Superannuation – or super, as it’s known – is the taxeffective environment that helps Australians invest in their financial future. It’s the key to a life of financial independence. One of the best things about super is the earlier you start investing, the better. So even if you’re only starting out in the workforce, or you’re 20 years away from retirement, by taking an active interest in your super today you’re in control of what your tomorrows look like. The other great fact about super is that it’s never too late! If you’re still working and earning an income, there are strategies you can put in place for when you’re not.

1. Get to know your super
A guide to help you create wealth
through investing in superannuation

3. 1Suncorp WealthSmart™ – Get to know your super
We’re pretty lucky here in Australia. Apart from our relaxed, outdoor lifestyle and the
beautiful country we live in, we’ve also got some great systems built into our way of
life, that make things better for everyone.
What’s so super about super?
One of those is
superannuation
Superannuation – or super, as it’s known – is the tax-
effective environment that helps Australians invest in
their financial future. It’s the key to a life of financial
independence.
One of the best things about super is the earlier you start
investing, the better. So even if you’re only starting out in
the workforce, or you’re 20 years away from retirement, by
taking an active interest in your super today you’re in control
of what your tomorrows look like.
The other great fact about super is that it’s never too late!
If you’re still working and earning an income, there are
strategies you can put in place for when you’re not.
This workbook will take you on a super journey, to show you
how a little planning now will help you shape the financial
future you want.
Super fact
Your super will probably be the second-largest asset you
accumulate in your lifetime, after the family home.
So it makes sense to get better acquainted with your
super today.

4. 2 Suncorp
Have you got a plan?
Everyone has a different idea of what
life after work looks like – and obviously
this affects how much your retirement
will cost. So, in order to understand
‘how much is enough’ to secure your
financial independence in retirement,
you need to develop a plan to get there.
And remember, even though it might
be a long way off, thinking about – and
planning for – your retirement now is
important, so you can take control and
shape your future.
1 Citibank Retirement Index Number 2, 2006.
2 The Association of Superannuation Funds of Australia, Westpac-ASFA Retirement Living, March Quarter 2010
3 Centrelink rates effective 1 July 2010
4 Melbourne institute of Applied Economics and Social Research, Poverty Lines: Australia, September Quarter 2008
Super vision
What does retirement look like to you? Chances are, it’s
pretty similar to the lifestyle you’re leading now – only you
don’t have to go to work everyday!
Not many people plan on making drastic changes to the
quality of their lifestyle in retirement. And after working hard
for all those years, you certainly don’t want to see the quality
of your lifestyle reduce. But you might be hoping to travel
more, for instance, and that takes some planning.
It’s a little tricky to put an annual dollar value on your
financial independence, but a general rule of thumb is to
take 65% of your current net income. This is because you
will have most likely taken care of large debts and expenses
by retirement, like your mortgage and kids’ school fees. This
figure gives you a lifestyle approximately the same as your
current one, including the luxuries you have in life today –
like dinners at restaurants, trips away and gifts for friends
and family.
Another way to work out how much you’ll need to secure
your financial independence, is by looking at the ‘retirement
lifestyle budget’ on the opposite page. The Association of
Superannuation Funds of Australia (ASFA) suggests that
the cost of a comfortable lifestyle in retirement is $39,159
per annum for a single person and $53,565 per annum for
a couple2
and they’ve broken it down using this budget as
a guide.
Thinking of relying on the Age
Pension to fund your retirement
lifestyle?
In past generations, people relied heavily on the Age
Pension. But today the Age Pension is just $18,229 per
annum for a single person, and $27,482 per annum for a
couple3
– which approximates the poverty line.4
43% of people already retired, say they
need at least as much money, or more,
in retirement as they did when they
were working.1

