StatePlus Allocated Pension Fund Formerly State Super Financial Services Product Disclosure Statement ISSUED 01 JULY 2017 Read this Information regarding the Allocated Pension Fund USI SSI0009AU is contained in this Product Disclosure Statement (PDS) and the following Booklets: Personal Retirement Plan and Allocated Pension Fund Investment and Fee Booklet (PRP & APF Investment and Fee Booklet) Investment Booklet Fixed Term Fund Retirement Fund Additional Information Booklet. This PDS provides a summary of significant information. It includes a number of references, marked with a, to important information contained in a Booklet, each of which forms part of the PDS. You should consider this important information before making a decision about the product. The information in this PDS and the Booklets is general information only and doesn t take into account your financial situation or needs. You may wish to consult your financial planner to obtain financial advice that is tailored to your personal circumstances. The information in this PDS and the Booklets may change from time to time. We may update information which is not materially adverse to you on A paper or electronic copy of the PDS, the Booklets and any updated information can also be obtained without charge from your financial planner or by calling 1800 620 305. We may change any of the matters described in the PDS and the Booklets from time to time. We will notify you of material or significant changes which may affect you before or after the change has taken place in accordance with the law. The Allocated Pension Fund is available only to persons in Australia. Contents 1. About the Allocated Pension Fund 2. How super in retirement works 3. Benefits of investing with the Allocated Pension Fund 4. Risks of super 5. How we invest your money 6. Fees and other costs 7. How super in retirement is taxed 8. How to open an account 9. Other information Contact details: If you have any questions or would like more information about the Allocated Pension Fund phone 1800 620 305 mail GPO Box 5336, web SYDNEY NSW 2001 stateplus.com.au Issued by State Super Financial Services Australia Limited trading as StatePlus ABN 86 003 742 756, AFS Licence No 238430, Trustee of the StatePlus Retirement Fund, ABN 86 664 654 341.
2 Allocated Pension Fund 1. About the Allocated Pension Fund We maintain a website so you can keep up to date on important matters relating to the Allocated Pension Fund. We regularly update information on the website. You can find information on trustee and executive remuneration for StatePlus, as well as other important information and documents about the Allocated Pension Fund that is required to be disclosed under superannuation law at Brought to you by StatePlus StatePlus was established over 25 years ago and is now recognised as a leading financial planning and retirement solutions firm providing financial planning, investment management and implementation solutions. StatePlus is wholly owned by FSS Trustee Corporation (ABN 11 118 202 672, AFSL 293340) as trustee of the First State Superannuation Scheme (ABN 53 226 460 365). Allocated Pension Fund The Allocated Pension Fund is a superannuation product offered within the Allocated Pension and Term Allocated Pension Division of the StatePlus Retirement Fund (a complying superannuation fund). In the Allocated Pension Fund, you can choose to invest in one or more investment options (called Funds), each having a separate investment strategy. There are currently ten Funds offered in the Allocated Pension Fund. The Government sets limits on the minimum amounts you can receive as income payments each year from Pensions. Pensions invest superannuation savings to pay you an income stream each year until the total balance is exhausted. 2. How super in retirement works You should read the important information about How super in retirement works, Additional information about superannuation and Transacting on your account before making a decision. Go to the Retirement Fund Additional Information Booklet available at The material relating to How super in retirement works, Additional information about superannuation and Transacting on your account may change between the time when you read this Statement and the day when you acquire the product. About your retirement Superannuation (super) is a tax-effective way to save for your retirement which is, in part, compulsory. Tax concessions and other government benefits generally make super one of the best long-term investment vehicles. The Allocated Pension Fund is designed for retirees, semi-retired people or those about to retire who have full access to their super and who are looking to: take advantage of the pension tax concessions retain control over their financial strategy and invested capital receive a regular income stream from their superannuation monies. Contributions The Allocated Pension only accepts rollovers from other superannuation products (including the Personal Retirement Plan) that consist solely of unrestricted non-preserved amounts. You can start an Allocated Pension if you have satisfied a condition of release with a nil cashing restriction (i.e. a condition of release that does not restrict the form or amount of the benefit that can be paid) such as: you reach age 65 you reach age 60 and leave or change your employer you reach preservation age (between ages 55 and 60, depending on your date of birth) and permanently retire. There is a limit on the amount you can contribute to pension products in your lifetime. This limit is called the Transfer Balance Cap (as at 1 July 2017 this was $1.6 million). See the What are the conditions of release? and Transfer balance cap sections in the Retirement Fund Additional Information Booklet for more information. You can only open your Allocated Pension with a single amount because superannuation law prohibits any further contributions or rollovers being made to an existing pension. If you need to rollover from multiple superannuation funds or make multiple contributions to start your Allocated Pension account, we recommend you consolidate your monies in an accumulation superannuation product first (see the How super in retirement works section in the Retirement Fund Additional Information Booklet for more information). Withdrawals You can choose the amount of your pension payments. However, the amount you choose must be at least equal to the minimum annual payment amount for that year. You can withdraw as a lump sum amounts of $500 or more from your account balance. Depending on your personal circumstances, tax may be deducted prior to payment of your pension payment or lump sum. From 1 July 2017 any amounts withdrawn as a lump sum will not count towards meeting the minimum annual payment for that year.
