YOUR 2015 SUPER STATEMENT MERCER SUPER TRUST Mercer SmartSuper Plan From 1 July 2014 to 30 June 2015 Mr A Sample 100 Collins Street MELBOURNE VIC 3001 Hi Andrew, would you like to have more money saved for your retirement? Let’s start by looking at what you have. Your super account balance at 30 June 2015 $65,767.11 Your account overview Opening balance $57,754.94 Earnings $5,453.88 Contributions, transfers or rollovers $3,785.90 Withdrawals $0.00 Total fees, taxes & premiums -$1,227.61 Closing balance $65,767.11 Your asset mix Growth Defensive Your super account balance for each year at 30 June $0 $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 30 Jun 2015 30 Jun 2014 $65,767.11
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$65,767 - Mercer · YOUR 2015 SUPER STATEMENT MERCER SUPER TRUST Mercer SmartSuper Plan From 1 July 2014 to 30 June 2015 Mr A Sample 100 Collins Street MELBOURNE VIC 3001
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YOUR 2015 SUPER STATEMENT MERCER SUPER TRUST Mercer SmartSuper Plan
From 1 July 2014 to 30 June 2015
Mr A Sample 100 Collins Street MELBOURNE VIC 3001
Hi Andrew, would you like to
have more money saved for
your retirement? Let’s start
by looking at what you have.
Your super account balance at
30 June 2015
$65,767.11 Your account overview
Opening balance $57,754.94
Earnings $5,453.88
Contributions, transfers or
rollovers
$3,785.90
Withdrawals $0.00
Total fees, taxes & premiums -$1,227.61
Closing balance $65,767.11
Your asset mix
Growth
Defensive
Your super account balance for each year at 30 June
$0
$10,000
$20,000
$30,000
$40,000
$50,000
$60,000
$70,000
30 Jun 201530 Jun 2014
$65,767.11
HERE’S A MORE DETAILED VIEW From 1 July 2014 to 30 June 2015
Call our helpline: 1800 682 525
Your member no: 12345
Your employer no: 333333
MERCER SMARTSUPER PLAN | SUPER STATEMENT HERE’S A MORE DETAILED VIEW 2
Want to top up your super with BPAY®?
You can choose to make an after-tax
contribution to your super using
BPAY®. It’s always a good idea to
speak to a financial adviser about
your plans first. Call us on the
Helpline on 1800 682 525.
Biller Code: 505966
Your Reference no: 103000000945127423
Contact your bank or financial institution to make this
payment from your cheque, savings, debit or
transaction account. More info at www.bpay.com.au.
® Registered to BPAY Pty Ltd (ABN 69 079 137 518)
WHAT YOUR SUPER’S WORTH
Your super account balance on 30 June 2015 $65,767.11
For comparison, your super account balance at 1 July 2014 $57,754.94
Preserved $65,767.11
Restricted non-preserved $0.00
Unrestricted non-preserved $0.00
If you leave the Plan for any reason other than Death or Total and
Permanent Disablement, you’re entitled to the amount shown
above (subject to preservation, see page 11 for further details).
Below is your account balance and summary. Find out
how salary sacrifice could help you boost your super at
mercersuper.com/salarysacrifice.
Your super account balance
$65,767.11
Earnings for the year
$5,453.88
YOUR SUPER ACCOUNT SUMMARY
for the period 1 July 2014 to 30 June 2015
Opening balance $57,754.94
Employer contributions $3,785.90
Contributions tax -$451.47
Dollar based administration fee -$78.90
Insurance premiums -$697.24
Earnings $5,453.88
Closing balance $65,767.11
Contributions Tax
Contributions tax shown (if any) will take into
account any fee rebates you may have received
(which are taxable) as well as any insurance
premiums or member fees (which are tax
deductible to the Plan). A tax adjustment may
apply. For more information see page 13.
Exit Fee An exit fee is payable for each super payout made
from the Mercer SmartSuper Plan (including any
partial payouts and your final payout) whether the
payment is made in cash or rolled over.
As at 30 June 2015
Exit fee $130.63
Talk to our advisers about your investment strategy today. Call 1800 682 525
MAKE YOUR INVESTMENTS WORK FOR YOU
Call our helpline: 1800 682 525
Your member no: 12345
Your employer no: 333333
MERCER SMARTSUPER PLAN | SUPER STATEMENT MAKE YOUR INVESTMENTS WORK FOR YOU3
Change your investment options online at any time. You
can take control or let us do it for you. It’s up to you.
INDIRECT COSTS AND TOTAL FEES PAID BY YOU From 1 July 2014 to 30 June 2015
Call our helpline: 1800 682 525
Your member no: 12345
Your employer no: 333333
MERCER SMARTSUPER PLAN | SUPER STATEMENT INDIRECT COSTS AND TOTAL FEES PAID BY
YOU 8
We are legally required to provide you with information
about fees and costs as they’re outlined below. If you
have any questions about it, call us and we’d be happy
to talk you through it.
