Australiansuper: Product Disclosure Statement
Australiansuper: Product Disclosure Statement
Australiansuper: Product Disclosure Statement
28 September 2024
2
2 How super works
Super is an important way for you to save for retirement.
Super is an investment for your future and the sooner money starts going into your account,
the better off you’ll be when you retire. That’s because, over the long term, your super
grows from investment returns and any money that’s added to your account.
There are many ways money can be added (contributed) to your account.
Superannuation Guarantee contributions
Employers pay a compulsory contribution to your super known as the Superannuation
Guarantee (SG). Currently, this is an amount equal to 11.5% of your annual salary (subject
to a salary cap of $65,070 each quarter).
There are also other types of contributions that could help you grow your super.
Personal contributions
Before-tax1 – includes salary sacrifice contributions made by you, any personal
contributions for which you claim a tax deduction and voluntary contributions made by
your employer for which they claim a tax deduction.
After-tax1 – includes any additional contributions you make from your take-home pay,
for which you don’t advise us you wish to claim a tax deduction.
Government co-contributions
If you're a low to middle income earner, you may be entitled to a government
co-contribution if you add to your super from your after-tax pay. For more information
see the Add to your super with government co-contributions fact sheet
at australiansuper.com/FactSheets
Useful information to know
Tax benefits are provided by the government to encourage you to save more for retirement
and grow your super over time.
You generally can’t access your super savings until you reach your preservation age. Your
preservation age varies depending on the year you were born. To learn more about
accessing your super, rollovers and preservation age, visit
australiansuper.com/AccessYourSuper
It’s your super, it’s your choice
Normally you can tell your employer where you want your super to be paid. But in some
cases, it depends on your employment contract. If you don’t make a choice and do not
have an existing super account which is ‘stapled’ to you, they will pay your contributions
to a MySuper compliant super fund.
Protecting your super
If you have an account balance below $6,000, legislation requires us to transfer your
account to the Australian Tax Office (ATO) after 16 months of inactivity. Where possible,
the ATO will transfer your account to your active super fund. To find out how to keep
your AustralianSuper account active, visit australiansuper.com/pys
Combine your super
If you’ve had more than one job in the past, you may have more than one super account
and several insurance policies. If you want to transfer insurance cover you have with
another super fund, you’ll need to transfer your cover before you combine your super.
Learn more about combining your super and transferring insurance cover at
australiansuper.com/combine
1
Depending on your income and personal circumstances, you may be better off contributing before or
after tax, or using a combination of both. The government places limits on the amount that can be
contributed to super. To learn more, visit australiansuper.com/InfoTax
3
3 Benefits of investing with
AustralianSuper
We’re here to help you get the most from your money today and
tomorrow. That’s why we offer simple and effective solutions to help you
manage your account.
Get more from being a member
A range of PreMixed (diversified), DIY Mix (specific asset class) and
Member Direct (self-directed) investment options to choose from, including
our Balanced option backed by a history of strong long-term investment
performance1.
Automatic2 basic age-based Death, Total & Permanent Disablement (TPD)
and Income Protection insurance cover to protect you and those who matter
to you.
Education and webinars on growing your super and planning for retirement
at no additional cost.
1
AustralianSuper Balanced investment option compared to the SuperRatings Fund Crediting Rate
Survey - SR50 Balanced (60-76) Index to 30 June 2024. Investment returns aren't guaranteed. Past
performance is not a reliable indicator of future returns.
2
Eligibility criteria apply - see Section 8 Insurance in your super for details.
3
Personal financial product advice is provided under the Australian Financial Services Licence held by
a third party and not by AustralianSuper Pty Ltd. Some personal advice may attract a fee, which would
be outlined before any work is completed and is subject to your agreement. With your approval, the
fee for advice relating to your AustralianSuper account may be deducted from your
AustralianSuper account subject to eligibility criteria.
Access your account online or download the mobile app to track your super 24/7.
To set up your account online, visit australiansuper.com/register
Download the app here:
Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other
countries. App Store is a service mark of Apple Inc. Google Play and the Google Play
logo are trademarks of Google Inc.
4
4 Risks of super
All investments, including super, have some risk.
