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VISIONARY Win the latest iPad 2! Make a post-tax co-contribution to go into the draw May 2011 Vision Super Newsletter Get the latest super information directly to your inbox Income Protection: Karen’s story Getting super advice just became easier WWW.VISIONSUPER.COM.AU The difference 1% can make How financially fit and organised are you? U55
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Page 1: Win the latest iPad 2! - Vision Super...Is your income over $61,920 p.a.? Even if you don’t qualify for a co-contribution you can still boost your super. Check out our ˝ ˝ ˇ out

VISIONARYWin the latest iPad 2! Make a post-tax co-contribution to go into the draw

May 2011

Vision Super Newsletter

Get the latest super information directly

to your inbox

Income Protection: Karen’s storyGetting super advice

just became easier

WWW.VISIONSUPER.COM.AU

The difference 1% can make

How financially fit and organised are you?

U55

Page 2: Win the latest iPad 2! - Vision Super...Is your income over $61,920 p.a.? Even if you don’t qualify for a co-contribution you can still boost your super. Check out our ˝ ˝ ˇ out

2

If you make a post-tax contribution before 30 June 2011 you could receive a matching contribution from the Government of up to $1,000 and be entered into our draw for the latest iPad 2. We have 2 on offer!

Sounds too good to be true? It’s called the Government co-contribution scheme and it’s real!

Co-contributions are special payments made by the government to super accounts of members whose total assessable income is less than $61,920 p.a. and who make personal contributions from their after-tax salary.

Receive up to 100% tax-free return on your investment!

What better way to increase your super nest egg than by getting the government to do it for you? The maximum co-contribution is $1,000. The maximum co-contribution decreases by 3.33 cents for every dollar of total income over $31,920 p.a., cutting out at $61,920 p.a.

Once you make a contribution, you don’t need to do anything. We’ll ����������� �����������������(ATO) about your contribution and they will do the rest once you submit your 2010/11 tax return.

If you’re eligible they will pay the co-contribution directly into your Vision Super account. You can make one big lump sum or several smaller contributions before the 30 June 2011 deadline.

If your contribution is processed on or after 1 July 2011 you will miss this year’s cut-off so the sooner you make a contribution the better. Avoid the end of year rush and make your contribution now! Everyone who makes a post-tax contribution before 30 June 2011 will go into the draw for the latest iPad 2. Everyone who has already made a post-tax contribution since 1 July 2010 will be automatically entered into the draw.

How much can you get?

Visit our website and click on the Co-contribution banner or call our Member Services team on (03) 9911 3222 (or 1300 300 820 for regional callers).

��� ����������������members who are making their compulsory 6% contribution post-tax may already qualify for a co-contribution and will qualify for the draw.

Our competition closes at 5:00pm on Thursday 30 June 2011. Names will be drawn on Thursday 21 July 2011 at �� ��������� ���������Level 5, 1 Spring Street, Melbourne at 9:30am.

����� �"����#��������������results published on our website from 12 noon on Monday 25 July 2011.

Please note: Unfortunately due to lottery licence regulations this competition is only open to Victorian residents.

Have you ever wished for free money? What about a free iPad 2?

Is your income over $61,920 p.a.?

Even if you don’t qualify for a co-contribution you can still

boost your super. Check out our ���������������������������������out how much tax you can save.

Visit our homepage and click on Calculators.

Page 3: Win the latest iPad 2! - Vision Super...Is your income over $61,920 p.a.? Even if you don’t qualify for a co-contribution you can still boost your super. Check out our ˝ ˝ ˇ out

3

You’ve got email!Want your super information delivered straight to your in-box? Subscribe to our online super updates. Get important information delivered to your inbox, plus bonus tips on how to maxmise your super savings. Don’t miss out on competitions and giveaways sent exclusively via email.

Choose the online updates you want:

� Visionary newsletter – latest news on your super fund and the industry

��� Investment returns – Monthly investment returns for your super investment options

��� Growing your super – Never miss another savings opportunity with tips and case studies on how to grow your super

��� Retirement planning – Discover what you need to do to prepare for this important part of your life

��� Women and super – Super information tailored to women. Read stories from our staff and other members on how to reach your retirement goals

Some members query why we send out a paper newsletter. As your super provider we have an obligation to keep you informed on what is happening in the fund and the industry. The best way to get the most from your super is to stay up to date on what is happening with it. Sometimes we’re obligated by law to inform you of updates and we use the newsletter as the medium to do so. We try to do things in the most economical way, so although there are costs involved with sending this newsletter it only cost around $0.12c per member to produce. You can help us save money and help the environment by signing up to receive our newsletter via email, instead of receiving a printed copy in the post.

