Sunsuper for Kinetic Super Employers. January 2018
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1 Sunsuper for Kinetic Super Employers January 2018
2 Kinetic Super is merging with Sunsuper on the 12th May What s in it for you and your employees? An easier contribution payment process for your payroll staff with greater visibility of contributions An improved investment menu offering 20 options Faster payments to third-party funds Top quartile Balanced option performance over 10 years 1 Integration of your Sunsuper and Kinetic Super members A tailored member engagement journey Confidence in the default fund, which is preeminent, stable and sustainable Sunsuper Dream Rewards a comprehensive member rewards program Retention of your Kinetic Super Relationship Team Non-conflicted scaled advice An administration fee that is 38% lower on an account balance of $50,000 Tax-deduction for premiums and fees are passed onto members Kinetic Super has a long rich history as the pre-eminent fund in the recruitment / labour hire industry, with over 275,000 members. Sunsuper already has 46,000 members in this industry. So, with this merger, we are dedicated to bringing our combined strength to maintain and enhance Kinetic Super's heritage to nurture and build a strong association with the highly desirable recruitment / labour hire industry. We manage our own administration platform, so we ll bring our expertise in payroll support, clearing house, gateway services, digital engagement and scale to deliver a better outcome for employees and contractors in your industry. Our extenstive, in-house services will enhance your value proposition to your workforce. We welcome the opportunity to give you a thorough understanding of our business and how we ll support you. We d like to demonstrate how our profit-for-members model, high performance, values-based culture and member s best interest motivation are a powerful combination that unite and motivate our staff to deliver innovative ideas and outstanding service to our customers. We have recently won several major awards: Money magazine s Best Super Fund Manager, and SuperRatings, Chant West and Super Review's fund of the year awards we are the only fund to win all four prestigious awards in a single year.
3 Introducing Sunsuper The only purpose of our business is to run a superannuation fund successfully. We do not have any other business; therefore, we are undoubtedly committed to and invested in the future of the superannuation industry. Growth Performance $5.42bn NET CASH FLOW TOP 5 FASTEST GROWING MARKET SHARE (over 5 years) $49bn FUNDS UNDER MANAGEMENT As at Nov % BALANCED INVESTMENT option return over the year to 30 September Clients People >99,000 EMPLOYERS As at CORPORATE PLANS WITH A RELATIONSHIP MANAGER 85% OF OUR PEOPLE SAY TAKING EVERYTHING INTO ACCOUNT SUNSUPER IS A GREAT PLACE TO WORK 3/3/3 LEADING BOARD STRUCTURE Member Services 24% INCREASE INCOME ACCOUNT MEMBERS 4.3m VISITS TO sunsuper.com.au 33,661 TOTAL APP DOWNLOADS As at Sept 2017 >1m MEMBERS As one of the fastest growing and largest superannuation funds in Australia, we are able to continually invest in all facets of our business, including core operational and digital capabilities, member and employer services, and globally diversified investments across both listed and unlisted assets. Our strong financial position, with a single purpose to empower and inspire Australians to fulfil their retirement dreams, means we can invest with clarity without being subject to other business priorities or tactical decisions to shift business focus. We have an innovative and proactive culture, driven by an engaged workforce that rates Sunsuper as a Great Place To Work. This culture has proven to be successful in managing change and delivering innovative services for our customers. Examples of this are Sunsuper being the first fund to receive a MySuper license and one of the first funds to launch an online rollover tool, which allows members to combine all their super on the spot. Board structure and governance 3 employer representative, 3 member representative and 3 independent Directors on our Trustee Board Chant West s Best Fund: Integrity (2016) Ben Swan Andrew Fraser Elizabeth Harllett We have built our reputation on transparency and good governance. Our Board consists of nine non-executive Directors, including three Directors who are independent of our shareholder organisations. This strong governance framework and our profit-for-members structure create a powerful model for improving members retirement outcomes. Mark Harvey Ros McLennan Michael Clifford Jenni Mack Michael Traill Theresa Moltoni
4 Benefits for your employees Investment arrangements Our size and strong net cash-flows provide us the freedom and ability to access unlisted alternative investments, including private capital, direct property and infrastructure. Our ability to make these allocations to unlisted assets allows us to build portfolios that are likely to achieve better longer-term returns with smaller fluctuations in those returns. They also provide greater diversification across the portfolio and allow us to access opportunities not generally available in traditional asset classes. 12% 10% 8% 6% 4% 30 September performance 11.23% 9.08% 8.61% 7.44% 10.37% 9.46% 5.30% 4.66% 1 Year 3 Year 5 Year 10 Year Sunsuper for life Balanced MySuper default strategy We offer a MySuper default investment strategy designed around the needs of members (not the constraints of investment platforms or the inflexibility of administration platforms). This Lifecycle Investment Strategy provides a gradual glide path that ensures our members are protected from market sequence risk and treated as individuals, rather than a broad-based cohort of members. The Lifecycle strategy gradually de-risks members from 70% to 45% in growth assets over 10 years from age 55 to age 65. Our critical points of difference are De-risking only occurs in the latter years of working life; some funds start de-risking earlier, exposing members to lower expected returns, and some do not de-risk at all (single diversified strategies), leaving members exposed to a higher level of risk in their final working years. De-risking occurs on an individual member basis; most Lifecycle funds group members by age cohorts (some spanning 10 years) resulting in a common strategy for all people in that age cohort range. Our strategy completes 120 individual investment switches between ages 55 and % 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% To age 55 Cash pool Retirement pool Balanced pool and over 45% SR50 Balanced (60-76) Index 1 We have a straight forward menu of 20 options that allow members who wish to do so the ability to build their own customised portfolio. Actively managed Diversified Lifestyle Investment Strategy (Super-savings account only) Growth Balanced Socially Conscious Balanced Diversified Alternatives Retirement Conservative Shares Shares Australian Shares Property Property Fixed Interest and Cash Diversified Bonds Cash Capital Guaranteed Passively managed (Index) Balanced - Index Australian Shares - index Int. Shares - Index (hedged) Int. Shares - Index (unhedged) Emerging Market Shares Australian Property - Index Diversified Bonds - Index Competitive and transparent fees Our size and profit-for-member structure allows us to deliver low administration fees to our customers that are transparent and easy to understand. We do not have hidden charges or levies. Investment fees and indirect costs depend on the options a member invests. These reflect the costs of investing. We always show investment returns net of investment fees. We have also never charged for any additional recoveries or levies. Fee type Fee amount Administration fee $1.50 per week plus 0.10% p.a. of the first $800,000 of the account balance
