Qsuper balanced fees booklet

Qsuper product disclosure statement for accumulation and income. With a proven record of strong performance our members have enjoyed the benefits of strong longterm returns with less risk. Thats why were determined to deliver great returns, low fees and a diverse. The return quoted is our performance against industry and market benchmarks, and is net of fees and tax. Investment fees are deducted from the daily unit prices for more information refer to the sunsuper for life investment guide. To achieve returns after fund taxes and investment expenses, before deducting accountbased fees that are at least 3. Theres a printed induction pack, comprising a qsuper information booklet and welcome factsheet providing your team with key information about the super fund.

Qsuper has the flexibility to invest within these predetermined ranges. Returns for periods longer than one year are annualised. Frequently asked questions qinvest financial advice. Investment fees and icrs for other investment options are paid at the same frequency and in the same manner as the balanced investment option. Chant west does not issue, sell, guarantee or underwrite this product. The qsuper lifetime outlook option outperformed the relevant superratings index over 1 and 5 years to 30 june 2019. Take the total fee for your investment option and multiply it by your balance. The investment fee and icr investment fees and costs are estimated for. Disclosure statement for accumulation and income accounts 483kb, pdf.

Fund strategy the fund strategy is not currently available for this fund. It is designed to protect members by ensuring certain rules are met in relation to investment strategy, fees and insurance cover. Fees and costs additional information australiansuper. Anz smart choice super for employers and their employees. While fees are necessary to cover the cost of managing your money, qsuper has an annual cap on administration fees. The abn for the qsuper defined benefit account product is 60905115063. The qsuper balanced option outperformed the relevant superratings index over the 10 years to 30 june 2019.

Detailed fund information unit name qsuper balanced option sector mixed asset balanced launch date 01feb1998 fund size as at 01jan1901primary. To invest in a diversified portfolio of mainly growth assets such as australian and international shares, property, infrastructure and. Qsupers value beyond a balance simon hoyle july 29, 2016 2. Qsuper, the 65 billion fund for queensland government employees and their spouses, has taken out the title of australias top performing superannuation fund over the last financial year. Suitable for investors who are close to or in retirement. For more information about other fees and costs, refer to industry division pds or personal division pds and the member booklet. Qsupers value beyond a balance investment magazine. Super investment management pty limited abn 86 079 706 657, afsl 240004, a wholly owned subsidiary company of rest, manages some of the funds investments. See additional explanation of fees and costs at reffees. We dont charge fees to switch your investments, make a withdrawal or close your account.

We aim to make our fees transparent, straightforward and easy to understand. The usi for qsuper defined benefit account is qsu0102au. But we are committed to running things as if your money is our own. Book a place at one of our seminars to find out more about. For more information on what these details describe, please scroll down for a more detailed description. On 1 december 2016, the queensland government passed legislation lifting application restrictions from just government employees and their spouses, which took effect on 30 june 2017. Visibility across your investments, smsf, super and insurance. Sunsuper for life pds and membership application form. Mysuper is a governmentdriven initiative for members default superannuation contributions.

This is the case with club plus super, which provides six investment options for our pension fund and seven investment options for our superannuation fund. Click below to see how they compare to other funds. Other fees and costs2 refer to additional explanation of fees and costs. Super investments investing for retirement vicsuper. Qsuper s member online is a webbased superannuation administration portal owned by the qsuper board abn 32 125 059 006 afsl 489650 the board as trustee for qsuper abn 60 905 115 063 the fund. Qsuper cuts administration fees financial standard. Qsuper has cut its administration fee from 18 basis points to 16 basis points its third cut to admin fees since 2015. Member join first state super australian superannuation fund. The table below shows the fees relating to industry and personal division superannuation. Indirect cost ratio indirect costs are expenses incurred in managing your investments in addition to investment fees, and include explicit operational and.

Qsuper tops ranking of australian superannuation funds. For periods greater than one year, the return is a compound annualised return, net of fees and tax. Other fees, such as activity fees, advice fees for personal advice and insurance fees, may also be charged, but these will depend on the nature of the activity, advice or insurance chosen by you. Qsuper grapples with retirement income in lowreturn world. Super fees are low and simple to understand with no. Were here to help deliver solid, longterm investment returns for our members. If the value of the administration fee cap rebate is 5% or more of your balance. Other fees and costs includes fees paid to the custodian to hold the assets of the fund, amounts paid to accountingaudit and tax specialists, costs associated with the funds securities lending program and the trustees charge of 0. For periods of one year or less, the return is net of fees and tax. Important information about how superannuation works including income accounts, and more details of the fees and costs that. Learn what else to look for when finding the best super fund in australia. These figures have been rounded for member reporting.

