together
better
Welcome to the
industry super fund
dedicated to health and
community services.
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partnership
reinvestment
recognition
dedication
actions
experience
philosophy
people
We’re here for employers
to make their lives easier.
For your employees to make
their retirements better. And
we’re here for the long run.
––
With more than 820,000 members and $37 billion
invested globally on their behalf, our numbers
are impressive.
here
for you,
for good
B
HESTA
But we never lose sight of the fact that it’s not only about
strong performance figures – it’s about helping our
members enjoy a retirement they’ve worked hard for.
We’re the only industry super fund dedicated to
people in health and community services, so we’re not
like a lot of super funds. We understand what you do.
Why you do it. And what makes your employees tick.
We’re proud to be a part of your team. And, to
stand alongside our partners and members, while
advocating for a super system that better caters for
people working in health and community services,
women and First Australians.
Welcome to HESTA.
partnership
01
we’re the
partner
you’ve been
looking for
So, what’s
in it for you?
Madeline Gall
CEO
Lifeview Residential Care
HESTA Awards Finalist 2016
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HESTA
You’ll save
time...
You’ll feel
supported...
You’ll cut down
on admin...
We offer you access to
QuickSuper (it's all part
of the service). Your
super payments will be
simpler, streamlined
and secure. And
with our online
employer site, you’ll
have super admin
at your fingertips
24/7. From setting
up new employees
to managing existing
members, you can do it
faster, and fuss-free.
We have team
members in every state
and territory. They're
standing by to give you
practical, professional
help whenever you
need it on all things
super. We also inform,
inspire and advise your
employees to make the
best possible decisions
for their own futures.
By offering a default
fund that’s dedicated
to your industry, you
can feel confident
you’re meeting your
obligations — while
letting us take care of
the rest. We’ll keep you
in the loop though;
with regular updates
so you can stay on top
of your obligations.
HESTA
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reinvestment
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we think
you're a great
investment
Health and community
services is one of
Australia’s biggest and
fastest growing sectors.
So, it makes sense
that we’re looking
at your sector for
good investment
opportunities.
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HESTA
HESTA is one of the few super
funds with a specific focus on the
health sector, including investing
in innovative new products and
services. We're also one of Australia's
leading impact investors. Through
these investments we're making a
positive social impact, as well as
good returns for members.
$100m
$30m
$8m
$50m
committed to
life sciences
investment.
committed to social
impact investments
including social,
affordable and
disability housing.
already
invested in
social and
affordable
housing.
committed to
loans to build new
state of the art
health facilities in
Victoria and SA.
Whether it’s funding a small start-up
life sciences company, developing a
life-saving new drug, or increasing
the supply of social and affordable
housing - we’re supporting your
sector to make a real difference.
HESTA
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recognition
03
because
their stories
are our
inspiration
Health and community
services is full of
ordinary people doing
extraordinary things,
day in, day out,
across Australia.
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HESTA
That’s why we came up with the
HESTA Awards Program, to recognise
the life-changing work being done
by people like you.
The awards recognise professionalism,
innovation and leadership and are
proudly supported by ME – the bank
for you. You can find out more at
hestaawards.com.au
Dr Floyd Gomes
2016 Aged Care
Awards Finalist
dedication
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We’re honoured to partner with
thousands of employers across
health and community services.
And we’re proud of the role you
play in shaping our nation.
So, what’s in it for your people?
we’re
all
in this
together
They’ll benefit from
strength in numbers
They’ll enjoy real
peace of mind
They’ll be heard.
Always.
We have a MySuperauthorised investment
option – Core Pool
– that offers a great
default strategy.
Most of our members
invest in Core Pool.
It’s a diversified
portfolio that aims
to protect members'
savings from being
eroded by inflation
over the long term,
and has strong longterm returns and
competitive fees.
Insurance through
super is a cost-effective
way your employees
can protect their
families and finances.
Eligible members get
insurance cover that's
automatically paid
for from their super
account. So it's one less
thing for them to worry
about. It's a simple 'set
and forget' assurance
until they need it. If an
accident keeps them off
work, for example.
Our members are
the heart of HESTA.
So we make it our
business to listen
through our insights
community. It’s a place
where feedback is
given freely – and
gratefully received –
so that we can improve
what we do, and how
we do it. And, it drives
our customer service.
And... they’ll think you’re the best
Financial wellbeing isn’t something that comes
naturally to everyone. That’s why we come to you
and speak to your employees about the things
they’ll need to think about before and during
their retirement to make the most of it.
It's all part of the service.
HESTA
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actions
05
we know
actions speak
louder than
words
It’s one thing to talk about being
a leader – and another to truly be
one. We get that. And that’s why we
never stop finding ways to be more
proactive, insightful and supportive
for our members. It’s not enough
to simply earn money for them
(although we’re proud to do so).
We go one step further.
e want to close the gender gap so we made a
W
submission to the Senate inquiry addressing women’s super
inadequacies and led the campaign with government to
retain the low income super contribution.
We’re the first ever industry super fund to make a tangible
impact on reconciliation with Aboriginal and Torres Strait
Islander peoples and organisations.
Read more at hesta.com.au/RAP
Through our Financial Inclusion Action Plan we’re
playing a critical role in Australia’s future by improving
financial resilience with education and support, for
people experiencing financial exclusion and hardship.
Read more at hesta.com.au/FIAP
We were the first Aussie super fund to help members stay
in touch with their super through smart phones and a
digital member card, and have since introduced smart
video statement snapshots. We’ve even received global
recognition for our innovation*.
*2016 Excellence & Innovation Awards, sponsored by Pensions & Investments and the Defined Contribution Institutional
Investment Association. These awards are designed to recognise Defined Contribution plan executives and their employers
for well-executed, creative and unusual projects that help ensure participants have an adequate income at retirement.
