Member Guide May 2010

Member Guide
Combined Product Disclosure Statement and

Financial Services Guide effective from January 2011
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788
Trustee of AustralianSuper ABN 65 714 394 898 SPIN STA0100AU
33/50 Lonsdale Street, MELBOURNE VIC 3000
AusstrralianSu
upe
er...w
workiing jusst fo
or you
More than one in ten working Australians enjoy the
unique benefits of AustralianSuper. Our strength, security
and stability help us to achieve better outcomes for the
1.5 million people who trust us with their combined
savings of $32 billion (at 30 June 2010).
About this Member Guide Look for updates online

This Member Guide (Guide) gives general This Guide was correct at the time of release.
information only and doesn’t take into account But some details may have changed since
your particular financial needs, goals, or then. Unless the changes are significant
circumstances. It’s important to read this and may negatively affect members, we
Guide and assess your situation before may not update this Guide to reflect the
making super and investment decisions. changed information. Instead, updates
Speaking to a licensed financial adviser will be published on our website at
may help. www.australiansuper.com
All investments carry some risk. No one should Paper copies of updates will also be available
recommend you join or invest in a super fund free of charge by calling us on 1300 300 273.
(or provide you with any other financial advice)
unless they hold an Australian Financial Services
Licence. Your employer can enrol you with
AustralianSuper when you start your job, so
they can contribute to a super fund for you.
Contact details
Call 1300 300 273 In person –
8.30am to 5.00pm, weekdays
(8.00am to 8.00pm AEST weekdays) Adelaide
Level 2, 104 Frome Street
Brisbane
Level 11, 120 Edward Street
Fax 1300 366 273 Canberra
Unit 6, 33 Allara Street
Darwin
Ground floor, 84 Smith St
Web www.australiansuper.com (hours of operation vary)
Hobart Level 2, 119 Macquarie Street
Secure email www.australiansuper.com/email
Melbourne Level 2, 2 Lonsdale Street
Mail GPO Box 1901, MELBOURNE VIC 3001 Perth Level 2, 12 St Georges Terrace
Sydney Level 5, 477 Pitt Street
Name and contact details of Trustee:

Mail AustralianSuper Pty Ltd Call (03) 8648 3900
33/50 Lonsdale Street Fax (03) 8648 3999
MELBOURNE VIC 3000
AustralianSuper... working just for you
In this Guide
Getting to know AustralianSuper 2
How to join 2 Why super is important
What happens when you join 3 Super may provide you with financial
How your account works 3 freedom when you retire. And the
Your super ‘to-do’ list 4 lifestyle you can afford will all depend
on how much money you save
Increase your super savings 5 for retirement.
Contributions from your employer 5
Super has two unique features
Contributions from you 6
compared with other investments:
Invest your super well 9
The Government encourages
A choice of 16 investment options 9
you to save more for retirement.
Look after yourself and your family 18 So it provides tax breaks and
What we cover 19 other initiatives to boost your
Death and TPD insurance 20 super savings.
Income Protection insurance 27
Nominating beneficiaries 32 Like a piggy bank you can’t open,
super is stored away for when
www.australiansuper.com | 1300 300 273

Pay low fees and charges 33 you need it in retirement.
Changing jobs? 38
Accessing your super 39
More about your super 41
We respect your privacy 41
You can give feedback or complain 42
Financial Services Guide 43
Forms
Membership application
Transfer your old super into AustralianSuper
Boost your super
Choose AustralianSuper nomination
Make an investment choice
Insurance transfer
1
Getting to know AustralianSuper
Super is part of your overall employment package. And choosing the right
super fund is as important as getting the right job. But it’s a choice that many
avoid. To help you, read this Guide to see how AustralianSuper stacks up.
AustralianSuper is an industry fund. This means we have a genuine interest in giving
you the best products and good customer service – all at a reasonable cost.
Our size and strength mean we can negotiate a better deal for you. We’re run only
for the benefit of members, not shareholders or commission-driven sales agents.
To find out how much better off you could be with AustralianSuper, visit
www.australiansuper.com/compare and check how our fees compare to other funds.
Extra information
A summary of everything you need to understand your account is here. But there’s also
extra information available. When you see the symbol throughout this Guide,
this means more information is
available online. For example: For more on taxation, go to
www.australiansuper.com/RefTax
The extra information available is listed below:

• Contributions to your account: www.australiansuper.com/RefContributions
• Our crediting policy: www.australiansuper.com/CreditingPolicy
• Tax on your super: www.australiansuper.com/RefTax
• Socially responsible investing: www.australiansuper.com/RefSI
• Accessing your super benefits: www.australiansuper.com/AccessSuper
• Your insurance options: www.australiansuper.com/RefInsurance
• Our privacy policy: www.australiansuper.com/RefPrivacy
How to join
1. Read this Guide.
2. Fill in the Membership application form in the
middle of this Guide. Already a member?
3. Give the Choose AustralianSuper form in the Just skip to page 4
middle of this Guide to your employer.
2
Getting to know AustralianSuper
What happens when you join
You have a range of options to tailor your super to meet your needs. But if you don’t make
a choice, we’ll look after you with standard arrangements that are designed to meet most
people’s needs.
The standard arrangement on joining Your choices

Contributions – see page 5 for details
Once eligible, your employer will make You may be able to make super contributions
Superannuation Guarantee (SG) contributions from your before-tax or after-tax salary.
of at least 9% of your salary.
Investments – see page 9 for details
We’ll invest your account in the Balanced option You can generally choose from 16 investment
if you don’t choose an investment option. options.
Insurance – see page 18 for details
If you’re under 65 years old you’ll receive You have access to insurance cover of:
Death, Total & Permanent Disablement (TPD) • up to $3 million of TPD cover
and Income Protection insurance.
• up to $50,000 per month of
If you’re between 65 and 70 years you’ll Income Protection cover, and
receive Death insurance.
• there is no maximum for Death cover
How your account works

Super is a flexible and tax-effective way to save for retirement. But like most things financial,
super can be complex. But it’s these tax breaks that make super a better investment for

most people.
We open and set it up Money is and investment You get an

an account based on your added into returns are update every
for you... choices. your account… applied. six months.
You or your • Investment • From your Investment You receive

employer can options employer returns a statement
open a super • Insurance • From you (positive or every six
account for you. options negative) are months,
• From old applied to your which details
super account every the fees
accounts six months. deducted from
your account.
3
Your super ‘to-do’ list
AustralianSuper gives you control over your super
savings. Here are just three things you can do to
make the most of your super opportunities depending
on your situation.
Transfer your old accounts

Having too many super funds could cost you thousands of dollars
in extra fees paid over the life of your super. By combining all your
super in the one account, you’re likely to save money on fees,
remove the hassle of keeping track of several accounts and avoid
unnecessary paperwork.
Fill in the Transfer your old super into AustralianSuper form
in the middle of this Guide, send it in with the right ID and
we’ll handle the rest.
Set up a savings plan

A regular super savings plan may be able to turn relatively small
amounts of money into a lot over time. This is because your
investment returns compound over time – in effect, earning
interest on interest. Plus you could reduce your tax bill or qualify
for a co-contribution reward.
See page 5 for more on how to contribute to your super.
Try out MemberOnline

MemberOnline gives you secure
online access to your account
where you can:
• view contribution records and benefit statements
• update details such as your address or Tax File Number, and
• make after-tax contributions using BPAY® or Postbillpay®.
To try out MemberOnline, use your member

number and the password from your welcome
letter. If this expires, get a new password at
www.australiansuper.com/MemberOnline or call us.
4
Increase your super savings
Contributions are the building blocks of your super. There are different
types of contributions – some made by your employer, others that can
be made by you.
For more on contributions, go to
www.australiansuper.com/RefContributions
Contributions from your employer

The ‘Superannuation Guarantee’ (SG) means employers must contribute at least 9%
of ordinary time earnings into most employees’ super. The salary figure used to work
out SG contributions doesn’t include overtime. As this is the minimum, your award
or employment agreement may mean you receive more than this amount.
Tax on contributions
The tax paid on super contributions depends on your age and the amount contributed
to your account.

Tax
Once you turn 50
Type of contribution If you’re under 50
(until 30 June 2012)
Before-tax (concessional): 15% on amounts up to 15% on amounts up to
any contribution made $25,000 a year $50,000 a year
from your before-tax salary, 46.5%* on amounts more 46.5%* on amounts more
including SG and salary than $25,000 a year than $50,000 a year
sacrifice.
After-tax (non-concessional): 0% on amounts up to $150,000 a year
any contribution made from 46.5%* on amounts more than $150,000 a year
your take-home pay.
If you’re under 65: You can contribute $450,000 tax free
in the first year of a three-year period. But any more
contributions you make in the following two financial
years will be taxed at 46.5%.*
* Including the Medicare levy
5
Contributions from you
If you’re under 65, you can make super contributions from your before-tax or after-tax
salary – depending on which is better for you.
Between age 65 and 75, you need to work at least 40 hours in a period of 30 consecutive
days in a financial year to contribute to super. Once you turn 75, by law you’re unable
to make any extra contributions.
Salary sacrifice from before-tax income

Some employers allow you to make contributions to super from your before-tax salary.
These contributions are called ‘salary sacrifice’ and are taxed at 15%, which is lower than
most people’s marginal tax rate. So for many people on higher incomes, salary sacrificing
to super can effectively turn some of their tax bill into retirement savings.
Example
Before-tax After-tax
($) ($)
Salary package 70,850 70,850
Salary 65,000 65,000
SG contributions 5,850 5,850
Salary sacrifice contributions 2,600 0

($100 per fortnight)
Taxable income 62,400 65,000
– Income tax 13,452 14,325 Adds an extra

$480 to super by
– After-tax contributions 0 1,730 making before-tax
Take-home pay after salary sacrifice
= 48,948 48,945 contributions –
super contribution
while take-home
Total annual super contribution 7,183* 6,703* pay is similar.
* After 15% contributions tax deducted. Tax based on 2009/10 rates, including
Medicare levy and low income tax offset.
Source: AustralianSuper Contributions calculator, July 2009.

Not all employers offer the opportunity to salary sacrifice to all staff, so check if this is available to you.
Making before-tax contributions to super may affect your SG contributions, so also check with your
employer to see how they handle salary sacrifice arrangements.
Find out more about why you should add to your super by visiting
www.australiansuper.com/boost
To make salary sacrifice contributions to super, please speak with your employer.
Use our Contributions calculator at www.australiansuper.com/calculators to see

6 what tax savings or Government co-contribution you could achieve.
After-tax contributions
After-tax contributions are fairly straightforward. It is money you add to super from your
take-home pay.
Government co-contribution
If you earn less than $61,920 a year and you make voluntary contributions to your super
from your after-tax pay, the Government will contribute up to $1,000 into your super
account. This Government payment is called a co-contribution.
Am I eligible?
To qualify for the full $1,000 you need to earn $31,920* or less and pay in $1,000 of your
own money. But you can still get some money from the Government if you earn up to
$61,920* or pay in less than $1,000.
As your income goes up the total the Government will pay you falls, but the Government
still pays up to $1 for every $1 you put in. For example, if you earn $46,920 you only need
to put in $500 to get a Government co-contribution of $500.
Co-contribution ($) for after-tax contribution of…

Your income in 2010/11 ($) $1,000 $500
31,920 or less 1,000 500
35,920 867 500
41,920 667 500
45,920 533 500
51,920 333 333
55,920 200 200
61,920 or more 0 0

At the end of the financial year in which you have made after-tax contributions, all you need
to do is submit your usual income tax return. The Australian Taxation Office will work out
any co-contribution bonus and forward it to your AustralianSuper account.
* The lower and higher income thresholds for co-contributions are indexed and will change from year to year.
You can find the most updated thresholds on our website at www.australiansuper.com/CoContributions
There are lots of ways to make • Cheque/money order: Send the

after-tax contributions to super. enclosed Boost your super form and
payment to AustralianSuper,
• BPAY: Online or over the phone
GPO Box 1901, MELBOURNE VIC 3001
with your financial institution using
the biller code and customer • Cheque/EFTPOS/money order:
reference number in MemberOnline. Bring the enclosed Boost your super
form to our offices.
• Postbillpay: At any Australia Post
office using the billpay code and But you can only make after-tax
reference number in MemberOnline. contributions to your account if we have
• Payroll deduction from your your Tax File Number. You can provide this
after-tax pay: Arrange this with online at www.australiansuper.com/TFN
your employer. or by calling us. 7
Increase your super savings (continued)
Contributions for your spouse

If your de facto or spouse is under 70 If your spouse is already an
years old, you can contribute to their super AustralianSuper member:
account. You may also be able to claim you can make spouse contributions
a tax rebate for these contributions if by completing a Spouse contribution
they earn less than $13,800 a year – work advice form.
conditions apply if they’re between 65 and If your spouse is not a member:
70. For more information, call the Australian they can join the AustralianSuper
Taxation Office on 13 10 20. Personal Plan and you can then use
the Spouse contribution advice form.
You can download the Spouse

contribution advice form and the
Personal Plan Member Guide from
our website or call us for a copy.
‘Making voluntary contributions

is the best way for me to save
for retirement.’
Jasmine Handley, AustralianSuper member
8
Invest your super well
AustralianSuper offers you the choice of 16 investment options.
Choose one investment option, or a combination of the 16 options. So no matter what
your goals are, and how involved you want to be with your super, you can create a
portfolio that meets your needs.
You can invest your existing balance and future
PreMixed
contributions in different ways.
• High Growth
• Invest your existing balance in one or a • Balanced
combination of the investment options. • Sustainable Balanced
• Invest your future contributions, rollovers, • Conservative Balanced
investment returns, or any other additions • Stable
to your account in one or a combination of • Capital Guaranteed
options, except the ASX 200 Shares option.
PreMixed investment options DIY Mix
All our PreMixed investment options are made • Australian Shares
up of a mixture of asset classes, chosen and • International Shares
managed to achieve specified returns and with • Australian Sustainable Shares
different levels of risk. • International Sustainable Shares
• Property

DIY Mix investment options
The DIY Mix options are made up of a single asset
• Australian Fixed Interest
• International Fixed Interest
class. With DIY Mix options you can also select your
• Diversified Fixed Interest
own combination of asset classes to suit you.
• Cash
ASX 200 Shares option
This option allows you, if eligible, to invest up to ASX 200 Shares
50% of your super in a combination of the largest
• Australian shares from the
200 companies listed on the Australian Securities S&P/ASX 200 index
Exchange (ASX).
For details of each option, including potential risk and return, asset mix and past returns,
see pages 10-15.
Not ready to make a choice?

