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

Accumulation 1 Product Disclosure Statement
PDF • 895 KB
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.
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How super works
PDF • 637 KB
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.
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Risks of super
PDF • 518 KB
This important information booklet explains the main risks of super.
Download

How we invest your money
PDF • 1.27 MB
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.
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Fees and costs
PDF • 583 KB
This important information booklet explains the fees and costs involved in having an Accumulation 1 account.
Download

How super is taxed
PDF • 584 KB
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.
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Insurance in your super
PDF • 1.13 MB
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.
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Defined Benefit Division and Accumulation 2

Defined Benefit Division (DBD) and Accumulation 2 Product Disclosure Statement
PDF • 2.5 MB
Key information about your Defined Benefit Division or Accumulation 2 account and membership plus the application form.
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What happens to your inbuilt benefits if you choose Accumulation 2
PDF • 1.01 MB
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.
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Insurance in your super
PDF • 1.13 MB
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.
Download

How super is taxed
PDF • 584 KB
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.
Download

How we invest your money
PDF • 1.27 MB
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.
Download
Pensions

Flexi Pension Product Disclosure Statement
PDF • 2.24 MB
Key information about the Flexi Pension product and membership plus attached application form.
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Defined Benefit Indexed Pension Product Disclosure Statement
PDF • 3.38 MB
Key information about the Defined Benefit Indexed Pension product and membership plus attached application form.
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Please note the following changes to the Defined Benefit Indexed Pension PDS 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.

Privacy policy update
From September 2020, we may transfer or disclose your personal information to overseas entities in a broader range of countries.
Read more about our overseas disclosure of personal information in our Privacy policy (PDF, 95 KB).

Commercial Rate Indexed Pension Product Disclosure Statement
PDF • 3.87 MB
Key information about the Commercial Rate Indexed Pension product and membership plus attached application form.
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Please note the following changes to the Commercial Rate Indexed Pension PDS 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.

Privacy policy update
From September 2020, we may transfer or disclose your personal information to overseas entities in a broader range of countries.
Read more about our overseas disclosure of personal information in our Privacy policy (PDF, 95 KB).

How we invest your money
PDF • 1.27 MB
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.
Download
Personal Account

Personal Account Product Disclosure Statement
PDF • 1.12 MB
This PDS contains information about your Personal Account and membership.
Download

How we invest your money
PDF • 1.27 MB
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.
Download

Insurance in your super
PDF • 1.13 MB
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.
Download

Fees and costs
PDF • 583.62 KB
This important information booklet explains the fees and costs involved in having a Personal Account.
Download

How super works
PDF • 637.71 MB
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.
Download

Risks of super
PDF • 518.41 MB
This important information booklet explains the main risks of super.
Download

How super is taxed
PDF • 584.00 KB
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.
Download

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