How you invest your super will depend on your age, how long you’ll invest your super,
other investments you may have, and your tolerance for volatility.
Volatility is when the returns on your investment go up or down over time. The level of
volatility your super investment could have will depend on the types of assets that your
super is invested in. Examples of assets include investments such as shares, property,
fixed interest, or cash.
Different types of assets have different levels of potential return and volatility. Generally,
higher long-term returns are accompanied by a greater potential for volatility in the
short term.
You can choose from a range of investment options, each with a different mix of assets.
So, the likely investment return and the level of potential volatility of returns involved are
different for each option.
More information
You should read the important information about the risks of investing in super
before making a decision. Download the Investment guide,
from australiansuper.com/InvestmentGuide
The material relating to the risks of investing in super may change between
the time when you read this PDS and the day when you acquire the product.
5
5 How we invest your money
How we invest your money when you join:
1
Investment information is current at the date of publication and may change from time to time.
See australiansuper.com/AssetAllocation for updated information. Investment returns aren’t
guaranteed.
2
CPI stands for Consumer Price Index – which is used as a measure of inflation.
3
As determined by the SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60–76) Index.
4
Investments that represent unique opportunities or strategies. Examples include commodities, hedge
funds and other alternative investment strategies.
6
AustralianSuper has a range of investment options to suit a wide range of investors.
PreMixed options DIY Mix options
Made up of multiple asset classes to provide Primarily made up of exposure to a single asset
different types and levels of risk and potential class. With DIY Mix options you can select a
return. combination of asset classes to suit you.
High Growth Indexed Diversified Australian Shares Cash
Balanced Conservative Balanced International Shares
Socially Aware Stable Diversified Fixed Interest
Member Direct investment option
Our self-managed investment option that allows you to invest in S&P/ASX 300 shares, selected
Exchange Traded Funds (ETFs), Listed Investment Companies (LICs), term deposits and cash.
Changing your investment option
You can choose your preferred investment option in the mobile app or by logging into
your account. It won’t cost you anything to switch. Find out more about choosing or
changing your investment options at australiansuper.com/switching
How your account is invested if you die
From 1 October 2024, your account (including any contributions received after you die)
will be invested in the Cash option after AustralianSuper is notified of your death.
You should read the important information about our investment options before making
a decision. Download the Investment guide from australiansuper.com/InvestmentGuide
The Investment guide contains information about our other investment options including
the risk and expected return over different periods of time. The material relating to
our investment options may change between the time when you read this PDS and
the day when you acquire the product.
You should consider the likely investment return, risk, and your investment
timeframe when choosing an investment option.
7
This section shows the fees and other costs you may be charged for the
AustralianSuper MySuper Balanced investment option. These fees and other costs may
be deducted from your account, from the returns on your investment or from the assets
of the superannuation entity as a whole. You can use this information to compare fees
and costs between different superannuation products. See australiansuper.com/
FeesandCostsGuide for the fees and costs for our other investment options.
You will receive a tax benefit of 15% on any administration fees and any insurance
fees deducted directly from your account. The tax benefit will be paid directly into your
account each month. See Section 7 of this PDS for further information on how super is
taxed.
8
Example of annual fees and costs
This table gives an example of how the ongoing annual fees and costs for the
AustralianSuper MySuper Balanced investment option for this superannuation product
can affect your superannuation investment over a one-year period. You should use
this table to compare this superannuation product with other superannuation products.
Example – AustralianSuper MySuper Balance of $50,000
Balanced investment option
For every $50,000 you have in the
superannuation product, you will be charged $50
in administration fees and costs up to a maximum
Administration fees and 0.10% plus $52 of $350
costs ($1 per week)
plus
you will be charged $52 regardless of your
account balance.
PLUS Investment fees and AND, you will have deducted from your
0.52%
costs investment $260 in investment fees and costs.
AND, you will have deducted from your
PLUS Transaction costs 0.05%
investment $25 in transaction costs.
If your balance was $50,000 at the beginning of
EQUALS the year, then for that year you will be charged
Cost of product1 fees and costs of $387 for the superannuation
product.
1
Additional fees may apply. Assumes your balance of $50,000 is maintained throughout the year.
