Your super essentials

Transcription

1 Your super essentials Plum Superannuation Fund for new members of the Plum Personal Plan Product Disclosure Statement (PDS) Contents 1 About the Plum Superannuation Fund 2 How super works 3 Benefits of investing with the Plum Superannuation Fund 4 Risks of super 5 How we invest your money 6 Fees and costs 7 How super is taxed 8 Insurance in your super 9 How to open an account Issued by the Trustee: PFS Nominees Pty Ltd ABN AFSL Preparation date: 21 July 2014 Fund: Plum Superannuation Fund ABN Administrator: Plum Financial Services Limited (Plum) ABN AFSL Level 4, 500 Bourke Street Melbourne VIC 3000 GPO Box 63 Melbourne VIC 3001 Telephone Fax Web plum.com.au MySuper compliant

2 This PDS is a summary of significant information and contains references to further important information in the Your superannuation explained guide and Your investment options explained guide. You should consider all information before making a decision to invest in this product. The information in this PDS is general and does not take into account your personal financial situation or needs. We recommend you obtain financial advice for your own personal circumstances. This offer is made in Australia in accordance with Australian laws and your super account will be regulated by these laws. Our website provides information, tools and education to help you on your journey towards financial security in retirement. 1. Go to plum.com.au 2. Select the Login here option. 3. Enter the Plum Personal Plan Login ID which is plumprsnl and PIN Select Login. 1. About the Plum Superannuation Fund Building your savings through your super fund while you work can be a simple and tax effective way of planning for your retirement. If you are just starting your working life and retirement is a long way off, or if you are getting closer to retirement we can assist you to develop the savings and investment strategies to help you reach your retirement goals. Over 60,000 individuals are members of our Personal Plan. You can tailor your benefits to suit your needs and keep your super in one place if you change jobs. The Personal Plan provides competitive fees which are easy to understand. Joining is easy and you ll remain a member of the Personal Plan as long as you maintain a minimum account balance of $2,000. Insurance cover is automatic for most members. You can apply for or change your insurance cover at any time, so you can make sure you and your family have some protection should the unexpected happen. 2

3 1. About the Plum Superannuation Fund If you don t make an investment choice, your super will be invested in Plum MySuper a diversified investment option. You can also choose from a broad range of other investment options. To find out more about Plum MySuper and other investment options as well as other Fund details go to plum.com.au/yoursuperfund to: access product information (dashboard); find out more about Trustee directors including remuneration details; and access other Fund documents. If you are an existing member and your account is wholly invested in a former default option and you have not made an investment switch since 1 December 2013 we will transfer it to Plum MySuper by 1 July We ll contact you about this before we make the transfer. The Fund is administered by Plum, which is responsible for more than $20 billion of funds under management (as at 30 June 2013) invested on behalf of more than 220,000 individuals and employees of many of Australia s largest organisations. The Trustee and Plum are part of the MLC group of companies, the wealth management division of the National Australia Bank. 3

4 2. How super works Investing through super is a tax effective way to save for your retirement. The Government encourages Australians to use super to build wealth that will generate income in their retirement, and it s compulsory for contributions to be made to super for most working Australians. Tax concessions and other government benefits generally make it one of the best long-term investment vehicles. Choice of super fund If you re still working, you can choose which super fund you would like your employer to contribute to. This means you can choose a fund that suits your needs and, if you change jobs, your super can stay in one place. To direct your employer contributions into your account, please complete the Choice of superannuation fund form and return it to your employer. Contributing to your super Generally you, your spouse or your employer can contribute to your super and help it grow faster. You could also use strategies that include Government co-contributions or arranging with your employer to contribute some of your pre-tax salary. Whatever strategy you choose, you can contribute through your current and future employers to the Fund. While you can contribute as much as you like, you will incur additional tax if contributions exceed certain limits. Consolidating your super Keeping your super in one place makes sense. This gives you a single view of your money, helps you keep track of your investments and means you are only paying one set of fees for your super. We can help you consolidate your super if you provide us with your TFN and consent to search for your super on your behalf. If you have insurance with another provider, you have the option to add it to the insurance you have with us. We recommend that you seek financial advice before consolidating your super as your fees, insurance cover and other benefits or costs may be different in each account. Please use the Consolidate your superannuation benefits form and/or the Transfer your insurance form available at plum.com.au The law defines your eligibility, the types of contributions you or others can make on your behalf, and the maximum amount you can contribute before you pay additional tax. It also determines whether you are eligible to access your super. To find out more go to apra.gov.au or moneysmart.gov.au You should read the important information about how super works before making a decision. Go to plum.com.au to read the Your superannuation explained guide. The material relating to how super works may change between the time you read this PDS and the day the product is acquired. 4

