A member booklet provides members, and prospective members, with important information about the fund. The following booklets, including product disclosure statements (PDSs), outline the main features and benefits of your membership.
It's important that you read the most current version of a document before finalising any decisions about our products or any decisions that may affect your financial future. From time to time we may update the documents below, so it is also important to check our update notices.
Update Notices: We may change the features of the fund as described in the documents below from time to time. We'll notify you of changes that adversely affect you as required by law. If changes aren't materially adverse, we may issue an Update Notice before or after the change instead of updating the document. It’s possible that changes may occur in the future, which may occur without prior notice to you. You should check if any Update Notices have been issued that are relevant to your account in the fund since the date a document was issued.
Information about Accumulate Plus is provided in a Member Guide, also known as a product disclosure statement (PDS), as well as Reference Guides (RGs), which contain additional important information about some topics. Reference Guides form part of, and should be read together with, the Member Guide/PDS.
You should also check if any Update Notices have been issued in relation to the Accumulate Plus documents below since the date they were issued.
Information about Retirement Access is provided in a Member Guide, also known as a product disclosure statement (PDS), as well as Reference Guides (RGs), which contain additional important information about some topics. Reference Guides form part of, and should be read together with, the Member Guide/PDS.
You should also check if any Update Notices have been issued in relation to the Retirement Access documents below since the date they were issued.
Note: A separate RG is not provided for 'Fees and other costs' in Retirement Access – all fees and costs information is contained in the Member Guide (PDS).
Information about Defined Benefit divisions is provided in a Member Booklet. Benefits are different for each division, so please take care to refer to the booklet that relates to you. You should also check if any update notices have been issued for Defined Benefit divisions.
If you are not sure which division you belong to, these overviews may help.
Please contact us for a copy of the member booklet for Divisions CB, CC, CD, CE, CH, CK, CM, CN or CO.