FOLD

FOLD

FOLD

FOLD

Superannuation

We’re here to help Remember, whatever stage of life you’re at, we’re here to help you get the most out of your super.

Go to firststatesuper.com.au Call us on 1300 650 873 Drop into one of our local branches

Disclaimer: This is general information only and does not take into account your specific objectives, financial situation or needs. Seek professional financial advice, consider your own circumstances and read our product disclosure statement before making a decision about First State Super. Call us or visit our website for a copy. Issued by FSS Trustee Corporation ABN 11 118 202 672, AFSL 293340, the trustee of the First State Superannuation Scheme ABN 53 226 460 365. Financial planning services are provided by our financial planning business State Super Financial Services Australia Limited, trading as StatePlus, ABN 86 003 742 756, AFSL No. 238430. StatePlus is wholly owned by First State Super.

Your super could be one of your biggest assets by the time you retire. That’s why we believe it’s so important for you to choose the right super fund.

The right super fund will:

Put you first, not shareholders

Demonstrate consistent investment performance

Use profits to improve member services and benefits

Charge low fees

Offer options and choices to grow your super more quickly

Give you easy access to the right support and advice, either over the phone or face-to-face.

Feel future ready with one of Australia’s most award-winning funds

At First State Super, we offer all this and more. No matter who you are or where life takes you, we will put you first every step of the way.

We’re an award-winning fundWe don’t exist to win awards, but it feels good to be recognised by industry peers for doing what matters most to us – building a better future for all Australians.

We help over

765,0001

members feel more confident about their financial future1 July 2018

FSS0001_FSS_Brochure_Super_10_art.indd 1-3 22/11/18 6:52 pm

A super fund that’s all about you

FOLD

FOLD

FOLD

FOLD

Investments that are good for you and the community

As one of Australia’s largest super funds, we know that our investments can have a big impact on our economy, the environment and future generations.

That’s why we invest in things that are close to our members’ hearts – like hospitals, environmentally friendly developments, renewable energy, agriculture and aged care facilities.

Discover more at firststatesuper.com.au/projects

We make it easy to choose the right investments for you

There are lots of ways you can choose to invest for the years ahead. If you’re more comfortable leaving your investments to the experts, our pre-mixed options can give you a mix of growth and defensive assets that suit you.

Whereas if you want to be more hands-on, you can tailor your investments to take advantage of one or more single asset class options including equities, property and fixed interest investments from Australia and around the world.

Putting your future first, every step of the wayHere are a few of the reasons why we could be the super fund for you:

Our members come first

Unlike some other super funds, we’re profit-for-member.

So instead of going to shareholders, our profits go back into member benefits and other services to help  you get the most out of your super.

Returns to boost your balance

Our Growth and Balanced Growth investment options have consistently performed strongly over the past 10 years.3

To see the returns for all our investment options over different time periods, go to firststatesuper.com.au/returns

Less on fees, more for you

For the past 10 years we’ve won awards for being one of the best value funds open to everyone.4

We understand even a small fee saving can make a huge difference to your final super balance.

Leading the way in ethical investing

As one of the first funds to offer two dedicated socially responsible investment options, we’re passionate about investing in projects with the highest social, environmental and governance standards.

Discover more at firststatesuper.com.au/sri

The reassurance of an award-winning fund

Our fund is consistently being recognised for its performance, features and service. Chant West, an independent super rating agency, awarded us 5 Apples for our super and pension products.

See more at firststatesuper.com.au/awards

Trusted advice for a better future

We believe that the right advice is key to building the future you want for you and your family. Knowing where to turn for financial advice can be hard, especially when you may not even know where to start. With Australia’s largest member-owned financial adviser network, you can feel confident  you’re in safe hands.

More to look forward to in retirement

Our income streams (also known as pension products) can help you save on tax and make your money go further when it really counts.

Insurance to protect you and your family

Peace of mind can come from knowing you and your family are going to be looked after no matter what. Having your insurance included in your super means you don’t have to pay for it out of your own pocket, like other bills.

