Product disclosure statements

You'll find all the important information you need to know about our products in our product disclosure statements (PDS).

Accumulation 1 (7)

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  • Accumulation 1 Product Disclosure Statement

    This PDS contains information about your Accumulation 1 account and membership. It also includes relevant forms and references to the documents below which you should read with this PDS.

  • How super works

    This important information booklet explains the types of contributions you can make, contributions caps, when you can access your super, withdrawals and Choice of Fund.

  • Risks of super

    This important information booklet explains the main risks of super.

  • How we invest your money

    This important information booklet provides details about each of our investment options, investment switching, how we manage and may change your investment options and our key considerations in determining the investment options.

  • Fees and costs

    This important information booklet explains the fees and costs involved in having an Accumulation 1 account.

  • How super is taxed

    This important information booklet provides information about tax in relation to contributions, contributions caps, fund earnings and withdrawals and the importance of providing your tax file number.

  • Insurance in your super

    This important information booklet includes information about insurance, including how to apply, the level and type of cover available, the cost of cover, eligibility and cancellation of cover, relevant definitions and the other conditions and exclusions that may apply and may affect your entitlement to insurance cover. You should read this before deciding whether the insurance is right for you.

Defined Benefit Division and Accumulation 2 (8)

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  • Welcome to UniSuper information flyer

    Read this information flyer if you’re new to the DBD. It contains an overview of your options as a new DBD member and information on your journey with UniSuper.

  • Defined Benefit Division product guide

    This forms ‘Part 1’ of the Defined Benefit Division and Accumulation 2 PDS. It contains important information you need to know about DBD membership—like how it works, how to make contributions, fees and other costs, tax, insurance, risks and the relevant application forms.

  • Accumulation 2 product guide

    This forms ‘Part 2’ of the Defined Benefit Division and Accumulation 2 PDS. It contains important information you need to know about Accumulation 2 membership—like how we invest your money, fees and other costs, tax, insurance and risks.

  • More about the DBD and Accumulation 2

    This important information booklet contains detailed information about both the DBD and Accumulation 2—more information about the DBD formula, standard member contributions and detailed examples of how your DBD account may work in practice.

  • What happens to your inbuilt benefits if you choose Accumulation 2

    In this document we've set out a summary of what happens to your inbuilt benefits if you decide to transfer from the Defined Benefit Division to Accumulation 2.

  • Insurance in your super

    This important information booklet includes information about insurance, including how to apply, the level and type of cover available, the cost of cover, eligibility and cancellation of cover, relevant definitions and the other conditions and exclusions that may apply and may affect your entitlement to insurance cover. You should read this before deciding whether the insurance is right for you.

  • How super is taxed

    This important information booklet provides information about tax in relation to contributions, contributions caps, fund earnings and withdrawals and the importance of providing your tax file number.

  • How we invest your money

    This important information booklet provides details about each of our investment options, investment switching, how we manage and may change your investment options and our key considerations in determining the investment options.

Pensions (4)

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  • Your guide to pensions - Flexi Pension Product Disclosure Statement

    Key information about the Flexi Pension product and membership plus attached application form.
    Please note the following change to the Flexi Pension PDS since publication:
    Page 24: footnote 13 next to the Flexi Pension ICR column label doesn’t apply.

  • Your guide to pensions - Defined Benefit Indexed Pension Product Disclosure Statement

    Key information about the Defined Benefit Indexed Pension product and membership plus attached application form.
    Please note the following page number changes on the Defined Benefit Indexed Pension application form since publication:
    - ‘Understanding the risks’ should refer to pages 10 and 11.
    - Section 3 page references should be 8 and 9.
    - Section 4 page references should be 4 and 5.
    - Disregard page reference in the second dot point of Section 8.

  • Your guide to pensions - Commercial Rate Indexed Pension Product Disclosure Statement

    Key information about the Commercial Rate Indexed Pension product and membership plus attached application form.
    Please note the following page number changes on the Commercial Rate Indexed Pension application form since publication:
    - ‘Understanding the risks’ should refer to pages 7 and 8.
    - Section 3 page references should be 2 and 3.
    - Section 4 page references should be 2 and 3.
    - Disregard page reference in the second dot point of Section 8.

  • How we invest your money

    This important information booklet provides details about each of our investment options, investment switching, how we manage and may change your investment options and our key considerations in determining the investment options.

Personal Account (7)

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  • Personal Account Product Disclosure Statement

    This PDS contains information about your Personal Account and membership.

  • How super works

    This important information booklet explains the types of contributions you can make, contributions caps, when you can access your super, withdrawals and Choice of Fund.

  • Risks of super

    This important information booklet explains the main risks of super.

  • How we invest your money

    This important information booklet provides details about each of our investment options, investment switching, how we manage and may change your investment options and our key considerations in determining the investment options.

  • Fees and costs

    This important information booklet explains the fees and costs involved in having an Accumulation 1 account.

  • How super is taxed

    This important information booklet provides information about tax in relation to contributions, contributions caps, fund earnings and withdrawals and the importance of providing your tax file number.

  • Insurance in your super

    This important information booklet includes information about insurance, including how to apply, the level and type of cover available, the cost of cover, eligibility and cancellation of cover, relevant definitions and the other conditions and exclusions that may apply and may affect your entitlement to insurance cover. You should read this before deciding whether the insurance is right for you.