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 0.38%, Growth 0.35%, Balanced 0.31%, Stable 0.28%, Capital Guarded 0.29%, Australian Shares 0.22%, International Shares 0.32%, Property 0.07%, Bonds 0.18%, Cash 0.10%, Term Deposit 0.00% Pre retirement pension Aggressive 0.39%, Growth 0.37%, Balanced 0.32%, Stable 0.29%, Australian Shares 0.22%, International Shares 0.33%, Property 0.07%, Bonds 0.18%, Cash 0.10%	We generally calculate and deduct this fee daily when unit prices are determined
Administration fee	$180 pa	Deducted proportionally from your account monthly.
Buy-sell spread	Nil
Switching fee	Nil
Exit fee²	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 costs³	Nil
Indirect cost ratio¹	Account based pension Aggressive 0.44%, Growth 0.49%, Balanced 0.53%, Stable 0.52%, Capital Guarded 0.52%, Australian Shares 0.00%, International Shares 0.00%, Property 0.05%, Bonds 0.11%, Cash 0.01%, Term Deposit Nil Pre retirement pension Aggressive 0.43%, Growth 0.48%, Balanced 0.51%, Stable 0.47%, Australian Shares 0.00%, International Shares 0.00%, Property 0.05%, Bonds 0.11%, Cash 0.01%	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.

¹The investment fees and indirect costs shown are estimated by reference to investment related fees and costs, including underlying investment manager costs, incurred for the 12 month period to 30 June 2018. Accordingly, actual investment and indirect costs over the current period of the PDS will vary based on actual fees and costs incurred in that period.

²If you invest in the Term Deposit investment option, the financial institution that issues your term deposit might charge early exit or termination fees if you terminate your term deposit before the expiry of the fixed term. Details of these fees will be available at the time you make an investment and vary across financial institutions. These fees are not charged by the Mine Superannuation Fund. The Term Deposit investment option isn't available in our pre retirement pension.

³We may apply other fees and costs which relate to family law splits, answering subpoenas and advice fees for personal advice. See the Additional explanation of fees and costs for further details.

Compare us

See how our pension fees stack up against other pension providers.

Free Chant West AppleCheck comparison tool

I accept the terms and conditions detailed below

Terms and conditions

^{You will be linked to the Chant West website. Chant West
AppleCheck is provided solely by Chant West Pty Limited ABN 75 077 595 316 and
not by Mine Super or by Chant West acting as Mine Super agent. Accordingly,
Mine Super accepts no responsibility for the accuracy, quality or fitness of
the information or services provided by Chant West. Chant West AppleCheck is
being provided to you for no charge at the request and cost of Mine Super.
Accordingly, Chant West will provide Mine Super with a copy of the personal
information you provide above. In all other respects, Chant West will treat the
personal information you provide in accordance with its Privacy Policy.}

^{Chant West may provide Mine
Super with a copy of the personal information you provide to access AppleCheck.
Mine Super may use this information to contact you and provide further details
about the products and services we offer. In all other respects, Mine Super
will treat this personal information in accordance with our Privacy
Statement Mine Super may purchase products from Chant West on commercial
terms but isn't a shareholder in Chant West and has no influence over the
research results and ratings.}

^{The information is not a
substitute for financial advice. It doesn't take into account your objectives,
financial situation or specific needs. You should consider seeking advice
before acting on any of this information. If you have a choice about whether to
join this Fund you should first consider our Product Disclosure Statement,
which you can download from this website or call 13 64 63 to request a copy. If
you need personal financial advice Mine Super Financial Advice can help. As
salaried employees, Mine Super Financial Advice fully qualified advisers can
look at your financial position and put in place strategies specifically
tailored to your circumstances and needs. Call 13 64 63 to speak to an adviser
or arrange a face to face meeting at one of the many regional centres of Queensland,
New South Wales, Western Australia and Tasmania.}