personal relationship but the other criteria above are not satisfied due to the fact that one person suffers from a physical, intellectual or psychiatric disability, they may still have an interdependency relationship. Note: for taxation purposes, a child aged 18 or above is not a dependant (unless financially dependent on the member or interdependent). Additionally, the Government has expanded the eligibility rules for tax-free superannuation benefits to include beneficiaries in interdependency relationships of continuing mutual commitment to financial and emotional support between two people who reside together. Same-sex couples, live-in adult carers of elderly parents, and siblings with common finances are now eligible to receive superannuation benefits on a tax-free basis. Your legal personal representative may be either: Your executor appointed by you under your will to administer your estate; or The administrator appointed by a court to administer your estate where you do not have a will. Beneficiaries/recipients who are not covered by the definition of dependant above will generally be treated as a non-dependant for the purposes of a superannuation death benefit. Note: for taxation purposes, a non-dependant includes a child aged 18 or older (unless the child is otherwise financially dependent or interdependent as set out above). A spouse includes a person to whom you are legally married or a person who, although not legally married to you, lives with you on a bona fide domestic basis in a relationship as a couple, and a person with whom you have a relationship that is registered under a State or Territory Law. A spouse may include a same-sex partner. This document has been prepared to provide you with general information only and does not take into account your individual objectives, financial situation or needs. Before acting or relying on any information, you should consider whether it is appropriate for your circumstances having regard to your objectives, financial situation and needs. You should obtain and consider carefully the PDS relevant to your category of membership in the Fund prior to making any decision regarding your superannuation benefits, and if required, seek qualified financial, taxation or estate planning advice. Page 2 of 5
3 Nomination of Beneficiaries Form This nomination is for lump sum payments only and will apply to any benefits you accrue in any Plan of the Fund until such time as the nomination expires, is revoked or replaced with another valid and effective nomination. Employer Name Member number Personal details Title Given Names Surname of Birth Contact phone number Residential address Suburb State Postcode Personal address Preferred Method of Contact: Please nominate your preferred method of contact by ticking a box below: Personal address Postal address Contact phone number. Nomination of beneficiaries Type of nomination (Please select one only): *Binding (2 witnesses required) Non-Binding (no witnesses required) If you wish to nominate your entire benefit to be paid to your Estate, please tick the box below. Note: If you select the Estate option DO NOT fill out the Beneficiary details below. Legal personal representative (on behalf of my Estate) Beneficiary 1 Allocation %** Given Names Surname Beneficiary 2 Page 3 of 5
4 Beneficiary 3 Beneficiary 4 of Birth Gender Relationship to member e.g. Spouse/de-facto, child etc. Important notes: * For information regarding the two types of beneficiary nominations available, please refer to pages 1 2 of the Nomination of Beneficiaries Information Guide above. Please consider each type of nomination and, where appropriate, seek qualified estate planning, financial or taxation advice, prior to choosing the one which is right for you. ** The nomination will be invalid if the proportion of the total benefit allocated to your nominated beneficiaries does not exactly equal 100%. You should also note that death benefits paid to non-dependants must be paid as a lump sum and will be subject to tax (including when the benefit is paid via your estate). If you have more than 4 beneficiaries, please record these on a separate page. Witness signatures Only have this section completed by 2 witnesses if you wish to make a Binding Nomination I declare that: I am aged 18 or over; I have not been nominated as a beneficiary on this form; The form was signed by the member in my presence; and The information I have provided in this form is true and correct. Witness 1 Witness 2 Name (Print in BLOCK LETTERS) Name (Print in BLOCK LETTERS) of Birth of Birth Page 4 of 5