If you don’t make an investment choice your super will be invested in
AustralianSuper’s Balanced option. This is the Fund’s default option for super
members. The Balanced option is diversified to include a range of asset classes
including shares, property, infrastructure, fixed interest and cash. It has been
specifically designed to meet the investment needs of the majority of members.
9
PreMixed investment options
Please note that the asset allocations shown are correct at the time of printing, however the Trustee may
alter the strategic asset allocation or the composition of individual asset classes from time to time to suit
prevailing market conditions.
High Growth Balanced (default) Sustainable Balanced

Investment objective
To outperform (after fees and To outperform (after fees and To outperform (after fees and
taxes) the median growth fund taxes) the median balanced taxes) the median balanced
and CPI1 + 5% pa, over the fund and CPI1 + 4% pa, over fund and CPI1 + 4% pa, over
long-term. the medium to long-term. the medium to long-term.
Investment strategy
An aggressive diversified option A diversified option that invests A diversified option that invests
that invests across most asset across most asset classes, with a across most asset classes with
classes, with a large proportion in large proportion in Australian and a large proportion in Australian
Australian and international shares. international shares, property and and international shares, property
infrastructure. and infrastructure.
This option has a higher allocation This option has a slightly higher
to fixed interest and cash than the allocation to fixed interest and
High Growth option. cash than the High Growth option.
Shares are invested by investment
managers which use environmental,
social and governance
considerations to select stocks.
Strategic asset allocation (asset allocation ranges are shown in brackets)
Australian shares Australian shares Australian shares
Cash 38% [20–50%] Cash 34% [20–45%] Cash 34% [20–45%]
3% [0–10%] 5% [0–15%] 5% [0–15%]
Private equity
7% [0–10%] Fixed interest Fixed interest
11% [0–25%] International 11% [0–25%] International
International shares shares
Infrastructure shares Private equity 20%[10–40%] Private equity 20% [10–40%]
11% [0–30%] 32% [20–50%] 4% [0–10%] 4% [0–10%]
Direct property Infrastructure Direct property Infrastructure Direct property
9% [0–30%] 14% [0–30%] 12% [0–30%] 14% [0–30%] 12% [0–30%]
Plus:
Absolute return strategies (0–10%) Plus: Plus:
Fixed interest (0–20%) Absolute return strategies (0–10%) Absolute return strategies (0–10%)
Risk profile
Minimum investment timeframe
LONG-TERM: If you choose this MEDIUM TO LONG-TERM: If you MEDIUM TO LONG-TERM: If you
option, be prepared to stay invested choose this option, be prepared choose this option, be prepared
in it for more than 5 years before to stay invested in it for more to stay invested in it for more
it meets its objectives. than 5 years before it meets its than 5 years before it meets its
objectives. objectives.
Expected frequency of negative annual return
Approximately 5 years in every 20 Approximately 4–5 years in every 20 Approximately 4–5 years in every 20
Risk classification
HIGH RISK:Returns can fluctuate MEDIUM TO HIGH RISK: Returns MEDIUM TO HIGH RISK: Returns
considerably from year to year. can fluctuate from year to year – can fluctuate from year to year –
either moderately or considerably. either moderately or considerably.
10
The explanation for notes *, 1 and 2 appear at the bottom of page 15.
Strategic asset allocations shown here are current as at 1 November 2010. Please note that the range of
actual asset allocation also appears next to the strategic asset allocation figure.
Conservative Balanced Stable Capital Guaranteed

To outperform (after fees and To outperform (after fees and To guarantee a member’s capital
taxes) the median conservative taxes) the median capital stable and to outperform retail cash
balanced fund and CPI1 + 3.5% pa, fund and CPI1 + 3% pa, over the management accounts by at least
over the medium-term. medium-term. 0.5% pa (after fees and taxes).
Investment strategy
A diversified conservative option A defensive option that invests A defensive option that invests
that invests across most asset across most asset classes, but wholly in a capital guaranteed
classes. This option has a higher mainly fixed interest and cash. fund provided by a life office.
allocation to fixed interest and The invested capital amount is
cash than the Balanced option. guaranteed but the income may
be reduced in the event of poor
investment returns.
Strategic asset allocation (asset allocation ranges are shown in brackets)

Australian shares Australian shares Cash
Cash 24% [10–35%] Cash 14% [0–20%] 50% [0–100%]
15% [0–30%] 30% [0–50%]
International shares
10% [0–15%]
International Direct property

Fixed interest shares 11% [0–15%]
18% [5–30%]

20% [0–30%]
Infrastructure
Infrastructure 9% [0–20%]
12% [0–25%] Direct property Fixed interest Fixed interest
11% [0–25%] 26% [0–40%] 50% [0–100%]
Plus: Plus:
Absolute return strategies (0–15%) Absolute return strategies (0–15%)
Private equity (0–5%) Private equity (0–3%)
Risk profile
MEDIUM-TERM: If you choose SHORT TO MEDIUM TERM: If you SHORT-TERM: If you choose this
this option, be prepared to stay choose this option, be prepared option, be prepared to stay
invested in it for up to 5 years to stay invested in it for up invested in it for 1 to 3 years
before it meets its objectives. to 3 years before it meets before it meets its objectives.
its objectives.
Approximately 4 years in every 20 Approximately 3 years in every 20 Not expected in any 1 year period
Risk classification
MEDIUM RISK: Returns can LOW TO MEDIUM RISK: Returns LOW RISK: Returns will fluctuate
fluctuate moderately from year can fluctuate slightly from year minimally from year to year.
to year. to year.
11
DIY Mix investment options
Australian International Australian
Shares Shares Sustainable Shares
To outperform (after fees To outperform (after fees To outperform (after fees
and taxes) the S&P/ASX 300 and taxes) the MSCI World and taxes) the S&P/ASX 300
Accumulation Index over the All Countries (ex Australia) Accumulation Index over the
long-term. Index over the long-term. medium to long-term.
Investment strategy
To invest in a combination of To invest in a combination of To invest with an active-style
index and active-style managers, index and active-style managers, manager, in a selection of over
in over 300 companies listed on in a selection of over 1,400 300 companies listed on the
the Australian Stock Exchange. companies listed on share Australian Stock Exchange.
markets around the world, The ‘best of sector’ approach is
including emerging markets. taken to selecting the companies,
Currency hedging is not used, according to specific sustainable
meaning the option is fully selection criteria.2
exposed to foreign exchange
movements.
Strategic asset allocation

Australian International Australian
shares 100% shares 100% shares 100%
Risk profile
LONG-TERM: If you choose this LONG-TERM: If you choose this LONG-TERM: If you choose this
option, be prepared to stay option, be prepared to stay option, be prepared to stay
invested in it for more than invested in it for more than invested in it for more than
5 years before it meets 5 years before it meets 5 years before it meets
its objectives. its objectives. its objectives.

Approximately 6 years in every 20 Approximately 6 years in every 20 Approximately 6 years in every 20
Risk classification
Returns can fluctuate
HIGH RISK: Returns can fluctuate
HIGH RISK: HIGH RISK: Returns can fluctuate
considerably from year to year. considerably from year to year. considerably from year to year.
12 The explanation for notes *, 1 and 2 appear at the bottom of page 15.
International Australian
Property
Sustainable Shares Fixed Interest
To outperform (after fees To outperform (after fees To outperform (after fees
and taxes) the MSCI World and taxes) CPI1 + 3% pa and and taxes) CPI1 + 1 to 2% pa
Net Dividend Reinvested the Mercer/IPD Australian and outperform the UBSA
Unhedged Index over the Pooled Property Fund Index Composite All Maturities Bond
medium to long-term. over the medium-term. Index over the medium-term.
Investment strategy
To invest in international shares To invest in a range of property To invest with index and
with an active-style manager, assets in Australia and overseas. active managers in Australian
using a ‘best of sector’ approach Investments are in direct property fixed interest securities (such
to selecting companies, according (not listed on a stock exchange), as inflation-linked bonds
to specific sustainable selection using a variety of specialist and short-term securities).
criteria.2 property investment managers.
Currency hedging is not used,
meaning the option is fully
exposed to foreign exchange
movements.

International Direct property Australian fixed
shares 100% 100% interest 100%

Risk profile
LONG-TERM: If you choose this LONG-TERM: If you choose this SHORT TO MEDIUM-TERM: If you
option, be prepared to stay option, be prepared to stay choose this option, be prepared
invested in it for more than invested in it for more than to stay invested in it for up
5 years before it meets 5 years before it meets to 3 years before it meets
its objectives. its objectives. its objectives.

Approximately 6 years in every 20 Approximately 3–4 years in every 20 Approximately 3–4 years in every 20
Risk classification
Returns can fluctuate
HIGH RISK: HIGH RISK:Returns can fluctuate LOW TO MEDIUM RISK: Returns can
considerably from year to year. from year to year. fluctuate from year to year.
13
DIY Mix investment options (continued)
International Fixed Interest Diversified Fixed Interest Cash
To outperform (after fees To outperform CPI1 + 1 to 2% To outperform (after fees and
and taxes) CPI1 + 1 to 2% pa pa and outperform the return of taxes) CPI1 and match the return
and match the return of the 50% of the UBSA Composite All of the UBSA Bank Bill Index
Citigroup WGB Hedged Index Maturities Bond Index plus 50% of each year.
over the medium-term. Barclays Capital Global Aggregate
Bond Hedged Index over the
medium-term.
Investment strategy
To invest with index managers To invest with a combination To invest with a number of
in international fixed interest of active and index-style managers managers to produce a return
securities (such as inflation- in a range of fixed interest above the official cash rate.
linked, government and non- securities (such as inflation-linked, Investments are mostly in the
government bonds), including government and non-government short-term money market.
emerging markets. bonds, high-yield loans, asset-
Currency hedging is used, backed and short-term securities),
meaning the option is protected in Australia and overseas,
as fully as possible from foreign including emerging markets.
exchange movements. Currency hedging is used,
meaning the option is protected
as fully as possible from foreign
exchange movements.
International fixed Australian fixed
interest 100% interest 50% Cash 100%
International
fixed interest 50%
Risk profile
SHORT TO MEDIUM-TERM: If you SHORT TO MEDIUM-TERM: If you SHORT-TERM: If you choose this
choose this option, be prepared choose this option, be prepared option, be prepared to stay
to stay invested in it for up to stay invested in it for up invested in it for 1–3 years before
to 3 years before it meets to 3 years before it meets it meets its objectives.
its objectives. its objectives.
Approximately 3–4 years in Approximately 3 years in Not expected in any 1 year period.
every 20. every 20.
Risk classification
LOW TO MEDIUM RISK: Returns LOW TO MEDIUM RISK: Returns LOW RISK: Returns will fluctuate
can fluctuate moderately from can fluctuate slightly from year minimally from year to year.
year to year. to year.
14 The explanation for notes *, 1 and 2 appear at the bottom of page 15.
ASX 200 Shares option
If you want to be able to select and monitor the shares in your portfolio,
as well as buy and sell them on up to a weekly basis, our ASX 200 Shares
option offers a high level of control.
Super is a long-term retirement saving investment rather than a short-term investment
vehicle for people who want to try and ‘time’ markets. But many members would like to buy
and hold shares on the Australian Securities Exchange (ASX), selecting their own stocks.
AustralianSuper offers members the ability to invest in one or more companies listed in
the S&P/ASX 200 Index. If you are eligible, (see below), you have the ability to select from
up to 200 companies across a broad range of industries.
Who is eligible? How does it work?
• To invest in the ASX 200 Shares option The value of the money you have in the
you must have a minimum account ASX 200 Shares option will increase or
balance of $10,000 prior to investing. decrease, as the prices of shares you have
• If your employer is a stockbroker, you chosen to invest in increase or decrease. All
will need your employer to sign a Referral shareholdings are held in trust and registered
Agreement, available from AustralianSuper in the name of JP Morgan Nominees Australia
on request, before you can participate in Limited, as AustralianSuper’s custodians.
the ASX 200 Shares option.
See page 35 for the fees and brokerage
How much can I invest? costs for the ASX 200 Shares option.
You can invest up to 50% of your account
Read and agree to the Terms before investing
balance in the ASX 200 Shares option, and
no single stock can make up more than 20% As part of your application to invest in the
of your total account balance. The 50% and ASX 200 Shares option, you must certify
that you have read and agreed to the

20% eligibility requirements are checked
each time a ‘buy’ request is processed. Terms and Conditions listed on pages 30
and 31 of the Investment Choice Guide.
The remainder of your account balance must We recommend you read this guide before
be invested in one, or a combination, of investing in the ASX200 Shares option.
AustralianSuper’s other investment options.
Fill in the Make an investment choice form in the middle of this Guide to choose
how to invest your super or see our Investment Choice Guide available from
www.australiansuper.com/publications for more on your investment options.
Notes to investment options – pages 10 to 14

Strategic asset allocations and other information shown are current as at 1 November 2010.
1
CPI stands for consumer price index which measures the prices at various times of a selected group
of goods and services that typify those bought by ordinary Australian households. It allows
comparisons of the relative cost of living over time, and is used as a measure of inflation.
2
For information on sustainable investing, go to www.australiansuper.com/InfoSI
The Capital Guaranteed option invests through a life office capital guaranteed statutory fund under a
policy issued by AXA Australia. The terms of this policy have the effect that the original capital amount
invested cannot reduce due to poor investment returns and the manager aims to provide
a smoothed investment return. 15
* AustralianSuper returns are after fees and taxes. Benchmark returns are adjusted for fees and taxes.
How our investment options have performed
One year (%) Five years (% pa) Ten years (% pa)
To 30 June 2010
A’Super B’mark A’Super B’mark A’Super B’mark
PreMixed options
High Growth 9.74 10.12 3.49 2.82 4.61 4.02
Balanced 10.06 9.79 4.47 3.45 5.74 4.51
Sustainable Balanced 11.67 9.79 4.02 3.45 n/a n/a
Conservative Balanced 9.71 9.49 n/a n/a n/a n/a
Stable 8.63 8.50 5.10 4.10 n/a n/a
Capital Guaranteed 3.11 2.83 4.53 4.46 4.56 4.28
DIY Mix options
Australian Shares 13.34 12.23 5.17 3.85 8.01 6.26

International Shares 7.50 4.85 0.13 -1.82 -2.44 -4.15
Australian
27.10 11.65 6.12 3.62 n/a n/a
Sustainable Shares
International Sustainable
-1.95 4.06 -4.13 -2.27 n/a n/a
Shares
Property 1.85 2.75 4.31 6.03 6.72 7.50
Australian Fixed Interest 6.55 6.48 4.47 4.98 n/a n/a
International Fixed
6.28 7.60 2.89 5.86 n/a n/a
Interest
Diversified Fixed Interest 9.83 7.89 5.05 5.28 6.00 5.82
Cash 4.22 3.49 5.26 5.27 4.78 5.07
The returns quoted are net of fees and tax. The one-year, five-year and ten-year figures are rolling returns
at 30 June 2010. These historical returns are the combined return information from previous ARF and STA
investment options. Where only one of the merging funds previously offered an equivalent to an option in the
new product suite, the returns of that option have been used. Where both funds offered an equivalent option,
combined returns (asset weighted where possible) have been used. Investment returns are not guaranteed
as all investments carry some risk. Past performance is no guarantee of future returns.
Benchmarks: High Growth – SR50 Median Growth Option. Balanced – SR50 Median Balanced Option.
Sustainable Balanced – SR50 Median Balanced Option. Conservative Balanced – SR25 Median Conservative
Balanced Option. Stable – SR50 Median Capital Stable Option. Capital Guaranteed – UBSA Bank Bill Index
adjusted for fees and tax. Australian Shares – S&P/ASX300 Accumulation Index adjusted for fees and tax.
International Shares – MSCI AC World ex Australia (in $A) Index adjusted for fees and tax. Australian
Sustainable Shares – S&P/ASX300 Accumulation Index adjusted for fees and tax. International Sustainable
Shares – MSCI World Net Dividend Reinvested Unhedged to AUD adjusted for fees and tax. Property – Mercer
Unlisted Property Index adjusted for fees and tax. Australian Fixed Interest – UBSA Composite All Maturities
Bond Index adjusted for fees and tax. International Fixed Interest – Citigroup WGB Hedged Index adjusted for
fees and tax. Diversified Fixed Interest – [50% UBSA Composite All Maturities Bond Index + 50% Barclays Global
Aggregate Index hedged to AUD] adjusted for fees and tax. Cash – UBSA Bank Bill Index adjusted for fees and tax.
16
Investment fees
Investment fees include investment management fees and the Fund’s custodian and asset
consultant fees. Fees paid to investment managers may also include performance fees
when their investment returns exceed agreed benchmarks.
The table below shows a calculation of the annual investment fees for the AustralianSuper
investment options to 30 June 2010.
Investment Investment Total investment
Option costs performance fees costs
(%) (%) (%)
PreMixed options
High Growth 0.68 0.02 0.70
Balanced 0.58 0.02 0.60
Sustainable Balanced 0.72 0.02 0.74
Conservative Balanced 0.49 0.05 0.54
Stable 0.41 0.04 0.45
Capital Guaranteed 0.47 0.00 0.47
DIY options
Australian Shares 0.19 0.04 0.23
International Shares 0.50 -0.06 0.44
Australian Sustainable
0.56 0.00 0.56
Shares
International Sustainable
0.58 0.00 0.58

Shares
Property 0.69 0.03 0.72
Australian Fixed Interest 0.13 0.00 0.13
International Fixed Interest 0.15 0.00 0.15
Diversified Fixed Interest 0.30 0.01 0.31
Cash 0.11 0.00 0.11
Please note: the negative investment performance fee of 0.06% for International Shares was due to the
reimbursement of some performance fees from an International Shares investment manager.
17
Look after yourself and your family
We help to protect you and your family’s financial security with affordable
insurance cover that’s paid from your account.
Most people insure their important assets, like their car or home, but their biggest
asset – their future income – is often left unprotected. The right insurance can protect
your salary against the unexpected, and give you an income if you are temporarily
or permanently unable to work.
AustralianSuper recognises the importance of insurance cover. That’s why we provide
members with affordable Death, TPD and Income Protection insurance.
Cover is provided 24 hours a day, seven days a week – not just when you’re at work – so you
can rest easy knowing you are covered.
In addition, AustralianSuper insurance provides:
• premiums at discounted bulk rates, less than what you may pay as an individual
• hassle-free premium payments, with premiums deducted from your account each month
• an option to increase your cover at any time to suit your needs (you may have to provide
health information to the Insurer).
AustralianSuper insurance is provided by TOWER Australia Limited (the Insurer)
ABN 70 050 109 450 AFSL 237848.
For detailed information on the full terms and conditions of your insurance cover,
please read AustralianSuper’s Insurance Guide. You can download a copy
from our website at www.australiansuper.com/InsuranceGuide or call
us on 1300 300 273 to request a printed copy.
18
What we cover
AustralianSuper provides three types of cover. For a full explanation of all your insurance options,
download a copy of our Insurance Guide from www.australiansuper.com/InsuranceGuide
Death cover
If you die, Death cover provides a lump sum payout to your dependants Find out more
(for example, your children or partner) or your legal personal representative about Death cover
(executor of your estate). Death cover is designed to provide your on pages 20 to 26
dependants with financial support. and 28 to 31.
Total & Permanent Disablement (TPD) cover
TPD cover provides a lump sum payout to you if you become totally and Find out more about
permanently disabled. TPD cover is designed to replace your future income TPD cover on pages
and provide you and your dependants with financial support. 20 to 26 and 28 to 31.
Income Protection
Income Protection insurance helps protect your income if you are unable to Find out more about
work through illness, injury or accident. It provides regular monthly payments Income Protection
for up to two years to help you meet your living expenses. on pages 27 to 31.
Transferring your existing The Occupational Rating Wizard at

insurance cover www.australiansuper.com/calculators can
help you to work out which group you are in.
You may be eligible to transfer your
existing Death, TPD or Income Protection If you don’t make a choice on your application
cover from your individual insurance or form when you join AustralianSuper, your
employer sponsored super arrangement occupational rating will be Standard.
to AustralianSuper.