We’re proudly local

The team at our 43 Australian-based service centres are ready to assist you.

Whether it’s face-to-face or over the phone, we’re here to help you feel future ready.

Low fees, more for you

A helping hand with your investments at no extra cost

With simple advice included in your membership, a super adviser can take the stress out of choosing the right investments.

Source: SuperRatings Benchmark Report, 2018

Top tips when comparing fees

Look at the total costAll funds charge a total investment fee – ours is 0.8% for our Growth option. Because of the different ways funds calculate their fees, make sure you’re adding up the total cost if there’s more than one fee.

More than just feesYou also need to look at other things like investment returns and whether you get added extras like simple advice and support that together, can help you reach more of your goals.

Paying multiple feesIf you’re with more than one super fund, you could save on fees by bringing all your super together.

$52+

0.15% p.a.

$78+

0.17 % p.a.

$78+

0.25% p.a.

First State Super Not-for-profit fund median

Industry fund median

How our administration fee compares

3 Based on SR50 Balanced (60-76) Index and SR25 Conservative Balanced (41-59) Index median over the past 1, 3, 5 and 10 years, up to 30 June 2018. Our investment returns are calculated after allowing for tax on investment income and investment management expenses, but before the deduction of administration fees. Past performance is not a reliable indicator nor is it a guarantee of future performance. Investment returns can be positive or negative depending on how the market is performing. 4 Based on SuperRatings 10 Year Platinum Performance Award for 2008-2018 and 2018 SelectingSuper AAA Quality Assessment.

Compare super funds quickly and easilyTo see how independent research company Chant West compares us to over 200 other funds, go to firststatesuper.com.au/compareus

Fee savings that add up to a better future

Super funds calculate their fees in different ways, so make sure you’re comparing apples with apples. Even a small difference in fees can mean a big difference to your super balance over time.

As one of Australia’s largest profit-for-member funds, all our profits go back to our members through lower fees and more member services.

Get your super together

If you’ve got more than one super fund, we can help you combine your super with us. Not only will you save on fees, but you’ll have less paperwork and more control over your money.

Simple ways to get on top of your superWe can help you with simple strategies that won’t necessarily cost you much now, but could make all the difference to how much you enjoy life in the years to come.

Manage your super online

A smart way to get the most out of your super is to manage your account online. You can view your balance at any time, change your investments, check your insurance and update your details.

If you’re not sure how much cover you need, you can talk to a super adviser at no extra cost. Call 1300 650 873 to book a time.

2 Applications are subject to acceptance. Insurance cover is provided to First State Super by TAL Life Limited (ABN 70 050 109 450, AFSL 237848).

Protect your most important assets

Getting your insurance through us can be an affordable way to protect you and your loved ones, and keep life running smoothly if the unexpected happens. Not only are our premiums competitive, but you can pay for your insurance out of your super, which means no out-of-pocket costs. Choose from death, death with total and permanent disablement cover, and income protection

2

Become super informed at one of our seminars

For no extra cost, our regular seminars are a great way to feel more confident about topics such as your super, investing and living well in retirement.

You’ll hear from our super specialists and be able to ask questions along with other members just like you.

Get expert advice to help you on your way

The decisions you make about your super can have a big impact on your future lifestyle. That’s why we support you with expert advice at every step of your journey. You can drop in for a friendly chat at one of our branches or book an appointment with a financial planner.

We are Australia’s largest member-owned financial planning network, and we’re focused on helping you achieve your financial goals.

Add a little more now for a lot more later

Making even small contributions on top of the super your employer pays can really boost your balance over time. And the sooner you start, the more time your money has to grow.

See how your extra contributions could add up Our super projection calculator shows you how much your super will grow by adding extra payments. Go to firststatesuper.com.au/projections

To find a seminar that interests you, go to firststatesuper.com.au/seminars

Go to firststatesuper.com.au/combine

FSS0001_FSS_Brochure_Super_10_art.indd 4-6 22/11/18 6:52 pm

Call 1300 650 873 to book your appointment

insurance.

