Student Super Professional Super Product Disclosure Statement
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1 Student Super Professional Super Product Disclosure Statement Effective 16 January, 2018 TABLE OF CONTENTS This is general information only and does not take account of your individual investment objectives, financial situations or needs. Before acting on it, consider if the information is appropriate and whether you need to speak to an accredited professional. This product is issued by Tidswell Financial Services Ltd (ABN , AFSL No , RSE L ) as trustee for Student Super Professional Super which is a sub-fund of the Tidswell Master Superannuation Plan (ABN , RSE R ). Student Super Professional Super Pty Ltd (ABN ; AFSL No ) is the Founder and Promoter of Student Super Professional Super which is marketed under two brands; Student Super and Professional Super. 1. ABouT STuDENT SuPER PRoFESSIoNAL SuPER 2 2. How SuPER works 2 3. BENEFITS of INvESTINg with STuDENT SuPER PRoFESSIoNAL SuPER 3 4. RISkS of SuPER 3 5. How we INvEST your MoNEy 3 6. FEES AND costs 5 7. How SuPER IS TAxED 7 8. How To open AN AccouNT 8
2 Details The information in this document forms part of the Student Super Professional Super (the Fund) Product Disclosure Statement (PDS) and will remain in force unless withdrawn by the Issuer. This PDS (Part 1) is a summary of significant information about investing in the Fund and contains a number of references to important information contained in the Reference Guide (Part 2) (which forms part of this PDS). You should consider this information before making a decision about the Fund. The information provided in this PDS is general information only and does not take account of your personal financial situation or needs. You should obtain financial advice tailored to your personal circumstances. This PDS (and the Reference guide) are current as at 16 January 2018 and may change. updated information that is not materially adverse is available free of charge by calling (Student Super) or (Professional Super) or ing us at hello@studentsuper.com.au or hello@professionalsuper.com.au. This superannuation product is issued by Tidswell Financial Services Ltd ABN , AFS Licence No , RSE Licensee L (Trustee), an approved Trustee regulated by the Australian Prudential Regulation Authority (APRA). The Founder and Promoter of the Fund is Student Super Professional Super Proprietary Limited (ABN , AFS Licence No ). If you invest in the Fund you can access a copy of the PDS and any matter in writing that is applied, adopted or incorporated by the PDS from these websites; and Alternatively, you can request a copy of this information free of charge by contacting Member Services on (Student Super) or (Professional Super). 1. ABOUT STUDENT SUPER PROFESSIONAL SUPER Student Super Professional Super has been designed specifically for students and young professionals. The Fund is marketed under two brands Student Super and Professional Super. we ve tailored the experience of the Student Super website and app for students, and the Professional Super website and app for young professionals. The Fund is managed by the Trustee. It is administered in accordance with the trust deed and rules of the Tidswell Master Superannuation Plan. The Fund is a superannuation product designed to help you accumulate and grow your super savings tax-effectively, as you progress from student through to working life. As a 1. Macquarie Investment Management Australia Limited ABN (Macquarie) has consented to be named in this PDS and has not withdrawn its consent at the date of publication of this PDS. Macquarie has not authorised or caused the issue of this PDS. None of Macquarie or any of its related parties acts as the trustee, manager, adviser, sponsor, promoter or agent of Tidswell Financial Services Ltd or Student Super Professional Super Proprietary Limited, in connection with Student Super Professional Super. Student Super Professional Super member, you have exposure to investments in Macquarie funds 1 when your balance has reached $1,500. you may become a member of the Fund while your super is in the accumulation phase. The Fund has been designed to protect your balance when you are starting out with superannuation. your fees will be automatically discounted when your balance is under $5,000. Members with balances under $1,000 will be charged zero fees, and members with balances between $1,000 and $4,999 will receive a 50% discount on the weekly administration fee. The Fund s investment direction has been established with the aim of protecting the capital of low balance members. whilst your balance is under $1,500 it will be wholly invested in the cash investment option. As your balance grows to between $1,500 and $4,999 it will be wholly invested in the growth investment option. once your balance reaches $5,000 you will be able to make a choice about how you would like your balance to be invested. we do not offer default insurance, as insurance premiums can erode low super balances. you can find more information about the Trustee and executive remuneration disclosure for the Fund and any other document that must be disclosed under superannuation law