Product Disclosure Statement 3 3. Benefits of investing with the Allocated Pension Fund By investing in the Allocated Pension Fund, you will gain the following benefits: Flexibility to vary the level of pension payments received from the fund (within legislatively determined ranges) Competitive fees No need to separately pay for further advice. This is included as part of the ongoing product fees Access to ongoing reviews provided by StatePlus to monitor your financial strategy and help ensure your retirement plans remain on track Access to a range of investment options, allowing you to construct a portfolio in line with your goals You benefit from a multi manager investment approach in which the assets of each investment option are typically managed by external specialist investment managers, either directly or through a series of discrete investment trusts of which StatePlus is trustee The investment performance of each of the investment options and specialist managers is closely monitored by a specialist investment team with oversight provided by the Board of StatePlus The choice of non-lapsing, binding or reversionary death benefit nominations to provide certainty that your superannuation benefits are distributed in accordance with your wishes. You should read the important information about Transacting on your account, Transaction processing, Special Investment Facilities, Reporting and Death benefits and nominations before making a decision. Go to the Retirement Fund Additional Information Booklet available at The material relating to Transacting on your account, Transaction processing, Special Investment Facilities, Reporting and Death benefits and nominations may change between the time when you read this Statement and the day when you acquire the product. 4. Risks of super All investments involve some level of risk. Super funds may invest in a range of asset classes for example, cash, bonds, property and equities that have different levels of risk. The Allocated Pension Fund offers a range of investment options, reflecting different weightings of these asset classes. The likely investment return, and the level of risk of losing money, is different for each investment option depending on the underlying mix of assets. In general terms, the higher the potential return of an investment over the longer term, the greater the risk of loss in the shorter term. Investment Risk Some of the investment risks you may be exposed to include: market risk asset allocation risk interest rate risk currency risk manager selection risk issuer concentration risk. Other Risks Some of the other risks you may be exposed to include: fund risk custodial risk compliance risk legislative risk counterparty risk. When considering your investment in super, it is important to understand that: the value of investment options will go up and down returns are not guaranteed and you may lose some of your money your retirement savings may not adequately provide for your retirement the level of returns will vary and future returns may differ from past returns laws affecting your retirement savings may change investment options may be closed, varied or terminated, or investment managers replaced. We will notify you of material or significant changes to the investment options in accordance with the law, which may be before or after the change processing of transactions may be delayed in some circumstances, for example, when an investment manager delays issuing unit prices. The appropriate level of risk for you will vary depending on a range of factors including your age, investment time frame, where other parts of your wealth are invested, and your risk tolerance. Your financial planner can help you understand investment risk and help you design an investment strategy that is right for you. You should read the important information about the Risks of super and Risks of super Fixed Term Fund before making a decision. Go to the PRP & APF Investment and Fee Booklet and Investment Booklet - Fixed Term Fund available at The material relating to the Risks of super and Risks of super Fixed Term Fund may change between the time when you read this Statement and the day when you acquire the product.
