Jul 01, 2019 provided in the australian ethical super product disclosure statement pds. For people working for employers who provide tailored insurance arrangements as part of their employment benefits. Product disclosure statements super, insurance, investments. Within the additional explanation of fees and costs. Hesta personal super product disclosure statement issued 1 april 2020. 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. Each pds contains a number of references to additional important information contained in this. This product disclosure statement pds is a summary of the significant information which you need to consider before making a decision about verve super. Information about fees and costs paid as a member of australiansuper select, including how and when they. The total fees and any other applicable fees are deducted daily from the unit price. Our fees cover the costs of managing your account and investments. In the case of any inconsistency with this pds and the club plus super. It should be read in conjunction with the product disclosure statement.
Product disclosure statement super saver australian services union pds additional guides 2. You can request a copy of this pds and the rba section in detail booklet by calling anz staff super. They use their size and strength to negotiate low fees and in order for profits to be returned to members, not shareholders. Product disclosure statements pds help you make informed decisions about our super and retirement 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 majority of us will first be introduced to superannuation when we get our first new job and the. 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. This product disclosure statement pds provides a summary of significant information about the features, costs, benefits and risks involved in investing your. 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. Tasplan super guide this is a summary of significant information members need to know about becoming a member of tasplan super. The pension pds and transition to retirement pds are standalone pdss. The australian ethical financial services guide and managed funds pds should be considered before making an investment decision. If you work for a federal, state or territory government employer through a. Administration fees are what we charge to keep the fund running and importantly for you growing.
Welcome to first super and this product disclosure statement pds. 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. Changes occur in superannuation on a regular basis and information in our member booklets product disclosure statements and member booklet. We work exclusively for you so our fees are among the most competitive youll find. 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. The employer sponsors contributing into australiansuper select are ibm australia limited and its associated companies.
Tax and super and insurance fees and other costs relating to. In 2019, chant west awarded unisuper super fund of the year, investments. Some member forms should be completed using your online account. Member booklet supplements for accumulation accounts. Before deciding to take on a super fund, we recommend that you and your employee read the pds and relevant fact sheets. Retained benefit account rba section anz staff super. 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. 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. The material in this document is incorporated into the pds. This is the guide for most members, including those in our australiansuper plan, ghd superannuation plan, personal plan, super options or super only. 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. Taxes are set out in the member booklet supplement.
The information in this document is incorporated by reference into. Updating the information in the superwrap product disclosure. The indirect cost ratio icr for all investment options have been. Anz staff super employee section section a in detail. Within the additional explanation of fees and costs section of the booklet, in the defined fees table, the table is deleted and replaced with. Page 1 this pds is only for members of the individual section of the mercer smartsuper plan and is issued by. Super saver australian services union dated 1 april 2020. This product disclosure statement pds is a summary of the significant information which you need to consider before making a decision about future super. It has been issued by club plus superannuation pty limited abn. 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 should also read the relevant product disclosure statement which is available on our website at. It should be read in conjunction with the product disclosure statement pds that applies to your unisuper membership category.
You should consider the product disclosure statement before making any decision about your. The following fact sheets provide supplementary information to the product disclosure statement pds. Important information the information in this additional guide guide is a summary only and forms part of the 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. 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. 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. 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. Sunsuper for life pds and membership application form. If you want more information about these documents. 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.
Super fees are low and simple to understand with 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 superannuation scheme. Our account based pension helps you turn your super into a regular income in retirement. We are the industry super fund for workers in the timber, pulp and paper, furniture and joinery industries.
About first state super personal members about first state super employer sponsored, police blue ribbon. Booklet this document is part 3 of the additional information booklet for asgard employee super account asgard employee super. Consider this example showing how the fees you pay on your super can make a big difference to your super. 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. As one of australias largest superannuation funds, we use our size and stability to keep costs down. 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. Macquarie super accumulator supplementary product disclosure statement. The information in this booklet forms part of the product disclosure statement for australiansuper select prepared on 1 april 2020. Select fact sheet accessing your super pdf, 756 kb select. This includes the cost of our inhouse contact centre, education. Refer to the current product disclosure statement and fee brochure for. Your fees go directly towards the costs of managing your investments and providing great member.
