Information in this document may change from time to time. In 2019, chant west awarded unisuper super fund of the year, investments. Updates to the zurich superannuation plan and zurich accountbased pension pds and investment option booklet. Our fees cover the costs of managing your account and investments. Updating the information in the superwrap product disclosure. Below youll find the forms and publications that can help you make the most of your australiansuper select account.
It should be read in conjunction with the product disclosure statement pds that applies to your unisuper membership category. Sunsuper for life pds and membership application form. Jan 15, 2018 what fees do australian super funds charge. This website is provided by australiansuper pty ltd abn 94 006 457 987, afsl 233788, trustee of australiansuper abn 65 714 394 898 superannuation fund. Fees for the mysuper balanced option are lower than the industry average. Hesta personal super product disclosure statement issued 1 april 2020. If you work for a federal, state or territory government employer through a. About first state super personal members about first state super employer sponsored, police blue ribbon. In the case of any inconsistency with this pds and the club plus super. Here we outline some common superannuation fees and charges that you might be charged on your superannuation account. Some member forms should be completed using your online account.
Rules from the regulator, the australian securities and investments commission asic, require all super funds to change the way they disclose investment fees and costs. This product disclosure statement pds is a summary of the significant information which you need to consider before making a decision about future super. Product disclosure statements pds and member guides. This is the guide for most members, including those in our australiansuper plan, ghd superannuation plan, personal plan, super options or super only. Investment booklet issued 30 september 2018 this investment booklet forms part of the product disclosure statement pds for club plus super industry division and personal division dated 30 september 2018. Product disclosure statements pds help you make informed decisions about our super and retirement products. Theres details about everything from how super works, to how we invest your money, how super is taxed, and associated fees and insurance. Super fees are low and simple to understand with no. Booklet this document is part 3 of the additional information booklet for asgard employee super account asgard employee super. Trustee of australiansuper abn 65 714 394 898 usi sta0100au.
Your fees go directly towards the costs of managing your investments and providing great member. Insurance in your super this important information booklet includes information about insurance, including how to apply, the level and type of cover available, the cost of cover, eligibility and cancellation of cover, relevant definitions and the other conditions and exclusions that may apply and may affect your entitlement to insurance cover. You should consider all the information contained in this pds and the rba section in detail booklet before making a decision about the anz australian staff superannuation scheme. Australiansuper select product disclosure statement pds in this booklet youll find out what you need to know about how we manage your super as well as a bit about who we are. You can request a copy of this pds and the rba section in detail booklet by calling anz staff super. Read the industry division pds or the personal division pds depending on the division you are in or you intend joining, along with the pds booklets for your division. This employee section section a in detail booklet together with the employee section section a product disclosure statement describe the main features of the employee section section a of the anz australian staff superannuation scheme the scheme and should be read before making decisions about your superannuation. Important information the information in this additional guide guide is a summary only and forms part of the product disclosure statement. The investment fee and indirect cost ratio are based on the fees and costs for the financial year ended 30 june 2019. Jul 01, 2019 provided in the australian ethical super product disclosure statement pds. Changes occur in superannuation on a regular basis and information in our member booklets product disclosure statements and member booklet. Super is a longterm product, so its a good idea to compare us with the market and make sure youre getting the best value for money. It is specific to employees of ibm australia limited and its associated companies, as the contributing employer.
Member guide for accumulate plus product disclosure statement pds preparation date. Super is an important part of your employment and it takes only a little action from you to ensure your money works hard for the rest of your working life. You may request a copy of any updated material free of charge by contacting us. Tasplan super guide this is a summary of significant information members need to know about becoming a member of tasplan super. The information in this booklet forms part of the product disclosure statement for australiansuper select prepared on 1 april 2020. Updating the information in the bt panorama super product. Investment strategies bt super invest provides a range of diversified, sectorspecific and direct. Our account based pension helps you turn your super into a regular income in retirement. The following fact sheets provide supplementary information to the product disclosure statement pds. Updating the information in the bt panorama super product disclosure statement this update, dated 7 april 2020, relates to the bt panorama super product disclosure statement pds and additional. These will help you understand important information related to the features, fees and your options. The information in this pension additional information.
