Product Disclosure Statements

This PDS contains information about the Personal Account product and membership. It also includes references to the documents below which you should read with this PDS.

This important information booklet explains the fees and costs involved in having a Personal Account.

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.

This important information document 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.

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.

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

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

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

This important information document 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.

This important information document 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.

This PDS contains information about the Defined Benefit Division and Accumulation 2 products and membership. It also includes the application forms and references to the documents below which you should read with this PDS.

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

This important information document 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.

This important information document 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.

This PDS contains information about the Flexi Pension product and membership. It also includes the application form and references to the document below which you should read with this PDS. 

This important information document 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.

This PDS contains information about the Lifetime Income product and membership. It also includes the application form.

This PDS contains information about the Defined Benefit Indexed Pension product and membership. It also includes the application form.

This TMD seeks to provide individuals considering acquiring the Personal Account product, and distributors of the Personal Account product, with an understanding of the types of individuals for whom this product has been designed.

This TMD seeks to provide individuals considering acquiring the Accumulation 1 product, and distributors of the Accumulation 1 product, with an understanding of the types of individuals for whom this product has been designed.

This TMD seeks to provide individuals considering acquiring the Accumulation 2 product, and distributors of the Accumulation 2 product, with an understanding of the types of individuals for whom this product has been designed.

This TMD seeks to provide individuals considering acquiring the Flexi Pension product, and distributors of the Flexi Pension product, with an understanding of the types of individuals for whom this product has been designed.

This TMD seeks to provide individuals considering acquiring the Lifetime Income product, and distributors of the Lifetime Income product, with an understanding of the types of individuals for whom this product has been designed.