You will receive a tax benefit of $15.30 on the administration fees shown above which will reduce
the cost of product for the year after tax benefits to $371.70.
The Statement of Advice (or Record of Advice) provided by your Financial Adviser will
set out the fees you’ll pay. Personal financial product advice is provided under the Australian
Financial Services Licence held by a third party and not by AustralianSuper Pty Ltd.
See how fees affect your super
Use the Superannuation calculator at moneysmart.gov.au to see how fees and costs affect
your final super balance.
You should read all the important information about fees and other costs, including
the cost of product for one year for all investment options, the additional explanation
of fees and costs and defined fees, before making a decision because it is important
to understand their impact on your investment – go to australiansuper.com/
FeesandCostsGuide The material relating to our fees and costs may change between
the time when you read this PDS and the day when you acquire the product.
9
7 How super is taxed
Tax on contributions
The tax paid on super contributions depends on the amount and type of contribution. Tax
is deducted after the contribution is received. There are limits on how much you can
contribute, and if you exceed these limits you may pay extra tax.
Type Tax on contributions in 2024/2025
If the total of your taxable income and your before-tax contributions is $250,000 or
less, 15% will be applied to contributions up to the before-tax contributions cap of
$30,000 (or up to your unused before-tax contributions cap for the previous 5 years).
If the total of your taxable income and your before-tax contributions is more than
Before-tax $250,000 per year, your before-tax contributions will be taxed at 30%, to that extent.
contribution
Contributions that exceed the cap will be taxed at your personal rate (less a 15% tax
offset), plus an interest charge.
You can choose to withdraw up to 85% of excess contributions, which won’t then count
towards your after-tax limit.
No tax on amounts up to the after-tax contributions cap of $120,000 a year (or up to
$360,000 over 3 years if certain conditions are met).
You can choose to withdraw any excess contributions plus 85% of its earnings. These
After-tax earnings will be taxed at your personal rate (less a 15% tax offset). If you don’t withdraw
contribution the excess contributions, they will be taxed at 47%1 in the Fund.
There may be restrictions on the after-tax contributions you can make if you already
have a very large balance in your super account/s.
Tax on investment earnings: Investment earnings are taxed at up to 15%. This tax is
deducted from the crediting rate of the relevant investment option, before investment
returns are credited to your account.
Tax on withdrawals: Your super is made up of two components: taxable and tax-free.
There’s no tax payable on the tax-free component. Lump sum withdrawals are generally
tax-free if you’re aged 60 or over. Tax on withdrawals is deducted before you receive
your payment (if applicable).
Tax on taxable component2 if you're under 60
2024/2025 - If you’re aged under 60, your lump sum withdrawal will be taxed at 22%1.
You should provide your Tax File Number (TFN). If we don’t have your TFN, your
before-tax contributions and withdrawals are taxed at a higher rate and we can’t
accept after-tax contributions from you.
Before making a decision, you should read the important information about:
how super is taxed. Go to Tax and super at australiansuper.com/TaxGuide
providing your TFN. Go to australiansuper.com/TFNGuide
The material relating to how super is taxed and providing your TFN may change
between the time when you read this PDS and the day when you acquire the product.
1
Includes the Medicare levy.
2
If your taxable component includes an untaxed element, additional tax may be applied to that element.
10
8 Insurance in your super
Most members receive basic age-based cover (also referred to as default cover) when
they join (age limits and conditions apply). This cover provides a basic level of protection
if you die, or become ill or injured.
Death cover – can provide a lump sum to your beneficiaries if you die.
Total & Permanent Disablement (TPD) cover – can provide a lump sum payment if you
become totally and permanently disabled and can no longer work.
Income Protection – can provide monthly payments to help you get by if you become
ill or injured (at work or outside of work) and can’t work.
If you have Death or TPD cover you’re also covered for terminal illness. A terminal illness
payment can help ease some of the financial stress if you’re suffering from a terminal
medical condition.
AustralianSuper insurance is provided by TAL Life Limited (the Insurer)
ABN 70 050 109 450 AFSL 237848.
