october 2021 pension guide - christiansuper.com.au

1 Christian Super Pension Guide - October 2021

October 2021

Pension Guide


This Product Disclosure Statement (PDS) provides a summary of key information for Christian Super Pensions. It contains references to important information which also forms part of this PDS. You should consider all the information contained in this PDS before making a decision about investing in Christian Super.

The information provided in this PDS is general information only and does not take into account your personal financial situation or needs. The PDS intends to provide information, not advice. You should obtain financial advice that is tailored to your personal circumstances taking into account your individual objectives, financial situation and needs.

Christian Super is governed by a Trust Deed. As a member you are bound by the terms of the Trust Deed and Rules. This may be amended, subject to superannuation law. The Trust Deed and Rules provide for many of the rights, duties and responsibilities of the Trustee, members, beneficiaries and employers.

If there is any conflict between the PDS and Trust Deed and Rules, the Trust Deed and Rules will prevail.

The information in this guide is correct as at the issue date and is subject to change. Updated information is available from our website or Member Care Team.

About Christian Super 4

Pensions explained 7

How your Christian Super pension works 8

Ethical investing 12

Investment information 14

Investment options and performance 15

Purposeful retirement 20

Fees and costs 22

Tax on pensions 23

Pension application form 24

Rollover request to transfer funds 27

Tax file number declaration form 29

Other information 31

Issued by: Christian Super Pty Ltd ABN 68 065 040 619 AFSL No. 244117 RSE License No. L0000918

As trustee for: Christian Super ABN 66 628 776 348 SFN 1242 009 45 USI CHR0001AU RSE registration No. R1004137 MySuper Unique Identifier: 66 628 776 348 908

Contents

If you have any questions or would like more information please contact Christian Super

1300 360 907

www.christiansuper.com.au

Locked Bag 5073 Parramatta NSW 2124

[email protected]

http://www.christiansuper.com.au

mailto:members%40christiansuper.com.au?subject=


Christian Super exists only to benefit members, while providing a high quality tailored service


About Christian Super

Christian Super is an industry superannuation fund that provides superannuation, investment, insurance and Pension services.

Christian Super exists only to benefit members while providing a high quality tailored service. We also aim to keep costs as low as possible and do not pay any commissions to financial advisers.

Christian Super seeks to invest in accordance with Biblical principles, consistent with our Statement of Faith, to ensure that members’ funds are managed responsibly.

To this purpose we pursue investments in companies that care for people and God’s creation, who demonstrate sound ethical practices and meet performance standards in their social, environmental and financial stewardship.

We avoid investments in companies that produce goods or services that have addictive or harmful effects on people (such as illicit drugs, gambling, tobacco, pornography), that are excessively harmful to the environment, and that abuse human dignity or freedoms.

Why choose Christian Super for your Pension?

Ethical investmentsChristian Super invests your retirement savings in ethical investments that align with Christian beliefs, while delivering healthy returns.

Transition to retirementChristian Super offers convenient transition from work to retirement, all in one fund, through our Transition to Retirement Pension.

Investment optionsYou can choose from a variety of our investment options, each with a different risk/return profile. You can also mix and match amongst these options to suit your needs.

Help when you need itIf you have questions about your Christian Super Pension, you can contact our Member Care Team on 1300 360 907 or via email to [email protected]

Qualified staff Our staff offer professional services to help you with all your enquiries. We can also give you free general pension advice over the phone about areas like beneficiaries and our investment options.

Financial educationMembers have access to quality, Bible based financial education and advice.

Christian not just by name At Christian Super our staff are devoted believers applying their God given skills and ability to serve you.

Online accessYou can view your up-to-date account information via your online MemberAccess account at any time. You can also update your account details and process online transactions, including updating your personal details, changing your investment choice or changing your nominated beneficiaries.

mailto:[email protected]


You can view your up-to-date account information online at any time


You can choose from several different investment options


Why have a Pension?A Christian Super Pension allows you to receive payment from your Christian Super account on a regular basis, allowing you to focus on the more important aspects of life. Similarly, a Transition to Retirement (TTR) Pension allows you to draw income from your Pension while you are still employed.

Can I have a Pension?A Christian Super Pension can generally be started once you have met a retirement condition (refer to page 11). However, you may start a Transition to Retirement Pension at any time after reaching your preservation age (refer to page 11).

Your initial Pension account needs a balance of at least $20,000. You can set up your Pension account using your existing Christian Super account as well as transferring amounts from other superannuation funds.

You may also be able to transfer amounts from your personal savings (subject to certain conditions). However, these need to go into an active superannuation account first. Please note that you can not add further contributions or rollovers to your Pension account after it has commenced. It’s therefore important that you have transferred all money you want to include before we commence your Pension.

How do I start a Pension?You can apply for a Pension online through your MemberAccess account if you are an existing Christian Super member. Alternatively you can complete the attached Pension Application Form and provide Proof of Age (certified copy of a driver licence or passport) for both you and, if you have selected one, a reversionary beneficiary.

You may want to include rollover forms from other funds and transfer payments. To do this please complete a Request to Transfer (a copy which is included at the back of this document or which is available on the Christian Super website). If you’re an existing Christian Super member you can transfer your super over the phone by contacting our Member Care Team or by using our online e-rollover service via MemberAccess.

We will only commence your monthly Pension payment after we have received all of the transfers that you list on your application form. Please note that if you are an existing Christian Super member we will first consolidate any

transfer into your current member account – any changes in investment option chosen on your Pension application form will only take effect once the Pension starts.

How is my Pension invested? You can choose from several different investment options. Each option has a different investment objective and strategy to reflect your specific needs. Full details about these options can be found on pages 17 and 19.

Investment earnings on Pension assets are generally not taxed (tax does apply for TTR Pensions). This means that Pension account returns will generally be greater than those attained in a standard superannuation account (this effect is reversed if investment losses are incurred).

Where can I get help?For free tailored superannuation advice log in to MemberAccess on our website to use our SmartAdvice advice tool or call our team on 1300 360 907 to arrange to speak with a qualified adviser.

What happens to my account when I die?When completing your application you can nominate what you would like to happen to your account when you die. There are a couple of options you can make.

You can simply nominate that your spouse will continue to receive monthly payments as a Reversionary Pension.

Alternately you can arrange for your account to be paid in full to your dependants or to your estate.

Refer to page 11 for more details.

Pensions explained

8 Christian Super Pension PDS

The money in your Christian Super Pension account is placed into your selected investment options. Earnings accrue and are applied to your account. You receive regular Pension payments, and fees are deducted.

You decide how much you want to receive as a regular Pension payment (subject to the legislated minimum annual limit and a maximum limit for Transition to Retirement). That amount is deducted from your Christian Super Pension account and transferred, net of any tax, into your nominated bank account. If you have unrestricted benefits, you can also make lump sum withdrawals.