4 Allocated Pension Fund 5. How we invest your money You should read the important information on How we invest your money, Investment options and the Fixed Term Fund before making a decision. Go to the PRP & APF Investment and Fee Booklet and the Investment Booklet - Fixed Term Fund available at The material relating to How we invest your money, Investment options and the Fixed Term Fund may change between the time when you read this Statement and the day when you acquire the product. The Allocated Pension Fund has a range of unitised and non-unitised investment options (Funds). Each one has a different level of risk and potential level of returns. The unitised Funds are the: Cash Fund Fixed Interest Fund Capital Stable Fund Moderate Fund Balanced Fund Growth Fund Growth Plus Fund Australian Equities Fund International Equities Fund The non-unitised Fund is the: Fixed Term Fund Allocated Pension Fund You should consider the likely investment return, risk and your investment time frame when choosing which option to invest in. You can choose to invest in one option or a combination of different investment options. If your application does not specify the Fund(s) for investment, we will contact you to obtain your investment allocation. If we are unable to contact you we may not be able to accept your application. Investment details for the Balanced Fund For illustrative purposes, we have set out details of the Balanced Fund below. See the PRP & APF Investment and Fee Booklet and the Investment Booklet Fixed Term Fund for details on all the Funds offered in the Allocated Pension Fund. Overall objective To invest in a broad range of asset classes which have the potential to achieve capital growth over the longer term. Capital gains can be expected to be achieved, but there is also the risk of capital loss. Return objective 1 CPI + 3.0% gross of tax 2 and net of investment fees over rolling five year periods Strategic asset allocation Target Range Defensive assets 40% 30% to 50% Australian fixed interest 27% 10% to 50% International fixed interest 8% 0% to 15% Cash 5% 0% to 15% Growth assets 60% 50% to 70% Australian equities 21% 10% to 30% International equities 20% 10% to 30% Property 7.5% 0% to 20% Infrastructure 4% 0% to 20% High yield fixed interest 3% 0% to 10% Alternatives 4.5% 0% to 15% Currency exposure 15% 5% to 30% Investment strategy Type of investor this option is intended to be suitable for Minimum suggested investment time frame Standard risk measure Primarily invests (through discrete investment trusts) in a portfolio of Australian and overseas investments including (but not limited to) Australian cash, fixed interest securities, property, unit trusts, listed shares and alternative assets. Investments may include currency, futures, interest rate derivatives, commodity derivatives, options contracts and other derivatives. These derivatives may be used to reduce risk or to increase or decrease market exposure. This option is designed to suit investors who are seeking higher returns and are willing to accept a higher level of risk. 5 years or longer 4 - Medium 1. The return objective is not a guarantee of performance. The actual return may vary up or down from the return objective stated. 2. Gross of tax means prior to tax being taken out and with the value of franking credits added back in.
Product Disclosure Statement 5 The Standard Risk Measure is a guide on the estimated number of negative annual returns over any 20 year period. It does not consider all forms of investment risk and does not take into account tax or all fees that may apply. You should be comfortable with the potential losses of your chosen investment options. For more details on the Standard Risk Measure please refer to the PRP & APF Investment and Fee Booklet. You can transfer (switch) your money into other Funds at any time. Currently, no fee is charged for switching. We regularly monitor the investment performance of each Fund and the investment mandates of the investment managers. We may change investment managers from time to time without notice to you. We may vary a Fund s strategic asset allocation (target and/or range) from time to time, consistent with the investment objective of each Fund. We may also change the investment objective or investment strategy of any of the Funds, introduce new Funds or close or terminate existing Funds. We will notify you of material or significant changes to the investment options in accordance with the law, which may be before or after the change. 6. Fees and other 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 (www.moneysmart.gov.au) has a superannuation calculator to help you check out different fee options. You should read the important information about Fees and other costs and Additional explanation of fees and costs, before making a decision. Go to the PRP & APF Investment and Fee Booklet at The material relating to Fees and other costs and Additional explanation of fees and costs may change between the time when you read this Statement and the day when you acquire the product. *We are required by law to include this statement however it is not applicable as we are not an employer sponsored fund nor are fees negotiable. This document shows fees and other costs that you may be charged. These fees and other costs may be deducted from your money, from the returns on your investment or from the assets of the superannuation entity as a whole. Other fees, such as activity fees, may also be charged, but these will depend on the nature of the activity chosen by you. Taxes are set out in another part of this document. You should read all the information about fees and other costs because it is important to understand their impact on your investment. The fees and other costs for each unitised Fund and non-unitised Fund offered by the superannuation entity are set out below and in the PRP & APF Investment and Fee Booklet.