To transfer your existing cover to
AustralianSuper, please complete the
Insurance transfer form in this Guide You pay for your insurance
and provide the required documents.
cover using your super
Occupational ratings – do you An added benefit of insuring your
work in an office job that doesn’t income through AustralianSuper
involve manual labour? compared with obtaining your own
insurance from an insurance company
You could pay less or get higher Death, is that you can use your super to pay
TPD or Income Protection cover if your work the costs.
is classified as Low Risk or Professional.
This mainly means if you spend at least
80% of your time in an office environment
(excluding travel from one job to another)
and don’t do any manual work.
19
Death and TPD insurance You will keep the number of units you are
provided when you first join unless you
Insurance for Death and TPD is choose to change your cover. However, if
designed to provide financial support you turn 21 while you are a member, your
if you die or become totally and cover will increase to three units of Death
permanently disabled. and TPD cover, unless you have previously
Cover is available for: changed your level of cover.
• Death – from 15 to 70 years of age When cover starts
• TPD – from 15 to 65 years of age. Your cover starts when you join your
employer or the start of the period for which
Cover when you join your first on-time employer contribution
When you first join an AustralianSuper is received (whichever is later).
employer and become a member of the
Fund, you are provided with Death and TPD Choosing units of cover
cover once we receive your first employer or fixed cover
contribution provided you are in active
When applying for Death and/or TPD
employment. If you’re not in active
cover, you can choose between units of
employment on the date your cover starts
cover or fixed cover, but you cannot have
with us, your cover may be limited. See
a combination of both.
pages 28 and 29 for more information about
active employment and limited cover. The Switching between units of cover
level of cover that applies to you will be based and fixed cover
on your age when you become a member. You can switch between units and fixed
This cover is designed to provide you with cover at any time.
a basic level of protection if you die or Download a copy of our Insurance Guide from
become totally and permanently disabled. www.australiansuper.com/InsuranceGuide
The table below shows how many units of or call us for more information.
cover are provided for your age when you join: 1. Units of cover
With units of cover, your amount of cover
Death
decreases as your age increases, but the
Your age cover TPD cover
amount you pay remains the same. When
when you join (number (number
you join, your Death and/or TPD cover is
AustralianSuper of units) of units)
provided in units. If you apply to change your
15 – 20 1 3 cover on the Membership Application form,
21– 49 3 3 your cover will change to fixed cover.
50 – 54 3 3
Please refer to page 22 for the amount
55 – 64 3 3
of cover provided by a unit.
65 – 69 3 0
When you join your Occupational Rating will

be Standard.
20
2. Fixed cover
With fixed cover your cover stays the same but as you get older, the costs you pay will
increase each year. Fixed cover is available in multiples of $1,000.
When you turn 61, your TPD cover will be reduced each year until you get to 65, when it will
reach zero. But the amount you pay for your cover will stay the same. The following table
shows your level of cover at these ages.
% of original TPD
Your age
cover amount
60 100%
61 80%
62 60%
63 40%
64 20%
65 0%
What is the cost of Death and TPD cover?

The cost of your cover will depend on whether you have units of cover or fixed cover.
Cost per unit of cover

With units of cover, you pay a set price for each unit of cover you have. The following
table shows the premium cost per week for a unit of cover.
Type of cover Weekly cost per unit of cover

Death $0.491
TPD $0.509
Example
Michael has 3 units of Death cover and 4 units of TPD cover. So the cost for his cover is:
Death cover is 3 units x $0.491 = $1.48 per week
TPD cover is 4 units x $0.509 = $2.04 per week
Michael’s total weekly premium will be rounded up to the nearest whole cent.
See Table 1 on page 22 for the value of a unit of cover, depending on your age.
21
Table 1: Death and TPD insurance – one unit of cover
Current Occupational rating
age Standard Low Risk Professional
15 $47,600 $100,000 $105,800
16 $47,600 $100,000 $105,800
17 $47,600 $100,000 $105,800
18 $47,600 $100,000 $105,800
19 $47,600 $100,000 $105,800
20 $47,600 $100,000 $105,800
21 $47,600 $100,000 $105,800
22 $47,600 $100,000 $105,800
23 $47,600 $100,000 $105,800
24 $47,600 $100,000 $105,800
25 $55,600 $100,000 $118,000
26 $55,600 $100,000 $118,000
27 $55,600 $100,000 $118,000
28 $55,600 $100,000 $118,000
29 $55,600 $100,000 $118,000
30 $55,600 $100,000 $113,000
31 $53,700 $98,000 $108,900
32 $52,600 $95,600 $106,200
33 $51,600 $91,900 $102,100
34 $48,900 $90,000 $100,000
35 $48,100 $85,600 $95,100
36 $47,700 $84,400 $93,900
37 $47,000 $83,200 $92,500
38 $46,500 $82,300 $91,400
39 $44,300 $81,400 $90,500
40 $41,400 $77,400 $86,100
41 $37,400 $70,200 $78,000
42 $35,200 $63,600 $70,700
43 $33,200 $61,800 $68,800
44 $29,900 $58,100 $64,600
45 $26,200 $49,700 $55,200
46 $23,200 $43,500 $48,100
47 $21,700 $41,100 $45,400
48 $20,200 $38,700 $42,100
49 $18,500 $36,200 $39,100
50 $16,800 $33,100 $35,800
51 $15,000 $30,800 $32,100
52 $13,300 $28,300 $29,500
53 $12,600 $26,000 $27,100
54 $10,700 $23,600 $24,600
55 $8,900 $21,200 $22,100
56 $7,400 $18,800 $19,400
57 $7,000 $16,500 $17,000
58 $6,600 $14,100 $14,700
59 $5,700 $11,700 $12,700
60 $5,700 $9,900 $11,000
61 Death $5,700 TPD $4,560 Death $9,900 TPD $7,920 Death $11,000 TPD $8,800
65–69 Death only $5,700 Death only $9,700 Death only $10,800
22 70 $0 $0 $0
Cost of fixed cover
With fixed cover, you select the amount of cover you want and multiply the amount
by the premium cost.
The formula to calculate the cost of Death or TPD cover is:
How much cover you want ÷ 10,000 x the relevant premium rate for your age = weekly
premium cost
Example
Peter is aged 27. He wants $150,000 Death cover and $300,000 TPD cover. Peter’s job
involves manual labour, so his occupational rating is Standard.
Peter’s weekly cost for Death cover is:
The cover he wants of $150,000 ÷ 10,000 x the premium of $0.088 = $1.32 per week
Peter’s weekly cost for TPD cover is:
The cover he wants of $300,000 ÷ 10,000 x the premium of $0.092 = $2.76 per week
See Table 2 on page 24 for the weekly cost for $10,000 of fixed Death and TPD cover
based on your age last birthday and your occupational rating.
‘AustralianSuper insurance
gives me and my family
financial peace of mind.’
Maureen Gruppillo, AustralianSuper member
23
Table 2: Fixed cover premium rates (weekly cost per $10,000)
Occupational rating
Current Standard Low Risk Professional
age
Death TPD Death TPD Death TPD
15 0.103 0.107 0.049 0.051 0.046 0.048
16 0.103 0.107 0.049 0.051 0.046 0.048
17 0.103 0.107 0.049 0.051 0.046 0.048
18 0.103 0.107 0.049 0.051 0.046 0.048
19 0.103 0.107 0.049 0.051 0.046 0.048
20 0.103 0.107 0.049 0.051 0.046 0.048
21 0.103 0.107 0.049 0.051 0.046 0.048
22 0.103 0.107 0.049 0.051 0.046 0.048
23 0.103 0.107 0.049 0.051 0.046 0.048
24 0.103 0.107 0.049 0.051 0.046 0.048
25 0.088 0.092 0.049 0.051 0.041 0.044
26 0.088 0.092 0.049 0.051 0.041 0.044
27 0.088 0.092 0.049 0.051 0.041 0.044
28 0.088 0.092 0.049 0.051 0.041 0.044
29 0.088 0.092 0.049 0.051 0.041 0.044
30 0.088 0.092 0.049 0.051 0.044 0.045
31 0.091 0.095 0.050 0.052 0.045 0.047
32 0.093 0.097 0.051 0.054 0.046 0.048
33 0.095 0.099 0.054 0.055 0.048 0.050
34 0.100 0.104 0.054 0.057 0.049 0.051
35 0.102 0.106 0.057 0.060 0.052 0.053
36 0.103 0.107 0.058 0.060 0.052 0.054
37 0.104 0.109 0.059 0.061 0.053 0.055
38 0.106 0.109 0.060 0.061 0.054 0.056
39 0.111 0.115 0.060 0.063 0.054 0.056
40 0.119 0.123 0.063 0.066 0.057 0.059
41 0.131 0.136 0.070 0.072 0.063 0.065
42 0.139 0.145 0.077 0.080 0.069 0.072
43 0.148 0.153 0.079 0.083 0.071 0.075
44 0.164 0.171 0.084 0.088 0.076 0.079
45 0.187 0.195 0.099 0.102 0.089 0.092
46 0.212 0.219 0.113 0.117 0.102 0.106
47 0.226 0.235 0.119 0.124 0.108 0.112
48 0.243 0.252 0.127 0.131 0.117 0.120
49 0.265 0.276 0.136 0.140 0.126 0.130
50 0.292 0.303 0.148 0.154 0.137 0.142
51 0.327 0.340 0.159 0.166 0.153 0.159
52 0.369 0.383 0.174 0.179 0.166 0.173
53 0.390 0.404 0.189 0.196 0.181 0.188
54 0.459 0.476 0.208 0.216 0.200 0.207
55 0.552 0.571 0.232 0.240 0.222 0.231
56 0.664 0.687 0.261 0.271 0.253 0.262
57 0.701 0.728 0.298 0.308 0.289 0.299
58 0.744 0.771 0.348 0.361 0.334 0.346
59 0.861 0.893 0.420 0.435 0.387 0.400
60 0.861 0.893 0.496 0.514 0.446 0.463
61 0.861 0.893 0.496 0.514 0.446 0.463
62 0.861 0.893 0.496 0.514 0.446 0.463
63 0.861 0.893 0.496 0.514 0.446 0.463
64 0.861 0.893 0.496 0.514 0.446 0.463
65 0.861 n/a 0.506 n/a 0.455 n/a
66 0.861 n/a 0.506 n/a 0.455 n/a
67 0.861 n/a 0.506 n/a 0.455 n/a
68 0.861 n/a 0.506 n/a 0.455 n/a
69 0.861 n/a 0.506 n/a 0.455 n/a
24 Total weekly premium will be rounded up to the nearest whole cent.

What’s covered? If you are employed, or you’ve
Our Insurer will consider a claim in the event been unemployed for less than
of your death or if you’re terminally ill or 12 months, prior to the date
totally and permanently disabled if, while you’re disabled:
you were insured, something happens that
results in one of the following situations. Option 1:
You’re unable to work in any occupation
Terminal illness
As a result of illness or injury, you have been
The amount you’ll receive if you’re diagnosed continuously absent from employment for
with a terminal illness is the greater of your at least three consecutive months starting
Death cover or your TPD cover. before you turn age 65. And – after the
For more information about terminal illness Insurer reviews medical and other evidence
and the full definition of when you may be – they believe you’re unlikely ever to be able
able to receive a terminal illness insurance to engage in any regular paid work for which
benefit, see our Insurance Guide. you are reasonably suited by education,
training or experience.
Loss of limbs or sight A detailed description of what ‘any
occupation’ means is in our Insurance Guide.
You’ve suffered:
• the loss of use of two limbs Option 2:
• the complete and permanent loss of sight You suffer from certain medical
in both eyes, or conditions
• the loss of use of one limb and the If you suffer from one of a number of
complete and permanent loss of sight medical conditions and you don’t meet
of one eye. the definition of terminal illness, you may
By limb, the Insurer means at least an entire be eligible to receive a payment if your

hand or foot. condition is so severe that you are no longer
able to work.
For example, if you suffer from multiple
sclerosis or major head trauma – or one
of a range of other conditions.
See our Insurance Guide for more details
and the full list of medical conditions.
25
You’re no longer able to do simple If you’ve been performing full-
work tasks: time unpaid domestic duties just
If prior to the date you become disabled prior to the date you become
you haven’t worked for 12 months or more disabled, and:
and you’ve become so disabled by bodily • you’ve been unable to perform your
injury or illness that the Insurer is satisfied unpaid domestic duties for at least three
that you’ll never be able to perform at least consecutive months before you turn
two of the following five everyday working 65 and in the Insurer’s opinion, after
activities without someone else’s help, consideration of medical and/or other
despite the use of appropriate assistive aids: evidence, you’re incapacitated to such
• Mobility an extent that it is unlikely that you’ll ever
be able to engage in your unpaid domestic
• Communicating
duties again, or in any other occupation
• Vision
for which you’re reasonably suited by
• Lifting education, training or experience, and
• Manual dexterity. • you’re so incapacitated that you can’t leave
More detail about what’s involved with each your home without someone else’s help.
activity is listed in our Insurance Guide.
Permanent inability must have lasted for
a continuous period of six months or more,
and it is unlikely you will ever return to
gainful employment.
‘It’s a good feeling knowing I’m

covered 24 hours a day, 7 days a
week, even when I’m not at work.’
Domenico Gullaci, AustralianSuper member
26
Income Protection insurance
Income Protection insurance helps protect your income if you are disabled
and unable to work through illness, injury or accident.
Income Protection cover is provided in units. In the event of temporary disability, each unit
of Income Protection cover provides a benefit of $500 a month (before-tax), and is payable
for up to two years. The maximum amount you can be paid is 85% of your salary, with 75%
being paid to you and 10% going into your super account. You can choose either a 30 day
or 60 day waiting period.
Cover when you join AustralianSuper