To subscribe visit: www.visionsuper.com.au/newsletter

Page 4: Win the latest iPad 2! - Vision Super...Is your income over $61,920 p.a.? Even if you don’t qualify for a co-contribution you can still boost your super. Check out our ˝ ˝ ˇ out

4

FUND PERFORMANCE – SUPERANNUATION PLANSSuperannuation Plans – returns shown are net of fees and tax.

RETURNS FOR THE PERIOD ENDING 31 MARCH 2011

OPTIONSRolling 12 months

net return (%)Financial year to date

net return (%)Quarter

net return (%)Month

net return (%)

Vision Premixed Options

Conservative 6.27 6.23 1.58 0.24

������� 7.09 8.49 1.90 0.18

��������&��"� 7.54 9.84 2.67 0.57

Growth 6.72 11.12 2.23 0.11

Just Shares 5.45 13.62 2.31 0.07

Vision Premixed Sustainable Options

Conservative* 5.66 5.78 1.52 0.26

�������' 3.29 5.15 1.63 0.07

��������&��"�' 4.91 8.20 2.04 0.19

Growth* 3.92 8.90 1.82 -0.01

Just Shares* 1.14 9.84 1.62 -0.13

Vision Single Sector Options

Cash 5.00 3.73 1.30 0.50

��+� �������� 4.95 2.81 1.18 0.47

Property* 9.47 8.36 2.60 0.92

Australian Equities 4.81 15.93 2.75 0.70

International Equities 6.87 11.46 2.08 -0.46

Alternative Assets* 19.76 14.13 4.86 1.13

* Please note that these options are now closed to new investors.

Investors should be aware that returns may go up and down, so past returns are no guarantee of future performance.

Page 5: Win the latest iPad 2! - Vision Super...Is your income over $61,920 p.a.? Even if you don’t qualify for a co-contribution you can still boost your super. Check out our ˝ ˝ ˇ out

5

Do you want to get the most from your super but don’t have the time to /��"��������������������;�����������<������=� ���� ��������/��������enough to warrant getting personal advice?

We’ve just extended the range of services that our Member Services team can offer, so we can now give you quick and easy limited personal advice over the phone. Simply call our Member Services team on (03) 9911 3222 or 1300 300 820 for regional callers to get advice on these popular topics:

>� “Pre-tax or post-tax contributions…which should I choose?”

>� “Do I qualify for the Government Co-contribution?”

>� “How much insurance do I need?”

>� Assistance with helping you choose an investment option

Personal advice you can trust

����@/#����+�� ���/�� �=�������������+�������B�����������/����personal advice about your Vision Super account. We provide simple and clear advice delivered to you at no additional charge. We’ll even send you all the information you need to get started.

Not sure what to ask? Give us a call and we’ll make sure your super’s working its hardest for you. Contact our Member Services team or send us an email to: [email protected] to get started.

Getting super advice just got easier

Research* has shown that individuals who have professional advice tend to have:

>� ���������������� <�����B���+� ��������������+ �/�� X

>� ��#����/����#�"������ ������+ �/��������� <������X

>� ����������� �����������B����� �+��B Z

It’s your money, make sure you get the most from it.

Disclaimer: Please note the general and personal advice provided is limited to your Vision Super account.

*‘Value Proposition of Financial Advisory Networks’, KPMG EconTECH, 29 October 2009.

Page 6: Win the latest iPad 2! - Vision Super...Is your income over $61,920 p.a.? Even if you don’t qualify for a co-contribution you can still boost your super. Check out our ˝ ˝ ˇ out

6

The fact is the Age Pension isn’t enough to live on, and we’re living longer so our super has to last. No one wants to outlive their savings. Getting into the savings habit is the best way to guarantee the retirement income and lifestyle you want.

The good news is you don’t need a lot of spare cash to start a regular savings plan. As an example, Joanne earns $60,000 p.a. She saves an extra 1% of her pre-tax salary from age 30 ����B� ������ ������Z��������/�she’s 65, her super account

balance has grown to $358,100. This is an extra $37,300 she wouldn’t have if she hadn’t made the extra contributions. If she saved 2% instead, she would have $395,400 in her account by the age of 65. The graph below shows her savings.