5. 3Suncorp WealthSmart™ – Get to know your super
Your retirement lifestyle
This is the Association of Superannuation Funds of Australia’s (ASFA) breakdown
of a lifestyle budget once a person has finished working full-time, assuming they’ve
paid off their major debt – the family home. Though it’s important to remember
that this is by no means a financially-carefree lifestyle and budgeting is still
necessary!
ASFA retirement lifestyle budget5
Your lifestyle needs may differ from this sample, but it provides a guide for you to estimate the cost of your retirement lifestyle.
Modest lifestyle Comfortable lifestyle
Weekly outgoings Single Couple Single Couple You
Housing – ongoing only $54.08 $51.91 $62.68 $72.66
Energy $28.81 $38.27 $29.24 $39.65
Food $71.76 $148.65 $102.52 $184.53
Clothing $17.72 $28.77 $38.36 $57.54
Household goods and services $25.73 $34.89 $72.39 $84.80
Health $33.04 $63.77 $65.56 $115.70
Transport $88.31 $90.81 $131.60 $134.10
Leisure $73.72 $109.84 $223.41 $306.16
Communications $9.18 $16.08 $25.24 $32.12
Total per week $402.37 $582.99 $750.99 $1,027.27
Total per year $20,981 $30,399 $39,159 $53,565
Your retirement lifestyle
How much do you think you’ll need for financial independence in retirement? ________________ per annum single / couple.
5 Association of Superannuation Funds of Australia Limited, ASFA/Westpac Retirement Living Standard, March Quarter 2010.

6. 4 Suncorp
Working towards a goal
So you’ve got a lifestyle idea in mind, and an annual goal to help you achieve your
financial independence. Now, it’s easy to work out a super nest egg target.
Looking forward to financial independence
Follow the steps below to calculate your goal for financial independence.
Step Example You
1. Estimate your annual retirement income $40,000
2. Estimate number of years you expect to be in retirement 30
3. Estimated nest egg goal (1 x 2) (30 x $40,000)
Sub-total $1,200,000
4. Estimate any lump sum amounts you may need to make significant
purchases eg new car, holiday house
$100,000
Total nest egg goal $1,300,000
Factor in inflation and
investment returns
Remember how much bread and milk cost when you were
growing up, compared to today? The same rule applies for
financial independence in retirement – the figure you’ve just
calculated is in today’s dollars.
So because you are going to be accessing and using your
super in the future, it not only has to keep up with you, but
also with the escalating costs of living. What you can buy for
$40,000 now is very different from what $40,000 will get
you in 30 years’ time.
Your super fund needs to grow your money at a rate that, at
the very least, is in line with inflation. But don’t forget you’re
not just saving for retirement – your money is invested – and
your nest egg will grow over time.
Your investments will work for you, and the nature of
compound returns should see your nest egg grow towards
your goal.
What are compound returns?
The ‘compounding’ effect is where earnings are paid on
the original invested amount, plus its reinvested returns.
That means if you invest $10 and you get a $2 return, you
re-invest $12 and get returns on that amount, and so on.
Your money grows quickly over time.

7. 5Suncorp WealthSmart™ – Get to know your super
The retirement savings gap
The difference between achieving the kind of lifestyle you imagine, for as long
as you need it, and the kind of lifestyle you’ll be able to afford with your current
savings, is known as the retirement savings gap.
6 Australian Life Tables 2006-2008, ABS
7 Association of Superannuation Funds Australia, ‘How super works; the
facts about super’ www.superannuation.asn.au
Life expectancies are increasing, and many people risk
outliving their savings. Over half today’s 65 year olds will live
to age 85 or more.6
Some people will need to fund 30 or
perhaps even 40 years in retirement.
Many of us have a retirement savings gap because we
are not starting to plan and save early enough and are
not investing enough in our super. The current level of
compulsory employer super contributions in Australia
(super guarantee) is 9% of your base salary. Many finance
specialists believe this should be increased to 15% in order
to ensure a super nest egg that can fund many years in
retirement.
Relying solely on your current compulsory employer super
contributions could leave you short of your goals. This could
force you to rethink your retirement expectations, work
longer, save smarter, or a combination of all of these.
But why take the chance? Being smart with your super now
can help you achieve financial independence.
What is the superannuation guarantee?7
Generally, if you are an employee, your employer will make
contributions directly to your super fund, on your behalf. This
is called the super guarantee. The amount is a minimum of
9% of your before-tax salary, and forms part of your ‘salary
package’.
So, without you having to do much, money is being invested
for your retirement. And don’t forget, that even though you
can’t access it yet, it’s still your money! Take an interest
in where it’s being invested and help shape your financial
future, today.