5 Important information Your privacy The Fund Administrator (KPMG Superannuation Services Pty Limited) and the Trustee (Equity Trustees Superannuation Limited) collect personal information in relation to your superannuation arrangements, including names, contact details, date of birth and TFN. This personal information is required to administer and manage your membership and to communicate with you about the Fund. The Fund Administrator and the Trustee are committed to protecting your personal information and have controls in place to manage the collection, use and disclosure of information for the protection of your privacy. To obtain a copy of the Fund Administrator s Privacy Statement, please visit the Fund member portal ( or request a copy by ing us at execsuper@kpmg.com.au. A copy of the Trustee s Privacy Policy is available at Please sign the Declaration and mail* the completed form to: execsuper@kpmg.com.au The Executive Superannuation Fund PO Box 67, Australia Square NSW 1215 If you have any questions please contact us at execsuper@kpmg.com.au or on *we require an original mailed paper copy. We cannot accept electronic receipt of this form. Declaration By signing this form, I declare that: I have fully read this form and the information provided is true and correct; I have read and understand the information in the attached Information Guide or the Product Disclosure Statement (PDS) relevant to me regarding the nomination of beneficiaries in respect of my member account in the Fund. If I make a Binding Nomination, each of the above nominated beneficiaries is my dependant or legal personal representative (as defined in superannuation legislation). I acknowledge that if I make a Binding Nomination, it must be renewed every three years, or it will become invalid. If this occurs, I acknowledge that the Trustee may pay my death benefit to any of my dependants or my legal personal representatives if relevant (whether nominated by me or not) or other person(s) as permitted under superannuation legislation. I acknowledge that I may revoke or amend my nomination at any time by notifying the Trustee in writing. I acknowledge that my nomination is valid only upon receipt of this original document by the Administrator. Name (print in BLOCK LETTERS) Page 5 of 5
The ASC Superannuation Plan ( the Plan ) a plan in the Employer Sponsored Members Division of the Executive. Binding beneficiary nominations
ASC Superannuation Plan a plan in the Employer Sponsored Members Division of The Executive Superannuation Fund [ABN: 60 998 717 367] Nomination of Beneficiaries Information guide and form The ASC Superannuation
More informationBinding death benefit nomination
Fact sheet Binding death benefit nomination A binding death benefit nomination can provide you with greater certainty about who ll receive your benefit in the event of your death. What this fact sheet
More informationNomination of beneficiary
Nomination of beneficiary Before completing the form, please read the important information overleaf. If you have any questions, please phone Enterprise Plan on 1800 640 055. Please complete in pen using
More information*SA TU1* Qantas Super Nominating your beneficiaries for super accounts Fact Sheet and Form
Qantas Super Nominating your beneficiaries for super accounts Fact Sheet and Form As a member with a super account in Qantas Super, you can nominate to whom the Trustee should pay your death benefit should
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 informationBinding Death Nomination Form Super
Binding Death Nomination Form Super Who will get your super if you die? In the event that you die without a valid reversionary beneficiary nomination or a valid reversionary beneficiary nomination or a
More informationAllocated Pension Membership Application Form
Allocated Pension Membership Application Form This application form is part of First Super s Plan for Retirement and Start Retirement Product Disclosure Statement (PDS) dated 11 April 2017. Please read
More informationMaking a binding death benefit nomination
Lutheran Super Making a binding death benefit nomination Who ll get your Super if you die? You can nominate one or more persons that you require the trustee of Lutheran Super to pay your death benefit
More informationMAKING A BINDING DEATH BENEFIT NOMINATION
MAKING A BINDING DEATH BENEFIT NOMINATION Who ll get your super if you die? You can nominate one or more persons that you require the trustee of NGS Super to pay your death benefit to should you die while
More informationMaking a binding death benefit nomination in the Mercer Super Trust. What you should know about binding death benefit nominations
Making a binding death benefit nomination in the Mercer Super Trust Please print in black or blue pen, in uppercase, one character per box. A Who ll get your super if you die? You can nominate one or more
More informationPERSONAL DIVISION PRODUCT DISCLOSURE STATEMENT
PERSONAL DIVISION PRODUCT DISCLOSURE STATEMENT 11 December 2013 Things you should know: This Product Disclosure Statement ( PDS ) is a summary of significant information and contains a number of references
More informationNominating your beneficiary lets you have your say about who receives your super when you pass away.
NOMINATING YOUR BENEFICIARIES FACT SHEET Place Nominating title of your IBR goes beneficiaries here. Nominating your beneficiary lets you have your say about who receives your super when you pass away.
