Deferred Retirement Benefit Guide - QSuper
Ph 1300 360 750 This information is provided by the fund administrator, QSuper Limited (ABN 50 (+617 3239 1004 if overseas) will be preserved and both these benefits will be shown product disclosure statement for the Accumulation account, which is available to download from our ... Read Full Source
OneAnswer Personal Super And Pension - Financial Planning ...
To the extent any inconsistency arises between the PDS and the governing rules of the Fund, OneCare Product Disclosure Statement for further information on the cover available and ING Life is obliged to pay the benefits that are described in this PDS. ... Access Content
Russell's Story: When He Could No Longer Work As A Bricklayer ...
The trustee of the Colonial Super Retirement Fund ABN 40 328 908 469 SFN 2933/419/40 (the Fund). CMLA is responsible for the administration of the Fund and provides insurance benefits to the Fund as insurer. A Product Disclosure Statement ... View Video
Michael's Story: Waking From A Coma, Michael And His Family ...
The trustee of the Colonial Super Retirement Fund ABN 40 328 908 469 SFN 2933/419/40 (the Fund). CMLA is responsible for the administration of the Fund and provides insurance benefits to the Fund as insurer. A Product Disclosure Statement ... View Video
Helping You Own Your retirement - Insurance Australia ...
Product Disclosure Statement – Part A superannuation fund or retirement savings account (RSA) that are ‘preserved’ or ‘restricted non-preserved’ cannot be refunded fund that is able to accept benefits transferred from another ...Moving to a Pension? You need a Product Disclosure Statement
Do they need a Product Disclosure Statement? and
I have noticed the LawCentral www.lawcentral.com.au "1 July 2007" compliant Product Disclosure Statement works for both the accumulation phase and pension. Is a shorter version of the Product Disclosure Statement available, which deals just with pension?
ANSWER: The issuer of a financial product (including a "superannuation interest") must provide new members with a Product Disclosure Statement (PDS).
The purpose of a PDS is to assist the member to decide whether to use the product. In this case, the product is the pension. For a Self Managed Super Fund, the issuer is the Trustee of the SMSF. The Trustee of the SMSF must provide a member with a PDS at or before the time the member decides to use the product.
What if you (as an accountant, lawyer or financial planner) fail to ensure that a PDS is in place? Well, you risk a civil damages claim and perhaps even your practicing certificate. Many professional indemnity insurances that I have seen, particularly for accountants, won't pay out if an accountant acted for client that didn't have a PDS.
Moving from the accumulation phase to pension phase within a Self Managed Super Fund is considered to be issuing a new superannuation interest. The Trustees, therefore, must provide to the member changing to a pension phase a PDS. The PDS sets out the significant benefits, risks, features and costs relating to the superannuation interest.
The advantage of having a PDS is that it sets out, clearly and simply, what the member's benefits are, what restrictions there are on accessing those benefits and what happens when the member dies. This information is more easily accessed through a PDS than through reading the Trust Deed in conjunction with the superannuation legislation.
Our "Product Disclosure Statement for Pensions" covers both the Account-Based Pensions (ABS) and Transition to Retirement Income Streams (TRIS).
You can buy the definitive guide to Product Disclosure Statements for Self Managed Super Funds for $22 from LawCentral www.lawcentral.com.au. If you have paid $99 to upgrade to Platinum Membership, then you and your clients can read that paper for free here.
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PL00154-1138 Pooled Super Trust PDS - Investments ...
Product Disclosure Statement Website www.perpetual.com.au/pooledsupertrust www.moneysmart.gov.au/superannuation-and-retirement. 3. BENEFITS OF INVESTING WITH Fund members should still ensure they are comfortable with ... Access Doc
Product Disclosure Statement - Welcome To Portfoliofocus
Retirement income streams paid from your Fund allow benefits as described in this PDS. a fund using the Service as to whether it is adequate or complies This application form is based on the Product Disclosure Statement (PDS) ... Retrieve Doc
Military Leave (Vacation) Program - United States Military ...
Pay / Benefits; Build a Career; Share; Free US Military Newsletter! Sign Up. Discuss in my forum. Military Leaves, Passes, and Liberty. In this case, the local area, as defined at the old and new permanent duty station (PDS), applies. The old PDS is for beginning leave; the new PDS is for ending leave. ... Read Article
Product Disclosure Statement Select - Secure Redirection
Product Disclosure Statement Dated: 1 June 2011 If you provide us with a request to transfer your benefits out of the Fund, investments in a low tax environment and take your retirement benefits tax-free once you turn age 60. ... Read Full Source
Rollover Fund Eligible SuperTrace - Welcome To SuperTrace
Rollover Fund Member Product Disclosure Statement (PDS) Date of Preparation: XXXX retirement benefits as an annuity or superannuation pension which meets Government requirements. Any undeducted contributions, post-June 1994 ... Doc Viewer
Product Disclosure Statement Select - Secure Redirection
Achieving your financial goals in retirement. If you provide us with a request to transfer your benefits out of the Fund, super law requires that we transfer your benefits product disclosure statement for the relevant managed fund. ... View This Document
Your Product - Russell Investments A Global Asset Manager
About this product Disclosure Statement (pDS) this PDs provides a summary of and enjoyable retirement.Product Disclosure Statement for every Super Fund - surely j
QUESTION: Last week you stated that it is now decided law that all Self Managed Super Funds must have a Product Disclosure Statement. I disagree. However, the auditor of my clients' super fund agrees with you. We are all reading the same section 1012A of the Corporations Act 2001.