on the Trustee s website at 2. HOW SUPER WORKS Super is a long-term investment and a tax-effective means of saving for your retirement which is, in part, compulsory. There are different types of contributions available (for example employer contributions, voluntary contributions and government co-contributions). Tax savings are provided by the government in return for investing in super. Most people have the right to choose the super fund they wish to invest in. The money you invest in super is generally not available until you retire. Many students and young professionals have multiple super accounts. Having multiple super accounts could mean you re paying multiple fees and charges, which may reduce your overall superannuation balance. Student Super Professional Super can help you combine your existing super accounts into your Student Super Professional Super account. our Super Search Party can help you find your super accounts and consolidate them into Student Super Professional Super. The Super Search Party will guide you through the search process and will enable you to choose which accounts you d like to move into your Student Super Professional Super account. You should read the important information about How super works before making a decision. Go to the section How super works in the Reference Guide available at and The material relating to How super works may change between the time when you read this PDS and the day when you acquire the product. 2 Student Super Professional Super Product Disclosure Statement January 2018
3 3. BENEFITS OF INVESTING WITH STUDENT SUPER PROFESSIONAL SUPER Student Super Professional Super offers you: (a) An easy way to get your super organised, (b) Student friendly fees with no flat dollar or percentage based fees for balances under $1,000, (c) Exposure to investments in Macquarie funds 2 for balances that have reached $1,500, and (d) Super that can grow with you as you transition from student to young professional. Keeping you organised: Student Super Professional Super provides you with: Access to our Super Search Party feature to find and consolidate your other super accounts, The My First Day feature which makes it easy to bring your Student Super Professional Super account with you when you change jobs, online access to your account via the Student Super and Professional Super apps and websites, and An annual member statement that explains how your super is progressing. Help when you need it our team are available to help you manage your Student Super Professional Super account and answer questions on Super in general. you can contact us at: Student Super website hello@studentsuper.com.au Phone Professional Super website hello@professionalsuper.com.au Phone You should read the important information about Benefits of investing with the Fund before making a decision. Go to the section Benefits of investing with the Fund in the Reference Guide available at The material relating to the key features of the Fund may change between the time when you read this PDS and the day when you acquire the product. 4. RISKS OF SUPER All investments carry some level of risk, including super, and it is important to understand what these risks are. Different strategies may carry different levels of risk, depending on the investments that make up the strategy. 2.Macquarie Investment Management Australia Limited ABN (Macquarie) has consented to be named in this PDS and has not withdrawn its consent at the date of publication of this PDS. Macquarie has not authorised or caused the issue of this PDS. None of Macquarie or any of its related parties acts as the trustee, manager, adviser, sponsor, promoter or agent of Tidswell Financial Services Ltd or Student Super Professional Super Proprietary Limited, in connection with Student Super Professional Super. generally, investments with the highest long-term returns also carry the highest level of short-term risk. Before investing, you should consider the level of risk involved with the particular investment option and whether the potential returns justify those risks. The significant risks of investing in Student Super Professional Super are market, inflation, operational and currency risks. Before investing, you should consider the level of risk involved with the particular investment option and whether the potential returns justify those risks. Refer to the Reference guide for more detailed information. when considering your super investment, it is also important to understand that: (a) the value of your investment will vary; (b) returns are not guaranteed, and you may lose some of (c) your money; the level of returns will vary and future returns may differ from past returns; (d) your future super savings (including your contributions and returns) may be insufficient to adequately meet your retirement needs; and (e) your investment may be affected by changes to legislation, particularly in relation to super laws, which may change in the future. The level of risk that is acceptable to you will vary depending on a range of factors, including your age, your investment time - frame, your risk tolerance and what other investments you hold. All super products are generally subject to some or all the risks described above. your financial adviser can help you to establish an investment profile that suits your needs in order to manage these risks. You should read the important information about Risks of Super before making a decision. Go to the section Risks of super in the Reference Guide available at The material relating to the risks of super may change between the time when you read this PDS and the day when you acquire the product. 