At a time when pension systems around the world are creaking, australias is a standout. Issued by fss trustee corporation abn 11 118 202 672, afsl 293340, the trustee of the first state superannuation scheme abn 53 226 460 365. Qsuper has won pension fund of the year at the conexus financial superannuation awards 2017 for the fourth year in a row, a feat acknowledged by the governments spokesperson on superannuation. The account will remain active as long as you have funds available. This spds is issued by bt funds management limited abn 63 002 916 458 afsl 233724 btfm. Qsuper chief executive michael pennisi said superannuation fees should. To register for member online, youll need your client number. This website is provided by club plus superannuation pty limited abn 26 003 217 990, asfl 245362, rse l0000529 club plus super trustee of club plus superannuation scheme, abn 95 275 115 088, rse registration no r757. Qsuper accumulations pds product disclosure statement download. Product disclosure statements pds qsuper superannuation fund. When it comes to making the most out of your retirement, getting professional guidance can help. This update, dated 1 july 2019, relates to the asgard ewrap super pension product disclosure statement as updated or supplemented pds and additional information booklet aib.
If your online account has been disabled, please give us a call. Qsuper accumulations pds product disclosure statement. Superannuation may sound complex but it is really just the money you put away for your retirement. Seventime pension fund of the year winner makes the case for a shift. Salespitch connects seamlessly with pensionpro via the onestep conversion tool to turn a proposal into plan. The abn for the qsuper defined benefit account product is 60905115063.
Energy super income stream product disclosure statement. This is a supplementary product disclosure statement spds t o the portfolio care ewrap superpension product disclosure statement pds dated 30 september 2017 and should be read together with this document. The investment fee and indirect cost ratio are based on the fees and costs for the financial year ended 30 june 2019. This guide provides detailed information about the accumulation account.
The pds is supplemented by deleting the text and table on page 17 along with the remainder of the table on page 18 and replacin g it. Qsuper is a solely queenslandbased financial institution, with specialist experience and capability in. Product disclosure statement 1 october 2019 this pds is a summary of significant information. Pds pdf 218 kb how super works pdf 165 kb how we invest your money pdf 227 kb fees and costs pdf 152 kb insurance in your super pdf 239 kb. Consider your own circumstances and read our product disclosure statement before making a decision about first state super. Know whos influencing your business and empower your sales team. An income stream pension division open to everyone eligible for a retirement income stream the avsuper and corporate pdss above refer to and incorporate the member investment choice mic guide, the member insurance guide, fees information and insurance fees. The purpose of this spds is to update the pds to include information about the new default investment strategy. Extensive seminars program over 550 free seminars per annum including. Portfolio solutions ewrap superpension spds 1 this spds, dated 1 july 2016, supplements information contained in the product disclosure statement pds dated 1 july 2014 for portfolio solutions ewrap superpension abn 90 194 410 365. Our product disclosure statements pds and handbooks contain detailed information about your fund such as costs, benefits and risks.
Unless we tell you otherwise, member online, information and all products are issued by the qsuper board as trustee for qsuper. Yourchoice pension yourchoice is an account based pension product offered through the map superannuation plan division ii abn 71 603 157 863 the fund. Qsuper defined benefit is required to provide a product disclosure statement to ensure that each customers understands how their superannuation works. This spds is to be read together with and supplements the portfolioone superannuation and pension service product disclosure statement pds dated 1 july 2014. This website is provided by retail employees superannuation pty limited abn 39 001 987 739, afsl 24 0003 rest, trustee of retail employees superannuation trust abn 62 653 671 394 fund, of which rest super, rest corporate, rest pension and acumen are part. Submission dr96 qsuper superannuation competitiveness and. This update is issued by bt funds management limited abn 63 002 916 458 afsl no. Product disclosure statement super and pension manager this super and pension manager spds is to be read together with the macquarie super and pension manager product disclosure statement pds dated 1 april 2014 andthe other disclosure documents which are incorporated by. Replace the fees and costs table on page 21 of the pension product disclosure statement with the following. If you forget your username or password, just can use the forgot username or forgot password features on the member online login page. Qsupers member online is a webbased superannuation administration portal owned by the qsuper board abn 32 125 059 006 afsl 489650 the board as trustee for qsuper abn 60 905 115 063 the fund.
Simple actions you can take today to make your money last longer once you retire. Mar 10, 2017 qsuper has won pension fund of the year at the conexus financial superannuation awards 2017 for the fourth year in a row, a feat acknowledged by the governments spokesperson on superannuation. Qinvest limited abn 35 063 511 580, afsl 238274 is a. Updating the information in the superwrap product disclosure. A pension fund with 4 apples is a high quality fund a 3 apple rating bronze is the third highest rating from chant west. Qsupers head of product and services ben hillier photo. Market linked pension product disclosure statement. Please note the following change to the flexi pension pds since publication. Qsuper product disclosure statement for accumulation and income. Retirement income account super income stream qsuper. The product disclosure statement is an introduction to the features of the accumulation and income accounts. Past performance is not a reliable indicator of future performance.
