Investments/Fees: Investment management fees for the following investment options have been updated:
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1 Australian Catholic Superannuation and Retirement Fund Employer Sponsored, Personal Plan, MySuper, RetireChoice, RetireSmart Investments 01 November 2016 Investments/Fees: Investment management fees for the following investment options have been updated: Old Fees (%) New Fees (%) Option Name Total Performance Base Total Performance Base Total Fee Fee Change (bps) Shares Property MySuper (Balanced) International Shares Growth Conservative Balanced Conservative Bonds Australian Shares SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 1 OF 25
2 ...continued Australian Catholic Superannuation and Retirement Fund Employer Sponsored, Personal Plan, MySuper, RetireChoice, RetireSmart Investments 01 November 2016 Investments: Changes in strategic asset allocations: Growth Old AA Asset Class Benchmark (%) Old AA Range (%) New AA Benchmark (%) New AA Range (%) Australian Shares International Shares Infrastructure Property Alternatives Multi-Asset Bonds Cash and Term Deposits MySuper Balanced Asset Class Old AA Benchmark (%) Old AA Range (%) New AA Benchmark (%) New AA Range (%) Australian Shares International Shares Infrastructure Property Alternatives Multi-Asset Bonds Cash and Term Deposits SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 2 OF 25
3 Australian Catholic Superannuation and Retirement Fund Employer Sponsored, Personal Plan, RetireChoice Investments 01 November 2016 Investments: Change in strategic asset allocation: Socially Responsible Balanced Old AA Asset Class Benchmark (%) Old AA Range (%) New AA Benchmark (%) New AA Range (%) Australian Shares International Shares Infrastructure Property Alternatives Bonds Cash and Term Deposits Conservative Balanced Asset Class Old AA Benchmark (%) Old AA Range (%) New AA Benchmark (%) New AA Range (%) Australian Shares International Shares Infrastructure Property Alternatives Multi-Asset Bonds Cash and Term Deposits SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 3 OF 25
4 ...continued Australian Catholic Superannuation and Retirement Fund Employer Sponsored, Personal Plan, RetireChoice Investments 01 November 2016 Investments (continued): Change in strategic asset allocation: Conservative Asset Class Old AA Benchmark (%) Old AA Range (%) New AA Benchmark (%) New AA Range (%) Australian Shares International Shares Infrastructure Property Alternatives Multi-Asset Bonds Cash and Term Deposits SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 4 OF 25
5 ...continued Australian Catholic Superannuation and Retirement Fund Employer Sponsored, Personal Plan, RetireChoice Investments 01 November 2016 Investments (continued): Investment objectives of the following option has been updated: Option Name Old Objective New Objective Property CPI % over rolling 10 year periods CPI % over rolling 10 year periods SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 5 OF 25
6 continued Australian Catholic Superannuation and Retirement Fund Employer Sponsored, Personal Plan, MySuper Insurance 01 November 2016 Insurance: The following conditions will be applied to optional extra cover without underwriting from 01 November: Members must have joined the Fund within 2 months of commencing employment with their sponsoring employer; Members must satisfactorily complete the application form containing a basic screening declaration (health questions); For IP cover, members must be At Work on the date that they sign and date the application form. The following conditions will be applied to increasing cover following significant life events from 01 November: Members must meet the eligibility requirements including satisfactorily completing the application form containing health questions and a declaration; If members have been underwritten and the insurer has applied any special conditions or exclusions to their cover, the same conditions or exclusions will apply to this extra cover. The following conditions will apply to increasing IP cover following a salary increase from 01 November: If a member notifies the Fund of their salary increase, the increase will take effect from the date the Fund receives their application form, subject to the application being accepted by the insurer. Cover will not increase unless the Fund is notified of an increase by either the member or sponsoring employer. Changes to maximum level of Death Cover: Before 01 November 2016 From 01 November 2016 $5 Million $2 million SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 6 OF 25