5. HOW WE INVEST YOUR MONEY The Fund has established an investment direction with the aims of protecting the capital of low balance members. when you join the Fund, you must consent to your super account being invested in accordance with the Fund s investment direction. This means that: (a) your super balance will be wholly invested in the cash investment option until it reaches $1,500. (b) when your super balance is between $1,500 and $4,999 it will be wholly invested in the growth investment option. (c) when your super balance reaches $5,000 it will remain invested in the growth investment option unless you choose to invest it in one of the Fund s other investment options. If your balance falls below $1,500 your balance will remain invested in the growth investment option, and you will not be transferred back to the cash investment option. Similarly, if you make the choice of investing the whole of your balance in any one of the following three options, your balance will remain invested in the option that you chose even if your balance falls below $5,000. Student Super Professional Super Product Disclosure Statement January
4 once your balance reaches $5,000 the Fund offers you the following investment options: (a) High growth (b) growth (c) Balanced These investment options cover the following major asset classes; cash, Australian Fixed Interest, International Fixed Interest, Property, Australian Shares, International Shares and Alternative Assets. Each of these investment options will have different exposures to the asset classes listed above. For more information please refer to the Reference guide. Warning: when choosing the investment options in which to invest your super, you should consider the level of risk, likely investment return and your investment timeframe. we regularly undertake a review of the investment options available through the Fund and may change, add, close or terminate an investment option at any time. A description of each investment option is contained in the Reference guide. An example of the information for the growth investment option is shown in the following table. Description: The growth investment option has been designed for students and young professionals who are starting out with super and will be investing for the long term. The growth investment option has a strong bias towards growth assets, such as Australian and international shares and property, with a smaller allocation towards defensive assets such as fixed interest securities and cash. This option is designed for those who are investing over the longer term and are prepared to accept a higher level of performance volatility for the chance to achieve greater returns. The growth investment option is designed to provide comparable levels of performance volatility to the High growth investment option, and the capacity to achieve higher returns than the Balanced investment option. Strategic asset allocation Representative asset allocation % as at 16 January 2018 Strategic Asset Allocation Asset Allocation Range Australian Shares 27% 0-70% International Shares 50% 0-70% Australian Property 4% 0-20% International Property 5% 0-20% Global Infrastructure 4% 0-15% Fixed Income 0% 0-15% Cash 10% 0-15% Investment objectives Minimum suggested time horizon cpi + 4% p.a. 10 years Changing your investment option once your balance has reached $5,000 you can select and switch investment options at any time by completing the online form on the member websites or apps. A switch will be effected as soon as reasonably practicable upon receipt of a valid instruction. There are no administration charges levied with respect to investment switches; however a buy/sell differential may apply. Investment switches are processed using the sell (or exit) price of units being sold and the buy (or entry) price of units being purchased. A buy/sell price differential is representative of the cost to members in the buying and selling of the underlying assets with respect to the chosen investment option. Socially Responsible Investing The various underlying investment managers have their own policy on the extent to which labour standards or environmental, social or ethical considerations are taken into account when making investment decisions. whether an investment manager has such a policy, or the contents of such a policy, is not considered by the Trustee when selecting or monitoring investment managers. Further we do not currently require the investment managers we appoint to take any such considerations into account when making their investment decisions. The Trustee utilises the investment expertise of an investment manager who has proven its ability to perform over a number of years. Macquarie