A simple and easy
solution for life!
Low fees
Strong performance
MySuper approved
Sunsuper
for life
Product Disclosure Statement
Preparation date: 9June 2015Your money in
Sunsuper for life
Super-savings account
Income account
Working life Contributions go into your account
Transition to retirement Boost your income while
you are still working
Retirement Regular income when
you have retired
SAV I N G F O R Y O U R F U T U R E SAVI NG FO R YOU R FUTURE SAV I N G F O R Y O U R F U T U R E MONEY PAID TO YO U IN RE TIR EM ENT
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About Sunsuper
We’re one of Australia’s largest and fastest growing super funds. We’ve been taking care of our members’ superannuation since 1987 and, as at May 2015, we managed $33 billion in retirement savings for more than one million Australians. Our profit-for-members philosophy means our members can take advantage of low fees and a broad range of services designed purely for their benefit.
Our MySuper Product Dashboard is designed to help you better understand the investment returns, risks and fees for Sunsuper’s MySuper – approved Lifecycle Investment Strategy. Use this dashboard to compare this investment option with other MySuper products. To view our MySuper dashboard visit sunsuper.com.au/dashboard. You can access information about Sunsuper’s executive remuneration and other required information at sunsuper.com.au/prescribedinformation
Sunsuper for life
A super solution that will help you manage your super from your very first day of work and throughout your retirement. No matter what your stage in life, Sunsuper for life aims to meet your super needs.
ABOUT SUNSUPER FOR LIFE
Important information and general advice disclaimer
This is the Sunsuper for life Product Disclosure Statement (PDS). This PDS provides a summary of the significant information about Sunsuper for life. Other important information is contained in the Sunsuper for life guide, the Sunsuper for life Insurance guide and the Sunsuper for life Investment guide. References to important information contained in the guides are indicated by in this PDS. The information in the guides forms part of this PDS. You should consider the information in this PDS and the guides before making a decision to acquire or continue to hold this product. The information in the PDS and the guides is general information only and doesn’t take into account your personal objectives, financial situation or needs. You should consider the appropriateness of any general information in the PDS and the guides having regard to your own personal objectives, financial situation and needs. You should obtain financial advice tailored to your personal circumstances. Call us if you would like to speak with one of our qualified financial planners.
Financial Services Guide (FSG)
Visit sunsuper.com.au/fsg or call us on 13 11 84 for a copy of the FSG which provides you with information about the financial services Sunsuper Pty Ltd provides and will help you decide whether to use these services.
Contents
Page 1 About Sunsuper for life 2 2 How super works 3 3 Benefits of investingwith Sunsuper for life 4
4 Risks of super 5 5 How we invest your money 6 6 Fees and costs 8 7 How super is taxed 10 8 Insurance in your super 11 9 How to open an account 14 10 Additional information 15
Here’s how Sunsuper for life works:
Accounts to suit your stage in life
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Easy choice of investments
You can either leave the investment choice to us or you can choose from our full range of investment options consisting of diversified and single asset class options.
If you do not make a choice, your money will be invested in the:
• Lifecycle Investment Strategy (Lifecycle Strategy) for a Super-savings account, • Retirement option for an Income account.
You can change your investment option via Member Online or by completing an Investment choice form.
The Lifecycle Strategy is Sunsuper’s MySuper Investment option.
Flexible insurance protection
We offer flexible insurance arrangements within your Super-savings account at competitive prices to help protect you and your family.
Cover types Death Total and Permanent Disability (TPD) Income Protection (IP)
Member-centric service and advice
At Sunsuper our members are at the centre of everything we do. Whether in person, over the phone or online, our award-winning service is designed and delivered to meet your needs. We can help you get the advice you need.
HOW SUPER WORKS
Superannuation
Super is in part a compulsory investment designed to help people save for their retirement. Most people have the right to choose the fund that they would like their employer to pay their super into. The government also provides tax concessions, making super a tax-effective way of saving for retirement.
Contributions
Contributions to super can include Superannuation Guarantee (SG) contributions by your employer, voluntary contributions paid by you, spouse contributions and government co-contributions. Legislation imposes caps (or limits) on the amount you can contribute and if you exceed the caps, additional tax may apply.
Withdrawals
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HOW SUPER WORKS
(continued)
BENEFITS OF INVESTING WITH SUNSUPER FOR LIFE
Sunsuper for life
Many people want a super fund that offers strong long-term returns, low fees, insurance cover and an impressive track record. A fund they can trust to look after their super and retirement needs to help make their dreams a reality.
Sunsuper for life — a simple and easy solution for life
You can have an account to suit your needs at just about any stage. You’ll have access to both a
Super-savings account to help save for your future and an Income account to receive a regular income when you are retired or transitioning to retirement (once eligible). You can also benefit from investment choice, flexible insurance options and advice services. Easily check out your account(s) whenever you like through our secure Member Online website.
Low fees and strong investment performance
Sunsuper’s fees are among the lowest and fairest you will find. With Sunsuper you pay no entry fees and no commissions. Sunsuper has maintained strong investment performance over the long term. The Balanced option for Super-savings accounts, which has identical investments to the Balanced Pool in the Lifecycle Strategy1, has outperformed the industry average over 3, 7 and 10 years. (Source: SuperRatings Fund Crediting Rate Survey December 2014). Warning: Past performance is not a reliable indication of future performance.
1 The Lifecycle Strategy commenced 4 October 2013.
You should read the important information about Benefits of investing with Sunsuper for life before making a decision. Go to sunsuper.com.au/pds to get the Sunsuper for life guide. The material relating to Benefits of investing with Sunsuper for life may change between the time when you read this statement and the day when you become a member.
Investment earnings and costs
Along with contributions and withdrawals your account balance changes with investment earnings (which may be positive or negative), fees and other costs.
You should read the important information about How super works before making a decision. Go to
sunsuper.com.au/pds to get the Sunsuper for life guide. The material relating to How super works may
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RISKS OF SUPER
Risks of investing in super include:
• the value of your investments will vary, the level of returns will vary, and future returns may differ from past returns,
• your returns are not guaranteed, and you may lose some money, • you may not be able to easily and quickly turn your investments into cash,
• you may require access to your superannuation savings at the same time as the value of your investments incur a sudden or prolonged decline (i.e. following a significant economic or market event),
• laws may change in the future (e.g. tax, social security), and
• the amount of your superannuation savings (including contributions and returns) may not be enough to provide adequately for your retirement or your remaining lifetime.