More informationPERSONAL DIVISION PRODUCT DISCLOSURE STATEMENT
PERSONAL DIVISION PRODUCT DISCLOSURE STATEMENT Date: Issued 27January 2015 Things you should know: This Product Disclosure Statement ( PDS ) is a summary of significant information and contains a number
More informationSelecting a reversionary beneficiary
Fact sheet and form Selecting a reversionary beneficiary A reversionary beneficiary nomination can give you greater certainty about who ll receive your benefit in the event of your death. What this fact
More informationApplication form for foreign assignees
Application form for foreign assignees Oracle Superannuation Plan Use this form to tell us: if you are a foreign assignee working for Oracle Australia and want to join the Plan if you want to contribute
More informationWHK PTY LIMITED ALBURY STAFF SUPERANNUATION PLAN
WHK PTY LIMITED ALBURY STAFF SUPERANNUATION PLAN INCORPORATED INFORMATION Prepared: 12 December 2013 The issuer and Trustee of The Executive Superannuation Fund (ABN: 60 998 717 367, USI 60998717367001)
More informationintrust.com.au. Brisbane QLD 4000 Mail GPO Box 1416, Brisbane QLD 4001 Fax
Sort your super in minutes with this one easy form. Core Super MySuper APPLICATION FOR MEMBERSHIP EFFECTIVE 13 AUGUST 2018 Complete and return the form with the reply paid envelope provided, or you can
More informationThe Executive Superannuation Fund
The Executive Superannuation Fund WHK ALBURY STAFF SUPERANNUATION PLAN INCORPORATED INFORMATION Issued: 17 September 2012 The issuer and Trustee of The Executive Superannuation Fund (ABN: 60 998 717 367)
More informationDate of Birth / / Home Telephone Number
Hunter United Pension Fund Application Form When you have completed this form, please return to: Administrator, Hunter United Pension Fund, 130 Lambton Road, Broadmeadow NSW 2292 or fax to: 02 49562357.
More informationTitle Mr Mrs Ms Miss Other Date of birth / / Given names
Option 3 Membership Shell Australia Superannuation Fund Application for membership About this form We need you to fill out this form to let us know: your details how much you d like to contribute if anything
More informationNOMINATING YOUR BENEFICIARIES FORM
NOMINATING YOUR BENEFICIARIES FORM BOCSUPER Complete this form to advise BOC Super s Trustee how you would like your death benefit to be paid. You can make either a binding or non-binding nomination for
More informationApplication form. Checklist for your other super options. Instructions for completion. 1 My Details. Oracle Superannuation Plan
Application form Oracle Superannuation Plan Use this form to tell us: if you want to join the Plan if you want to contribute more to your super how you would like to invest your super who you want as your
More informationBendigo SmartStart Pension. This booklet contains: Application Form Binding Death Benefit Nomination Form Request to Transfer Form
Bendigo SmartStart Pension This booklet contains: Application Form Binding Death Benefit Nomination Form Request to Transfer Form Dated 1 July 2017 A guide to completing the Application and other associated
More informationYour super application and change form
United Technologies Corporation Retirement Plan Your super application and change form Accumulation members UTC gives you a number of options for your super. Use this form to: < Join the Plan if you are
More informationWestpac Protection Plans Technical Guide.
