Core Super MySuper · If you don’t choose any option[s], you will be invested in the MySuper option, which is a balanced portfolio. You should consider the likely return, risk and

1. About Core Super ......................................3

2. How super works .......................................4

3. Benefits of investing with Core Super ......6

4. Risks of super ............................................7

5. How we invest your money ........................8

6. Fees and costs .........................................10

7. How super is taxed ..................................13

8. Insurance in your super ..........................15

9. How to open an account ..........................20

Forms included:Join Intrust Super and Choice of Fund

PDS[Product Disclosure Statement]

PREPARED 1 OCTOBER 2020

Core Super MySuper

[ 2 ] CORE SUPER | MYSUPER PDS | 1 OCTOBER 2020

1. About Core SuperThis Product Disclosure Statement (PDS) explains the features and benefits of Intrust Super Core Super | MySuper.

Putting you firstIntrust Super is run only to benefit our members. We don’t pay commissions to financial advisers or dividends to shareholders.

MySuper authorisedWe accept contributions from all employers. You can find our MySuper dashboard, director and executive remuneration details, Trust Deed and other important information at intrust.com.au/regulatory-information-product-dashboard.

This PDS summarises important information about Core Super | MySuper. It includes references to Other Important Information that is taken to form part of this PDS.

Important information is indicated throughout this PDS with this icon. As this document is a summary only, further detail regarding this information is in booklets called “Other Important Information”, which are available at intrust.com.au. Together with the PDS, the Other Important Information should be considered before investing in Core Super.

The information provided in this PDS is general information only and does not take into account your individual objectives, financial situation or needs. You should consider the PDS and obtain financial advice tailored to your own personal circumstances before deciding to invest in Core Super. Visit intrust360.com.au to find out about our financial advice services. To request a printed copy of this PDS or the Other Important Information referred to in this PDS call Intrust Super on 132 467. The information in the document is current at the date it is prepared and may change from time to time. The Trustee may provide updated information, including investment returns, by posting it on intrust.com.au.

Issued by IS Industry Fund Pty Ltd | MySuper Unique Identifier: 65704511371601 | ABN: 45 010 814 623 | AFSL No: 238051 | RSE Licence No: L0001298 | Intrust Super ABN: 65 704 511 371 | USI/SPIN: HPP0100AU | RSE Registration No: R1004397.

IS Financial Planning Pty Ltd ABN 64 143 707 439 trading as Intrust360° is a wholly owned subsidiary of IS Industry Fund Pty Ltd. Intrust360° is a corporate authorised representative of Link Advice Pty Limited ABN: 36 105 811 836 | AFSL: 258145 | Corporate Authorised Representative Number: 379207.

intrust.com.au | 132 467 [ 3 ]

2. How super worksSuper is money saved and invested for your retirement. Your savings will grow from money regularly contributed to your account and any positive investment returns.

Contributions to superEmployer contributionsEmployers pay a compulsory contribution to your super known as the Superannuation Guarantee [SG]. Currently this is an amount equal to 9.5% of your annual salary [subject to salary cap].

There are also other types of contributions that could help you grow your super.

Personal contributions• Before tax (concessional)* – includes salary sacrifice

contributions made by you, any personal contributions for which you claim a tax deduction and voluntary contributions made by your employer for which they claim a tax deduction.

• After tax (non-concessional)* – includes any extra additional contributions you make from your take-home pay, for which you don’t claim a tax deduction. After-tax contributions can also attract a Government Co-contribution depending on your income.

• Spouse contributions – you may contribute to your spouse’s super with either an after-tax or before-tax contribution. You may even receive a tax offset by helping them grow their super!

*Depending on your income and personal circumstances, you may be better off contributing before or after tax or using a combination of both. The Government places limits on the amount that can be contributed to super.

Low Income Superannuation Tax Offset If you earn $37,000 per annum or less and are otherwise eligible, the Government will provide a tax offset directly into your superannuation account up to a cap of $500 each year.


Where you put your super is almost always your choice Most people have the right to choose the fund their employer pays their SG contributions into. To find out if you are eligible for Choice of Fund, speak to your employer or contact us on 132 467.

Consolidate your super accountsKeeping all your super in the one place ensures your savings will not be eroded by unnecessary multiple administration fees. Go to intrust.com.au/findmysuper/ to find and combine all your super accounts today!*

*Before you consolidate your superannuation, check the fees and benefits of the other fund(s) including any insurance cover you will lose by consolidating. Seek advice if needed.