5 3. Benefits of investing with the Plum Superannuation Fund We offer a range of features that can help you maximise your retirement savings. Access to your account is available at plum.com.au, so you ll always know where your super s headed. Our investments We have selected JANA Investment Advisers one of Australia s most highly regarded investment consultants, to develop an investment menu that offers a range of investment options. Our investment menu suits all levels of investment knowledge and experience. You can choose from a range of options with risk profiles from conservative to aggressive and with different asset classes and management styles. Choose one investment option or many, it s up to you. If you don t choose an investment option we ll invest your super in the Plum MySuper default investment option. For more information about Plum MySuper investment strategy please refer to Section 5 How we invest your money. Insurance We will automatically provide you with insurance. Insurance in your super can be a cost effective way to help you and your family be more protected. We ve chosen MLC Limited (MLC) as our insurer (Insurer) in the Personal Plan. We offer death, total and permanent disablement (TPD) and salary continuance insurance (SCI), so you can tailor your cover to best suit your needs. You also benefit from group discounts, so the premiums on this insurance are generally cheaper than if you had insurance separately. This means you could save money on your cover. It s also hassle free because we ll deduct the premium from your account each month. When your life changes, so do your insurance needs. That s why when big events happen, like getting married or having a baby, we ve made it really easy for you to increase your insurance. For more information about insurance please refer to Section 8 Insurance in your super. Website You can access information, tools and calculators on our website. Use our online advice calculator to model what your retirement savings might look like, learn how to boost your account balance by contributing more to super or to assess if you have adequate insurance cover. Our online advice calculator automatically provides you with a Statement of Advice at no cost to you. Go to plum.com.au to find out more about how you can make your money work for you. Financial advice services You can call us for help about your super. We can provide you with free online and phone based advice on a range of super strategies. If you need comprehensive financial advice, you can access personal face-to-face advice via a licensed financial adviser. To access these services, call us on You ll enjoy: a broad range of investment options; insurance cover with competitive premiums; access to tools and calculators online at plum.com.au; our investment and education newsletter; six-monthly Member benefit statements; access to financial advice services; and the option to keep your super benefits in the one place by choosing this account for your future employer contributions. You can tailor your membership in many ways to help you take control of your financial future. If you d like to find out more about the benefits of investing with us go to our website plum.com.au You should read the important information about the benefits of investing with the Fund before making a decision. Go to plum.com.au to read the Your superannuation explained guide. The material relating to the benefits of investing with the Fund may change between the time you read this PDS and the day the product is acquired. 5

6 4. Risks of super Before you do any investing in super, there are some things you need to consider including the level of risk you are prepared to accept. Factors that will affect your decision include: your investment goals; the savings you ll need to reach your goals; how many years you have to invest; the return you may expect from your investments, including investments outside super; and how comfortable you are with investment risk. Investment risk All investments carry risk. Even the simplest of investments come with a level of risk and different investments have different levels of risk. While the idea of investment risk can be confronting, it s a normal part of investing. Without it you may not get the returns you need to reach your financial goals. This is known as the risk/return trade off. When considering your investment, it s important to understand that: its value will vary over time; investments with higher return potential, usually have higher levels of risk; returns aren t guaranteed, and you may lose some of your money; previous returns shouldn t be used to predict future returns; your final super balance may not provide for an adequate retirement; and laws of overseas jurisdictions can impact returns on international investments. Accessing the money you put into super Because super is for your retirement the law is strict about how and when you can access your money. To find out more go to moneysmart.gov.au Legislative change Just as the Government makes rules, it can also change them. We will help keep you informed on changes to laws on super, tax, social security and other retirement issues. Want to know more? Your financial future is what matters, so we ve developed a broad range of information and tools on super, investment risk and investing for the future. Just go to plum.com.au to: access information about the investment menu; find out more about savings and investment strategies; and try our tools and calculators. 6