8. 6 Suncorp
Why super?
Before 1992 superannuation wasn’t
compulsory in Australia, and planning
for your financial future was left up
to individuals and unions to negotiate
with employers. And even though it
meant a drop in lifestyle, many people
relied on the Age Pension to fund their
retirement.
Today, nearly 20 years after the introduction of super
guarantee, Australian workers have more than $1.2 trillion in
superannuation assets.8
We have a ‘three-pillars’ approach
to helping people create financial independence.9
1. Compulsory employer super contributions (super
guarantee)
2. Additional savings and contributions you make to top up
your super
3. A government ‘safety net’ – the Age Pension system
(which is means tested)
So why is super such an effective way to
achieve financial independence?
• The super environment is tax-effective. And the tax
concessions available mean you have more to invest, and
greater potential to grow your nest egg.
• Your money is invested in a fund you can choose, giving
you the freedom to control your money and your financial
independence.
• All amounts withdrawn from super from age 60 (either as
a lump sum or income stream) are tax-free (from a taxed
fund).
• Your money is locked away until your ‘preservation age’,
which provides the benefit of forcing you to save, and
preventing you from dipping into your super account over
the years. And because of the ‘preserved’ nature of super,
what you invest into super today has the potential to grow
exponentially over time.
• Plus, your employer super guarantee is a starting point to
help you invest in your financial independence.
8 APRA, Quarterly Superannuation Performance, March 2010 (issued June 2010), www.apra.gov.au
9 ‘Averting the old age crisis’ – a World Bank Policy Research Report and www.treasury.gov.au

9. 7Suncorp WealthSmart™ – Get to know your super
Your super, your choice
Investment choice
Financial independence in retirement can be achieved
by investing into super earlier, contributing appropriate
amounts, and managing your investment choices. Most
super funds offer you investment choice, which is a hands-
on way to get involved in, and grow, your super.
You can usually choose between five categories of
investment portfolio, typically defined as:
• Secure
• Conservative
• Balanced
• Growth
• High Growth
Choosing the right investment option for your situation and
strategy is vital to ensure your super reaches the growth
potential needed to provide the kind of lifestyle you want.
Your choice of investment portfolio structure could be
determined from several factors, including:
• how far from retirement you are
• how much you are currently saving for retirement
• how much you aim to save
• your willingness to invest in volatile markets (your risk
tolerance).

10. 8 Suncorp
Your risk profile
Before you choose an investment
option, you need to know what type
of investor you are. This is called your
‘risk profile’. All forms of investing carry
some degree of risk, and you should
consider how risk can affect your
investment.
The relationship between risk and return can generally
be defined as:
• the higher the level of risk, the higher the potential
long-term return.
Your risk tolerance
Your tolerance to risk forms part of your risk profile.
Understanding your risk tolerance can help you choose
investments you are comfortable with and that match your
retirement goals. So, consider how much volatility (that is,
the ups and downs of investment markets) you are prepared
to tolerate for future investment gains.
Understanding the asset classes
To understand the risk/return relationship and how it relates
to your investments, it helps to be familiar with the asset
classes that you’re investing in.
Asset classes can broadly be divided into two groups:
growth assets, which include shares and property; and
defensive assets, which include fixed interest and cash.
Cash (defensive asset)
Cash is the most secure of all the asset classes. Returns are
stable, however returns on cash investments alone may not
be enough for you to achieve long-term goals and may over
time become eroded in value by the effect of inflation.
Fixed interest (defensive asset)
Fixed interest is a relatively conservative investment option.
Fixed interest funds generally aim to provide returns higher
than cash, but with a relatively low degree of fluctuations in
capital values.
Property (growth asset)
Property is a growth asset with greater risk of fluctuations
in returns than cash or fixed interest. However, historically,
property has had lower variability in returns than shares.
Shares (growth asset)
Shares represent a part (‘shared’) ownership in a company
and are considered the riskiest of the various asset classes,
as their value tends to fluctuate the most. However,
historically, over the long term, returns from shares have
outperformed those of other asset classes. Share funds can
comprise either Australian or international shares.