After 1 July each year you can change the amount of Pension you want to receive, to reflect changes in the minimum annual amount and your account balance. You can also change your amount at any time during the year, subject to the minimum annual amount.

Payments continue until your account is fully drawn. How long your Pension will last therefore depends on:

• The total amount in your account at the start

• Investment earnings (or losses) and fees allocated to your account

• The level of Pension you choose each year

• Any lump sum withdrawals you make

How your Christian Super Pension works

A Pension can take the hassle out of having to manage your own investment portfolio in retirement and can provide a tax effective way to derive regular payments from your retirement savings


Key features

Christian Super Pension Christian Super Transition to Retirement Pension

Initial account: $20,000 minimum. You can rollover money from other funds and may be able to transfer other savings.

$20,000 minimum. You can rollover money from other funds and may be able to transfer other savings.

Pension payments:

You can receive Pension payments: twice a month, monthly, quarterly, half yearly or yearly.

You can receive Pension payments: twice a month, monthly, quarterly, half yearly or yearly.

Start of Pension: You must generally have reached preservation age and have satisfied the preservation requirements.

You must have reached preservation age.

Pension term: Payments continue until your account runs out. The Pension automatically reverts to a Christian Super Pension when preservation no longer applies.

Pension amount: You select the amount, subject to a legislated lower limit that is recalculated at 1 July each year.

You can withdraw no more than 10% of your account balance each year. You must ensure that you withdraw a minimum amount from your account.

Lump sum withdrawals:

Permitted at any time, up to the full remaining balance in your Pension account.

Permitted only if a condition of release is met.

Investment options:

Seven investment options, all ethically screened with a different risk/return profile. You can also mix and match amongst these options to suit your needs (refer to page 17 - 19).

Seven investment options, all ethically screened with a different risk/return profile. You can also mix and match amongst these options to suit your needs (refer to page 17 - 19).

Administration fees:

$1.25 per week plus 0.30% pa of your account balance (refer to page 22).

$1.25 per week plus 0.30% pa of your account balance (refer to page 22).

Investment fee: 0.20 - 0.39% depending on your chosen option (refer to pages 17 - 19).

0.20 - 0.39% depending on your chosen option (refer to pages 17 - 19).

Tracking your Pension:

Using the online MemberAccess login, you can view your account balance, check your Pension payments, switch investment options and much more.

Using the online MemberAccess login, you can view your account balance, check your Pension payments, switch investment options and much more.

Tax: Investment earnings are tax free. Investment earnings are taxed. Varies by option.


How much will my regular Pension be?The Christian Super Pension allows you to nominate the Pension income you wish to receive, subject to the legislated minimum limits. You can also change the amount during the year. This gives you the flexibility to alter your Pension to meet specific needs from one year to the next year.

Each year you must take from your account the minimum Pension as shown in the example below. The Government sets these age based amounts, which are applied to your account balance at the start of your Pension (pro-rata for a partial year) and at each subsequent 1 July to determine the required minimum for your Pension payments each year.

Note that a maximum limit of 10% applies for Transition to Retirement Pensions.

We will send you a statement after 1 July each year that shows your new limit and allows you to change your payment amount for the following year.

How will I receive my Pension payments? Your Pension payments will be credited to your nominated bank, credit union or building society account.

Can I terminate my Christian Super Pension?Yes, at any time you can take your remaining account balance from a Christian Super Pension as a lump sum. If you have a Transition to Retirement Pension, you can stop your Pension and return your benefit to a superannuation accumulation account. Tax may apply if you are aged under 60.

Can I make a lump sum withdrawal?You can make lump sum withdrawals from your Christian Super Pension account at any time in additional to your regular monthly payments, provided you have an unrestricted benefit. This gives you the flexibility to meet specific or unexpected needs.

If you have a Transition to Retirement Pension, you cannot make lump sum withdrawals unless you meet a condition of release.

Can I change how my funds are invested?You have the option to change how your funds are invested at any time. To switch your investment option simply log into MemberAccess via our website. Alternately, you can use the Investment Choice Form – Pension Member which can be obtained from our website or through contacting our Member Care Team ([email protected] or 1300 360 907).

You will receive communication from Christian Super confirming any changes you make in the way your funds are invested.

Can I create my own investment portfolio?While you cannot directly choose which shares or other vehicles you invest in, you can select one or more of our investment options to be invested through (refer to page 17 - 19).

Which investment option will my pension payments and future transactions come from?If you have more than one investment option, your payments will be deducted from the investment option that you have selected on the application form for this purpose.

If your selected future transaction investment options do not have sufficient funds, the payments will be deducted proportionately from your remaining investment options.

How often can I get paid my Pension?You can choose for your Pension to be paid twice a month, monthly, quarterly, half yearly or yearly. If you choose to be paid:

Twice a month Payments will usually be processed on the 15th and the 28th of each month

Monthly Payments will usually be processed on the 15th of each month

Quarterly Payments will usually be processed on the 15th of January, April, July and October

Half-yearly or yearly

You need to nominate the month(s) in which you wish to be paid. Payments will usually be processed on the 15th of the nominated month(s)

If the usual date of payment is not a business day, your payment will generally be processed on the previous business day. Pension payments usually take one business day to be credited to your bank account. It may take slightly longer if you have nominated a credit union or building society account.

Where your Pension commences on a day other than 1 July, we will pro-rata the payments for the first year. If you start your Pension between 1 June and 30 June, you can choose to start receiving payments in that financial year or wait until the next financial year.

Example: If you have invested 20% in Ethical Cash, 40% in Ethical High Growth and 40% in Ethical Balanced Growth, you may choose to have all your Pension payments, fees and charges deducted from just one option, such as Ethical Cash. If the account balance in this option runs out, payments will be deducted proportionally from Ethical High Growth and Ethical Balanced Growth.

Example: Jenny is 66 years old. She is starting a Christian Super Pension on 1 October with a total account balance of $240,000. Her annualised minimum Pension is $12,000 p.a. (equals 5% of $240,000).The first year is only 9 months, so her pro-rata minimum Pension is $9,000 being 9/12 x $12,000). This equates to $1,000 per month over the 9 months.



Estate planningNominating beneficiaries is important, however estate planning can be complex. You may wish to seek the advice of a legal professional or a licensed financial adviser.

Nominations do not carry over from other previous accounts (including Christian Super accumulation accounts) so you will need to make new nominations for your Christian Super Pension.

You should also ensure that you nominate valid dependants. Further information is available on page 3 of the Pension Application Form towards the end of this guide.

Three options for nominating a beneficiaryYour Christian Super Pension or Transition to Retirement Pension gives you the following options for providing for your dependants if you die before your Pension account runs out. You need to carefully consider which type of nomination best suits your needs.