7 5. How we invest your money We provide a broad range of investment options and you can choose any of these investment options to really put your investment plan into action. If you don t make a choice, your super will be invested in Plum MySuper. MySuper default Plum MySuper provides a diversified investment that brings together a range of asset classes, management styles and philosophies. Path one simple choice choose from 5 pre-mixed diversified options suited to a range of risk profiles from conservative through to aggressive. each option brings together a range of asset classes, management styles and philosophies. Path two flexible choice choose from a range of single-sector investment options plus some diversified options. some options are managed on an active basis while others follow a specific market index. Path three specialist choice choose from investment options which target specific asset class sectors or invest using particular investment styles. We may change the allocation in each investment option, and add or remove options at any stage. Up to date information is available at plum.com.au You can change your investment strategy or switch between investment options at any time. To do this, log in to plum.com.au You should read the important information about our investment options, understanding risk and ethical investing before making a decision. Go to plum.com.au to read the Your investment options explained guide. The material relating to your investment options may change between the time you read this PDS and the day the product is acquired. Investor profile tools For more information about our investment options, such as asset allocations, performance and investment commentary, simply visit plum.com.au or call Each of our investment options has a different level of risk and potential level of return. You should consider the likely return, risk and investment timeframe when choosing to invest in an option. 7

8 5. How we invest your money Investment objective: The portfolio may be suited to you if: Neutral allocation (at 1 December 2013): We may adjust the allocation within these ranges: Minimum suggested time to invest: Estimated number of negative annual returns: Plum MySuper To outperform inflation, measured by the consumer price index, by 3% p.a. after investment fees and taxes, over any 10 year period. you want long-term capital growth; and you understand and accept there can be moderate to high fluctuations in the value of your investment. Defensive 15 45% Growth 55 85% 6 years Indicative investment fee (% p.a.): 0.61%¹ Medium to High, between 3 and 4 years in 20 Buy-sell spread %: 0.05% / 0.00% 1 This includes estimated performance fees. Actual fees may be different. Australian fixed interest 19% International fixed interest 11% Defensive total 30% International listed property 4% Australian shares 32% International shares 17% International shares (hedged) 8% Private markets 5% Growth alternatives 4% Growth total 70% 8

9 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. Your employer may be able to negotiate to pay lower administration fees. Ask us or your financial adviser. To find out more If you would like to find out more, or see the impact of fees for your own circumstances, the Australian Securities and Investments Commission (ASIC) website moneysmart.gov.au has a Superannuation calculator to help you check out different fee options and calculate the effect of fees and costs on account balances. All fees shown in the following table are inclusive of GST and net of Reduced Input Tax Credits (where applicable). A tax benefit may apply to fees charged to your super account. We will pass on the tax benefit arising from the fees you pay, reducing your overall tax or providing your account with a refund. You can use the information in this table to compare fees and costs between different superannuation products. These fees and costs may be deducted from your account, from the returns on your investment or from the Fund assets as a whole. We may vary some of our fees or costs in line with movements in the consumer price index (CPI) without notice but we ll give you 30 days notice of other material increases. The only exceptions are for investment fees which will vary daily with investment costs and Government taxes and charges. For further details about fee definitions go to plum.com.au 9