The difference 1% makes to your savings

Less than $2 a day goes a long way

For Joanne, saving 1% of her salary equates to around $1.60 a day. Saving 2% equates to around $3.30 a day and saving 3% equates to � �����\]������Z����� � ���� �away small amounts, she doesn’t have to cut back on her daily lifestyle, and can easily afford her savings habit. Even if it’s only $15 or $25 a week, it is important to get into the habit of saving regularly.

��#���������/�������B�means that over time, you start to accumulate earnings on your earnings. So the earlier you start saving, the more time your earnings have to snowball.

������������� ����� ������� ���of your salary

��� �+��B���������B���������salary, your savings grow in line with your earning power. If you experience a drop in salary, your

savings will also decrease. If you experience a salary increase, your savings will also proportionally rise. This helps you save comfortably without impacting on your lifestyle.

Start your savings habit.

Contact our Member Services team on (03) 9911 3222 or 1300 300 820 for more information. We can help you decide if before or after-tax contributions are best for you and give you all the information you need to get started.

0

$100,000

$200,000

$300,000

$400,000

$500,000

WHAT DIFFERENCE A PERCENTAGE WOULD MAKE

$320,800

$432,600$395,400

$358,000

% of salary saved into super

0% 1% 2% 3%

Sup

er b

ala

nce

at

reti

rem

ent

Assumptions:

>� a starting age of 30,

>� a starting superannuation balance of $0,

>� retirement age of 65,

>� taxable salary of $60,000,

>� salary indexation of 3.5%, and

>� a net investment return of 6.5%.

Page 7: Win the latest iPad 2! - Vision Super...Is your income over $61,920 p.a.? Even if you don’t qualify for a co-contribution you can still boost your super. Check out our ˝ ˝ ˇ out

7

^�"���������������������B��� ��������;��"����������������������������������/����� �������� ������������������Z���/������#��B����������������������"�������/����� �#��B� ���Z�����#������������/�<���#��B���������X�����������know what your priorities are. What are you aiming for and how do you want to achieve it? Or in other words, "�����������/������� �����������������B��� ;

1. Your main lifestyle goals

e.g. travel overseas, start my own business, be healthy and wealthy.

Short-term: _________________________________________________________________

Medium-term: ______________________________________________________________

Long-term: _____________________________________________________________

�������� ����� ��� ��� ��

ZBZ�������#��<��#������ ����������X� �+�\]`X```����/�� �+��B ��������X������"���\]``X```����superannuation.

Short-term: _________________________________________________________________

Medium-term: ______________________________________________________________

Long-term: _____________________________________________________________

z+�����"��� ����#��������������X�#������ ��������<��"�"����� ���������������� ��B��� �Z�^�"��������������B��� ��������;���<�����=��{�����������|

�������������� ��� ��!��� ����"� ���!�#

� I pay my bills on time so I won’t get hit with interest and late fees Yes / No

� ~��+�������B� � �/�����/��#��� X��� �����X��B� ������� X�"������� ����� ������������� ���/�� Yes / No

� I scan my bills and statements regularly to look for debits, fees or purchases that are unaccounted for Yes / No

� I regularly save amounts into my long-term savings and superannuation accounts Yes / No

� I plan meals and grocery lists in advance to save money on eating out Yes / No

� I have a good idea of how much I spend weekly/monthly Yes / No

� I have a weekly/monthly budget that is practical for my everyday expenses Yes / No

(should take 12 to 18 months to achieve)

~��������� "� �"��/� ������ ������B���������� �����+��B����������������#�� Z����B��������������B��� ���� �����/�<������/����� ��� �����"�/������ �������� �+X� ��������"�� ���������������������������� Z�~�� �/���������answers were ‘no’: Consider making these a short-term goal. While your time may be precious, so is your future. When you consider that you may live a third of your life in retirement, you can’t afford not to make time to pay attention to and ���� ��������������� Z

(should take from 5 years onwards to achieve)

(should take 3 to 5 years to achieve)

(should take 12 to 18 months to achieve)

(should take from 5 years onwards to achieve)

(should take 3 to 5 years to achieve)

Page 8: Win the latest iPad 2! - Vision Super...Is your income over $61,920 p.a.? Even if you don’t qualify for a co-contribution you can still boost your super. Check out our ˝ ˝ ˇ out

8

The morning after a heavy hailstorm, Vision Super staff member Karen Olesen was checking on the chooks at her parents’ hobby farm in Yarram, when without warning she slipped and fell on a muddy concrete path.