Option 1: Nominate a reversionary beneficiary at the commencement of your PensionIf you nominate a reversionary beneficiary, your dependant will receive ongoing payments in the event of your death, subject to certain dependency conditions. To establish a reversionary beneficiary, you must make this nomination in your application. Reversionary nominations are not available after the commencement of the Pension and cannot be amended or revoked.

Option 2: Nominate binding beneficiaries or a legal personal representativeBinding nominations require the Trustee to pay your superannuation benefit as a lump sum to your nominated beneficiaries if your nomination is valid and current. Binding nominations must be renewed every three years. You must only nominate eligible financial dependants (or your estate). The Binding Beneficiary Nomination Form can be found at www.christiansuper.com.au/pds-guides-forms/

Option 3: Nominate non-binding beneficiariesA non-binding beneficiary nomination will indicate your beneficiary preferences and will assist Christian Super to determine who should receive your superannuation benefit as a lump sum. The Trustee is not bound by this nomination and will use this as a guide only. This type of nomination can be done online at anytime.

Transition to Retirement Pension

What is a Transition to Retirement Pension?In certain circumstances the Government allows you to access your superannuation as an income stream even if you have not yet permanently retired from the workforce.

You must have reached preservation age to be eligible to commence a Transition to Retirement Pension.

This can be a very useful type of Pension, depending on your circumstances.

• If you decide to work fewer hours as you approach retirement you can use your super to supplement your income.

• You may be able to reduce tax on your normal employment income, by using a combined strategy of salary sacrifice contributions and a Transition to Retirement Pension. You should seek financial advice for your specific situation.

How is it different?In many respects the Christian Super Transition to Retirement Pension works in the same way as the Christian Super Pension. In particular:• The same investment options apply (although you will pay

tax on investment earnings, unlike in the Christian Super Pension).

• The same minimum limits apply to regular Pension payments.

However, there are also important additional rules:

1. Maximum limit The total of all Pension payments you can receive in any financial year is limited to a maximum of 10% of your account balance at 1 July.

2. Lump sum payments Until you retire permanently (or otherwise satisfy the preservation requirements) you generally cannot withdraw restricted portions of your Pension account as a lump sum payment.

3. Taxation on payment Before age 60, any taxable component of your Pension payments will be included in your taxable income.

When does it cease?Your Christian Super Transition to Retirement Pension will automatically revert to a Christian Super Pension once you have satisfied the preservation requirements.

PreservationGenerally, superannuation benefits must be retained in the superannuation system until you meet one of a number of specified requirements.

Your Preserved Benefit is available when:

• You retire from the workforce after reaching the Preservation Age as follows:

Date of Birth Preservation Age

Before 1 July 1960 55

1 July 1960 – 30 June 1961 56

1 July 1961 – 30 June 1962 57

1 July 1962 – 30 June 1963 58

1 July 1963 – 30 June 1964 59

after 30 June 1964 60

• You reach the age of 60 and are leaving your employer.

• You reach the age of 65 (regardless of employment status).

• You satisfy another prescribed condition of release.

Before then, you may receive an income (after reaching your Preservation Age) from a Transition to Retirement Pension while you are still working. You can also transfer (or rollover) your benefit from one fund to another at any time.

Preservation does not apply to certain non-preserved amounts built up before 1 July 1999 – these are shown on your annual Pension Statement. An Unrestricted Non-Preserved Benefit can be taken at any time, while a Restricted Non-Preserved Benefit can generally be taken when changing employment.

http://www.christiansuper.com.au/pds-guides-forms/


Ethical investing

At Christian Super, we believe the way your superannuation is invested matters. We are committed to ethically investing your money and delivering healthy investment returns over time, so that you can enjoy a resourced and purposeful retirement. This guide outlines some of the ways you can be confident your money is invested well.

We are happy to answer any questions you might have about how your retirement savings are invested. Please contact our Member Care Team (see back cover for details) if we can help in any way.

What is ethical investing? As a Christian community we share a wide range of core values – the authority of God, respect for human life and the importance of caring for God’s creation. Our ethical investment strategy focuses on investments that support these core values.

This means that we invest your superannuation differently to other funds. We do not invest in certain companies or industries that are involved in certain activities. But perhaps more importantly, we actively invest in ways that encourage positive outcomes. Christian Super takes into account labour standards and social, environmental and ethical considerations for the purposes of selecting, retaining or realising investments.

Our approach to implementing biblical values across the entire portfolio recognises that no company is perfect and we avoid investing in companies with material exposure to unethical activities. In some cases (for example nuclear weapons, cluster munitions, embryonic stem-cell research) we apply no materiality test but instead will exclude a company for any involvement in these activities whatsoever. For other issues (e.g. alcohol), we will apply a materiality test and may invest in companies who have a small business exposure to these activities. For more detailed information, please see our website.

Ethical investment and returnsThere has at times been a misconception that investing in accordance with your values is damaging to your investment return. A large number of academic studies now demonstrates that this is not the case. In fact there is an increasing body of evidence suggesting that investing

ethically by taking environmental, social and governance considerations into account can actually improve the overall performance of an investment portfolio.

Because Christian Super invests for the long term and in different ways to other superannuation funds, there will be times when your investment with Christian Super performs differently to other superannuation funds. However like other superannuation funds, Christian Super’s investments are exposed to global economic conditions. This means that the value of investments can rise and fall. The more growth orientated or aggressive the investment option, the more likely it is to experience a negative return or a very positive return, particularly over shorter time frames. This is why it is important to make sure that your investment choice fits well with your investment horizon – the amount of time you have to invest. You should also make sure, if you are in an aggressive investment option, that you are comfortable with the more volatile returns that these options experience over shorter time periods.

We are constantly monitoring investment markets in Australia and around the world to find the best long-term investment opportunities for each of the investment options we offer, to make sure that your retirement is resourced and purposeful.

Christian Super was a founding signatory to a financial initiative launched by the United

Nations in April 2006 called the Principles for Responsible Investment. The Principles have now been signed by hundreds of investment organisations worldwide.


Above: CARE Hospitals (a Christian Super investment) are a group of hospitals and clinics in India, known for their innovative processes and passion for a smooth patient journey.

Our ethical investment approach

We avoid investing your money in companies that violate human rights.

We avoid supporting industries that use exploitation or predatory practices.

We avoid industries that produce addictive or harmful goods and services.

We choose to invest in companies that are ethical, honest, professional and accountable.

We choose to invest in companies that are environmentally responsible, socially beneficial and financially strong.


Investment strategyChristian Super’s professional investment team oversees the Fund’s overall investment portfolio to ensure that it is invested wisely. The fund engages a wide range of professional advisers including a custodian, dedicated investment consultants and specialist fund managers in order to keep your retirement savings healthy and secure. A list of the professional advisers and fund managers used by Christian Super can be found in our latest Annual Report.

The Fund and its investment managers may use derivatives (such as futures and options) to assist with the effective management of the investments. Derivatives are not used for specific ‘gearing’ strategies within the portfolio (meaning Christian Super does not borrow money at the Fund level).

