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Table of contents
About ASIC’s Be MoneySmart ... 4
Overview ... 4
Purpose of the workbook ... 4
Audience ... 4
Unit of competency supported ... 4
Assessment ... 5
Recognition of prior learning (RPL) ... 5
Student resources required for this module ... 5
Module 3: Superannuation ... 6
Assessment activity 1: Saving for your retirement ... 7
Assessment activity 2: Comparing funds ... 8
Assessment activity 3: Checking your employer contributions ... 10
Assessment activity 4: Using the MoneySmart Super co-contribution calculator ... 11
Assessment activity 5a: Find lost super ... 12
Assessment activity 5b: Keep track of your super ... 13
Assessment activity 5c: Check your super statement ... 14
Assessment activity 5d: Consolidating your super ... 15
Assessment activities summary ... 17
Trainer/assessor templates ... 18
Competency record ... 18
Assessment record sheet ... 18
Supervisor/third party declaration ... 24
About ASIC’s Be MoneySmart
Overview
ASIC’s Be MoneySmart resource has five modules to help people develop the skills, knowledge and behaviours required to effectively manage their own personal finances.
Module 1 – Saving, budgeting and spending Module 2 – Personal tax
Module 3 – Superannuation Module 4 – Debt management Module 5 – Insurance
Each module comprises an online resource featuring the real-life stories of people who are working through the challenges of managing their finances. A Trainer/Assessor Guide and Student Workbooks support the modules.
You should refer to the copies of ASIC’s Be MoneySmart online modules provided by your training organisation, or alternatively they can be found on ASIC's MoneySmart website at
moneysmart.gov.au/teaching.
Purpose of the workbook
This workbook is designed to be used in conjunction with ASIC’s Be MoneySmart online modules. A teacher, trainer or workplace assessor can assess the completed activities.
Audience
These materials are designed for use by registered training organisations (RTOs) for vocational education and training (VET) delivery and assessment. They may be used as part of an Australian Apprenticeship, pre-apprenticeship or a pre-vocational program. However, they may also be used in workplaces, schools, adult and community learning organisations or even as an adjunct to the services provided by counselling and advisory organisations.
Unit of competency supported
These materials support the Be MoneySmart (FNSFLT301) unit of competency from the Financial Services Training Package (FNS). This unit describes the performance outcomes, skills and knowledge required to develop, maintain and enhance understanding of personal finance matters, including taxation, superannuation and insurance.
The Be MoneySmart unit is an elective unit within the Certificate III in Financial Services Training Package and can be imported for use in other training qualifications.
No licensing, legislative, regulatory or certification requirements apply to this unit at the time of publication.
Assessment
The assessment activities in this workbook relate to competency standards and are aligned with the Financial Services Training Package (FNS) according to information provided by the official National Register of Information on Training Packages, training.gov.au (TGA).
This workbook provides activities and advice to enable the student to supply the trainer/assessor with the evidence required to demonstrate competency in Be MoneySmart (FNSFLT301), including the ability to:
demonstrate knowledge of personal financial matters
set personal financial goals and access opportunities for mentoring or advice on them
access information to build on and maintain knowledge of factors affecting personal finances.
Once the student has completed the module and this workbook, they will need to arrange to complete the oral assessment questions.
Templates for the trainer/assessor and the student to sign at are the end of this workbook.
Recognition of prior learning (RPL)
Students can use the assessment activities in this workbook to identify their current competency and as evidence to support formal recognition of prior learning (RPL). Students might already have some or all of the skills required for this unit. If students believe they can demonstrate these skills, they should speak with their trainer/assessor about applying for skills recognition.