For the next 6 weeks, Karen was unable to do anything other than lie on her left side. It took 6 more months, a battery of tests and numerous hospital visits for doctors to discover that she had torn the /� �� ��������B���B�����+�places.

The hidden cost of waiting

“After 60 days I’d used up all my annual and sick leave. I also needed to pay rent and bills. I hadn’t applied for social security because I didn’t think my injury "� ����� ���� Z��������/����became two, and two became three, and my leg wasn’t healing quickly enough.”

As a Vision Super Saver member, Karen had automatic Income Protection cover with a waiting period of 90 days.

~��"� �����������������B����wait out the 90 day period, but eventually she was able to lodge ��#��������/Z��~�"� ����<��because I could stay with my parents, friends looked after me ����~���� �/� �+��B Z�����~���see my bank balance go down and think to myself, how am I going to pay for the next doctor’s #���;�~��������������//���people think about changing their waiting period to 60 or 30 days.”

Freedom to be independent

After 9 months, Karen resumed working two days a week, gradually increasing to 3 and then 4 days. While she eased back into work, she also received partial #�������/�� Z�

Today Karen still needs her walking stick to get around, and has many more hours of physiotherapy ahead of her. ���� � ������� ���������Z

“With income protection, I can take a cab if I need to. I’m not as fully reliant on people to take me places; I can still have my independence and do things on my own.”

“Something as simple as slipping on a path I’ve walked hundreds of times…I’m lucky I had income protection from the start, but I didn’t think I’d ever have to use it.”

&��!��������������"#�

Unfortunate incidents are often completely unexpected; by the time the need arises, it is often too late to take out insurance cover.

Find out if your income is adequately protected. Contact our Member Services team on (03) 9911 3222 or 1300 300 820 for regional members.

Income Protection – Karen’s story

Page 9: Win the latest iPad 2! - Vision Super...Is your income over $61,920 p.a.? Even if you don’t qualify for a co-contribution you can still boost your super. Check out our ˝ ˝ ˇ out

9

Jasmine was married to Tom and ����� ��X�������X����/����� ��marriage. She wanted to leave all of her super to Julian. However when Jasmine died suddenly, her super fund Trustee distributed her super ����#����=������#�"����/�and Julian. Even though Jasmine’s will stated that she wanted 100% of her super to be given to Julian, he was unable to reverse the Trustee’s decision.

Why did the Trustee choose to ��������� !���#As Jasmine hadn’t nominated any #������� �����B��� ����fund, the Trustee had to decide who ���������#������Z�~��/�<��B�its decision, the Trustee takes into account the member’s wishes, however the Trustee has a legal responsibility to pay the death #����������� �������� �� �most entitled to it (in this case the deceased’s husband and son). The Trustee makes this decision taking into account the alternatives allowed by legislation and the Trust �������/� ��������#����within the strict legal guidelines, even if the decision it makes is an unpopular one.Super fund Trustees are not legally obligated to follow the instructions in a person’s will, and can distribute �� ��������#����������� ��� �dependents and/or legal personal representative at their discretion. The only way to control who receives your super when you die is ���/�<���������B����������Nomination.

How do I control who receives my �����#@�<���������B����������Nomination. This allows you to instruct the Trustee how you want your super to be distributed to your dependents and/or legal personal representative. The Trustee is legally �#��B���������������+�����������B������������/�������Z

Can I nominate anyone to ��� �'��"����(� ��'�����)��� ��#��������B����������Nomination only binds the Trustee if you nominate your dependent(s) and/or legal personal representative. These include: your spouse, children, and any other person with whom you have an interdependency relationship.

Is there an expiry date on �!�'��"����(� ��'�����)��� ��#

������B������������/������� �are only valid for three years. If you die without renewing your binding nomination, it will be invalid and ���������#����"�����+������being at the Trustee’s discretion.

*� �����!�������"� �������#���������#���������� ���money in your super account at the time you die plus any �� ������#���X���������������cover as part of your super fund //#� ��Z��� �#����� �����taxed, subject to certain conditions, ������������������#������� Z

Avoid being slugged with tax����� ��������#����� �����free if paid to your dependant(s) as a one-off lump sum. If paid as a pension, it may attract tax depending on the age of your dependent(s). Many people fall into a tax trap by assuming that their children are always dependants. Adult children above the age of 18 are not considered dependants for tax purposes. If your adult child cannot prove they "��������������������������X�or had an interdependent relationship with you, the super payout will be subject to tax. Talk matters over with people who /������������+��������������dependence on you. It can help to give them easy access to relevant �������������� ����"������agreements about the support you were giving them, in case they need to prove their claim. Taxation of ����#��� �����#�����/����issue, and we strongly recommend you seek advice from a licensed taxation adviser.