When you first join AustralianSuper, you are provided with the default level of Income
Protection cover and your Occupational Rating will be Standard. The waiting period for
default cover is 60 days. The level of Income Protection that applies to you will be based
on your age when you join AustralianSuper. The following table shows how much cover
is provided based on your age when you join:
Your age when you Income Protection cover Amount of monthly

join AustralianSuper (number of units) Income Protection cover
15 – 20 4 $2,000
21– 49 6 $3,000
50 – 54 5 $2,500
55 – 64 4 $2,000
65 – 69 0 $0
You will keep the number of units you were provided with when you first joined unless you
choose to change your cover. However, if you turn 21 while you are a member, your cover

will increase to six units of Income Protection cover unless you have previously changed
your level of cover.
When cover starts
If you qualify for default Income Protection, your insurance will start when you join your employer
or the start of the period for which your first on-time contribution is received (whichever is later).
27
What is the weekly cost of Income Protection cover?
The table below shows the weekly cost of a unit of Income Protection cover based on your
current age, waiting period and your occupational rating.
Occupational rating
Current
30 day waiting period 60 day waiting period*
age
Standard Low Risk Professional Standard Low Risk Professional
up to 20 0.329 0.215 0.179 0.161 0.068 0.053
21 – 24 0.329 0.215 0.179 0.227 0.097 0.076
25 – 29 0.329 0.215 0.179 0.227 0.091 0.072
30 – 34 0.400 0.265 0.221 0.247 0.118 0.086
35 – 39 0.529 0.343 0.286 0.315 0.168 0.112
40 – 44 0.714 0.466 0.386 0.482 0.248 0.187
45 – 49 0.965 0.636 0.529 0.769 0.395 0.296
50 – 54 1.365 0.879 0.737 0.927 0.638 0.449
55 – 59 2.008 1.258 1.051 1.158 0.770 0.523
60 – 64 2.159 1.579 1.315 1.158 0.889 0.603
Total weekly premium will be rounded up to the nearest whole cent.
*The default waiting period is 60 days, see page 15 of the Insurance Guide for more information on waiting periods.
Example
Depending on the waiting period, the costs to cover a salary of $60,000 for a 32-year-old
using the Standard occupational rating would be:
• $51,000 (85% of annual salary) ÷ 12 = $4,250 monthly salary
• $4,250 (monthly salary) ÷ $500 (per unit of cover) = 8.5 units
After rounding this up to 9 units – to get the maximum level of cover – the cost would be:
• 30 day waiting period: 9 units x $0.40 = $3.60 per week
• 60 day waiting period: 9 units x $0.247 = $2.23 per week
Conditions of Death, TPD

What does active
and Income Protection cover
employment mean?
Your Death, TPD and Income Protection
cover may be limited. Limited cover means Active employment means you’re
that you won’t be covered for any pre- employed and able to perform the
existing conditions. duties of your occupation, without
restriction due to injury or illness,
But you will be covered for claims arising on a full-time basis (30 hours per
from an illness which first became apparent, week) even if you’re not employed
or an injury which first occurred, on or after on a full-time basis.
the date that your cover started, was
reinstated or was increased. If you’re working and you don’t meet
this requirement, other conditions apply
as detailed in our Insurance Guide.
28
Limited cover will apply if: You can find the full list of these
circumstances in our Insurance Guide.
• you’re not in active employment on
the date your cover starts with us: How long you’re covered for
limited cover will end once you return
Insurance cover is tied to us receiving
to active employment.
regular super contributions for you from
• you’ve previously received a TPD
your employer. Insurance for Death, TPD
payment from us, another super fund
or Income Protection will stop on the earlier
or insurance policy: your cover will be
of the following:
limited as long as you’re a member of
• your death (for TPD and Income
AustralianSuper.
Protection cover).
• you’ve joined more than six
• you reach age 65 (for TPD and Income
months after starting work with an
Protection cover) or age 70 (for Death cover).
AustralianSuper employer: limited
cover will apply for at least 12 months. • your AustralianSuper membership ends.
This will end once you’re in active • 13 months after the end of the month
employment after the 12 month period. for which your last on-time employer
• you’ve been unable to work for a total contribution was received, unless you
of four or more weeks in the previous choose to continue Death cover when
12 months because of illness or injury: we write to you, in which case your Death
limited cover will end once you return cover will continue until it ceases under
to active employment for two another of these conditions.
consecutive months. • you join the armed forces of any country
• you apply for increased cover due to a other than the Australian Armed
life event: limited cover will apply for two Forces Reserve.
years. This will end once you are in active • the date we receive your written request
employment after the end of the two years. to cancel your insurance cover.
• the date an insured TPD benefit becomes

In addition, if your cover is limited because
payable to you. However your Income
you’ve joined more than six months after
Protection benefit will continue if
starting work with an AustralianSuper
applicable. Your Death cover will reduce
employer, no benefit will be payable to you
by any TPD amount paid.
in the first 12 months of cover if you:
• an insured Death or Terminal Illness
• commit suicide benefit becomes payable from the
• suffer from a terminal illness as a result Insurer. To find out more, see our
of harming yourself on purpose, or Insurance Guide.
• become totally and permanently disabled • the end of the week in which you have
as a result of harming yourself on insufficient account balance to pay the
purpose (for example, attempted suicide). insurance premiums.
An Income Protection insurance benefit • the date you transfer your cover
won’t be paid in certain circumstances. to another fund or division.
For example, if a sickness, injury or medical • the date the policy is terminated
condition is directly or indirectly caused by or cancelled for any reason.
an intentional self-inflicted injury or infection
If for any reason no insured benefit is
or suicide attempt, war or act of war, normal
payable, then any benefit paid to you will
pregnancy or childbirth.
consist solely of your account balance. 29
To find out more, see our Insurance Guide.
Changing your Death, TPD and Income Protection cover
You can apply to increase your cover. Or, you may wish to reduce or cancel your cover.
To help you calculate the level of insurance cover that will best suit your needs,
visit www.australiansuper.com/calculators
Increasing your cover without providing medical evidence

Normally when you apply for more insurance, your application is assessed by the Insurer,
and you may have to provide extra health information. But there are two instances where
this won’t apply:
When you first join AustralianSuper
When you first join AustralianSuper, you may apply to increase your cover up to certain
limits and change your Income Protection waiting period to 30 days without providing
medical evidence and having your application assessed by the Insurer. To apply for more
cover you need to complete the Membership application form. The amounts you can
increase your cover to without having to provide medical evidence are:
Type of cover Maximum amount of cover that is available
$1.5 million
Death and/or TPD cover (Cover above $600,000 will be limited to $1.5 million or 10 times
your salary*, whichever is lower.)
Up to $20,000 per month

Income Protection (40 units) or 85% of your salary*, whichever is lower.
You can change your waiting period from 60 days to 30 days.
*Salary is your current gross annual (before-tax) salary, excluding employer super contributions.
If you want to increase your Death, TPD and Income Protection cover above these
amounts, please read our Insurance Guide.
30
Change your cover when your life changes
If your personal or financial situation changes, then you may need to change your insurance.
Marriage, children or buying a home are all reasons to review your insurance cover. When
one of these Life Events occurs, in most cases you can apply to increase your cover up
to certain limits without providing medical evidence or having your application assessed
by the Insurer.
See our Insurance Guide for more details about Life Events cover.
Increasing your cover at any time

At any other time, you can apply to increase your cover or change your Income Protection
waiting period to 30 days, but your application will be assessed by the Insurer and you will
need to complete a Personal Statement and/or provide health information. The maximum
cover you can apply for is:
Type of cover Maximum amount of cover that is available

Death No maximum
TPD $3 million
Income Protection $50,000 per month*
*Salary is your current gross annual (before-tax) salary, excluding employer super contributions.
To change your cover, please read our Insurance Guide.
Reducing or cancelling your cover

You can reduce or cancel part, or all, of your cover at any time. If you cancel your cover and
decide to apply for cover in the future, you will need to supply medical evidence as part of
your application, and your application will be assessed by the Insurer.

To change your cover, please read our Insurance Guide.
‘Insurance is important for me –

and my family.’
Josifovski Mitro, AustralianSuper member
31
Nominating beneficiaries To nominate beneficiaries:
please complete that section of
Leaving clear instructions about what your Membership application form.
happens to your super if you die can
make it easier for your loved ones.
To make your nomination
Providing guidance to us binding: please complete the
Binding death benefit nomination
By nominating beneficiaries, you’re telling
form, which you can download from
us who you’d like us to pay your super
www.australiansuper.com/forms
to if you die. We take these beneficiaries
or call us for a copy.
into account when determining who your
benefits are paid to, but will also consider
other people, depending on your situation
when you die.
Turning guidance into instruction
If you want to make sure the beneficiaries
you nominate are the only people to receive
a share of your super, then you can make
a ‘binding nomination’. This means that we
will be bound to pay the people you have
nominated, in the proportions you have
nominated, as long as your nomination is
valid and they qualify as dependants or as
your legal personal representative when you
die. An annual fee is charged to administer
your binding nomination.
Binding nominations are valid for three years
from the date we receive your request.
It’s important that you review and update
your nomination regularly and when your
circumstances change – for example, if
you marry, divorce or have children. If your
binding nomination runs out, it will become
non-binding and will guide rather than
instruct us.
32
Pay low fees and charges
We’re serious about low fees

*
Did you know? As an industry super fund, AustralianSuper
is run only to benefit our members. Our
Small differences in both investment fees are set simply to cover the costs of
performance and fees and costs can operation, not to make profits for shareholders
have a substantial impact on your or pay commissions to agents or planners.
long-term returns. For example, total
We have no contribution fees and only
annual fees and costs of 2% of your
charge the investment management fee
fund balance rather than 1% could our investment managers charge us.
reduce your final return by up to 20% Therefore, we’re unable to negotiate fees
over a 30-year period (for example, with individual members.
reduce it from $100,000 to $80,000).
See for yourself
You should consider whether features Chant West
such as superior investment performance AppleCheck
or the provision of better member services Chant West AppleCheck is an online tool

justify higher fees and costs. that compares AustralianSuper with more
You may be able to negotiate to pay lower than 100 retail super funds on:
contribution fees and management costs • product overview
where applicable. Ask the fund or your
• fees and costs
financial adviser.
• investment options
To find out more • insurance options
If you would like to find out more, or see • member services, and
the impact of fees based on your own • Chant West ratings.
circumstances, the Australian Securities Super AppleCheck is provided by
and Investments Commission (ASIC) independent research consultant, Chant
website (www.fido.asic.gov.au) has a West Financial Services. AustralianSuper
superannuation calculator to help you may purchase products from Chant West
check out different fee options. on commercial terms but is not a shareholder
* This statement is required by Australian law. in Chant West and has no influence over the
Please read it along with the information on fees
research results and ratings.
on pages 33 to 37.
Visit www.australiansuper.com/compare
to see for yourself.
33
Fees and other costs
This document shows fees and other costs that you may be charged. These fees and costs
may be deducted from your account, from the returns on your investment or from the Fund’s
assets as a whole. Taxes and insurance costs are set out in another part of this document.
You should read all the information about fees and costs because it is important to
understand their impact on your investment. Fees and costs for particular investment
options are set out on page 17.
Type of fee or cost Amount How and when paid

Fees when your money moves in or out of the Fund
Establishment fee: The fee to nil n/a
open your investment.
Contribution fee: The fee on nil n/a
each amount contributed to your
investment – either by you or your
employer.
Withdrawal fee: The fee on each $35 – not applied to amounts Deducted from your
amount you take out of your withdrawn on financial account balance when
investment. hardship or compassionate a withdrawal is paid
grounds
Termination fee: The fee to close Nil – but the above withdrawal n/a
your investment. fee may be charged
Management costs
The fees and costs for managing $1.50 per week Calculated weekly and
your investment. deducted monthly from
your account
The amount you pay for specific In 2009/10 ranged from 0.11% Deducted from before-tax
investment options is shown on to 0.74% pa of your account investment returns on
page 17.* balance, depending on your 31 December and 30 June
investment option. The cost (earlier if you close your
for our Balanced option was account), before crediting
0.60% pa. returns to your account
An annual participation fee of Calculated weekly and
$39 is charged for investing in deducted monthly from
the ASX 200 Shares option. your account
Service fees
Investment switching fee: nil n/a
The fee charged to change
investment options.
*Investment management fees are calculated looking back as at 31 December and 30 June each year. As such,
these may change from year to year. The figures shown are for the 2009/10 financial year.
If you choose more than one option, we’ll calculate investment management fees based on the amount held
and the time invested in each option. Refer to www.australiansuper.com/investments for the investment
management fees for all investment options.
34
Additional explanation of fees and costs
Type of fee or cost Amount How and when paid
Brokerage: This is deducted when Trade amount ($) Brokerage* Included in the price
you trade shares in the ASX 200 when you buy or sell
0 to 4,167 $12.50
Shares option. the shares
4,168 to 10,000 0.30%
10,001 to 30,000 0.20%
30,001 to 50,000 0.18%
50,001 to 100,000 0.15%
100,001 and over 0.10%
Adviser service fee† (effective As negotiated between you Deducted directly
1 March 2011): This is deducted and your adviser up to the from your account
after you authorise payment to following limits: after the advice has
an eligible adviser for the advice Initial advice: $4,659.10 been received.
you receive about your investment
Once-off advice: $2,329.55
with AustralianSuper.
Binding nomination fee: This is $10 per year Deducted directly
charged if you decide to make a from your account
binding death benefit nomination. each year at 1 July
Family Law Act information $50 Charged to the
request: This is charged when an person asking for the
eligible person asks for information information
under the Family Law Act.
Family Law Act splitting account $70 (shared equally between Charged to your
fee: This is charged to put a family the two parties) account when the
law splitting order or agreement in split happens

place.
Family Law Act payment flagging nil n/a
agreement: This is charged when
a payment flagging agreement
to defer the splitting of a super
interest is put in place.
Contribution splitting fee: This is $70 Charged to your
charged to split your contributions account when the
with your spouse. split happens
* Plus GST
† The adviser service fee shown is deducted after the savings from reduced input tax credits are taken into
account. This means that the adviser service fee deducted from your account is less than the full fee that’s
paid to the financial adviser.
Under the Trust Deed, the Trustee is authorised to change the fees which you may be
charged. You will be given at least 30 days’ notice before any increase in fees takes effect.
35
Adviser service fee
The adviser service fee allows you to deduct the cost of advice you receive about your
investment in AustralianSuper against your account. This can include advice on your
investment options, insurance cover, contributions to super and retirement pension
options. The cost of advice on non-super matters can’t be deducted from your account.
The fee can only be deducted from your account for services provided by a financial
adviser registered with AustralianSuper, who has been provided with training by the Fund.
The adviser service fee can be deducted under two situations:
• for initial advice: for advice received on the establishment of your account, or
• for once-off advice: for advice received on your account following establishment.
There is no limit on the frequency in which the fee can be deducted (assuming the
total amount deducted does not exceed $2,329.55 in any financial year). However,
for each new request, you must complete a Request to pay adviser service fee form.
Unless you agree to these fees in writing by completing the Request to pay adviser service
fee form, the adviser service fee is automatically set at zero.
For a list of registered financial advisers, please go to www.australiansuper.com or call
us on 1300 300 273.
Understanding how tax deductions affect fees

• Insurance costs: claimed as a deduction against members’ contributions before
contributions tax is calculated and charged individually to members.
• Investment-related costs (such as manager fees, brokerage, custodian and asset
consultant fees): claimed as a deduction against taxable investment income before net
returns are credited to members.
• Account administration fees (including withdrawal fees, family law fees and binding
nomination fees): not allowed as a deduction in members’ individual accounts.
Administration fees for small account balances
If your account balance is less than $1,000, we won’t charge administration fees higher than
the investment returns that are credited to your account at 30 June and 31 December. This
is known as ‘member protection’. To fund this, AustralianSuper deducts a small percentage
from the overall investment returns to prevent these small accounts from being eaten away
by fees. For the 2009/10 financial year, this amounted to 0.05% of total Fund assets.
If the returns of AustralianSuper are less than the administration fees for all members in
a benefit statement period, we may charge an administration fee of up to $10. This applies
to members with small account balances and may be charged twice a year. The difference
between normal administration fees and the member protection amount will be shown
on your benefit statement.
36
Example of annual fees and costs for a balanced
investment option
This table gives an example of how the fees and costs in the Balanced option for this
product can affect your superannuation investment over a one-year period. You should
use this table to compare this product with other superannuation products.
AustralianSuper Balance of $50,000 with total

Balanced option contributions of $5,000 during the year
Contribution fees nil For every $5,000 you put in, you will be charged $0.
Plus 0.65% + $78 And, for every $50,000 you have in the Fund you will
Management ($1.50 per week) be charged $325 each year, plus $78 in administration
costs fees regardless of your balance.
Equals If you put in $5,000 during a year and your balance
Cost of fund was $50,000, then for that year you will be charged
fees of $403.
What it costs will depend on the investment option you
choose and the fees you negotiate with your fund or
financial adviser. (This statement is required by law –
AustralianSuper does not pay any commissions to any
third-parties or advisers.)
A $35 withdrawal fee may apply, charged for each withdrawal you make from the Fund.
0.65% comprises 0.60% investment management costs (for the Balanced option) and
0.05% for protection of small account balances. Investment management costs and
member protection costs used in this example are based on costs for 2009/10.
Actual costs will vary from year to year.
37
Changing jobs?
When you change jobs, ask your new employer to pay
your super into your AustralianSuper account
Super is one of the largest investments you’ll ever make, so it’s important
to have the right fund working for you. When you start with a new employer
they will ask you to nominate a super fund, and if you don’t they will choose
one for you. But having more than one account means more than one set
of fees and more paperwork.
It’s easy to stay with Most people have a choice

AustralianSuper Not everyone has a choice. Generally,
By asking your employer to pay your you can’t choose your super fund if your
Superannuation Guarantee contributions employment is covered by:
into your AustralianSuper account when you • Federal Certified Agreements or
change jobs, you can keep your account by Australian Workplace Agreements that
your side for the rest of your working life. name specific employer super fund(s)
This way you’ll only have one super fund to
• State Awards or Agreements that name
keep track of which means you’ll keep your
specific super funds, or
fees to a minimum.
• certain agreements under the Victorian
What’s more, you know that you’ll be Employee Relations Act 1992.
getting a fair deal when it comes to saving
for your future with: Also, you probably don’t have choice if
you’re a member of a defined benefit or
• low fees public sector super fund. Speak to your
• free education seminars to help you employer to confirm this.
• investment options to suit your individual
and changing needs, and
• competitive and affordable insurance cover.
If you can choose your super fund in your workplace, you can use the enclosed Choose
AustralianSuper nomination form to make AustralianSuper your choice.
38 3
Accessing your super
Accessing your super
Super helps you to save money to live on when you finish working. And you
can continue to benefit from the super system once you retire by paying
yourself an income with the AustralianSuper Pension.
Retirement age to access your super
To access your super savings, generally you Retiring soon?
need to have permanently retired from work There are many benefits in taking your
and have reached your preservation age. Your super as a pension through a super
preservation age is 55 if you were born before fund like us. With the AustralianSuper
1 July 1960. Higher preservation ages apply Pension the benefits really stack up:
to younger people.
Continue to receive a regular
Preservation income paid directly to your
Date of birth age bank account.
Before 1 July 1960 55 Keep your money in super
and get tax breaks like tax-free
1 July 1960 to 30 June 1961 56 investment returns.

