That one of the cornerstones of a successful project is a proven implementation methodology. Accumulation 1 product disclosure statement this pds contains information about your accumulation 1 account and membership. If you need a copy of the pds or associated guides, you can download them from our website, or give us a call and well send them to you. Jul 28, 2016 qsuper, cfs and western seeking alpha in fixed income amanda white july 28, 2016 investors are making their fixed income portfolios work harder and are seeking alpha from managers, a panel told the conexus financial fixed income, cash and currency forum. The information provided in this pds is general information only and does not take into account. Discover how weve helped more than 585,000 members. Qsuper and sunsuper confirmed on monday they were in preliminary, nonbinding talks about a possible merger that they say may be better for members the merger could see the new. Sunsuper for lifes income account provides members with a good level of flexibility, with the ability to choose from multiple payment frequencies, ranging from fortnightly to annually.
By transferring money from your super to an account based pension like our choice income account, you can draw regular income. Actuals keep track of up to eight years of cashbasis or accrualbasis account balances. Qsuper product disclosure statement for accumulation and income. Qsuper accumulation is required to provide a product. Total return performance figures are calculated on an exit price to exit price basis with net income distributions reinvested.
The fund does not charge an investment switching fee or a buysell spread. Before you make an investment decision it is recommended you obtain professional financial advice from your financial adviser tailored to your personal circumstances. Accumulation and income account application forms enclosed. Financial advisers financial planners qinvest gold coast. Income account payment calculator qsuper superannuation fund. Accumulation account, transition to retirement option, and the qsuper income account. A summary of the important information you need about your sunsuper account, including insurance and fees.
Qsuper will be unable to accept any personal contributions to your qsuper account which in turn may mean you will miss out on any applicable commonwealth government contributions even if youre otherwise eligible to receive such contributions and. User member online to request additional income payments or lump sum withdrawals from your income account. A portion of the advice fees where it relates to your qsuper benefit can be deducted from your qsuper accumulation or income account 1. Get started on the road to understanding your super and planning for a financially secure retirement. Enter your nominated income to see how long it will last. Link has an estimated 10 million superannuation accounts on its platform. Use this dashboard to compare this option with other mysuper products. It also includes relevant forms and references to the documents below which you should read with this pds. Qsuper accumulations pds product disclosure statement download.
This is the product disclosure statement pds for ngs super accumulation, transition to retirement and income accounts. Qsuper defined benefit is required to provide a product. For more information on what these details describe, please scroll down for a more detailed description. Find out exactly what is and isnt covered with this superannuation income cover. You still have the flexibility to withdraw a lump sum when needed. Prepared and issued by the qsuper board abn 32 125 059 006, afsl 489650 as trustee for qsuper.
The information on this website has been prepared for general purposes only without taking into account your financial objectives, situation, or needs, and. Qsuper has launched an income stream product designed for members in the retirement phase. At pds, we over 40 years of experience implementing hcm products. The qsuper income account allows members a great deal of control and flexibility over how much income. Pds is obsessed with caring for your human capital management needs on a granular level. You need to provide the phone number, for similar reasons you need to provide an address. Sunsuper for life pds and membership application form. It provides a summary of significant information and contains a number of references to important information each of which forms part of the pds. The usi for qsuper accumulation account is qsu0101au.
To make an appointment with michael, tara or tim call 1800 643 893 or contact us at any time via our online enquiry form. Better working hours you can choose your own salary while your savings keep building. Qsupers antimoney laundering and counterterrorism program, we require identification details with any claim you. Make a withdrawal from an income account form pdf qsuper. Opt in income protection ip provides eligible new members with a benefit payment period of 2 years following a 90 day waiting period, covering up to 85% of salary, while 5 year or to age 65 benefit. Unless otherwise indicated, software downloads available via links from this. Winner of the 2020 pension of the year award, qsuper income account was established in 1995 to provide for the retirement needs of members employed within the queensland government and related entity employees. For the 201920 financial year, the transfer balance cap. Whether you need an endtoend recruiting, human resources, benefits, and payroll solution, or a full range of other hr services, we build technology for you to match your specific needs in a personalized manner. Restart an income account with more money pdf qsuper.
General information record basic account information and assign types to each account, such as asset, liability, income, or expense. This would be worked out using a formula that takes into account the premium that would have been. Retirement income account super income stream qsuper. You can only restart an income account once in a financial year. If you are having problems using our site, we recommend you upgrade to one of our supported web browsers. Retirement income to help fund the lifestyle you want in retirement. If you dont already have this software you can download it for free from adobe. Pdf deferred retirement benefit guide qsuper queensland. By transferring money from your super to an account based pension like our choice income account, you can draw regular income payments taxfree, while your balance stays invested. Product disclosure statements pds qsuper superannuation fund. Qsuper defined benefit is required to provide a product disclosure statement to ensure that each customers understands how their superannuation works. This unit is a mustdo if you want to learn the essentials. 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. Qsuper is an organisation that expands and adds junk insurance to your account directly against your specified wishes.
Plum retirement income product disclosure statement. Fees are lower than the industry average across all account balances assessed. The phone number for qsuper for the qsuper defined benefit account product is 0 360 750. 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. Frequently asked questions qinvest financial advice. If you have more than one income account you need to complete an investment switch for each account. Join qsuper our members can feel better about their super today, knowing weve delivered low fees and consistently strong returns. Disclosedreported investment returns reflect the returns of the fund and not member returns of the investment options as they do not take into account the timing of contributions. The abn for the qsuper accumulation account product is 60905115063. Please provide your date of birth to verify your account. Qsuper lifetime is only available in the accumulation account.
