Everyone has different financial needs. As a member of the Fund, you can consider your needs and choose from the available superannuation options to help you achieve your overall financial goals. If you are interested in any of the options discussed below, simply click on the links to obtain more information. If you have any questions about a specific option, you may want to contact the Fund directly.
This area provides a restricted, member-only access to your latest account details. To register to use the My Account facility, you will first have to nominate a personal Password (must consist of 4 to 8 digits or letters). Once your request has been processed, you will have access to your latest personal and financial account details. You can view the value of your current benefit, insured benefits, and contribution arrangements. This information is very important to help you regularly monitor the growth of your benefit.
Members have the ability to choose from five Investment Options. Each Option has been structured differently to cater for various risk profiles that members may have. The actual asset allocation for the various Investment Options are reviewed and monitored on a regular basis.
You can increase the growth of your superannuation in several ways.
Personal Contributions and Co-Contributions
Eligible members may provide a regular contribution from your salary and receive additional employer support.
You can also nominate or adjust your rate of contribution.
This option is only available to selected or invited employees.
Alternatively, you can also provide voluntary contributions or deposit lump sum amounts. What's more, you may be eligible for a generous co-contributions from the Federal Government.
Salary Sacrifice
You may be able to provide your contributions on a salary sacrifice
basis, saving tax! If your employer agrees, you can contribute before-tax
dollars to your super account rather than receiving them as income.
These extra dollars, less contribution tax of 15%, go straight to
your account and because the Fund pays only 15%, you save the difference
between this and your personal income tax rate, a saving which further
increases your super account. Click here
to see available forms.
Consolidate and Save
In these days of a mobile workforce and frequent career changes, you may well have been a member of several super schemes over the years.
If you haven't moved your account balance each time you changed jobs and funds, you probably still have money in several different accounts. Each of these accounts is almost certainly charging you a fee. You may consider rolling over your old accounts into your current one.
Before you combine your old accounts please take a moment to check with the other funds if any exit fees apply as well as if this change will impact on insurance cover you may have.
Combining your superannuation account is often as simple as completing and returning an Easy Rollover Form - we will do the rest for you.
It is important to think about insurance cover as part of your total financial plan.
Imagine for a minute what it would be like if you were off work for an extended period because of sickness or injury. Or worse, how would your family cope with your unexpected death or total and permanent disablement? How will you or they pay the bills? Will you or they have enough? More often than not, these will be times of uncertainty.
Insuring your life and income against the potential risks of death, total and permanent disablement or temporary disablement can be a very worthwhile decision. After all, you probably already insure assets such as your car, your home or your personal valuables. Why? Because it makes sense, as you recognise there is a risk that these assets could be damaged or destroyed.
This is why it makes even more sense to protect your most important assets - you and your family.
You can leave your benefit within the Fund, even after you have left employment. Low administration fees and investment earnings (these can be positive or negative) will still be applied to your account. You can choose to transfer your benefits at any time.