Warning: Making any investment involves some level of risk. The level of risk you may be prepared to accept,
and the investment option(s) that you select, will vary depending on a range of factors including your age, investment timeframe, the value and form of your other investments outside of super, and your tolerance for risk.
Managing investment risks
One of the ways that we help you to manage your investment risk is to offer a wide range of investment options that have different levels of risk. The level of investment risk in each investment option depends on the mix of the asset classes in the investment option. Assets with the highest long-term returns may also carry the highest level of short-term risk, for example, shares.
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HOW WE INVEST YOUR MONEY
You should read the important information about How we invest your money, including information on Sunsuper’s MySuper and other investment options and socially responsible investing, before making a decision. Go to sunsuper.com.au/pds to get the Sunsuper for life Investment guide. The material relating to How we invest your money may change between the time when you read this statement and the day when you become a member.
Investment choices
On joining Sunsuper for life, we’ll open a Super-savings account for you and if you don’t make an investment choice we’ll invest your super in the Lifecycle Investment Strategy. The Lifecycle Strategy is Sunsuper’s MySuper investment option. Closer to retirement, if you open an Income account and you don’t make an investment choice for that account, your Income account balance will be invested in the Retirement option. If you want to take a more active role in choosing your investment, you can select from our full range of investment options consisting of diversified (Growth, Balanced, Retirement and Conservative) and single asset class options (Shares, Property, Fixed Interest and Cash). We offer actively managed and index options, hedged and unhedged options and special options.
How to change your investment option(s)
You can manage your investments online, by logging on to Member Online on our website or by sending us an Investment choice form available at the back of the Sunsuper for life Investment guide. Once you have made your choice, you should review your investments regularly to make sure you’re on track to reach your goals. Warning: When choosing an option(s) in which to invest, you must consider the likely investment returns, the risk and your investment timeframe.
Sunsuper’s Lifecycle Investment Strategy
The Lifecycle Strategy is designed for members who want to generate wealth over the long term, and gradually transition to lower-risk investments as they approach age 65. It does this by investing in three investment pools as outlined below. Members are invested in the Balanced Pool up until age 55, and after age 55 will transition to the Retirement Pool and Cash Pool, via regular account balance transfers and changes to how contributions are invested. The Lifecycle Strategy is not available in Income accounts.
Up to age 55
Age 65
Up to age 55, you are invested
100% in the Balanced Pool… …then your investment begins to transition to the Retirement Pool and Cash Pool… …until age 65, when the transition is complete
EXPECTED RETURN / RISK Balanced Pool Retirement Pool Cash Pool *Indicative transition concept
Transition to lower-risk investments as you near retirement
*Changes to the investment options we offer
Sunsuper may add new investment options, close existing investment options or alter any investment option, including our MySuper investment option, from time to time. We will notify you of any significant change.
“Socially responsible” investing
Sunsuper believes environmental, social and corporate governance (ESG) factors have the potential to financially impact our investments. We engage with our investment managers and encourage them to consider ESG factors, labour standards and ethical considerations and give them the flexibility to determine the extent of these considerations in their investment decisions.
The Lifecycle Strategy invests in three pools
1 The Investment objective above is set by Sunsuper for monitoring our ongoing investment performance. This objective may differ from the prescribed Return target disclosed on our MySuper dashboard which is calculated using a different methodology.
Balanced Pool Retirement Pool Cash Pool
Description
Structured to generate wealth over the long term, while being sensitive to the relative performance of other large Australian superannuation funds.
Structured to generate wealth over the medium to long term while providing some reduction in volatility of returns in the short term.
A portfolio of cash and cash-equivalent investments. Investment objectives1 • Beat inflation by 4% p.a. over 10-year periods (after investment fees and costs and investment taxes).
• Beat inflation by 3.5% p.a. over 10-year periods (after investment fees and costs and investment taxes).
• Match or exceed the Bloomberg AusBond Bank Bill Index (before investment tax but after investment fees and costs).
Minimum suggested
timeframe 5 years.
Risks
• Medium to high levels of volatility in the returns from year to year. • Expected number of years
of negative returns over any 20-year period: 3 to less than 4.
• Risk label: Medium to high. • Risk Band: 5.
• Medium levels of volatility in the returns from year to year. • Expected number
of years of negative returns over any 20-year period: 2 to less than 3. • Risk label: Medium. • Risk Band: 4.
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CONSUMER ADVISORY WARNING 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.
Your employer may be able to negotiate to pay lower administration 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 (moneysmart.gov.au) has a
superannuation fee calculator to help you check out different fee options.
Fees and costs
This section shows the fees and costs that you may be charged. This information can be used to compare costs between different superannuation products.
Sunsuper for life — Super-savings accounts
TYPE OF FEE AMOUNT HOW AND WHEN PAID
Investment fee Estimated base fee of 0.42%p.a.1 plus estimated performance fee of 0.08% p.a.,1 a total of 0.50%p.a.1 of your account balance.
Deducted daily from the investment option as part of the calculation of daily unit prices.
Administration fee $1.50 per week plus 0.10% p.a. of the first $800,000 of your account balance only.
Generally deducted from your account balance weekly.
Buy-sell spread Nil n/a
Switching fee Nil n/a
Exit fee $47 Net amount of $40 deducted when transaction is processed.
Advice fees relating to all members investing in Sunsuper for life investment options
Nil2 n/a
Other fees and costs Refer to the Additional explanation of fees and costs in the Sunsuper for life guide, and the Sunsuper for life Insurance guide.
Indirect cost ratio Nil n/a
FEES AND COSTS
You should read the important information about Fees and costs before making a decision. Go to
sunsuper.com.au/pds to get the Sunsuper for life guide. For investment fees and costs for our full range of
Sunsuper for life – Income accounts
(fees are as per previous page except for the following)TYPE OF FEE AMOUNT HOW AND WHEN PAID
Administration fee $4.00 per week; and Generally deducted from your account balance weekly.
0.10% p.a. of the first $800,000
of your account balance only. Generally deducted from your account balance monthly. Investment fee Estimated base fee of 0.39% p.a.3
plus estimated performance fee of 0.08% p.a.,3 a total of 0.47% p.a. 3 of your account balance.
Deducted daily from the investment option as part of the calculation of daily unit prices.
Exit Fee $40 Deducted when transaction is processed.