Risk & returnWhile all investment carries risk, generally investments that have the potential to generate higher returns bring with them a greater level of risk. The value of such investments tends to have more short and medium term fluctuations.

Growth assets (such as shares) have been shown over long periods of time to provide higher returns than defensive assets (such as bonds and cash). This means that the more aggressive options (Ethical Index Shares, Ethical High Growth and Ethical Growth Plus) will tend to provide better returns over the long term, but are also likely to fluctuate more and experience more periods of negative returns.

Investment objectiveWhile investment markets can fluctuate over the short and medium term, Christian Super’s investments are made with a long term perspective. We aim to invest your Pension in ways that provide the best opportunity for your account to grow at a rate greater than inflation, over long periods. You can have confidence that your retirement savings are being invested well. They are actively promoting positive outcomes in communities in Australia and around the world, while providing for retirement needs.

Asset classesEach investment option invests in a range of assets, split into asset classes (broad investment types) as shown on pages 17 – 19. As an indication, the types of assets held by each asset class are listed below. These are indicative only and will change from time to time as the Fund reallocates assets to take advantage of the best investment opportunities.

Asset Class Typical InvestmentsAustralian Shares

Australian companies that are listed on the Australian Stock Exchange, such as CSL, Computershare, Transurban and Seek.

International Shares

Large companies that are listed on stock exchanges around the world, such as Microsoft, Visa, Amazon.com and Nestle.

Alternative Assets

A wide range of assets not included elsewhere in the portfolio, such as Private Equity, Private Debt and Insurance-Linked Securities.

Property A wide range of commercial property assets including but not limited to office, retail and industrial assets.

Infrastructure Real assets in Australia and around the world, including ports, airports, toll roads, energy transmission infrastructure, hospitals and schools.

Impact Assets

Generally uncorrelated with traditional asset classes, and generates appropriate risk adjusted returns. These investments target a risk-adjusted return as well as a positive social or environmental impact, such as investments in areas of Microfinance, Renewable Energy and Family Support Services.

Fixed Income

Bonds, notes, and bills issued by corporations, governments and supranational organisations, throughout the world, as well as asset-backed securities.

Cash At call and term deposits, as well as other similar cash-like instruments.

Investment information


All investments carry some risk. Different investment strategies may carry different levels of risk depending on the assets that make up the investment strategy.

Investing in assets with potentially the highest long-term returns may also carry the highest level of short-term risk.

Super funds invest in a range of asset classes – for example, cash, bonds, property and shares – that have different levels of risk. Funds also offer a variety of investment options, made up of different combinations, of these asset classes.

When considering your investment choice, it is important that you consider the following:

• the level of returns for each investment option will vary and future returns may differ from past returns

• investment returns are not guaranteed and you may lose some of the monies you have invested

• superannuation laws may change in the future, and

• the level of investment risk appropriate for each person may vary depending on a range of factors such as age, investment time frames, their risk tolerance, and where other parts of the person’s wealth are invested.

You may wish to consider seeking professional advice about these risks and the potential for them to impact you in view of your personal circumstances.

For free tailored advice login to MemberAccess on our website to use our SmartAdvice advice tool or call our team on 1300 360 907 to arrange to speak with a qualified adviser.

Investment options & performance


Investment options

Our investment options are all ethically screened to ensure that your money is invested in accordance with Christian values

17 Christian Super Pension Guide

Investment fee 0.30% paIndirect cost ratio 0.04% pa

Investment Objective Achieve a rate of return (before tax and investment fees) that is consistent with the performance of the notional benchmark* over rolling one-year periods *The notional benchmark is 50% ASX/S&P 200 Accumulation Index and 50% MSCI World ex Australia Index (AUD hedged according to the Strategic Hedge Ratio)

Asset allocations Australian Shares 50% International Shares 50%

Expected negative returns: 6 in 20 yrs

Pension Ethical Index Shares

10Suitable time horizon at least

veryhigh risk

years

100 % growth

5 year performance history not available as this option was launched on 1 July 2019.

Christian Super has seven Pension investment

options which are all ethically screened to ensure that your money is invested in accordance with Christian values and for the benefit of the community and environment.

Visit www.christiansuper.com.au/design-and-distribution-obligations/ to find out more about our Target Market Determinations for our Pension Product. This information can help you choose the investment option that’s right for you.

Asset allocations Australian Shares 42% International Shares 41% Growth Alternatives 3% Growth Impact 2% Property 6% Infrastructure 2% Defensive Impact 1% Fixed Interest 2% Enhanced Cash 1%

Pension Ethical High Growth

-3

0

3

6

9

12

15

0.53%

12.89% 11.95%

8.14%

-1.0%

net o

f fee

s &

taxe

sIn

vest

men

t ret

urn

% p

a

Year ending 30 June

2016 2017 2018 2019 2020


Investment Objective Achieve a 3.5% average annual return above inflation (CPI) over 10 year periods

5 year average annual return5 years to 30 June 2021

10Suitable time horizon at least


high risk

Returns over last 5 years

26.8930.1211.41

years

% pa

% %

946

% growth

% defensive

05

101520253035

net o

f fee

s &

taxe

sIn

vest

men

t ret

urn

% p

a

Year ending 30 June

2017 2018

0.79%

30.12%

2019 2020 2021

Return for year ending 30.06.21


-505

1015202530

12.89% 11.95%8.14%

-1.0%

26.89%

net o

f fee

s &

taxe

sIn

vest

men

t ret

urn

% p

a

Year ending 30 June

2017 2018 2019 20212020




Asset allocations Australian Shares 33% International Shares 33% Growth Alternatives 4% Growth Impact 4% Property 8% Infrastructure 4% Defensive Impact 5% Fixed Interest 5% Enhanced Cash 4%

10Suitable time horizon

at least


Pension Ethical Growth Plus

years

high risk



Investment Objective Achieve a 3% average annual return above inflation (CPI) over 7 year periods

Investment Objective Achieve a 2% average annual return above inflation (CPI) over 5 year periods

Asset allocations Australian Shares 26% International Shares 27% Growth Alternatives 4% Growth Impact 2% Property 10% Infrastructure 7% Defensive Alternatives 6% Defensive Impact 5% Fixed Interest 9% Enhanced Cash 4%


7 5Suitable time horizon Suitable time horizon

at least at least

Expected negative returns: 5 in 20 yrs Expected negative returns: 4 in 20 yrs

Pension Ethical Balanced Growth

high risk

Pension Ethical Conservative Balanced

Returns over last 5 years Returns over last 5 years

0

5

10

15

20

9.77% 9.11%

net o

f fee

s &

taxe

sIn

vest

men

t ret

urn

% p

a

Year ending 30 June

2017 2018

7.04%

0.09%

19.06%

2019 2020 20210

3

6

9

12

15

7.61% 6.85%

net o

f fee

s &

taxe

sIn

vest

men

t ret

urn

% p

a

Year ending 30 June

2017 2018

6.24%

0.17%

14.23%

2019 2020 2021

medium to high risk

years years

5 year performance history not available as this option was launched on 1 July 2019.