Administration fees are what we charge to keep the fund running and importantly for you growing. Qsuper has 588,434 members, which ranks it at number 15 largest of 150 funds. Check your balance and transactions, make additional. Apart from this, rest does not have any relationships or associations with any related body corporate or product issuer that might reasonably be expected to be capable of influencing. Qsuper balanced option fe fundinfo crown rating factsheet as at. For more information on super investment fees, refer to the investment booklet. Bt cash management account fees and charges brochure and interest rate schedule pdf. Qsuper grapples with retirement income in lowreturn world sally rose january 27, 2017 5. The funds above have the lowest fees within the balanced investment option for public and limited public offer funds only as at 31 december. Our income account won money magazines best balanced pension product for 2020. The information on this website has been prepared for general purposes only without taking into account your financial objectives, situation, or needs, and should not be relied on as legal or taxation advice, nor does it take the place of such advice, so it may not be appropriate for your circumstances. The abn for the qsuper accumulation account product is 60905115063. And were here to help you do that by keeping our fees as low as possible.

Awards and ratings are only one factor when deciding how to invest your super. Your qinvest adviser will let you know about any advice fees before you choose to go ahead. Past performance is not a reliable indicator of future returns. With qsuper income protection cover, you can benefit from having cover as part of your superannuation fund and you will be entitled to a monthly benefit.

Tax and super and insurance fees and other costs relating to insurance are set. This table gives an example of how the fees and costs for the balanced option for this superannuation product can. Qsuper accumulations pds product disclosure statement. This option has a 100% allocation to growth assets and a very high risk of fluctuating returns. Qsuper takes insurance inhouse with qinsure canstar. You can book an appointment at any time via our online enquiry form if you prefer to speak to someone, please call us on 1800 643 893. Fees are just one thing to consider when choosing a super fund. Qsuper had a growth in the number of member accounts in the 2019 financial year of 1%, which is the 48 largest growth of the 150 funds that provided this information. Balanced option returns as at 31 may 2017 since inception in august 1985. Qsuper balanced has of its holdings invested in non fossil fuel companies. Other fees, such as fees for personal advice and insurance fees, might be charged, depending on the advice or insurance you choose. After all, superannuation is all about growing your retirement savings. Self invest lets you take full control of where your super is invested, by giving you.

Qsuper accumulation is required to provide a product disclosure statement to ensure that each customers understands how their superannuation works. Fees include percentagebased administration fees, member fees, investment management fees including performancebased fees, indirect cost ratios and taxes, but exclude any applicable employer size rebates. Etf management fees are deducted by the etf manager before the return of the underlying etf investment is declared. Superannuation is a financial product, and as a financial product is requires the statement of disclosure regarding the product. Our pds and range of helpful guides contain everything you need to know about. It is suited to those with a very high tolerance for risk and a sevenyear plus investment time frame. Plus indirect costs for the balanced investment option, nil, and. The usi for qsuper accumulation account is qsu0101au. For further information about the methodology used by chant west, see. Prepared and issued by the qsuper board abn 32 125 059 006, afsl 489650 as trustee. A super account with low fees1 and strong longterm returns2. Taxes are set out in the member booklet supplement.

This table shows the investment returns for each of catholic supers investment options, for both super and pension accounts. A summary of the important information you need about your sunsuper account, including insurance and fees. The fees and costs for our other investment options are different. The onscreen and pdf reports are easy to follow and include. Fees are lower than the industry average across all account balances assessed. Qsuper, the 65 billion fund for queensland government employees and their spouses, has taken out the title of australias topperforming superannuation fund over the past financial year. Plus indirect costs for the balanced investment option. View your total portfolio balance including any term deposit, managed fund and. You can choose to invest in one option or spread your money across multiple options, say, 50% australian shares, 25% growth and 25% conservative. Product disclosure statements pds qsuper superannuation fund. Qsupers member online is a webbased superannuation administration portal owned by the qsuper board abn 32 125 059 006 afsl 489650 the board as. These returns are updated monthly and include selected timeframes nominated at the top of the table.