Student resources required for this module
Student Workbook
Computer and link to online module
ASIC’s MoneySmart Employer contributions calculator moneysmart.gov.au/tools-and- resources/calculators-and-tools/employer-contributions-calculator
ASIC’s MoneySmart Super co-contribution calculator moneysmart.gov.au/tools-and- resources/calculators-and-tools/super-co-contribution-calculator
ATO website ato.gov.au
Copies of a superannuation fund policy and product disclosure statement (PDS), statement of employer super contributions
Module 3: Superannuation
Time: 1 hour online and 2 hours Student Workbook
Tip:
Introduction to superannuation
So many Australians find out too late that they need more money for the retirement lifestyle they might want. By understanding superannuation you will have greater control over your finances. Superannuation or ‘super’ is a way to save for your retirement or when you are no longer working. The money comes from contributions made into your super fund by your employer and, ideally, is topped up by your own money. Start saving for your retirement early!
The longer you have to save, the more chance your savings have to grow.
For most people super will be taxed at a lower rate than a similar investment outside of a superannuation account. If you put your own after-tax money into super, you could receive a government co-contribution, depending on how much money you earn. If you earn up to
$37 000 you may also get a ‘low income super contribution’ of up to $500 from the government.
You will get this payment whether or not you add extra money to your super.
You may be able to get death, disability or income protection insurance through your super at a cheaper price than if you bought it outside of super. You will need to give some thought to how you want to be living your life when you are older. Don’t be caught out like John, who wished he had thought a bit more about his future when he was young!
You will need to work out how much it will cost you to live that lifestyle. Then you need to work out how much you need to put into super now to have that amount later. You may want to talk to a qualified financial planner to assist you with planning for your future.
Assessment activity 1: Saving for your retirement
Watch the videos at screens 2 and 3.
Your retirement income may be based on different sources of income including the age pension.
Saving for the level of retirement income that meets your needs and allows you to achieve your goals is something that depends on your circumstances and that you need to plan ahead for.
In the box below, list some goals you might like to achieve when you retire. For example, John wants to go fishing more often when he is no longer working. Sally, on the other hand, wants to travel overseas when she retires. Therefore, Sally will need more income because it costs more money to travel than to go fishing.
Notes
Tip:
Comparing superannuation funds
Most people can choose which super fund they’d like their super contributions paid into. If you want to choose your super fund, tell your employer by filling in a standard choice form from the ATO or from your employer.
In some cases your employer will decide which fund your super is paid into. If you don’t (or can’t) choose your super fund, your employer will put the money into a ‘default’ super fund, a fund nominated under an industrial award or by your employer.
Fund types include industry funds and retail funds. Some people choose to manage their own super through a self-managed super fund. Super funds have different features and charge different amounts to manage your money.
Assessment activity 2: Comparing funds
Watch the videos at screen 4.
Go to your fund’s MySuper dashboard and compare the information there to another fund’s MySuper option. Write comments in the table below.
Things to compare Your superannuation fund Other superannuation fund
Fees
What is the statement of fees for a $50 000 balance?
Investment risk What level of risk is this MySuper option? How many years in a 20-year period can you expect a negative return?
Performance
What is the ‘return target’? Has this fund achieved the target over the long term? (See 10- year comparison graph.)
Insurance
Does this super fund offer income protection insurance and life insurance? List the details.
Tip:
Employer superannuation contributions
For most employees, your employer must pay a percentage of your salary into your super fund account. This is called the super guarantee and it’s the law. The super guarantee is currently 9.5% (in 2015), gradually increasing to 12%.
You should receive the super guarantee if you are aged 18 or older and get paid $450 or more (before tax) per month. If you are under 18, you should get the super guarantee if you work more than 30 hours per week and earn over $450 per month.
It is important that you get paid what’s rightfully yours. The employer contributions are based on your ‘ordinary time earnings’. Ordinary time earnings are what employees earn from their ordinary hours of work including over-award payments, bonuses, commissions, allowances and certain paid leave.
Over the course of your working life, these contributions from your employer add up, or
‘accumulate’. Your super money is also invested by your super fund so it grows over time.
When you retire, you will have money to live off.
If you are self-employed, you are not required to pay yourself superannuation. However, it is still very important to think about growing your retirement savings and super can be a great, tax-effective way to do this. For self-employed people, your super contributions may be tax deductible.