11. 9Suncorp WealthSmart™ – Get to know your super
If you understand investment basics, including what to expect from your investments,
you’re more likely to have peace of mind during periods of under–performance.
When you’re investing through super, stay informed and be
confident in your long-term investment strategy, so you don’t
make ‘knee-jerk’ reactions to market fluctuations.
Your financial planner can help you identify your tolerance to
risk and help you choose an appropriate investment strategy
that matches your investment goals.
The following graph illustrates the relationship between risk
and return. Growth assets like shares have the potential to
provide higher returns, but they are also
the most volatile.
Time is your friend
It may seem contradictory, but actually depending on your
age, investment profile, and years to retirement, there can be
risk in choosing an investment portfolio that is too defensive.
If you’re a long way from retirement, the potential long-
term higher returns of a more aggressive portfolio may be
necessary to allow compound interest to fully work for you
and to smooth out market fluctuations over the years, in
order to meet your goals.
Speak to your financial planner about your risk profile and
take an active interest in where your super is invested.
Understanding risk and return
Low HighRISK
High
RETURN
Defensive assets
Growth assets
Cash
Fixed interest
Property
Shares
Your financial planner can recommend
investments to suit your risk profile.

12. 10 Suncorp
Understanding risk and return
Building your portfolio
When it comes to building their portfolio, many people like to
leave the hard work to the experts. But some people prefer
to build their own, by specifically choosing the type and
proportion of each asset class, and choosing different fund
managers across the different asset classes.
Once you and your planner have discussed investing and
your attitude to risk, you may decide to invest via a multi-
manager fund, where a selection of professional investment
managers research and select the underlying investments
for you. Or, you and your planner can build your portfolio
together by choosing the individual investments yourselves.
What about negative returns?
However you build your portfolio, your risk tolerance
will determine where you invest your money. You may
experience periods of negative returns due to market
fluctuations, particularly when you invest in more aggressive
assets. But remember that markets move in cycles, and
generally speaking, the long-term trend of investments has
always been upwards.
Below is a graph of the Australian sharemarket, since
Federation. While there are definite periods of negative
returns (such as the Great Depression, the 1987 market
crash, and the Global Financial Crisis) you can see that
overall, the value has grown over time.
1
10
100
1,000
10,000
Australian Stock Market performance si
Great Depression
Oil S
Stag
1905
WWI
Korean War
Source: Wren Investment Advisers
ALL ORDINARIES INDEX
Index Level 1979=500
Log Index (units on vertical scale represent equal percentage changes)
1910
1915
1920
1925
1930
1935
1940
1945
1950
1955
1960
1965
1970
197
Diversification
A good way to ‘smooth out’ the bumps in your super
returns is to spread your money across a range of asset
classes. This is called diversification, and it’s one of the most
reliable ways to reduce volatility and portfolio risk. Investing
through a multi-manager can be a good way to achieve
diversification.
Australian stock market performance
since 1900
What is multi-manager investing?
Multi-manager funds contain a mixture of asset classes
(like shares, property and cash investments) blended
together to suit the risk profile of their investors. Multi-
manager funds are then invested into multiple fund
managers, and multiple types of investments.
So, by investing through a multi-manger, your portfolio
can be diversified across a combination of fund
managers, asset classes, and also across a wide range of
investments within each asset class.
Whatever you decide when making your investment
choice, work with your financial planner and select an
investment portfolio that is right for you.

