Plum Super

Your benefit statement

at 30 June 2018
1301012012112021002130310020302002013 049

Mr Rodolfo Linares Pena

24B Oats Street Superannuation
KEWDALE WA 6105 benefit
$43,520.15
Your details
To update any of your personal
Plan Name Plum Personal Plan details login to
Name Rodolfo Linares Pena plum.com.au or call us on
1300 55 7586 between 8am and
Member number 108293113
7pm AEST (8pm daylight savings
Date joined employer 4 February 2013 time), Monday to Friday.
Date joined Plan 12 February 2017
Alternatively, you can write to us at:
Eligible service date 4 February 2013
Plum Super
Tax File Number (TFN) supplied Yes GPO Box 63
Beneficiary nomination received Yes MELBOURNE VIC 3001
Personal email [email protected]
Work email [email protected]
Phone Not Provided
Mobile 0451795763

Your benefits at a glance

Superannuation benefit at 30 June 2017: $41,124.84
Superannuation benefit at 30 June 2018: $43,520.15
Are you on track with
Death benefit at 30 June 2018: $521,817.86
your super?
Total and permanent disablement benefit at 30 June 2018: $521,817.86
Visit our website and consider
An exit fee of $75.00 may be deducted from any withdrawals from your account. using the super calculator to
help you determine just how
long your super could last you,
based on your income needs.
Our calculator can help you:
· estimate how long your
money at retirement will last,
· see whether you have
enough money to cover living
and other expenses each
year, and
· see how different decisions
may affect your retirement
income.

Issuer/Trustee Fund GPO Box 63 Telephone 1300 55 7586

NULIS Nominees (Australia) Limited MLC Super Fund MELBOURNE VIC 3001 Fax 1300 99 7586
ABN 80 008 515 633 ABN 70 732 426 024 Web plum.com.au
AFSL 236465

PPP-31000-NP30593-20180910 S3_SNPNLN-XXXXXX-003014
Plum Super
Your benefit statement
at 30 June 2018

Your superannuation benefit at a glance

Opening balance at 30 June 2017 $41,124.84
Your account explained
Payments in $0.00 You can contact us at any time
Payments out $0.00 and we'll help you to
understand your contribution
Insurance premiums -$781.50 levels, benefits and investment
Government contributions tax $161.30 options. Please visit
Fees paid directly from your account -$293.77 plum.com.au or call us.
Investment earnings $3,309.28 You can also find out more on
Closing balance at 30 June 2018 $43,520.15 managing your account in the
Fact Sheets that are available on
About your closing balance plum.com.au
Your closing balance doesn't include any fees and taxes that would be incurred if you closed The Trustee is obliged to
your account on 30 June 2018. It is calculated by multiplying the number of units held by the provide you with any further
relevant unit withdrawal (sell) price as at the date of this statement. The underlying assets of information you reasonably
each investment option can rise and fall on a daily basis with fluctuations in the investment require to understand your
markets. superannuation benefit
entitlements.
Superannuation benefit at 30 June 2018 $43,520.15
Your superannuation benefit consists of:
Preserved (money you generally can’t access until you retire or reach age 65) $43,520.15
Restricted non - preserved (money subject to access rules) $0.00
Unrestricted non - preserved (money you can generally access at anytime) $0.00

Your final benefit may vary due to adjustment for any applicable fees, costs, taxes, other
payments required by law and any market movements (rises and falls) in the unit price of
your investment options. Before withdrawing your benefit you should contact us to ascertain
the withdrawal value of your benefit at that time.

Your contribution totals with the Plan for this financial year
Your contribution totals with the Plan from 1 July 2017 to 30 June 2018 amount to:
Concessional contributions : $0.00
Non-concessional contribution: $0.00
These totals do not include any amounts that are not yet allocated to your account.

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Plum Super
Your benefit statement
at 30 June 2018

Your BPAY reference number: 1082931138

Contributions your employer makes Biller code

Compulsory 37523
Salary sacrifice 37515

Contributions you make Biller code

Personal 37754
Spouse 37762

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Plum Super
Your benefit statement
at 30 June 2018

Your investment summary

Opening balance on 30 June 2017 The right investment
choice
Units Unit Price Value
Did you know we offer a broad
MySuper 3,193.467 $12.8778 $41,124.83 range of investment options to
choose from?
Total account balance $41,124.84
If you'd like more information
on available investment options
Closing balance on 30 June 2018 including asset allocation,
Units Unit Price Value performance and commentary,
simply visit plum.com.au or call
MySuper 3,125.707 $13.9233 $43,520.15 us on 1300 55 7586 to speak to
one of our telephone based
Total account balance $43,520.15 financial advisers.