The rules regarding your super entitlements are governed by the Superannuation Industry (Supervision) Act 1993. The Fair Work and Equal Opportunity legislation in your state or territory governs other rules regarding employee entitlements.
Assessment activity 3: Checking your employer contributions
Watch the videos at screen 4 again.
For this activity you will need to obtain a copy of your latest superannuation statement and product disclosure statement (PDS). Or alternatively, call your superannuation fund to obtain the necessary information to complete this activity.
Go to moneysmart.gov.au/tools-and-resources/calculators-and-tools/employer-contributions- calculator and use ASIC's MoneySmart Employer contributions calculator to help you work out the following:
What percentage of your salary should your employer be paying into a super fund?
Are you getting the right amount of super from your employer?
Tip:
Extra super contributions
You can make extra contributions to your super fund account by:
putting some of your savings into your super account
asking your employer to deduct extra money from your pay (either before tax or after tax is taken out, depending on your income) and paying this into your super account – before- tax super contributions are called salary sacrificing to super.
Personal contributions to your superannuation fund
Salary sacrificing
Salary sacrificing is when you ask your employer to redirect a portion of your pay as a contribution to super. By ‘sacrificing’ some of your before-tax salary and putting it into your super fund, your contribution will get taxed at the special rate of 15%. If you want to sacrifice some of your salary to super, you should enter into a formal agreement with your employer. These are known as concessional contributions.
After-tax contributions
After-tax contributions are known as non-concessional contributions. This is the simplest way to add to your super fund as you simply deposit your personal money into your super account. Contributions from your after-tax income don’t get taxed when your fund receives them because you have already paid tax.
Growing your super
Putting money into your super account early and often will grow your super over the long
Assessment activity 4: Using ASIC's MoneySmart Super co-contribution calculator
Watch the videos at screen 5.
If you put your own after-tax money into your super fund, you could receive a government
co-contribution, depending on how much you earn. The amount of co-contribution reduces as your income increases. Go to moneysmart.gov.au/tools-and-resources/calculators-and-tools/super-co- contribution-calculator and use ASIC's MoneySmart Super co-contribution calculator to help you work out:
if you are eligible for a co-contribution from the government
how much you can get if you are eligible.
Notes
Tip:
Co-contribution to your superannuation fund
You don’t need to apply for government co-contributions – the ATO will work out your eligibility and it will be paid directly into your super account. Make sure your super fund has your tax file number (TFN) so you don’t miss out on the payment. If you are eligible, you will receive the payment whether or not you lodge a tax return. However, if you don’t lodge a tax return the process can take up to 14 months.
Co-contributions to your superannuation fund Government
co-contributions
If you earn less than $49 488 per year (before tax) and make after-tax contributions, you are eligible to get matching contributions from the government.
If you earn less than $34 488 (before tax), the maximum
co-contribution is $500 based on $0.50 from the government for every
$1 you contribute. And just like that – you’ve made a 50% return on your money!
To receive the government co-contribution you will need to lodge a tax return for the year. The government will then work out how much you are entitled to. If you are eligible, the government will pay the co-contribution directly to your super fund.
Please note that the examples are current for the 2014–2015 financial year. Always check for the most up-to-date figures on the ATO website ato.gov.au.
Assessment activity 5a: Find lost super
Watch the videos at screen 6.
Have you kept track of all of your super? If you’ve ever changed your name, address, job, or done casual or part-time work, you may have lost track of some super. Go to the ATO’s quick online search to see if you have any lost or unclaimed super: ato.gov.au/Individuals/Super/In-detail/Lost-and- unclaimed-super.
Record briefly below if you have any lost super.
Notes
Assessment activity 5b: Keep track of your super
Watch the videos at screen 6 again.
You can also register for the ATO’s online services and use the SuperSeeker tool to check your super accounts, find lost super, find ATO-held super, or transfer your super to the super fund you want.
Registering online with the ATO will help protect the personal information displayed and ensure that you are the only one who makes any transactions.
Go to ato.gov.au/Super/Sup/Finding-your-lost-and-unclaimed-super.