Westpac Protection Plans Technical Guide. 19 October 2009 This document outlines important information about Taxation and Superannuation, relevant to your Westpac Protection Plans products. It should be
More informationExplanatory Memorandum Binding Death Benefit Nominations
Explanatory Memorandum Binding Death Benefit Nominations 1. General Requirements It is essential that these procedures be followed in order for a proper Binding Death Nomination to be made. (c) Ensure
More informationFact. sheet. 2. How super works. Overview. Member account. Contributions. Product Disclosure Statement
Statement Fact 2. How super works The information in this document forms part of the Statement (PDS), dated 30 September 2018 for the Local Government Super (LGS) Accumulation Scheme. This document is
More informationANZ OneAnswer. Pension. Incorporated Material
ANZ OneAnswer Pension Incorporated Material 5 May 2008 i How do I read this Incorporated Material? This Incorporated Material provides further information and/or specific terms and conditions referred
More informationAIA Group Risk Super Plan
AIA Group Risk Super Plan Member Product Disclosure Statement 8 May 2017 Featuring: Death cover (including Terminal Illness cover) Total and Permanent Disablement (TPD) cover Trustee: Diversa Trustees
More informationCapital Guaranteed Super
Capital Guaranteed Super Retirement Savings Account Product Disclosure Statement (PDS) 14 February 2018 1 How to Contact Us Mail: Australian Military Bank PO Box H151 Australia Square NSW 1215 Phone: 1300
More informationASC Superannuation Plan Product Disclosure Statement
ASC Superannuation Plan Product Disclosure Statement Prepared: 19 December 2014 Things you should know: This Product Disclosure Statement ( PDS ) is a summary of significant information and contains a
More informationUpdating your account details
MLC MasterKey Business Super MLC MasterKey Personal Super Updating your account details MLC Nominees Pty Limited ABN 93 002 814 959 AFSL No. 230702 RSE L0002998 The Universal Super Scheme R1056778 ABN
More informationBeneficiary nomination form MLC Personal Protection Portfolio MLC Life Cover Super MLC EasyCover
Beneficiary nomination form MLC Personal Protection Portfolio MLC Life Cover Super MLC EasyCover We can only accept your request if the form is correctly completed. We respect your privacy and handle your
More informationASC Superannuation Fund
ASC Superannuation Fund Pension Product Disclosure Statement Preparation date: 14 October 2010 The issuer and Trustee of the ASC Superannuation Fund (ABN: 22 686 138 434) is The Trust Company (Superannuation)
More informationclaiming a superannuation death benefit guide
claiming a superannuation death benefit guide This document explains how to make a claim for a superannuation death benefit and what will happen when a death benefit claim is submitted. HS 1129.9 11/17
More informationDeath Claim Information Form 1 March 2013
Death Claim Information Form 1 March 2013 OnePath MasterFund ABN 53 789 980 697 RSE R1001525 SFN 292916944 OnePath Custodians Pty Limited ABN 12 008 508 496 AFSL 238346 RSE L0000673 347 Kent Street, Sydney
More informationCapital Guaranteed Pension
Capital Guaranteed Pension Retirement Savings Account Product Disclosure Statement (PDS) 14 February 2018 How to Contact Us Mail: Australian Military Bank PO Box H151 Australia Square NSW 1215 Phone: 1300
More informationApplication for membership (Spouse Contribution Account (SCA) Section) Part A
ANZ Australian Staff Superannuation Scheme ANZ Australian Staff Superannuation Scheme Application for membership (Spouse Contribution Account (SCA) Section) Part A Guidelines for completing this application
More informationCommInsure Corporate Insurance. Superannuation Trust. Annual Report 2015
CommInsure Corporate Insurance Superannuation Trust Annual Report 205 Fund CommInsure Corporate Insurance Superannuation Trust ABN 49 968 8 565 R072457 PO Box 282 ALBURY NSW 2640 Phone: 300 767 400 Facsimile:
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 informationASC Superannuation Plan
ASC Superannuation Plan Product Disclosure Statement Issued 1 April 2014 Things you should know: This Product Disclosure Statement ( PDS ) is a summary of significant information and contains a number
More informationClaiming a death benefit
Claiming a death benefit Important information and claim form rest.com.au 1300 300 778 This booklet will help guide you through making a death benefit claim from REST Industry Super when a REST member
More informationApplication for Application Form
Application for Application Form ClearView Superannuation and Roll-overs ClearView Pension Plan 23 April 2018 ClearView Superannuation and Roll-overs USI NRM0042AU and ClearView Pension Plan USI NRM0042AU
More informationNewcastle Permanent Superannuation Plan
Newcastle Permanent Superannuation Plan Superannuation Division. Product Disclosure Statement dated 1 April 2013. Contents 1. About the Newcastle Permanent Superannuation Plan Page 1 2. How super works
More informationBenefit payment Division C Complete this form using BLACK INK and print well within the boxes in CAPITAL LETTERS. Mark appropriate answer boxes with a cross like the following X. Start at the left of each
More informationLump sum death benefit form Section A/B
C2 Lump sum death benefit form Section A/B This form is in two parts: Before completing this form, please read the attached notes. Part A tells us (directs us) how you want your lump sum death benefit
More informationSuburb State Postcode Mailing address (if different from above) Suburb State Postcode
Medical & Associated Professions Superannuation Fund Before you sign this application form, the Trustee or AMA Financial Services is obliged to give you a PDS, which is a summary of important information.