1 July 1961 to 30 June 1962 57 Pay no tax on your pension
payments if you are aged 60
1 July 1962 to 30 June 1963 58 or over.
1 July 1963 to 30 June 1964 59 May improve your eligibility for
the Government Age Pension.
1 July 1964 or after 60
The AustralianSuper Pension

If you are thinking about retiring, you can find out more from our Pension
Member Guide – available online at www.australiansuper.com/PensionForms
or call us on 1300 789 932.
39 39
Accessing your super Temporary residents,
at other times permanently leaving
There are other situations where you or If you’re a temporary resident permanently
your beneficiaries may be able to access leaving Australia, you have six months to
some or all of your super. These are: claim your super from us. If you don’t, we
• reaching age 65 may transfer your benefit to the Australian
• changing employers: Taxation Office (ATO).
– once you turn 60, or Under Australian Securities and Investments
– with under $200 in your account Commission relief, we do not have to give
• using a transition to retirement strategy you an exit statement if we pay your benefit
to open an account-based pension to the ATO in these circumstances. Once
• permanently leaving Australia after transferred, you’ll need to contact the ATO
being an eligible temporary resident to claim your benefit.
• becoming totally and permanently
disabled and ceasing employment
• suffering from a terminal medical condition
• experiencing severe financial hardship
(strict eligibility criteria applies)
• qualifying on compassionate grounds
(strict eligibility criteria applies)
• genuine retirement at or after age 55, or
• when you die.
All these situations relate to the preserved
part of your super account. Any unrestricted
non-preserved amounts – usually after-tax
contributions made before 1 July 1999 – can
be withdrawn at any time. Both preserved ‘I feel confident having my
and non-preserved super may be subject to money with AustralianSuper.’
tax if you withdraw before turning 60. Nathan Lowe, AustralianSuper member
For more information on

accessing your super, go to
www.australiansuper.com/
AccessSuper
40
More about your super
More about your super
We respect your privacy provide regular summaries of your account
or pay your benefit when it becomes
Protecting your personal information is available to you.
important to us. Our Privacy Policy outlines
the type of information we will keep about If we’re unable to contact you, your account
you. It also explains how we – and any will be classified as ‘lost’. Or if there is no
organisations we appoint to provide services activity on your account for a certain period,
on our behalf – will use this information. it may become inactive. As a result, three
things may happen.
For more information 1. Transfer your account to AUSfund
on privacy, go to
www.australiansuper.com/ We may transfer your super account balance
RefPrivacy to AUSfund – an eligible rollover fund – if
your account balance is less than $1,000
You can change your mind about us (subject to change) and no contributions
have been received for you for 13 months.
If you have chosen AustralianSuper (as
If this happens, you’ll no longer have an
opposed to your employer signing you up)
account with us and any insurance cover
you can cancel your membership by writing
you have with us will end. For details,

to us within:
visit www.unclaimedsuper.com.au or
• 19 days of the date that we received call AUSfund on 1300 361 798.
your application, or
• 14 days of the date that we send you 2. Transfer your account to the ATO
confirmation of your membership. If your balance is less than $200
Once you cancel your membership, we’ll If your account becomes inactive and your
transfer the account to an approved fund balance is less than $200 we will transfer
of your choice. Any contributions tax we’ve your balance to the Australian Taxation
paid on your behalf may be deducted Office (ATO).
beforehand. Cancelling your membership If your account is considered ‘lost’
during this period means you won’t be
entitled to any investment returns or We’ll transfer your account balance to the
insurance benefits. ATO and close your account with us if:
• there has been no activity on your
You need to keep your details current account in the past five years, and
Please let us know if any of your personal • We don’t have enough information
details change – particularly your address. to identify you
If we can’t write to you, we’re unable to
41
If you lose your super, call the ATO 13 10 20 If your complaint relates to general advice
or visit www.ato.gov.au/superseeker to about a non-super product that hasn’t
search for it. been resolved by us within 45 days, you
As you can see, it pays to keep us informed can contact the Financial Ombudsman
– using MemberOnline is an easy way to Service on 1300 780 808. This is an external
update your details as they change (see resolution body approved by the Australian
page 4) or you can call us directly. Securities and Investments Commission.
You can give feedback or complain We’ll look out for your super
To provide feedback, please use the contact Under the Anti-Money Laundering and
details listed on the inside front cover of Counter-Terrorism Financing Act 2006, we
this Guide. must identify, monitor and manage the risk
that the fund may be used to launder money
We work hard to ensure you don’t have or finance terrorism. As a result, you may
reason to complain. But to make a complaint
need to provide proof of identity before you
about your super account or general advice
withdraw your benefit from the fund or open
given by AustralianSuper, please contact us:
a pension account. At a minimum, this will
be identification to confirm your name, date
Mail Complaints Officer of birth and address.
AustralianSuper
33/50 Lonsdale Street We also monitor transactions for potential
MELBOURNE VIC 3000 money laundering or terrorism financing
activities and to report any suspicious
We’ll look into your complaint and write to matters to the Australian Transaction
you to let you know the outcome. If you Reports and Analysis Centre. In following
don’t receive our response within 90 days these procedures, members’ privacy
or are unhappy with the response, you can entitlements are respected.
contact the Superannuation Complaints
Tribunal (SCT). As an independent body that
reviews complaints made to super funds,
the SCT will try to resolve your complaint by
reaching an agreement between us and you
(or your beneficiaries). If this is not possible,
they will make a final decision on the matter.
You should contact the SCT to see if they
will accept your complaint. They will also tell
you the type of information you will need to
provide when formally complaining.
Call 1300 884 114

Website www.sct.gov.au
Mail Locked Bag 3060
MELBOURNE VIC 3001
42
Financial Services Guide
Financial Services Guide
This Financial Services Guide (FSG) provides you with information about
our services, how our representatives are remunerated, and your rights
as a client, including our complaints system.
If you need more information or clarification These are set out in the list below:
of any matter raised in this FSG, please ask
• AustralianSuper (including
us. If the advice provided to you relates to the
AustralianSuper Pension)
acquisition of a financial product other than
• AUSfund
an AustralianSuper product, then you should
obtain and read the Product Disclosure • ME Investment Funds, and
Statement (PDS) relating to that product • ME Bank.
before making any decision to acquire it. The advice provided to you is of a general
nature, and is prepared without taking into
Things you should know before account your particular financial needs,
you get our advice circumstances or objectives. Therefore,
Who is the provider of the you should assess your own financial
financial service given to me? situation and read the PDS before making

AustralianSuper Pty Ltd, the Trustee of an investment decision based on the advice.
AustralianSuper, is the provider, through AustralianSuper Pty Ltd only issues financial
its representatives, of the financial services products in respect of AustralianSuper.
set out below. How will I pay for the service?
Who will be responsible for The cost of providing this general financial
the advice given to me? product advice is included in the fees
charged for membership of AustralianSuper.
AustralianSuper Pty Ltd holds an Australian
AustralianSuper does not charge any
Financial Services Licence (AFSL 233788)
additional fees or obtain any commissions
under the Corporations Act 2001, and is liable
for the advice that they provide.
for services provided by its representatives.
What financial services What commission/fee does
are available to me? my representative receive?
The representatives are employees of
AustralianSuper Pty Ltd and its representatives
AustralianSuper and are paid a salary. They
provide general financial product advice or
don’t receive commissions, fees or bonuses
reports about superannuation, managed
for the services that they provide to you.
investments and basic deposit products.
43
Do any relationships or associations exist The Complaints Officer will ensure
which might influence AustralianSuper that your complaint is investigated as
providing me with financial services? appropriate. You will be provided with
a written response.
AustralianSuper Pty Ltd is a shareholder or
part-owner of Industry Super Holdings Pty Ltd. 3. AustralianSuper is a member of independent
Industry Super Holdings Pty Ltd has the following external dispute resolution bodies, as set
subsidiaries with which the Fund transacts: out below. You may have the right to take
• Industry Fund Services Pty Ltd your complaint to one of these bodies if
you are not satisfied that your complaint
• Superpartners Pty Ltd has been handled satisfactorily.
• Super Members Investments Ltd
• Members Equity Bank Pty Ltd, and For advice given by
• Industry Funds Investments Ltd. AustralianSuper representatives
Superpartners is contracted to provide If you do not receive a response to your
administration services to AustralianSuper and complaint within 90 days or are not satisfied
is paid a fee for those services. Other than with the response provided after going through
these, AustralianSuper Pty Ltd does not have AustralianSuper’s internal complaints process,
any relationship or association with any other you may be eligible to take your complaint to
product issuer that could be expected to the Superannuation Complaints Tribunal (SCT):
influence the provision of the financial service.
Mail Locked Mail Bag 3060
When you get our advice MELBOURNE VIC 3001
Will you give me advice that is Call 1300 884 114
tailored to my investment needs
and financial circumstances? This is a free service to you. If your complaint
is outside the jurisdiction of the SCT, you may
The advice that is provided to you is of a general
have the right to take your complaint to the
nature. It does not take into account your
Financial Ombudsman Service (FOS):
particular financial needs, circumstances or
objectives. If you require referral to a licensed Mail GPO Box 3
financial adviser, please call AustralianSuper MELBOURNE VIC 3001
on 1300 300 273.
Call 1300 780 808
If you have a complaint
AustralianSuper is committed to handling any This is a free service to you. You may be
complaints promptly and fairly. Any complaints eligible to take your complaint to FOS if you
will be managed in strictest confidence. If you do not receive a response to your complaint
have a complaint about the advice provided: within 45 days or are not satisfied with
1. You can raise the issue with an the response provided after going through
AustralianSuper representative, or AustralianSuper’s internal complaints process.
2. If you’d prefer not to discuss the complaint
Trustee liability insurance
with your representative, or your concern
is not satisfactorily resolved, please direct AustralianSuper Pty Ltd has a Trustee Liability
your complaint to: Insurance Policy in place, which incorporates
liabilities for losses from claims arising out
Mail Complaints Officer of the provision of professional services to
AustralianSuper third parties (professional indemnity). This
33/50 Lonsdale Street policy covers claims arising from the conduct
MELBOURNE VIC 3000 of representatives who no longer work for
AustralianSuper Pty Ltd, but who did at the
time of the relevant conduct.
44
There’s strength in numbers
1.5 million members, over one in ten working Australians
$32 billion in funds under management
125,000 employers nationwide
AustralianSuper is a top-rated fund

For important information about ratings, please see the inside
back cover of this Guide.
FUND
OF THE YEAR
2011
Working just for you Get more information

If you have any questions, we’re here to help.
in your language
Call 1300 300 273
(8.00am to 8.00pm AEST weekdays)
Fax 1300 366 273
Web www.australiansuper.com
Secure email www.australiansuper.com/email
Mail GPO Box 1901, MELBOURNE VIC 3001
In person – 8.30am to 5.00pm, weekdays

Adelaide Level 2, 104 Frome Street
Brisbane Level 11, 120 Edward Street
Canberra Unit 6, 33 Allara Street
Darwin Ground floor, 84 Smith Street
(hours of operation vary)
Hobart Level 2, 119 Macquarie Street
Melbourne Level 2, 2 Lonsdale Street
Perth Level 2, 12 St Georges Terrace
Sydney Level 5, 477 Pitt Street www.australiansuper.com/help
10249 01/11
AustralianSuper Pty Ltd ABN 94 006 457 987 of future performance. The Chant West rating does
AFSL 233788, Trustee of AustralianSuper not constitute financial product advice. However to
ABN 65 714 394 898. the extent that the information may be considered to
The views expressed in this Guide are those of the be general financial product advice then Chant West
members and not AustralianSuper. The members warns that: (a) Chant West has not considered any
made their decisions based on their particular individual’s objectives, financial situation or particular
circumstances and did not obtain financial advice needs; and (b) individuals need to consider whether
from AustralianSuper. Members should obtain their the advice is appropriate in light of their goals,
own independent financial advice before making an objectives and current situation.
investment decision. Chant West has given and has not withdrawn its
Industry SuperFund logo used with permission of written consent to the inclusion in this Guide of the
Industry Fund Services (IFS). This consent had not references to Chant West and the inclusion of the
been withdrawn at the date of publication. ratings logo or rating in the form and context in which
they are included. Chant West has not authorised
Investment returns are not guaranteed as all or caused the issue of this Guide and does not make,
investments carry some risk. Past performance gives or purport to make, any statement in this Guide, other
no indication of future returns. than as noted above.
The scores used by Chant West to derive the ratings Go to www.australiansuper.com/ratings for details
are subjective scores that have been awarded based on The Heron Partnership’s rating of AustralianSuper.
on data (including historical financial performance
information) supplied by third parties. While such ® Registered to BPAY Pty Ltd ABN 69 079 137 518.
information is believed to be accurate, Chant West Australia Post, Postbillpay® and their associated device
does not accept responsibility for any inaccuracy in marks are trademarks (registered or otherwise) of the
such data. Past performance is not a reliable indicator Australian Postal Corporation.
Store your forms in this pocket for safe-keeping

If you need more forms, please visit www.australiansuper.com/forms or call 1300 300 273.
Forms
This handy booklet contains some of the forms you can use to get the most out of your account.
Don’t like forms? Visit www.australiansuper.com/join to join online.
I want to… What form to use Hints and tips
Open an account A Membership application • Provide your Tax File Number to ensure you don’t pay more tax
with AustralianSuper than you need to.
• Making insurance choices here could mean you can get cover
without health checks.
Close an old super B Transfer your old super • Be sure to include copies of your certified identification with
account and transfer into AustralianSuper your transfer request.
it to AustralianSuper • We’ll forward this request to your old super fund and let you
know when they transfer your money.
Put extra money into C Boost your super • Make a one-off after-tax contribution to super or set up a regular
my account savings plan.
• Make sure you have provided your Tax File Number – otherwise
we can’t accept your contributions.
• Double check your bank details if you’re arranging a direct debit.
Ask my employer to D Choose AustralianSuper • Your employer will need both sides of the form – the Choose
use AustralianSuper nomination AustralianSuper nomination form and the Letter of compliance.
Choose how to invest E Make an investment • Make sure your choices add up to 100%.
my super choice
Transfer your existing F Insurance transfer • Have your benefit or policy statement handy to make it easier
cover to your new to fill in the form.
account
If you need help to fill out any of these forms, please call us on 1300 300 273 between 8.00am and 8.00pm AEST on weekdays.
For other forms or extra copies of the enclosed forms, visit www.australiansuper.com or call us.
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 10249 01/11
A Membership application
Please complete in pen using BLOCK letters. Print ‘X’ to mark boxes where applicable. Form must be completed in full.
1. PERSONAL DETAILS
Surname Mr Ms Mrs Miss Dr Other
X X X X X
Given names
Street address
Suburb State Postcode
Telephone (BH) (AH) Mobile
Email
Date of birth Existing member number (if applicable)

