Personal Plan

Product Disclosure Statement

30 September 2023

What we'll cover

1 About Personal Plan
2 How super works
3 Benefits of investing with Personal Plan
4 Risks of super
5 How we invest your money
6 Fees and costs
7 How super is taxed
8 Insurance in your super
9 How to open an account
10 Changing jobs

Join form enclosed, or join online

at australiansuper.com/join

MySuper Authorised 65 714 394 898 856 issued

by AustralianSuper Pty Ltd ABN 94 006 457 987
AFSL 233788 Trustee of the AustralianSuper
superannuation fund (‘AustralianSuper’ or the ‘Fund’)
ABN 65 714 394 898 USI STA0100AU
GPO Box 1901, Melbourne VIC 3001
1 About Personal Plan
This Product Disclosure Statement explains the key features and benefits
of being with Personal Plan.
Personal Plan is part of AustralianSuper, Australia’s largest industry super fund, trusted
by 3.26 million Australians to look after $299 billion in assets1. Here's why:
You come first
As a profit-for-member super fund, we act in your best interests and not the interests of
shareholders.
Helping you invest to build a better future
We’re committed to providing strong, long-term returns to help you build a better future.
See how we compare at australiansuper.com/compare
If you don't make an investment choice, we'll invest your super in the AustralianSuper
MySuper Balanced investment option.
If you want to take more control over your super, you can choose from a range of other
PreMixed (diversified), DIY Mix (specific asset class) or Member Direct (self-directed)
investment options.
A copy of the product dashboard for AustralianSuper’s MySuper Balanced option is
available at australiansuper.com/MySuperDashboard
Working with employers
We work with around 460,0001 employers Australia-wide.
Award-winning products and services
You can be confident knowing your super is being managed by an award-winning fund
(see back cover)2.
Other information
You can find important information, including our Trust Deed, Annual Report and
remuneration for executive officers, at australiansuper.com
1
As at 30 June 2023.
2
Awards and ratings are only one factor to be taken into account when choosing a super fund.

About this Product Disclosure Statement

This Product Disclosure Statement (PDS) is a summary of significant information and
contains a number of references to important information (each of which forms part
of the PDS). You should consider this information before making a decision about the
product.
The information in this PDS is current as at the date of publication but may change
from time to time. Changes that are not materially adverse will be made available online
at australiansuper.com/pds A paper or electronic copy of the updated changes will
be made available on request at no extra charge.
This PDS provides general information only and doesn’t take into account your personal
objectives, financial situation or needs. You should obtain financial advice tailored to
your personal circumstances.
A Target Market Determination (TMD) is a document that outlines the target market a
product has been designed for. Find the TMDs at australiansuper.com/tmd

2
2 How super works
Super is an important way for you to save for retirement.
Super is an investment for your future and the sooner money starts going into your account,
the better off you’ll be when you retire. That’s because, over the long term, your super
grows from investment returns and any money that’s added to your account.
There are many ways money can be added (contributed) to your account.
Superannuation Guarantee contributions
Employers pay a compulsory contribution to your super known as the Superannuation
Guarantee (SG). Currently, this is an amount equal to 11% of your annual salary (subject
to a salary cap of $62,270 each quarter).
There are also other types of contributions that could help you grow your super.
Personal contributions
Before-tax1 – includes salary sacrifice contributions made by you, any personal
contributions for which you claim a tax deduction and voluntary contributions made by
your employer for which they claim a tax deduction.
After-tax1 – includes any additional contributions you make from your take-home pay,
for which you don’t advise us you wish to claim a tax deduction.
Government co-contributions
If you're a low to middle income earner, you may be entitled to a government
co-contribution if you add to your super from your after-tax pay. For more information
see the Add to your super with government contributions fact sheet
at australiansuper.com/FactSheets
Useful information to know
Tax benefits are provided by the government to encourage you to save more for retirement
and grow your super over time.
You generally can’t access your super savings until you reach your preservation age. Your
preservation age varies depending on the year you were born. To learn more about
accessing your super, rollovers and preservation age, visit australiansuper.com/
AccessYourSuper
It’s your super, it’s your choice
Normally you can tell your employer where you want your super to be paid. But in some
cases, it depends on your employment contract. If you don’t make a choice and do not
have an existing super account which is ‘stapled’ to you, they will pay your contributions
to a MySuper compliant super fund.
Protecting your super
If you have an account balance below $6,000, legislation requires us to transfer your
account to the Australian Tax Office (ATO) after 16 months of inactivity. Where possible,
the ATO will transfer your account to your active super fund. To find out how to keep
your AustralianSuper account active, visit australiansuper.com/pys
Combine your super
If you’ve had more than one job in the past, you may have more than one super account
and several insurance policies. If you want to transfer insurance cover you have with
another super fund, you’ll need to transfer your cover before you combine your super.
Learn more about combining your super and transferring insurance cover at
australiansuper.com/combine

1
Depending on your income and personal circumstances, you may be better off contributing before or
after tax, or using a combination of both. The government places limits on the amount that can be
contributed to super. To learn more, visit australiansuper.com/InfoTax
3
3 Benefits of investing with
Personal Plan
We’re here to help you get the most from your money today and
tomorrow. That’s why we offer simple and effective solutions to help you
manage your account.
Get more from being a member
A range of PreMixed (diversified), DIY Mix (specific asset class) and Member
Direct (self-directed) investment options to choose from, including our
Balanced option backed by a history of strong long-term investment
performance1.

Optional Death, Total & Permanent Disablement and Income

Protection insurance cover to protect you and those who matter to you.

Education and webinars on growing your super, planning for retirement and
already retired at no additional cost.

Tools and calculators to help you understand super.

Financial advice available over-the-phone and face-to-face2.

1
AustralianSuper Balanced investment option compared to the SuperRatings Fund Crediting Rate
Survey - SR50 Balanced (60-76) Index to 30 June 2023. Investment returns are not guaranteed. Past
performance is not a reliable indictor of future returns.
2
Personal financial product advice is provided under the Australian Financial Services Licence held by
a third party and not by AustralianSuper Pty Ltd. Some personal advice may attract a fee, which would
be outlined before any work is completed and is subject to your agreement. With your approval, the
fee for advice relating to your AustralianSuper account may be deducted from your
AustralianSuper account subject to eligibility criteria.

Access your account online or download the mobile app to track your super 24/7. To
set up your online account, visit australiansuper.com/register
Download the app here:

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other
countries. App Store is a service mark of Apple Inc. Google Play and the Google Play
logo are trademarks of Google Inc.

4
4 Risks of super
All investments, including super, have some risk.
How you invest your super will depend on your age, how long you’ll invest your super,
other investments you may have, and your tolerance for volatility.
Volatility is when the returns on your investment go up or down over time. The level of
volatility your super investment could have will depend on the types of assets that your
super is invested in. Examples of assets include investments such as shares, property,
fixed interest, or cash.
Different types of assets have different levels of potential return and volatility. Generally,
higher long-term returns are accompanied by a greater potential for volatility in the short
term.
You can choose from a range of investment options, each with a different mix of assets.
So, the likely investment return and the level of potential volatility of returns involved are
different for each option.