10 10 Personal Plan Type of fee Amount How and when paid Indicative Investment fee The indicative investment fee for Plum MySuper is 0.61¹ % p.a. The indicative investment fees for other investment options range from 0.30% p.a. to 1.57²% p.a. Indicative investment fee depends on each investment option chosen (see Your investment options explained guide). Reflected in the daily unit price for each investment option. The actual investment fee varies daily as investment costs Administration fee This has two parts: Member fee $90 p.a.³, plus Plan management fee which is equal to: % p.a. of your Plum MySuper balance; plus - a percentage of your balance held in other investment options, according to the tiered scale: - up to $100,000: 0.80% p.a. - next $100,000: 0.40% p.a. - balance over $200,000: 0.25% p.a. Your Plum MySuper balance will be taken into consideration to determine your average fee, but it will only be applied to the balance in your other investment options. This fee is deducted from your account each month and is subject to a minimum of $67.60 p.a. An Operational risk reserve cost of up to 0.10% of your account balance. Buy/sell spread The Buy/sell spread for Plum MySuper is 0.05%/0.00% The Buy/sell spread for other investment options range from 0.00%/0.00% to 0.35%/0.35% change. No Maximum. The Member fee is deducted monthly from your account. The Plan management fee is deducted monthly from your account. The Operational risk reserve cost is deducted from your account in any year, as the Trustee determines. Incurred when units in investment options are purchased or sold. Generally reflected in the buy and sell unit price of each investment option. Switching fee $0.00 There is no Switching fee. Exit fee $ Deducted from the amount paid when you make a full or partial withdrawal from the Plan. Advice fees Relating to all members investing in Plum MySuper or other investment option(s). $0.00 There are no advice fees. However, if you wish, you can have amounts deducted from your account to pay fees to your financial adviser. Other fees and costs For details of other fees and costs that may apply please refer to the Additional fees and costs section of Your superannuation explained guide. Indirect cost ratio The estimated indirect cost ratio for Plum MySuper is 0.08% p.a. The estimated indirect cost ratio for other investment options range from 00.0% p.a. to 3.00% p.a. Reflected in the daily unit price for each investment option. 1 Includes an estimate for performance fees. 2 May include an estimate for performance fees. For more information refer to Your investment options explained guide. 3 This fee may be indexed annually in line with movements in the CPI without notice.

11 6. Fees and costs Investment strategy change or switch You should consider the impact on your fees before making an investment strategy change or switch as a different Plan management fee will apply to the Plum MySuper option compared to other investment options. Example of annual fees and costs for Plum MySuper This table gives an example of how the fees and costs in Plum MySuper can affect your superannuation investment over a one year period. You should use this table to compare this superannuation product with other superannuation products. Example Plum MySuper Balance of $50,000 Investment fees x $50,000 $305 For every $50,000 you have in Plum MySuper you will be charged $305 each year. Plus Administration fees Plus Indirect costs for Plum MySuper Equals Cost of product $90 ($1.73 per week) % x $50,000 $90 $185 And you will be charged $275 in administration fees. 0.08% 2 x $50,000 $40 And, indirect costs of $40 2 each year will be deducted from your investment. $620 If your balance was $50,000, then for that year you will be charged fees of $620³ for Plum MySuper. 1 The fees calculated in this example are based on indicative investment fees, which may differ from the actual costs. 2 This cost is reflected in the unit price for Plum MySuper. 3 This example assumes the Operational risk reserve was not charged. * Additional fees may apply: And, if you leave the Fund early, you will be charged an exit fee of $ Indirect costs When investing your money, we may incur costs and expenses that won t be charged to you as a fee but will reduce the net return of the investment option. These indirect costs are reflected in the daily unit price and any reporting on the performance of the investment option. Government levies The government applies levies to super funds which can vary in different years. To recoup these, we ll deduct the appropriate amounts from your account at different times each year. Operational risk reserve As part of the Stronger Super reforms, the government has introduced a new requirement for super funds to keep a financial reserve to cover any losses that members incur due to a breakdown in operations. To establish and maintain this reserve, there will be a cost to members. You should read the important information about fees and costs before making a decision. Go to plum.com.au to read the Your investment options explained guide and Your superannuation explained guide including fee definitions. The material relating to fees and costs may change between the time you read this PDS and the day the product is acquired. 11

