Mynorth super and pension guarantee pds north online. Hostplus product disclosure statement pds download. Fsp super fund supplementary product disclosure statement. Please refer to this information and any nonmaterial changes as part of making your decision about avsuper. Employer sponsored, personal, police blue ribbon super, and ambulance officers super dated 1 october 2019, section 8 the australian government has introduced new laws known as the protecting your super package, which may affect the insurance and fees on your first state super account. 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. Santos superannuation funds pds product disclosure.
We reserve the right not to accept requests for switching from pension to super with a guarantee. Any member considering applying for a guarantee will also be given a copy of the north pds part a and should consider all documents in deciding whether to acquire, or to continue to hold, this product. Sperannuation oneanswer frontier personal super and. This pds provides a summary of significant information you should consider before investing in this product. The incorporated by reference materials form part of the pds and you should also read these documents. Product disclosure statements local government super. The nine sections provide full details about all our products and services and are designed to accompany the product disclosure statement pds. At retirement, you typically have the following options. For the avoidance of doubt, these products are not intended to be sold to us persons as defined under regulation s of the us federal securities laws. This online information and the information in the product disclosure statement pds work together to give you the complete guide to super with hostplus. If we receive your request to switch your investments prior to 4pm. Mynorth super gives you control over your super and how it is invested. The information provided in this pds is general information only and does not take into account your personal. Super, transition to retirement pension accounts and investment accounts sales of particular investments may result in a capital gains tax liability being realised.
The information contained in this product disclosure statement pds for super and. Nationwide superannuation funds pds product disclosure. Portfolio solutions ewrap superpension spds 1 this spds, dated 16 november 2015, supplements information contained in the product disclosure statement pds dated 1 july 2014 and the additional information booklet aib dated 24 november 2014 together, the disclosure documents for ewrap superpension abn 90 194 410 365. Updated product disclosure statement compliant for both accumulation and pension phases minutes for the trustee to accept the product disclosure statement. Letter on our law firms letterhead confirming the above. Nationwide super pds pension divison what this pds is about you should read this document carefully, as it provides information on everything you need to know about your pension and the features, costs, benefits and risks of investing in nationwide super, which may also help you compare nationwide super with other pension products. Gives you control over your super so you can invest at a level that suits you. Youll find all the important information you need to know about our products in our product disclosure statements pds.
You can switch your investments at any time by logging into the members area of our website. This spds is to be read together with and supplements the portfolioone superannuation and pension service product disclosure statement pds dated 1 july 2014. North super and pension product disclosure statement. Chrome 60 and above windows, osx edge 14 and above windows firefox 46 and above windows, osx safari 10 and above osx north online also supports browsing on ipad ios 9 and above. North superandpension additionalinformationbooklet contents 1. The pds provides members with important information about the main features, benefits, costs and risks of investing in rei super in general and rei super pension in particular. Pension guide pds pdf corporate responsibility and sustainability policy pdf. There is a tax requirement to keep your smsf compliant. Ban on exit fees in super to reflect changes to legislation banning exit fees in super, the following changes are made to the pds and the booklet. Sperannuation oneanswer frontier personal super and pension. Superannuation is a financial product, and as a financial product is requires the statement of disclosure regarding the product. The north guardian investment options are exclusively available to investors who choose one of our amp north guarantees. There is more detail about the contribution caps under section 7, how super is taxed, of this pds.
Superannuation proprietary limited, a member of the amp group of companies. Accumulation account guide 492kb, pdf this guide provides detailed information about the accumulation account. Ho 8 onepath custodians pty limited onepath custodians, trustee abn 12 008 508 496 afsl. Please note that there is a limit on switching from pension to super, while retaining the guarantee, to once a year. The pds or prospectus does not constitute an offer or invitation in any jurisdiction other than in australia. Our account based pension helps you turn your super into a regular income in retirement. Lgiasuper help make understanding super, super easy. Within the how super works section of the pds, a new paragraph is added to the end of the section titled withdrawals accessing your super as follows. Macquarie super and pension manager ii macquarie bank. Electricity supply industry superannuation qld ltd abn 30 069 634 439, afsl 336567 is the trustee for energy super abn 33 761 363 685. The product disclosure statement is an introduction to the features of the accumulation and income accounts.
A product disclosure statement pds helps you understand more about a product so you are able to make an informed decision about which ones to invest in. Product disclosure statements pds and member guides. Our product disclosure statements pds and handbooks contain detailed information about your fund such as costs, benefits and risks. Flexi pension is an accountbased pension offered by unisuper. The pds covers everything from how to invest, to details about fees and charges so be sure to read this information before you apply. 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. Miml is the trustee of super and pension manager ii. Super and pension consolidator is a wrapstyle account designed. Product disclosure statement this product disclosure statement pds is a summary of significant information about investing in oneanswer frontier personal super and pension and contains a number of references to important information contained in the following guides each of which forms part of this pds. Detailed information about each account can be found in the relevant guide.
Information you can find in a pds includes features of the product, fees that apply, the benefits and risks of investing, commissions that may affect your returns, information about. Access to over 330 managed funds, term deposits and listed shares. Mynorth also lets you insure yourself and provide financial security for your loved ones with access to insurance options. Local government superannuation is required to provide a product disclosure statement to ensure that each customers understands how their superannuation works. Updating the information in the superwrap product disclosure. Macquarie super and pension consolidator macquarie bank. Product disclosure statement this product disclosure statement pds is a summary of significant information about investing in oneanswer frontier personal super and pension and contains a number of references to important information contained in the following guides each of. Care super pty ltd trustee abn 91 006 670 060 afsl 235226 care super fund abn 98 172 275 725. 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.