Your future contributions and rollovers will be invested as follows

Percentage
MySuper 100.00%

Your account balance by asset class

5.00% Cash
11.00% Australian Fixed Income
7.00% Global Fixed Income
(Hedged)
1.00% Property Securities
4.00% Unlisted Property
28.00% Australian Shares
17.00% Global Shares
8.00% Global Shares (Hedged)
5.00% Private Assets
7.00% Alternatives and other
(Defensive)
7.00% Alternatives and other
(Growth)

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Plum Super
Your benefit statement
at 30 June 2018

How the investment options you hold performed to 30 June 2018

Start Unit price End Unit price Earning Number of Value
Investment option
date at start date date at end date Rate * units held
MySuper 30/06/2017 $12.8778 30/06/2018 $13.9233 8.1% 3,125.707 $43,520.15
Total $43,520.15
* These earning rate(s) are estimated based on the unit price at the start and end of the period during which your investments were held.
Your investment return will be based on when you have contributed to and transacted on your account. Please refer to the How all
investments performed section for the historical returns of all investment options.

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Plum Super
Your benefit statement
at 30 June 2018

How all investment options performed to 30 June 2018

6mth 1Yr 5Yr 10Yr Inception Return Since
Return Return Return Return Date Inception Date
Investment options % %* % p.a.* % p.a.* % p.a.*
MySuper
MySuper 2.4% 8.1% N/A N/A 1/12/2013 7.5%
Path one - simple choice
Pre-mixed Conservative 1.1% 3.8% 4.8% 4.7% 1/12/2003 5.2%
Pre-mixed Cautious 1.8% 6.3% 6.7% 5.6% 1/12/2003 6.3%
Pre-mixed Moderate 2.3% 8.5% 8.4% 6.4% 1/12/2003 7.3%
Pre-mixed Assertive 2.7% 10.2% 9.9% 6.9% 1/12/2003 7.8%
Pre-mixed Aggressive 3.3% 12.2% 11.4% 7.5% 1/12/2003 8.1%
JANA Conservative 1.5% 4.3% 5.3% 5.0% 1/01/2002 5.6%
JANA Cautious 2.2% 6.5% 7.0% 5.8% 1/01/2002 6.1%
JANA Moderate 2.8% 8.8% 8.9% 6.4% 1/01/2002 6.7%
JANA Assertive 3.2% 10.2% 9.9% 6.7% 1/01/2002 6.9%
JANA Aggressive 3.7% 12.0% 11.1% 7.0% 1/01/2002 7.1%
MLC Conservative 1.4% 4.2% 4.9% 4.6% 1/12/2003 5.2%
MLC Cautious 2.2% 6.7% 6.8% 5.5% 1/12/2003 6.3%
MLC Moderate 2.8% 9.0% 8.6% 6.2% 1/12/2003 7.2%
MLC Assertive 3.2% 10.4% 9.9% 6.7% 1/12/2003 7.7%
MLC Aggressive 3.7% 12.6% 11.3% 7.4% 1/12/2003 8.1%
Path two - flexible choice
Cash Fund 0.7% 1.3% 1.7% 2.6% 1/01/1999 3.6%
Diversified Fixed Interest 0.6% 1.5% 2.8% 4.2% 1/01/1999 4.7%
Diversified Property Securities 2.2% 10.1% 10.7% 6.1% 1/01/1999 6.9%
Australian Property Securities - Index 1.3% 6.9% 10.0% 5.0% 1/01/1999 5.9%
Australian Shares 4.9% 14.0% 10.1% 6.7% 1/01/1999 8.6%
Australian Shares - Index 3.9% 12.7% 10.0% 6.5% 1/01/1999 8.3%
International Shares 5.0% 14.2% 13.6% 7.9% 1/01/1999 4.8%
International Shares - Index 5.3% 14.0% 13.7% 8.4% 1/01/1999 3.9%
International Shares - Index (hedged) 0.6% 9.5% 11.6% 7.7% 1/10/2001 7.2%
Cautious - Index Plus 2.0% 6.4% 7.7% 6.4% 1/01/1999 6.0%
Moderate - Index Plus 2.5% 8.4% 9.2% 7.1% 1/01/1999 6.6%
Assertive - Index Plus 2.9% 9.8% 10.5% 7.3% 1/01/1999 6.9%
Path three - specialist choice
Australian Fixed Interest 1.4% 2.7% 3.7% 5.2% 1/01/1999 4.8%
International Fixed Interest -0.2% 0.7% 3.6% N/A 1/12/2008 5.2%
Australian Property Securities 1.4% 10.4% 11.1% 5.9% 1/12/2003 5.4%
Australian Shares - Small Companies 4.2% 20.4% 7.1% 4.5% 1/12/2003 8.3%
Australian Shares - Ethical 0.4% 5.7% 10.8% 12.4% 1/12/2003 12.3%
International Shares - Neutral 5.2% 12.9% 13.5% 8.3% 1/01/1999 4.9%
International Shares - Emerging Markets -3.6% 12.8% 9.1% 1.4% 1/12/2003 6.6%
Diversified Shares - Geared 5.4% 15.5% 14.2% 7.9% 1/12/2003 8.9%
Australian Shares - Income -0.8% 4.1% 8.3% 8.3% 1/01/1999 8.0%
Investment options closed to new investors
Diversified Shares (Closed) 4.9% 14.0% 12.0% 7.6% 1/01/1999 7.0%