19.0622.608.84 6.93

14.23% pa

% pa

% % %

8317

7228

5446

% growth

% growth

% growth

% defensive

% defensive

% defensive

-5

0

5

10

15

20

25

2.65% 8.73% 7.66%

net o

f fee

s &

taxe

sIn

vest

men

t ret

urn

% p

a

Year ending 30 June

2017 2018

6.56%-0.5%

22.6%

2019 2020 2021








Investment Objective Achieve consistent annual returns (before tax and investment fees) comparable to bank rates

3 1Suitable time horizon Suitable time horizon

at least at least

Expected negative returns: 3 in 20 yrs Expected negative returns: Highly improbable*

mediumrisk

very low risk

years year

0

2

4

6

8

10

6.23%5.36%

net o

f fee

s &

taxe

sIn

vest

men

t ret

urn

% p

a

Year ending 30 June

2017 2018

5.66%

0.23%

8.82%

2019 2020 20210

1

2

3

4

2.10% 1.92%

net o

f fee

s &

taxe

sIn

vest

men

t ret

urn

% p

a

Year ending 30 June

2017 2018

2.02%

1.24%

0.41%

2019 2020 2021




Asset allocations Cash 100%

Pension Ethical Stable

Pension Ethical Cash

Returns over last 5 years Returns over last 5 years

8.82 0.415.22 1.54%

pa% pa

% %

3367

100% growth

% defensive

% defensive

We encourage you to prayerfully consider how you can live out a purposeful retirement





* This option has historically generated positive returns with very low levels of volatility. However, in a lower interest rate environment, there may be periods of low or negative returns.


What will it look like for you? Investing in your retirement requires forward thinking and prayerful planning. Most people will acknowledge the financial aspect of retirement planning; however there are many other ways to invest in your retirement!

Retirement tipsHere are some tips on how you could invest in a purposeful retirement:

• Look for ways of being involved in your local church

• Spend time with your spouse reading the Bible over a meal each day

• Use your passion and skills to teach someone

• Teach English as a second language

• Like to travel? Consider going on mission!

• Turn your walk or swim into a regular prayer time

• Share a cup of tea with someone who would love some company

• Build, learn or make something with your grandchildren

• Teach Scripture at your local primary school

• Write a blog and share with others what you have learned and are learning in your faith journey

• Be involved in your grandchild’s school. Schools need volunteers and grandchildren love their grandparents!

• Mentor someone and invest in the generation coming through after you

Retirement is more than the sum total of your finances and superannuation. Your life experience, profession, time as a parent, grandparent or carer, unique gifts, interests and personality are all valuable resources capable of producing a rich harvest, as well as being an investment with eternal outcomes.

We encourage you to prayerfully consider how you can live a purposeful retirement.

Preparing financially• Consolidate your super funds and save the time, money

and effort of managing more than one fund

• Pay off debt – consumer debt and then mortgage debt

• Save 3 to 6 months’ living expenses as a buffer

• Understand how much you will need to live on in retirement

• Implement all the available strategies to save for retirement. Here are just a few:

• Government co-contribution

• Eligible spouse contribution

• Salary sacrifice

• Transition to retirement

• Deductible contributions to offset capital gains tax

• Work test exemption

What do I do next?Pray and start planning for it now

Consider speaking with a financial adviser to discuss what options are available to you for creating a sustainable income stream and maximising your superannuation savings.

Call our Member Care Team to discuss:

• Investment choice

• Contribution strategies

• Insurance

Purposeful retirement


my only aim is to finish the race and complete the task the Lord Jesus has given me - the task of testifying to the good news of God’s grace Acts 20:24


Fees and costsThis section provides a summary of the main fees and costs for your pension fund. This information can be used to compare costs between different superannuation products.

Type of fee or cost

Amount How and when paid

Investment fee 0.20 - 0.39% Deducted from gross investment returns, and do not appear as a transaction on your statement.

Administration fee

$65 p.a. ($1.25 per week) plus 0.30% p.a. of your account balance (capped at $1,500 p.a.)†

Deducted from your account balance each month.

Buy-sell spread Nil N/ASwitching fee Nil N/AAdvice fee Free financial

advice

Full financial advice

Free over-the-phone general advice from our Member Care Team.Full financial advice as per Statement of Advice.

Other fees and costs

Refer to the Additional Explanation section of the Fees & Costs Factsheet.

Indirect cost ratio

0.00 – 0.52%* Deducted from gross investment returns, and do not appear as a transaction on your statement.

† This cap is valid for 2021/22 financial year but indexed each year. * This includes an estimate of performance fees, which may vary from year to year. If your account balance is less than $6,000 at the end of the financial year, the total combined amount of administration fees, investment fees and indirect costs charged to you is capped at 3% of the account balance. Any amount charged in excess of that cap will be refunded after the end of the financial year.

You should be aware that fees and costs can be paid either directly from your account or deducted from your investment returns. If we change our fees, we will notify you no later than 30 days before the change occurs. Fees may vary at any time at Christian Super’s discretion. You may wish to use the calculators provided by ASIC on its MoneySmart website to compare the impact of different fee structures.

EXAMPLE: Pension Ethical Conservative BalancedInvestment fee 0.37% For every $50,000 you

have in this investment option you will be charged $185 each year.

Plus Administration fee

$1.25 per week plus 0.30% p.a. of your account balance

And, $65 in administration fees regardless of your balance plus $150.

Plus Indirect cost ratio

0.43% And, further indirect costs of $215 each year will be deducted from your investment.

EQUALS Cost of product

If your balance was $50,000 then for that year you would be charged $615.

Performance fees The Fund has agreed certain targets with some investment managers that exceed the stated objectives for the Fund’s investment options. A performance based fee (generally not exceeding 0.3% pa) would apply if fund managers meet or exceed their targets. Such fees are deducted from gross investment returns and are included in the indirect cost ratio.

Fees paid to a financial adviser If you have a financial adviser, advice fees can be deducted from your account if you provide a signed authority. Contact our Member Care Team for details. You may also have to pay other fees to your adviser. See the Statement of Advice given to you by your adviser.

Definitions

Administration fee

Fees and costs relating to the administration or operation of Christian Super.

Investment fee Fees and costs relating to the investment of your assets, including performance fees.

Advice fee Fee relating to the provision of financial advice to a member by Christian Super, or by another person under an arrangement with Christian Super.

Switching fee Fee to recover costs of switching between investment options.

Buy-sell spread

Costs incurred relating to the sale and purchase of assets.

Indirect cost ratio

The ratio of the total indirect costs for the investment option, to the total average net assets of Christian Super attributed to the investment option.

