Death and TPD
Sustainability at StatewideSuper
Insurance for Death and TPD is designed to provide financial
support if you die or become totally and permanently disabled.
We understand the importance of a long-term perspective.
By incorporating all elements of sustainability we aim to
protect members’ investments through good governance
and by considering the environment and community.
Each new member working for a StatewideSuper employer may be
eligible to automatically receive at least two units of Death and
TPD cover.
Income Protection
Income Protection insurance helps protect your income if you are
temporarily disabled and unable to work through illness or injury.
Income Protection is automatically available for most new members
working for a StatewideSuper employer who receive at least $200
per month of Superannuation Guarantee contributions.
Flexible risk protection insurance
The StatewideSuper Personal Risk Insurance^ provides competitive
life and income protection insurance for members who
need a tailored personal risk insurance plan outside of their
superannuation fund. We can also provide insurance cover for
those who prefer self-managed superannuation funds.
StatewideSuper is a signatory of the United Nations Principles for
Responsible Investment (UNPRI) and is committed to integrating
environmental, social and governance (ESG) considerations into
our investment decision making.
Need more information?
For more information about how StatewideSuper can help you
reach your retirement goals, you can:
Enjoy all the benefits
of membership
June 2010
• Phone us on 1300 65 18 65 and speak with a
Client Services Officer
• Visit our website at www.statewide.com.au
• Call in to our branch at Statewide House, 99 Gawler Place Adelaide
Master trust with flexible investment choices
If you have more complex financial needs, you may prefer
to invest in our master trust. StatewideSuper Choice Plus offers
you greater flexibility with your investment choices, while still
maintaining a competitive fee structure.
StatewideSuper Choice Plus provides investors with an array of
superannuation and pension investment strategies. StatewideSuper
Choice Plus’s menu includes three investment strategies: model
portfolios, multisector options, and sectorial options allowing you
or your financial adviser to tailor an investment strategy to suit
you.
For more information please refer to the StatewideSuper Choice
Plus Product Disclosure Statement available on our website
www.statewide.com.au or by calling our StatewideSuper Choice
Plus Client Service Officers on 1300 88 56 65.
Statewide Superannuation Pty Ltd ABN 62 008 099 223
RSE Licensee and Trustee of Statewide Superannuation Trust
Superannuation Fund Number 157 305 949
SPIN SSP0001AU AFSL 243171
Statewide House, 99 Gawler Place, Adelaide SA 5000
GPO Box 1749, Adelaide SA 5001
T 1300 65 18 65
F (08) 8217 8555
W www.statewide.com.au
E [email protected]
The information provided is of a general nature. It does not consider your specific
needs nor is it intended to be financial product advice. You should obtain independent
financial advice and consider the applicable Product Disclosure Statement
available from StatewideSuper before making an investment decision.
StatewideSuper Personal Risk Insurance is subject to terms and conditions.
^
No commissions are payable to Statewide Superannuation Trust. The administrator of Statewide
Superannuation Trust is wholly owned and receives up to 30 cents in each dollar of insurance
premium for insurance taken out through Statewide Superannuation Trust to cover the cost of
insurance administration.
SS03DLBR
Autumn
Coonawarra SA
About StatewideSuper
StatewideSuper is the industry fund for all South Australians with
$2 billion in assets.
Proudly South Australian-owned and operated, the fund returns
profits to members in the form of lower fees and charges, and is
committed to helping members reach their retirement goals.
Investment options
StatewideSuper’s investment menu offers four diversified options and
four single asset class options.
Type of fee
Amount
Establishment fee
Nil
Diversified options
Contribution fee
Nil
Withdrawal fee
Nil (Pensions $25 for partial withdrawals)
StatewideSuper also provides over 20,000 employers with assistance
in managing their superannuation obligations. This assistance is
provided through flexible administration, personalised service, and
regular updates on any legislative changes.
Investment option
Member benefits
• StatewideSuper High Growth
StatewideSuper offers benefits such as:
Termination fee
Nil
• StatewideSuper Conservative
Investment switching fee
Nil#
• StatewideSuper Balanced
Investment management costs
Administration fee of $1.50 per week
(Pension $5) plus other management
fees of between 0.29%pa and
1.80%pa plus up to 0.73% investment
performance fee
• StatewideSuper Socially Responsive
• Low administration fees
Single asset class options
• A choice of eight investment options
Investment option
• Comprehensive insurance cover – including Death, Total and
Permanent Disablement (TPD) and Income Protection cover
• StatewideSuper Cash
• Access to Statewide.On.Line – a secure online system where you
can check your account and update your personal details
• StatewideSuper Australian Equities
• StatewideSuper Fixed Interest
• Qualified financial advisers – to assist you with financial planning†
• StatewideSuper International Equities
• Member education services
For more information please refer to the StatewideSuper Investment
Guide available at our website www.statewide.com.au or by calling
1300 65 18 65.
• Retirement options – including Account-based Pension or
Transition to Retirement Pension
• A Master Trust – for members needing greater flexibility
with investment choices
• Access to Member’s Equity Bank products and services –
including home loans, personal loans, and savings accounts*
• Discount on a range of Manchester Unity health covers^
†
Fees may apply
*Fees and charges apply. Terms and conditions available on request. Applications are subject
to credit approval.
^Discounted rates are not available on Healthcover Plus Extras only. StatewideSuper Financial
Management Services Ltd receives commissions from Manchester Unity for each insurance
policy sold. The commission is calculated as 4% of the total Choice Plus paid applicable to the
policy that is sold.
Fees at a glance
You can change your investment options at any time, but remember
that superannuation investments are structured to provide solid
returns over a longer timeframe and there may be fluctuations in
returns from year to year. We recommend that you seek independent
financial advice to determine which investment options will best suit
your own financial requirements.
Low administration fees
Our focus is on keeping fees and charges to a minimum and
maximising your retirement savings. Investing your retirement savings
with StatewideSuper can make a real difference to the amount you
receive when you retire.
#Members requesting that future contributions be invested in different investment options are
not charged for this service. Members are also able to alter the account balance investment
options without charge once per financial year. Additional switching will incur a $20 fee per
switching request.
For more information please refer to the StatewideSuper
Product Disclosure Statement available on our website
www.statewide.com.au or by calling our Client Service Officers
on 1300 65 18 65.
Affordable insurance cover
Insurance is something that many of us don’t think about
until the unexpected happens. You may even think insurance cover
is unnecessary – especially if you’re fit and healthy. However your
ability to earn an income is your most valuable asset, and therefore
insurance is an important part of your financial planning.
That’s why StatewideSuper automatically provides most employer
sponsored new members with affordable Death, Total
and Permanent Disablement (TPD) and Income Protection
insurance cover. This means you and your family are protected
from the unexpected without having to provide personal or
medical information.
StatewideSuper members benefit from access to Choice Plus at
discounted group rates, conveniently deducted directly from
your superannuation account.