What you need to think about

When considering your super, it’s important to understand that:
investment returns may go up and down over time and the value of investments will
vary, so the value of your super may also go up and down
investing too conservatively can be risky because over the long term your investment
may not earn a return above the inflation rate
returns aren’t guaranteed, and you may lose some of your money
past returns aren’t a reliable indicator of future returns
the laws affecting your super may change
the amount of your future super savings (including contributions and returns) may not
be enough for your retirement.

More information
You should read the important information about the risks of investing in
super before making a decision. Download the Investment guide,
from australiansuper.com/InvestmentGuide
The material relating to the risks of investing in super may change between
the time when you read this PDS and the day when you acquire the
product.

5
5 How we invest your money
How we invest your money when you join:

If you join through your employer or If you join online at

complete the Join AustralianSuper australiansuper.com/join you can
form you’ll be invested in the Balanced OR choose your own investment option/s
option (MySuper) until you make an through the join process.
investment choice.

Investment details for the Balanced option

Invests in a wide range of assets, including Balanced option investment mix –
shares, private equity, infrastructure, strategic asset allocation and ranges1
property, fixed interest, credit and cash.
Designed to have medium to long-term
growth with possible short-term
fluctuations.
Investment objective
To beat CPI2 by more than 4% pa over the
medium to longer term.
To beat the median balanced fund over
the medium to longer term.
Minimum investment timeframe Australian shares 23.5% (10-45%)
Be prepared to stay invested in this option International shares 28.5% (10-45%)
for at least 10 years due to the potential for Private equity 4% (0-15%)
short-term volatility. Unlisted infrastructure 9% (0-30%)
Risk levels Listed infrastructure 1% (0-10%)
Short-term risk classifies investment Unlisted property 8% (0-30%)
options according to their likelihood of Listed property 1.5% (0-10%)
negative returns in a given year. This is Credit 4.5% (0-20%)
also known as the Standard Risk Measure. Fixed interest 14% (0-25%)
Cash 6% (0-20%)
Medium-term risk balances two risks. The Other assets3 0% (0-5%)
first is that your super savings will be
reduced by volatility and the second is
that your super savings won’t keep up Risk level for the time invested
with wage inflation.
Long-term risk is the risk that your super Short (if savings are required High
savings won’t keep up with wage inflation. term in 5 years or less)
Estimated number of negative annual Medium (if savings are required Medium
returns over any 20-year period term after 5 to 20 years)
Approximately 5 out of every 20 years.
Long (if savings are required Low
term after 20 years or more)

1
Investment information is current at the date of publication and may change from time to time. See
australiansuper.com/AssetAllocation for updated information. Investment returns aren’t guaranteed.
2
CPI stands for Consumer Price Index – which is used as a measure of inflation.
3
Investments that represent unique opportunities or strategies. Examples may include strategic equity
holdings, commodities, royalties, leases, hedge funds and other alternative investment approaches.
6
AustralianSuper has a range of investment options to suit a wide range of investors.
PreMixed options DIY Mix options
Combines a mix of asset classes to provide Provides investment exposure to specific asset
different types and levels of risk and potential classes. With DIY Mix options you can select a
return. combination of asset classes to suit you.
High Growth Australian Shares
Balanced International Shares
Socially Aware Diversified Fixed Interest
Indexed Diversified Cash
Conservative Balanced
Stable
Member Direct investment options
Member Direct investment option enables you to invest in your choice of stocks in the S&P/ASX 300
Index, selected Exchange Traded Funds (ETFs), selected Listed Investment Companies (LICs), term
deposits and cash.
Changing your investment option
You can choose your preferred investment option in the mobile app or by logging into
your account. It won’t cost you anything to switch. Find out more about choosing or
changing your investment options at australiansuper.com/switching

You should read the important information about our investment options before making
a decision. The Investment guide contains information about our other investment
options including the risk and expected returns over different periods of time. Download
the Investment guide from australiansuper.com/InvestmentGuide
You should consider the likely investment return, risk, and your investment timeframe
when choosing an investment option.
The material relating to our investment options may change between the time when
you read this PDS and the day when you acquire the product.

6 Fees and costs

Did you know?
Small differences in both investment performance and fees and costs can have a
substantial impact on your long-term returns.
For example, total annual fees and costs of 2% of your account balance rather than 1%
could reduce your final return by up to 20% over a 30-year period (for example, reduce
it from $100,000 to $80,000).
You should consider whether features such as superior investment performance or the
provision of better member services justify higher fees and costs.
You or your employer, as applicable, may be able to negotiate to pay lower fees. Ask
the Fund or your financial adviser.
To find out more
If you would like to find out more, or see the impact of the fees based on your own
circumstances, the Australian Securities and Investments Commission (ASIC)
Moneysmart website (moneysmart.gov.au) has a superannuation calculator to help
you check out different fee options.

7
This section shows the fees and other costs you may be charged for the
AustralianSuper MySuper Balanced investment option. These fees and other costs may
be deducted from your account, from the returns on your investment or from the assets
of the superannuation entity as a whole. You can use this information to compare fees
and costs between different superannuation products. See australiansuper.com/
FeesandCostsGuide for the fees and costs for our other investment options.

Fees and costs summary

AustralianSuper MySuper Balanced investment option

Type of fee or cost Amount How and when paid

1
Ongoing annual fees and costs
The Flat administration fee is deducted directly from your
$1 per week account on the last Friday of each month based on the
number of Fridays in the month.
Plus 0.10% pa The Asset-based administration fee is deducted directly
of your from your account on the last Friday of each month based
account on your closing account balance on this date and is
Administration fees and balance pro-rated based on the number of Fridays in the month.
costs capped at
$350 pa
Administration costs paid from reserves that are not
otherwise charged as administration fees. These costs are
0.00% pa2 not directly charged to your account but have reduced the
reserve balance held by the Fund to cover future
administration costs.
Investments fees Deducted from pre-tax investment returns and reflected
and costs2,3 0.50% pa in the daily crediting rate.

Transaction costs2 Deducted from pre-tax investment returns and reflected

0.06% pa
in the daily crediting rate.
Member activity related fees and costs
Buy-sell spread Nil Not applicable.
Switching fee Nil Not applicable.
See section 8 of this PDS for details of insurance fees and the Additional
Other fees and costs explanation of fees and costs at australiansuper.com/
FeesandCostsGuide for details of other activity related fees and costs.
1
If your account balance is less than $6,000 at the end of the financial year, certain fees and costs
charged to you in relation to administration and investment are capped at 3% of your account
balance. Any amount charged in excess of that cap will be refunded directly to your account.
2
These percentages are calculated based on previous financial year(s) and are rounded to the nearest
two decimal places. For details of how they are calculated see australiansuper.com/
FeesandCostsGuide The actual amount you'll be charged for this financial year will depend on the
actual fees and costs incurred.
3
Investment fees and costs include an amount of 0.10% pa for Performance fees.