These definitions can be found online (www.comlaw.gov.au/Series/C2004A04633) in section 29V of the SIS Act 1993.

http://www.comlaw.gov.au/Series/C2004A04633

http://www.comlaw.gov.au/Series/C2004A04633


Taxation information provided in this PDS is correct as at the issue date but is subject to change and does not take into account your personal circumstances. As changes to taxation laws can and do occur, we recommend you seek professional taxation advice with regard to your personal circumstances.

Tax on earningsGenerally speaking you do not pay tax on the investment earnings of your Pension account. However, from 1 July 2017 the amount you can hold in a Pension product will be capped at $1.6 million and any assets in excess of this cap will be transferred back to an appropriate accumulation product. All investment earnings are taxed at 15% for Transition to Retirement Pensions.

Tax on withdrawalGenerally, your super benefit includes tax-free and taxable components when you receive Pension payments or make a lump sum withdrawal. You do not pay tax on the tax-free component of your super when you withdraw it, regardless of your age or the way you withdraw it. Please note that the tax-free component cannot be withdrawn on its own.

Tax free component Taxable componentPension paymentsAged 60 and over Tax-free Tax-freePreservation age to 59 Tax-free Taxed at your income tax rates less 15% tax offsetPreservation age and under and totally and permanently disabled

Tax-free Taxed at your income tax rates less 15% tax offset

Preservation age and under Tax-free Taxed at your income tax ratesLump sum withdrawalsAged 60 and over Tax-free Tax-free

Preservation age to 59 Tax-freeNo tax up to the low rate threshold for payments to the member, then taxed at 15% plus Medicare Levy thereafter

Preservation age and under Tax-free Taxed at 20% plus Medicare LevyTerminally ill Tax-free Tax-freePension benefits upon death if paid as a Pension to your beneficiaryYou are aged 60 or over when you die Tax-free Tax-free

You are aged 59 or under when you die Tax-freeIf your beneficiary is aged 60 or over – tax-free

If your beneficiary is aged 59 or under – taxed at their marginal income tax rates less 15% tax offset

Pension benefits upon death if paid as a lump sum to your beneficiaryYour beneficiary is a dependant for tax purposes

Tax-free Tax-free

Your beneficiary is not a dependant for tax purposes

Tax-freeTaxed element is taxed at 15% plus Medicare Levy

Untaxed element is taxed at 30% plus Medicare Levy

Death benefit income streamsThe way tax applies to a death benefit paid as an income stream depends on several factors, such as:

• The age of the dependent intended recipient

• The age of the member when they passed away

• Whether the recipient is a dependant, including a child who is permanently disabled.

Tax on Pensions

Pension Application Form

Mr/Mrs/Ms/Rev/Other Surname

nnnn nnnnnnnnnnnnnnnnnnnnnnnnnnGiven Names

nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnDate of Birth

nnnnnnnnStreet Number/PO Box Street Name

nnnnn nnnnnnnnnnnnnnnnnnnnnnnnnSuburb/Town State Postcode

nnnnnnnnnnnnnnnnnnnnnnn nnn nnnnPhone [daytime] Mobile

nnnnnnnnnn nnnnnnnnnnEmail

nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnIf any of the above details are changes please specify your previous details:

nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn

1. Your personal details

Please complete this form in BLOCK letters and black pen

Send the form together with any transfer amounts or Request to Transfer Forms and a Proof of Age copy to: Christian Super Locked Bag 5073 Parramatta NSW 2124 or scan and email to [email protected]. We will confirm your details by letter.

To apply for a Christian Super Pension or a Christian Super Transition to Retirement Pension complete all 3 pages of this form. Please refer to Pension Guide for more information. Please also complete a Tax File Number Declaration.

Please include some certified Proof of Age (copy of your driver licence or passport) with your application. For more information on Certified ID, please refer to the back of the Transfer Funds Form on page 28.

If you have requested a full transfer and closure of your accumulation account, this requires notification of your employment termination and may be delayed until all contributions or pending rollovers have been received.

2. Your investment amount

Your Christian Super accumulation Member number: nnnnnnnnnnFrom this account please transfer to my Christian Super Pension account:

The maximum amount while keeping the account open with a minimum balance ($5,000)

The full balance, closing the accumulation account (conditions apply see below*)

A specific nominated amount of: $ nn,nnn,nnnFor additional amounts being added to the start balance of your Christian Super Pension account:

I have completed a Request to Transfer Form to transfer my Super from another fund to Christian Super.

Combine with my existing Christian Pension account number. nnnnnnnnnThe minimum initial investment for a Christian Super Pension is $20,000.

CZ 984.0 06/19 ISS6Please turn over to complete and sign this form


3. Your Pension account type

4. Your bank details

6. Your Pension payment amount

7. How often would you like your Pension to be paid?

Preservation age: refer to page 11 of the Pension Guide

If you are a member of a Credit Union, please confirm which account number you should provide for direct credit payments.

Please choose from the following options which describe your employment status and age.

Aged 65 and over.

Aged 60 to 64 and have ceased work with an employer after turning 60 (provide date below).

Preservation age* and over and applying for a Transition to Retirement (can still be working).

Preservation age* and over and permanently retired from the workforce (provide date below).

The date you ceased work (if applicable): nnnnnnnn

Please provide details of your Bank or Credit Union to which your Pension payments are to be made.

Name of Financial Institution

nnnnnnnnnnnnnnnnnnnnnnBranch Name

nnnnnnnnnnnnnnnnnnnnnnnnnnnnName of Account

nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn

5. Your investment choice

Ethical Index Shares nnn%

Ethical High Growth nnn%

Ethical Growth Plus nnn%

Ethical Balanced Growth nnn%

Ethical Conservative Balanced nnn%

Ethical Stable nnn%

Ethical Cash nnn%

Total nnn%

Please indicate which investment options(s) you would like your money invested in and paid from.

1 0 0

Current Balance: I would like to commence my Pension below

Investment choice

Payments & Transactions: I would like my Pension payments and transactions deducted as below:

If you do not make a selection, you will be paid the minimum amount allowed under government legislation.

You can nominate the amount of Pension you would like to receive (before tax), subject to the legislated minimum limit. Please select one of the following for the total amount (before tax) you want to receive*:

The minimum amount allowed under government legislation

The maximum amount allowed under government legislation (Transition to Retirement Pension only)

A specified amount $nnn,nnn This amount must be within the minimum and maximum (if applicable) limits.

We will adjust your specified amount to the minimum or maximum if it does not fall within the limits.

It is important to ensure that each column (current balance and future transactions) equals a total of 100% and all proportions are rounded to the nearest whole percent, otherwise your request may not be able to be processed.