FOLD

FOLD

FOLD

FOLD

Investments that are good for you and the community

As one of Australia’s largest super funds, we know that our investments can have a big impact on our economy, the environment and future generations.

That’s why we invest in things that are close to our members’ hearts – like hospitals, environmentally friendly developments, renewable energy, agriculture and aged care facilities.

Discover more at firststatesuper.com.au/projects

We make it easy to choose the right investments for you

There are lots of ways you can choose to invest for the years ahead. If you’re more comfortable leaving your investments to the experts, our pre-mixed options can give you a mix of growth and defensive assets that suit you.

Whereas if you want to be more hands-on, you can tailor your investments to take advantage of one or more single asset class options including equities, property and fixed interest investments from Australia and around the world.

Putting your future first, every step of the wayHere are a few of the reasons why we could be the super fund for you:

Our members come first

Unlike some other super funds, we’re profit-for-member.

So instead of going to shareholders, our profits go back into member benefits and other services to help  you get the most out of your super.

Returns to boost your balance

Our Growth and Balanced Growth investment options have consistently performed strongly over the past 10 years.3

To see the returns for all our investment options over different time periods, go to firststatesuper.com.au/returns

Less on fees, more for you

For the past 10 years we’ve won awards for being one of the best value funds open to everyone.4

We understand even a small fee saving can make a huge difference to your final super balance.

Leading the way in ethical investing

As one of the first funds to offer two dedicated socially responsible investment options, we’re passionate about investing in projects with the highest social, environmental and governance standards.

Discover more at firststatesuper.com.au/sri

The reassurance of an award-winning fund

Our fund is consistently being recognised for its performance, features and service. Chant West, an independent super rating agency, awarded us 5 Apples for our super and pension products.

See more at firststatesuper.com.au/awards

Trusted advice for a better future

We believe that the right advice is key to building the future you want for you and your family. Knowing where to turn for financial advice can be hard, especially when you may not even know where to start. With Australia’s largest member-owned financial adviser network, you can feel confident  you’re in safe hands.

More to look forward to in retirement

Our income streams (also known as pension products) can help you save on tax and make your money go further when it really counts.

Insurance to protect you and your family

Peace of mind can come from knowing you and your family are going to be looked after no matter what. Having your insurance included in your super means you don’t have to pay for it out of your own pocket, like other bills.

We’re proudly local

The team at our 43 Australian-based service centres are ready to assist you.

Whether it’s face-to-face or over the phone, we’re here to help you feel future ready.

Low fees, more for you

A helping hand with your investments at no extra cost

With simple advice included in your membership, a super adviser can take the stress out of choosing the right investments.

Source: SuperRatings Benchmark Report, 2018

Top tips when comparing fees

Look at the total costAll funds charge a total investment fee – ours is 0.8% for our Growth option. Because of the different ways funds calculate their fees, make sure you’re adding up the total cost if there’s more than one fee.

More than just feesYou also need to look at other things like investment returns and whether you get added extras like simple advice and support that together, can help you reach more of your goals.

Paying multiple feesIf you’re with more than one super fund, you could save on fees by bringing all your super together.

$52+

0.15% p.a.

$78+

0.17 % p.a.

$78+

0.25% p.a.

First State Super Not-for-profit fund median

Industry fund median

How our administration fee compares

3 Based on SR50 Balanced (60-76) Index and SR25 Conservative Balanced (41-59) Index median over the past 1, 3, 5 and 10 years, up to 30 June 2018. Our investment returns are calculated after allowing for tax on investment income and investment management expenses, but before the deduction of administration fees. Past performance is not a reliable indicator nor is it a guarantee of future performance. Investment returns can be positive or negative depending on how the market is performing. 4 Based on SuperRatings 10 Year Platinum Performance Award for 2008-2018 and 2018 SelectingSuper AAA Quality Assessment.

Compare super funds quickly and easilyTo see how independent research company Chant West compares us to over 200 other funds, go to firststatesuper.com.au/compareus

Fee savings that add up to a better future

Super funds calculate their fees in different ways, so make sure you’re comparing apples with apples. Even a small difference in fees can mean a big difference to your super balance over time.