11
Insurance costs are deducted monthly from your super account and they reduce
your retirement savings. If you don’t want your basic cover to start automatically
when you become eligible, you can opt out by cancelling it – even if it hasn’t
started yet.
Consider the impact of insurance costs on your retirement savings when you review
your insurance needs. See the Change or cancel your cover anytime section on
page 13 for more information.
Basic Income Protection may be unsuitable if you earn a low income and the age-based
cover amount is more than 85% of your salary. This is because you won’t be able to
claim for the full amount of cover you’re paying for.
If you have Income Protection and you're eligible, your benefit payments will be based on
your pre-disability income and other factors. Benefit payments can’t be greater than 85%
of your pre-disability income (up to 75% is paid to you and up to 10% to your super) and
they may be reduced by income you receive from other sources.
For more information about Income Protection including salary definitions, benefit
payment periods and waiting periods, see the Insurance in your super guide
at australiansuper.com/InsuranceGuide
12
Limited cover and standard exclusions
There are circumstances when your cover (including basic cover) may be limited
cover. Limited cover means you don’t have full cover yet and you won’t be covered for
any pre-existing illness or injuries you had before you got your insurance and it may last
for different lengths of time. You’ll be covered for an illness that becomes apparent, or an
injury that occurs on or after the date that your insurance starts or increases.
Full cover means your cover is not limited cover.
Standard exclusions apply to your cover which mean you will not be covered for death,
illness or injury as a result of certain events.
You should read the important information about limited cover and standard exclusions
before making a decision. Go to the Limited cover and standard exclusions section in
the Insurance in your super guide at australiansuper.com/InsuranceGuide The material
relating to limited cover and standard exclusions may change between the time when
you read this PDS and the day when you acquire the product.
To apply to change your individual work rating, complete the work rating questions
when you join online at australiansuper.com/join or in the Join AustralianSuper form
in this PDS. Once you’re a member log into your account and go to Insurance, then
Manage insurance, Change cover and select Change your individual work rating to
apply. Or complete the Change your individual work rating form at australiansuper.com/
InsuranceForms
1
Due to past employer arrangements, some members may have a work rating of White Collar or
Professional.
13
Age-based cover amounts and costs
The age-based cover amounts available to you depends on your age. The cost of cover
is based on your age and individual work rating. This table shows the Death, TPD and
Income Protection age-based cover amounts and the weekly costs of that cover with a
Blue Collar individual work rating at various ages.
See the full cover amounts and costs in the Insurance in your super guide at
australiansuper.com/InsuranceGuide
Income Income
Death cover TPD cover
Death cover TPD cover Protection Protection
Age weekly cost weekly cost
amount ($) amount ($) amount ($) a weekly cost
($) ($)
month ($)
15 20,000 0.14 10,000 0.10 1,000 0.11
20 50,000 0.36 20,000 0.19 1,500 0.17
25 116,000 0.88 48,000 0.42 1,900 0.40
30 178,000 1.57 61,000 0.77 2,500 0.90
35 180,000 2.02 53,000 1.09 3,000 1.68
40 160,000 2.40 43,000 1.40 3,100 2.48
45 124,000 2.67 29,000 1.46 3,100 3.50
50 80,000 2.65 17,000 1.30 3,000 4.77
55 37,000 2.00 9,000 1.13 2,800 6.22
60 9,000 0.85 5,000 1.10 2,700 8.24
65 9,000 1.28 n/a n/a 2,400 10.08
69 9,000 1.47 n/a n/a 2,200 6.84
Total weekly costs are quoted gross of tax. Costs are rounded.
Your eligibility to claim for benefits will be determined in line with the insurance policy
terms and conditions.
You should read the important information about insurance before making a decision.
Go to the Insurance in your super guide at australiansuper.com/InsuranceGuide
It details terms and conditions about insurance, including costs, your eligibility for
cover, how much you can apply for, what you’re covered for, when it starts and stops,
active employment, limited cover and exclusions, and your insurance options.
The material relating to insurance may change between the time when you read this
PDS and the day when you acquire the product.
14
9 How to open an account
There are two ways you can join us.