You will receive a tax benefit of 15% on any administration fees and any insurance
fees deducted directly from your account. The tax benefit will be paid directly into your
account each month. See section 7 of this PDS for further information on how super is
taxed.

8
 Example of annual fees and costs
This table gives an example of how the ongoing annual fees and costs for the
AustralianSuper MySuper Balanced investment option for this superannuation product
can affect your superannuation investment over a one-year period. You should use this
table to compare this superannuation product with other superannuation products.

Example – AustralianSuper MySuper

Balance of $50,000
Balanced investment option
For every $50,000 you have in the
superannuation product, you will be charged $50
in administration fees and costs up to a maximum
Administration fees and 0.10% plus $52 of $350
costs ($1 per week)
plus
you will be charged $52 regardless of your
account balance.
PLUS Investment fees and AND, you will have deducted from your
0.50%
costs investment $250 in investment fees and costs.
AND, you will have deducted from your
PLUS Transaction costs 0.06%
investment $30 in transaction costs.
If your balance was $50,000 at the beginning of
EQUALS the year, then for that year you will be charged
Cost of product1 fees and costs of $382 for the superannuation
product.
1
Additional fees may apply. Assumes your balance of $50,000 is maintained throughout the year.
You will receive a tax benefit of $15.30 on the administration fees shown above which will reduce
the cost of product for the year after tax benefits to $366.70.

Changing your fees

We can change the fees we charge at any time without your consent. You’ll be given at
least 30 days’ notice before any increase in fees deducted directly from your account
takes effect.

Advice fees for personal advice

If you receive personal financial advice you may be charged a fee which would be
outlined before any work is completed and is subject to your agreement.

The Statement of Advice provided by your Financial Adviser will set out the fees you’ll
pay. Personal financial product advice is provided under the Australian Financial Services
Licence held by a third party and not by AustralianSuper Pty Ltd.
See how fees affect your super
Use the Superannuation calculator at moneysmart.gov.au to see how fees and costs affect
your final super balance.

You should read all the important information about fees and other costs before making
a decision because it is important to understand their impact on your investment – go
to australiansuper.com/FeesandCostsGuide The material relating to our fees and costs
may change between the time when you read this PDS and the day when you acquire
the product.

9
7 How super is taxed
Tax on contributions
The tax paid on super contributions depends on the amount and type of contribution. Tax
is deducted after the contribution is received. There are limits on how much you can
contribute, and if you exceed these limits you may pay extra tax.
Type Tax on contributions in 2023/2024
If the total of your taxable income and your before-tax contributions is $250,000 or
less, 15% will be applied to contributions up to the before-tax contributions cap of
$27,500 (or up to your unused before-tax contributions cap for the previous 5 years).
If the total of your taxable income and your before-tax contributions is more than
Before-tax $250,000 per year, your before-tax contributions will be taxed at 30%, to that extent.
contribution
Contributions that exceed the cap will be taxed at your personal rate (less a 15% tax
offset), plus an interest charge.
You can choose to withdraw up to 85% of excess contributions, which won’t then count
towards your after-tax limit.
No tax on amounts up to the after-tax contributions cap of $110,000 a year (or up to
$330,000 over 3 years if certain conditions are met).
You can choose to withdraw any excess contributions plus 85% of its earnings. These
After-tax earnings will be taxed at your personal rate (less a 15% tax offset). If you don’t withdraw
contribution the excess contributions, they will be taxed at 47%1 in the Fund.
There may be restrictions on the after-tax contributions you can make if you already
have a very large balance in your super account/s.
Tax on investment earnings: Investment earnings are taxed at up to 15%. This tax is
deducted from the crediting rate that applies to your super, before the earnings are
credited to your account.
Tax on withdrawals: Your super is made up of two components: taxable and tax-free.
There’s no tax payable on the tax-free component. Lump sum withdrawals are generally
tax-free if you’re aged 60 or over. Tax on withdrawals is deducted before you receive
your payment (if applicable).
Tax on taxable component2 if you're under 60

2023/2024 – If you’re between your preservation age and 60, the first $235,000 is tax-free and the
balance is taxed at 17%1.
If you’re younger than your preservation age, your lump sum withdrawal will be taxed at 22%1.

You should read the important information about how super is taxed before making a
decision. Go to Tax and super at australiansuper.com/TaxGuide
You should provide your Tax File Number (TFN). If we don’t have your TFN, your
before-tax contributions and withdrawals are taxed at a higher rate and we can’t accept
after-tax contributions from you. You should read the important information about
providing your TFN before making a decision. Go to australiansuper.com/TFNGuide
The material relating to how super is taxed and providing your TFN may change between
the time when you read this PDS and the day when you acquire the product.

1
Includes the Medicare levy.
2
If your taxable component includes an untaxed element, additional tax may be applied to that element.
10
Are you self-employed?
When you work for yourself, no one else will contribute to your retirement savings but
you. Regular contributions to your super will mean more in retirement, and the earlier you
start, the better off you could be. And the good news is, you may be able to claim your
contributions as a deduction on your income tax return.

How to claim a tax deduction

Most Australians - not just self-employed people - can claim a tax deduction for personal
(after-tax) contributions made into super. If aged between 67 and 74, you'll need to satisfy
the work test or qualify for the work test exemption to be eligible.
To claim a tax deduction for personal contributions, you need to complete a Notice of
intent to claim a tax deduction for personal super contributions form and send it to us.
The amount of after-tax contributions for which you claim a tax deduction will then count
towards your before-tax contribution cap and will be concessionally taxed at 15% within
the Fund.

When to claim
Once you make a contribution, you have until the end of the following financial year to
claim your deduction. But you need to send us your tax deduction claim form before you
submit your tax return to the Australian Taxation Office (ATO).

Example
Jane contributes Jane submits her
$4,000 to her super 2022/23 tax return

30 April 1 July Jane sends her tax deduction 30 June

2023 2023 claim form to AustralianSuper 2024
Jane can submit her tax deduction claim form to AustralianSuper up to 30 June 2024,
but she must submit her claim form before she lodges her 2022/23 tax return.

You also need to send us your tax deduction claim form before:
you leave AustralianSuper
you transfer some or all of your benefit to another super fund
you transfer some or all of your benefit to a retirement income account, or
you split your contributions with your spouse.
Otherwise you may not be able to claim your deduction.
This area of super tax law can be complex. Speaking with a financial adviser may help you
get the full benefit of making personal super contributions.