12 7. How super is taxed This section isn t a comprehensive and complete tax guide. Tax on super is complex. This is general information, and we recommend you seek advice from a registered tax agent to determine your personal tax obligations. We are not a registered tax agent. Tax laws change. To keep up to date, please visit ato.gov.au. Super Tax treatments in your account Contributions Investment earnings Regular and additional pension payments Concessional contributions, such as employer and salary sacrifice contributions usually taxed at a rate of 15%, but a higher rate may apply if you earn over $300,000 p.a. Tax is deducted at 30 June and 31 December or when you leave the Personal Plan. Personal contributions, generally made by you or your spouse for which no personal income tax deduction will be claimed. not taxed. Additional tax may be payable if you exceed the contribution limits, go to ato.gov.au Taxed at rate of up to 15%. Tax paid or payable on investment earnings is reflected in the daily unit price of each investment option. Not applicable. Tax treatments on payments to you Lump sum withdrawals Tax-free component: Nil Taxable component: If under age 55, tax is paid up to 22% (including Medicare Levy at 2%). If aged between 55-59, tax free on first $185,000 (this is a lifetime limit which may be increased periodically), then tax is paid on the remainder up to 17% (including Medicare Levy at 2%). From age 60, tax-free. Other taxes and government levies may apply from time to time. If applicable, we ll deduct the tax from your account before paying the lump sum. Your employer will generally provide your tax file number (TFN) on your behalf. If we don t have it, we will only be able to accept concessional contributions and these may be taxed at the highest marginal tax rate plus the Medicare Levy, rather than at the usual tax rate of 15%. You may also miss out on government co-contributions as a result. We will verify your TFN with the ATO. For more information visit ato.gov.au. 12

13 8. Insurance in your super A range of insurance options are available to you depending on your needs and eligibility. You will automatically receive a level of death and total and permanent disablement (TPD) cover when we accept your application to join the Personal Plan, subject to your eligibility. You can apply for salary continuance insurance (SCI) cover to protect your income, subject to your eligibility. You will need to provide evidence of health to the Insurer before we can grant you any SCI cover. Death cover Death cover continues to age 65. It provides a lump sum benefit that may be payable in the event of your death or upon diagnosis of a terminal illness. TPD cover A lump sum TPD benefit will be payable if you meet the definition of total and permanent disablement and satisfy all other applicable eligibility criteria as set out in the insurance policy. Your TPD insurance will reduce by 20% each year from age 61 and ends at age 65. Death and TPD insurance cover is based on your age next birthday as shown in the table below. It will remain a fixed amount, unless you change it, or you turn 61 for TPD cover. Age next birthday Death cover ($) TPD cover ($) Age next birthday Death cover ($) TPD cover ($) , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,500 97, , , ,000 85, , , ,000 76, , , ,500 68, , , ,000 60, , , ,000 54, , , ,000 48, , , ,500 40, , , ,000 33,000 13

14 8. Insurance in your super 14 SCI insured cover SCI insured cover will provide a monthly benefit while you are unable to work due to temporary disablement. Your SCI benefit may be reduced by any other disability benefits you may be entitled to claim. This cover provides a monthly benefit while you are unable to work. You can select SCI waiting and benefit period from the options below: Waiting period Benefit period 30, 60 or 90 days 2 years 30, 60, 90 or 180 days 5 years 30, 60, 90 or 180 days To age 65 Changing your cover You can apply for a different level of insurance or cancel it at any time by completing the enclosed Insurance form Personal Plan. If you cancel, change your waiting or benefit period or decrease your cover, you can reinstate it but you will need to provide satisfactory evidence of health. Maximum benefit limits Insurance type Death TPD SCI Maximum cover available Unlimited $5 million $50,000 per month Bringing your insurance together You can apply to bring your other insurance together from an external arrangement to your account, including insurance you may have through other super accounts. We recommend you seek financial advice before consolidating your insurance as your fees and benefits may be different in each account. When won t a benefit be paid? Payment of an insured benefit is subject to the terms, conditions and restrictions of the applicable insurance policy. Your superannuation explained guide sets out these terms, including any terms that may exclude or reduce payment of your insurance benefit. Premiums Your insurance premiums are deducted from your account. Premiums are based on the type and amount of insurance cover and your age. The table below shows the range of premiums for each $1,000 of cover. Type of cover Annual cost of cover for each $1,000 sum insured Death (Male) $0.360 $8.586 Death (Female) $0.288 $6.869 TPD (Male) $0.100 $ TPD (Female) $0.080 $ SCI (Male) $1.327 $ (default occupation factor) 1 SCI (Female) $1.990 $ (default occupation factor) days waiting period with 2 year benefit period. Everybody has different needs and insurance is no exception. The insurance that s right for you depends on things like your family and financial commitments, income and lifestyle. You should read the important information about insurance eligibility conditions, exclusions, cancellation, premium rates, level and types of cover available, terms and definitions before making a decision. Go to plum.com.au to read Your superannuation explained guide. The material relating to insurance may change between the time you read this PDS and the day the product is acquired.