A retirement income account is a tax efficient way to receive regular payments from your superannuation savings. The return is a compound annualised return reflected after administration fees, investment fees and tax. Your ttr income account and super account will work together while youre still working, to help you transition to retirement, by topping up your salary using income. Qsuper to offer bonus for choosing pension over lump sum.
Were also proud to be a profit to member fund, specialising in superannuation and accountbased pensions. Accounting software for parishes pds ledger acs technologies. The information in this pds and the guides is general information only and doesnt take into account. Important information about how superannuation works including income accounts. Fees and costs in your income account retirement sunsuper. Overview brand management advertising ambassador program. Super number is here for all your super number needs. The awards are designed to help consumers make more informed investment decisions across asset categories including super, cash accounts, funds, and home loans. Actuals keep track of up to eight years of cashbasis or accrualbasis account. The qsuper income account transfer bonus is made possible due to qsupers asset structure. Our pds and range of helpful guides contain everything you need to know about our accumulation and income accounts.
Important information about your super qsuper superannuation. Mysuper product dashboard this dashboard is designed to help you better understand the investment return, risks and fees for sunsupers mysuperapproved lifecycle investment strategy. If you have more than one income account with us, please. Chant west is a research, data insights and technology company, providing a suite of sophisticated software and data analytics to super funds, financial advisers and individuals, so they can compare super and pension products on an apples with apples basis. Qsuper grapples with retirement income in lowreturn world. If qsuper and its insurer void the contract, we may reduce the amount you have been insured for. Important things to know about choice income product disclosure statement combined financial services guide and product disclosure statement 25 september 2019 issued by australiansuper pty ltd abn 94 006 457 987 afsl 233788 trustee of australiansuper abn 65 714 394 898 usi sta0002au 2650 lonsdale st, melbourne vic 3000. Whats more, the balance of your retirement income stream account. Detailed information about each account can be found in the relevant guide. Watch your statements closely and expect the addition of unwanted charges, particularly income. Income account qsuper product disclosure statement for accumulation and income accounts 369kb, pdf the product disclosure statement is an introduction to the features of the accumulation and income accounts. Qsuper accumulation account product disclosure statement pds. Investment switches apply to all accumulation account s or the specified income account.
To change a payment preference that was not submitted with a switch to an investment mix, a separate switch request needs to be submitted. Qsuper product disclosure statement for accumulation and income accounts 369kb, pdf the product disclosure statement is an introduction to the features of the accumulation and income accounts. There is a limit on the total amount of superannuation you can transfer to a retirement income account without paying additional tax. Qsuper income account offers good pension flexibility with members able to select from fortnightly through to annual payment frequencies. Qsuper accumulation is required to provide a product disclosure statement to ensure that each customers. Qsuper accumulations pds product disclosure statement. The email provided is associated with more than one qsuper account. Enter your username and well send you an email to reset your password.
A retirement income account might be right for you. Superannuation may sound complex but it is really just the money you put away for your retirement. Total return performance figures are calculated on an exit price to exit price basis with net income distributions. When you have an accumulation account with your qsuper permanent disability cover, your insurance benefit is a specific value, based on the number of insurance units you have. Qsuper is a lifetime account that readjusts your investment mix as you get older. The qsuper lifetime outlook option outperformed the relevant superratings index over 1 and 5 years to 30 june 2019. If you are considering opening a retirement income. Qinvest has expert financial advisers located in our gold coast office to help you take control of your financial future.
The cost of managing your account is split into administration fees. When we talk about queensland government employers in this guide, we. Without a phone number, your employer would be unable to contact your chosen superfund. Are you looking for the usi, spin, abn or address for the qsuper accumulation super fund. With pds ledger, its simple to keep track of your churchs accounting records. Our income account won money magazines best balanced pension product for 2020. You can pick any of 16 different investment options or make your own mix. Performance figures are shown in australian dollar aud. Qsuper s accumulation account is a lowfee mysuper authorised product which helps you to save for. Product disclosure statements the information contained in this list is general information only and does not take into account your personal objectives, financial situation andor needs. Any outof pocket payments can be made by visa, mastercard or eftpos. If you have a number of income streams or pension accounts not including transition to retirement income accounts, either at qsuper or across multiple super funds, you need to be aware that your combined account balances will all count towards this limit. A ttr income account is an australiansuper account based pension that gives you the flexibility to receive payments from your super.
An account based pension or pension fund is another option to withdrawing super as a lump sum, when you retire or reach preservation age. Most income streams are account based, which means you set up an account with your super fund, transfer some of your super into the account, and then your fund makes regular predetermined payments to you. This pds is a summary of significant information and contains a number of references to important information each of which forms part of the pds. Were queenslands largest super fund and one of the largest in australia. Qsuper, cfs and western seeking alpha in fixed income. Pay no transaction or switching fees and enjoy a range of different investment options. You can also select the minimum income you can receive each year to see how long your benefit could potentially last. Our income account won money magazines best balanced pension product. The asset allocation varies depending on your age and amount invested in lifetime. Founded in 1931, were one of australias oldest superannuation funds. With a sunsuper retirement income account, retirement is the new promotion. Qsupers retirement income account, balanced option only. Qsuper defined benefits pds product disclosure statement. An income account lets you use your super benefit to generate a taxeffective income in retirement.
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