^�+�������/����������� ����#�������;

For more information or assistance, please call our friendly Member Services team on (03) 9911 3222

(for regional callers 1300 300 820) or email us.

Page 10: Win the latest iPad 2! - Vision Super...Is your income over $61,920 p.a.? Even if you don’t qualify for a co-contribution you can still boost your super. Check out our ˝ ˝ ˇ out

10

CONCESSIONAL CONTRIBUTIONS:

For members aged under 50 in the 2010/2011 and 2011/2012 ������������ X������������/������concessional super contributions (also known as before-tax contributions) per person per year is set at $25,000, (indexed in future years). Concessional contributions include your employer Super Guarantee (SG) contributions, ������ �������������#����� �and any personal (deductible) contributions made into your account. There are serious tax implications for anyone exceeding the limit, for example by salary ��������B�����/��Z�

For members aged over 50, a transitional limit of $50,000 (not indexed) per person per year, applies until 30 June 2012. If you are turning 50 leading up to 30 June 2012, you will be able to take advantage of the increased transition limit from the time you turn 50. The Federal Government has proposed to retain this higher $50,000 limit only for people aged 50 or over, with total super balances below $500,000 from 1 July 2012. Vision Super will continue to monitor this proposed change.

Excess concessional contributions tax of 31.5% is payable for exceeding the cap. This is in

addition to the 15% contribution tax, which brings your tax liability on the contributions to 46.5% (the top marginal rate). So, it’s worth checking that your total concessional contributions made �������������������#��"���limits noted.NON-CONCESSIONAL CONTRIBUTIONS:

For the 2010/2011 and 2011/2012 ������������ ����������limit on non-concessional super contributions (also know as after-tax contributions), per person per year is set at $150,000. This limit is calculated at 6 times the under age 50 concessional contribution limit. Excess non-concessional contributions are taxed at 46.5%.

It is possible to boost your non-concessional contributions for a particular year by taking

advantage of the ‘bring forward’ rules.

Individuals under age 65 can bring forward 2 years’ worth of non-concessional contributions for a $450,000 limit to apply over 3 years. See the table below for examples of how to bring forward non-concessional contributions.

You can check your account online via the member secure site available through www.visionsuper.com.au.

Want to access your account online? Download our Web Access Form 50 or call us on 03 9911 3222 (1300 300 820 for regional callers) for more information.

Important information about contribution limits

Non-concessional contribution limit examples

2010-11 2011-12 2012-13 2013-14

�����B����"�������/���� $150,000 $450,000 $0 $0

�����B����"�������/���� $100,000 $200,000 $250,000* $0

Note: Concessional (before-tax) contributions in excess of the age-based limit will also count towards your non-concessional limit. To the extent your contributions exceed both the ���� ������������������ ������������#��������� ������������������X����� ��/�����������end up being taxed at an overall rate of 93% (ie: 15% + 31.5% for the concessional contributions and 46.5% for the non-concessional contributions). The Government co-contribution does not count toward your non-concessional (after-tax) contribution limit.

The ‘bring forward’ option is only available for those under the age of 65.

*$250,000 is the maximum non-concessional contribution in 2012/2013 as the ‘bring forward’ rule was triggered in 2011/2012, meaning a maximum of $450,000 applies in the 2011/2012 and the following two years.

Page 11: Win the latest iPad 2! - Vision Super...Is your income over $61,920 p.a.? Even if you don’t qualify for a co-contribution you can still boost your super. Check out our ˝ ˝ ˇ out

11

Did you know that as a Vision Super //#����������#�������/��� ����� ���������� ����������B�^��;�Make the most of your membership and take advantage of these extras! Vision Super members are able to access a great value through the Health Plan #���B���������#��^���"�����]��discount on health insurance premiums for eligible members.

^���� ��+������+����� �to Wellness. Understanding these important health and lifestyle changes, and taking positive steps to act upon them, is a vital part of your journey to wellness and better health.