More informationEligible Rollover Fund Trustee Annual Report to Members for the year ended 30 June 2013
Eligible Rollover Fund Trustee Annual Report to Members for the year ended 30 June 2013 Super Safeguard (ABN: 13 917 747 013) Table of Contents Introduction... 1 Safeguarding your Privacy... 2 The Trustee
More informationEligible Rollover Fund Trustee Annual Report to Members for the year ended 30 June 2014
Eligible Rollover Fund Trustee Annual Report to Members for the year ended 30 June 2014 Super Safeguard Fund (ABN: 13 917 747 013) Table of Contents Introduction... 1 Safeguarding your Privacy... 2 The
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 informationAdditional information about your superannuation
Elphinstone Group Superannuation Fund 19 March 2018 Additional information about your superannuation Contents Important information 1 How super works 2 Benefits of investing with the Elphinstone Group
More informationEstate Planning Workbook
Estate Planning Workbook Prepared for Adviser name Date December 2015 1. General Details Title First name Surname Date of birth Address State Postcode Postal address State Postcode Telephone work Mobile
More informationRetirement Scheme. Product Disclosure Statement 1 October About the Product Disclosure Statement (PDS) We re here to help
Retirement Scheme Product Disclosure Statement 1 October 2018 About the Product Disclosure Statement (PDS) This PDS is issued by Energy Industries Superannuation Scheme Pty Limited ABN 72 077 947 285,
More informationYour insurance provider
Product disclosure statement 1 July 2017 Guide 7 Your death and disablement benefits Equip Rio Tinto Fund Personal members 01 About your insurance benefits 02 Your insurance provider 03 Eligibility for
More informationSuperannuation Contribution Splitting Application
Superannuation Contribution Splitting Application Thank you for your enquiry about splitting contributions in QIEC Super. Please read the information below and return the completed form to QIEC Super if
More informationEmployee Application Form
The housing sector scheme of choice Social Housing Pension Scheme Employee Application Form Defined Benefit Membership number, to be completed by TPT Retirement Solutions: M PLEASE COMPLETE SECTIONS 1
More informationCommInsure Corporate Insurance Superannuation Trust
CommInsure Corporate Insurance Superannuation Trust Member Product Disclosure Statement Dated 1 July 2016 Part A: Features The CCIST provides insurance cover for members within a superannuation environment.
More informationEligible Rollover Fund Trustee Annual Report
Eligible Rollover Fund Trustee Annual Report to Members for the year ended 30 June 2015 Super Safeguard Fund (ABN: 13 917 747 013 RSE Registration R1001389) Table of Contents Introduction... 2 Safeguarding
More informationContributions Splitting Application
EISS Super Contributions Splitting Application About this form Please complete this form if you (the Contributing Spouse ) want to split your concessional (before tax) contributions with your spouse (the
More informationCommInsure Corporate Insurance. Superannuation Trust. Annual Report 2017
CommInsure Corporate Insurance Superannuation Trust Annual Report 207 Fund CommInsure Corporate Insurance Superannuation Trust ABN 49 968 8 565 R072457 PO Box 282 ALBURY NSW 2640 Phone: 300 767 400 Facsimile:
More informationTRANSITION TO RETIREMENT GUIDE
Your fund. Your wealth. Your future. This document forms part of the Product of the Product Disclosure Disclosure Statement dated Statement 29 September dated 29 2017 September 2017 TRANSITION TO RETIREMENT
More informationUnderstanding estate planning Version 5.2
Understanding estate planning Version 5.2 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to estate planning.