ADDITIONAL EXPLANATION OF FEES AND
COSTS
The Trustee is required to provide you with information about fees
and costs in the manner as shown above. If you have any queries
about the information shown please contact the Helpline.
Indirect costs represent the costs of running the Plan over and
above any fees deducted directly from your account.
Indirect costs are paid out of the assets of the Plan. This is
generally done by adjusting the unit price and/or the declared
earning rate. The amount shown is an approximate amount
allocated to you.
Total fees you paid are the total of any fees and costs deducted
directly from your account as well as the “Indirect costs” shown
above. This amount includes insurance premiums (if any) that have
been deducted directly from your account. For more information,
refer to “Fees, Premiums and Rebates”.
Income tax and its effect on fees: Tax is payable on investment
earnings of the Plan at a maximum rate of 15%. However, as the
Plan is allowed a tax deduction in respect of certain fees and costs
the rate of tax actually payable by the Plan may be less than 15%.
The benefit of any income tax deductions is passed on to members
either directly or indirectly when the Trustee determines earnings
or by meeting other costs incurred by the Plan.
INDIRECT COSTS OF YOUR INVESTMENT: $866.83
This approximate amount has been deducted from your investment and includes amounts that have reduced the
return on your investment but are not charged directly to you as a fee.
TOTAL FEES YOU PAID: $945.73
This approximate amount includes all the fees and costs which affected your investment during the period.
YOUR PERSONAL DETAILS Call our helpline: 1800 682 525
Your member no: 12345
Your employer no:
333333
MERCER SMARTSUPER PLAN | SUPER STATEMENT YOUR PERSONAL DETAILS 9
From time to time we’ll be in touch with information about your account, so it’s important that we have your up to date details, including your email. Log in to your account or call us to update it today. If you can’t remember your PIN call us on the Helpline.or visit mercersuper.com to reset it.
MERCER SMARTSUPER PLAN | SUPER STATEMENT OTHER IMPORTANT THINGS YOU SHOULD
KNOW 10
If you have a question or would like additional
information about the Mercer SmartSuper Plan call us
on the Helpline and we’d be happy to help.
Making the most of your super
Visit mercersuper.com. to learn more about the many ways that
you can make the most of your super with Mercer.
To log in you’ll need your pin and your employer and member number, both found on the top right hand side of this statement. If you don’t know your PIN, call us on the Helpline. and we’ll help you reset it
Your privacy is important to us
For information on privacy and the handling of your personal
information please refer to our Privacy Policy on our website
mercersuper.com.
Your satisfaction is our priority
We take dispute resolution very seriously. If you’ve got an issue to
solve, we have a process in place to try our very best to rectify it.
You can contact the Enquiries and Complaints Officer in writing or
by calling us on the Helpline.
Mercer Super Trust
GPO Box 4303
Melbourne VIC 3001
Our obligation to you
The Trustee has an obligation to provide you
with any information you reasonably require to
understand your super benefit entitlements.
Annual Report to Members
The Annual Report to Members will provide you
with the most recent information regarding the
financial status and other information about the
Plan. If you would like a copy, please visit the
website or contact the Helpline.
MySuper Dashboard
The latest Product Dashboard for the Plan's
MySuper product can be found at
http://mercersupertrust.com/documents
OTHER IMPORTANT THINGS YOU SHOULD KNOW
Call our helpline: 1800 682 525
Your member no: 12345
Your employer no:
333333
MERCER SMARTSUPER PLAN | SUPER STATEMENT OTHER IMPORTANT THINGS YOU SHOULD
KNOW 11
ACCESSING YOUR SUPER
The Government has placed restrictions on when you can access your
super.
Restricted Non-Preserved
The restricted non-preserved amount (if any) is the part of your benefit
that is payable in cash on ceasing employment or upon attaining age
65. Please note that this amount may not be payable in cash in these
circumstances if you are a temporary resident of Australia. More
details on the conditions of release for temporary residents can be
found below.
Unrestricted Non-Preserved
The unrestricted non-preserved amount (if any) is the part of your
benefit that is payable in cash at any time.
Preserved
The preserved amount is that part of your benefit which by law must
be kept in a superannuation fund or other approved arrangement until
you meet one of the conditions set down by the Government.
These include where you:
leave your employer at or after age 60, or
retire permanently from the workforce at or after your preservation
age, or
attain age 65 (conditions apply), or
become permanently disabled, terminally ill or die, or
satisfy certain compassionate grounds or financial hardship criteria
as specified by legislation, or
leave your employer and your total benefit is under $200 (and you
are not a temporary resident).
The above conditions of release may not apply to some temporary
residents. If you are not an Australian or New Zealand citizen or an
Australian permanent resident, a condition of release may only be met
if you become permanently disabled, ill or pass away or in some
circumstances on departing Australia and cancellation or expiry of
your visa.
What’s my preservation age?