What is your legal view of this matter?
ANSWER: I am surprised that there are still people out there that run the risk of not having an up-to-date Product Disclosure Statement. There are civil and criminal sanctions if you are wrong for both the trustees and their financial advisers, including the accountant, auditor, financial adviser and lawyer.
You can purchase the paper that Brett Davies Lawyers wrote at LawCentral www.lawcentral.com.au.
However, for those members who paid their $99 to upgrade to Platinum Membership they can read the definitive paper on this topic here at no charge.
But this doesn’t need to be the case. or disablement benefits provided by the Fund, relyingon input from others, including ... Get Content Here
The Employee Retirement Plan Product Disclosure Statement (PDS)
Product Disclosure Statement (PDS) Preparation date: 20 June 2012 Issued by: Benefits of investing in The Employee Retirement Plan 2 4. Risks of super 3 5. investment or from fund assets as a whole. ... Doc Retrieval
NEW SOUTH WALES ELECTRICAL SUPERANNUATION SCHEME (NESS) PENSION
Be made by a superannuation fund, including: • Permanent retirement • Unrestricted non-preserved amounts • Compassionate grounds • Family Law splitting order Death Benefits Pension Product Disclosure Statement 2011 11. Who is managing my investments? ... Read More
AMIST Pension
Retirement Pension (See Page 5) in respect of the benefits paid and transferred to my TO fund. I request and consent to the transfer of superannuation as described above and authorise page 21 of this product disclosure statement for more details. ... Return Doc
Bendigo SmartStart Super - Sandhurst Trustees - Mindful ...
Product Disclosure Statement dated 1 October 2011 Application Form designed to provide you with an income in retirement. • Death and disability benefits – your FROM fund may insure you against death, ... View Document
Army Regulations - United States Military Information
Pay / Benefits; Build a Career; Filed In: Publications & Regulations; Montgomery GI Bill, Army College Fund, and Loan Repayment Program. Recruiting - MOS (Job) ARMY RESERVE RETIREMENT POINT CREDIT SYSTEM. Retention after Qualification for Retirement, ... Read Article
Income Trust - Wikipedia, The Free Encyclopedia
The names income trust and income fund are sometimes used interchangeably, even though most trusts have a narrower scope than funds. "We cannot understand why any Canadians would support double taxation of retirement benefits - it affects all of us eventually". ... Read Article
The Employees Productivity Award Superannuation Trust
4.2 Leaving Service and Retirement Benefits Subject to the preservation rules, upon cessation of employment from your Employer for any reason (other than death or total and permanent product disclosure statement 43 FUND DIRECTORY Service Providers ... Fetch Full Source
Pension Guide - Welcome To First Super
Members Product Disclosure Statement is available on request. putting members benefits than for retirement and resignation benefits. Unclaimed benefits If the Fund loses contact with you and cannot pay your pension, ... Retrieve Full Source
MEAT INDUSTRY EMPLOYEES SUPERANNUATION FUND
Product Disclosure Statement . Pension section members. 1 July 2007. unless you have a transition to retirement pension. As a MIESF member you’ll be kept well informed about the Fund and your benefits. regular newsletters ... Access Document
Ration Stamp - Wikipedia, The Free Encyclopedia
Ration cards have been an important part of the Public Distribution System (PDS) in India. On the basis of their economic condition, people can buy goods like food grains, sugar and kerosene with the help of their ration cards. ... Read Article
Permanent Change Of Station (PCS) Entitlements
Pay / Benefits; Build a Career; Share; Free US Military Newsletter! Sign Up. Discuss in my forum. Military Travel (PCS) Move Entitlements. By Rod Powers, About.com Guide. See More About: (PDS), or the rate for the delay point if the member stops overnight. ... Read Article
Issued 1 July 2011 CONCEPT ONE PENSION - [AcurityOnline]
PRODUCT DISCLOSURE STATEMENT Take control of your income and investments in retirement depend on how they transferred amounts were classified in the previous fund. Preserved benefits can only be paid when you satisfy a condition of release. ... Get Content Here
Challenger Guaranteed Personal Superannuation
This Product Disclosure Statement (PDS) is a summary of significant information and contains a number of • You should advise your employer or superannuation fund that you wish to roll over your superannuation benefits to the Challenger Retirement Fund. ... Document Viewer
CommInsure Protection - Life Insurance Australia: Compare ...
Product Disclosure Statement (PDS) Issue date: 20 November 2011 Colonial Super Retirement Fund ABN 40 328 908 469 (the Fund). Statutory Fund and insurance benefits will be paid from that fund. 41. Section 4 Important ... Return Doc
Tony's Story: A Painter With A Debilitating Shoulder Injury ...
The trustee of the Colonial Super Retirement Fund ABN 40 328 908 469 SFN 2933/419/40 (the Fund). CMLA is responsible for the administration of the Fund and provides insurance benefits to the Fund as insurer. A Product Disclosure Statement ... View Video
Total Care Plan Super - Insurance Australia - CommInsure
Product Disclosure Statement (PDS) Preparation date: 26 September 2005 Total Care Plan the Trustee of the Colonial Super Retirement Fund ABN 40 328 908 469 SFN 2933/419/40 ■ it may be more difficult to identify your benefits in the Fund and ... Return Doc
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