As one of Australia’s largest profit-for-member funds, all our profits go back to our members through lower fees and more member services.

Get your super together

If you’ve got more than one super fund, we can help you combine your super with us. Not only will you save on fees, but you’ll have less paperwork and more control over your money.

Simple ways to get on top of your superWe can help you with simple strategies that won’t necessarily cost you much now, but could make all the difference to how much you enjoy life in the years to come.

Manage your super online

A smart way to get the most out of your super is to manage your account online. You can view your balance at any time, change your investments, check your insurance and update your details.

If you’re not sure how much cover you need, you can talk to a super adviser at no extra cost. Call 1300 650 873 to book a time.

2 Applications are subject to acceptance. Insurance cover is provided to First State Super by TAL Life Limited (ABN 70 050 109 450, AFSL 237848).

Protect your most important assets

Getting your insurance through us can be an affordable way to protect you and your loved ones, and keep life running smoothly if the unexpected happens. Not only are our premiums competitive, but you can pay for your insurance out of your super, which means no out-of-pocket costs. Choose from death, death with total and permanent disablement cover, and income protection

2

Become super informed at one of our seminars

For no extra cost, our regular seminars are a great way to feel more confident about topics such as your super, investing and living well in retirement.

You’ll hear from our super specialists and be able to ask questions along with other members just like you.

Get expert advice to help you on your way

The decisions you make about your super can have a big impact on your future lifestyle. That’s why we support you with expert advice at every step of your journey. You can drop in for a friendly chat at one of our branches or book an appointment with a financial planner.

We are Australia’s largest member-owned financial planning network, and we’re focused on helping you achieve your financial goals.

Add a little more now for a lot more later

Making even small contributions on top of the super your employer pays can really boost your balance over time. And the sooner you start, the more time your money has to grow.

See how your extra contributions could add up Our super projection calculator shows you how much your super will grow by adding extra payments. Go to firststatesuper.com.au/projections

To find a seminar that interests you, go to firststatesuper.com.au/seminars

Go to firststatesuper.com.au/combine

FSS0001_FSS_Brochure_Super_10_art.indd 4-6 22/11/18 6:52 pm

Call 1300 650 873 to book your appointment

insurance.

FOLD

FOLD

FOLD

FOLD

Investments that are good for you and the community

As one of Australia’s largest super funds, we know that our investments can have a big impact on our economy, the environment and future generations.

That’s why we invest in things that are close to our members’ hearts – like hospitals, environmentally friendly developments, renewable energy, agriculture and aged care facilities.

Discover more at firststatesuper.com.au/projects

We make it easy to choose the right investments for you

There are lots of ways you can choose to invest for the years ahead. If you’re more comfortable leaving your investments to the experts, our pre-mixed options can give you a mix of growth and defensive assets that suit you.

Whereas if you want to be more hands-on, you can tailor your investments to take advantage of one or more single asset class options including equities, property and fixed interest investments from Australia and around the world.

Putting your future first, every step of the wayHere are a few of the reasons why we could be the super fund for you:

Our members come first

Unlike some other super funds, we’re profit-for-member.

So instead of going to shareholders, our profits go back into member benefits and other services to help  you get the most out of your super.

Returns to boost your balance

Our Growth and Balanced Growth investment options have consistently performed strongly over the past 10 years.3

To see the returns for all our investment options over different time periods, go to firststatesuper.com.au/returns

Less on fees, more for you

For the past 10 years we’ve won awards for being one of the best value funds open to everyone.4

We understand even a small fee saving can make a huge difference to your final super balance.

Leading the way in ethical investing

As one of the first funds to offer two dedicated socially responsible investment options, we’re passionate about investing in projects with the highest social, environmental and governance standards.

Discover more at firststatesuper.com.au/sri

The reassurance of an award-winning fund

Our fund is consistently being recognised for its performance, features and service. Chant West, an independent super rating agency, awarded us 5 Apples for our super and pension products.