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Plum Super
Your benefit statement
at 30 June 2018

How all investment options performed to 30 June 2018 (continued)

6mth 1Yr 5Yr 10Yr Inception Return Since
Return Return Return Return Date Inception Date
Investment options % %* % p.a.* % p.a.* % p.a.*

Please remember, past performance of the above investment option is not a reliable indicator of future performance.
*Returns for periods one year or greater are calculated on an annualised basis.
The historical returns stated above are the compound average effective rate of net earnings for the investment option. One year or more
performance figures for investment options introduced during the reporting period were unavailable at the time of printing. All returns are
calculated net of investment, issuer and taxes. The historical returns stated above are the returns for the Fund which may differ from your
personal earning rate.

Go to plum.com.au/yoursuperfund to access the MySuper dashboard.

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Plum Super
Your benefit statement
at 30 June 2018

Your transaction summary

30 June 2017 to 30 June 2018

Your premiums
Insurance premiums Date Amount
Your premiums are based on
Deductible Insurance premiums 31/07/2017 -$62.13 your individual circumstances
Deductible Insurance premiums 31/08/2017 -$62.13 and generally increase with age.
For more information about
Deductible Insurance premiums 30/09/2017 -$60.12
premiums, please refer to the
Deductible Insurance premiums 31/10/2017 -$62.13 Your Superannuation Explained
Deductible Insurance premiums 30/11/2017 -$63.84 guide or call us.
Deductible Insurance premiums 31/12/2017 -$68.90
Deductible Insurance premiums 31/01/2018 -$68.89
Deductible Insurance premiums 28/02/2018 -$62.23
Deductible Insurance premiums 31/03/2018 -$68.89
Deductible Insurance premiums 30/04/2018 -$66.67
Deductible Insurance premiums 31/05/2018 -$68.90
Deductible Insurance premiums 30/06/2018 -$66.67
Total Insurance premiums paid -$781.50

Government contributions tax Date Amount Government contribution

tax
Tax on Contributions 31/07/2017 $12.87
The Government charges a
Tax on Contributions 31/08/2017 $12.87 standard tax rate of 15% on all
Tax on Contributions 30/09/2017 $12.60 concessional superannuation
Tax on Contributions 31/10/2017 $12.95 contributions. To find out more,
please visit ato.gov.au
Tax on Contributions 30/11/2017 $13.23
Tax on Contributions 31/12/2017 $14.00
Tax on Contributions 31/01/2018 $14.02
Tax on Contributions 28/02/2018 $13.00
Tax on Contributions 31/03/2018 $13.97
Tax on Contributions 30/04/2018 $13.68
Tax on Contributions 31/05/2018 $14.40
Tax on Contributions 30/06/2018 $13.71
Total contribution tax paid $161.30

Fees Date Amount

Fees paid directly from your account

Deductible Plan management fee 31/07/2017 -$17.15
Deductible Member fee 31/07/2017 -$6.50
Deductible Member fee 31/08/2017 -$6.50
Deductible Plan management fee 31/08/2017 -$17.22
Deductible Member fee 30/09/2017 -$6.50
Deductible Plan management fee 30/09/2017 -$17.33
Deductible Plan management fee 31/10/2017 -$17.69
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Plum Super
Your benefit statement
at 30 June 2018

Your transaction summary

(continued)

Fees Date Amount Your fees and costs

Fees can be charged in two
Fees paid directly from your account different ways:
Deductible Member fee 31/10/2017 -$6.50 • fees deducted directly from
Deductible Member fee 30/11/2017 -$6.50 your account; and
Deductible Plan management fee 30/11/2017 -$17.90 • indirectly, which are included
Deductible Plan management fee 31/12/2017 -$17.93 in the calculation of unit
prices for each investment
Deductible Member fee 31/12/2017 -$6.50
option
Deductible Member fee 31/01/2018 -$6.50
For more information about
Deductible Plan management fee 31/01/2018 -$18.04 your fees, costs and taxes,
Deductible Member fee 28/02/2018 -$6.50 simply visit the member secure
Deductible Plan management fee 28/02/2018 -$17.98 area of plum.com.au or call us
on 1300 55 7586.
Deductible Member fee 31/03/2018 -$6.50
Deductible Plan management fee 31/03/2018 -$17.72
Deductible Member fee 30/04/2018 -$6.50
Deductible Plan management fee 30/04/2018 -$18.03
Government Levy 09/05/2018 -$2.57
Deductible Member fee 31/05/2018 -$6.50
Deductible Plan management fee 31/05/2018 -$18.04
Deductible Member fee 30/06/2018 -$6.50
Deductible Plan management fee 30/06/2018 -$18.17
Total fees paid directly from your account -$293.77
Further information about the fees and costs that you pay are set out in the PDS available at
plum.com.au

Indirect costs of your investment -$293.00

This approximate amount has been deducted from your investment and covers amounts that have
reduced the return on your investment but are not charged as a fee. It includes investment fees that are
not reflected as transactions on this statement.