To learn more about how to claim an income tax deduction for personal super
contributions, go to australiansuper.com/forms

11
8 Insurance in your super
Insurance cover through AustralianSuper is designed to provide a level of protection if
you die, or become ill or injured.
Cover isn’t provided automatically when you join Personal Plan. You can apply for it
anytime.
You can choose the types of cover that’s right for you:
Death cover – can provide a lump sum to your beneficiaries if you die.
Total & Permanent Disablement (TPD) cover – can provide a lump sum payment if you
become totally and permanently disabled and can no longer work.
Income Protection – can provide monthly payments to help you get by if you become
ill or injured (at work or outside of work) and can’t work.
If you have Death or TPD cover you’re also covered for terminal illness. A terminal illness
payment can help ease some of the financial stress if you’re suffering from a terminal
medical condition.
AustralianSuper insurance is provided by TAL Life Limited (the Insurer)
ABN 70 050 109 450 AFSL 237848.

How to apply for cover

You can apply for Death, TPD and Income Protection cover anytime. You’ll need to provide
detailed health information for the Insurer to consider and have enough money in your
super account to cover the cost of your first month of insurance. If your application is
accepted, the cost of your cover will be deducted monthly from your super account from
the later of the date your application is accepted or the date your cover starts.
To apply for cover, log into your account and go to Insurance then Manage insurance or
complete the Change your insurance form at australiansuper.com/InsuranceForms

How much cover can I apply for?

The maximum cover you can apply for is shown in the table below.
Type of cover Maximum cover amount

Death Unlimited
TPD $3 million
1
Income Protection $30,000 a month or 85% of your salary2, whichever is lower

1
If you have Income Protection and you're eligible, your benefit payments will be based on your
pre-disability income and other factors. Benefit payments can’t be greater than 85% of your pre-disability
income (up to 75% is paid to you and up to 10% to your super) and they may be reduced by income
you receive from other sources.
2
Before-tax salary earned from your regular job(s), excluding Superannuation Guarantee (SG)
contributions. If you own a business or aren't an employee, see what salary means for you in
the Insurance in your super guide at australiansuper.com/InsuranceGuide
12
How much does cover cost?
The cost of your cover will depend on the amount and type of cover you apply for, your
age and your individual work rating. Costs are deducted monthly from your super account.
See the Insurance in your super guide for more details.
Insurance costs include costs paid to the Insurer (inclusive of stamp duty). They also
include a cost incurred by the Trustee for administering insurance arrangements, which
amounts to 4.5% of the total weekly cost.
Check how much cover you might need (if any) and what it might cost by using our
calculator at australiansuper.com/InsuranceCalculator
You should read the important information about insurance costs before making a decision.
Go to the Cover amounts and costs section in the Insurance in your super guide
at australiansuper.com/InsuranceGuide The material relating to insurance costs may
change between the time when you read this PDS and the day when you acquire the
product.
Change or cancel your cover anytime
You can apply to change or cancel insurance cover anytime by logging into your account
and going to Insurance, then Manage insurance or completing the Change your insurance
form at australiansuper.com/InsuranceForms
About individual work ratings
A work rating classifies the usual activities of your job into one of three ratings: Blue Collar,
White Collar or Professional. Your individual work rating is one of the factors that
determines how much you pay for your insurance cover.
When you apply for cover, the cost of your cover is based on our default individual work
rating, Blue Collar. Insurance cover with a Blue Collar work rating is the most expensive.
However, if you spend more than 80% of your main job doing clerical or administrative
activities in an office-based environment, and/or aren’t exposed to any unusual hazards
you may be eligible for a White Collar or Professional individual work rating and to pay
less for your cover. Check by answering a few questions at australiansuper.com/
WorkRatingTool

Apply to change your individual work rating anytime. Log into your account and go to
Insurance, then Manage insurance, or complete the work ratings questions in the Change
your insurance form at australiansuper.com/InsuranceForms
Your application is subject to approval by the Insurer.

Transfer cover from another super fund or insurer

You may be able to transfer your cover from another super fund or insurer. For information
about what happens when you transfer your cover and to find out how to apply, see the
Insurance in your super guide.

You should read the important information about insurance before making a decision.
Go to the Insurance in your super guide at australiansuper.com/InsuranceGuide
It details terms and conditions about insurance, including costs, your eligibility for cover,
how much you can apply for, what you’re covered for, when it starts and stops, active
employment, limited cover and exclusions, and your insurance options.
Your eligibility to claim for benefits will be determined by the Insurer in line with the
insurance policy terms and conditions.
The material relating to insurance may change between the time when you read this
PDS and the day when you acquire the product.

13
9 How to open an account
There are two ways you can join us.

Join online Send us an application form

Set up your account the way you Complete the Join AustralianSuper
OR
want – straight away! form provided with this PDS.
Go to australiansuper.com/join

You can change your mind about us

If you’ve chosen AustralianSuper (instead of your employer signing you up) and you
change your mind, a 14 day ‘cooling off’ period applies. This period starts from the earlier
of:
the date we confirm your AustralianSuper account has been established; or
five business days after the date your account with AustralianSuper was established.
If you’d like to cancel your membership during this period, please write to us at
GPO Box 1901, Melbourne VIC 3001 or australiansuper.com/email
If you cancel your membership during this period, we’ll transfer your account to an
approved fund of your choice. Any contributions tax we’ve paid on your behalf will be
deducted beforehand. We’ll also deduct any fees due.
Your account will attract investment returns (positive or negative), in line with how we
apply crediting rates. See australiansuper.com/InvestmentGuide for more details.
Cancelling your membership during this period means you won’t be entitled to any
insurance benefits.

How to make a complaint

We work hard to ensure you won’t have cause to make a complaint, but if you do, you
can discuss it with us by calling 1300 300 273 8am to 8pm AEST/AEDT weekdays or by
emailing your complaint to us at [email protected] or via our website
at australiansuper.com/email
We aim to have all complaints resolved within 45 days. If your complaint isn’t resolved by
our internal complaints procedure within these timeframes you can refer it to the Australian
Financial Complaints Authority (AFCA).
Visit australiansuper.com/contact-us for full details of our complaints process, other ways
you can send through your complaint and AFCA’s contact details.
We respect your privacy
Protecting your personal information is important to us. Our Privacy Policy outlines the
type of information we keep about you. It also explains how we – and any organisations
we appoint to provide services on our behalf – will use this information.
For more information on privacy, go to australiansuper.com/privacy

Temporary residents permanently leaving

If you’re a temporary resident permanently leaving Australia, you have six months to claim
your super from us before we have to transfer it to the Australian Taxation Office (ATO).
Once we’ve transferred your super, you’ll need to contact the ATO directly to claim it. Go
to ato.gov.au
Under Australian Securities and Investments Commission relief, we don’t have to give you
an exit statement if we transfer your super to the ATO in these circumstances.