This document is a combined product disclosure statement pds and financial services guide. On page 6 of the pds, the following replaces the key information for the feature of insurance under the insurance and estate planning section of the features at a glance table. 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. This pds is issued by map funds management ltd abn 85 011 061 831, afsl no 240753 referred to as we, our, us. Super and pension product disclosure statement 18 september 2017 contents page 1.
North super and pension guarantee pds part b north super and pension additional information booklet, and north investment options document. The trustee of the fund and issuer of this product disclosure statement pds is n. An innovative solution to grow your super and meet your retirement goals that offers you. Statewide super pension pds the latest statewide super pension product disclosure statement and application form can be found here. We would like to show you a description here but the site wont allow us. Investment markets are the main driver of the portfolios investment returns. Retirement phase, transitiontoretirement ttr and beneficiary income streams bis. Superannuation proprietary limited abn 31 008 428 322, afs licence no. A pension is different to super once you have established an equip pension.
This document is part a of the product disclosure statement pds for north personal superannuation and personal pension. For more information, see the tax features section of the pds. Receive a regular income stream from your super fund 3. This is an update to the north super and pension product disclosure statement part a pds part a, dated 1 july 2014, and should be read in conjunction with the pds. Rest super product disclosure statement pds and forms. Product disclosure statement this is a combined financial services guide and product disclosure statement part 1 key information firstchoice pension spin fsf0218au issue no 20111, dated 11 april 2011 investments in firstchoice pension are offered from the colonial first state firstchoice superannuation trust. Before deciding whether to acquire, or continue to hold, an investment in an advance fund or product, you should consider the relevant product disclosure statement for that.
Woodside superannuation plan is required to provide a product disclosure statement to ensure that each customers understands how their superannuation works. To be read in conjunction with north super and pension guarantee. Account based pension 1 payments 2 investing your pension 4. To find out if you can choose your own super fund, or for further information on choosing your choice of super fund, visit ato. For the best experience when accessing north online, we recommend using one the following browsers. Helping you own your retirement mornington financial fs. The information provided in this pds is general information only and does not take into account your personal financial situation or needs. Product disclosure statement 1 october 2019 this pds is a summary of significant information. This north super and pension guarantee pds part b is an important document as it explains how the guarantees work. Product disclosure statements pds qsuper superannuation fund. Caresuper offers flexible retirement products to invest your super and manage your income. Product disclosure statement vision super saver pds additional guides 2. An income stream allows you to draw an income from your super while the balance remains invested in the super system.
This document contains important additional information about fees and costs for the super plan and pension plan. 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. North personal superannuation and personal pension north guarantee. 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. North super and pension additional information booklet. Superannuation pds, reports and policies lgiasuper. Supplementary product disclosure statement super and pension manager 3. Qsupers member online is a webbased superannuation administration portal owned by the qsuper board abn 32 125 059 006 afsl 489650 the board as.
Superannuation proprietary limited nm super guarantee. A super fund with 4 apples is a high quality fund a 3 apple rating bronze is. Product disclosure statement 1 october 2019 super fair and. Supplementary product disclosure statement rei super. Pdss and member guides avsuper avsuper super for the. Important documents relating to your super can be found here, such as pdss and members guides. You can easily make contributions, withdrawals or transfer your super to your pension without needing to sell your assets. About this product disclosure statement this product disclosure statement pds has been prepared and issued by unisuper limited. The north guarantees provide the flexibility to switch from super to pension, and pension to super while retaining the guarantee. Update to the product disclosure statement find my super. 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. To be read in conjunction with north super and pension. A protected growth guarantee or a protected investment guarantee or a protected.
Theres details about everything from how super works, to how we invest your money, how super is taxed, and associated fees and insurance. You can also keep your super account running alongside your full pension, ttr andor guaranteed income account. Retirement guarantee as described in the north guarantee pds this document is the product disclosure statement pds part a for north personal superannuation and personal. Yourchoice pension product disclosure statement 17 october 2016. This pds contains information about your accumulation 1 account and membership. 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. It contains a number of references to other important information each of which forms part of the pds. A 5 apple rating gold is the highest rating from chant west. M superannuation proprietary limited abn 31 008 428 322 nm. Consider your own circumstances and read our product disclosure statement before making a decision about first state super. Consolidation of other super accounts if you have a number of superannuation accounts, you may be paying fees for each account. 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. This document is part b of the product disclosure statement pds for.
For the avoidance of doubt, these products are not intended to be sold to us persons as defined under regulation s. This pds is issued by map funds management ltd abn 85 011 061. Click to view lgiasuper product disclosure statements, reports and policies. Local government superannuations pds product disclosure. Rest super product disclosure statement pds and forms this pds provides a summary of significant information you should consider before investing in this product. Santos superannuation fund is required to provide a product disclosure statement to ensure that each customers understands how their superannuation works. Nationwide superannuation fund is required to provide a product disclosure statement to ensure that each customers understands how their superannuation works. Superannuation may sound complex but it is really just the money you put away for your retirement. Member booklets and member booklet supplements member booklets. Energy super is an authorised mysuper product provider product number 33 761 363 685 380. Applications from outside australia will not be accepted through the pds.
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