1 Estimated investment fees for the Lifecycle Investment Strategy for the 2015 –16 financial year. 1,3 Estimated investment fees are our best estimates based on recent experience and our current
long-term expectations.
2 With the exception of personal advice — Refer to the Additional explanation of fees and costs on page 10. 3 Estimated investment fees for the Retirement option for the 2015 –16 financial year.
Fees and costs can be paid directly from your account or deducted from investment returns. Sunsuper does not negotiate fees and costs with members. Fees for Super-savings accounts are stated gross of tax. Sunsuper receives a tax deduction for your Administration fees on your Super-savings accounts. This is normally passed on to you as a reduction to any contributions tax payable on concessional contributions.
Example of annual fees and costs
1for the Lifecycle Investment Strategy
This table gives an example of how the fees and costs in the Lifecycle Investment Strategy within the Super-savings account for this product can affect your superannuation investment over a 1- year period. You should use this table to compare this product with other superannuation products.
EXAMPLE – The Lifecycle Investment Strategy BALANCE OF $50,000
Investment fee 0.50% p.a. (being 0.42% p.a. base fee plus 0.08% p.a. performance fee).
For every $50,000 you have in the Lifecycle Investment Strategy you will be charged $2502 each year.
PLUS Administration fee $78 p.a. ($1.50 p.w.) plus
0.10% p.a. of your account balance.
And, you will be charged each year:
• Administration fee of $78 regardless of your balance, plus
• Administration fee of $50.
PLUS Indirect costs for the
Lifecycle Investment Strategy Nil And, indirect costs of $0 each year will be deducted from your investment.
EQUALS Cost of product If your balance was $50,000, then for that year you will be charged fees of $3783 for the Lifecycle Investment Strategy.
1 The default investment option for Income accounts is the Retirement option. Refer to the Sunsuper for life guide for fees and costs. 2 Investment fees shown in this example are estimated fees for the 2015 –16 financial year. Actual investment fees can vary each financial year. 3 Additional fees may apply. If you make a withdrawal from your account an exit fee of $47 will apply (a net fee of $40 will be deducted).
NOTE: The above example assumes no insurance. If insurance cover is taken, insurance fees and costs may
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Additional explanation of fees and costs
Changes to fees and costs: Sunsuper has the right to change fees and costs. We will let you know in our
Annual report what the actual investment fees have been for the previous financial year. For Administration fees and other fees, we will let you know at least 30 days beforehand if we plan to increase fees.
Advice fees: Sunsuper does not pay commissions to financial planners. Simple advice is provided at no additional
cost. Warning: If you receive personal advice from a Sunsuper financial planner or a Sunsuper approved external planner, you may be charged a fee. This fee varies depending on the type of advice, but you will be told the fee before you receive the advice and the amount of the fee will be set out in the Statement of Advice the planner gives you. The definitions for the fees in Sunsuper for life are available at sunsuper.com.au/fees
FEES AND COSTS
(continued)
There are a number of ways super is taxed. The amount of tax paid depends on several factors such as your account type, age, and the amount and type of any contributions to your account.
Contributions
In relation to contributions, if a Tax File Number (TFN) has been provided, the following tax rules apply (subject to satisfying the relevant contribution caps):
• Employer contributions, salary sacrifice and personal contributions for which a tax deduction is claimed are generally taxed at up to 15% of the contribution.
• Contributions from after-tax sources are generally tax free.
Warning: When making contributions it’s important to note that there are tax consequences if you exceed
the relevant contribution caps.
Investment earnings
In your Super-savings account investment earnings are generally taxed at up to 15%. In your Income account investment earnings are generally tax free.
Withdrawals
If you are over age 60 withdrawals are generally tax free.
If you are under age 60 you may be taxed for withdrawals as outlined below.
Lump sum withdrawals1,2 Income payments
Tax free component: Nil Taxable components:
• If under preservation age: taxed at 22%3
• If you’ve reached preservation age: tax free up to the low rate cap ($195,000 in 2015 –16) and then generally taxed at 17%3
Generally tax is paid at your marginal tax rate less a 15% tax offset.
1 Different rules apply for withdrawals by temporary residents. 2 Does not apply to death benefits,
however tax may still be payable – refer to the Sunsuper for life guide. 3 Includes Medicare Levy of 2%.
How tax is paid
Sunsuper generally will pay the tax applying to your Sunsuper account. Contributions tax (where applicable) is deducted from your contribution prior to allocation to your account, an allowance for investment earnings tax (where applicable) is deducted from investment income and included in the calculation of unit prices and generally other taxes are deducted from your account balance.
HOW SUPER IS TAXED
New Member options Increase Death and TPD cover by 50% when you join the Fund Opt in Standard IP when you join the Fund White Collar cover Additional Death and TPD at anytime at no additional cost May increase Standard IP at anytime with no additional cost Life and Age Events Additional Death and/or TPD Increase your Standard cover for a Life event by 25% at anytime Increase your Standard cover for an Age event by 25% at anytime
Tailored
cover
Death and TPD IPStandard cover
Death and TPD If you are ineligible for Standard cover You need more cover at anytimeOR
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Insurance cover and options
Sunsuper provides access in your Super-savings account to flexible Death, Total and Permanent Disability (TPD) and Income Protection (IP) insurance to keep you, or those close to you, protected if something unfortunate were to happen to you. Eligible members are automatically provided with Standard cover for Death and TPD. If you’re not eligible for Standard cover, or you want to change your cover (at any time), you can apply for Tailored cover (satisfactory evidence of health may be required), where you can determine the type and level of cover you want. A summary of insurance options and cover types is shown below.
INSURANCE IN YOUR SUPER
Warning: You should provide your TFN when you join Sunsuper. If you don’t supply your TFN, you will
pay more tax on contributions and any benefits paid, and you will not be able to make voluntary after-tax contributions. Sunsuper will use your TFN to validate your identity and, with your consent, search for and transfer to Sunsuper any monies you may hold with the Australian Taxation Office (ATO) or other super funds, to the extent the law allows. If we find or transfer any monies, we’ll let you know.
You should read the important information about How super is taxed including contribution caps before making a decision. Go to sunsuper.com.au/pds to get the Sunsuper for life guide. The material relating to How super is taxed may change between the time when you read this statement and the day when you become a member.