14
10 Changing jobs
When you change jobs there are good reasons to keep your
AustralianSuper account.
If you start working for an employer, you will be asked to nominate a super fund - if you
don't make a choice and don't have an existing 'stapled' super account, your employer
will choose a fund for you. But why collect a new super fund every time you change jobs?
More funds could mean more fees and extra paperwork.
The right fund can make a real difference to how much you save for your future. So don't
leave your choice up to someone else - keep your super in one fund that you know won't
charge extra fees.

Tell your employer where to contribute

To have your employer contribute to your AustralianSuper account, complete the Pay my
super into AustralianSuper form with this PDS or at australiansuper.com/
ChooseAustralianSuper and email it to your new employer.

Compare your super fund

Compare the costs, services and performance of different super products
using the Super AppleCheck1, an independent online report produced by
Chant West.
You can obtain a comparison report at australiansuper.com/compare

1
Super AppleCheck is provided by independent research consultant, Chant West Financial Services.
While AustralianSuper has paid Chant West a fee for making the service available to you,
AustralianSuper has no influence over the research results and ratings and does not accept responsibility
for any loss or damage caused by the service.
15
We’re here
to help
Call us 1300 300 273
8am to 8pm AEST/AEDT weekdays

Email or message us
australiansuper.com/contact-us

Reader's Digest Most Trusted Brands – Superannuation category winner for 11 years
running 2013–2023, according to research conducted by independent research agency
Catalyst Research. Awards and ratings are only one factor to be taken into
consideration when choosing a super fund.

1265.7 09/23 ISS19

Forms to open and set up
your account
Personal Plan

Many people find it quicker and easier to open their account online at australiansuper.com/join
or you can use these forms to open and get the most out of your account.

I want to…

Join AustralianSuper Complete this form in full to join AustralianSuper.

Pay my super into If you have an employer who makes super contributions for you, complete the
AustralianSuper Pay my super into AustralianSuper form included in this booklet and give it to them.

Complete the Combine your super form to transfer your other super account to
Combine my super AustralianSuper. There are two copies of this form included in this form booklet. If you
into AustralianSuper want to combine more than two accounts into your AustralianSuper account you can
make photocopies of the form or combine online at australiansuper.com/combine

If you need any help to fill out any of these forms, please call us on 1300 300 273 between 8am and 8pm
AEST/AEDT weekdays.

Don’t like forms? Join online at australiansuper.com/join

Privacy Collection Statement

Please read this Privacy Collection Statement to see how AustralianSuper uses your personal information.
AustralianSuper Pty Ltd (ABN 94 006 457 987) of GPO Box 1901, Melbourne, Victoria, 3001, collects your personal
information (PI) to operate, and administer, your super account (including insurance) or retirement income account, improve
our products and services and keep you informed. If we can't collect your PI we may not be able to perform these services.
PI is collected from you but sometimes from third parties like your employer and your financial adviser (if applicable). We
will only share your PI where necessary to perform our activities with our administrator (Australian Administration Services
Pty Ltd, Link Group), service providers, as required by law or court/tribunal order, or with your permission. Your PI may be
accessed overseas by some of our service providers and, where applicable to your circumstances, by third-party service
providers of your financial adviser. Our Privacy Policy details how to access and change your PI, as well as our privacy
complaints process. For complete details go to australiansuper.com/privacy or call us on 1300 300 273.

Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898. 1265.7 PP JOIN 09/23 ISS19
 This page has been left blank intentionally.

Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898.
Personal Plan

Join AustralianSuper
Please complete in pen using CAPITAL letters and print (✗) to mark boxes where applicable.

1 Provide your personal details

Last name Mr Mrs Ms Miss Dr
X X X X X
First name/s

Date of birth Male Female

D D M M Y Y Y Y X X
Tax File Number Existing member number (if applicable)

We’re authorised under super law to collect, use and disclose your Tax File Number (TFN). It's optional to provide
your TFN, but if we have it, we’ll be able to accept all types of contributions from you, you won’t pay more tax than
you need to, and it’ll be easier to find your super. If you transfer your super to another fund, we’ll give them your
TFN unless you tell us not to in writing. Visit australiansuper.com/TFNGuide for more details.

Street address

Suburb State Postcode

Postal address (if different)

Suburb/Town State Postcode

Telephone (business hours) Telephone (after hours) Mobile

Email

If I’ve provided my email address and/or phone number, I consent to AustralianSuper sending me information about my
account, AustralianSuper’s products and services and marketing communications, including third-party products and
services, via email, my account online, SMS, mobile app or phone, as appropriate and in accordance with AustralianSuper’s
Privacy Policy and my existing communication preferences. I understand I can change my communication preferences at any
time by calling AustralianSuper on 1300 300 273 or through the Communication preferences section of my account online.

2 Initial contribution
To join AustralianSuper Personal Plan, please write the amount of your initial contribution below. You can apply for insurance1
at any time as long as you have enough money in your account to cover the cost of your first month of insurance.
Cheques should be made payable to ‘AustralianSuper’ and marked ‘Not Negotiable’.

If you’re transferring super from your other fund, please complete

Transfer amount $
the Combine your super form.
This amount will be treated as a before-tax contribution and will have
Employer contribution $
contributions tax deducted.

Member contribution This amount will be treated as an after-tax contribution.

$

If your spouse is making a contribution for you, your spouse

Spouse contribution $ must complete section 6. This contribution will count towards
your non-concessional contribution cap.

TOTAL $

If you’re under 75 years of age, you no longer need to meet the work test to make or receive member, voluntary employer or
spouse contributions. However, if you’re between 67 and 752 years old, you’ll still be required to meet the work test to claim a
personal super contribution tax deduction. Go to ato.gov.au to learn more.
1
AustralianSuper insurance is provided by TAL Life Limited (the Insurer), ABN 70 050 109 450, AFSL 237848.
2
If you're 75 or older, you can only claim a tax deduction for contributions if made within 28 days after the end of the month you turned 75.

IssuedbyAustralianSuperPtyLtdABN94006457987AFSL233788TrusteeofAustralianSuperABN65714394898.
A Target Market Determination (TMD) is a document that outlines the target market a product has been
designed for. Find the TMDs at australiansuper.com/tmd 1265.7 PP JOIN 09/23 ISS19 page 1 of 3
 3 Your investment choice
When you join AustralianSuper by completing this form, you’ll automatically
be invested in the default Balanced option – our MySuper authorised product. For more information about our
If you’d like to move your money into a different investment option or options, investment options, download
it won’t cost you anything to switch. Just log into your account or the mobile our Investment Guide at
app and click Investments or complete and return the Investment choice form australiansuper.com/InvestmentGuide
available at australiansuper.com/forms

4 Give your financial adviser access to your account details

Completing this section of the form will give your financial adviser and their staff access to your account details.
If you have previously granted a financial adviser access to your account details, providing details of a new adviser here will
remove access for the previous adviser.
Full name of financial adviser1

Name of business

Adviser email address1

Telephone ASIC Financial adviser representative number1 Licensee AFSL number1

1
Mandatory fields

5 Nominate your beneficiaries

Provide details of your legal personal representative or any dependants2 who may be entitled to your super (including any
insurance benefit) if you die. To make your nomination binding, download the Binding death benefit nomination form available
at australiansuper.com/forms

Relationship Benefit
Full name Address
to you proportion %

2
As defined by Superannuation law. Total must add up to 100.00%

When you use this form to nominate beneficiaries, you’re telling us which of your dependants you’d like us to
pay your super (and any insurance benefit) to if you die. We’re not bound by your nomination, but we use this
information as a guide to work out who to pay your benefit to.