I elect to receive my income payments: Twice a month Monthly Quarterly Half-yearly Annually

For half-yearly & yearly payments, please elect starting month (e.g. July) nnnnnnnn

Page 2 Please turn overChristian Super Pty Limited ABN 065 040 619 AFSL No. 244117 as trustee of Christian Super ABN 66 628 776 348

BSB Number

Account Number

nnn%

nnn%

nnn%

nnn%

nnn%

nnn%

nnn%

nnn%1 0 0

Return this completed form to Christian Super

Locked Bag 5073 Parramatta NSW 2124

[email protected]

For more info contact

1300 360 907

www.christiansuper.com.au

9. Member Declaration

I declare that: 1. The details on this form are true and correct.2. I have received and read Christian Super’s Pension Guide.3. I understand that my Pension will be bound by the provisions of the Fund’s Trust Deed.4. I acknowledge that I have access to Christian Super’s Privacy Policy and understand that my personal information will be handled to

provide and manage my Pension.5. I declare that I am a permanent resident or citizen of Australia or New Zealand. I am not a Temporary Resident Visa holder and am

eligible to apply for this superannuation product.

Your SignatureDate

nnnnnnnn

8. Your Preferred Beneficiaries

You can choose how you would like your Pension to be paid when you die. Please select one of the following: Pay to my Estate Reversionary Pension Any remaining account balance should be paid as a reversionary Pension to my dependant.*

Mr/Mrs/Ms/Rev/Other Surname

nnnn nnnnnnnnnnnnnnnnnnnnnnnnnGiven Names Date of Birth [Proof required*]

nnnnnnnnnnnnnnnnnnnnn nnnnnnnn For reversionary Pension: Please provide a certified copy of your dependant’s Drivers Licence, Passport; OR Birth Certificate.

A nomination for a reversionary beneficiary can only be made at the start of the Pension & cannot be altered after commencement. OR

Lump Sum Payment (Complete in the presence of witnesses to make a Binding Nomination below). The Trustee should pay my account balance as a lump sum to my nominated dependants* at its discretion, or to my legal personal representative.

1. Name of Dependant

nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnRelationship

nnnnnnnnnnnnnnnnnnnnn % of benefit nnn2. Name of Dependant


nnnnnnnnnnnnnnnnnnnnn % of benefit nnn3. Name of Dependant


nnnnnnnnnnnnnnnnnnnnn % of benefit nnnPlease attach a note for additional Dependants if needed. Check Total 1 0 0 %

Dependant: • The spouse or de facto (in practice) spouse. • Any child of the super member incl. step-child, adopted child or child of the member born after the member’s death. • Any person deemed by the Trustee to be partially or entirely financially dependent on the member. • Any person with an interdependency relationship with the member.

Page 3 Christian Super Pty Limited ABN 065 040 619 AFSL No. 244117 as trustee of Christian Super ABN 66 628 776 348

For a Binding Nomination onlyName of First Witness Signature of First Witness

Name of Second Witness Signature of Second Witness

Date

nnnnnnnnDate

nnnnnnnn



COMPLETING THIS FORM� Read the important pages� Refer to instructions where indicated with a >� This form is only for whole (not part) balance transfers

Rollover initiation request to transfer wholebalance of superannuation benefits between fundsunder the Superannuation Industry (Supervision) Act 1993

AFTER COMPLETING THIS FORM� Sign the authorisation� Send form to either your FROM (transferring) or TO (receiving) fund

Personal detailsTitle Mr Mrs Miss Ms Other

*Family name

*Given names

Other/previous names

*Date of birth

Tax file number

Under the Superannuation Industry (Supervision) Act 1993, you are not obliged to disclose your tax file number, but there may be tax consquences.

See ‘What happens if I do not quote my tax file number?’

*Sex Male Female

Contact phone number

Fund detailsFROM (Transferring fund)* Fund name

Fund phone number

*Membership oraccount numberAustralian BusinessNumber (ABN)Unique SuperannuationIdentifier

Day Month Year

>

! If you have multiple account numbers with this fund,you must complete a separate form for each account youwish to transfer.

Authorisation By signing this request form I am making the following statements:� I declare I have fully read this form and the information completed is true and correct.� I am aware I may ask my superannuation provider for information about any fees or charges that may apply, or any other infomation about the effect this transfer may have on my benefits, and have obtained or do not require such information.� I consent to my tax file number being disclosed for the purposes of consol-idating my account.� I discharge the superannuation provider of my FROM fund of all further liability in respect of the benefits paid and transferred to my TO fund.

*Denotes mandatory field. If you do not complete all of the mandatory fields, there may be a delay in processing your request.

Sensitive (when completed)Nat 71223-07.2013

*Name (Print BLOCK LETTERS)

*Signature

*Date

Day Month Year

TO (Receiving fund)*Fund name

Fund phone number

*Membership oraccount numberAustralian Business Number (ABN)Unique Superannuation identifier

! You must check with your TO fund to ensure they canaccept this transfer

Residential address*Address

*Suburb

*State/territory *Postcode

Previous address

Address

Suburb

State/territory Postcode

If you know that the address held by your FROM fund is different to your current residential address, give details below.

>

CHRISTIAN SUPER

1300 360 907

66628 776 348

66 628 776 348 908CHR0001AU

CH 867.4 07/14 ISS3

3 What is your legal name or registered business name (or your individual name if not in business)?

5 Who is your contact person?

Business phone number

Branch number (if applicable)

4 What is your business address?

Suburb or town


There are penalties for deliberately making a false or misleading statement.

Signature of payerDECLARATION by payer: I declare that the information I have given is true and correct.

Month YearDayDate For WA, SA, NT, VIC or TAS

Australian Taxation Office PO Box 795 ALBURY NSW 2640

Return the completed original ATO copy to:For NSW, QLD or ACT Australian Taxation Office PO Box 9004 PENRITH NSW 2740

6 If you no longer make payments to this payee, print X in this box

Yes No

2 If you don’t have an ABN or withholding payer number, have you applied for one?

Section B: To be completed by the PAYER (if you are not lodging online)1 What is your Australian business number (ABN) or

your withholding payer number?

TAXPAYER‑SENSITIVE (when completed)

IMPORTANTSee reverse side of Payer’s copy for:■ payer obligations■ lodging online.

ORIGINAL – ATO copy

ato.gov.au

This declaration is NOT an application for a tax file number.■Use a black or blue pen and print clearly in BLOCK LETTERS.■Print X in the appropriate boxes.■Read all the instructions before you complete this declaration.

Tax file number declaration

Once section A is completed and signed, give it to your payer to complete section B.

NAT 3092‑07.2013 [JS 27654]

30920713

Section A: To be completed by the PAYEE6 On what basis are you paid? (Select only one.)

Full‑time employment

Part‑time employment

Casual employment

Superannuation or annuity

income stream

Labour hire

7 Are you an Australian resident for tax purposes?(Visit ato.gov.au/residency to check)

Yes NoYou must answer no at question 8.