7 legalsuper legalsuper, Mysuper, Personal & Pension Additional Information 08 October 2016 Investments/Fees: The following investment management fees have been updated: Option Name Old Fees (%) New Fees (%) Total Change Total Performance Fee Base Total (bps) Australian Shares Balanced Balanced Socially Responsible Conservative Conservative Balanced Growth High Growth Overseas Shares Note: The new s are an estimate which have been calculated using anticipated fees of current underlying investment managers and include an estimated level of performance fees. SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 7 OF 25
8 legalsuper legalsuper, Mysuper & Personal Additional Information 08 October 2016 Insurance: New Medical Specialist Requirement for TPD cover: From 8 Oct 2016, members are required to provide proof that they have been continuously following the advice of a medical practitioner and a specialist medical practitioner in relation to the injury or illness when claiming a TPD benefit. New Screening Questions: From 8 Oct 2016, members wishing to increase their existing Death or Death & TPD cover need to answer a set of six screening questions. The increase of cover is limited to one of the following arrangements: 1. Life Events Cover 2. Transfer of cover from another super fund 3. Conversion of cover between fixed and unitised. The same questions also apply to all new members who apply for voluntary IP cover of up to $6,000 per month. SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 8 OF 25
9 continued legalsuper legalsuper, Mysuper & Personal Additional Information 08 October 2016 Insurance (continued): Changes to the level of Default Cover: Death/TPD AAL ANB Old ($) New ($) Age , ,000 Age , ,000 Age , ,000 Age , ,000 Age , ,000 Age , ,000 Age , ,000 Age , ,000 Age , ,000 Age 65 80,000 80,000 Age 70 40,000 40,000 SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 9 OF 25
10 continued legalsuper legalsuper, Mysuper & Personal Additional Information 08 October 2016 Insurance (continued): Cost per $1,000 pa (Death Only) below rates are age based only: Blue Collar/White Collar (Male/Female) Old ($) New ($) Change Age % Age % Age % Age % Age % Age % Age % Age % Age % Age % Age % SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 10 OF 25
11 continued legalsuper legalsuper, Mysuper & Personal Additional Information 08 October 2016 Insurance (continued): Cost per $1,000 pa (Death & TPD) below rates are age based only: Blue Collar/White Collar (Male/Female) Old ($) New ($) Change Age % Age % Age % Age % Age % Age % Age % Age % Age % Age % Age % SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 11 OF 25
12 continued legalsuper legalsuper, Mysuper & Personal Additional Information 08 October 2016 Insurance (continued): Cost per $1,000 pa (IP 60 days): White/Blue Collar Male White/Blue Collar Female Old ($) New ($) Change Old ($) New ($) Change Age % % Age % % Age % % Age % % Age % % Age % % Age % % Age % % Age % % Age % % Note: A 30 or 90 day waiting period is also available with varied rates applicable. Please refer to the Additional Information for more details. SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 12 OF 25
13 continued legalsuper legalsuper, Mysuper & Personal Additional Information 08 October 2016 Insurance (continued): Cost per $1,000 pa (LTIP 60 days): White/Blue Collar Male White/Blue Collar Female Old ($) New ($) Change Old ($) New ($) Change Age % % Age % % Age % % Age % % Age % % Age % % Age % % Age % % Age % % Age % % Note: A 30 or 90 day waiting period is also available with varied rates applicable. Please refer to the Additional Information for more details. SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 13 OF 25
14 MAP Superannuation Plan RetireSelect Super, Pension Investment Guide 17 October 2016 Investments: Change in asset allocation ranges: Balanced Asset Class Old Range AA (%) New Range AA (%) Cash Diversified Fixed Interest Australian Equities International Equities Alternative Assets Diversified Property SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 14 OF 25
15 Tasplan Super, MySuper Significant Events Notice 07 November 2016 Investments: Tasplan OnTrack will replace MySuper Balanced as the default investment option effective 7 December 2016, while MySuper Balanced will be renamed to Balanced option. SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 15 OF 25