13. 11Suncorp WealthSmart™ – Get to know your super
Once you have your investment strategy worked out, it’s time to start thinking about
how you can make the most of your super. The superannuation system in Australia
gives you access to some great tax-effective strategies, so why not make the most
of them to help you grow your nest egg for the retirement lifestyle you want.
No matter what strategies you and your planner implement, the easiest one is also the most effective … and that is: start now!
The ‘start now’ strategy
A regular savings plan is important to ensure you meet your investment goals, and the earlier you start, the better. Regular super
contributions have a compounding effect and all investment returns are re-invested into the super fund, making super a powerful
investment strategy.
Case study – Linda and Sam*
Linda invested $835 per month ($10,020 pa)
for ten years into a growth option in her super
fund. She then stopped contributing and left
her lump sum to accumulate for another ten
years.
Sam however, waited ten years before
starting to invest the same amount over the
next ten years. When they retired in the same
year, Linda’s savings had grown to $338,450
while Sam’s had grown to only $156,768 even
though they had both contributed a total of
$100,200.10
Make the most of your super
10 Assumptions: super fund investments earned 8% pa (net of fees and taxes).
* This general information is an example only and should not be relied on as advice for that particular
person. Each person should consider their own circumstances and seek appropriate advice.

14. 12 Suncorp
As vital as super is, Australians have more than six million unclaimed super accounts
– worth an estimated $13.6 billion.11
For information on tracking down missing super
visit the ATO SuperSeeker website www.ato.gov.au/super
The consolidation strategy
Have you got more than one super account? If you’ve
changed employers, chances are you could have left your
super behind.
You can easily consolidate your super into one account.
Apart from making your life easier (no one needs more
paperwork in their life) there are also financial benefits to
consolidation.
Multiple accounts may mean paying multiple fees, which can
erode your super nest egg. By consolidating your super you
have one set of fees, one lot of admin, one set of investment
decisions, and you have greater control of your funds.
So consolidate your super, sit back and watch it grow.
11 Commissioner of Taxation Annual Report 2008 – 2009, www.ato.gov.au
Remember, you should always discuss your personal
circumstances with a financial planner before taking
action such as moving your super accounts, because
some super funds may charge a termination penalty,
and moving your super may have investment, tax and
insurance implications.

15. 13Suncorp WealthSmart™ – Get to know your super
Case study – Michelle*
Michelle, aged 38, earns $60,000 per annum and wants to boost her
retirement benefits before she retires at 65. She decides to salary sacrifice
$10,000 of her salary into super each year until retirement.
The table below outlines the benefit to Michelle.
The salary sacrifice strategy
Salary sacrificing a portion of your pre-tax salary into your super fund is one of the
most powerful and tax-efficient ways to boost your super account.
When you salary sacrifice into super, instead of paying your regular income tax of up to 46.5% (including Medicare), you will
only pay a super contribution tax of 15% on the contribution amount.12
This tax is deducted within the fund.
So for someone who is on the highest marginal tax rate of 46.5% this is effectively the difference between investing 53.5 cents
in every dollar and 85 cents in every dollar.
12 Provided contribution limits are not exceeded. Penalty tax applies to excess contributions.
13 Assuming 9% super guarantee is paid on $60,000 in both cases
* This general information is an example only and should not be relied on as advice for that particular
person. Each person should consider their own circumstances and seek appropriate advice.
** Includes Medicare Levy and Low Income Tax Offset
Tip - salary sacrifice, and employer super guarantee
contributions are called concessional contributions
because they are taken from pre-tax salary, and are only
taxed within your super fund.
No salary sacrifice Salary sacrifice
Salary $60,000 $50,000
Sacrificed amount $0 $10,000
Super guarantee13 $5,400 $5,400
Contributions tax 15% $810 $2,310
Net super contribution $4,590 $13,090
Total taxable income $60,000 $50,000
Tax** $12,150 $8,600
Net salary $47,850 $41,400
Net benefit (salary + super) $52,440 $54,490
Although Michelle has reduced her annual take-home salary by $6,450 in
the first year, her super balance has increased by $8,500. And remember
this money is invested so will grow over time.
Make super work for you
The Government has limited the amount you can contribute to super
through salary sacrifice and personal contributions. Speak to your planner
before making a contribution as there are tax penalties for exceeding these
limits.