Record briefly below if you registered for SuperSeeker.
Notes
Assessment activity 5c: Check your super statement
Watch the videos at screen 6 again.
Getting your annual super statement is a trigger to do a quick review of your super. Whether you receive your statement by post, online or in an email, don’t neglect or delete it.
For this activity you will need to obtain a copy of your latest super statement. Or alternatively, call your super fund to obtain the necessary information to complete this activity.
Take a copy of your latest super statement and check the following details. Note any changes you might wish to make below the table.
Balances Check the balance at the start and end of the year. If the balance looks wrong or you’re just not sure, contact your super fund straight away.
Employer’s payments Make sure you received your entire super from your employer.
Extra contributions Be sure any extra money you paid into your super account is included.
Fees Make sure you’re not overpaying because that can really eat away at your super over time. If you’re not happy with the fees you’re paying, consider changing super funds.
Insurance Check you are covered for the right amount of insurance through super.
This may include death, disability, and income protection insurance.
Tax Ensure you are being taxed at the correct rate for contributions. For employer and salary-sacrificed contributions this is 15%.
Investments Make sure you’re keeping track of the investment options you chose and all returns are being credited to your account. Returns could be positive or negative.
Notes
Tip:
Ask for an explanation If you don’t understand the statement or think there is an error,
Assessment activity 5d: Consolidating your super
Watch the videos at screen 6 again.
How many super statements did you receive this year? Do you find it hard to keep track of your super accounts? You’re not alone. Many people have this problem! Consider combining any unnecessary super accounts.
To consolidate your super, you can log into the ATO’s free online SuperSeeker search tool. Go to ato.gov.au/Super/Sup/Finding-your-lost-and-unclaimed-super.
Alternatively, you can download the ATO’s ‘Request to transfer whole balance of superannuation benefits between funds’ form at ato.gov.au/Forms/Rollover-initiation-request-to-transfer-whole- balance-of-superannuation-benefits-between-funds. This is also known as the ‘portability’ form.
Record briefly if you need to consolidate your super funds and how you will do this.
Notes
Tip:
Benefits of combining accounts
To manage your super more easily and save costs, consider combining small accounts into a single fund. The benefits of putting several small super fund accounts into one account are to:
save costs by paying only one set of fees
reduce your paperwork
make it easier to keep track of your super.
Before you consolidate your super accounts, take a look at a copy of your super fund PDS and check:
if you have to pay any termination fees
if you will lose any insurance benefits
that the fund you are consolidating into has all the services you need
that you are choosing a fund with low fees and good returns.
Consolidating your small super fund accounts takes a little bit of effort in the short term but will reward you in the long term. Feel in control and watch your super grow!
Remember that the fund with the biggest balance may not be the best one for you. So do some research before combining accounts.
Assessment activities summary
Comments
Trainers or assessors should use this template to record details of any issues/feedback they wish to provide to the student in relation to their responses to the assessment activities.
Alternatively they can record feedback next to the appropriate activity in the body of the Student Workbook.
I declare that completion of the assessment activities in this Student Workbook is my own work.*
* Students need to arrange for this Student Workbook to be submitted to their trainer/assessor for signing.
... ... ...
Student name Student signature Date
... ... ...
Trainer/assessor name Trainer/assessor signature Date
Trainer/assessor templates
Competency record
After assessment the competency record should be completed and signed by the student,
trainer/assessor and the supervisor. If competency is not achieved at the first attempt, strategies to address gaps in performance need to be identified and a time for reassessment arranged.
