Disclaimers

Accumulation investment option performance and SuperRatings

Past performance isn’t an indicator of future performance. Returns relate to Accumulation investment options and are published after Fund taxes and investment expenses but before deducting account-based fees. Members should be aware that the returns applied to their account will depend on the investment option(s) they invest in, the period of time they were invested in the option(s), and the timing of cash flows into and out of their account.

The SuperRatings data is based on the SuperRatings survey for the relevant period and does not take into account any subsequent revisions or corrections made by SuperRatings. At the time of preparation, UniSuper was not aware of any revisions or corrections which would be materially adverse to members. Due to rounding, excess return may not be the difference between option return and median return. SuperRatings is a superannuation research agency. For more information, visit SuperRatings.

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Disclaimer: UniSuper purchases products from Chant West on commercial terms but is not a shareholder in Chant West and has no influence over the research results and ratings.

Chant West AppleCheck is provided by Chant West Financial Services Pty Ltd ABN 75 077 595 316. UniSuper accepts no responsibility for the information provided to you by Chant West.

UniSuper may provide Chant West with some of your personal information for the purpose of providing you with the Chant West AppleCheck report. Your personal information may also be used to provide you with further details about the products and services that UniSuper provide.

Contribution caps

Disclaimers

The information presented here is intended to provide general advice only about your account with UniSuper.

The figure represents an estimate of your contribution caps based on your age and is provided as at the date from which the information was made available.

Please note there may be a delay of up to 48 hours between the estimated figure presented and the updated information.

The figure presented will not include contributions that you have made with other funds. If you have made additional contributions with other funds this will add to your total caps for the financial year. You should contact your other fund or the ATO to obtain this information.

Prior to making any investment decisions, you should speak with a financial adviser to consider whether this information is appropriate for your needs, objectives and circumstances.

Contribution caps & rollovers

Rollovers from other funds will not be included in your non-concessional contribution cap.

Estimated balance Accumulation 1

Your estimated account balance is calculated as at the specified date. This estimated account balance is updated on a regular basis but it is not your current actual account balance as at the date that you access your online account. Your current account balance may differ from the estimated account balance due to account transactions (such as contributions received and allocated, withdrawals, release authorities, fees, taxes and investment returns) applied to your account in the period since that date. If you require more current account balance information please contact us for further assistance.

Estimated balance Accumulation 2

Estimated balance Defined Benefit Division

Estimated balance Flexi Pension

Your estimated account balance is calculated as at the specified date. This estimated account balance is updated on a regular basis but it is not your current actual account balance as at the date that you access your online account. Your current account balance may differ from the estimated account balance due to account transactions (such as commutations, withdrawals, release authorities, fees, taxes and investment returns) applied to your account in the period since that date. If you require more current account balance information please contact us for further assistance.

Estimated UniSuper transfer balance account

Your estimated account balance is calculated as at the specified date. This estimated UniSuper transfer balance account is updated on a regular basis but it is not your current actual account balance as at the date that you access your online account and does not include any superannuation you may have with other superannuation funds. Your current transfer account balance may differ from the estimated transfer account balance due to account transactions (such as commutations, withdrawal, fees, taxes and investment returns) applied to your account in the period since that date. If you require more current transfer balance account balance information please contact us for further assistance.

Estimated balance Term Allocated Pension

Your estimated account balance is calculated as at the specified date. This estimated account balance is updated on a regular basis but it is not your current actual account balance as at the date that you access your online account. Your current account balance may differ from the estimated account balance due to account transactions (such as commutations, withdrawals, release authorities, fees, taxes and investment returns) applied to your account in the period since that date. If you require more current account balance information please contact us for further assistance.

Financial Advice

The financial services described are provided by UniSuper Management Pty Ltd (USM), under the name of UniSuper Advice. USM acts on its own behalf when providing financial services under its AFSL. UniSuper Advice is responsible for the financial services it provides to you under its AFSL.

UniSuper Advice is operated by UniSuper Management Pty Ltd, which is licensed to provide financial product advice to members and spouses. UniSuper Management Pty Ltd (USM) ABN 91 006 961 799. Australian Financial Services Licence (AFSL) No 235907. For further information about the services provided by UniSuper Advice please refer to the Financial Services Guide available from www.unisuper.com.au/advice.