Investment Management 3 Macquarie Investment Management Australia Limited (Macquarie) is the Responsible Entity of funds into which the Fund invests. As a Student Super Professional Super member, you have exposure to investments in Macquarie funds if your balance is above $1,500. Their innovative approach to investing helps keep your fees low. You should read the important information about How we invest your money before making a decision. Go to the section How we invest your money in the Reference Guide available at and The material relating to How we invest your money may change between the time when you read this PDS and the day when you acquire the product. Level of investment risk (standard risk measure) Major risks faced Risk Level: Level 6 Risk Label: High Probability of a negative return: 4 to less than 6 in any 20 year period counterparty risk, market risk and index tracking error risk 3. Macquarie Investment Management Australia Limited ABN (Macquarie) has consented to be named in this PDS and has not withdrawn its consent at the date of publication of this PDS. Macquarie has not authorised or caused the issue of this PDS. None of Macquarie or any of its related parties acts as the trustee, manager, adviser, sponsor, promoter or agent of Tidswell Financial Services Ltd or Student Super Professional Super Proprietary Limited, in connection with Student Super Professional Super. 4 Student Super Professional Super Product Disclosure Statement January 2018
5 6. FEES AND COSTS DID YOU KNOW? Small differences in both investment performance and fees and costs can have a substantial impact 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 justify higher fees and costs. You or your employer, as applicable, may be able to negotiate to pay lower 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 different fee options. Buy-sell spread % / % Deducted on a transactional basis every time units in an investment option are bought and sold, and is reflected in the unit price. Switching fee Nil Not applicable Exit fee $52 Deducted from your account on each withdrawal from the Fund. Advice fees** Nil Not applicable Other fees and costs*** Indirect cost ratio The amount payable will depend on each member s personal circumstances. Nil Not applicable Main fees and costs for the Growth investment option This section provides a summary of the main fees and costs applicable to the Fund. It also provides an example using the growth investment option. This table can be used to compare the fees and costs of this Fund with the fees and costs of other super products. Full details of all fees and costs are contained in the Reference guide. The fees and costs can be paid directly from your account balance or deducted from investment returns or from the assets of the Fund as a whole. All fees and costs are shown gross of income tax or contribution taxes (but including gst and any applicable stamp duty). Growth Investment Option Type of fee* Amount How and when paid Investment fee Nil Not applicable Administration fee weekly administration fee: $78 p.a. ($1.50 per week) plus Percentage based administration fee: 0.99% p.a. The weekly administration fee component is deducted monthly from your account balance. The percentage based administration fee is deducted from the assets of the Fund before unit prices are calculated. *Defined fees For further information regarding the definitions for each type of fee referred to in the above table, refer to the Fees and costs section in the Reference guide which can be obtained from our websites: and or by contacting us on (Student Super) or (Professional Super). **Advice fees warning: If you consult a financial adviser to obtain financial product advice, additional fees may be payable to your financial adviser. your adviser should give you a Statement of Advice detailing these fees. ***Other fees and costs you may also incur other fees and costs such as: activity fees like, expense recovery fees, and family law fees, external advice fees, and taxes. See the Additional Explanation of Fees and costs in the Fees and costs section in the Reference guide for further details. Also see the other parts of this document for information about fees and taxes. Student Super Professional Super Product Disclosure Statement January
6 Fee discounts for low balance customers Student Super Professional Super s pricing strategy has been designed to protect your balance when you are starting out with superannuation. If you have a balance below $5,000 you will automatically receive discounted pricing: Members with balances under $1,000 will be charged zero fees. There are no hidden fees and costs, any charges will be rebated to your account. Fees will be rebated to your account on a monthly basis. Rebates are based on your balance as at the end of the month. Members with balances under $1,500 are wholly invested in the cash investment option. Type of fee or cost* Amount How and when paid Investment fee Nil Not applicable Administration fee Nil Not applicable Buy-sell spread Nil Not applicable Switching fee Nil Not applicable Exit fee Nil Not applicable Advice fees relating to all members investing in a investment option Nil Not applicable