More informationFamily Member Application Personal Division
Staff Superannuation Plan a sub-plan of IOOF Employer Super 1 July 2017 Family Member Application Personal Division This form is to be completed by you, an existing member of the Employer Division, and
More informationPRODUCT DISCLOSURE STATEMENT
Section 1 2 3 4 5 6 7 8 9 About the Elphinstone Group Superannuation Fund How super works Benefits of investing with the Elphinstone Group Superannuation Fund Risks of super How we invest your money Fees
More informationEligible Rollover Fund Trustee Annual Report to Members for the year ended 30 June 2012
Eligible Rollover Fund Trustee Annual Report to Members for the year ended 30 June 2012 Super Safeguard Fund (ABN: 13 917 747 013) Table of Contents Introduction... 1 Safeguarding your Privacy... 2 The
More informationBendigo SmartStart Super
Bendigo SmartStart Super Reference Guide Date 21 November 2016 Issued by Sandhurst Trustees Limited 1 Bendigo SmartStart Super Important information The Bendigo SmartStart Super Reference Guide ( Reference
More informationAttach documentation if your personal details have changed
Withdrawal Form Please use BLOCK LETTERS and black ink. Complete this form to apply for a lump sum withdrawal. Send your completed form to: Australian Ethical Super, Locked Bag 20013, Melbourne VIC 3001
More informationINSURANCE TRANSFER FORM
INSURANCE TRANSFER FORM You may be able to apply to transfer insurance cover that you have outside of NGS Super. The amount of the total sum insured after the transfer of cover cannot exceed: $2,000,000
More informationApplication Forms Cover Page
Application Forms Cover Page Please complete this page & attach all relevant forms Ascend self managed super Please Note: If any of the Application Forms are incomplete or contain errors, or you do not
More information8. Checklist for a Discretionary Testamentary Trust and Other Estate Planning Documents
8. Checklist for a Discretionary Testamentary Trust and Other Estate Planning Documents This form will be used in conjunction with a personal discussion with TressCox to draw up a Testamentary Trust Will
More informationVentura Managed Account Portfolios Superannuation (including Pension)
VENTURA MANAGED ACCOUNT PORTFOLIOS Ventura Managed Account Portfolios Superannuation (including Pension) Additional Information Booklet 3 August 2017 This Product Disclosure Statement (PDS) is issued by
More informationImportant changes and information
Important changes and information September 2017 A summary of the significant changes in the recent Federal Budgets. Federal Budget 2017/18: incentives to invest in superannuation The two main measures
More informationZurich Account-Based Pension
Zurich Account-Based Pension Application Form Zurich Account-Based Pension Before you sign this application form, be aware that the application form must be included in, or must accompany a valid Product
More informationSevere Financial Hardship Application Form
Severe Financial Hardship Application Form How to use this form Use this form to apply for an early release of your superannuation benefits held in The Transport Industry Superannuation Fund ( The T.I.S.
More informationImportant changes and information
Important changes and information September 2017 A summary of the significant changes in the recent Federal Budgets. Federal Budget 2017/18: incentives to invest in superannuation The two main measures
More informationGreyson Legal Publications
Greyson Legal Publications Superannuation, Life Insurance and Estate Planning Address: PO Box 61, Sandgate Qld 4017 Tel: 1300 667 362 Fax: 07 3910 1102 Email: info@greysonlegal.com.au Web: www.greysonlegal.com.au
More informationSuperChoice Superannuation Plan Pension Plan
SuperChoice Superannuation Plan Pension Plan Supplementary Product Disclosure Statement (SPDS) Date Issued 19 December 2008 This Supplementary Product Disclosure Statement supplements the SuperChoice Superannuation
More informationLeaving the scheme. A guide to your options Career Revalued Benefits section
Leaving the scheme A guide to your options Career Revalued Benefits section About this booklet This booklet explains the options open to you if you have been a member of the Career Revalued Benefits section
More informationmars australia retirement plan product disclosure statement death and total permanent disablement benefits
mars australia retirement plan product disclosure statement death and total permanent disablement benefits (lump sum risk only category members) Date Issued: June 2011 This Product Disclosure Statement
More informationEligible Rollover Fund Trustee Annual Report
Eligible Rollover Fund Trustee Annual Report to Members for the year ended 30 June 2017 Super Safeguard Fund (ABN: 13 917 747 013 RSE Registration R1001389) Table of Contents Introduction... 2 Safeguarding
More informationChange of member details.
Office use only Change of member details. Please ensure you complete both your existing member details and your new member details on this form and provide supporting documents, including certified ID,
More informationSELF MANAGED SUPERANNUATION FUNDS
SELF MANAGED SUPERANNUATION FUNDS What are Self Managed Superannuation Funds? Self Managed Superannuation Funds (SMSF) are becoming increasingly popular these days to assist with the growth of family wealth.