Insurance - Accumulation 1 and 2

Please note: the information shown on this page reflects the benefits that would have been payable on the date shown. Changes to your UniSuper membership or employment arrangements may affect your eligibility for these benefits and the amounts payable. If your insurance cover has been provided with an exclusion for any pre-existing condition, you may not receive an insured benefit if the pre-existing condition is the basis for an insurance claim. For more information see the PDS relevant to your category of membership and the Insurance in your super booklet (PDF, 1.5MB).

Insurance - DBD

Investment asset allocations

The above figures show how the investment strategies for your chosen investment options combine together. Your account balance is not invested in the exact proportions indicated above. The above figures aggregate the strategic asset allocations which we have set for your chosen investment options, which have been blended based on the proportion of your account invested in each option as at a recent historical date. Recent changes to the amount you have invested in each option have not been taken into account and these changes would affect the result. Strategic asset allocations are the theoretical long-run allocations to each asset class. Actual allocations to each asset class deviate from these percentages but are kept within the ranges disclosed on our website. The above figures focus solely on the asset classes in which each option invests. Some options may target investments in particular sectors or sub-asset classes, or particular kinds of companies and issuers, within a particular asset class, but this is not reflected above.

This information has been prepared without taking into account your individual objectives, financial situation or needs. UniSuper’s investment strategies will not necessarily be appropriate for other investors. Before making any investment decision, you should consider your personal circumstances, the relevant product disclosure statement and whether to consult a licensed financial adviser.

Investment performance

The above chart shows cumulative performance (as opposed to performance per annum) over the entirety of the chosen period or, for newer options, since the date of establishment. Past performance is not an indicator of future performance. Returns are after fund taxes and investment expenses but before account-based fees. Members should be aware that the returns applied to their account will depend on the investment option(s) they invest in, the period of time they were invested in the option(s), and the timing of cash flows into and out of their account. Note that the graph uses interim daily crediting rates and does not reflect the final crediting rates which are used to calculate option performance in the table above.

Major investment holdings

This is an indicative listing and is not exact. Current holding exposures will be different. The above listing is based on recent historical data concerning the direct physical holdings of your investment options and the amount you had invested in each option, sourced from different recent historical dates. Rounding and truncation also affects rankings and holding exposures. You may have larger exposures to some entities (whether listed above or not), especially if those entities have issued multiple classes of securities or different financial products which we have not aggregated, or where we have invested in pooled products which also have additional exposures to these (and other) securities. The above listing does not include derivative exposures.

This is not intended to be an endorsement of any of the securities named above for inclusion in personal portfolios. Holdings reflect UniSuper’s view at a particular point in time having regard to factors specific to UniSuper, including the investment objectives and strategies of its options, as well as diversification achieved through holdings not listed above. This information has been prepared without taking into account your individual objectives, financial situation or needs. UniSuper’s investment strategies will not necessarily be appropriate for other investors. Before making any investment decision, you should consider your personal circumstances, the relevant product disclosure statement and whether to consult a qualified financial adviser.

Pension Transactions

UniSuper will credit payments to your account as soon as practicable after we receive them. This is not necessarily the same day we receive the payment. We do not debit your account earlier than the date on which the relevant transaction occurs.

Pension investment option performance and SuperRatings

Past performance isn’t an indicator of future performance. Returns relate to Pension investment options and are published after Fund taxes and investment expenses but before deducting account-based fees. Members should be aware that the returns applied to their account will depend on the investment option(s) they invest in, the period of time they were invested in the option(s), and the timing of cash flows into and out of their account.

Rollover

The rollover tool is prepared by UniSuper Management Pty Ltd on behalf of UniSuper Limited, the trustee of UniSuper. This information is of a general nature only and does not take into account your individual circumstances, financial situation or needs. You should be aware of any exit or withdrawal fees that might apply in your other funds and whether any benefits such as insurance cover might cease if you transfer your super.

Your benefit statement

The information provided in these statements does not describe all of the conditions affecting the amount and availability of benefits and should be read in conjunction with the product disclosure statement for your membership category.

These statements are not a promise or guarantee of a particular benefit. All benefits are determined in accordance with our governing rules, any applicable insurance policy and government legislation.

While every effort has been made to ensure that the information is correct, you should not make financial decisions or commitment based on the amounts shown. The Trustee reserves the right to correct any errors or omissions. Please contact us if you believe that any of your details are incorrect.

Transactions

UniSuper will credit payments to your account as soon as practicable after we receive them. This is not necessarily the same day that we receive the payment. We do not debit your account earlier than the date on which the relevant transaction occurs.