Important things to know about choice income australiansuper. Superannuation is a financial product, and as a financial product is requires the statement of disclosure regarding the product. To download the pds from australiansuper click here more about australiansuper. The pension pds and transition to retirement pds are standalone pdss where the information is not considered materially adverse, our pdss may be updated by providing you with the new information in the section pds. This pds contains information about your accumulation 1 account and membership.
Clearview lif e nominees pty limit ed is the trust ee of the plan. Superannuation may sound complex but it is really just the money you put away for your retirement. Retirement solutions are products designed for you if youre preparing for retirement retirement solutions transition to retirement if youve already retired retirement solutions income stream. Retirement income stream members first state super. View personal details, account summary, transaction history and investment performance. Illustrates the effect of variable factors such as superannuation contributions, investment returns and retirement income have on how much super you may have at retirement and how long it may last you. Australiansuper indexed diversified managed fund profile. About this product disclosure statement this product disclosure statement pds is a summary of significant information and contains a number of references to important information each of which forms part of the pds. An account based pension or pension fund is another option to withdrawing super as a lump sum, when you retire or reach preservation age. This is the guide for most members, including those in our australiansuper plan, ghd superannuation plan, personal plan, super options or super only. Except as outlined in this spds, the pds is unchanged.
This document together with the fact sheets detailed below make up the lgs retirement scheme pds. View your personal details, account summary, transaction history and investment performance. The hostplus product disclosure statement pds contains all of the information you need to get the most from your super. Superannuation and retirement income wealthsolutions is offered through the clearview retirement plan the plan, which is a complying superannuation super fund. Australian catholic superannuation and retirement fund employer sponsored, personal plan, mysuper, retirechoice pds 01 october 2015 margin fees. Product disclosure statements for financial products offered through investsmart can be downloaded from this website or obtained by contacting 0 880 160. The incorporated by reference materials form part of the pds and you should also read these documents. Detailed information about the simulators assumptions and inputs is available once you start using the simulator simply click view in the menu bar and select more information. The extra time spent in the workforce increases the superannuation that the person accumulates.
Aug 19, 20 a mandatory retirement saving program known as the super short for superannuation guarantee this is the lynchpin to australias retirement system. To invest directly in any of schroders funds please read the relevant fund product disclosure statement pds and the accompanying additional information book before completing the application form. Youll find all the important information you need to know about our products in our product disclosure statements pds. Australiansuper financial services melbourne, victoria 26,567 followers were the largest industry super fund in australia for one simple reason. The list of funds is sourced from apra and reflects information as at 30 june 2019. Register for online access australian catholic superannuation. Virgin money super product disclosure statement 1 january 2020 a plan in the mercer super trust this pds and the guides that form part of this pds are issued by mercer superannuation australia. For the safety of our employees and members, all face to face meetings and seminars have been cancelled and our office is closed to the public. Dynamics of the australian superannuation system the next 20 years. Unisys australian superannuation plans pds product.
Income streams are suitable if you are looking for a transition to retirement or retirement income stream account, as you approach retirement or. We also offer retirement income products for when you prepare for, and move into, retirement. Superannuation is a means of saving for retirement which is, in part, compulsory. Dynamics of the australian superannuation system the next 20. These are lessons he hopes others, particularly those approaching retirement.
Fees for the mysuper balanced option are lower than the industry average across all. 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. Wa super retirement solutions product disclosure statement. Australiansuper doesnt have any defined benefits schemes or noncommutable pensions, but you may have one with another fund. At the same time the period spent in retirement is reduced by the extra time working. The money that is held for you within a superannuation fund is invested in a range of assets.
Before you make an investment decision it is recommended you obtain professional financial advice from your financial adviser tailored to your personal circumstances. Member booklet product disclosure statement dated 1 april 2020 the pds and must be read together with the pds. Under certain difficult circumstances, you may be able to access your superannuation to assist you with your situation. A plan designed to help you reach financial independence in retirement. Equip offers a range of insurance services, and complimentary benefits from partners like covermore. Rest super product disclosure statement pds and forms. The nine sections provide full details about all our products and services and are designed to accompany the product disclosure statement pds. Important things to know about choice income product disclosure statement combined financial services guide and product disclosure statement 08 april 2020 issued by australiansuper pty ltd. This pds provides a summary of significant information you should consider before investing in this product.
Australiansuper choice income account was nominated as a finalist for the 2020 pension of the year award. Retirement income calculator qsuper superannuation fund. Theres details about everything from how super works, to how we invest your money, how super is taxed, and associated fees and insurance. Product disclosure statements the information contained in this list is general information only and does not take into account your personal objectives, financial situation andor needs. 15,000 employers who already benefit from our low fees, strong investment performance, choice. Retirement is a whole new chapter in life and its important for your clients to think about how theyll make the most of it. Product disclosure statements advance is the issuer of interests in the advance investment funds and asgard is the issuer of the interests in the advance super products.
Before deciding whether to acquire, or continue to hold, an investment in an advance fund or product, you should consider the relevant product disclosure statement for that. Product disclosure statements for options, foreign exchange swaps, spots and forwards. Once youve chosen a retirement product, we encourage you to choose how your nestegg is invested. Our income account won money magazines best balanced pension product for 2020. Australiansuper balanced managed fund profile eureka.