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INSURANCE IN YOUR SUPER
(continued)
Standard cover
The amount of Standard cover you receive in your Super-savings account on joining depends on your age and type of cover (and if you select IP cover, depends on your Income) and may change on your birthday. Your cover is outlined each year in your Annual statement. You can confirm your insurance cover at any time by accessing Member Online on our website sunsuper.com.au or calling us on 13 11 84. The cost of your insurance cover will depend on your age and gender and the cost will change with your age over time. Premiums are calculated weekly and normally deducted from your Super-savings account each month, so you won’t feel the impact on your take-home pay.
On joining, you are eligible for automatic Standard cover in your Super-savings account if:
• you are age 15 to 69 (TPD cover is not available from age 67), and
• you haven’t previously received or been eligible to receive a Terminal Illness benefit, TPD benefit or a benefit as a result of Permanent Incapacity or a Terminal Medical Condition, from Sunsuper or another fund or insurer, and
• you are ‘Employed’ (not a Self-Employed Person) and we receive an SG contribution for you. Conditions may apply to your cover, refer to the Sunsuper for life Insurance guide for more information. Standard cover and premiums are detailed in the table below.
Age last birthday1
Standard cover
Amount of cover ($) Premium2($) per week
Death TPD Death and TPD
Male Female 15 to 21 62,500 125,000 2.80 1.70 22 to 29 125,000 175,000 4.60 3.20 30 to33 250,000 8.00 5.60 34 246,000 35 240,000 36 230,000 9.80 8.20 40 186,000 45 132,000 50 83,000 55 42,000 60 25,000 65 to 66 16,000 67 to 693 16,000 Nil 3.40 2.20
1 As all ages are not listed refer to the Sunsuper for life Insurance guide for full details. 2 Premiums for Death only cover are detailed in the Sunsuper for life Insurance guide. 3 Cover from age 67 is Death only.
How to apply for or change your insurance cover
It’s easy: when joining Sunsuper for life (via New Member options); at certain stages in your life (via Life and Age Event options); at any time you can apply for Tailored cover; and by reducing or cancelling your cover. Some members may also have other insurance offers made to them from time to time. For group transfers from another fund, insurance arrangements may apply that are different from those shown here. You will be advised if this applies to you.
On joining, your New Member options in your Super-savings account are:
1) Increase your Standard Death and TPD cover by 50% (including White Collar cover) for 50% more in premium (if not a Self-Employed Person).
2) Add Income Protection cover (if aged 15 to 64 and permanently employed for at least 15 hours per week and not a Self-Employed Person, casual or contract employee and not employed under the terms of a class 457, 422 or 418 visa). IP cover can provide you with a monthly benefit, after a Waiting Period of 90 days, for up to 2 years if you are unable to work due to sickness or injury. Your amount of cover is a fixed monthly benefit amount, and is calculated as 85% of your Income, rounded up to the nearest $500.1 The weekly cost per $5001 of cover is shown below. To calculate your weekly premium simply divide your (monthly) cover amount by $5001 and multiply by the IP premium shown below.
Age last birthday IP premium $ per week (per $5001 monthly benefit)
Male Female
15 to 39 0.24 0.35
40 to 49 0.53 0.87
50 to 64 1.28 1.71
1 (or $1,000 for White Collar).
In the event of a claim, your amount of cover will be paid directly to you with a maximum payment of 75% of Income and any remaining cover will be paid into your Super-savings account (this counts towards the concessional contributions cap and cannot exceed 25% of your Income). The maximum benefit payable is $5,000 per month (or $10,000 for White Collar).
To take up either or both of the New Member options, complete the Membership application form and return it to us within 120 days of joining Sunsuper. If you change your cover using one of the New Member options and are approved by the insurer, your changed cover levels and premiums will start from the day your cover starts. Any premiums associated with the change will be charged in addition to your Standard cover premiums and will be calculated weekly and normally deducted from your Super-savings account each month.
Life and Age Event options: If you have Standard cover (or White Collar cover), when your life changes by
getting married, having or adopting a new child, taking out or increasing a residential mortgage or simply turning age 30, 40 or 50 you can easily increase your Death and/or TPD cover by completing the Life and Age Event insurance options form within 180 days of the event in order to be considered for the increased cover.
White Collar cover: If you are permanently employed and not a Self-Employed Person and work at least
15 hours per week, and spend at least 80% of your time in an office environment (excluding travel from one job to another) and your duties are limited to clerical, administration, managerial (or similar) and do not involve more than 10% light manual duties, just complete the White Collar eligibility question on your Membership application form to receive 50% more Death and TPD cover for the same cost as the Standard cover premium. You may also be eligible for more cover than the New Member option Standard IP cover at no additional cost to you.
Tailored cover: If you are not eligible for Standard cover (for example, if you are a Self-Employed Person),
have previously cancelled your cover and want to reapply, or simply want to change your cover provided as Standard cover you may apply for Tailored cover at any time (satisfactory evidence of health may be required).
Reduce or cancel cover: If you want to reduce or cancel your cover at any time, you need to let us know in
writing, or by calling 13 11 84. The reduction or cancellation will be effective from the date your instruction is received. Warning: If you do not cancel your Standard cover, the cost of your cover will be deducted from your Super-savings account.
Insurance in retirement
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HOW TO OPEN AN ACCOUNT
You should read this PDS and the other important information in the Sunsuper for life guide, the Sunsuper for life Insurance guide and Sunsuper for life Investment guide which are referred to in the PDS.
Opening a Super-savings account is easy, you can:
• Join online at sunsuper.com.au/join• Complete the Membership application form in the back of this PDS and either give it to your employer (if your employer gave you the PDS), or send it to Sunsuper,
• Call us on 13 11 84 if you have any questions about how to join.
Opening an Income account is easy:
• Just fill in the Income account request form found in the back of the Sunsuper for life guide or call us on
13 11 84 if you have any questions about how to join.
If you are an employer and would like to register with Sunsuper, it’s easy:
• Visit sunsuper.com.au/employerjoin or call us on 13 11 84 if you have any questions.Cooling-off period
For Income account members and Super-savings account members not employed by participating employers
You have a 14-day period to decide if Sunsuper for life is right for you. The 14-day period starts on the day you receive confirmation of opening your Super-savings account or Income account, or 5 days after we accept your application, whichever happens first. During this period you may cancel your Membership application or Income account request in writing or by calling us on 13 11 84.