Total fees you paid -$586.77

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Plum Super
Your benefit statement
at 30 June 2018

Your transaction summary

(continued)

This approximate amount includes all the fees and costs which affected your investment during the
period.

The total fees you paid shown above do not include:

1) The property operating costs that you may have incurred during the period. Property
operating costs are costs such as rates, utilities and staff costs that may be incurred where
an investment option has exposure to unlisted property.*

2) The buy-sell spread fee on your transactions, because it is not reasonably practicable for
us to include the buy-sell spread fee that you incurred during the period. Please refer to
the Additional explanation of fees and costs below for further information.*

3) Any borrowing costs you may have incurred as described below under Additional
explanation of fees and costs.*

* All these fees and costs have already been taken into account in the calculation of your
closing balance so you won’t see a separate deduction for them.

Features and benefits differ from product to product, so it is important to make sure, when comparing
the total fees, you are comparing similar features and benefits. Your financial adviser can help you with
this comparison.

Additional explanation of fees and costs

Taxes and tax benefit

The benefits of tax deductions are passed back to you in the form of a tax credit added to your account.

Buy-sell spread fees

The buy-sell spread fees for different investment options range from 0.00% to 0.25%. If you had $50,000
in transactions, you would have been charged up to $125. This means the total fees you paid would be
as shown above plus up to $125. Please contact us if you would like further details about buy-sell spread
fees.

Borrowing (gearing) costs

Some investment options incur borrowing (or gearing) costs, where borrowing is part of the investment
strategy of funds that the superannuation fund invests into. Borrowing costs include costs in relation to
a loan arrangement, including upfront costs to establish the arrangement and ongoing costs such as
interest payments. They are an additional cost to you and are not included in the Total fees you paid
above.

For more information about the borrowing costs incurred by each investment option, please refer to the
PDS, Fee Brochure (where applicable) and Investment Menu located at plum.com.au

Alternatively, if the borrowing costs for your investment option cannot be found in the above
documents, please refer to Borrowing costs located at plum.com.au

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Plum Super
Your benefit statement
at 30 June 2018

Your beneficiaries
Percentage
Why update your
Name Type of Relationship
Nomination
beneficiaries?
Keep your beneficiary
Eudilene Cabral Melo Non-binding Interdependency 50.00% nominations up-to-date as your
Relationship circumstances change. You can
Julio Orlando Linares Non-binding Financial Dependent 50.00% update your nomination by
completing the Beneficiary
Nomination form available at
plum.com.au/links/benform

For more information refer to

the PDS or speak with your
financial adviser.

Your insurance and benefits at 30 June 2018 Extra insurance when you
Your insured amount Benefit payable need it most
Death $478,297.71 $521,817.86 At certain times in your life, like
getting married or buying a new
Total and permanent disablement $478,297.71 $521,817.86 home, you should consider
Temporary Disablement benefit (Salary Continuance) reviewing your insurance and
Benefit per annum $88,573.65 the most appropriate level of
cover for you.
Benefit Waiting Period 90 Days For more information refer to
Benefit Payment Period 2 Years the Your Superannuation
Explained guide or call us.
If you were to die, or became totally and permanently disabled, we’d pay you or your
beneficiaries the Benefit payable.
Any insurance paid will be subject to the terms and conditions in the insurance policy
document and is based on the information provided to us. The insurance amount reflects
your situation at 30 June 2018 and may be subject to change.
For SCI cover, you have the option to apply for a different waiting period and/or benefit
payment period in the Personal Plan by completing the Insurance form – Plum Personal Plan.
Please note different premium rates apply to different options. Full details of the waiting
period and benefit payment period options and associated premium rates are available in the
Insurance Guide.

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Plum Super
Your benefit statement
at 30 June 2018

Resolving complaints Your Annual Report

We can usually resolve complaints over the The current fund Annual Report is available on
phone. If we can't or you're not satisfied with plum.com.au/links/annualreport if you would
the outcome, please write to us. We'll work to like to receive a printed copy in future, please
resolve your complaint as soon as possible. call us and we’ll mail one to you.
For more information, refer to our complaints
procedures in the General Questions section of
plum.com.au/links/feedback

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