Detailed information about each account can be found in the relevant guide. It has references to information sheets that contain important information, and are part of this pds, and fact sheets that have additional information. You should assess your own financial situation and needs and read the relevant product disclosure statement before making a decision about products on this. Member guide for retirement access product disclosure statement pds preparation date. Whether retirement is just around the corner, or still a few years away, we can help you get the most out of your super start your retirement journey with us be part of a topten performing fund that more than two million australians trust with their retirement savings. Public sector superannuation scheme pss department of finance. Whether its financial advice, investments or retirement, we have tools to help you. Product disclosure statements pds and member guides. The following fact sheets containing further information on the topics covered in this pds are available at. Australiansuper choice income account pension ratecity. Important things to know about ttr income australiansuper. Attending seminars got ali on track with retirement planning.
Benefits of investing with first super most working australians rely on their super savings in retirement. Important documents relating to your super can be found here, such as pdss and members guides. Income account guide 581kb, pdf this guide explains how you can use the account to provide you with a regular income as you transition or move into retirement. Important things to know about choice income product disclosure statement combined financial services guide and product disclosure statement 08 april 2020 issued by australiansuper pty ltd abn 94 006 457 987 afsl 233788 trustee of australiansuper abn 65 714 394 898 usi sta0002au 2650 lonsdale st, melbourne vic 3000.
Australian catholic superannuation and retirement fund. The pss, a defined benefits scheme, closed to new australian government employees and office holders with effect from 1 july 2005. Wealthsolutions offers the following account types. To print or download a copy of the pds you can download it here. A summary of the important information you need about your sunsuper account, including insurance and fees. If you have an apple device, update your ios software to take advantage of the australiansuper mobile apps most.
For retirement access super product identification number spin. And whilst everyones idea of retirement is unique, living your ideal lifestyle in retirement involves careful planningand doing so may be the difference in being mentally and financially prepared for retirement whenever that. Prime super s super division is open to anyone who is able to choose their super fund, while the health division is specifically for those employed in the health, aged care and related industries. It provides a summary of significant information and contains a number of references to important information each of which forms part of the pds. There are two ways you can start transitioning to retirement. This is the product disclosure statement pds for ngs super accumulation, transition to retirement and income accounts. These include thinking about your dream retirement, how long it might last, what it will cost, how much you need to fund it, how much you have now, whether your savings are on track and what you can do to close the gap. 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 number sfn. Australiansupers pds product disclosure statement download. Feb 24, 2020 australiansuper income protection insurance pays a portion of your regular wage while you are unable to work because of an illness, injury or accident. Most australian employers are required by government legislation to contribute 9. Superannuation is the portion of your earnings and savings that is placed in a fund to be held in trust until your retirement.
This product disclosure statement pds summarises important information about investing with mine super. Important information about how superannuation works including. Managed australian retirement fund is required to provide a product disclosure statement to ensure that each customers understands how their superannuation works. One of the largest superannuation funds in australia offering members low fees, financial planning services and retirement. Important things to know about your super australiansuper. Super, retirement and financial planning first state super. Wa super retirement solutions product disclosure statement wa super retirement solutions product disclosure statement v15. We have a strong heritage in the superannuation industry, trusted as a reliable provider of retirement benefits to members for over 85 years. Learn more about the different types of super funds. Planning your retirement its never too early or too late to think about your life after you finish working.
Unisys australian superannuation plan is required to provide. In some limited instances, employees commencing new employment are required or allowed to be members. Managed australian retirement funds pds product disclosure. Virgin money super product disclosure statement update. Attending seminars got ali on track with retirement planning the impact of the 2008 global financial crisis inspired ali to get informed and take control of his retirement preparations. Can i access my funds for reasons other than retirement. Important documents relating to your super can be found here, such as pds s and members guides. If youre not yet a member, open an account here, then register for online access. Qsupers member online is a webbased superannuation administration portal owned by the qsuper board abn 32 125 059 006 afsl 489650 the board as trustee for qsuper abn 60 905 115 063 the fund. In this section we outline how to start planning for retirement in seven easy steps. Low rate credit cards credit card reward programs bad credit credit cards.
Industry superfund logo used with the permission of industry fund services ifs. The pss is established under the superannuation act 1990 and the public sector superannuation scheme trust deed. Use your member number to register for online access. If you wish to withdraw your superannuation benefits, please contact our member services team on 0 658 776 to obtain the required documentation. Our account based pension helps you turn your super into a regular income in retirement. Online application forms pds institutions schroders. Learn more about your online account and get tips to keep your account secure. Important information about the fund and the trustee, including trustee and executive remuneration, is available on our website at. This is essentially every fund except for smsfs and small apra funds.
Whether its a long way off or just around the corner, zurich offers flexible solutions to help you plan for and enjoy your retirement. Commonwealth bank officers superannuation corporation pty limited abn 76 074 519 798, afsl 246418, trustee of commonwealth bank group super abn 24 248 426 878. We would like to show you a description here but the site wont allow us. Australiansuper pension stable managed fund profile. Australiansuper pty ltd abn 94 006 457 987, afsl 233788, trustee of australiansuper abn 65 714 394 898. The product disclosure statement is an introduction to the features of the accumulation and income accounts. 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. Product disclosure statements for superannuation and managed fund products. 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. The objective of superannuation is to provide income in retirement that substitutes or supplements the australian age pension.
Includes investment options to suit all risk profiles as well as award winning insurance. Triple s is the super scheme for sa public sector employees. By transferring money from your super to an account based pension like our choice income account, you can draw regular income payments taxfree, while your balance stays invested. This product disclosure statement pds is a summary of significant information and contains a number of.
Apr 01, 2020 to help you better understand what super funds are available, on this page you can find a list of all super funds that are regulated by apra. By transferring money from your super to an account based. Hostplus product disclosure statement pds download. Before making any investment decision, you should refer to the relevant australian catholic superannuation product disclosure statement pds, a copy of which is available on our website or by calling 0 658 776. 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.
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