16 continued Tasplan Super, MySuper Significant Events Notice 07 November 2016 Investments (continued): The following investment options will be introduced as Tasplan Ontrack default investment strategy: Tasplan Ontrack Build Investment Objective This investment stage is designed for members aged 49 and under. This investment stage is focused on capital growth. It aims to achieve high long term investment returns, while tolerating a high level of volatility of returns. The investment return objective is CPI + 4% a year over rolling 7 year periods. High 0.57% pa (including nil performance fee) Standard Risk Measure (%) Asset Allocation Asset class Benchmark AA (%) Range AA (%) Growth Assets Australian Shares International Shares Listed Property Private Equity Unlisted Property Unlisted Infrastructure Alternative Debt (EMD) Total Growth Assets 90 - Defensive Assets Absolute Return Australian Fixed Interest International Fixed Interest Cash Total Defensive Assets 10 - SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 16 OF 25
17 continued Tasplan Super, MySuper Significant Events Notice 07 November 2016 Investments (continued): Tasplan Ontrack Sustain Investment Objective This investment stage is designed for members aged 50 to 54. This investment stage begins to reduce the impact of capital losses. It aims to achieve high long term investment returns, while accepting a medium to high level of investment risk. The investment return objective is CPI + 3% a year over rolling 5 year periods. Medium to High 0.54% pa (including nil performance fee) Standard Risk Measure (%) Asset Allocation Asset class Benchmark AA (%) Range AA (%) Growth Assets Australian Shares International Shares Listed Property Private Equity Unlisted Property Unlisted Infrastructure Alternative Debt (EMD) Total Growth Assets 75 - Defensive Assets Absolute Return Australian Fixed Interest International Fixed Interest Cash Total Defensive Assets 25 - SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 17 OF 25
18 continued Tasplan Super, MySuper Significant Events Notice 07 November 2016 Investments (continued): Tasplan Ontrack Control Investment Objective This investment stage is designed for members aged 55 to 59. This investment stage has an increased focus on capital protection. It aims to achieve moderate to high investment returns, while accepting a medium to high level of investment risk. The investment return objective is CPI + 2.5% a year over rolling 5 year periods. Medium to High 0.50% pa (including nil performance fee) Standard Risk Measure (%) Asset Allocation Asset class Benchmark AA (%) Range AA (%) Growth Assets Australian Shares International Shares Listed Property Private Equity Unlisted Property Unlisted Infrastructure Alternative Debt (EMD) Total Growth Assets 60 - Defensive Assets Absolute Return Australian Fixed Interest International Fixed Interest Cash Total Defensive Assets 40 - SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 18 OF 25
19 continued Tasplan Super, MySuper Significant Events Notice 07 November 2016 Investments (continued): Tasplan Ontrack Maintain Investment Objective This investment stage is designed for members aged 60 and over. This investment stage seeks to provide stability in your super savings. It aims to achieve moderate investment returns, while accepting a medium level of risk. The investment return objective is CPI + 2% a year over rolling 5 year periods. Medium 0.43% pa (including nil performance fee) Standard Risk Measure (%) Asset Allocation Asset class Benchmark AA (%) Range AA (%) Growth Assets Australian Shares International Shares Listed Property Private Equity Unlisted Property Unlisted Infrastructure Alternative Debt (EMD) Total Growth Assets 44 - Defensive Assets Absolute Return Australian Fixed Interest International Fixed Interest Cash Total Defensive Assets 56 - SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 19 OF 25
20 UniSuper Accumulation 1 PDS, Fees Guide 01 October 2016 Investments/Fees: Investment management fees for the following investment options have been updated: Old Fees (%) New Fees (%) Option Name Total Performance Fee Base Total Performance Fee Base Total Change (bps) Australian Bond Australian Shares Balanced Conservative Balanced Global Companies in Asia Global Environmental Opportunities Growth High Growth International Shares Listed Property Sustainable Balanced Sustainable High Growth Fees: The switching fee has decreased from $15.80 to $13.80 per switch SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 20 OF 25
21 UniSuper Accumulation 2 PDS 01 October 2016 Investments/Fees: Investment management fees for the following investment options have been updated: Old Fees (%) New Fees (%) Option Name Total Performance Fee Base Total Performance Fee Base Total Change (bps) Australian Bond Australian Shares Balanced Conservative Balanced Global Companies in Asia Global Environmental Opportunities Growth High Growth International Shares Listed Property Sustainable Balanced Sustainable High Growth Fees: The switching fee has decreased from $15.80 to $13.80 per switch SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 21 OF 25