Other fees and costs Nil Not applicable Indirect cost ratio Nil Not applicable Buy-sell spread cash: 0% growth: % / % Deducted on a transactional basis every time units in an investment option are bought and sold, and is reflected in the unit price. Switching fee Nil Not applicable Exit fee $52 Deducted from your account on each withdrawal from the Fund. This is in addition to the buy/sell spread. Advice fees relating to all members investing in a investment option** Other fees and costs*** Indirect cost ratio Nil The amount payable will depend on each member s personal circumstances. Nil Not applicable Please refer to Section 5.3 Additional Explanation of Fees and costs below. Not applicable Members with balances between $1,000 and $4,999 receive a 50% discount on the weekly administration fee. All other fees and charges, including the percentage based administration fee, apply. Fees will be rebated to your account on a monthly basis. Rebates are based on your balance as at the end of the month. Members with balances below $1,500 are wholly invested in the cash investment option. Members with balances between $1,500 and $4,999 are wholly invested in the growth investment option. Type of fee or cost* Amount How and when paid Investment fee Nil Not applicable Administration fee weekly administration fee $39 p.a. ($0.75 per week) plus Percentage based administration fee: 0.99% p.a. The weekly administration fee component is deducted monthly from your account balance. The other administration fee component is deducted from the assets of the Fund before unit prices are calculated. *Defined fees For further information regarding the definitions for each type of fee referred to in the above table, refer to the Fees and costs section in the Reference guide which can be obtained from our websites: and or by contacting us on (Student Super) or (Professional Super). **Advice fees warning: If you consult a financial adviser to obtain financial product advice, additional fees may be payable to your financial adviser. your adviser should give you a Statement of Advice detailing these fees. ***Other fees and costs you may also incur other fees and costs such as: activity fees like, expense recovery fees, and family law fees, external advice fees, and taxes. See the Additional Explanation of Fees and costs in the Fees and costs section in the Reference guide for further details. Also see the other parts of this document for information about taxes. 6 Student Super Professional Super Product Disclosure Statement January 2018
7 Changing the fees The Trustee reserves the right to automatically change any fees and costs in line with movements in the consumer Price Index (cpi) on the 1st of July each year. we reserve the right to change any of our fees and costs outside the levels shown above without your consent. Any increase will only take effect after the Trustee has provided you with 30 days written notice. See the Fees and costs section in the Reference guide for further details. Example of annual fees and costs This table gives an example of how the fees and costs in the growth investment option for this superannuation product can affect your superannuation investment over a 1 year period. you should use this table to compare this product with other super products. Example: Growth Balance of $50,000 Investment fees Nil Not applicable Administration fees weekly administration fee: $78 p.a. ($1.50 per week) plus Percentage based administration fee: 0.99% p.a. PLUS PLUS you will be charged $573 in administration fees each year. Indirect costs Nil Not applicable cost of the Product utilising the growth investment option. EQUALS If your balance was $50,000, then for that year, you would be charged fees of $ what it actually costs you will depend on your account balance. Note: Additional fees may apply. If you leave the superannuation entity, you may be charged an exit fee of $52 and a buy/sell spread which also applies whenever you make a contribution, exit, rollover or investment switch. The buy/sell spread for exiting the growth option is %/0.2404% (This will equal $ for every $50,000 you withdraw). ASIC Calculator There is a calculator provided by ASIc on its MoneySmart website which can be used to calculate the effect of fees and costs on account balances. visit for more information. You should read the important information about Fees and costs before making a decision. Go to the section Fees and costs in the Reference Guide available at material relating to Fees and costs may change between the time when you read this PDS and the day when you acquire the product. 