Accessing your superYou generally can’t access your super until you’ve reached your preservation age [which will be between 55 and 60, depending on when you were born]. In extreme circumstances such as severe financial hardship, you may be able to withdraw some super earlier.


3. Benefits of investing with Core Super | MySuper

We’re here to help you maximise your super. The benefits of Intrust Super Core Super | MySuper include:

Super Concierge – your dedicated Concierge Service waiting to help you with your Super. Register at intrust.com.au/super-concierge.

Online account and SuperCents apps – to track and grow your super.

A range of investment options to choose from, with a history of strong long-term performance.*

Multi-award-winning insurance options to protect you and your loved ones from financial stress.#

Intrust Super passes on the benefit of any tax deduction available to the Fund for insurance costs, to reduce your premiums.

Intrust360° – your financial advice solution, available whenever you need it – online with Super Blueprint, over the phone with Phone360° or face-to-face with Advice360°.^

Set up your online MemberAccess account at intrust.com.au/member-access

Download SuperCents today!

* SuperRatings Fund Crediting Rate Survey – SR50 Balanced (60-76) Index August 2020. Past performance is no indication of future returns.#Awarded by Money magazine’s Best Value Insurance in Super from 2013-2018.

^ There may be a fee for this service. IS Financial Planning Pty Ltd ABN 64 143 707 439 trading as Intrust360° is a wholly owned subsidiary of IS Industry Fund Pty Ltd ABN: 45 010 814 623. Intrust360° is a corporate authorised representative of Link Advice Pty Limited ABN: 36 105 811 836 | AFSL: 258145 | Corporate AuthorisedRepresentative Number: 379207.


4. Risks of superAll investments carry some risk.

Each person’s risk appetite will vary depending on factors including their age, investment timeframe, other investments and their risk tolerance. Having sufficient time invested in the market is an important consideration when choosing investments with different levels of risk.

The risks associated with superannuation include:

• The value of investment options [including MySuper] will rise and fall over time. Investment performance is not guaranteed, and you might lose money. Future returns may differ from past returns. The options with the higher expected long-term returns generally involve higher levels of risk and therefore a higher chance of short-term negative returns.

• Laws affecting super [such as superannuation laws, taxation and social security] may change at any time.

• The amount you save may not be enough to provide adequately for your retirement.

• Inflation may erode the final value of your investment.

• It may not be possible at all times to immediately convert your investments to cash. Intrust Super is aware of this risk and manages its investments and cash holdings to maintain adequate liquidity.

• Some options invest in overseas investments, which mean fluctuations in currencies could impact unit prices.


5. How we invest your moneyYou can choose any combination of our options listed below:

Pre-mixed options Single sector options

Stable Cash

MySuper option [default] Bonds [fixed interest]

Growth Property

Australian shares

International shares

If you don’t choose any option[s], you will be invested in the MySuper option, which is a balanced portfolio. You should consider the likely return, risk and your investment timeframe when choosing investment options.

MySuper investment optionThe MySuper investment option is designed for members seeking high returns with an investment timeframe of medium to long term, who are willing to accept some volatility.

Investment objective

To outperform [after fees and taxes] the consumer price index + 3% per annum over rolling ten year periods. This objective may differ from the prescribed return target disclosed on our MySuper dashboard which is calculated using a different methodology.

Investment mix

Asset Allocation Benchmark % Range %

Australian shares 28 15-35

International shares 27 15-35

Growth opportunities 5 0-10

Infrastructure 5 0-20

Property 10 5-20

Bonds 15 0-30

Cash 2 0-30

Defensive opportunities 8 0-20


Minimum investment timeframe: Medium to long term: Be prepared to stay invested in this option for at least five years. Under the industry “Standard Risk Measure”* this option falls into Risk Band 5.

Risk band 5: Medium to high. The estimated number of negative annual returns is three to less than four over any 20 year period.

Members will be notified of any material changes that occur to the MySuper option or any other investment option.

For more information please read “Core Super | MySuper Other Important Information – Investments” document.

Changing your investment optionsYou can choose or switch investments as often as you like through MemberAccess at no cost to you. Switches are currently processed weekly. From 1 December 2020, switches will be processed daily. If you need help choosing investments call us on 132 467. We’ll put you in touch with a licensed financial adviser.

You should read the document: “Core Super | MySuper Other Important Information – Investments” regarding all of Core Super’s investments before making a decision. This material about investments may change between the time you read this PDS and when you acquire the product. Visit intrust.com.au.