22 UniSuper Flexi Pension PDS 01 October 2016 Investments/Fees: Investment management fees for the following investment options have been updated: Old Fees (%) New Fees (%) Option Name Total Performance Fee Base Total Performance Fee Base Total Change (bps) Australian Bond Australian Shares Balanced Conservative Balanced Global Companies in Asia Global Environmental Opportunities Growth High Growth International Shares Listed Property Sustainable Balanced Sustainable High Growth Fees: The switching fee has decreased from $15.80 to $13.80 per switch SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 22 OF 25
23 UniSuper Accumulation 1, Accumulation, Flexi Pension Investment Guide 01 October 2016 Investments Changes in investment objectives: Investment objective of the following options have been updated: Option Name Old Objective New Objective \ Australian Bond Consumer Price Index % pa over 4 years Consumer Price Index over 4 years Capital Stable Consumer Price Index % pa over 5 years Consumer Price Index % pa over 5 years Cash Consumer Price Index % pa over 3 years RBA Cash Rate over 1 year Diversified Credit Income Consumer Price Index % pa over 4 years Consumer Price Index % pa over 4 years SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 23 OF 25
24 UniSuper Accumulation 1, Accumulation 2 Insurance Guide 01 October 2016 Insurance: Not differentiated between male and female or occupational categories Death premiums have fallen from $1.08 per unit per week to $1.03 per unit per week Death/TPD premiums have fallen from $1.76 per unit per week to $1.68 per unit per week Cost per $1,000 pa (IP 60 days) Blue Collar/White Collar (Male/Female) Old ($) New ($) Change Age % Age % Age % Age % Age % Age % Age % Age % Age % Age % Note: A 30 or 90 day waiting period is also available with varied rates applicable. Please refer to the Insurance Guide for more details. SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 24 OF 25
25 SuperRatings Get SMART Newsletter December 2016 Edition Disclaimer: SuperRatings Pty Limited ABN AFSL No (SuperRatings) is a superannuation research house with specialist areas of expertise that was originally established in The information used in compiling this data comes from sources considered reliable. It is not guaranteed to be accurate or complete. Past performance is not a reliable indicator of future performance. The data has been prepared for the purpose of providing General Advice (as defined in the Corporations Act 2001 (Cth)) only, without taking into account the objectives, financial situation or particular needs ( financial circumstances ) of any particular person. Before making any decision about a financial product in the data, the reader must consider whether it is personally appropriate in light of his or her financial circumstances, or should seek independent financial advice on its appropriateness. The reader should obtain and consider the Product Disclosure Statement from each superannuation or pension financial product before making any decision about whether to acquire a financial product. SuperRatings research process relies upon the participation of the superannuation fund or product issuer(s). Should the superannuation fund or product issuer(s) no longer be an active participant in SuperRatings research process, SuperRatings reserves the right to withdraw the rating and document at any time and discontinue future coverage of the superannuation and pension financial product(s). Copyright Disclaimer: Copyright 2016 SuperRatings Pty Ltd (ABN: AFSL No (SuperRatings)). This data is subject to the copyright of SuperRatings. Except for the temporary copy held in a computer's cache and a single permanent copy for your personal reference or other than as permitted under the Copyright Act 1968 (Cth.), no part of this publication may, in any form or by any means (electronic, mechanical, micro-copying, photocopying, recording or otherwise), be reproduced, stored or transmitted without the prior written permission of SuperRatings. This publication may also contain third party supplied material that is subject to copyright. Any such material is the intellectual property of that third party or its content providers. The same restrictions applying above to SuperRatings copyrighted material, applies to such third party content. SUPERRATINGS.COM.AU ENQUIRY@SUPERRATINGS.COM.AU LEVEL 12, 2 BULLETIN PLACE, SYDNEY NSW 2000 T F PAGE 25 OF 25
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