15
We’re here
to help
Call 1300 300 273
(8am to 8pm AEST/AEDT weekdays)
Email or message us
australiansuper.com/contact-us
NDING VA
STA L
UT
UE
O
2023
UP
N
IO
S
ER
A NNUAT
Reader's Digest Most Trusted Brands – Superannuation category winner for 12 years
running 2013–2024, according to research conducted by independent research agency
Catalyst Research. Read the full methodology - trustedbrands.com.au/#methodology
AustralianSuper received the Canstar Outstanding Value Award for Superannuation
in 2024 - canstar.com.au/star-rating-reports/superannuation Awards and ratings
are only one factor to be taken into account when choosing a super fund.
Many people find it quicker and easier to open their account online at australiansuper.com/join
or you can use these forms to open and get the most out of your account.
I want to…
Complete this form in full to join AustralianSuper and to start or make changes
Join AustralianSuper
to your basic insurance cover1.
Pay my super into If you have an employer who makes super contributions for you, complete the
AustralianSuper Pay my super into AustralianSuper form included in this booklet and give it to them.
Complete the Combine your super form to transfer your other super account to
Combine my super AustralianSuper. If you want to combine from more than one super account into
into AustralianSuper your AustralianSuper account, you can make photocopies of the form or combine
online at australiansuper.com/combine
Make a binding Complete the Binding death benefit nomination (for super accounts) form to
nomination for my instruct AustralianSuper how to pay your death benefit if you die. For more
super account information on binding nominations and to download the form, please visit
australiansuper.com/beneficiary
If you need any help to fill out any of these forms, please call us on 1300 300 273 between 8am and 8pm
AEST/AEDT weekdays.
1
AustralianSuper insurance is provided by TAL Life Limited (the Insurer), ABN 70 050 109 450, AFSL 237848.
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898. 1266.0 IND JOIN 09/24 ISS24
This page has been left blank intentionally.
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898.
Join AustralianSuper
Please complete in pen using CAPITAL letters and print (✗) to mark boxes where applicable.
We’re authorised under the Superannuation Industry (Supervision) Act 1993 to collect, use and disclose your Tax File
Number (TFN). It's optional to provide your TFN, but if we have it, we’ll be able to accept all types of contributions from
you, you won’t pay more tax than you need to, and it’ll be easier to find your super. If you transfer your super to another
fund, we’ll give them your TFN unless you tell us not to in writing. Visit australiansuper.com/TFNGuide for more details.
Street address
X Yes You’re not eligible to join this division of AustralianSuper, please download the Personal Plan Product
Disclosure Statement and join form at australiansuper.com/PDS or call us on 1300 300 273 for a copy.
X No Please complete your employer’s details below.
Employer's trading name
Street address
Employee number (if applicable) Telephone (business hours) Employer ABN (if known)
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898.
A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for.
Find the TMDs at australiansuper.com/tmd 1266.0 IND JOIN 09/24 ISS24 page 1 of 5
3 Nominate your beneficiaries
Provide details of your legal personal representative or any dependants1 who may be entitled to your super (including any
insurance benefit) if you die. For information on binding nominations please visit australiansuper.com/beneficiary
Relationship Benefit
Full name Address
to you proportion %
1
As defined by Superannuation law. Total must add up to 100.00%
When you use this form to nominate beneficiaries, you’re telling us which of your dependants you’d like us to
pay your super (and any insurance benefit) to if you die. We’re not bound by your nomination, but we use this
information as a guide to work out who to pay your benefit to.
Insurance cover will only be provided in line with the insurance policy terms and conditions as agreed between
AustralianSuper and the Insurer. Those terms and conditions may change from time to time and AustralianSuper
will notify you of those changes where required by law.
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898. 1266.0 IND JOIN 09/24 ISS24 page 2 of 5
4.1 Duty to take reasonable care
The duty to take reasonable care
When you apply for insurance, you are treated as if you are applying for cover under an individual consumer insurance contract.
A person who applies for cover under a consumer insurance contract has a legal duty to take reasonable care not to make a
misrepresentation to the Insurer before the contract of insurance is entered into.
A misrepresentation is a false answer, an answer that is only partially true, or an answer which does not fairly reflect the truth.