See more at firststatesuper.com.au/awards

Trusted advice for a better future

We believe that the right advice is key to building the future you want for you and your family. Knowing where to turn for financial advice can be hard, especially when you may not even know where to start. With Australia’s largest member-owned financial adviser network, you can feel confident  you’re in safe hands.

More to look forward to in retirement

Our income streams (also known as pension products) can help you save on tax and make your money go further when it really counts.

Insurance to protect you and your family

Peace of mind can come from knowing you and your family are going to be looked after no matter what. Having your insurance included in your super means you don’t have to pay for it out of your own pocket, like other bills.

We’re proudly local

The team at our 43 Australian-based service centres are ready to assist you.

Whether it’s face-to-face or over the phone, we’re here to help you feel future ready.

Low fees, more for you

A helping hand with your investments at no extra cost

With simple advice included in your membership, a super adviser can take the stress out of choosing the right investments.

Source: SuperRatings Benchmark Report, 2018

Top tips when comparing fees

Look at the total costAll funds charge a total investment fee – ours is 0.8% for our Growth option. Because of the different ways funds calculate their fees, make sure you’re adding up the total cost if there’s more than one fee.

More than just feesYou also need to look at other things like investment returns and whether you get added extras like simple advice and support that together, can help you reach more of your goals.

Paying multiple feesIf you’re with more than one super fund, you could save on fees by bringing all your super together.

$52+

0.15% p.a.

$78+

0.17 % p.a.

$78+

0.25% p.a.

First State Super Not-for-profit fund median

Industry fund median

How our administration fee compares

3 Based on SR50 Balanced (60-76) Index and SR25 Conservative Balanced (41-59) Index median over the past 1, 3, 5 and 10 years, up to 30 June 2018. Our investment returns are calculated after allowing for tax on investment income and investment management expenses, but before the deduction of administration fees. Past performance is not a reliable indicator nor is it a guarantee of future performance. Investment returns can be positive or negative depending on how the market is performing. 4 Based on SuperRatings 10 Year Platinum Performance Award for 2008-2018 and 2018 SelectingSuper AAA Quality Assessment.

Compare super funds quickly and easilyTo see how independent research company Chant West compares us to over 200 other funds, go to firststatesuper.com.au/compareus

Fee savings that add up to a better future

Super funds calculate their fees in different ways, so make sure you’re comparing apples with apples. Even a small difference in fees can mean a big difference to your super balance over time.

As one of Australia’s largest profit-for-member funds, all our profits go back to our members through lower fees and more member services.

Get your super together

If you’ve got more than one super fund, we can help you combine your super with us. Not only will you save on fees, but you’ll have less paperwork and more control over your money.

Simple ways to get on top of your superWe can help you with simple strategies that won’t necessarily cost you much now, but could make all the difference to how much you enjoy life in the years to come.

Manage your super online

A smart way to get the most out of your super is to manage your account online. You can view your balance at any time, change your investments, check your insurance and update your details.

If you’re not sure how much cover you need, you can talk to a super adviser at no extra cost. Call 1300 650 873 to book a time.

2 Applications are subject to acceptance. Insurance cover is provided to First State Super by TAL Life Limited (ABN 70 050 109 450, AFSL 237848).

Protect your most important assets

Getting your insurance through us can be an affordable way to protect you and your loved ones, and keep life running smoothly if the unexpected happens. Not only are our premiums competitive, but you can pay for your insurance out of your super, which means no out-of-pocket costs. Choose from death, death with total and permanent disablement cover, and income protection

2

Become super informed at one of our seminars

For no extra cost, our regular seminars are a great way to feel more confident about topics such as your super, investing and living well in retirement.

You’ll hear from our super specialists and be able to ask questions along with other members just like you.

Get expert advice to help you on your way

The decisions you make about your super can have a big impact on your future lifestyle. That’s why we support you with expert advice at every step of your journey. You can drop in for a friendly chat at one of our branches or book an appointment with a financial planner.