Assessment record sheet
FNSFLT301 Be MoneySmart
Element Performance criteria Evidence provided/
observed/context
Initial and date 1. Demonstrate an
understanding of personal financial matters
1.1 Determine how career choice, education and skills affect income and goal attainment
Module 1: A3, Q2
1.2 Identify short- and long-term financial goals
Module 1: A3, Q2, Q6
1.3 Identify tax matters relating to personal income
Module 2: A1a, A1b, A2a, A2b, A3, Q1, Q2, Q3, Q4, Q5, Q6, Q7 1.4 Evaluate impact of
consumer and
financial behaviour on personal spending
Module 1: A1, A2, Q5 Module 4: A2b
1.5 Evaluate how insurance and other risk-management strategies protect against financial loss
Module 5: A1a, A1b, A2a, A2b, A2c, A3, Q1, Q2, Q3, Q4, Q5, Q6
1.6 Identify the components of superannuation relevant to individual income earners
Module 3: A1, A2, A3a, A3b, A4a, A4b, A4c, A5, Q1, Q2, Q3, Q4, Q5, Q6
2. Manage personal finances
2.1 Compare the benefits and costs of alternatives in
Module 4: A1, A2a, A4, Q3, Q4
Element Performance criteria Evidence provided/
observed/context
Initial and date 2.3 Make personal
financial choices based on logical decision-making
Module 1: A4a, A5, A6, Q4
Module 3: Q2
Module 4: A2a, A2b, A4, A5
2.4 Evaluate the consequences of personal financial decisions, including contracts
Module 4: A2a, A4, Q2, Q4
2.5 Develop methods and systems (including electronic) to stay in control of personal cash flow, spending and use of debt
Module 1: A4a, A5, Q1 Module 2: A1a
Module 4: A5, Q5
3. Build knowledge of personal financial matters
3.1 Explore and evaluate factors that affect personal credit worthiness
Module 4: A2b, A3a, Q1
3.2 Seek advice from a specialist or mentor where required
Module 1: A1, Q5 Module 2: A1b, A2b, A3
3.3 Develop systems for maintaining up-to-date knowledge about personal finances and career opportunities to achieve goals
Module 1: Q5 Module 3: Q5
3.4 Identify reliable sources of ongoing information relevant to personal career and financial goals
Module 1: Q5 Module 4: A5
Critical aspects for assessment Evidence provided/
observed/context
Initial and date
Evidence of the ability to demonstrate knowledge of personal financial matters
Module 1: A1, A2, A4a, A4b Module 2: A2a, A2b
Module 3: A3a, A4 Module 4: A4, A5, OA Module 5: A1a, A1b, A3
Critical aspects for assessment Evidence provided/
observed/context
Initial and date
Evidence of the ability to set personal financial goals and access
opportunities for mentoring or advice on them
Module 1: A3, Q2, Q6 Module 3: A1
Evidence of the ability to access information to build on and maintain knowledge of factors affecting personal finances
Module 1: A4a, A5, A6, Q5 Module 2: A3, A4
Module 3: A2, A3a, A3b, A4a, A4b, A5, Q5
Module 4: A1, A2a, A2b, A3a, A3b, A5
Module 5: A1a, A2a, A2b, A2c, A3
Required skills Evidence provided/
observed/context
Initial and date
Numeracy and technology skills to:
Calculate interest and loan repayments and surplus or deficit funds
Module 4: A1, A2b, A3a
Use a calculator, budget and loan calculator tools
Module 1: A4a, A5 Module 2: A2b, Q6, Q7 Module 3: A3a, A3b, Q6 Module 4: A1, A2a, A2b, A3a Module 5: A2a, A2b
Use internet information Module 1: A4a, A5, A6 Module 2: A3, A4
Module 3: A2, A3a, A3b, A4a, A4b, A5, Q5
Module 4: A1, A2a, A2b, A3a, A3b, A5
Module 5: A1a, A2a, A2b, A2c, A3 Implement safe e-security practices for
online banking and transactions
Module 1: A5
Self-management skills to:
Required skills Evidence provided/
observed/context
Initial and date
achieve financial goals Module 4: A2b Learning skills to maintain knowledge
of budgeting
and saving techniques
Module 1: A4a, A5, A6 Module 4: A2b
Required knowledge Evidence provided/
observed/context
Initial and date Debt management:
Responsible use of credit Module 4: A2a, A3a, Q3