D D M M Y Y Y Y
If you’re an existing member of AustralianSuper and you’ve changed your name since you joined, please attached your certified name change
documents to this application.
If you are aged between 65 and 74 years old we can only accept your contributions if you meet the required work test. Please mark the box to confirm that you
X have worked at least 40 hours in a 30-day period or less during the current financial year.
Important note: If you provide your email details on the application form(s) and if you do not agree to AustralianSuper using these details for the purpose
X of emailing you information about super products and services, investment information, and third-party products, please mark the box here.
2. EMPLOYER DETAILS
Employer’s trading name
Street address
Employer number (if known) Telephone (BH)
3. INVESTMENT CHOICE
To make your choice, complete the Make an investment choice form in this Guide. If you do not make a choice, your account will be invested
in the Balanced option. An Investment Choice Guide which contains more detailed information on your investment options will be sent to you
on request. You may also download the Investment Choice Guide from www.australiansuper.com/FormsPublications
4. TAX FILE NUMBER

Super funds are required and authorised to ask you for your Tax File Number (TFN) under the Superannuation Industry (Supervision) Act 1993.
If you provide your TFN, the Trustee will only use it for approved purposes as outlined in the Member Guide. You may choose whether or not
to provide your TFN.
If you do not provide your TFN:
1. Benefits paid to you will be taxed at the highest marginal rate plus the Medicare levy.
2. AustralianSuper may not be able to locate other benefits for you in the fund.
3. AustralianSuper will not be able to accept after-tax contributions from you, and other contributions may be subject to additional tax.
Do you agree to provide your TFN for approved purposes? Yes X No X
If you agree, please provide your TFN here
OFFICE USE ONLY

Member number
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 PDS_ID_A 01/11 page 1 of 4
5. YOUR INSURANCE OPTIONS
AustralianSuper provides you with three types of cover, and you can nominate the level of cover you require. If you do not nominate the level of cover
you require you will be provided with default insurance cover. Limited cover conditions may apply see page 29 for details. Please refer to pages 18 to 31
of this Guide for information on default cover.
Complete the following questions to change your insurance cover or to apply for a Low Risk or Professional occupational rating.
PERSONAL HEALTH STATEMENT

Please answer the following questions. If you do not understand these questions, call us on 1300 300 273.
1. Have you ever applied for, been entitled to apply for, or been paid a benefit for Total & Permanent Disablement
(TPD) from a super fund or insurance policy, or are you presently applying for, or entitled to apply for, the payment
of a disability benefit? Yes No
2. Is there any illness or injury that restricts you from carrying out the identifiable duties of your current and normal
occupation on a full-time basis (for at least 30 hours per week) even though actual employment may be full-time,
part-time or casual? Yes No
3. Have you been unable to work for a total of four or more weeks in the last 12 months because of illness or injury? Yes No
If you answered YES to any of the above questions, your cover may be limited. See pages 18 to 31 of this Guide for an explanation
of Limited cover.
OCCUPATIONAL RATING
Your insurance cover will be matched to your occupational rating. The following questions will help us to determine which occupational rating
applies to you. If you do not complete these questions your occupational rating will be Standard.
1. Are the duties of your occupation limited to professional, managerial, administrative, clerical, secretarial or similar
‘white collar’ tasks that do not involve manual work and are conducted entirely (or at least 80%) within an office
environment (excluding travel from one office environment to another)? Yes No
2. Are you earning more than $80,000 each year from your profession? Yes No
3. Do you have a tertiary qualification or are you a member of a professional institute or registered by a government body? Yes No
4. Are you in a management role? Yes No
5. If you cannot answer YES to Question 1 but believe you may qualify for a Low Risk or Professional occupational rating
due to your occupation and/or due to the minimal time you perform your duties outside an office environment,
please provide details of your occupation and a brief description of your duties below.
YOUR SALARY
What is your current gross annual (before-tax) salary, excluding super contributions? $ , , .00
DEATH AND TPD COVER

Complete this section to increase or decrease your Death or TPD cover. If you want to cancel either your Death or TPD cover, complete the
‘Cancel your cover’ section on the following page. You can have different levels of Death and TPD cover, including TPD cover only.
If you change either your Death or TPD cover, your total cover will become fixed cover for both Death and TPD cover. Please refer to pages 18 to 31
of this Guide for an explanation of fixed cover.
If you are applying for cover above $600,000 (for either Death or TPD), you can only apply for up to 10 times your salary or $1.5 million (whichever
is lower)*. If you require cover above this amount, you will need to complete an Application to vary insurance cover form from our Insurance Guide.
You can obtain a copy of the Guide at www.australiansuper.com/InsuranceGuide
Please put an (X) next to the total amount of Death and TPD cover you wish to have.
Death cover insurance (total amount required) TPD cover insurance (total amount required)
$100,000 $100,000
$200,000 $200,000
$400,000 $400,000
$600,000 $600,000
$800,000 $800,000
$1,000,000 $1,000,000
$1,200,000 $1,200,000
$1,500,000 $1,500,000
$ , ,000 $ , ,000
If you would like a different amount, please write If you would like a different amount, please write
it here. It must be in multiples of $1,000. it here. It must be in multiples of $1,000.
*Salary is your current gross annual (before-tax) income, excluding super contributions.
PDS_ID_A 01/11 page 2 of 4

5. YOUR INSURANCE OPTIONS (CONTINUED)
INCOME PROTECTION
Complete this section to increase or decrease your Income Protection cover. If you want to cancel your Income Protection, complete
the ‘Cancel your cover’ section below.
The following table will help you to determine how many units of Income Protection insurance you need. The maximum monthly benefit you
can be paid cannot be higher than 85% of your monthly salary (75% being paid to you and 10% to your super account)*. Each salary range
shows the number of units that provide 85% of monthly income if your salary falls within that range. You may select an amount of cover that
corresponds to a salary range lower than your salary. If you require more than 40 units, you will need to complete an Application to vary insurance
cover form – you can obtain a copy from our Insurance Guide at www.australiansuper.com/InsuranceGuide
Put an (X) next to the total amount of monthly Income Protection cover you require.
Salary range (per year) Cover per month Units Salary range (per year) Cover per month Units
Up to $7,057 pa $500 1 $141,177 – $148,235 pa $10,500 21
$7,058 – $14,117 pa $1000 2 $148,236 – $155,294 pa $11,000 22
$14,118 – $21,176 pa $1,500 3 $155,295 – $162,352 pa $11,500 23
$21,177 – $28,235 pa $2,000 4 $162,353 – $169,411 pa $12,000 24
$28,236 – $35,294 pa $2,500 5 $169,412 – $176,470 pa $12,500 25
$35,295 – $42,352 pa $3,000 6 $176,471 – $183,529 pa $13,000 26
$42,353 – $49,411 pa $3,500 7 $183,530 – $190,588 pa $13,500 27
$49,412 – $56,470 pa $4,000 8 $190,589 – $197,647 pa $14,000 28
$56,471 – $63,529 pa $4,500 9 $197,648 – $204,705 pa $14,500 29
$63,530 – $70,588 pa $5,000 10 $204,706 – $211,764 pa $15,000 30
$70,589 – $77,647 pa $5,500 11 $211,765 – $218,823 pa $15,500 31
$77,648 – $84,705 pa $6,000 12 $218,824 – $225,882 pa $16,000 32
$84,706 – $91,764 pa $6,500 13 $225,883 – $232,941 pa $16,500 33
$91,765 – $98,823 pa $7,000 14 $232,942 – $240,000 pa $17,000 34
$98,824 – $105,882 pa $7,500 15 $240,001 – $247,058 pa $17,500 35
$105,883 – $112,941 pa $8,000 16 $247,059 – $254,117 pa $18,000 36
$112,942 – $120,000 pa $8,500 17 $254,118 – $261,176 pa $18,500 37
$120,001 – $127,058 pa $9,000 18 $261,177 – $268,235 pa $19,000 38
$127,059 – $134,117 pa $9,500 19 $268,236 – $275,294 pa $19,500 39
$134,118 – $141,176 pa $10,000 20 $275,295 – $282,352 pa $20,000 40
*Salary is your gross annual (before-tax) salary, excluding super contributions.
Waiting period
The waiting period is the time you have to wait before you are eligible to make a claim for an Income Protection benefit. You have been given
a 60 day waiting period, but you can choose a 30 day waiting period by putting an (X) in the box below. Refer to IMPORTANT NOTES below and
the conditions about Limited cover on page 29 of this Guide.
Do you wish to have a 30 day waiting period? Yes
Please refer to the Income Protection information in this Guide for the cost of cover for each waiting period.
CANCEL YOUR COVER

Complete this section to cancel part or all of your cover. Please put an (X) next to each type of cover that you wish to cancel.
If you put an (X) next to any of the cover types below, you will no longer be insured for that cover. So, you (or your beneficiaries) will not be able
to make an insurance claim for that type of cover, in the event of illness, injury or death. If you decide to apply for cover in the future, you will need
to supply medical evidence as part of your application.
I no longer want to be covered for: Income Protection Death TPD
IMPORTANT NOTES
Your insurance cover will not commence until the first on-time employer contribution is received for you and as set out in this Guide. You
should make yourself aware of the terms and conditions of the Fund’s insurance offering to you, including your eligibility for cover, automatic
acceptance, when cover commences, when cover ends, reinstatement of cover, continuation of cover and limitations and exclusions. Please
refer to our Insurance Guide.
Duty of disclosure
Before you enter into or become insured under a contract of life insurance with an insurer, you have a duty under the Insurance Contracts Act
1984, to disclose to the insurer every matter that you know, or could reasonably be expected to know, that is relevant to the insurer’s decision
whether to accept the risk of the insurance and, if so, on what terms.
You have the same duty to disclose those matters to the insurer before you extend, vary or reinstate your insurance. Your duty, however,
does not require disclosure of a matter:
• that diminishes the risk to be undertaken by the insurer; • that your insurer knows or, in the ordinary course of its business,
• that is of common knowledge; ought to know; or
• as to which compliance with your duty is waived by the insurer.
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 PDS_ID_A 01/11 page 3 of 4
5. YOUR INSURANCE OPTIONS (CONTINUED)
Non-disclosure
If you fail to comply with your duty of disclosure and the insurer would not have covered you on any terms if the failure had not occurred, the
insurer may avoid the cover within three years of issuing it. If your non-disclosure is fraudulent, the insurer may avoid your cover at any time.
An insurer who is entitled to avoid your cover may, within three years of issuing it, elect not to avoid it but to reduce the sum that you have been
insured for in accordance with a formula that takes into account the premium that would have been payable if you had disclosed all relevant
matters to the insurer.
6. NOMINATION OF BENEFICIARY/IES/DEPENDANTS/INTERDEPENDANTS
Please provide details of any dependants (including interdependants) who may be entitled to any insurance or super benefits in the event of your death.
This information will be used as a guide to determine who should be paid any benefits on your death only.
Benefit
Full name Address Relationship to you
proportion %
For more information on making a binding nomination, please contact us. Total must add to 100%
7. DECLARATION
This section must be completed in all circumstances.
I have read the duty of disclosure (on page 3 of this form) and I am aware of the consequences of non-disclosure.
I understand that the duty of disclosure continues after I have completed this statement until my application for cover has been accepted
in writing by AustralianSuper and the Insurer.
I authorise:
• the Insurer to refer any statements that have been made in connection with my application for cover and any medical reports to other entities
involved in providing or administering the insurance (for example reinsurers, medical consultants, legal advisers)
• the Insurer and any person appointed by the Insurer to obtain information on my medical claims and financial history from the Insurance
Reference Association and any other body holding information on me, and
• any hospital, doctor or other person who has treated or examined me to give to the Insurer any information on my illness or injury, medical
history, consultation, prescription or treatment or copies of all hospital or medical reports.
I declare that:
• the answers to all the questions and the declarations on this form are true and correct (including those not in my own handwriting)
• I have not withheld any information which may affect any decision to provide insurance, and
• I agree to provide further medical authorities if requested.
I acknowledge that the answers I have provided, together with any special conditions, will form the basis of the contract of insurance.
I declare that I have read and understood the combined Financial Services Guide and Product Disclosure Statement to which this application
was attached. In consideration of my admission to membership I agree to abide by and be bound by the provisions of the Trust Deed and Rules.
A photocopy of this authorisation is as valid as the original.
• I understand that information contained in this Member Guide should be read in conjunction with all reference material.
I acknowledge that:
• insurance cover will only be provided on the terms and conditions set out in the contract of insurance with the Insurer and as agreed between
AustralianSuper and the Insurer from time to time.
• if I change either my Death or TPD cover that both my Death and TPD cover will become fixed cover. I understand that with fixed cover,
my cover amount will not change, but my premiums will increase with age.
• if I have chosen to cancel any of my cover, I will no longer be insured for that cover, and that if I decide to apply for cover in the future,
I will need to supply medical evidence as part of my application.
For information on the Insurer’s privacy and information-handling practices, read their Privacy Policy Statement at www.toweraustralia.com.au
or call 1800 226 364 for a copy.
Applicant to sign here:
Signature Date D D M M 2 0 Y Y
Full name
OFFICE USE ONLY

Please return this completed form to: Member number
AustralianSuper, GPO Box 1901, MELBOURNE VIC 3001
Telephone 1300 300 273 Web www.australiansuper.com PDS_ID_A 01/11 page 4 of 4
B Transfer your old super into AustralianSuper
Request to transfer whole balance of superannuation benefits between funds
By completing this form, you will request the transfer of the WHOLE balance of your superannuation benefits between funds.
This form can NOT be used to transfer part of the balance of your superannuation benefits. It is for whole balance transfers only.
Before completing this form What happens to my future employer What happens if I do not quote my
• Read the important information below. contributions? Tax File Number (TFN)?
• Check that the fund you are transferring your Using this form to transfer your benefits will not You are not obligated to provide your TFN to your
benefits to can accept this transfer. change the fund to which your employer pays your superannuation fund. However, if you do not provide
contributions and may close the account you are your TFN, your fund may be taxed at the highest
When completing this form
transferring your benefits from. marginal tax rate plus the Medicare levy on
• Print clearly in BLOCK LETTERS.
If you wish to change the fund into which your contributions made to your account in the year,
After completing this form contributions are being paid, you will need to compared to the concessional tax rate of 15%. Your
• Sign the authorisation. speak to your employer about choice of fund. fund may deduct this additional tax from your account.
• Attach the appropriately certified proof For forms and information about whether you are If your super fund does not have your TFN, you will
of identity documents. eligible to choose the fund to which your employer not be able to make personal contributions to your
• Review the checklist below. contributions are made, visit www.ato.gov.au/super superannuation account. Choosing to quote your
• Send the request form to your fund. or call the Australian Taxation Office on 13 10 20. TFN will also make it easier to keep track of your
superannuation in the future.
Things you need to consider when
transferring your super Under the Superannuation Industry (Supervision) Act
IMPORTANT INFORMATION
When you transfer your super, your entitlements 1993, your fund is authorised to collect your TFN, which
This transfer may close your account (you will only be used for lawful purposes. These purposes
under that fund may cease. You need to consider
will need to check this with your from fund). may change in the future as a result of legislative
all relevant information before you make a decision
This form can NOT be used to: change. The TFN may be disclosed to another provider,
to transfer your super. If you ask for information,
• transfer part of the balance of your super your super provider must give it to you. Some of when your benefits are being transferred, unless you
benefits request in writing that your TFN is not to be disclosed
the points you may consider are:
• transfer benefits if you don’t know where to any other trustee.
your super is • Fees – your FROM fund must give you information
• transfer benefits from multiple funds on about any exit or withdrawal fees. If you are not
this one form – a separate form must be aware of the fees that may apply, you should
contact your fund for further information before Checklist
completed for each fund you wish to transfer
superannuation from (you can photocopy this completing this form. The fees could include Have you read the important information?
X
form) and you must provide multiple copies administration fees as well as exit or withdrawal
fees. Some funds may also charge entry or Have you considered where your future
of your certified identification (see below) X
deposit fees on transfer although AustralianSuper employer contributions will be paid?
• change the fund to which your employer
pays contributions on your behalf does not. Differences in fees funds charge can Have you checked your to fund can accept
have a significant effect on what you will have X
• open a superannuation account, or the transfer?
• transfer benefits under certain conditions to retire on. For example, a 1% increase in fees
may significantly reduce your final benefit. Have you completed all of the mandatory
or circumstances, for example if there is a X
fields on the form?
super agreement under the Family Law Act • Death and disability benefits – your FROM fund
1975 in place. may insure you against death, illness or an X Have you signed and dated the form?
accident which leaves you unable to return to Have you attached the certified documentation
work. If you choose to leave your current fund, X including any linking documents if applicable?
you may lose any insurance entitlements you
have. Other funds may not offer insurance, or
may require you to pass a medical examination
before they cover you. When considering a
new fund, you may wish to check the costs
and amount of any cover offered.
Providing proof of your identity (ID)