6 Spouse contributions
This section must be completed (and signed) by your spouse, if they’re making a spouse contribution for you.
I, (insert full name of contributing spouse)

wish to make a contribution to my spouse’s AustralianSuper Personal Plan account. I declare that:
• I am married to the applicant named in section 1 of this form or live with the applicant on a genuine domestic basis.
• I am aware this contribution will count towards my spouse’s non-concessional contributions cap.
• My spouse and I are both Australian residents.
• I have read the Privacy Collection Statement at the front of this booklet and understand how AustralianSuper will use my
personal information.

Sign here (spouse of the applicant)

Date
D D M M Y Y Y Y
Provided all of the circumstances outlined above remain valid a spouse contribution can continue to be made on behalf of the
member named in this application.

Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898. 1265.7 PP JOIN 09/23 ISS19 page 2 of 3
 7 Options when joining AustralianSuper
Combine your super: to transfer super from your other fund to AustralianSuper, complete the Combine your super form at the
back of this booklet. If you want to transfer insurance cover you have with your other fund, you'll need to transfer it before you
combine your super.
Insurance with AustralianSuper
You can apply for Death, Total & Permanent Disablement (TPD) and Income Protection cover anytime. You may also be able to
transfer existing cover you have from another super fund or insurer.
You’ll need to provide detailed health information for the Insurer to consider as part of your application and have enough
money in your super account to cover the cost of your first month of insurance.
For more information about your eligibility for cover, how to apply for cover and how to transfer cover, read the Insurance in
your super guide for your division at australiansuper.com/InsuranceGuide
Once your account is set up you can apply for cover online by logging into your account and going to Insurance, then Manage
insurance and selecting Change cover.

8 Declaration
This section must be completed.
I declare that:
• My answers and declarations on this application are true and correct.
• I’m aware that a document that outlines the target market each AustralianSuper product is designed for is available at
australiansuper.com/tmd
• I’ve read and understood the Product Disclosure Statement provided with this application.
• As part of my AustralianSuper membership, I agree to abide by and be bound by the Trust Deed and Rules at
australiansuper.com/TrustDeed
• I acknowledge that the information requested on this form (unless otherwise stipulated) is required in order for
AustralianSuper to accept my application for membership and for the ongoing administration of my membership by
AustralianSuper’s fund administrator and other service providers.
• I’ve read the Privacy Collection Statement at the front of this booklet and I understand how AustralianSuper will use my
personal information.
• If I’ve provided my email address and/or phone number, I consent to AustralianSuper sending me information about my
account, AustralianSuper’s products and services and marketing communications, including third-party products and services,
via email, my account online, SMS, mobile app or phone, as appropriate and in accordance with AustralianSuper’s Privacy Policy
and my existing communication preferences. I understand I can change my communication preferences at any time by calling
AustralianSuper on 1300 300 273 or through the Communication preferences section of my account online.
• A photocopy of this authorisation is as valid as the original.
A summary of AustralianSuper’s Privacy Collection Statement is at the front of this booklet. Our Privacy Collection
Statement and Privacy Policy may change from time to time. The latest versions will be available online at
australiansuper.com/CollectionStatement and australiansuper.com/privacy

Sign here
Date
D D M M Y Y Y Y
Print name

Please upload a scanned copy of your completed form

to us via our website at australiansuper.com/email
or post it to AustralianSuper, GPO Box 1901, MELBOURNE VIC 3001
Questions? Call 1300 300 273 or visit australiansuper.com 1265.7 PP JOIN 09/23 ISS19 page 3 of 3
 This page has been left blank intentionally.

Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898.
Pay my super into AustralianSuper
Give this completed form to your employer. Don’t send it to us or the Australian Taxation Office.

Please complete in pen using CAPITAL letters and print (✗) to mark boxes where applicable.

1 Member to complete
Please complete your details below and provide this form to your employer if you want them to pay your super into your
AustralianSuper account.

Employee details

Employee name:

AustralianSuper account name:

Member number: Date of request: D D M M Y Y Y Y

Sign here
Date
D D M M Y Y Y Y
Print name

Give this form to your employer. Don’t send it to us or the Australian Taxation Office.

2 Information for the employer

Your employee has requested you pay their super into their AustralianSuper account. This form is an allowable alternative to
the ATO Superannuation standard choice form.
AustralianSuper is a complying, resident and regulated super fund and can accept all types of super contributions within the
meaning of the Superannuation Industry (Supervision) Act 1993 (SIS Act) and is not subject to a direction under section 63
of that Act. AustralianSuper is a registrable superannuation entity and may be nominated as a default fund, as it meets the
minimum statutory insurance cover requirements. The Trustee of the Fund is AustralianSuper Pty Ltd ABN 94 006 457 987
AFSL 233788.

Fund details
A U S T R A L I A N S U P E R
Fund name:
S T A 0 1 0 0 A U
Unique Superannuation Identifier (USI):
6 5 7 1 4 3 9 4 8 9 8
Australian Business Number (ABN):
1 3 0 0 3 0 0 2 7 3
Fund telephone number:

How to make payments into AustralianSuper

QuickSuper1 is our online payment solution that gives you the choice of making one payment for all your employees —
regardless of the super fund they belong to. It’s suitable for all types of businesses and there is no additional cost to use.
You can register for QuickSuper at australiansuper.com/PaySuper2. You’ll need to have your company details and
AustralianSuper employer number handy. If you don’t have an AustralianSuper employer number, you can join us at
australiansuper.com/join
Employee number if known: Date employee’s request received: Date employee’s request actioned:
D D M M Y Y Y Y D D M M Y Y Y Y

Call us on 1300 300 273 if you need help understanding your employer super obligations or making
payments for your employees.

1
QuickSuper is a registered trademark and a product owned and operated by Westpac Banking Corporation ABN 33 007 457 141. Westpac’s terms
and conditions applicable to the QuickSuper service are available after your eligibility for the clearing house service is assessed by AustralianSuper.
A Product Disclosure Statement (PDS) is available from Westpac upon request. AustralianSuper doesn’t accept liability for any loss or damage
caused by use of the QuickSuper service and doesn’t receive any commissions from Westpac if employers use this service. You can choose to
make your contributions using a different service, but it needs to meet the government’s minimum data standards, visit ato.gov.au
2
 ou can choose to submit your contributions using a different service, but it needs to meet the government’s minimum data standards as
Y
legislated in the Stronger Super reforms. You can find out more by visiting ato.gov.au/Business/Super-for-employers/Paying-super-contributions

1265.7 PP JOIN 09/23 ISS19 page 1 of 1

 This page has been left blank intentionally.

Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898.
Combine your super
Request to transfer (rollover) the whole or a partial balance of your other super account to AustralianSuper
Please complete in pen using CAPITAL letters and print (✗) to mark boxes where applicable. Form must be completed in full.
If you want to combine super from multiple accounts, you'll need to complete a separate form with original signatures for each
account you wish to combine. Alternatively you can combine multiple accounts online at australiansuper.com/combine

1 Fill in your personal details

Last name Mr Mrs Ms Miss Dr
X X X X X
First name/s Date of birth
D D M M Y Y Y Y
Other/previous names

Street address

Suburb State Postcode

Previous street address (if details with your FROM fund are different to those above)

Suburb State Postcode

Telephone (business hours) Telephone (after hours) Mobile

Male Female Email

X X

If I’ve provided my email address and/or phone number, I consent to AustralianSuper sending me information about my
account, AustralianSuper’s products and services and marketing communications, including third-party products and
services, via email, my account online, SMS, mobile app or phone, as appropriate and in accordance with AustralianSuper’s
Privacy Policy and my existing communication preferences. I understand I can change my communication preferences at any
time by calling AustralianSuper on 1300 300 273 or through the Communication preferences section of my account online.

2 Provide super account details

FROM:
X Other super fund
Fund name

Fund phone number Member or account number

Australian Business Number (ABN) Unique Superannuation Identifier (USI)

X Self-managed super fund (SMSF)

SMSF name Australian Business Number (ABN)

Electronic Service Address (ESA)

TO: Fund name Member number Phone number

AUSTRALIANSUPER 1 3 0 0 3 0 0 2 7 3
Australian Business Number (ABN) Unique Superannuation Identifier (USI)
6 5 7 1 4 3 9 4 8 9 8 S T A 0 1 0 0 A U

3 Is this a whole or partial balance transfer?

X Whole – I’d like to transfer the whole balance of this account. This means you’re asking us to close your other super account.
X Partial – I’d like to transfer a nominated amount: $ , , .00

Before combining (consolidating) super from your other super account, you should consider any fees and costs that may apply
and the effect a transfer may have on benefits in your other fund such as insurance cover. If you want to transfer insurance cover
you have with your other super account to AustralianSuper, you'll need to transfer it before you combine your super. Download
an Insurance transfer form at australiansuper.com/InsuranceForms If you wish to claim a tax deduction for personal super
contributions, you must lodge a notice of intent to claim a tax deduction with your other fund, before you combine your super.

Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898. 1265.7 PP JOIN 09/23 ISS19 page 1 of 2
4 Your tax file number
X Use my Tax File Number (TFN) to process my super transfer.

Enter your TFN here

By giving us your TFN, you are authorising us to give this information to your other super fund. They'll confirm your ID with
the Australian Taxation Office. It’s optional to provide your Tax File Number (TFN) but there are several advantages if you do.
See 'Providing your TFN' below for more information.

5 Sign this form

By signing this request form I'm making the following statements:
• I'm aware I may ask my super provider for information about any fees or charges that may apply, or any other information about
the effect this transfer may have on my benefits such as insurance cover, and do not require any further information.
• I discharge the super provider of my FROM fund of all further liability in respect of the benefits paid and transferred to
AustralianSuper.
• I authorise AustralianSuper (or its agents) to contact my other super fund regarding this request to combine my super from that
fund into my AustralianSuper account only.
• I'm aware that once my completed form is received by AustralianSuper, it will usually be processed within three business days.
• I've read the Privacy Collection Statement below and I understand how AustralianSuper will use my personal information.
To the best of my knowledge, the information I have provided on this form is correct.
• If I’ve provided my email address and/or phone number, I consent to AustralianSuper sending me information about my
account, AustralianSuper’s products and services and marketing communications, including third-party products and services,
via email, my account online, SMS, mobile app or phone, as appropriate and in accordance with AustralianSuper’s Privacy Policy
and my existing communication preferences. I understand I can change my communication preferences at any time by calling
AustralianSuper on 1300 300 273 or through the Communication preferences section of my account online.
I request and consent to the transfer of super as described within this form and authorise the super provider of each fund to give
effect to this transfer.
Sign here
Date
D D M M Y Y Y Y
Print name

Important information
1. You can't nominate a balance transfer date. The balance • change the fund to which your employer
transfer will start within three business days of the date pays your contributions
we receive your completed application. • open a new super account, or
2. If you want to transfer any insurance cover you have with your • transfer benefits under certain conditions or
other super fund to AustralianSuper, you’ll need to transfer circumstances, for example if there is a superannuation
it before you combine your super. Download an Insurance agreement under the Family Law Act 1975 in place.
transfer form at australiansuper.com/InsuranceForms Providing your TFN
3. If you're making a whole balance transfer, check any We’re authorised under super law to collect, use and
remaining employer contributions have been received and disclose your Tax File Number (TFN). It's optional to
no future payments will be made into your FROM account. provide your TFN, but if we have it, we’ll be able to accept
4. This form doesn't: all types of contributions from you, you won’t pay more
• transfer super benefits if you don’t know where your super is tax than you need to, and it’ll be easier to find your super.
If you transfer your super to another fund, we’ll give
• transfer benefits from multiple funds on one form – you must them your TFN unless you tell us not to in writing. Visit
use a separate form for each fund you wish to transfer australiansuper.com/TFNGuide for more details.

Privacy Collection Statement

Please read this Privacy Collection Statement to see how AustralianSuper uses your personal information.
AustralianSuper Pty Ltd (ABN 94 006 457 987) of GPO Box 1901, Melbourne, Victoria, 3001, collects your personal information (PI) to
operate, and administer, your super account (including insurance) or retirement income account, improve our products and services
and keep you informed. If we can't collect your PI we may not be able to perform these services. PI is collected from you but sometimes
from third parties like your employer and your financial adviser (if applicable). We will only share your PI where necessary to perform our
activities with our administrator (Australian Administration Services Pty Ltd, Link Group), service providers, as required by law or court/
tribunal order, or with your permission. Your PI may be accessed overseas by some of our service providers and, where applicable to your
circumstances, by third-party service providers of your financial adviser. Our Privacy Policy details how to access and change your PI, as
well as our privacy complaints process. For complete details go to australiansuper.com/privacy or call us on 1300 300 273.