16. 14 Suncorp
Case study – David*
David, aged 35, earns $40,000 per annum. He is considering making a
personal non-concessional contribution to super to take advantage of the
co-contribution. As his income exceeds the lower threshold of $31,920, the
maximum co-contribution he could receive is $731.15
Tip - the ATO website (www.ato.gov.au) has a calculator
to help you determine the amount of co-contribution you
can receive.
The Government will pay $1 into David’s superannuation fund for every
$1 he contributes, up to his maximum $731 co-contribution. Therefore, to
receive a $731 co-contribution into his super account, he needs to make a
personal after-tax contribution of $731. This is effectively a 100% return.
Over the long term, this benefit adds up. Say David contributes $731 and
receives a $731 co-contribution each year for 30 years. He has contributed
a total of $21,930 of his own money. If his super fund earns a net 8% pa
return (after fees and taxes), this amount will grow to $178,870 in 30 years’
time!
Government co-contribution strategy
Employees and self-employed people on low to medium incomes can use
government co-contributions to increase their super. This is another great initiative
to help people invest in retirement, through super.
If you earn less than $31,920 per annum and you make a $1,000 after-tax contribution, the Australian government will contribute
$1,000 to your retirement savings. If you earn between $31,920 and $61,920 you can receive a proportion of the $1,000
government contribution, paid on a sliding scale depending on how much you contribute and how much you earn.14
The after-tax contributions you make, and the co-contributions you receive are not taxed when they are deposited into your
super fund, though earnings are taxed at 15% within the fund. After-tax contributions and the co-contribution will also be
received tax-free when paid out in retirement.
14 Earnings thresholds apply for 2010/11.
15 The government co-contribution reduces by 3.33 cents in every dollar for assessable income, reportable fringe benefits and reportable employer super
contributions over the lower threshold of $31,920 pa.
* This general information is an example only and should not be relied on as advice for that particular person. Each person should consider their own circumstances
and seek appropriate advice.
$20,000
$40,000
$60,000
$80,000
$100,000
$120,000
$140,000
$160,000
$180,000
$200,000
David’s
super
fund
$220,000
Tip - personal contributions you make to your super
from your after-tax salary are called non-concessional
contributions. Earnings on these amounts are taxed at
only 15% within the fund, rather than at your marginal
tax rate.