If you don’t provide the right ID – correctly certified 3. Get your ID certified properly If you don’t have a passport or driver’s licence or
– it will delay the processing of your request. Most people find it easy to get their ID certified at a: can’t get to a post office or police station, download
Please read this information very carefully. • police station, or a copy of A guide to providing proof of your identity
• post office. from www.australiansuper.com/forms
1. Get the right ID together This guide lists all the people who can certify
You’ll need A CURRENT driver’s licence or passport To certify your ID, the authorised person needs to:
ID and the original documents you can use if
a) Compare the photocopy to the ORIGINAL. you don’t have a passport or driver’s licence.
2. Photocopy your ID
b) Stamp or write ‘This is a true and correct copy
You need to show both the ORIGINAL ID and
of the original’ followed by their signature,
a photocopy of your ID to the person authorised
printed name, address, telephone number,
to certify ID. Please photocopy both sides of
qualification (eg Australia Post employee*, * Must be a permanent employee with at least 5 years
your licence.
police officer) and the date. of continuous service.
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 PDS_ID_B 01/11 page 1 of 2
B Transfer your old super into AustralianSuper
Request to transfer whole balance of superannuation benefits between funds
1. YOUR DETAILS
X X X X X
Given names Date of birth
D D M M Y Y Y Y
Other/previous names
Street address
Previous street address (if details with your from fund are different to those above)
Tax File Number (TFN) Sex Email

M F
2. FUND DETAILS
FROM: Fund’s name TO: Fund’s name
A U S T R A L I A N S U P E R
Fund phone number 1300 300 273

Fund address
Member number
Australian Business
Fund phone number 65 714 394 898
Number (ABN)
Member number Superannuation Product
Identification Number (SPIN)
STA0100AU
Australian Business
Number (ABN) You must check with AustralianSuper to ensure they can accept
Superannuation Product this transfer.
Identification Number (SPIN )
If you have multiple accounts with this fund, complete a separate
form for each account you wish to transfer. You can photocopy
this form, but each form must have an original signature.
3. PROOF OF IDENTITY
X I have attached a certified copy of my driver’s licence or passport
OR I have attached certified copies of both:
X Birth/Citizenship Certificate or Centrelink Pension Card X Centrelink payment letter or Government or local council notice (less
AND
than one year old) with my name and residential address.
4. AUTHORISATION
By signing this request form I am making the following statements: • I discharge the superannuation provider of my FROM fund of all
• I declare I have fully read this form and the information completed is further liability in respect of the benefits paid and transferred to
true and correct. AustralianSuper.
• I am aware I may ask my superannuation provider for information I request and consent to the transfer of superannuation as described
about any fees or charges that may apply, or any other information above and authorise the superannuation provider of each fund to give
about the effect this transfer may have on my benefits, and do not effect to this transfer.
require any further information.
Date
Signature
D D M M 2 0 Y Y
OFFICE USE ONLY

Telephone 1300 300 273 Web www.australiansuper.com PDS_ID_B 01/11 page 2 of 2
C Boost your super
After-tax contributions
Please complete in pen using BLOCK letters. Print ‘X’ to mark boxes where applicable. Once you have completed this form,
please mail it to the address shown at the bottom of the page overleaf. Faxed copies cannot be accepted.
Note: Use this form for after-tax contributions. Salary deductions must be arranged with your employer.
1. PERSONAL DETAILS
X X X X X
Given names
Street address
Date of birth Tax File Number (see overleaf) AustralianSuper member number
D D M M Y Y Y Y
2. DIRECT DEBIT REQUEST

Complete this section if you’d like to make direct debit payments from your nominated bank account. You should read the direct debit request service
agreement overleaf before completing this direct debit request, and keep a copy of the Agreement for your records.
I request and authorise AustralianSuper, the user (user ID number 116298), to arrange for any nominated amount AustralianSuper may debit
or charge me to be debited through the bulk electronic clearing system from an account held at the financial institution identified below, subject
to the terms and conditions of the direct debit request service agreement (and any further instructions provided below). Note: Direct debit may
not be available on the full range of accounts, if in doubt, please check with your financial institution.
Name of your financial institution
Address of your financial institution State Postcode
Name/s the account is held in (usually your name) BSB number Your account number
By signing this form below, you acknowledge having read and understood the terms and conditions governing the debit arrangements between
you and us as set out in this request and in your direct debit request service agreement. Note: Your bank account will be debited on either the
7th, 14th, 21st or 28th of the month. Your form must be received at least five days prior to one of these dates.
Amount to be deducted Amount in words
$
Frequency (mark one): X Monthly X Fortnightly X Quarterly
3. LUMP SUM PAYMENTS
Please find attached my cheque for $ to contribute to my AustralianSuper account. Please make all cheques
out to ‘AustralianSuper’. Or log on to www.australiansuper.com to make a payment using BPAY® or Postbillpay®.
4. ELIGIBILITY TO CONTRIBUTE
To be able to make voluntary contributions, you must meet one of the eligibility criteria under superannuation laws. To confirm that you are
eligible to contribute, please mark (x) the box below that describes your circumstances.
X I am under the age of 65
X I have reached age 65 but not age 75, and have worked at least 40 hours in a period of 30 consecutive days in the current financial year.
Please contact AustralianSuper immediately if your circumstances change.
There’s an annual limit of $150,000 (or $450,000 averaged over three years if you’re under age 65) on after-tax contributions. Amounts exceeding this will be taxed at 46.5%.
5. DECLARATION
To complete this form, sign and date below.
Signature Date
D D M M 2 0 Y Y
If you have completed the direct debit request section and the account with your financial institution is in joint names, the other account holder
must also sign and date this form, below.
Other account holder (if applicable for direct debit)
Signature Date
D D M M 2 0 Y Y
® Registered to BPAY Pty Ltd ABN 69 079 137 518.

® Australia Post, Postbillpay and their associated device marks are trademarks OFFICE USE ONLY
(registered or otherwise) of the Australian Postal Corporation ABN 28 864 970 579. Member number
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 PDS_ID_C 01/11 page 1 of 2
6. DIRECT DEBIT REQUEST SERVICE AGREEMENT
The direct debit facility is available on personal accounts only. The Fund is unable to direct debit a business account.
1. Why an agreement? 5. Make sure you have enough money in your account
Through the direct debit request (DDR) you are allowing us to You should make sure that you always have enough cleared
debit amounts from your bank (or other financial institution) account. funds in your account (by the due date) for us to debit your
The amount we will debit from your account depends on your account. If there isn’t enough money (cleared funds) in
instructions to us via the DDR form or any changes appropriately your account, we will still make the debit. But if your bank
notified to us. dishonours the debit we may pass on to you any dishonour
fees and/or any costs incurred by the Fund.
2. If AustralianSuper wants to change this agreement
We will notify you at least 14 days before changing this agreement. 6. Confidential
We will keep your bank account details confidential except
3. If you want to change your direct debit arrangements when a court order applies, if AustralianSuper’s bank needs
or make an enquiry information about your account, or if you give us permission
to reveal your bank details.
Please contact us if you wish to:
• delay or change your direct debit (you need to advise us in writing 7. Check that you give us your correct details
at least three days before the date we will debit your bank account) Before completing this form, please check that:
• cancel the DDR (you will need to advise us in writing at least three • your bank account accepts direct debiting as some don’t, and
days before we will debit your bank account), or
• the account number you give us is correct (refer to your bank
• dispute a debit that has been made from your bank account – we statement or contact your bank if necessary).
will respond to your dispute within five business days.
8. Check your bank statements
4. Due date for direct debits, weekends and public holidays Make sure the right amount has been deducted from
Your account can be debited on either the seventh, fourteenth, your account.
twenty-first or twenty-eighth of the month (or the next business day
where this falls on a weekend or public holiday). Payment frequencies
available are fortnightly or monthly.
7. TAX FILE NUMBER NOTIFICATION

Under the Superannuation Industry (Supervision) Act 1993, your It is not an offence not to quote your TFN. But if you do not
super fund is authorised to collect your Tax File Number (TFN), provide your TFN:
which will only be used for lawful purposes. • Benefits paid to you will be taxed at the highest marginal rate
These purposes may change as a result of legislative change. plus the Medicare levy
The trustee of your super fund may disclose your TFN to another • AustralianSuper may not be able to locate other benefits for
super provider when your benefits are being transferred, unless you in the fund, and
you request otherwise in writing.
• AustralianSuper will not be able to accept after-tax contributions
from you, and other contributions may be subject to additional tax.
Please return this completed form to: AustralianSuper, GPO Box 1901, MELBOURNE VIC 3001
Telephone 1300 300 273 Web www.australiansuper.com PDS_ID_C 01/11 page 2 of 2
D Choose AustralianSuper nomination
For your employer to pay super into your AustralianSuper account
1. PERSONAL DETAILS
X X X X X
D D M M Y Y Y Y
Street address
Employee identification number (if applicable)
2. SUPER FUND DETAILS

Fund name
AUSTRALIANSUPER
Account name (usually your name)
Your member number (this is listed on your benefit statement) Australian Business Number (ABN)
65 714 394 898
Superannuation Product Identification Number (SPIN) Fund telephone number (8.00am to 8.00pm AEST, Monday–Friday)
STA0100AU 1300 300 273
3. DECLARATION
I wish to nominate AustralianSuper as the eligible fund for my super contributions.
Signature Date
D D M M 2 0 Y Y
Once you have signed this form, please give it to your employer – don’t send it to AustralianSuper.
4. NOTE TO EMPLOYERS (EMPLOYER USE ONLY)

The Choice of Fund legislation provides that this nomination form is a legally acceptable means of nominating choice of super fund.
It is an allowable alternative to an Australian Taxation Office’s Standard Choice form. It provides all the details you need to pay an
employee’s future Superannuation Guarantee (SG) contributions to AustralianSuper.
AustralianSuper is a complying super fund and will accept SG contributions. Overleaf is a copy of AustralianSuper’s compliance
statement and details of how you can pay contributions into AustralianSuper.
r
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OFFICE USE ONLY

Member number
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 PDS_ID_D 01/11 page 1 of 2
5. COMPLIANCE STATEMENT (EMPLOYER USE ONLY)
I certify, on behalf of the Trustee of AustralianSuper (Fund), that:
a. The Fund is a resident regulated super fund within the meaning of the Superannuation Industry (Supervision) Act 1993 (SIS Act).
The Fund holds Registrable Superannuation Entity Registration Number R1001693.
b. The Fund is a complying super fund within the meaning of the SIS Act and has never received a notice of non-compliance from the
Australian Prudential Regulation Authority.
c. The Fund is able to accept superannuation contribution for eligible persons. These contributions are maintained and subsequently paid
only in accordance with the Superannuation Industry (Supervision) Regulations 1994.
d. The Fund is not subject to a direction under Section 63 of the SIS Act.
e. The Fund has never previously been subject to a direction under Section 63 of the SIS Act.
f. This letter satisfies the requirements of Section A, Question 4 of the Standard Choice form issued by the Australian Taxation Office that the
Fund is:
(i) a complying fund,
(ii) will accept Superannuation Guarantee contributions on behalf of eligible persons from an employer, and
(iii) provides details of how an employer can make contributions to AustralianSuper (see below).
g. The Fund offers insurance cover that meets the minimum requirements, set out in the Superannuation Guarantee (Administration) Act 1992,
of a fund to be offered by an employer where an employee does not choose a fund.
Ian Silk
Chief Executive
For and on behalf of AustralianSuper
1 November 2009
6. PAYMENT OPTIONS (EMPLOYER USE ONLY)

AustralianSuper offer employers flexibility with five ways to pay super contributions:
1. BPAY®: Using BPAY, employers can pay super contributions through their bank, credit union or building society.
2. Postbillpay®: Employers can make Postbillpay payments over the counter at almost 4,000 post offices in Australia.
3. Direct debit: AustralianSuper can automatically deduct the required amount from an employer’s account each month – bank, building society
or credit union – once we receive their completed contribution advice.
4. Electronic funds transfer: Employers can automatically transfer funds to a dedicated AustralianSuper bank account.
5. Cheque: We bank all cheques on the day of receipt when employers send the relevant contribution advice (or reference number) and their
employer number. Cheques should be made payable to ‘AustralianSuper’.
7. FOR EMPLOYER RECORDS (EMPLOYER USE ONLY)

This section must be completed when the employee returns the completed form to you.
Date valid choice is accepted Date you act on your employee’s valid choice
D D M M 2 0 Y Y D D M M 2 0 Y Y
8. FOR MORE INFORMATION

If you have any questions about this form, we’re here to help.
Call: 1300 300 273 Email: www.australiansuper.com/email
® Registered to BPAY Pty Ltd ABN 69 079 137 518.

® Australia Post, Postbillpay and their associated device marks are trademarks (registered or otherwise) of the Australian Postal Corporation ABN 28 864 970 579
Please return this completed form to: AustralianSuper, GPO Box 1901, MELBOURNE VIC 3001
Telephone 1300 300 273 Web www.australiansuper.com PDS_ID_D 01/11 page 2 of 2
E Make an investment choice
Complete this form to choose your investment options, or to change how your existing account balance and/or any future contributions
are invested. Please complete in pen using BLOCK letters. Print ‘X’ to mark boxes where applicable. Form must be completed in full.
1. PERSONAL DETAILS
X X X X X
Given name Date of birth
D D M M Y Y Y Y
Street address
Email Existing member number (if applicable)
If you do not agree to AustralianSuper using these details for the purpose of sending information to you about
superannuation products and services, investment information, and third-party products, please mark the box here. X
2. INVESTMENT CHOICE DECISION

• I want to change options for both my existing account balance > Complete columns ‘A’ and ‘B’ in part 3 below
(if applicable) and my future contributions.
• I am a new AustralianSuper member and would like all my future > Complete column ‘B’ only in part 3 below
contributions to be invested in the selected options.
• I want to change options for my future contributions only. > Complete column ‘B’ only in part 3 below
• I want to change options for my existing account balance only. > Complete column ‘A’ only in part 3 below
• I want to nominate an investment choice for a one-off payment. > Complete column ‘C’ only in part 3 below
• I want to invest in ASX 200 Shares. > Complete part 4 on page 2
3. PREMIXED AND DIY MIX OPTIONS

Fill out the percentage you would like to invest in each investment option in whole percentages (no decimal places). Each column
must add up to 100%. Investment choice switches can be made weekly. If we receive this form by close of business Friday, the switch will
be effective the following Tuesday. If you switch options part-way through a financial year, interest will be credited or debited to your account
using the relevant daily crediting rate.
A B C*
INVESTMENT Existing account balance Future account balance One-off payments
OPTIONS Invest my existing Invest all my future Invest my cheque or rollover
account this way contributions this way payment this way
PreMixed
High Growth % % %
Balanced % % %
Sustainable Balanced % % %
Conservative Balanced % % %
Stable % % %
Capital Guaranteed % % %
DIY Mix
Australian Shares % % %
International Shares % % %
Australian Sustainable Shares % % %
International Sustainable Shares % % %
Property % % %
Australian Fixed Interest % % %
International Fixed Interest % % %
Diversified Fixed Interest % % %
Cash % % %
Total (must add up to 100%) % % %
* Only complete this column if you’re attaching a Boost your super form (with your cheque) or a Transfer your old super into AustralianSuper form.
If you are having problems filling out this form please call 1300 300 273.
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 PDS_ID_E 01/11 page 1 of 2
4. ASX 200 SHARES OPTION
To choose more than nine shares, please photocopy this form and sign it for verification purposes.
Name of listed company Number of shares Instruction to continue