To combine other super accounts into AustralianSuper, go to australiansuper.com/combine

Please upload a scanned copy of your completed form

to us via our website at australiansuper.com/email
or post it to AustralianSuper, GPO Box 1901, MELBOURNE VIC 3001
Questions? Call 1300 300 273 or visit australiansuper.com 1265.7 PP JOIN 09/23 ISS19 page 2 of 2
Combine your super
Request to transfer (rollover) the whole or a partial balance of your other super account to AustralianSuper
Please complete in pen using CAPITAL letters and print (✗) to mark boxes where applicable. Form must be completed in full.
If you want to combine super from multiple accounts, you'll need to complete a separate form with original signatures for each
account you wish to combine. Alternatively you can combine multiple accounts online at australiansuper.com/combine

1 Fill in your personal details

Last name Mr Mrs Ms Miss Dr
X X X X X
First name/s Date of birth
D D M M Y Y Y Y
Other/previous names

Street address

Suburb State Postcode

Previous street address (if details with your FROM fund are different to those above)

Suburb State Postcode

Telephone (business hours) Telephone (after hours) Mobile

Male Female Email

X X

If I’ve provided my email address and/or phone number, I consent to AustralianSuper sending me information about my
account, AustralianSuper’s products and services and marketing communications, including third-party products and
services, via email, my account online, SMS, mobile app or phone, as appropriate and in accordance with AustralianSuper’s
Privacy Policy and my existing communication preferences. I understand I can change my communication preferences at any
time by calling AustralianSuper on 1300 300 273 or through the Communication preferences section of my account online.

2 Provide super account details

FROM:
X Other super fund
Fund name

Fund phone number Member or account number

Australian Business Number (ABN) Unique Superannuation Identifier (USI)

X Self-managed super fund (SMSF)

SMSF name Australian Business Number (ABN)

Electronic Service Address (ESA)

TO: Fund name Member number Phone number

AUSTRALIANSUPER 1 3 0 0 3 0 0 2 7 3
Australian Business Number (ABN) Unique Superannuation Identifier (USI)
6 5 7 1 4 3 9 4 8 9 8 S T A 0 1 0 0 A U

3 Is this a whole or partial balance transfer?

X Whole – I’d like to transfer the whole balance of this account. This means you’re asking us to close your other super account.
X Partial – I’d like to transfer a nominated amount: $ , , .00

Before combining (consolidating) super from your other super account, you should consider any fees and costs that may apply
and the effect a transfer may have on benefits in your other fund such as insurance cover. If you want to transfer insurance cover
you have with your other super account to AustralianSuper, you'll need to transfer it before you combine your super. Download
an Insurance transfer form at australiansuper.com/InsuranceForms If you wish to claim a tax deduction for personal super
contributions, you must lodge a notice of intent to claim a tax deduction with your other fund, before you combine your super.

Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898. 1265.7 PP JOIN 09/23 ISS19 page 1 of 2
4 Your tax file number
X Use my Tax File Number (TFN) to process my super transfer.

Enter your TFN here

By giving us your TFN, you are authorising us to give this information to your other super fund. They'll confirm your ID with
the Australian Taxation Office. It’s optional to provide your Tax File Number (TFN) but there are several advantages if you do.
See 'Providing your TFN' below for more information.

5 Sign this form

By signing this request form I'm making the following statements:
• I'm aware I may ask my super provider for information about any fees or charges that may apply, or any other information about
the effect this transfer may have on my benefits such as insurance cover, and do not require any further information.
• I discharge the super provider of my FROM fund of all further liability in respect of the benefits paid and transferred to
AustralianSuper.
• I authorise AustralianSuper (or its agents) to contact my other super fund regarding this request to combine my super from that
fund into my AustralianSuper account only.
• I'm aware that once my completed form is received by AustralianSuper, it will usually be processed within three business days.
• I've read the Privacy Collection Statement below and I understand how AustralianSuper will use my personal information.
To the best of my knowledge, the information I have provided on this form is correct.
• If I’ve provided my email address and/or phone number, I consent to AustralianSuper sending me information about my
account, AustralianSuper’s products and services and marketing communications, including third-party products and services,
via email, my account online, SMS, mobile app or phone, as appropriate and in accordance with AustralianSuper’s Privacy Policy
and my existing communication preferences. I understand I can change my communication preferences at any time by calling
AustralianSuper on 1300 300 273 or through the Communication preferences section of my account online.
I request and consent to the transfer of super as described within this form and authorise the super provider of each fund to give
effect to this transfer.
Sign here
Date
D D M M Y Y Y Y
Print name

Important information
1. You can't nominate a balance transfer date. The balance • change the fund to which your employer
transfer will start within three business days of the date pays your contributions
we receive your completed application. • open a new super account, or
2. If you want to transfer any insurance cover you have with your • transfer benefits under certain conditions or
other super fund to AustralianSuper, you’ll need to transfer circumstances, for example if there is a superannuation
it before you combine your super. Download an Insurance agreement under the Family Law Act 1975 in place.
transfer form at australiansuper.com/InsuranceForms Providing your TFN
3. If you're making a whole balance transfer, check any We’re authorised under super law to collect, use and
remaining employer contributions have been received and disclose your Tax File Number (TFN). It's optional to
no future payments will be made into your FROM account. provide your TFN, but if we have it, we’ll be able to accept
4. This form doesn't: all types of contributions from you, you won’t pay more
• transfer super benefits if you don’t know where your super is tax than you need to, and it’ll be easier to find your super.
If you transfer your super to another fund, we’ll give
• transfer benefits from multiple funds on one form – you must them your TFN unless you tell us not to in writing. Visit
use a separate form for each fund you wish to transfer australiansuper.com/TFNGuide for more details.

Privacy Collection Statement

Please read this Privacy Collection Statement to see how AustralianSuper uses your personal information.
AustralianSuper Pty Ltd (ABN 94 006 457 987) of GPO Box 1901, Melbourne, Victoria, 3001, collects your personal information (PI) to
operate, and administer, your super account (including insurance) or retirement income account, improve our products and services
and keep you informed. If we can't collect your PI we may not be able to perform these services. PI is collected from you but sometimes
from third parties like your employer and your financial adviser (if applicable). We will only share your PI where necessary to perform our
activities with our administrator (Australian Administration Services Pty Ltd, Link Group), service providers, as required by law or court/
tribunal order, or with your permission. Your PI may be accessed overseas by some of our service providers and, where applicable to your
circumstances, by third-party service providers of your financial adviser. Our Privacy Policy details how to access and change your PI, as
well as our privacy complaints process. For complete details go to australiansuper.com/privacy or call us on 1300 300 273.

To combine other super accounts into AustralianSuper, go to australiansuper.com/combine

Please upload a scanned copy of your completed form

to us via our website at australiansuper.com/email
or post it to AustralianSuper, GPO Box 1901, MELBOURNE VIC 3001
Questions? Call 1300 300 273 or visit australiansuper.com 1265.7 PP JOIN 09/23 ISS19 page 2 of 2