Date of Birth Preservation Age
After 30 June 1964 60
1 July 1963 – 30 June 1964 59
1 July 1962 – 30 June 1963 58
1 July 1961 – 30 June 1962 57
1 July 1960 – 30 June 1961 56
Before 1 July 1960 55
Minimum super benefit
Your super benefit satisfies the minimum payout
under the Superannuation Guarantee legislation.
OTHER IMPORTANT THINGS YOU SHOULD KNOW
Call our helpline: 1800 682 525
Your member no: 12345
Your employer no:
333333
MERCER SMARTSUPER PLAN | SUPER STATEMENT OTHER IMPORTANT THINGS YOU SHOULD
KNOW 12
ADDITIONAL INFORMATION ABOUT
INSURANCE IN THE MERCER
SMARTSUPER PLAN
All or part of your death and disablement benefit may be insured
with an insurance company. In certain circumstances the insurance
company may restrict or decline all or part of the amount it will pay
in relation to a particular claim. Should this happen the amount
payable on death or disablement may be less than that shown on
this statement as it may not include the insured portion. Please
refer to page for details of any insured amounts.
Death benefit - Your payout if you pass away or are terminally ill is
equal to your death cover plus your super account balance.
Total and Permanent Disablement (TPD) – Your payout if you
become totally and permanently disabled is equal to your TPD
cover plus your super account balance. Your TPD cover may be
assessed on a full TPD definition, a limited (also referred to as
“restricted” TPD definition (or a maximum of both) depending on
the amount of your TPD cover, your employment status and your
age. Your payout may be reduced depending on which TPD
definition is applicable to you. For more information, please refer to
your Product Disclosure Statement and/or any other member
materials you have received since joining the Plan or call the
Helpline.
OTHER IMPORTANT THINGS YOU SHOULD KNOW
Call our helpline: 1800 682 525
Your member no: 12345
Your employer no: 333333
About this statement
This super statement provides a guide to your super benefit entitlements in the Mercer Super Trust. The amount of those benefits shown in this
statement reflects the super payout that would have been payable to you had you left the Mercer Super Trust as at the date of this statement. The
amount of your actual super payout will be determined and calculated as at the date you leave the Mercer Super Trust and as such may vary from the
amounts shown in this statement. The amounts shown are based on your personal details as set out inside. The trustee believes these details to be
accurate, complete and up to date. However, errors sometimes occur and the trustee reserves the right to correct them. You should check the details
carefully and if you believe there are any errors please call the Helpline. Before making any decisions based on the information set out in this
statement, you should confirm the amounts by calling the Helpline. The trustee also recommends that you confirm the amount of your super payout
before you leave the Mercer Super Trust.
This document has been issued by Mercer Superannuation (Australia) Limited (MSAL) ABN 79 004 717 533, AFSL #235906, as trustee of the Mercer
Super Trust ABN 19 905 422 981. Mercer financial advisers are authorised representatives of Mercer Financial Advice (Australia) Pty Ltd ABN 76 153
168 293 AFSL #411766. ‘MERCER’ and Mercer SmartPath are Australian-registered trademarks of Mercer (Australia) Pty Ltd ABN 32 005 315 917.
Copyright 2015 Mercer LLC. All rights reserved.
MERCER SMARTSUPER PLAN | SUPER STATEMENT OTHER IMPORTANT THINGS YOU SHOULD
KNOW 13
Salary at 1 July 2015
This salary is the last salary advised by your
employer to the trustee effective on or before 1
July 2015. Where a different salary applied to
you on 30 June 2015 the value of any benefit
at that date may differ from that shown in your
statement. If your salary at 1 July 2015 is
incorrect please contact your employer.
Your address
If your address has changed, or changes in the
future, please update your new details via the
website or by calling the Helpline.
Enquiries
If you have a query or would like to obtain
additional information about the Mercer
SmartSuper Plan, including your benefit
entitlements and investments within the Mercer
SmartSuper Plan, or any of the fees, charges
or expenses paid by the Mercer SmartSuper
Plan, please contact the Helpline. The trustee
has an obligation to provide you with any
information you reasonably require to
understand your super benefit entitlements.
TAX AND YOUR SUPER
Tax is payable on taxable contributions, and certain fees and
premiums may be deductible, thus reducing the tax payable.
Tax adjustment
In some cases the timing and application of tax is such that the
Plan's administration system does not allocate tax to particular
transactions. In such cases the proper tax treatment is achieved by
way of a special tax adjustment which for this period amounts to -
$99.03.
Superannuation surcharge
The superannuation surcharge is a tax on certain contributions
made before 1 July 2005 for some higher income earners. Details
of any surcharge paid in respect of you are shown on page 2.
EMPLOYMENT STATUS
Your employment status, as advised to the trustee by your
employer, is shown on page 9. Your employment status may affect
the insured part of your super, so you should contact your
employer if you believe this is incorrect. Generally the following
definitions are used to determine your status:
Full-time
Permanent employees who work at least 15 hours per week
Part-time
Permanent employees who work less than 15 hours per week
Casual
Employees who work on a casual basis
Refer to the Product Disclosure Statement for further details and if