It includes references to important information that forms part of the pds and is included in the additional information booklet issued 1 july 2019 and the insurance guide issued 1 july. A summary of the important information you need about your sunsuper account, including insurance and fees. Anz smart choice super for employers and their employees. Retained benefit account rba section anz staff super. Employer sponsored, personal, police blue ribbon super, and ambulance officers super dated 1 october 2019. Important things to know about your super australiansuper product disclosure statement 1 april 2020 what well cover 1 about australiansuper 2 how super works 3 benefits of investing with. We calculate and take the fees out before we declare the unit price, every working day. Learn more about our fees and costs for super accounts and. Telstrasuper offers competitive administration fees and investment fees, plus with telstrasuper there are no entry fees, exit fees or commissions. Booklets member booklet, investment booklet and insurance booklet and copies of pds updates at. Welcome to first super and this product disclosure statement pds.
Update your contact details or bank account details, or switch to being an electronic investor. Before deciding to take on a super fund, we recommend that you and your employee read the pds and relevant fact sheets. The total fees and any other applicable fees are deducted daily from the unit price. This includes the cost of our inhouse contact centre, education. Before acting on this information or making an investment decision, you should consider your personal circumstances and read the relevant product disclosure statement which is available at. Administration fees are what we charge to keep the fund running and importantly for you growing. Member booklets and member booklet supplements member booklets. Consider this example showing how the fees you pay on your super can make a big difference to your super. You should consider all the information contained in this pds and the section a in detail booklet before making a decision about the anz australian staff superannuation scheme. Tax and super and insurance fees and other costs relating to insurance are set. Tax and super and insurance fees and other costs relating to.
Australiansuper select product disclosure statement. The government has temporarily changed minimum drawdown requirements for account based pension products the minimum required amount is 50% of what is listed in the current pds and other collateral, unless otherwise stated. Qsupers capped administration fee covers the general cost of managing your super. Information about fees and costs paid as a member of australiansuper select, including how and when they. This employee section section a in detail booklet is issued by anz staff superannuation australia pty limited abn 92 006 680 664 afsl 238 268 rsel l0000543, trustee of the anz australian staff. We work exclusively for you so our fees are among the most competitive youll find. You should assess your own financial situation and needs and read the relevant product disclosure statement before making a decision about products on this website. The indirect cost ratio icr for all investment options have been. Super saver australian services union dated 1 april 2020. The product disclosure statement refers to and incorporates the information set out in the additional booklets available below. Refer to the current product disclosure statement and fee brochure for. A product disclosure statement or pds is a document or sometimes a group of documents that contains information about a financial product, including any significant benefits and risks, the cost of. Public sector division insurance in your super guide pdf, 2.
Australia and new zealand banking group limited anz abn 11 005 357 522. Anz section a sfpds 19 august 2016 anz staff super. Macquarie super accumulator supplementary product disclosure statement. The majority of us will first be introduced to superannuation when we get our first new job and the. Within the additional explanation of fees and costs. Pds and other important information within australia. Each pds contains a number of references to additional important information contained in this. For people working for employers who provide tailored insurance arrangements as part of their employment benefits. This product disclosure statement pds provides a summary of significant information about the features, costs, benefits and risks involved in investing your. This product disclosure statement pds provides a summary of significant information about the fiducian superannuation service.
The information in this super additional information. Important documents relating to your super can be found here, such as pdss and members guides. The information in this super additional information booklet booklet forms part of the pds for the australian. The employer sponsors contributing into australiansuper select are ibm australia limited and its associated companies. The cost of managing your account is split into administration fees, investment fees, and indirect costs. It includes references to important information that forms part of the pds and is included in the additional information booklet issued 1 july 2019 and the insurance guide issued 1 july 2019. Select fact sheet accessing your super pdf, 756 kb select. You should consider the product disclosure statement before making any decision about your. Within the additional explanation of fees and costs section of the booklet, in the defined fees table, the table is deleted and replaced with. Ban on exit fees in super to reflect changes to legislation banning exit fees in super, the following changes are made to the pds and the booklet. Product disclosure statement super saver australian services union pds additional guides 2. Product disclosure statement mercer super australia. It includes the join tasplan super form but you can also join online. The information in this document is incorporated by reference into.