17. 15Suncorp WealthSmart™ – Get to know your super
Case study – Bruce and Sue*
Bruce and Sue are both aged 40. Bruce is building a good super balance in
his name, but Sue has accumulated very little super as she is a homemaker
caring for their two teenage children. Sue earns less than $10,800 per
annum, so Bruce has been advised to make a spouse contribution of
$3,000 into Sue’s superannuation fund. He can claim a $540 tax offset for
this contribution to reduce his personal tax liability.
This effectively minimises his tax and maximises Sue’s super. The
additional benefit is that the funds accumulate in the concessionally-taxed
super environment. To boost their retirement benefits even further, Bruce
could also invest the $540 tax saving into Sue’s super.
Alternatively, if the couple invested the money in Sue’s name using a
non-super investment (for example, a term deposit or unit trust), Bruce
would not receive the $540 tax offset. Earnings on the investment would
be taxed at Sue’s marginal rate and could affect their access to other tax
concessions.
Spouse contributions to super vs non-super
investment
The real benefit of this strategy comes over time. The graph below
compares Bruce and Sue’s two options over 25 years.
Spouse contributions
A spouse contribution is a super contribution made on behalf of a lower income or
non-working spouse. By making a spouse contribution you may be entitled to offset
up to $540 against the tax payable on your other income. The offset is up to 18% of
the contribution.16
Spouse contribution strategies are most suitable for couples where one spouse earns less than $10,800 per annum in
assessable income (plus reportable fringe benefits and reportable employer super contributions). Some offset is still available if
the spouse earns up to $13,800 per annum.
Assumptions: No tax or fees on the two accounts have been taken into consideration. Super
fund: Total invested: $3,540 each year for 25 years. This is based on an assumption that the
super fund earns 8% pa. Unit Trust: Total invested: $3,000 each year for 25 years. This is based
on an assumption that the unit trust earns 7% pa and all income is reinvested.
1
$5,000
$10,000
$15,000
$20,000
$25,000
$30,000
$35,000
$40,000
$45,000
$50,000
0
Future
value
$55,000
16 Up to a maximum offset of $540 for a $3,000 contribution
* This general information is an example only and should not be relied on as advice for that particular person. Each person should consider their own
circumstances and seek appropriate advice.
Tip - spouse contributions count towards your non-concessional contributions limit, which means penalty tax can apply to
excess contributions. Speak to your financial planner for details, and to make sure you don’t exceed the limits.

18. 16 Suncorp
What next?
Seek advice
Planning for your retirement and working towards financial
independence requires professional advice from a qualified
financial planner, who will understand the complexities of
super and the supporting tax structure.
There are many strategies you can use in various
combinations to ensure that you maximise your super
and your financial independence. Seeking the advice of
a financial planner is the best way to understand and
implement the right combination of strategies for you.
When you are nearing retirement ask your financial planner
for Suncorp’s ‘Thinking about retirement’ guide. It outlines
some tax-effective ‘top up’ strategies specifically for people
in the lead up to retirement, and also helps you determine
the right way to start drawing down on your nest egg, when
it comes time to retire.
Protect your wealth
Protecting your wealth is just as important as growing it.
Have a chat to your financial planner about how insurance
can protect your family’s future. You may even be able to
take out cover through your super fund.
Make sure your super
fund has your tax file
number
Since July 2007, the Government’s changes to the
superannuation rules mean that it’s essential to ensure your
super fund has your tax file number. If it doesn’t, there may
be tax penalties and your fund may not be able to accept
your super contributions.
Wills and estate
planning
It’s not fun to think about, but the last thing any of us want
to do is leave behind uncertainty about the intentions for our
estate. Your financial planner can tell you how to keep your
super fund up to date with your beneficiary nominations, and
can also refer you to a specialist who can organise your will
and manage estate planning issues.
Remember, your super is your key to
financial independence in retirement.
You can’t access it now, but it’s your
money. So get to know your super,
get involved and take control of your
financial future, today.

19. 17Suncorp WealthSmart™ – Get to know your super
Important note
This information is current as at 1 January 2012 and may be subject to change. This information is general advice and doesn’t take into account a person’s
objectives, financial situation or needs. A person should consider the Product Disclosure Statement (PDS) available at www.suncorp.com.au and consider
obtaining financial advice before making any decision about this product. This product is not a bank deposit or other bank liability. Products and services are
provided by different entities in the Suncorp Group and each entity is not responsible for, does not guarantee and is not liable in any respect for products or
services of other Suncorp entities.
Issuer
Suncorp Life Superannuation Limited ABN 87 073 979 530 AFS Licence No 229880. Suncorp Portfolio Services Limited ABN 61 063 427 958 AFS Licence
No 237905 RSE Licence No L0002059.

20. 1485301/01/12A
How to contact us:
Suncorp WealthSmart™
GPO Box 2585
Brisbane QLD 4001
07 3002 3259
@ suncorpwealthsmart@suncorp.com.au
13 11 55 and ask for ‘Super’
suncorp.com.au