ASX code
Write the name of each company How many shares do you Action after suspension
of listed
in the S&P/ASX 200 Index in which want to buy or sell? Please mark (x) See notes 6 and 7 below.
company
you want to buy or sell shares. See notes 5 and 9 below. Please mark (x)
ABC ABC Company 1000 X BUY X SELL X BUY X SELL
X BUY X SELL X BUY X SELL
The ASX 200 Shares option allows you to invest up to half of your existing account balance in one or more of the top 200 companies
(by market capitalisation) listed on the Australian Securities Exchange, subject to your eligibility below.
1. Members must have a minimum existing account Any instruction to buy shares outside the 7. In the case of a suspension beyond a second
balance of $10,000 to invest in this option. S&P/ASX 200 will not be implemented. consecutive trading day, instructions will
automatically lapse unless the member has
2. Members may use a maximum of 50% of Standard & Poor’s reviews the composition of its otherwise specified in the application that the
their existing account balance (including interest) S&P/ASX 200 index on a quarterly basis. instruction is to be completed on the next
to purchase shares in this option. AustralianSuper trading day.
5. Each instruction to buy particular shares in a
3. Members may only invest up to 20% of their particular S&P/ASX 200 company must be 8. Members can continue to instruct the Trustee to
total existing account balance (excluding interest) worth at least $1,500. hold and sell shares in this option even though
in any one S&P/ASX 200 share holding. the shares are no longer in the S&P/ASX 200.
6. Instructions are acted upon on the first trading day
4. AustralianSuper offers shares in the S&P/ASX 200 of the following week and settled two days later. 9. Only member instructions as to numbers of shares
index only. You can check the current S&P/ASX In the case of an intraday suspension, instructions to buy or sell, and not dollar amounts are valid.
200 list by visiting www.australiansuper.com will be implemented when trade resumes.
5. DECLARATION
Everyone must complete this section. Please make sure you sign the completed form below. We may not be able to process your
application if you do not provide the information requested on this form.
By signing this form, I acknowledge that: 4. With the PreMixed options, the AustralianSuper 1pm on Friday regardless of how the instruction
1. I have read the investment choice information Trustee is responsible for appointing the investment was provided. To cancel a written instruction
in this Member Guide issued with this form. managers and for setting the strategic asset I must call AustralianSuper on 1300 300 273.
I understand that the booklet is a general guide to allocation and objectives for each option to meet the To cancel an instruction submitted via
investing and does not constitute personal financial needs of low, medium and higher-risk investors. MemberOnline, I may email AustralianSuper
advice. I acknowledge that AustralianSuper has 5. With the DIY Mix options, the AustralianSuper Trustee at asmic@superpartners.com.au or call
recommended that I seek financial advice should is responsible for appointing the investment managers, AustralianSuper on 1300 300 273. Any calls
I require it before making an investment choice but I am responsible for selecting a combination of the requesting cancellations must be made to
that is right for my needs and circumstances. available options to build an investment strategy and AustralianSuper prior to 8pm (AEST) on Friday
2. I understand the personal details requested on objectives that are right for me. of the week in which AustralianSuper received
this form will be used only to administer my super 6 I can switch all, or part, of my account balance to the instruction.
account and, if I agree, for sending information to another investment option weekly. Applications 8. I understand that if there is a conflict with the
me about super products and services, investment to switch investment options (except the ASX information in part 2, then the information in
information and third party products. 200 Shares option) received by AustralianSuper part 3 will override the option selected, except
3. The AustralianSuper Trustee is not responsible during Monday to Friday (or by midnight Sunday as outlined below.
for my investment choices and, if I do not select if submitted online), will be effective from the I understand that if I select option 1 in part 2 and
one or more of the available options on this form, following Tuesday. have not completed both the ‘existing account
AustralianSuper will invest my super in the Balanced 7. I understand switch instructions (except for the balance’ and ‘future contributions’ columns, both
option (the ‘default’ option) until such time as I make ASX 200 Shares option) can be cancelled prior will be invested in the same option/s.
a choice by completing another form or turn 75 at to 8pm (AEST) Friday (or up to midnight Sunday 9. Where I have selected the ASX 200 Shares
which time my balance will be transferred to the if submitted online) of the week in which they option, I have read the investment option
Conservative Balanced Option. are received by AustralianSuper. Cancellation acknowledgements on pages 30 and 31 in the
of ASX 200 transactions must be received by Investment Choice Guide.
Please sign and date here:
Signature Date
D D M M 2 0 Y Y
Full name
OFFICE USE ONLY

Telephone 1300 300 273 Web www.australiansuper.com PDS_ID_E 01/11 page 2 of 2
F Insurance transfer
You can apply to transfer Death, Total & Permanent Disablement (TPD) and/or Do not cancel your existing cover until you have received
Income Protection insurance cover you have outside of AustralianSuper if you are: confirmation in writing that your transfer request has been
• joining AustralianSuper for the first time or an existing member of accepted by AustralianSuper.
AustralianSuper, and If the Insurer (TOWER) accepts your application, you will be allocated
sufficient units of AustralianSuper cover or fixed cover to replace the
• you have insurance through an employer-sponsored super plan or an individual level of cover you currently have under your former fund in addition
insurance policy outside of super from a life insurer (‘individual insurer’).
to any cover (if applicable) you currently have with us. Read Section 4
You will need to: overleaf for details. Your allocation of cover (if accepted) will be based
• complete Parts 1, 2, 3 and 4 (below and overleaf), providing all the required on either the Professional, Low Risk or Standard occupational ratings as
details and acknowledging the duty of disclosure section of this form, and applicable, based on the information that you have provided on this form.
• attach an up-to-date statement from your former fund (‘former insurer’) Acceptance of your transfer request is subject to the Insurer’s
or individual insurer (‘former insurer’) confirming the type and level of cover acceptance and some limitations apply.
you have with the former fund or individual insurer. (We must receive this
evidence within 45 days of it being issued.)
1. PERSONAL DETAILS
X X X X X
D D M M Y Y Y Y
Street address
Name of employer Your member number
Employer address
Name of former fund/individual insurer Former fund member/individual policy number Former fund SPIN (if known)
2. PERSONAL STATEMENT AND CONFIRMATION OF REQUIREMENTS

1. Please confirm (by marking (X) in the box below) that the following statements are true and correct:
a) I will cancel all insurance cover with my former insurer within 60 days of receiving confirmation from AustralianSuper of my successful
transfer application, and
b) I will not be transferring the cover under my former insurer to any other division or section of the former insurer or to any other fund,
other than AustralianSuper, and
c) I will not effect a continuation option, or subsequently reinstate any cancelled cover within the former insurer or any other division,
section or category of the former insurer, or within any fund or insurance policy where such reinstatement of cover is available to me, and
d) I must transfer all types of cover I have under my former insurer.
I confirm that all four statements are true and correct and agree to abide by these requirements Yes No
If you’ve answered NO you will not be eligible for insurance transfer in AustralianSuper. If you are a new member you
will still receive default cover (conditions apply). You are not required to complete the remaining sections of this form.
2. I confirm that my current level and type of cover under the former insurer is as follows:
Death cover $ , , . Date cover started D D M M Y Y Y Y
TPD cover $ , , . Date cover started D D M M Y Y Y Y
Income protection $ , . per month Date cover started D D M M Y Y Y Y
Please select the type of cover you would like: Units of cover OR Fixed cover
Current Income Protection waiting period (such as 30 days, 60 days, 90 days, 180 days)
Current Income Protection benefit period (such as 2 years, 5 years, to age 60, to age 65)
I understand that my cover above, once accepted, will be in addition to any existing insurance cover I may hold with AustralianSuper and will
be subject to the terms and conditions of AustralianSuper’s insurance arrangements (see Part 4 of this form for details).
AustralianSuper only offers a benefit period of two years and waiting periods of 30 or 60 days (cover will be matched to what is closest to your current waiting period).
Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 PDS_ID_F 01/11 page 1 of 2
2. PERSONAL STATEMENT AND CONFIRMATION OF REQUIREMENTS (CONTINUED)
3. Are you restricted, due to injury or illness, from cover (conditions apply). You are not required
carrying out the identifiable duties of your current and to complete the remaining sections of this form.
normal occupation on a full-time basis (even if you
6. Is your cover under the former insurer
are not currently working on a full-time basis)? Yes No
subject to any premium loadings and/or
Full-time basis is considered to be at least 30 hours per week. exclusions, including but not limited to pre-
4. Have you been paid, or are you eligible to be existing condition exclusions, or restrictions
paid, or have you lodged a claim for a TPD in regards to medical or other conditions? Yes No
benefit from AustralianSuper, another If YES, please provide details of the premium loading,
super fund or life insurance policy? Yes No exclusion or restriction, including a copy of the advice you
5. Have you been diagnosed with an illness that received from the former insurer advising you
reduces your life expectancy to less than of the acceptance of your cover subject to these additional terms.
12 months from the date of this application? Yes No
If you answered YES to any of the questions 3 through to 5
you will not be eligible for insurance transfer in AustralianSuper.
If you are a new member you will still receive default
3. OCCUPATIONAL RISK RATING

Occupational classification questions an office performing administrative-style duties), please
1. Are the duties of your occupation limited to provide details of your occupation. If you do not fall into this
professional, managerial, administrative, clerical, category, please leave this field blank.
secretarial or similar ‘white collar’ tasks which
do not involve manual work and are undertaken
entirely (or at least 80%) within an office
environment (excluding travel time from one
office environment to another)? Yes No Please note
2. Are you earning more than $80,000 per Eligibility for a Low Risk or Professional occupational rating is subject
year from your profession? Yes No to acceptance by the Insurer.
3. Do you hold a tertiary qualification or are If accepted, all cover (whether it is Death or TPD cover on either the
you a member of a professional institute units of cover or fixed premium rates or Income Protection, including
or registered by a government body? Yes No the previous cover held with AustralianSuper) will be converted to the
accepted occupational rating.
4. Are you in a management role? Yes No If the Insurer rejects your application for a Low Risk or Professional
5. If you answered No to Question 1 but in your occupation you occupational rating, all of your Death and/or TPD cover will be
complete minimal duties outside of an office environment provided under your previous occupational rating. Similarly, all of your
and you do not complete any manual work (ie. you work within Income Protection cover (if applicable) will be based on your previous
occupational rating premium rate.
4. ACKNOWLEDGEMENTS
I acknowledge that: then any insured benefit that may be payable to me or my estate or
• if I do not fully complete, sign and date this application, I will not be my beneficiaries from AustralianSuper may be reduced by the insured
eligible to transfer my existing cover to AustralianSuper, and amount paid or payable from my former insurer; an associated section or
division of the former insurer; or other fund; or any policy issued under any
• if the Insurer accepts my application, I will receive (a) Death cover and TPD option that I exercised, as a consequence of my failure to abide by these
cover equal to the amount of my existing cover under my former insurer conditions. This reduction in benefit will, however, be limited to the extent
in addition to any cover that I currently have and/or (b) the greater of my existing that my benefit from AustralianSuper is no less than I would have been
Income Protection cover under my former insurer or any Income Protection eligible to receive under the terms of the policy between AustralianSuper
cover that I currently have. Additional cover is allocated as follows: and the Insurer had I not applied for a transfer of cover.
– sufficient number of units of AustralianSuper cover rounded up
to the next whole unit, or Your duty of disclosure
– equivalent amount of fixed cover in AustralianSuper rounded up Before you enter into or become insured under a contract of life insurance
to the nearest $1,000, and with an insurer, you have a duty under the Insurance Contracts Act 1984 to
• the maximum cover that can be transferred is $2 million for Death disclose to the insurer every matter that you know, or could reasonably be
expected to know, that is relevant to the insurer’s decision whether to accept
and TPD and $20,000 per month for Income Protection (subject to
the risk of the insurance and, if so, on what terms. You have the same duty to
AustralianSuper’s maximum cover limits), and disclose those matters to the insurer before you extend, vary or reinstate your
• my replacement cover will not commence in AustralianSuper until the later of: insurance. Your duty, however, does not require disclosure of a matter:
– the Insurer has accepted my application, and
– cancellation of my existing insurance cover under my former insurer, and
• that diminishes the risk to be undertaken by the insurer
• that is of common knowledge
• AustralianSuper and the Insurer may undertake appropriate enquiry and • that your insurer knows or, in the ordinary course of its business,
investigation to verify the answers I have provided, and
ought to know, or
• AustralianSuper and the Insurer may investigate whether any restrictions • as to which compliance with your duty is waived by the insurer.
that may have applied within the terms of the policy document were
applicable to the type and/or level of cover stated on the up-to-date Non-disclosure
statement from the former insurer, and If you fail to comply with your duty of disclosure and the insurer would not
• I agree to provide AustralianSuper or the Insurer with access to the have covered you on any terms if the failure had not occurred, the insurer
health evidence I provided to my former insurer in my application for may avoid the cover within three years of issuing it. If your non-disclosure is
cover and any non-disclosure to a former insurer may be acted upon fraudulent, the insurer may avoid your cover at any time. An insurer who is
by AustralianSuper or their Insurer, and entitled to avoid your cover may, within three years of issuing it, elect not to
avoid but to reduce the sum that you have been insured for in accordance
• the total of my transferred cover and existing cover with AustralianSuper with a formula that takes into account the premium that would have been
is not over $3 million for TPD and $50,000 per month for Income payable if you had disclosed all relevant matters to the insurer.
Protection (there is no maximum for Death cover), and
For information on the insurer’s privacy and information-handling practices,
• should it become apparent to AustralianSuper or the Insurer that I have read their Privacy Policy Statement at www.toweraustralia.com.au or call
not undertaken the requirements that I confirmed in Part 2 above, 1800 226 364 for a copy.
Signature Date
D D M M 2 0 Y Y
OFFICE USE ONLY

Please return this completed form with attachments to: Member number
Telephone 1300 300 273 Web www.australiansuper.com PDS_ID_F 01/11 page 2 of 2

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Member Guide

Combined Product Disclosure Statement and

About this Member Guide Look for updates online

Name and contact details of Trustee:

www.australiansuper.com | 1300 300 273

The extra information available is listed below:

The standard arrangement on joining Your choices

Investments – see page 9 for details

Insurance – see page 18 for details

How your account works

www.australiansuper.com | 1300 300 273

We open and set it up Money is and investment You get an

You or your • Investment • From your Investment You receive

Transfer your old accounts

Set up a savings plan

Try out MemberOnline

To try out MemberOnline, use your member

Contributions from your employer

www.australiansuper.com | 1300 300 273

Salary sacrifice from before-tax income

Salary 65,000 65,000

SG contributions 5,850 5,850

Salary sacrifice contributions 2,600 0

Taxable income 62,400 65,000

– Income tax 13,452 14,325 Adds an extra

Source: AustralianSuper Contributions calculator, July 2009.

Use our Contributions calculator at www.australiansuper.com/calculators to see

Co-contribution ($) for after-tax contribution of…

www.australiansuper.com | 1300 300 273

There are lots of ways to make • Cheque/money order: Send the

Contributions for your spouse

You can download the Spouse

‘Making voluntary contributions

www.australiansuper.com | 1300 300 273

Not ready to make a choice?

High Growth Balanced (default) Sustainable Balanced

Conservative Balanced Stable Capital Guaranteed

Strategic asset allocation (asset allocation ranges are shown in brackets)

International Direct property

www.australiansuper.com | 1300 300 273

Strategic asset allocation

Expected frequency of negative annual return

Strategic asset allocation

www.australiansuper.com | 1300 300 273

Expected frequency of negative annual return

www.australiansuper.com | 1300 300 273

Notes to investment options – pages 10 to 14

DIY Mix options

Australian Shares 13.34 12.23 5.17 3.85 8.01 6.26

www.australiansuper.com | 1300 300 273

Total & Permanent Disablement (TPD) cover

Transferring your existing The Occupational Rating Wizard at

www.australiansuper.com | 1300 300 273

When you join your Occupational Rating will

What is the cost of Death and TPD cover?

Cost per unit of cover

Type of cover Weekly cost per unit of cover

www.australiansuper.com | 1300 300 273

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Look after yourself and your family

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‘It’s a good feeling knowing I’m