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. The investment fee and indirect cost ratio are based on the fees and costs for the financial year ended 30 june 2019. Learn more about our fees and costs for super accounts and choice income accounts. Below is a summary of our main fees for the balanced mysuper. Anz section a sfpds 19 august 2016 anz staff super. 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. The information in this super additional information booklet booklet forms part of the pds for the australian. Fees for the mysuper balanced option are lower than the industry average. Transfer your managed fund units to another person or transmitting a deceased estate to a beneficiary. For people that are working for employers who provide income protection as part of their employment benefits. These will help you understand important information related to the features, fees and your options. Member guide for accumulate plus product disclosure statement pds preparation date. Important documents relating to your super can be found here, such as pdss and members guides.
You can request a copy of this pds and the section a in detail booklet by calling anz staff super on 1800 000 086. Updates to the zurich superannuation plan and zurich accountbased pension pds and investment option booklet. 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. 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. A summary of the important information you need about your sunsuper account, including insurance and fees. The product disclosure statement for each fund pds is a summary of significant information about that fund. You should also consider obtaining financial, taxation and or legal advice which is tailored to your. Telstrasuper offers competitive administration fees and investment fees, plus with telstrasuper there are no entry fees, exit fees or commissions. Before applying for a panorama super account, it is.
Tax and super and insurance fees and other costs relating to insurance are set. Jan 15, 2018 what fees do australian super funds charge. Booklets member booklet, investment booklet and insurance booklet and copies of pds updates at. 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 product disclosure statement pds provides a summary of significant information about the fiducian superannuation service. Product disclosure statements pds and member guides. Trustee of australiansuper abn 65 714 394 898 usi sta0100au. Below youll find the forms and publications that can help you make the most of your australiansuper select account. Theres details about everything from how super works, to how we invest your money, how super is taxed, and associated fees and insurance. 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.
Mercer super trust documents mercer financial services. You may request a copy of any updated material free of charge by contacting us. 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. Product disclosure statements pdss and fact sheets contain the finer details about your superannuation product. Employer sponsored, personal, police blue ribbon super, and ambulance officers super dated 1 october 2019. 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. All documents will be available by 25th february 2020. The information in this pension additional information. Important information about how superannuation works including income accounts, and more details of the fees and costs that. 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. Here we outline some common superannuation fees and charges that you might be charged on your superannuation account. The information in this super additional information. The cost of managing your account is split into administration fees, investment fees, and indirect costs.
The product disclosure statement refers to and incorporates the information set out in the additional booklets available below. Qsupers capped administration fee covers the general cost of managing your super. Australiansuper is run only to benefit members, offering low fees and strong longterm investment returns. 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. 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. In australia, ubs asset management offers a range of australian equities, international equities, property securities, fixed income and multiasset funds.
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. Super fund product disclosure statement pds and application. Information in this document may change from time to time. 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. 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. But we are committed to running things as if your money is our own. Public sector division insurance in your super guide pdf, 2.
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. Product disclosure statement mercer super australia. Update your contact details or bank account details, or switch to being an electronic investor. Member booklets and member booklet supplements member booklets.
Learn more about our fees and costs for super accounts and. It is specific to employees of ibm australia limited and its associated companies, as the contributing employer. Australiansuper select product disclosure statement. We calculate and take the fees out before we declare the unit price, every working day. Anz smart choice super for employers and their employees. 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. 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.
Australia and new zealand banking group limited anz abn 11 005 357 522. You should consider the product disclosure statement. Financial planning advice is provided by first state super financial services pty limited abn 37 096 452 318 afsl no. They detail product features, including benefits and risks, fees and your investment options. Other fees you will also pay an australiansuper administration fee and investment fees for investment options that are managed by australiansuper for you e. Pds and other important information within australia. It includes the join tasplan super form but you can also join online. Investment strategies bt super invest provides a range of diversified, sectorspecific and direct.
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