This duty also applies when extending or making changes to existing insurance, and reinstating insurance.
If you do not meet your duty
If you do not meet your legal duty, this can have serious impacts on your insurance. Under the Insurance Contracts Act 1984 (Cth)
there are a number of different remedies that may be available to the Insurer. They are intended to put the Insurer in the position
it would have been in if the duty had been met. For example, the Insurer may:
• avoid the cover (treat it as if it never existed);
• vary the amount of the cover; or
• vary the terms of the cover.
Whether the Insurer can exercise one of these remedies depends on a number of factors, including:
• whether reasonable care was taken not to make a misrepresentation. This depends on all of the relevant circumstances;
• what the Insurer would have done if the duty had been met – for example, whether it would have offered cover, and if so,
on what terms;
• whether the misrepresentation was fraudulent; and
• in some cases, how long it has been since the cover started.
Before any of these remedies are exercised, the Insurer will explain the reasons for its decision, how to respond and provide
further information, and what you can do if you disagree.
Guidance for answering the questions in this form
You are responsible for the information provided to the Insurer. When answering questions, please:
• Think carefully about each question before you answer. If you are unsure of the meaning of any question, please ask us
before you respond.
• Answer every question.
• Answer truthfully, accurately and completely. If you are unsure about whether you should include information, please include it.
• Review your application carefully before it is submitted. If someone else helped prepare your application (for example, your
adviser), please check every answer (and if necessary, make any corrections) before the application is submitted.
Please note that there may be circumstances where the Insurer later investigates whether the information given to it was true.
For example, it may do this when a claim is made.
Changes before your cover starts
Before your cover starts, the Insurer may ask you whether the information that has been given as part of your application for
insurance remains accurate or whether there has been a change to any of your circumstances. As any changes might require
further assessment or investigation, it could save time if you let us or the Insurer know about any changes when they happen.
If you need help
It’s important that you understand your obligations and the questions that are being asked. Please contact us for help if you
have difficulty understanding the process of obtaining insurance or answering any questions.
Please also let us know if you’re having difficulty due to a disability, understanding English or for any other reason – we’re here
to help and can provide additional support.
Print (✗) next to each type of cover you wish to cancel. X Death X TPD X Income Protection
1
ersonal financial product advice is provided under the Australian Financial Services Licence held by a third party and not by AustralianSuper Pty Ltd. Some personal
P
advice may attract a fee, which would be outlined before any work is completed and is subject to your agreement. With your approval, the fee for advice relating to your
AustralianSuper account may be deducted from your super account subject to eligibility criteria.
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898. 1266.0 IND JOIN 09/24 ISS24 page 3 of 5
4.3 Start your basic cover now
Complete this section to start your basic cover. If you're receiving employer super contributions, you can apply to start your
basic cover, even if you haven't met both age and balance requirements.
We'll confirm when your basic cover will start once we've processed your application. See the Insurance in your super guide for
when cover starts.
The cost of your cover will be deducted monthly from your super account from the date your cover starts.
If you don't want all of your basic cover to start, you can cancel part of your cover (section 4.2).
1. Are the usual activities of your main job ‘white collar’? Yes X No X
This means:
• you spend more than 80% of your job doing clerical or administrative activities in an office-based
environment, or
• you’re a professional using your university qualifications in a job that has no unusual work hazards
(some examples of unusual work hazards include: working underground, working underwater, working
at heights or working in the air).
2. Do you earn $100,000 or more a year (excluding Superannuation Guarantee (SG) contributions) from
your job(s)? Yes X No X
This amount is pro rata for part time employment (for example, if you work part time 4 days a week
and earn $96,000 a year, your pro rata/full time equivalent is $120,000).
3. Do you have a university qualification? Yes X No X
4. Do you have a management role in your company? Yes X No X
For more information about our investment options, download our Investment Guide at
australiansuper.com/InvestmentGuide
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898. 1266.0 IND JOIN 09/24 ISS24 page 4 of 5
6 Give your financial adviser access to your account details
Completing this section of the form will give your financial adviser and their staff access to your account details.
If you have previously granted a financial adviser access to your account details, providing details of a new adviser here will
remove access for the previous adviser.