Additional information contained in the Sunsuper for life Insurance guide
• Who is not eligible for Standard cover, and when cover starts; and the levels, types and costs of insurance cover, • New Member options, Life and Age Event options and White Collar cover,• Eligibility for and cancellation of cover and the conditions and exclusions that may apply, • Definitions of key insurance terms and occupational listings, and
• Applying for Tailored cover, and other offers, including insurance offers that may be made to members.
Warning: Some of the additional information in the Sunsuper for life Insurance guide may be relevant in
determining your entitlement to insurance cover. You should read the additional information before deciding whether the insurance is appropriate for you.
You should read the important information about Insurance in your super before making a decision. Go to
sunsuper.com.au/pds to get the Sunsuper for life Insurance guide. The material relating to Insurance in your
super may change between the time when you read this statement and the day when you become a member. Insurance cover is provided through group life policies for Death and TPD, and Income Protection, issued by AIA Australia Limited ABN 79 004 837 861.
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ADDITIONAL INFORMATION
For participating employers and their employeesParticipating employers have a 14-day period to decide if Sunsuper for life is right for them and their employees. The 14-day period starts on the day a participating employer receives confirmation that we have received their initial contributions, or 5 days after the first employees are admitted as members of Sunsuper for life, whichever happens first. During this period, participating employers may cancel their application to become a participating employer of Sunsuper. Employers wishing to cancel their application to become a participating employer of Sunsuper can do so in writing or by calling us on 13 11 84.
If you choose to exercise your cooling-off rights
Any contributions will be adjusted for tax (if payable), for changes to investment values during the period, and for reasonable administration costs, and will be rolled over to a complying fund. A nomination of an alternative fund must be made within 1 month of requesting cancellation.
For employment definitions refer to the Sunsuper for life Insurance guide.
Concerns and complaints
If you are unhappy with our service or super fund, we offer a complaint resolution process at no additional cost to you. Contact us to discuss your complaint; our contact details are on the back cover.
You should read the important information about Concerns and complaints before making a decision. Go to sunsuper.com.au/pds to get the Sunsuper for life guide. The material relating to How to open an account, and Concerns and complaints may change between the time when you read this statement and the day when you become a member.
You should read the important information about Additional information before making a decision. Go to sunsuper.com.au/pds to get the Sunsuper for life guide. The material relating to Additional information may change between the time when you read this statement and the day when you become a member.
Keeping you informed
The information in the PDS is up-to-date at the date it is prepared. However at the time you receive the PDS, some information in the PDS that is not materially adverse may have changed. The PDS, guides and updated information can be found on our website at sunsuper.com.au/pds. Call us on 13 11 84 and we will send you a paper copy of the PDS, guides or any updated information on request. Reminder: The PDS is a summary of the significant information about Sunsuper for life and there is further information you should read contained in the Sunsuper for life guide, the Sunsuper for life Insurance guide and Sunsuper for life Investment guide. Go to sunsuper.com.au/pds
Other information
This product offer is available only to people receiving it in Australia. Applications from outside Australia may not be accepted. If you are a temporary resident permanently leaving Australia refer to the Sunsuper for life guide for more information.
The Trust Deed that governs the Fund is available on request by contacting us. Sunsuper is not responsible for third party website content.
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Please continue over page
M F
NO
NO
YES
YES NO YES
$
3A
Continue to – ‘About your employer’ section below
Membership application
I am CURRENTLY
PERMANENTLY EMPLOYED I am a CASUAL WORKERor CONTRACTOR I am NOT EMPLOYED I am SELF-EMPLOYED
Look for other super for me
Tick and we’ll look for other super you may have. Sunsuper will use your TFN to search for other super you may have with other funds or the ATO to the extent we’re allowed. If we receive money from the ATO we’ll let you know. If we fi nd money with other funds we’ll be in touch to help you combine them.
If you are not eligible for Standard insurance or you wish to change your insurance, you can apply for Tailored insurance cover.
Go online to sunsuper.com.au/tailoredinsurance for more information.
White Collar eligibility:1
Are you permanently employed for at least 15 hours per week;
AND do you spend at least
80% of your time in an offi ce or classroom environment;
AND are your duties limited
to clerical, administration, or managerial;
AND does your occupation
not involve more than 10% light manual duties?
If YES, you’ll receive additional cover at no additional cost to you.
If eligible you will be provided with Standard (Death and TPD) cover as described in the Sunsuper for life PDS.
Refer to pages 11–14 of the Sunsuper for life PDS for details on eligibility, cover and cost.
Do you want to increase your Death and TPD cover by 50%?1
Do you want Income
Protection cover?1,2
1Please note: Limited Cover and an At Work requirement may apply to all or some of your cover.
2 To be eligible for Standard Income Protection cover, you need to be aged 15 to 64, be permanently employed and work at least 15 hours per week, not be a Self-Employed Person and not be employed under a class 457, 422 or 418 visa. A Waiting Period of 90 days and a benefi t payment period of 2 years applies. Refer to pages 11–14 of the Sunsuper for life PDS for details on eligibility, cover and cost. “Income” means your current pre-tax income derived from your occupation (base salary), and unless otherwise agreed with the Insurer, excludes employer super contributions. Refer to the Sunsuper for life Insurance guide for the full defi nition of Income. For more information, including how to change or cancel your cover, refer to pages 11–14 of the Sunsuper for life PDS.
Member number
if already a member
Employer’s trading name – Your employer’s company name may be different from its trading name. Please ensure you provide the trading name.
Date you joined employer (DD/MM/YYYY)* Employer’s phone number Your occupation
Annual income 2
My TFN
Employer’s Sunsuper no. (if applicable)
Skip to section 3A – ‘Tailored Insurance’ cover
Employment status Please tick your employment status from the choice of 4 below:
Standard insurance cover
1About your employer
Ask for your employer’s help to fill in this section.Tailored insurance cover
Tax file number (TFN) details
– Sunsuper can use your TFN to help you bring your super together.13 11 84 sunsuper.com.au Reply Paid 2924 Brisbane Qld 4001
First name* Middle name
Date of birth (DD/MM/YYYY)*
Daytime phone number Home phone number
Suburb / Town*
Personal email address Mobile phone number
State* Postcode*
Street Address / PO Box* Title
Gender* Last name*
Personal details
Use this form to apply to open a Super-savings account or join online at sunsuper.com.au Important: Please provide us with as much information as possible. Please tick box where appropriate. Use BLOCK letters and dark ink when
completing this form and ensure it is signed and dated. *DENOTES MANDATORY FIELD.
Now’s a great time to bring all of your super together.
