The incorporated by reference materials form part of the pds and you should also read these documents. This macquarie 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, the macquarie super and pension manager supplementary pds dated 28 september 2015 and the other disclosure documents which are incorporated by reference. Issuenumber,18february2020 summit personalsuperand personalpension productdisclosurestatement registeredtrademarkofnmmtlimitedabn42058835573. What is an accountbased income streamaccountbased pension. The fund is a public offer superannuation fund, regulated. Energy super is an authorised mysuper product provider product number 33 761 363 685 380. Refer to the product disclosure statement and canstars fscg.
Whether youre looking for unlimited plans and coverage levels, automated benefits eligibility, autohousekeeping of valuations and premiums, or more, the vista benefits component will bring you and your team peace of mind. Product disclosure statement pds our pds and information booklets cover everything from how super works to associated costs and fees. This pds provides a summary of significant information you should consider before investing in this product. The product disclosure statement is an introduction to the features of the accumulation and income accounts. Fund abn fund name usi spin product name contribution restrictions. Accountbased income streamaccountbased pension is a pension paid generally on retirement from superannuation benefits standing to the credit of your account. 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. Retirement first state super australian superannuation. Rest super product disclosure statement pds and forms.
Colonial first state download a product disclosure statement pds firstchoice employer super member product disclosure statement 1 april 2020 investment options menu 18 november 2019. The material relating to how super works may have changed during the period from the day you acquired the product and the time when you read this pds. Colonial first state firstchoice personal super no. Abn 39 100 103 722 level 6, 161, collins street melbourne vic 3000. 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 issue of the firstchoice pension pds is authorised solely by colonial first state. Hesta income stream product disclosure statement pds hestaincomestreampds pdf, 3 mb. Product disclosure statements pds and member guides. Our account based pension helps you turn your super into a regular income in retirement. All of these information booklets form part of the pds and you should read them before deciding to join statewide super.
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. Welcome to first super and this product disclosure statement pds. Consider your own circumstances and read our product disclosure statement before making a decision about first state super. A 5 apple rating gold is the highest rating from chant west. The following information referred to in the pds is provided below. We are the industry super fund for workers in the timber, pulp and paper, furniture and joinery industries. Firstchoice personal super and pension colonial first state. Were one of australias largest industry funds providing superannuation, insurance, advice and. Colonial first state investments limited abn 98 002 348 352, afs licence 232468 colonial first state is the issuer of super, pension and investment products. Financial planning services are provided by our financial planning business state super financial services australia limited, trading as stateplus, abn 86 003 742 756, afsl no.
For people who are selfemployed or in a business partnership. Hesta personal super product disclosure statement pds hestapersonalsuperpds pdf, 866 kb. The information provided in this pds is general information only and does not take into account your personal financial situation or needs. Product information including super, investments and insurances. Our benefits features are built for you and put you at the core of everything we do. 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. Product disclosure statements pds qsuper superannuation fund. We also recommend that you maintain up to date virus protection software on your computer which should assist in protecting it from malicious software and spyware.
Qsuper can cancel or suspend your access to member online at any time, at our discretion without notice. Sperannuation oneanswer frontier personal super and pension. Before acting on this advice you should determine if it is appropriate for you. A super fund with 4 apples is a high quality fund a 3 apple rating bronze is the third highest rating from chant west. Supplementary product disclosure statement rei super. Retirement first state super australian superannuation fund. Apr 25, 2016 colonial first state investments limited abn 98 002 348 352, afs licence 232468 colonial first state is the issuer of super, pension and investment products. Firstchoice wholesale pension colonial first state. Seek professional financial advice, consider your own circumstances and read our product disclosure statement before making a decision about first state super. Retirement phase, transitiontoretirement ttr and beneficiary income streams bis. Member booklets pds find out more about the features and benefits that come with being a member. A first super allocated pension lets you decide who gets whats left in your account after youre gone, by nominating a reversionary beneficiary to continue to receive your pension payments or by making a binding beneficiary nomination. Accumulation account guide 492kb, pdf this guide provides detailed information about the accumulation account. Apart from colonial first state, neither the bank nor any of its subsidiaries are responsible for any statement or information contained within the pds relating to firstchoice pension.
You can apply for a hesta income stream via the income. Hesta product disclosure statements hesta super fund. The fiducian superannuation service is a streamlined superannuation master trust designed to help you build and manage your wealth before and after retirement. These products are offered by first state super as a result of the successor fund transfer of the stateplus retirement fund to the first state superannuation scheme on 1 july 2019. This document may include general advice but does not take into account your individual objectives, financial situation or needs. First state superannuation scheme first state super super. This pds contains information about your accumulation 1 account and membership. This document is a combined product disclosure statement pds and financial services guide. Flexi pension is an accountbased pension offered by unisuper. Our product disclosure statements pds and handbooks contain detailed information about your fund such as costs, benefits and risks.
Product disclosure statements product disclosure statements. First state super first state super first state super. Pds and heritage software solutions implement vista payroll in record time for rolfson oil. Colonial first state download a product disclosure.
Before acquiring a product, first read its product disclosure statement. The new rules, which come into effect 1 july 2019, are designed to protect members from paying unnecessary fees and insurance premiums. Some products and services offered on this website are provided by third parties. State super retirement funds pds product disclosure. About this product disclosure statement this product disclosure statement pds has been prepared and issued by unisuper limited. Issuenumber,18february2020 summit personalsuperand. Please click on the links to the and for this website. The trustee may change any of the terms and conditions. Product disclosure statement 1 october 2019 equip super. Product disclosure statement 1 october 2019 this pds is a summary of significant information. First state superannuation scheme is required to provide a product disclosure statement to ensure that each customers understands how their superannuation works. Superannuation is a financial product, and as a financial product is requires the statement of disclosure regarding the product. Apr 01, 2020 choosing a super fund is difficult enough, and its not helped by the fact there are hundreds of different super funds offering seemingly identical products.
Important documents relating to your super can be found here, such as pdss and members guides. Electricity supply industry superannuation qld ltd abn 30 069 634 439, afsl 336567 is the trustee for energy super abn 33 761 363 685. Colonial first state download a product disclosure statement pds firstchoice wholesale personal super and pension product disclosure statement includes application forms 18 november 2019 investment options menu 18 november 2019. Fund abn fund name usi spin product name contribution.
Detailed information about each account can be found in the relevant guide. This website contains general advice, not taking into account your objectives, financial situation or needs. Product disclosure statements the information contained in this list is general information only and does not take into account your personal objectives, financial situation andor needs. State super retirement fund is required to provide a product disclosure statement to ensure that each customers understands how their superannuation works. 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. First state superannuation schemes pds product disclosure. Benefits of investing with oneanswer frontier personal super and pension oneanswer frontier personal super and pension enables you to. Youll find all the important information you need to know about our products in our product disclosure statements pds. Before you make an investment decision it is recommended you obtain professional financial advice from your financial adviser tailored to your personal circumstances. Its flexible structure allows you to implement the investment strategies that suit your risk requirements, investment time frame and growth and income needs. First state superannuation scheme first state super has 25 investment options, 1 mysuper products authorised, and 62% of its total assets are invested in a default or mysuper strategy. For a super fund to earn 5 apples it must be one of the highest quality funds a 4 apple rating silver is the second highest rating from chant west. It sets out information about our retirement income stream. Theres details about everything from how super works, to how we invest your money, how super is taxed, and associated fees and insurance.
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