Fees and taxes

Fees

We’ll deduct some money from your account to cover the cost of looking after and investing your money.

Because we’re a profits-to-member fund, our fees are set to cover our costs only. We don’t pay dividends to shareholders or commissions to financial advisers. This means we return more to you through lower fees and charges.

Type of fee	Amount	How and when paid
Investment fee¹	Account based pension Aggressive 0.45%, Growth 0.40%, Balanced 0.35%, Stable 0.28%, Capital Guarded 0.28%, Australian Shares 0.29%, International Shares 0.34%, Property 0.08%, Bonds 0.18%, Cash 0.10%, Term Deposit 0.00% Pre retirement pension Aggressive 0.49%, Growth 0.44%, Balanced 0.35%, Stable 0.29%, Australian Shares 0.30%, International Shares 0.34%, Property 0.08%, Bonds 0.17%, Cash 0.10%	We generally calculate and deduct this fee daily when unit prices are determined
Administration fee¹	$15 per month	Deducted proportionally from your account monthly.
Buy-sell spread	Nil
Switching fee	Nil
Advice fees	We offer a complimentary appointment with a financial adviser for all members and personal advice fees are up to a maximum of $2,750.	You pay or, for the portion of the advice that is super related, you can choose to have it deducted from your super account.
Other fees and costs²	Nil
Indirect cost ratio¹	Account based pension Aggressive 0.41%, Growth 0.44%, Balanced 0.50%, Stable 0.44%, Capital Guarded 0.44%, Australian Shares 0.00%, International Shares 0.00%, Property 0.10%, Bonds 0.11%, Cash 0.04%, Term Deposit 0.00% Pre retirement pension Aggressive 0.38%, Growth 0.45%, Balanced 0.55%, Stable 0.46%, Australian Shares 0.00%, International Shares 0.00%, Property 0.09%, Bonds 0.11%, Cash 0.04%	This is an estimate of the annual indirect cost ratio for each investment option. The actual costs are deducted from the return paid to the Fund when each unit price is determined.

¹If your account balance for a product offered by the superannuation entity is less than $6,000 at the end of the entity’s income year, the total combined amount of administration fees, investment fees and indirect costs charged to you is capped at 3% of the account balance. Any amount charged in excess of that cap must be refunded.

²We may apply other fees and costs which relate to family law splits, answering subpoenas, advice fees for personal advice and term deposit early withdrawal fees. See the ‘Additional explanation of fees and costs’ in the Pension PDS for further details.

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