Visit sunsuper.com.au/rollover to use our rollover tool which takes just 5 –10 minutes.
NOTE: Where we can, we’ll provide your documents, including statements and notices of changes to your account, electronically.
We’ll email or SMS you when information is ready to view in Member Online. If you would prefer information is posted to you, change your preferences in Member Online or call us on 13 11 84.
Register me for Member Online now You must provide a valid email address. Details will be forwarded to you.
On joining, eligible members have the following New Member options:
4
5
6
7
M/F M/F M/F M/F/ /
/ /
/ /
/ /
Your Super-savings account balance will be invested in the Lifecycle Investment Strategy. For more information on our full range of investment options visit sunsuper.com.au/pds for a copy of the Sunsuper for life Investment guide. To make an investment choice, visit sunsuper.com.au/memberonline.
The purpose for which Sunsuper is collecting the information on this Membership application is to provide superannuation benefi ts and related services for you. This includes processing your application, managing your participation in Sunsuper and ensuring you receive your entitlements. If the information requested is not provided, Sunsuper may be unable to properly administer your benefi ts and notify you about your entitlements. Sunsuper will normally only use the information you provide on this application for these purposes.
Sunsuper will also use this information to notify you about Sunsuper and other products. Sunsuper does not normally disclose information about members to parties outside the Sunsuper group, except parties contracted to provide services to Sunsuper. This includes but is not limited to the Fund’s administration service provider, insurer, auditors and legal advisers.
If you subsequently make a claim for a disablement benefi t, the insurer will disclose information about you to medical practitioners and other experts for the purposes of assessing your claim, and may collect information about your disability from these people or from your employer. Sunsuper also might be required by law to disclose information about you, for example to Government bodies such as the Australian Taxation Offi ce, and we may disclose information to relevant overseas bodies in various countries, as described in our Privacy Policy.
Our Privacy Policy sets out how you can access information about your benefi t and personal details, correct any information which is inaccurate or out-of-date and information on our privacy complaints process.
Duty of Disclosure for insurance cover Your Duty of Disclosure
A person who enters into a life insurance contract in respect of your life has a duty, before entering into the contract, to tell us anything that they know, or could reasonably be expected to know, that may affect the insurer’s decision to provide the insurance and on what terms. The person entering into the contract has this duty until the insurer agrees to provide the insurance. The person entering into the contract has this same duty before they extend, vary or reinstate the contract. The person entering into the contract does not need to tell the insurer anything that reduces the risk you are insured for; or is common knowledge; or the insurer knows or should know as an insurer; or if the insurer waives your duty to tell them about.
For contracts of insurance entered into, renewed, extended, varied or reinstated from 28 December 2015, if you do not tell us something that you know, or could reasonably be expected to know, may affect our decision to provide the insurance and on what terms, this may be treated as a failure by the person entering into the contract to tell us something that they must tell us.
If you do not tell us something
In exercising the following rights, the insurer may consider whether different types of cover can constitute separate contracts of life insurance. If they do, the insurer may apply the following rights separately to each type of cover. If the person entering into the contract does not tell us anything they are required to, and the insurer would not have provided the insurance if they had told us, the insurer may avoid the contract within 3 years of entering into it.
If the insurer chooses not to avoid the contract, the insurer may, at any time, reduce the amount of insurance provided. This would be worked out using a formula that takes into account the premium that would have been payable if they had told the insurer everything they should have. However, if the contract has a surrender value, or provides cover on death, the insurer may only exercise this right within 3 years of entering into the contract. If the insurer chooses not to avoid the contract or reduce the amount of insurance provided, they may, at any time vary the contract in a way that places them in the same position the insurer would have been if the person entering in to the contract had told the insurer everything they should have. However, this right does not apply if the contract has a surrender value or provides cover on death.
If the failure to tell the insurer is fraudulent, the insurer may refuse to pay a claim and treat the contract as if it never existed.
Please ensure all applicable questions are fully answered.
Providing your TFN
Under the Superannuation Industry (Supervision) Act 1993, your superannuation fund is authorised to collect your TFN, which will only be used for lawful purposes.
These purposes may change in the future as a result of legislative change. The trustee of your superannuation fund may disclose your TFN to another superannuation provider, when your benefi ts are being transferred, unless you request the trustee of your superannuation fund in writing that your TFN not be disclosed to any other superannuation provider. It is not an offence not to quote your TFN. However giving your TFN to your superannuation fund will have the following advantages (which may not otherwise apply):
• your superannuation fund will be able to accept all types of contributions to your account/s;
• the tax on contributions to your superannuation account/s will not increase; • other than the tax that may ordinarily apply, no additional tax will be
deducted when you start drawing down your superannuation benefi ts; and • it will make it much easier to trace different superannuation accounts in your name so that you receive all your superannuation benefi ts when you retire. I declare that:
• I apply to become a member of Sunsuper and I agree to be bound by the Trust Deed that governs the Fund.
• I apply to open a Super-savings account.
• I acknowledge and have read my Duty of Disclosure and all of my details on this Membership application are correct.
• I have received, read and accept the accompanying Sunsuper for life PDS. I understand that other important information which forms part of the PDS is contained in the Sunsuper for life guide, Sunsuper for life Insurance guide and Sunsuper for life Investment guide and that the PDS should be read in its entirety.
• I understand all the conditions I must meet to be eligible to obtain Standard insurance cover, as described on pages 10-11 of the Sunsuper for life Insurance guide. I acknowledge insurance cover is provided by an external insurance company.
• By signing this Membership application, I consent to the collection and disclosure of information about me for the purposes shown above. • I consent to receiving information, including Annual Statements,
confi rmations of transactions and other important information electronically where possible. I understand that I must contact Sunsuper if I want to receive paper communications.
Binding nomination You can make a binding death benefi t nomination by completing a Binding death benefi t nomination form instead of the section above. A binding nomination is a legal instrument that ‘binds’ the Trustee of Sunsuper to pay your death benefi t to your nominated benefi ciaries in most cases. For more information refer to our fact sheet at sunsuper.com.au/factsheets or if you would like a Binding death benefi t nomination form visit sunsuper.com.au/forms . You can also nominate a reversionary benefi ciary when you open an Income account. Refer to the Sunsuper for life guide for details.
Must add up to TOTAL
If more benefi ciaries are required please attach details separately.