STOP SMOKING: The proven link to cancer, heart disease, stroke, infertility and other health problems makes it more important than ever to quit the habit.1 Talk to your GP or call 13QUIT – getting help "���� �B�����������/���+��������������giving up successfully.2

GET ACTIVE: ������#��� ����/���������� �at least 30 minutes most days of the week are remarkable. It can keep you in a healthy weight range as well as improve your heart health, immune system, energy levels, muscle tone and strengthen your bones.3

EAT WELL: Healthy eating with 2 serves of fruit and 5 of vegetables daily, low fat ������������� X�����������X��#��and wholegrains gives your body the nutrients it needs to function at its best as well as protect you from illness. Avoid trans fats and keep a watch on your intake of saturated fats, sugar, salt and alcohol.4

GOOD QUALITY SLEEP: Make time for sleep, rest and relaxation. Experts recommend 7-8 hours for adults and 9-10 hours for teenagers every night. This is a time when the body grows, repairs and restores itself and allows the brain 'down time' it needs to fully function the next day.5

KNOW YOUR HEALTH VITALS: Early detection means early intervention – and early intervention means better health outcomes. Your blood pressure, cholesterol, blood glucose levels and weight – your vital health statistics – can be important signs that you need to take action or step up your efforts to improve your health.5

UNDERSTAND YOUR PERSONAL HEALTH RISKS: Your age, gender, stage of life, background, family history and whether you have any long-term health conditions are all factors that shape

your personal health risks. They can give you important direction as to where you should start with the necessary preventative actions to help you live a longer and healthier life.6

FIND A GP YOU LIKE AND STICK WITH THEM: Visiting the same GP increases the chance of detecting and treating potentially serious illnesses. It can improve the management of long-term health conditions such as diabetes, reducing the risk of complications. Your GP is in a vital position to help you identify your health risks, advise on any action needed and support you in managing those risks.

^��� ��+����� �������� �

For more health and wellness information, visit bupa.com.au. Sources:

1. Cancer Council: www.cancercouncil.org.au

2. Quitnow: www.quitnow.info.au

3. National Physical Activity Guidelines: www.health.gov.au

4. Dietary Guidelines for all Australians, National Health and Medical Research Council: www.nhmrc.gov.au

5. �����^���������X�����������Government: www.betterhealth.vic.gov.au

6. The Harvard School of Public Health: www.hsph.harvard.edu

Page 12: Win the latest iPad 2! - Vision Super...Is your income over $61,920 p.a.? Even if you don’t qualify for a co-contribution you can still boost your super. Check out our ˝ ˝ ˇ out

�������/����������� ��" �����"� ���������������/������#��������Z��� ��������������]`�`�������]����������]�`]���#��+ �������������������� ����������������misleading but we give no warranty in relation to it. Save for any statutory liability, we disclaim all liability for any loss or damage that may arise from anyone acting on the content. All services and products detailed in this newsletter are subject to Australian laws that may change from time to time. This information is not intended to act � ������������+��Z��//#�X�����������/ ���� ���������������� �������=�Z�����������B������#� � ����������B��������������� �����/��X����� �������� ����"������� ���������������������� ����������/ ���� Z����� ������#�����������������+�������������� ��� �������/���#������=�����B���������������������Z�We suggest you seek professional advice to make the best choice for your circumstances.

This year we celebrated the 100th International Women’s Day. The day recognised the challenges ahead towards realising gender equality in Australia and all over the world, and celebrated the economic, political and social achievements of women in the past and present.

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Equal opportunity super

���������X���z=����������������������/����������<������������������� �X�and only 25% of working women had superannuation. Today there are more than 4.8 million women in the workforce, the majority of who have superannuation. Super provides you with:

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>� Planned security in retirement

>� Access to insurance cover for death and for total and permanent disability at lower cost

If you’d like more information about making the most of your super, please contact our Member Services team on (03) 9911 3222 or (1300 300 820 for regional members).

Questions Comments Share your story

We’d love to hear your thoughts on the challenges of being a woman and saving for the future.

Share your tips and questions with us at:

www.visionsuper.com.au/superwomen and we’ll post your comments on our new online women’s section.

SUPERWOMEN, our new online women’s section gives you information about �������� ����B������"�/�Z��� ��+��� ��"�� �����/���+���������������situation. Visit www.visionsuper.com.au/superwomen

Disclaimer: Vision Super reserves the right to moderate all comments and we reserve the right not to publish any comments which we deem, in our absolute discretion, to be offensive, illegal, defamatory, contain profanity, or are otherwise considered to be unacceptable.


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