We are Australia’s largest member-owned financial planning network, and we’re focused on helping you achieve your financial goals.

Add a little more now for a lot more later

Making even small contributions on top of the super your employer pays can really boost your balance over time. And the sooner you start, the more time your money has to grow.

See how your extra contributions could add up Our super projection calculator shows you how much your super will grow by adding extra payments. Go to firststatesuper.com.au/projections

To find a seminar that interests you, go to firststatesuper.com.au/seminars

Go to firststatesuper.com.au/combine

FSS0001_FSS_Brochure_Super_10_art.indd 4-6 22/11/18 6:52 pm

Call 1300 650 873 to book your appointment

insurance.

FOLD

FOLD

FOLD

FOLD

Superannuation

We’re here to help Remember, whatever stage of life you’re at, we’re here to help you get the most out of your super.

Go to firststatesuper.com.au Call us on 1300 650 873 Drop into one of our local branches

Disclaimer: This is general information only and does not take into account your specific objectives, financial situation or needs. Seek professional financial advice, consider your own circumstances and read our product disclosure statement before making a decision about First State Super. Call us or visit our website for a copy. Issued by FSS Trustee Corporation ABN 11 118 202 672, AFSL 293340, the trustee of the First State Superannuation Scheme ABN 53 226 460 365. Financial planning services are provided by our financial planning business State Super Financial Services Australia Limited, trading as StatePlus, ABN 86 003 742 756, AFSL No. 238430. StatePlus is wholly owned by First State Super.

Your super could be one of your biggest assets by the time you retire. That’s why we believe it’s so important for you to choose the right super fund.

The right super fund will:

Put you first, not shareholders

Demonstrate consistent investment performance

Use profits to improve member services and benefits

Charge low fees

Offer options and choices to grow your super more quickly

Give you easy access to the right support and advice, either over the phone or face-to-face.

Feel future ready with one of Australia’s most award-winning funds

At First State Super, we offer all this and more. No matter who you are or where life takes you, we will put you first every step of the way.

We’re an award-winning fundWe don’t exist to win awards, but it feels good to be recognised by industry peers for doing what matters most to us – building a better future for all Australians.

We help over

765,0001

members feel more confident about their financial future1 July 2018

FSS0001_FSS_Brochure_Super_10_art.indd 1-3 22/11/18 6:52 pm

A super fund that’s all about you

FOLD

FOLD

FOLD

FOLD

Superannuation

We’re here to help Remember, whatever stage of life you’re at, we’re here to help you get the most out of your super.

Go to firststatesuper.com.au Call us on 1300 650 873 Drop into one of our local branches

Disclaimer: This is general information only and does not take into account your specific objectives, financial situation or needs. Seek professional financial advice, consider your own circumstances and read our product disclosure statement before making a decision about First State Super. Call us or visit our website for a copy. Issued by FSS Trustee Corporation ABN 11 118 202 672, AFSL 293340, the trustee of the First State Superannuation Scheme ABN 53 226 460 365. Financial planning services are provided by our financial planning business State Super Financial Services Australia Limited, trading as StatePlus, ABN 86 003 742 756, AFSL No. 238430. StatePlus is wholly owned by First State Super.

Your super could be one of your biggest assets by the time you retire. That’s why we believe it’s so important for you to choose the right super fund.

The right super fund will:

Put you first, not shareholders

Demonstrate consistent investment performance

Use profits to improve member services and benefits

Charge low fees

Offer options and choices to grow your super more quickly

Give you easy access to the right support and advice, either over the phone or face-to-face.

Feel future ready with one of Australia’s most award-winning funds

At First State Super, we offer all this and more. No matter who you are or where life takes you, we will put you first every step of the way.

We’re an award-winning fundWe don’t exist to win awards, but it feels good to be recognised by industry peers for doing what matters most to us – building a better future for all Australians.

We help over

765,0001

members feel more confident about their financial future1 July 2018

FSS0001_FSS_Brochure_Super_10_art.indd 1-3 22/11/18 6:52 pm

A super fund that’s all about you