5 Employer services Payroll support Client management Employer Online is our online portal and is a SuperStream-compliant solution. Chant West s Corporate Solutions Fund of the Year (2016 and 2017) Super Review s Best Corporate Solution (2017) Our interactive data dashboard provides our clients with deep insights into their Plan s key metrics and member interactions Web upload allows employers to download a file from their payroll and upload directly into Employer Online in order to: submit contribution and salary information submit choice contributions (Clearing House users only) add new employees notify us of exited employees We have an abundance of corporate fund experience across our relationship management, customer service, operations and transition teams nationally. update member information including contact details and TFN We can deliver customised reporting for our corporate clients and their plan s Policy Committee that can satisfy their own internal reporting requirements, as well as provide insights into their employees demographics and interactions with their super. Employer Online supports all data fields required under SuperStream legislation and contains a number of validations and underlying processes that ensure this information is applied to the employee s account and updated where relevant. notify us of changes to occupation or work status. Operational excellence Our administration platform allows us to control the priority and speed of improvements for our customers. This means we can be flexible and responsive to clients specific requests, as well as to legislative changes and other Fund-level enhancements. We own our administration services and do not offshore or have third-party risk on our core administration. We enhance our core services by partnering with global technology specialists. Employer Online (EOL) Sunsuper clearing house Sunsuper Gateway Receiving superannuation funds A highly digitised operating model supported by dedicated specialists for our corporate clients One of a few funds in Australia to have established their own Superstream accredited Gateway and clearing house We are self-administered allowing us to control the end to end customer experience
6 Member Engagement CSIA s Customer Service Organisation of the Year (2017) Customer first in everything we do To be recognised by the CSIA the nation s peak customer service body in the recognition of service excellence as Customer Service Organisation of the Year in 2017, is testament of the customer first values that are embedded across Sunsuper. This award covers all industries, not just financial services, which highlights the strength of engagement we deliver to our customers. Mobile technology One of the key tools of our multi-channel member services approach is mobile technology through our mobile app. The app delivers member account information in real time. Members can view their account balance/s and up to two years of transaction history. Members can update personal details, investment options, view insurance and beneficiary details while also receiving notifications of contributions received. Chant West s Best Fund Member Services (2013, 2014, 2015 and 2017) National Service Excellence in a Contact Centre award (2014, 2015 and 2016) Dream Rewards Dream Rewards is our member rewards program created to offer everyday savings for our members. We offer real discounts on thousands of items including whitegoods, fitness products, clothing, holidays and adventure experiences from retailers across Australia. 1 million 25,000 Over 1 million members introduced to Dream Rewards. since December 2015 Over 25,000 offers redeemed. since December % 1,000 open rates average over 30% well above industry average. Over 1000 different offers made available in 16/17 Huge Savings For example, up to: 55% off cruises 25% off electrical/whitegoods 60% off linen 25% off clothing & footwear visit sunsuper.com.au/dream-rewards to find out more Super Fund of the Year Super Fund of the Year 2017 Super Fund the Year 2017 Super Fund of the Yearof2017 Super Fund of the Year 2017 Awarded by SuperRatings October 2017 Awarded by Super Review August 2017 Awarded by Chant West May 2017 se e exce l le r v ic ia Chant West's Best Fund: Corporate Solutions Fourth time Chant West's Best Fund: Member Services a rd s a u s t ra l aw csia 20 Second year in a row n ce n Awarded by Money Magazine December win n er Third year in a row Customer Service institute of Australian 's National Service Excellence in a Contact Centre For ratings and award information, visit sunsuper.com.au/ratingsagencies Kinetic Super are not responsible for the preparation of this document. They are not providing advice or a recommendation in relation to this investment. This document was prepared and issued by Sunsuper Pty Ltd ABN , AFSL No , the Trustee and issuer of the Sunsuper Superannuation Fund ABN , USI It contains general information only. Any advice does not take into account your personal objectives, financial situation or needs. You should consider the appropriateness of any advice having regard to your personal objectives, financial situation and needs before acting on that advice. A copy of the Product Disclosure Statement (PDS) for Sunsuper Superannuation fund products can be obtained by visiting sunsuper.com.au/pds or calling You should consider the PDS in deciding whether to acquire, or to continue to hold, the product. Sunsuper clearing house is issued by Precision Administration Services Pty Ltd (Precision), ABN , AFSL No Precision is wholly owned by Sunsuper Pty Ltd as Trustee for the Sunsuper Superannuation Fund. You should consider the Sunsuper Clearing House PDS in deciding whether to acquire, or to continue to hold, this product. Visit sunsuper.com.au/clearinghousepds for a copy. 1 Source: SuperRatings Fund Crediting Rate Survey (SR50 Balanced (60-76) as at 30 September Past performance is not a reliable indicator of future performance.
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