HESTA
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experience
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you’re
in good
hands
We’re an industry super fund.
That means we work for you and
your people – not shareholders.
We keep fees down, our costs low,
and we don’t pay commissions to
financial advisers. That way more
money stays in super accounts.
Right where it belongs!
Chant West
Specialist Fund of the Year 2016.
SuperRatings research shows
that based on a starting income
of $50,000 and a starting account
balance of $50,000, HESTA has
delivered $18,725 more than the
average retail super fund over
the past 10 years*. This was
because of both lower fees
and higher investment earnings.
For more information visit
hesta.com.au/netbenefit
*Past performance is not a reliable indicator of
future performance and should never be the sole
factor considered when selecting a fund.
This award is in recognition of the
attention a fund pays to the needs of a
particular industry or occupation and
recognises excellence across a range
of key criteria, namely: investments,
member services, fees, insurance,
administration and organisational
strengths.
While most funds have a broad
spectrum of members, HESTA caters
for the specialist needs of the health
and community services sector.
Canstar 2016 Account Based Pension
Awards ‘Outstanding Value’.
HESTA is one of only nine companies
to receive this honour. We earned the
award for our Pension product.
Comparisons modelled by SuperRatings,
commissioned by HESTA. Modelled outcome
shows 10 year average difference in net benefit
of the main balanced options of HESTA and 75
retail funds tracked by SuperRatings, with a 10 year
performance history, taking into account historical
earnings and fees – excluding contribution,
entry, exit and additional adviser fees – of main
balanced options. Outcomes vary between
individual funds. Modelling as at 30 June 2016.
See hesta.com.au/netbenefit for more details
about modelling, calculations and assumptions.
HESTA
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philosophy
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By investing thoughtfully, and
intelligently, we can have an
impact on gender diversity,
sustainability, the environment
and even human rights, both in
Australia and around the world.
And we know these are things that
matter to you and your people.
Super is a long-term commitment.
So when we invest your employees'
savings, we keep in mind things
like environmental, social and
governance (ESG) factors – as
they’re important to an investment’s
long-term value.
we
invest
with
purpose
We were the
first super fund
to introduce
a socially
responsible
investment option
with Eco Pool
in 2000.
We were among
the first super
funds to sign
on to the UNbacked Principles
for Responsible
Investment (PRI).
To put it another way, we’re
doing good things with members'
money without ruining the planet,
or harming communities.
Find out more at
hesta.com.au/responsible
We were one
of the first
major Australian
super funds to
implement a
portfolio-wide
tobacco exclusion.
We represented
the voice of super
and pension
funds around the
world, addressing
the UN Climate
Summit.
We’re an
influential voice,
collaborating with
other leaders on
ESG both locally
and overseas.
It’s another way
we’re helping
create better
futures.
HESTA
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people
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we believe
in the
power of
people
We invest $37 billion
dollars globally, on
behalf of our members.
Every decision we make has
an impact on our people, our
customers, our communities, health
and community services, and the
environment.
It’s a big responsibility.
And an even bigger privilege.
Our Trustee Board of Directors leaders in health and community
services - are united by a common
purpose. To make real differences
to the lives of our members and,
more broadly, Australian women.
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HESTA
wherever
you need
us to be
We have locations in
every state and territory.
Our CEO, Debby Blakey brings more
than 20 years of experience in super
and financial planning. Debby and
our executives lead a team that
shares a set of common beliefs that
are probably not all that different
to yours.
We look forward to joining you,
and your employees, on the
journey ahead.
VIC
Level 16
222 Exhibition Street
Melbourne
(03) 8662 2500
SA
Level 3
104 Frome Street
Adelaide
(08) 8100 9000
QLD
Level 11
120 Edward Street
Brisbane
(07) 3223 4900
ACT
Suite 5 Level 1
88-96 Bunda Street
Canberra
(02) 9249 5600
NSW
Level 12
44 Market Street
Sydney
(02) 9249 5600
TAS
Ground Floor
119 Macquarie
Street
Hobart
(03) 6220 8100
WA
Level 4
251 Adelaide Terrace
Perth
(08) 9421 5700
NT
Paspalis Business
Centre C/ HESTA
Suite RW7 Level 1
48-50 Smith Street
Darwin
(08) 8943 0600
HESTA
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While this is a general overview
of what we do and why we do it,
we’d love to talk more about what
we can specifically do for you
and your employees.
Give us a call. Speak soon.
talking
keep
let’s
1800 813 327
This information has been produced by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL No. 235249, Trustee of Health Employees
Superannuation Trust Australia (HESTA) ABN 64 971 749 321. It is of a general nature and does not take into account your
objectives, financial situation or specific needs so you should look at your own financial position and requirements before
making a decision. You may wish to consult an adviser when doing this. Past performance is not reliable indicator of future
performance. Investments may go up or down. Products ratings are only one factor to be considered when making a decision.
See hesta.com.au/ratings for more information. The QuickSuper clearing house is a third-party service owned and operated
by Westpac Banking Corporation. Third-party services are provided by parties other than H.E.S.T. Australia Ltd and terms and
conditions apply. H.E.S.T. Australia Ltd does not recommend, endorse or accept any responsibility for the products and services
offered by third parties or any liability for any loss or damage incurred as a result of services provided by third parties. You
should exercise your own judgment about the products and services being offered. Before making a decision about HESTA
products you should read the relevant Product Disclosure Statement (call 1800 813 327 or visit hesta.com.au for a copy), and
consider any relevant risks (hesta.com.au/understandingrisk). HS 1314.5 03/17 ISS2