Financial planning advice is provided by first state super financial services pty limited abn 37 096 452 318 afsl no. Term deposit costs if term deposits are redeemed prior to their maturity date, our effective rate of interest will be reduced in. Product disclosure statements super, insurance, investments. The product disclosure statement for your super fund provides important information about the fund, including about the benefits, risks, fees and costs of investing in the fund. They detail product features, including benefits and risks, fees and your investment options. But we are committed to running things as if your money is our own. Other fees, such as activity fees, advice fees for personal advice and insurance fees, may also be charged, but these will depend on the nature of the activity, advice or insurance chosen by you. Jan 18, 2019 super fund product disclosure statement pds and application form update issued by diversa trustees limited, 18 january 2019 this update provides important information for prospective and existing super fund members on updated disclosure relating to fees payable to your adviser or your advisers licensee. As one of australias largest superannuation funds, we use our size and stability to keep costs down. The australian ethical financial services guide and managed funds pds should be considered before making an investment decision. You should also read the relevant product disclosure statement which is available on our website at. You should also consider obtaining financial, taxation and or legal advice which is tailored to your.
Taxes are set out in the member booklet supplement. Before applying for a panorama super account, it is. Super fund product disclosure statement pds and application. The information in this super additional information booklet booklet forms part of the pds for the australian ethical retail superannuation fund the fund dated 1 july 2019.
For both super and choice income accounts invested in the balanced option, the investment fee in the year ended 30 june 2019 was 0. Transfer your managed fund units to another person or transmitting a deceased estate to a beneficiary. Other fees you will also pay an australiansuper administration fee and investment fees for investment options that are managed by australiansuper for you e. Page 1 this pds is only for members of the individual section of the mercer smartsuper plan and is issued by. Product disclosure statements pdss and fact sheets contain the finer details about your superannuation product. In australia, ubs asset management offers a range of australian equities, international equities, property securities, fixed income and multiasset funds. About asgard employee super account information contained in the additional information booklet which is incorporated by reference into, and taken to be included in this pds 2. They use their size and strength to negotiate low fees and in order for profits to be returned to members, not shareholders. Important information about how superannuation works including income accounts, and more details of the fees and costs that. You can request a copy of this pds and the section a in detail booklet by calling anz staff super on 1800 000 086.
Australiansuper is run only to benefit members, offering low fees and strong longterm investment returns. If you want more information about these documents. You should consider the product disclosure statement. Insurance in your super how to open an account vision super saver product disclosure statement this statement was prepared on 1 april 2020 this product disclosure statement. It has been issued by club plus superannuation pty limited abn. About this booklet this booklet provides specific information for ibm employees and forms part of the product disclosure statement for australiansuper select prepared on 25 september 2017. A product disclosure statement or pds is a document or sometimes a group of documents that contains information about a financial product, including any significant benefits and risks, the cost of the financial product and the fees and charges that the financial product issuer may receive. This product disclosure statement pds is a summary of the significant information which you need to consider before making a decision about verve super. All documents will be available by 25th february 2020.
We dont charge setup fees or exit fees, we dont pay our advisers commissions, and we dont pay dividends to shareholders. The material in this document is incorporated into the pds. These fees are charged to cover the cost to us of managing your investments costs like external investment management fees, performance related fees, plus transactional and operational costs. The product disclosure statement for each fund pds is a summary of significant information about that fund. Below is a summary of our main fees for the balanced mysuper. Mercer employer super how your super works 1 about this booklet this how your super works booklet booklet provides important information about employer super in the corporate superannuation division of the mercer super trust and forms part of the employer super product disclosure statement. Tailored super plan investment and fee booklet before you start information regarding the tailored super plan usi 53226460365005 is contained in the product disclosure statement pds dated 1 july 2019 and the following booklets which each form part of the pds.
If you have any queries please call us on 1800 222 071 between 8am and 8pm aestaedt weekdays. These products are offered by first state super as a result of the successor fund transfer of the stateplus retirement fund to the first state superannuation scheme on 1 july 2019. Super financial services australia limited, trading as stateplus, abn 86 003 742 756, afsl no. You should consider all the information contained in this pds and the section a in detail booklet before making a decision about the anz australian staff. We are the industry super fund for workers in the timber, pulp and paper, furniture and joinery industries. The pension pds and transition to retirement pds are standalone pdss. Member booklet supplements for accumulation accounts. Mercer super trust documents mercer financial services. It should be read in conjunction with the product disclosure statement. Learn more about our fees and costs for super accounts and choice income accounts. This product disclosure statement pds provides a summary of significant information about the features, costs, benefits and risks involved in investing your superannuation in avsuper. Anz staff super employee section section a in detail. For people that are working for employers who provide income protection as part of their employment benefits.
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