6 Allocated Pension Fund Fees and other costs table Allocated Pension Fund Type of fee Amount How and when paid Investment fee 2,3 Management fees: Depending on the investment option selected, the amount you pay for each Fund ranges from 0.99% p.a. to 1.50% p.a. of the amount you invest in that Fund. Plus Performance related fee 1 : Depending on the investment option selected, a performance related fee will be payable when certain investment managers exceed performance targets. The level of the performance related fee expressed as a percentage of the amount you invest in each Fund is estimated to range from 0.01% to 0.03% for the 2016/17 financial year. Plus Government cost and levies: Depending on the investment option selected these costs and levies are estimated to be 0.01% for the 2016/17 financial year Management fees for unitised Funds are calculated and accrued each day, and included in the calculation of the unit price of each unitised Fund on each business day and paid monthly. Management fees are deducted from unitised Fund assets at the end of each month. Management fees for the non-unitised Fund are calculated on a monthly basis and deducted from the returns generated by the underlying assets at the end of each month. The rate on the Fixed Term Fund Fund is quoted after these management fees and are locked in for the term of your investment. Performance related fees are calculated and accrued on a regular basis (at least monthly) and incorporated into the calculation of unit prices. Performance related fees are deducted from unitised fund assets as they become payable typically after a period of one year or longer (in certain circumstances, payments may be delayed). Government costs and levies are accrued into the calculation of unit prices when they become known and deducted as they are incurred. Government costs and levies for a non-unitised Fund are calculated on a monthly basis and deducted from the income generated by the underlying assets at the end of each month. The rate on the Fixed Term Fund is quoted after these fees and costs and is locked in for the term of your investment. Administration fee 2 Nil N/A Buy-sell spread 2 Nil N/A Switching fee 2 Nil N/A Exit fee 2 Nil N/A Advice fees 2 Relating to all members investing in a particular investment option Other fees and costs 4 Indirect cost ratio 2,5, Nil An early closure cost may be incurred if your investment in a non-unitised Fund is redeemed before maturity. 4 For the 2016/17 financial year, depending on the investment option selected, estimated to range from 0.00% to 0.15% ($0 to $75 per $50,000) of the amount you invest in that Fund. N/A If applicable, early closure costs will be deducted before the withdrawal amount is paid to you. For unitised Funds, costs are accrued into the calculation of unit prices when they become known and deducted as they are incurred. For the non-unitised Fund, costs are factored into rates prior to them being confirmed. 1. No performance related fees are currently payable for the Cash, Fixed Interest, Fixed Term, Australian Equities or International Equities Funds. See Additional explanation of fees and costs for more details. 2. Please see Additional explanation of fees and other costs in the PRP & APF Investment and Fee Booklet for a definition of each fee. 3. The Investment fees include financial planning fees. See the Cost of financial advice section under the heading Additional explanation of fees and costs. 4. There are costs associated with closing a non-unitised Fund investment before maturity. Please refer to Additional explanation of fees and other costs of the PRP & APF Investment and Fee Booklet for more details. 5. This amount reflects an estimate of the indirect cost ratio for the 2016/17 financial year. The indirect cost information is based on information and (if applicable) estimates of the indirect costs incurred as at the date of issue of the PDS. Please refer to Additional explanation of fees and other costs of the PRP & APF Investment and Fee Booklet for more details.
