Presented by: Adam Kirk Australian Catholic Superannuation & Retirement Fund May 2011 Creating a secure and rewarding future.

Presented by:

Adam KirkAustralian Catholic Superannuation & Retirement Fund

May 2011

Creating a secure and rewarding future

Disclaimer

The information provided in this presentation is of a general nature and does not take into account your specific objectives, financial situation or needs.

Should you require personal advice that takes into account your specific objectives, financial situation or needs, we suggest that you consult a licensed financial planner.

About ACSRF

Inception 1981

More than 90,000 members

Over $4.3 billion invested

Not-for-profit, public offer industry fund open to all Australians

Solid investment performance over 30 years

11 investment choices

Financial planning service – wealth creation strategies

Automatic insurance cover*

Regional offices: Sydney, Brisbane, Canberra, Perth, Port Macquarie, Townsville

* Conditions apply. For further information, refer to the Fund’s current PDS.

ACSRF can help with your financial goalswww.catholicsuper.com.au

Making super contributions

Employers– 9% of salary if earning greater that $450 per month (taxed at 15%)

Pre-tax (salary sacrifice) contributions– Taxed at 15%, rather than your marginal tax rate which can be as high as 46.5%

Post-tax (after-tax) contributions– May be eligible for the Government Co-contribution Scheme

Lump sums– Sale of investments outside of super

Rollovers– Reduce multiple fees, review exit fees and insurance

– Around $12 billion in lost super

How to find your lost super

Free services to help you find your lost super

1. The ATO provides a free service to help you find your lost super

- Visit the ATO website at www.ato.gov.au/super

- Look for ‘Superseeker’, where you will need to enter your:– Name– Date of birth– Tax file number

2. AUSfund, Australia’s Unclaimed Super Fund also provides a free service to help you find your lost super

- Visit the AUSfund website at www.unclaimedsuperannuation.com

- You will need to enter your:– Name– Date of birth

Lifestyle cover for Employer members

Apply for additional Death and TPD cover without underwriting if you experience one of the following events:– Marriage

– Birth or adoption of a child

– Buy a principal residence or

– Take out or increase a mortgage to buy a principal residence

Must apply within 6 months of event and limited to 1 event in a 12-month period

Increase = 1 unit of age-based cover or the fixed cover equivalent amount of age-based cover

Income protection insurance

TSC = Temporary Salary Continuance

Income protection insurance cover provided in the circumstances of total, but temporary, illness or disablement (any illness or injury)

The insurance cover equals 85% of salary, paid monthly in arrears

Offset by any other form of income eg Centrelink, workers comp.

3-month waiting period

Continues for up to 24 months (or to age of 65)

If the disability or illness is considered permanent, a claim for total and permanent disablement (TPD) could also be lodged

Where to from here?

Start planning now:– For more information, contact your local ACSRF representative:

T: 1300 658 776 or (02) 9715 0000

E: [email protected]

[email protected]

A: Australian Catholic Superannuation & Retirement Fund31-33 Burwood Road, Burwood NSW 2134PO Box 656, Burwood NSW 1805

Do you have questions?