15 9. How to open an account Simply complete the Application form and send it to us with at least $2,000. Your $2,000 can be a new contribution or you can transfer your super from other funds. Simply complete a Consolidate your superannuation benefits form for each fund you want to transfer. We encourage you to find out more about your super and tailor your membership. More information is available on your web key or go to plum.com.au to access our online advice calculator. We will send you a Welcome Kit and a personal identification number (PIN). You can use your PIN to log into your account at plum.com.au to change your investment strategy or switch your investments, transfer your super from other funds to your account and update your personal details. If we don t receive any contributions from you or your employer within 60 days of joining the Plan, any selections you have made to tailor your membership (e.g investment choice or beneficiary nomination) will lapse and you will need to provide new selections. Product and investment option changes Changes will be made to the product or investment options from time to time. Changes that are not materially adverse will be made available on plum.com.au or you can obtain a paper copy of the changes on request free of charge. Privacy We collect your personal information from you directly wherever we can but in some cases as relevant to you and your product holding we may collect it from third parties such as your agent, adviser, employer, or for example a doctor in the case of a claim. We do this for the purposes of determining your eligibility for and managing and administering the product or service (for example to pay a benefit to a beneficiary). If personal information is not provided to us we may not be able to provide to you the product or service or manage and administer it. We may collect information about you because we are required or authorised by laws, including those affecting financial institutions such as company and tax laws, such as to verify your identity under Commonwealth Anti-Money Laundering law. We may share your information with other organisations for any purposes for which we use your information. We may disclose your personal information with other National Australia Bank Group (Group) members of which we are part, and to parties outside our Group (for example and as relevant to your product and service, to your agent, adviser or employer; to our agents and service providers) including for training staff; development and testing of products, services and systems; risk management, planning, research and analysis. If we need to share your information with organisations outside Australia (for example a call centre) a list of those countries is at nab.com.au/privacy/overseas-countries-list To let you know about the products the Group has on offer we and other Group members may use your personal information for marketing activities. You can let us know at any time if you no longer wish to receive direct marketing offers from the Group by contacting us. More information about how we collect, use, share and handle your personal information is in our Privacy Policy, including how you may access or correct information we collect about you and how you may make a complaint about a privacy issue, on plum.com.au. Contact us for a paper copy or if you have any questions or comments about our privacy policy or procedures. Use of your TFN We may use your TFN only for lawful reasons, including to pay out money, or to identify and combine super accounts. We may send your TFN to the Australian Taxation Office or to our Eligible Rollover Fund to assist them in locating any unclaimed or lost superannuation benefits. Resolving complaints We can usually resolve complaints over the phone. If we can t, or you re not satisfied with the outcome, please write to us. We ll work to resolve your complaint as soon as possible. If you re not satisfied with our decision you can get further advice from the Superannuation Complaints Tribunal (SCT) by calling , or ing info@sct.gov.au More information is available at sct.gov.au 15

16 How to contact us If you would like more information or copies of any documents, contact us on am to 7pm AEST (8pm daylight savings time), Monday to Friday or go to plum.com.au Want to change your mind? You can mail or us to close your account within 14 days of opening it. We re restricted by law on the amount that may be paid. To find out more go to apra.gov.au or ato.gov.au Your account balance will be adjusted for any: increase or decrease in the value of your investment; any insurance premium paid; tax payable; and administration costs incurred in establishing or closing your account. This cooling-off period doesn t apply if you transact on your account within 14 days. Important information An interest in the Plum Superannuation Fund ABN (Fund) is issued by PFS Nominees Pty Ltd ABN AFSL (Trustee). The Fund administrator is Plum Financial Services Limited ABN AFSL (Administrator). This material has been issued by the Trustee and it contains information that is general in nature. The information does not take into account your objectives, financial situation or needs. Before acting on the information you should consider whether it is appropriate having regard to your personal circumstances and seek licensed professional advice. The Trustee recommends that you consider this Product Disclosure Statement (PDS) before you make any decisions about your superannuation. Please note that the information contained in this material is current as at 11 March Any changes in the law or policy subsequent to this date have not been incorporated Plum Financial Services Limited ABN AFSL PLRD3477 (07-14)