Product Disclosure Statement 7 Additional explanation of fees and costs The amendments to the statutory fees and costs disclosure requirements in ASIC Class Order [CO 14/1252], as amended, apply to this PDS. The indirect costs, performance related fees, government costs and levies and transactional and operational costs information included is based on information available and (if applicable) estimates of the fees and cost incurred as at the date of issue of the PDS. You should refer to our website at stateplus.com.au/documents for any updates to fees and costs which are not materially adverse from time to time. Indirect Cost Ratio There are certain expenses that are paid from assets of the Retirement Fund and are not included in the investment fees. These costs are included in the Indirect Cost Ratio ( ICR ) and are any amount that is not already disclosed as a fee or cost, and directly or indirectly reduces the return of the product. The actual indirect costs and therefore the ICR will change each year. The amount shown in the Fees and other costs table above are an estimate of the indirect costs incurred in the 2016/17 financial year. The actual indirect cost ratio in any given financial year may be more or less than the amount shown above. See the PRP & APF Investment and Fee Booklet for further information on the indirect cost ratio. Taxes Taxes are set out in the How super in retirement is taxed section of this document. Where applicable, government taxes will be deducted from your account balance. A tax deduction is claimed for fees and expenses incurred and the benefit of this is passed on to you through lower taxation costs and hence an increase in the unit price. Performance related fees We may pay some investment managers of the Funds a performance related fee for achieving specific targets. This is passed on to you through an increase in the investment fee. Performance related fees are based on the returns a manager delivers. Performance related fees may be payable to an investment manager even where the performance of the Fund as a whole does not exceed the specified return target for that Fund. The estimated performance related fees for the Capital Stable, Moderate, Balanced, Growth and Growth Plus Funds for the 2016/17 financial year are shown in the Fees and other costs table above and in the Additional explanation of fees and costs section in the PRP & APF Investment and Fee Booklet. The amount actually payable in any year may be higher or lower than the estimate depending on the level of performance. In some circumstances the performance related fee may be much higher than the estimate. Each performance related fee is calculated slightly differently however they all have the following common elements: A performance related fee is only payable to a manager if they achieve a target level of return Each time a performance related fee is paid the investment manager s portfolio must reach the previous highest value plus the appropriate performance hurdle before a new performance related fee is payable Performance related fees are calculated and accrued regularly (at least monthly) and incorporated into the calculation of unit prices. The accrued performance related fee can rise or fall in line with delivered performance Performance related fees are typically only payable after a period of one year or longer and in certain circumstances payments may be delayed. Cost of financial advice The management fees in the Fees and other costs table are not negotiable. From this fee, we provide you with access to a range of product and related services including financial planning. See the Statement of Advice from your financial planner for further details. Rebating of management fees You may be eligible to receive a rebate of management fees payable on your investment in the Allocated Pension Fund (and other eligible products issued by us). The rebate applies to the management fees on the total account balance that exceeds $1,000,000. Please refer to the PRP & APF Investment and Fee Booklet for further details. Fee definitions Please see the Fees and other costs section of the PRP & APF Investment and Fee Booklet for a definition of each type of fee referred to in this PDS. A definition of each type of fee is also provided on our website at
8 Allocated Pension Fund Can the fees change? We have the right to increase fees or charge new fees without your consent. We will give you at least 30 days prior notice of any increase in fees or charges or any other change in fees or charges, as required by the law. Example of annual fees and costs This table gives an example of how the fees and costs for the Balanced Fund for this superannuation product can affect your superannuation investment over a 1 year period. You should use this table to compare this superannuation product with other superannuation products. Example - the Balanced Fund Balance of $50 000 Investment fees 1 1.43% p.a. For every $50 000 you have in the superannuation product you will be charged $715 each year. PLUS Administration fees Nil And, you will be charged $0 in administration fees regardless of your balance PLUS Indirect costs for the 0.13% p.a. And, indirect costs of $65 each year will be superannuation product 2 deducted from your investment EQUALS Cost of product If your balance was $50 000, then for that year you will be charged fees of: $780 for the superannuation product 1. The investment fee is calculated as the sum of the management fee of 1.40% p.a. plus estimated performance related fees of 0.02% p.a. plus estimated government costs and levies of 0.01% p.a. 2. This is an estimate of the indirect cost ratio. Please see Additional explanation of fees and costs in the PRP & APF Investment and Fee Booklet for more details on the indirect cost ratio. Please note: Additional fees may apply. And, if you leave the superannuation entity, you will not be charged any exit fees. We currently do not charge a buy/sell spread. Please note: The example above is illustrative only and is based on the factors stated. It should not be taken to contain or provide an estimate of the fees and other costs you will pay in relation to the Allocated Pension Fund. 7. How super in retirement is taxed You should read the important information about How pensions are taxed and Your Tax File Number (TFN) before making a decision. Go to the Retirement Fund Additional Information Booklet available at The material relating to How pensions are taxed and Your Tax File Number (TFN) may change between the time when you read this Statement and the day when you acquire the product. There are a number of ways that super is taxed. Please see the table below: Type of tax Description How the tax is paid Tax on rollovers Nil* Not applicable* Tax on fund earnings Nil* Not applicable* Tax on pension payments/lump sum withdrawals Over age 60: The whole amount of each pension payment or lump sum withdrawal received on or after age 60 is not included in your assessable income and is not subject to income tax. Under age 60: If you are below age 60, the amount of the pension (less any tax-free amount) is included in your assessable income and taxed at your marginal rate. A tax offset of 15% on any taxed element of the taxable component of your pension payment is available if you have reached your preservation age. Tax on lump sum withdrawals is dependent on a number of factors including whether you have reached your preservation age. Tax (where applicable) is payable on assessment of your income tax return, but we deduct an amount from your withdrawal benefit as prescribed by law. The prescribed amount may differ from the tax payable on assessment. * If you exceed your Transfer Balance Cap, you may be liable for excess transfer balance tax, which is calculated on the notional earnings of the excess. Any excess transfer balance tax applicable is imposed on, and payable by, you. See the Transfer Balance Cap section in the Retirement Fund Additional Information Booklet for more information.