Full name of financial adviser1
Name of business
1
Mandatory fields
Sign here
Date
D D M M Y Y Y Y
Print full name
A summary of AustralianSuper’s Privacy Collection Statement is at the front of this booklet. Our Privacy Collection
Statement and Privacy Policy may change from time to time. The latest versions will be available online at
australiansuper.com/CollectionStatement and australiansuper.com/privacy
For information on the Insurer’s privacy and information-handling practices, read their Privacy Policy Statement at
tal.com.au/privacy or call 1300 302 961 for a copy.
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898.
Pay my super into AustralianSuper
Give this completed form to your employer. Don’t send it to us or the Australian Taxation Office.
Please complete in pen using CAPITAL letters and print (✗) to mark boxes where applicable.
1 Member to complete
Please complete your details below and provide this form to your employer if you want them to pay your super into your
AustralianSuper account.
Employee details
Employee name:
Sign here
Date
D D M M Y Y Y Y
Print full name
Give this form to your employer. Don’t send it to us or the Australian Taxation Office.
Fund details
A U S T R A L I A N S U P E R
Fund name:
S T A 0 1 0 0 A U
Unique Superannuation Identifier (USI):
6 5 7 1 4 3 9 4 8 9 8
Australian Business Number (ABN):
1 3 0 0 3 0 0 2 7 3
Fund telephone number:
Call us on 1300 300 273 if you need help understanding your employer super obligations or making
payments for your employees.
1
uickSuper is a registered trademark and a product owned and operated by Westpac Banking Corporation ABN 33 007 457 141. Westpac’s terms and conditions
Q
applicable to the QuickSuper service are available after your eligibility for the clearing house service is assessed by AustralianSuper. A Product Disclosure Statement (PDS)
is available from Westpac upon request. AustralianSuper doesn’t receive any commissions from Westpac if employers use this service. AustralianSuper doesn’t accept
liability for any loss or damage caused by use of the QuickSuper service, except to the extent that loss or damage is caused by any fraud, negligence or wilful misconduct
by AustralianSuper (or its agents, employees, officers or contractors). This does not exclude, restrict or modify, or have the effect of excluding, restricting or modifying
AustralianSuper's liability for breach of a statutory warranty or condition implied by law, including Australian consumer protection laws. You can choose to make your
contributions using a different service, but it needs to meet the government’s minimum data standards, visit ato.gov.au
2
ou can choose to submit your contributions using a different service, but it needs to meet the government’s minimum data standards as legislated in the Stronger Super
Y
reforms. You can find out more by visiting ato.gov.au/Business/Super-for-employers/Paying-super-contributions
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898. 1266.0 IND JOIN 09/24 ISS24 page 1 of 1
This page has been left blank intentionally.
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898.
Combine your super
Request to transfer (rollover) the whole or a partial balance of your other super account to AustralianSuper
Please complete in pen using CAPITAL letters and print (✗) to mark boxes where applicable. Form must be completed in full.
If you want to combine super from multiple accounts, you'll need to complete a separate form with original signatures for each
account you wish to combine. Alternatively you can combine multiple accounts online at australiansuper.com/combine
Street address
Previous street address (if details with your FROM fund are different to those above)
Before combining (consolidating) super from your other super account, you should consider any fees and costs that may apply
and the effect a transfer may have on benefits in your other fund such as insurance cover. If you want to transfer insurance cover
you have with your other super account to AustralianSuper, you'll need to transfer it before you combine your super. Download
an Insurance transfer form at australiansuper.com/InsuranceForms If you wish to claim a tax deduction for personal super
contributions, you must lodge a notice of intent to claim a tax deduction with your other fund, before you combine your super.
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898. 1266.0 IND JOIN 09/24 ISS24 page 1 of 2
4 Your tax file number
X Use my Tax File Number (TFN) to process my super transfer.
Enter your TFN here
By giving us your TFN, you are authorising us to give this information to your other super fund. They'll confirm your ID with
the Australian Taxation Office. It’s optional to provide your Tax File Number (TFN) but there are several advantages if you do.
See 'Providing your TFN' below for more information.
Sign here
Date
D D M M Y Y Y Y
Print full name