Please tick if you are a Parent/guardian signing on behalf of a member aged under 18 and who is not joining via an employer, and attach required proof of parent or guardianship document (refer to the Sunsuper for life guide under Additional information for details). Parent/guardian name
Parent/guardian signature
Preferred beneficiaries
You can add or change your nomination at any time. Go to Member Online or complete a Change of details form.
I nominate the people below as my benefi ciaries for the payment of my death benefi t from my Super-savings account. I understand my preferred nomination will be used by Sunsuper as a guide only and that Sunsuper is not bound by my nomination when exercising its absolute discretion to pay my death benefi t.
Given names Given names Given names Given names Surname Surname Surname Surname Portion of benefi t Portion of benefi t Portion of benefi t Portion of benefi t Relationship Relationship Relationship Relationship
%
%
%
%
100.00%
Your investment choice
Your privacy - Personal Information Collection Notice
Date (DD/MM/YYYY)* Member to sign here*
Authorisation and declaration
Sign this application form and return to Sunsuper:
Please return the form to Sunsuper Reply Paid 2924 Brisbane Qld 4001 If you would like to change your investment or insurance options to suit your needs or you would like to receive a copy of the Sunsuper for
life guide, Sunsuper for life Insurance guide or Sunsuper for life Investment guide please visit
sunsuper.com.au/pds or call us on 13 11 84.
Sunsuper Pty Ltd ABN 88 010 720 840 AFSL No. 228975 Trustee of the Sunsuper Superannuation Fund ABN 98 503 137 921 MySuper Authorisation 98 503 137 921 996 Date of birth Date of birth Date of birth Date of birth Gender Gender Gender Gender (e.g. spouse) (e.g. spouse) (e.g. spouse) (e.g. spouse)
4
5
6
7
Page 2 o f 2 M/F M/F M/F M/F/ /
/ /
/ /
/ /
Your Super -savings accountbalance will be invested in the Lifecycle Investment Str
ategy.
F
or more information on our full r
ange of investment options visit
sunsuper
.com.au/pds
for a copy of the
Sunsuper for life Investment guide
. T o mak e an investment choice , visit sunsuper .com.au/member online .
The purpose for which Sunsuper is collecting the information on this
Membership application
is to provide super
annuation benefi
ts and related services for you.
This includes processing your application,
managing your participation in Sunsuper and ensuring you receive your entitlements
. If the information requested is not provided,
Sunsuper may be unable to properly administer your benefi
ts and
notify you about your entitlements
. Sunsuper will normally only use the information you provide on this application for these purposes
.
Sunsuper will also use this information to notify you about Sunsuper and other products
. Sunsuper does not normally disclose information about members to parties outside the Sunsuper group
, except
parties contr
acted to provide services to Sunsuper
. T
his includes but is not limited to the Fund’
s administr
ation service provider
, insurer
, auditors and legal advisers
.
If you subsequently mak
e a claim for a disablement benefi
t, the insurer will disclose information about you to medical pr
actitioners and other experts for the purposes of assessing your claim,
and may collect
information about your disability from these people or from your employer
. Sunsuper also might be required by law to disclose information about you,
for example to Government bodies such as the
Austr
alian
Taxation
Offi
ce
, and we may disclose information to relev
ant overseas bodies in v
arious countries , as described in our Priv acy P olicy . Our Priv acy P olicy
sets out how you can access information about your benefi
t and personal details
, correct any information which is inaccur
ate or out-of-date and information on our priv
acy complaints process
.
Duty of Disclosur
e for insur
ance cover
Your Duty of Disclosur
e
A person who enters into a life insur
ance contr
act in respect of your life
has a duty,
before entering into the contr
act,
to tell us anything that they
know,
or could reasonably be expected to know,
that may affect the
insurer’
s decision to provide the insur
ance and on what terms
.
The person entering into the contr
act has this duty until the insurer agrees
to provide the insur ance . T he person entering into the contr act has this
same duty before they extend,
v
ary or reinstate the contr
act.
The person entering into the contr
act does not need to tell the insurer
anything that reduces the risk you are insured for;
or is common
knowledge;
or the insurer knows or should know as an insurer;
or if the
insurer w
aives your duty to tell them about.
For contr
acts of insur
ance entered into
, renewed,
extended,
v
aried or
reinstated from 28 December 2015,
if you do not tell us something that
you know,
or could reasonably be expected to know,
may affect our
decision to provide the insur
ance and on what terms
, this may be treated
as a failure by the person entering into the contr
act to tell us something
that they must tell us
.
If you do not tell us something
In exercising the following rights
, the insurer may consider whether different
types of cover can constitute separ
ate contr acts of life insur ance . If they do ,
the insurer may apply the following rights separ
ately to each type of cover
.
If
the person entering
into the contr act does not tell us anything they are required to
, and the insurer would not have provided the insur
ance
if they had told us
, the insurer may avoid the contr
act within 3 years of
entering into it.
If the insurer chooses not to avoid the contr
act,
the insurer may,
at any time , reduce the amount of insur ance provided. T his would be work ed out using a formula that tak es into account the premium that would have been pay
able if they had told the insurer everything they should have
. However
,
if the contr
act has a surrender v
alue
, or provides cover on death,
the insurer
may only exercise this right within 3 years of entering into the contr
act.
If the insurer chooses not to avoid the contr
act or reduce the amount
of insur
ance provided,
they may,
at any time v
ary the contr
act in a w
ay
that places them in the same position the insurer would have been if the
person entering in to the contr
act had told the insurer everything they
should have
. However
, this right does not apply if the contr
act has a
surrender v
alue or provides cover on death.
If the failure to tell the insurer is fr
audulent,
the insurer may refuse to pay
a claim and treat the contr
act as if it never existed.
Please ensure all applicable questions are fully answered.
Pr
oviding
your TFN
Under the
Super
annuation Industry (Supervision)
Act 1993
, your
super
annuation fund is authorised to collect your
TFN
, which will only
be used for lawful purposes
. These purposes may change in the future as a result of legislative change .
The trustee of your super
annuation fund may disclose your
TFN to another super annuation provider , when your benefi ts are being transferred, unless
you request the trustee of your super
annuation fund in writing that your
TFN not be disclosed to any other super
annuation provider
.
