Super for every superwoman

1. Super for every superwoman Presented by Katrina McPhee Senior Superannuation Adviser VicSuper representative

2. This seminar does not take into account your financial situation, objectives or needs. VicSuper recommends you seek professional advice for your own circumstances. This is where we can help you. Contact us today to make a time to see a VicSuper representative. Please read the relevant Combined Financial Services Guide and Product Disclosure Statement which is available at vicsuper.com.au or by calling 1300 366 216 VicSuper Pty Ltd ABN 69 087 619 412 ("VicSuper") is the Trustee of VicSuper Fund ABN 85 977 964 496. The Trustee holds an Australian Financial Services Licence (AFSL 237333) under the Corporations Act 2001 (Cwlth) and a RSE Licence under the Superannuation Industry Supervision Act 1993 (Cwlth). Under its AFSL, VicSuper is licensed to deal in and provide financial product advice on superannuation products. This means that VicSuper advisers can address your super and retirement needs with a focus on superannuation strategies. This advice is limited to VicSuper benefit plans and also extends to ESSS Revised, New SERB and Transport Schemes. This advice does not cover assets and investments external to super or comparisons between super funds. VicSuper representatives are paid salaries by VicSuper. No commissions are payable to or received by VicSuper representatives, any other person or entity or VicSuper itself. VicSuper is not owned, aligned or affiliated with any other institution. VicSuper is the Trustee of the Fund and, as the AFS licensee, is responsible for the advice provided.

3. The projections assume after tax investment returns (above inflation) of 4% pa in the superannuation phase and 4.9% pa in the pension phase. These are the 10-year investment return objectives for the Growth Option, which is VicSuper's default investment option Retirement income is assumed to increase at inflation of 3% pa and salaries are assumed to increase at 4% pa VicSuper's account keeping fee of $78 per annum and the administration fee of 0.28% have been taken into account with the projections and an allowance has been made for the capping of the fee of $1,500 per annum. Insurance premiums and any tax payable on withdrawal (before age 60) have not been taken into account. All figures are in today's dollars. For all projections, it is important to note that this information is predictive in character, may be affected by inaccurate assumptions or by known or unknown risks and uncertainties, and may differ materially from results ultimately achieved. The assumptions for the investment returns are based on modelling by Frontier Investment Consulting Pty Ltd (AFS Licence No. 241266). The wage and inflation assumptions are based on analysis carried out by Russell Employee Benefits Pty Ltd (AFS Licence No. 220705).

4. Session outline 1 2 3 4 5 6 7

5. Think of your last holiday…. How much time did you spend planning and saving to make sure you got the most from your time? If retirement is the longest holiday you’ll take, have you made adequate plans?

6. Types of superannuation funds • Do-it-yourself funds • Industry Super Fund • Public sector employees fund • Defined benefit funds • Retail Master funds • Not for Profit Super Fund

7. Superannuation 101

8. What else should I be thinking about? • Fees • Investments • Insurance • Advice