7. HOW SUPER IS TAXED There are a number of ways that super is taxed: on contributions, on investment earnings and on withdrawals. Taxes charged within the Fund are deducted from your account as and when required or when you leave the Fund. Tax on super is complex. The information provided is general in nature and we recommend that you seek advice from a registered tax agent to determine your personal obligations. Tax on contributions + This tax is 30% for members with eligible income over $250,000. Warning: contributions made to your account in the Fund will count towards your contribution limits. Additional tax and charges may be payable if you exceed these limits. you should monitor the amount of your contributions to the Fund to ensure that you do not exceed the caps that apply to you. Refer to the Reference guide for more information. Tax on investment income Investment income is generally taxed at 15%, but offsets (tax credits and rebates) apply which may reduce the effective tax rate. Tax is deducted from investment income before weekly unit prices are determined. Tax on your super benefits withdrawals from your super account may be taxed if you are aged less than 60 and any applicable tax will be withheld from your benefit payment. Read the Reference guide for further information. once you turn 60, generally no tax applies to withdrawals unless you are a temporary resident. Providing your tax file number (TFN) Warning: when you join the Fund, you should provide us with your TFN. If you choose not to provide your TFN then: (a) you may pay a higher rate of tax on your benefits; (b) it may be more difficult to locate or consolidate your (c) super benefits in the future or to receive benefits; we will be unable to accept after-tax contributions from you; and (d) higher tax may be paid on your concessional contributions. Tax payable Employer contributions yes, at 15%+ Salary sacrifice contributions yes, at 15%+ Personal contributions Co-contributions No No Student Super Professional Super Product Disclosure Statement January
8 This excess may be reclaimed if you provide the Fund with your TFN within the same financial year or the following three years. You should read the important information about How superannuation is taxed before making a decision. Go to the section How superannuation is taxed in the Reference Guide available at The material relating to How superannuation is taxed may change between the time when you read this PDS and the day when you acquire the product. 8. HOW TO OPEN AN ACCOUNT Before deciding to apply for membership of the Fund you should read this PDS and the Reference guide. To apply, you should complete the online application on our websites and or you can complete the online application via the Student Super and Professional Super apps. You should read the important information about How to open an account in Student Super Professional Super before making a decision. Go to the section How to open an account in Student Super Professional Super in the Reference Guide available at The material relating to how to open an account may change between the time when you read this PDS and the day when you acquire the product. Cooling-off period when you initially invest in the Fund you will have the opportunity to review your investment to ensure it meets your expectations. This is known as a cooling-off period. If you are not satisfied with the investment you have made, you may cancel your initial application within 14 days of the earlier of: (a) the date you receive our Letter of Acceptance; or (b) 5 business days after your application is accepted. If you cancel your investment within the cooling-off period, you may have it rolled over to another super fund or, if eligible, have it paid to you. your initial investment amount will be adjusted for any changes in the unit price of the investment option selected, less any transaction costs. Amounts paid to the Fund may accrue interest in the Fund s accounts pending the issue of units or the return of application monies to you. Any such interest will be retained by the Fund. If you want to cancel your initial application, please notify us in writing at hello@studentsuper.com.au or hello@professionalsuper.com.au. Inquiries and complaints process we pride ourselves on our member service and will endeavour to solve your concerns quickly and fairly. If you have an inquiry regarding your super account, you should either our Member Services team at feedback@studentsuper.com.au or feedback@professionalsuper.com.au, or phone us on (Student Super) or (Professional Super). If you wish to lodge a complaint with the Fund, you should write to us: Via feedback@studentsuper.com.au or feedback@professionalsuper.com.au or via post: The Inquiries and complaints officer 56 Meagher Street chippendale NSw 2008 we will endeavour to deal with your complaint promptly and in any event, within 90 days of receipt. If you are not satisfied with the outcome of your complaint, you can contact the Superannuation complaints Tribunal (ScT), which offers free dispute resolution external to the Fund. Please note that before the ScT will investigate your complaint, they generally require you to have first provided us with the opportunity to address the complaint. The ScT is a statutory body that deals with complaints about the decisions and conduct of superannuation providers, including trustees of super funds, relating to members, but not in relation to decisions and conduct relating to the management of a fund as a whole. Write to: Superannuation complaints Tribunal Locked Mail Bag 3060 MELBouRNE vic 3001 Phone: Fax: (03) info@sct.gov.au Web: 8 Student Super Professional Super Product Disclosure Statement January 2018
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