It is not an offence not to quote your
TFN
. However giving your
TFN to
your super
annuation fund will have the following adv
antages (which
may not otherwise apply):
•
your super
annuation fund will be able to accept all types of
contributions to your account/s;
•
the tax on contributions to your super
annuation account/s will not
increase;
•
other than the tax that may ordinarily apply,
no additional tax will be
deducted when you start dr
awing down your super
annuation benefi ts; and • it will mak e it much easier to tr
ace different super
annuation accounts in your
name so that you receive all your super
annuation benefi
ts when you retire
.
I declar
e that:
•
I apply to become a member of Sunsuper and I agree to be bound by
the
Trust Deed that governs the Fund.
• I apply to open a Super -savings account . •
I acknowledge and have read my Duty of Disclosure and all of my
details on this
Membership application
are correct.
•
I have received,
read and accept the accompanying
Sunsuper for life
PDS
. I understand that other important information which forms part
of the
PDS
is contained in the
Sunsuper for life guide
, Sunsuper for life
Insur
ance guide
and
Sunsuper for life Investment guide
and that the
PDS
should be read in its entirety.
•
I understand all the conditions I must meet to be eligible to obtain
Standard
insur
ance cover
, as described on pages 10-11 of the
Sunsuper for life Insur
ance guide
. I acknowledge insur
ance cover is
provided by an external insur
ance company.
•
By signing this
Membership application
, I consent to the collection and
disclosure of information about me for the purposes shown above
. • I consent to receiving information, including Annual Statements , confi rmations of tr
ansactions and other important information
electronically where possible
. I understand that I must contact
Sunsuper if I w
ant to receive paper communications
.
Binding
nomination
You can mak
e a binding death benefi
t nomination by completing a
Binding death benefi
t nomination
form instead of the section
above . A binding nomination is a legal instrument that ‘binds’ the Trustee of Sunsuper to
pay your death
benefi
t
to your nominated benefi
ciaries
in most
cases
. F
or more information refer to our fact sheet at
sunsuper
.com.au/factsheets
or if you would lik
e a
Binding death benefi
t nomination
form visit
sunsuper
.com.au/forms
. You can also nominate a reversionary benefi
ciary when you open an
Income account
. Refer
to the
Sunsuper for life guide
for details . Must add up to TO TAL If more benefi
ciaries are required please attach
details separately.
Please tick if you are a P
arent/guardian
signing on behalf of a member aged under
18 and who is not joining via an employer
, and
attach required proof of parent or guardianship
document (refer to the
Sunsuper for life guide
under Additional information for details). Par ent/guar dian name Par ent/guar dian signatur e
Pr
ef
err
ed
bene
ficiaries
You can add or change your nomination at any time
. Go to Member Online or complete a Change of details form.
I nominate the people below as my benefi
ciaries for the payment of my death benefi
t from my
Super
-savings account
. I understand my preferred nomination will be used by
Sunsuper as a guide only and that Sunsuper is not bound by my nomination when exercising its absolute discretion to pay my deat
h benefi t. Given names Given names Given names Given names Surname Surname Surname Surname Portion of benefi t Portion of benefi t Portion of benefi t Portion of benefi t Relationship Relationship Relationship Relationship
%
%
%
%
100.00%
Your in
ves
tmen
t choic
e
Your priv
acy - P
ersonal In
forma
tion Collection No
tic
e
Date (DD/MM/YYYY) *Member to sign her
e*
Authorisa
tion and declar
ation
Sign this applica
tion f
orm and r
eturn t
o Sunsuper:
Please r
eturn the form to Sunsuper
Reply P
aid 2924 Brisbane Qld 4001
If you would lik
e to change your investment
or insurance options to suit your needs or you
would lik
e to receive a copy of the
Sunsuper for
life guide
, Sunsuper for life Insurance guide
or
Sunsuper for life Investment guide
please visit sunsuper .com.au/pds or call us on 13 11 84 . Sunsuper Pty Ltd ABN 88 010 720 840 AFSL No . 228975
Trustee of the Sunsuper Super
annuation Fund ABN 98 503 137 921 MySuper Authorisation 98 503 137 921 996 Date of bi rth Date of bi rth Date of bi rth Date of bi rth Gender Gender Gender Gender (e .g . spouse) (e .g . spouse) (e .g . spouse) (e .g . spouse) Adviser Code (if applicable)
Ratings agency information
Canstar, Chant West, Conexus Financial, SuperRatings, and The Heron Partnership have given their consent and have not withdrawn it in relation to the inclusion of references to their ratings throughout the PDS. They do not make, or purport to make, any statement in the PDS other than these references. For further information on the ratings methodology used and awards refer to sunsuper.com.au/ratingsagencies
Need some financial advice?
Sunsuper can help you get the advice you need, call 13 11 84 to speak to one of our qualified financial planners1 who can give you simple advice at no additional cost, quickly over the phone. If it’s something more complex, you can meet with one of our qualified financial planners1 face-to-face. More complex advice may incur a fee. We may also refer you to an accredited external financial planner.2
1 Our qualified financial planners provide simple advice about super at no additional cost. More detailed advice, including that provided as part of the SunTracker program, may incur a fee. Sunsuper employees provide advice as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), wholly owned by the Sunsuper Superannuation Fund.
2 Sunsuper has established a panel of accredited external financial planners for our members. Sunsuper does not receive or pay any referral fees to these planners. Each of these planners will explain to you how their advice fees are determined. The accredited external financial planners are not employed by Sunsuper, and Sunsuper is not responsible for the advice provided by these planners.
Protecting your privacy
Sunsuper respects the privacy of the information you give us. If you require a copy of our Privacy Policy visit
sunsuper.com.au/privacy or call 13 11 84.
ADDITIONAL INFORMATION
(continued)
10
Sunsuper is a member of The Association of Superannuation Funds of Australia Limited (ASFA).
Contacting us is easy:
13 11 84 (+61 7 3121 0700 when overseas) GPO Box 2924 Brisbane QLD 4001 sunsuper.com.au
twitter.com/sunsuper
Facebook “f” Logo CMYK / .aiFacebook “f” Logo CMYK / .ai
facebook.com/sunsuper linkedin.com/company/sunsuper
The Sunsuper for life PDS is prepared and issued by Sunsuper Pty Ltd, the issuer and Trustee of the Sunsuper Superannuation Fund (referred to as “the Fund” or “Sunsuper”):
Sunsuper Pty Ltd ABN 88 010 720 840
Sunsuper Superannuation Fund ABN 98 503 137 921 MySuper Authorisation 98 503 137 921 996
Unique Super Identifier (USI) 98 503 137 921 001