Advantages of debit cards Module 1: Q1
Module 4: A2a, A2b, Q5
Consequences of debt default Module 4: A3a, A5, Q4
Attitude towards credit and spending Module 1: A1 Module 4: A4 Options for debt repayment:
VET Fee-Help Module 4: A2a
Personal loans and payment plans Module 4: A1, A2a, A3a, A4, Q3
Employee entitlements under:
Fair Work Act Module 3: A3
Equal opportunity legislation Module 3: A3
Superannuation Act Module 3: A3
Income Tax Assessment Act Module 2: A3
Taxation Administration Act Module 2: A3
Credit history and saving:
How to establish and maintain a good credit history Module 4: A3a, A4, A5, OA, Q1
Importance of saving money as a concept to assist and improve life situation
Module 1: A5 Module 4: A2b, A4 Insurance matters:
Value of insurance Module 5: A1a, A1b,
A2a, A2b, A2c, A3, Q5, Q6
Required knowledge Evidence provided/
observed/context
Initial and date Suitable insurance covers:
Personal income Module 3: A2, A4c
Module 5: A3 Trade tools, including mobile phone Module 5: A3, Q6
House Module 5: A2a, A2b, A2c
Car Module 5: A1a, A1b, Q5
Health Module 5: A3, Q4
Personal implications of taxation matters:
Role of the Australian Taxation Office and why we pay tax on income
Module 2: A2a, A3
Personal tax liabilities and allowable deductions Module 2: A2a, A2b, A4, Q1, Q2, Q3, Q4
Tax rates Module 2: A2a, Q3
Lodgement dates Module 2: A3, Q5
Awareness of goods and services tax (GST), pay as you go (PAYG), Australian business number (ABN), tax file number (TFN) and business activity statements (BAS)
Module 2: A4
Principles of budgeting, cash flow and saving, including:
Role of credit and savings in establishing personal wealth
Module 1: A4a
Module 4: A2b, Q2, Q3, Q4, Q5
Understanding of financial institutions and their savings, investment and credit products
Module 1: A5, A6 Module 4: A2a, A2b, A3b, A4
Personal financial aspects of:
Bank accounts:
Savings Module 1: A5
Module 4: A2b
Credit Module 4: A2b, A3b, Q2,
Required knowledge Evidence provided/
observed/context
Initial and date
Health Module 5: A3, Q4
Car Module 5: A1a, A1b, Q5
Phone Module 5: A3, Q6
Warranty Module 5: A3
Tools Module 5: A3
Household Module 5: A2a, A2b,
A2c, Q3
Income protection Module 3: A2, A4c
Module 5: A3 Superannuation:
Types of funds – retail versus industry Module 3: A2 Fund options – death or total and permanent disability
(TPD) insurance
Module 3: A1, A2
Contracts:
Phones Module 4: Q1
Data Module 4: A5
Tenancy Module 4: A5
Finance Module 4: Q2
Superannuation matters:
Planning for the future Module 3: A1
Power of compound interest Module 3: A3a, Q4
Module 4: A2b
Superannuation guarantee Module 3: A3a, Q1, Q6
Co-contributions Module 3: A3a, A3b
Personal contributions Module 3: A3a, A3b, Q2,
Q3
Fees and charges Module 3: A1
Value of consolidating super funds Module 3: A5
Locating lost super Module 3: A4a, A4b, Q5
Supervisor/third party declaration
I confirm that I have observed the student perform the tasks associated with the elements, performance criteria, critical aspects for assessment and required skills and knowledge for this unit efficiently and consistently over the allocated timeframe.
... ... ...
Supervisor/third party name Supervisor/third party signature Date
Assessor declaration
I confirm that I have observed the student demonstrate the skills associated with the elements, performance criteria, critical aspects for assessment and required skills and knowledge for this unit competently.
... ... ...
Assessor name Assessor signature Date
Student*
...
Student name
* Students need to arrange for this Student Workbook to be submitted to their trainer/assessor for signing.
ASIC’s MoneySmart Teaching initiative builds the consumer and financial literacy capabilities of young Australians by developing knowledge, skills, values and behaviours to enable them