Product Disclosure Statement 9 When you join the Allocated Pension Fund, you should consider providing us with your tax file number. It is not an offence if you don t tell us your tax file number, however, if you decline to provide it we will not be able to accept your application. Please see Your Tax File Number in the Retirement Fund Additional Information Booklet for more information on tax file numbers. 8. How to open an account 1. The Allocated Pension Fund is only available to eligible investors. Please contact us on 1800 620 305 if you are unsure whether you are an eligible investor. 2. Read this PDS, the Retirement Fund Additional Information Booklet, the PRP & APF Investment and Fee Booklet and the Investment Booklet - Fixed Term Fund. 3. Call us on 1800 620 305 and ask one of our Client Services team to help you with your application. The minimum initial investment in the Allocated Pension Fund is $20,000. The maximum amount you can invest is your available space under the Transfer Balance Cap (see the Transfer balance cap section in the Retirement Fund Additional Information Booklet for information about the Transfer Balance Cap). Can you change your mind? A cooling-off period applies - if you change your mind about purchasing an Allocated Pension you have a 14 day cooling-off period to inform us in writing or electronically. This starts from the earlier of either: the day you receive confirmation of your initial investment, or the end of the 5th business day after the day on which we issue an interest in the Allocated Pension Fund to you. Your investment may have increased or decreased in the 14 day period. Depending upon the source of your investment for the Allocated Pension Fund, we can either pay your account balance directly to you or transfer it to another superannuation fund nominated in writing or electronically by you. Benefits that you transferred to the Allocated Pension Fund from another superannuation product which have no preservation restrictions can be paid to you. You should be aware the amount refunded under the cooling-off rules may be less than the amount you invested. The amount refunded is based on the unit price for the business day on which we receive your request (provided we receive it by 3.00pm Sydney time on a business day), less any applicable tax. Cooling-off does not apply to switching between Funds. You cannot exercise your cooling-off rights if you have exercised any other right or power you have in relation to your Allocated Pension. Any enquiries or complaints? If you have an enquiry or would like further information about the Allocated Pension Fund, please contact a Client Service Officer at your nearest office. If you are not satisfied with the service you receive from us, you are entitled to complain. We have established procedures to ensure all enquiries are answered and complaints are resolved. Any complaint should be directed in writing and sent to the General Manager Financial Planning, StatePlus GPO Box 5336, Sydney NSW 2001. We will respond to your complaint as quickly as possible and will make every effort to resolve your complaint within 45 days. However, if your complaint is not satisfactorily resolved within 90 days you can refer your complaint to the Superannuation Complaints Tribunal (SCT), which is independent of us. The SCT can be contacted from anywhere in Australia by calling 1300 884 114 or writing to: Superannuation Complaints Tribunal Locked Bag 3060 Melbourne VIC 3000 The SCT can deal with the decisions and conduct of trustees of superannuation funds, including the conduct and decisions of people acting on behalf of the trustee. Time limits apply to certain complaints to the SCT. If you have a complaint you should contact the SCT immediately to find out if a time limit applies.
10 Allocated Pension Fund Level 9, 83 Clarence Street, Sydney, NSW 2000 GPO Box 5336 Sydney NSW 2001 1800 620 305 stateplus.com.au Formerly State Super Financial Services 9. Other information You should read the important information about: Personal Information Family Law Our Responsibilities to you Anti-Money Laundering and Counter Terrorism Financing before making a decision. Go to the Retirement Fund Additional Information Booklet available at stateplus.com.au/documents or from one of our offices. The material relating to the additional important information may change between the time when you read this Statement and the day when you acquire the product. State Super Financial Services Australia Limited ABN 86 003 742 756 trading as StatePlus Australian Financial Services Licence No. 238430 BR46415