WHY NGS SUPER?Benefits at a glance

We put members firstWe are an Industry SuperFund, so all our profits are directed to members.

Award-winning insuranceWe provide affordable, quality protection providing you with genuine support during your most difficult times.

Low feesWe keep our costs low to maximise your super. We don’t pay commissions to salespeople or agents, or dividends to shareholders.

Strong performanceWe aim to achieve competitive long-term returns on our investments. The 10-year return for the Diversified (MySuper) option was 8.48% p.a. at 30 June 2019.

Dedicated to youWe proudly support those in non-government education and community organisations through our long-standing commitment.

Financial adviceWe provide ongoing support, financial education and tailored advice from a team of qualified professionals.

Support and educationTo help you learn more about super, we offer complimentary meetings at your workplace with a dedicated Customer Relationship Manager.

SustainabilityWe’re committed to environmental, social and governance (ESG) principles across our investments, policies and business.

We understand that members have different needs and financial objectives.

Your super will automatically be placed in our competitive default investment option ‘Diversified (MySuper)’ if you don’t make your own investment choice.

Our investment performance objective for this option is to achieve a net return of 3% per annum above CPI over rolling ten-year periods (after tax and investment expenses).

If you want a more active role in your investment decisions, we offer 12 other investment options and a Self-Managed Direct Investment Option (DIO) which provides you with direct access to shares, term deposits and exchange traded funds. If you are unsure which option is right for you, we offer complimentary advice to our members.

Contact our dedicated customer team on 1300 133 177, between 8am and 8pm (AEST/AEDT) Monday to Friday. ngssuper.com.au/CRM

Talk to us, we’re here to help.An NGS Customer Relationship Manager can come to your workplace for a complimentary meeting to help answer any questions you may have.

Visit ngssuper.com.au/performance for monthly returns and more investment information.

NGS SUPER – MEMBER FLYER: BENEFITS AT A GLANCE

INVESTING INYOUR FUTURE

APRIL 2020

Default coverWhen you join, if you’re eligible for default cover it will commence on receipt of your next employer contribution once: ▪ your account balance has reached at

least $6,000, and

▪ you are aged at least 25 years.

If you want to receive default cover earlier, apply within 120 days of the date of your Welcome Letter.

Your insurance categoryIf eligible for default cover, your insurance category will be either NGS General or NGS Plus. The category and amount of cover you receive when you join the Fund depends on your employer’s occupation category, and your age.

Members who satisfy the occupation criteria and who earn more than $100,000 p.a. may be eligible for the NGS Select category which offers a 10% discount on insurance premiums.

Life/Terminal Illness and Total and Permanent Disablement (TPD) coverThis is an age-based cover and can provide a financial benefit as a lump sum payout if you die, become terminally ill or if you become totally and permanently disabled. Cover expiry age is:

▪ 75 for Life/TI, and ▪ 67 for TPD.

Income Protection (IP) coverThis cover provides you with an income if you are temporarily or permanently unable to work due to illness or injury. Default cover for eligible members provides a monthly benefit:

▪ following a waiting period of 90 days, with the benefit paid monthly in arrears

▪ with age-based cover where the sum insured changes with your age (e.g. age 27–64 default of up to $6,000/month)

▪ which can be paid for up to 5 years, or to age 67 (if earlier).

IP is subject to a maximum of 90% (including up to 10% super contribution) of your pre-incapacity income.

Keeping your insuranceIf your account becomes inactive for 16 months, we are required to cancel your cover unless you opt-in to keep your cover.

As an Industry SuperFund, we are run to benefit our members and keep our fees low, so your retirement savings grow faster. Fees and costs can be paid either directly from your account or deducted from your investment returns.

LOW FEES ANDAND CHARGES

* Investment fees and indirect costs are deducted from investment earnings before the unit price is determined and are not a direct charge to your account. Past indirect costs are not a reliable indicator of future costs. Actual costs will vary from year to year and will be shown in that year’s Annual Report available at ngssuper.com.au/annualreport

^ Diversified (MySuper): This is where your money will be invested if you do not select an investment option.

TYPE OF FEE

Diversified (MySuper)^ Accumulation account option

Investment fee* 0.56% p.a.

Administration fee $1.25 per week

PLUS 0.10% p.a. of your account balance, capped at $500 p.a.

Buy-sell spread Nil

Switching fee Nil

Exit fee Nil

Indirect costs* 0.13% p.a. of your account balance.

For full terms and conditions, please refer to the PDS and Fees, costs and tax fact sheet at ngssuper.com.au/PDS

We’re an award-winning super fund

Disclaimer: SuperRatings does not issue, sell, guarantee or underwrite this product. Go to superratings.com.au for details of its ratings criteria.

Disclaimer: For further information about the methodology used by Chant West, see chantwest.com.au

While most of us insure our homes and cars, we often forget about the most important thing of all — our ability to earn an income. Our insurance is a needs-based design, which means that the cover changes throughout your life to suit your needs at every stage.

ngssuper.com.au1300 133 177

With around 120,000 members and $12.3 billion invested, we're open to all. Join us now at: ngssuper.com.au/join

NGS SUPER – MEMBER FLYER: BENEFITS AT A GLANCE 2

Issued by NGS Super Pty Limited ABN 46 003 491 487 AFSL No 233 154 the trustee of NGS Super ABN 73 549 180 515.

4350

(022

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WE’VE GOT YOU COVERED

For full terms and conditions, please refer to our Product Disclosure Statement (PDS) and Insurance Guide available at ngssuper.com.au/insurance