More informationNEO SuperSMA. Additional Information Guide 1 July 2016
NEO SuperSMA Additional Information Guide 1 July 2016 This PDS is issued by Diversa Trustees Limited ( the Trustee ) ABN 49 006 421 638 in its capacity as trustee of the Praemium SMA Superannuation Fund
More informationThe information in this document forms part of the ClearView LifeSolutions Super Rollover Product Disclosure Statement (PDS) 16 April 2012.
Super Rollover Additional Information 16 April 2012 The information in this document forms part of the ClearView LifeSolutions Super Rollover Product Disclosure Statement (PDS) 16 April 2012. Issued by:
More informationApplication to increase insurance cover due to a life event
Application to increase insurance cover due to a life event This application is made by you under a life insurance policy issued to the trustee of First State Super by TAL Life Limited, ABN 70 050 109
More informationAbout your insurance benefits
Product disclosure statement 1 July 2017 Guide 6 Your death and disablement benefits Equip Rio Tinto Fund Employee members 01 About your insurance benefits 02 Eligibility for insurance cover 03 Choosing
More informationAdditional Information. Crescent Wealth Superannuation Fund
Additional Information Crescent Wealth Superannuation Fund Dated: 8 November 2018 Issuer: Equity Trustees Superannuation Limited ABN 50 055 641 757 AFSL 229757 RSE L0001458 ABN of the Fund: 71 302 958
More informationToyota Australia Superannuation Plan. Your Pension Guide. Product Disclosure Statement ISSUED: 1 OCTOBER 2015
Toyota Australia Superannuation Plan Your Pension Guide Product Disclosure Statement ISSUED: 1 OCTOBER 2015 Contents Introducing your pension 1 How your pension works 3 Investing your pension 8 Tax and
More informationRoyal Mail Defined Contribution Plan (the Plan) Expression of Wish Form
Royal Mail Defined Contribution Plan (the Plan) Expression of Wish Form Lump Sum Death in Service Benefit Expression of Wish A lump sum benefit will normally be paid if you die in service under age 75
More informationWorkbook. Estate Planning Questionnaire. Prepared for. Issue number 1
Estate Planning Questionnaire Workbook Issue number 1 Prepared for SECURITOR Financial Group Ltd ABN 48 009 189 495 (SECURITOR) Licensed Dealer in Securities SECURITOR Financial Group Ltd ABN 48 009 189
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 informationMERCER SUPERANNUATION (AUSTRALIA) LIMITED ABN ('Trustee') MERCER MASTER FUND
This document is a Consolidation of the amendments listed below and is a Working Copy Only MERCER SUPERANNUATION (AUSTRALIA) LIMITED ABN 79 004 717 533 ('Trustee') MERCER MASTER FUND MERCER RETAIL DIVISION
More informationThe information in this Booklet forms part of the Accumulation & Pension Product Disclosure Statement (PDS)
RSE Registration No R1070743 ABN 46 074 281 314 Member Guide The information in this Booklet forms part of the Accumulation & Pension Product Disclosure Statement (PDS) 30 September 2017 Issued by Diversa
More informationEstate Planning Superannuation death benefits
Estate Planning Superannuation death benefits Nominating a beneficiary to receive your superannuation benefits upon your death gives you peace of mind knowing that the funds will be paid according to your
More informationSuper and Pension. Application Form. 5 December 2017
Super and Pension Application Form 5 December 2017 ClearView WealthFoundations USI CVW0001AU is issued by ClearView Life Nominees Pty Limited ABN 37 003 682 175 AFSL 227683 as Trustee for the ClearView
More informationBENEFIT PAYMENT AND ROLLOVER
BENEFIT PAYMENT AND ROLLOVER Important Information To claim a benefit you will need to complete a Benefit Payment form and return it to GROW together with the appropriate identification (refer to Completing
More informationThe information in this Guide forms part of the Product Disclosure Statement (PDS) for the Core Superannuation Service Division
Core Superannuation Service The information in this Guide forms part of the Product Disclosure Statement (PDS) for the Core Superannuation Service Division 15 June 2018 Issued by Diversa Trustees Limited
More informationDeath and Incapacity cover brochure
Death and Incapacity cover brochure For members of the Contributory Scheme. Information in this brochure is current as at 1 July 2017. Contents Eligibility for cover 1 Interim Invalidity Pension 2 Total
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 information