Performance and fee data is based on the option which is rated by superratings and stated on each products landing page. This spds amends the pds with the information below. Detailed information about each account can be found in the relevant guide. How to open an account 8 for further information about the methodology used b y chan t west, see au. Feb 24, 2020 qsuper income protection is a valuable part of qsuper insurance plans and all members of the fund should make themselves aware of all the conditions pertaining to the cover, so that they can fully. This update, dated 1 july 2019, relates to the asgard ewrap superpension product disclosure statement as updated or supplemented pds and additional information booklet aib. This online information and the information in the product disclosure statement pds work together to give you the complete guide to super with hostplus.
Abn 39 100 103 722 level 6, 161, collins street melbourne vic 3000. Product disclosure statement issued 18 november 2019 by unisuper limited abn 54 006 027 121 afsl no. Financial services minster kelly odwyer recorded a video to announce the award, noting that the judges had recognised qsupers pension offering. By the time i get to retirement age, the new 70 20 years time it will be enough to buy a carton of beer a week at todays rate no good for me, i cant drink. Our pds and range of helpful guides contain everything you need to know about our accumulation and income accounts. Product disclosure statement super and pension manager this super and pension manager spds is to be read together with the macquarie super and pension manager product disclosure statement pds dated 1 april 2014 andthe other disclosure documents which are incorporated by reference. The usi for qsuper defined benefit account is qsu0102au. Have your tax file number handy you can still join without it read the product disclosure statement pdf understand what covid19 coronavirus means for qsuper insurance. A 5 apple rating gold is the highest rating from chant west. Find out how the age pension and super work together in retirement.
Why australias pension system isnt super enough the. Please do not complete this form your employer will provide us with this information. Important documents relating to your super can be found here, such as pdss and members guides. Qsuper to offer bonus for choosing pension over lump sum.
Return to work or start a graduated return to work program. For more information on what these details describe, please scroll down for a more detailed description. Qsuper, which is queenslands largest super fund, said this was an australian industry first and has the potential to benefit thousands of members approaching retirement. Australian superannuation fund fees and costs are back under the.
Hostplus product disclosure statement pds download. Qsuper s member online is a webbased superannuation administration portal owned by the qsuper board abn 32 125 059 006 afsl 489650 the board as trustee for qsuper abn 60 905 115 063 the fund. Conexus super awards 2017 qsuper wins pension fund. Our retirement income account has won a number of awards, including money magazines best balanced pension product 3 and superratings pension of the year. Theres details about everything from how super works, to how we invest your money, how super is taxed, and associated fees and insurance. Energy super tax file number declaration income stream only under 60 download. Centrelink and your vicsuper flexible income table page 7 of the pds at the end of subsection what are the deeming rules. Firstchoice pension product disclosure statement includes the superfirst transfer facility this is a combined financial services guide and product disclosure statement issue no 20121, dated 28 may 2012 colonial first state firstchoice pension spin fsf0218au investments in firstchoice pension are offered from the colonial. Qsuper accumulation is required to provide a product disclosure statement to ensure that each customers understands how their superannuation works. This product disclosure statement pds is a summary of significant information and includes a number of references to other important information which forms part of the pds, namely the ing living super product guide product guide and ing living super defined fees guide defined fees guide.
For details of the current deeming rates, visit humanservices. With a defined benefit account, your retirement benefit is calculated by. Learn more about the different types of super funds. Superannuation is a financial product, and as a financial product is requires the statement of disclosure regarding the product. Among the biggest nonprofit funds are australiansuper and qsuper. Flexi pension product disclosure statement key information about the flexi pension product and membership plus attached application form. Our account based pension helps you turn your super into a regular income in retirement. Qsuper is one of australias largest and oldest superannuation funds and was. This is essentially every fund except for smsfs and small apra funds. It sets out information about our retirement income stream. Our income account won money magazines best balanced pension product for 2020. Since 2011, weve held canstars highest 5stars outstanding value account based pension rating. Accumulation account guide 492kb, pdf this guide provides detailed information about the accumulation account. Qsuper defined benefits pds product disclosure statement.
This guide explains your investment choices with qsuper. This document contains important additional information about fees and costs for the super plan and pension plan. The information in this document forms part of product disclosure statement issue number 9 dated 30 june 2019 pds for perpetual select super plan and pension plan and should be read in conjunction with the pds. Vicsuper flexible income supplementary product disclosure. Qsuper income protection is a valuable part of qsuper insurance plans and all members of the fund should make themselves aware of all the conditions pertaining to. This pds is issued by map funds management ltd abn 85 011 061 831, afsl no 240753 referred to as we, our, us. The information provided in this pds is general information only and does not take into account your personal financial situation or needs. Qsuper will start to offer a bonus to members who choose to access their superannuation via a pension rather than a lump sum. To help you better understand what super funds are available, on this page you can find a list of all super funds that are regulated by apra. Once we confirm your details over the phone, well reactivate your account. The list of funds is sourced from apra and reflects information as at 30 june 2019. Product disclosure statements income stream updates.
We were also a finalist for superratings pension of the year 2020, and our income accounts have received the highest possible ratings from superratings, chant west and the heron partnership. Product disclosure statements product disclosure statements. Qsuper grapples with retirement income in lowreturn world. The nine sections provide full details about all our products and services and are designed to accompany the product disclosure statement pds. 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. Product disclosure statements pds and member guides. Refer to the qsuper product disclosure statement pds for more information about the fees and costs you may be charged. Qsuper stated i am not eligible to claim my superannuation.
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