9 Do you want to claim the seniors and pensioners tax offset by reducing the amount withheld from payments made to you?

NoYesComplete a Withholding declaration (NAT 3093), but only if you are claiming the tax‑free threshold from this payer. If you have more than one payer, see page 3 of the instructions.

8 Do you want to claim the tax‑free threshold from this payer?

Answer no at questions 9 and 10 unless you are a foreign resident claiming a seniors and pensioners, zone or overseas forces tax offset.

NoYes

Only claim the tax‑free threshold from one payer at a time, unless your total income from all sources for the financial year will be less than the tax‑free threshold.

There are penalties for deliberately making a false or misleading statement.

You MUST SIGN here

Signature

Month YearDayDate

DECLARATION by payee: I declare that the information I have given is true and correct.

10 Do you want to claim a zone, overseas forces, dependent spouse or dependent (invalid and carer) tax offset by reducing the amount withheld from payments made to you?

NoComplete a Withholding declaration (NAT 3093).Yes

11 (a) Do you have an accumulated Higher Education Loan Program (HELP) debt?

(b) Do you have an accumulated Financial Supplement debt?

Your payer will withhold additional amounts to cover any compulsory repayments that may be raised on your notice of assessment.Yes No

NoYour payer will withhold additional amounts to cover any compulsory repayments that may be raised on your notice of assessment.Yes

OR I have made a separate application/enquiry to the ATO for a new or existing TFN. For more

information, see question 1 on page 2 of the instructions.

OR I am claiming an exemption because I am under 18 years of age and do not earn enough to pay tax.

OR I am claiming an exemption because I am in receipt of a pension, benefit or allowance.

1 What is your tax file number (TFN)?

2 What is your name? Title: Mr Mrs Miss Ms

Surname or family name

First given name

Other given names

3 If you have changed your name since you last dealt with us, show your previous family name

4 What is your date of birth?

Month YearDay

5 What is your home address in Australia?

Suburb or town


X

3 4 8S U I T E 2 / 1 A H O M E B U S H

6 6 6 2 8 7 7 6B A Y D R I V E

R H O D E S

N S W 2 1 3 8

C H R I S T I A N S U P E R P / L T H E A D M I N I S T R A T O RA S T R U S T E E F O R 1 3 0 0 3 6 0 9 0 7C H R I S T I A N S U P E R

CH 1074.1 07/14 ISS1

This page is intentionally blank


Your Tax File NumberCollection of Tax File Numbers (TFN) is authorised by the Privacy Act 1988, the Superannuation Industry (Supervision) Act 1993, the Tax Administration Act 1953 and the Income Tax Assessment Act 1936. The details below may change in the future as a result of legislative changes.

Your TFN may be used by the trustee only for lawful purposes including:

• Taxing benefit payments at concessional rates.

• Finding and amalgamating your superannuation benefits when insufficient information is available.

• Passing your TFN to the Australian Taxation Office for tax purposes, contributions, if you receive a benefit or have unclaimed superannuation money after reaching the agreed Pension age.

• Providing your TFN to a superannuation fund or retirement savings account receiving your rollover. The Trustee will not pass on your TFN if you instruct the Trustee in writing.

• Passing your TFN to the Australian Taxation Office in connection with the Government’s co-contribution scheme.

PrivacyTo provide you with superannuation and insurance benefits and to properly manage the Fund, Christian Super holds certain personal information about you. This information includes your name, gender, contact details, date of birth, tax file number, and other relevant information. This information is generally collected either from you or your employer.

Your personal information may be disclosed to Christian Super’s administrator, professional advisers, insurers, government bodies, your employer and other parties as required, including the Trustee of any Fund to which you transfer.

Generally you are able to access personal information held by Christian Super about you, and may rectify any incorrect details. There are some circumstances where you may be denied access to your information – Christian Super’s Privacy Officer will notify you if any of these circumstances apply.

Christian Super abides by the Australian Privacy Principles under the Privacy Act 1988 (Cth) and has adopted a Privacy Policy which sets out in further detail the way in which we handle your personal information. You can obtain a copy of Christian Super’s Privacy Policy from our Member Care Team, or our website.

Christian Super is also subject to the Anti-Money Laundering and Counter-Terrorism Financing Act, which requires it to have in place procedures to identify, manage and mitigate money laundering and terrorism financing risks. At times, to comply with this legislation the Trustee may need to request information about you and/or about actions that you take, or

may wish to take, in respect of your superannuation account. If required by legislation, information the Trustee holds will be disclosed to the relevant regulator(s).

Christian Super’s insurers have their own privacy statements, and members are able to access personal information held by Christian Super’s insurers. Christian Super’s insurers may in turn disclose your personal information in the process of assessing personal information or claims. The Privacy Statements of the Fund’s insurers may be obtained through the Christian Super National Office.

Cooling-off period You may notify the Trustee within 14 days of receiving confirmation of your membership that you wish to cancel. Notice of cancellation must be in writing, with details of the superannuation vehicle to which payment is to be made. The amount of the payment will be adjusted for investment earnings (gains or losses) while the money has been with Christian Super.

Family lawYour account with Christian Super can be included as part of a property settlement under the Family Law Act. Recent changes made by the Government mean that this can apply in the event of the breakdown of a relationship with a de facto spouse as well as a spouse by marriage. As a result, your account may be split with a proportion of it payable to your former spouse. Related to this, your former spouse may be entitled to request information from the Trustee about your account with Christian Super.

How to make a complaintIf you wish to make a complaint about the operations or management of the Fund or about a decision of the Trustee, contact the Complaints Manager at 1300 360 907, [email protected] or PO Box 3035 Rhodes NSW 2138 Australia.

The Trustee will contact you within one business day to acknowledge receipt of the complaint and request any additional information. The Trustee will seek to resolve the complaint within 5 business days of receipt of the complaint without formal response, and 45 calendar days with formal response. The Trustee will seek to resolve the compliant within 90 calendar days for death benefit distributions. If the matter is not resolved to your satisfaction by the Trustee, you may contact the Australian Financial Complaints Authority (AFCA). AFCA is a free, fair and independent body established to deal with complaints from consumers in the financial system. Full details of Christian Super’s complaint process can be found in the Fund’s Complaints Handling Policy which may be requested from the Complaints Manager through the contact details above.

Other information


199.

2 07

/21 I

SS14

If you have any questions or would like more information please contact Christian Super

1300 360 907 Our Member Care Team are here to help. Call Monday to Friday 9am to 6pm AEDT.

[email protected]

christiansuper.com.au Visit us online to get the latest news

and information, download forms and factsheets, and much more.

MemberAccess Access your personal records at

christiansuper.com.au/members (contact our Member Care Team if you need help to login).

Mobile App Access your personal records

anytime, anywhere with our free member mobile app.



http://www.christiansuper.com.au/members

october 2021 pension guide - christiansuper.com.au

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