Socially responsible investing [SRI]The Fund’s investment decisions are primarily based on economic factors. We don’t consider labour standards nor environmental, social or ethical matters in selecting, retaining or realising Intrust Super’s investments, although sometimes these matters affect economic factors impacting investments.

*Superannuation funds are required to disclose the level of risk using the industry Standard Risk Measure for the purposes of comparing the risk attributes of investment options.


6. Fees and costsThe following warning is prescribed by Government legislation

Did you know?Small differences in both investment performance and fees and costs can have a substantial impact on your long-term returns.

For example, total annual fees and costs of 2% of your fund balance rather than 1% could reduce your final return by up to 20% over a 30-year period [for example, reduce it from $100,000 to $80,000].

You should consider whether features such as superior investment performance or the provision of better member services justify higher fees and costs. You may be able to negotiate to pay lower contribution fees and management costs where applicable. Ask the Fund or your financial adviser.

To find out moreIf you would like to find out more, or see the impact of the fees based on your own circumstances, the Australian Securities and Investments Commission [ASIC] website [www.moneysmart.gov.au] has a superannuation calculator to help you check out different fee options.

You should read the document: “Core Super | MySuper Other Important Information – Fees and Costs” regarding all of Core Super’s fees including the MySuper option, before making a decision. This material about fees and costs may change between the time you read this PDS and when you acquire the product. Visit intrust.com.au.

The table on the next page shows the fees and other costs that you may be charged and can be used to compare costs between different superannuation products. These fees and costs may be deducted from your account or from the returns on your investment.

Please note: Intrust Super does not negotiate fees.


Fees and costs: summary table – MySuper optionTypes of fee or cost Amount How and when paidInvestment feeInvestment fee11 0.77% per 0.77% per

annumannum2,3 2,3

[for the MySuper [for the MySuper option]option]

Deducted weekly (daily Deducted weekly (daily from 1 December 2020) from 1 December 2020) from gross earnings from gross earnings before unit prices are before unit prices are declared. declared.

Administration Administration feefee11

$1.50 per week$1.50 per week

PLUSPLUS 0.30% per 0.30% per annum of your annum of your account balanceaccount balance

Deducted from your Deducted from your account at the end of account at the end of each month.each month.Deducted from gross Deducted from gross earnings weekly (daily earnings weekly (daily from 1 December 2020) from 1 December 2020) before unit prices are before unit prices are declared. declared.

Buy-sell spreadBuy-sell spread NilNil N/AN/ASwitching feeSwitching fee NilNil N/AN/AAdvice feesAdvice fees44 relating to relating to all members all members investing in a investing in a particular product particular product or investment or investment optionoption

NilNil No advice fee is charged No advice fee is charged for providing general for providing general advice relating to your advice relating to your Intrust account.Intrust account.

Other fees Other fees and costsand costs

Refer to “Core Super | MySuper Other Important Refer to “Core Super | MySuper Other Important Information - Fees and Costs” document Information - Fees and Costs” document available on the Intrust Super website.available on the Intrust Super website.

Indirect cost Indirect cost ratioratio

NilNil Indirect costs are Indirect costs are included in the included in the Investment fee above.Investment fee above.

Additional fees may apply. You should read the “Core Super | MySuper Other Important Information – Fees and Costs” document about service fees and the fees and costs of all of Core Super | MySuper investment options, including the section Additional explanation of fees and costs. Our fees are not negotiable.

1. Administration and investment fees [including indirect costs] are capped at 3% per annum for members who have a final balance of less than $6,000 in any financial year. The 3% cap is calculated on the last day of each financial year or, where a member leaves the Fund part way through the year, on the date the member exits the Fund.

2. The Investment fee includes a performance-based fee of 0.02%.

3. These fees are an estimate, derived from the actual fees and costs for the Core Super | MySuper option for the year ended 30 June 2020.

4. Further fees and costs such as those for personal financial advice may apply.

Advice fee warning: Intrust Super does not pay commissions to financial advisers. However, if you engage the services of a financial adviser, including an Intrust360° financial adviser, you may be charged a fee. This fee should be agreed, in advance, between you and your financial adviser, and will vary depending on the type of advice given and legally must be set out in the Statement of Advice your adviser gives you.

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Example of annual fees and costs for the MySuper optionThis table gives an example of how the fees and costs in the MySuper 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.

Example – MySuper option Balance of $50,000Investment fees

0.77% per annum

For every $50,000 you have in the MySuper option you will be charged $385 each year.

PLUS Administration fees

$78.00 [$1.50 per week]

PLUS 0.30% per annum

And, you will be charged $78 each year as an Administration fee regardless of your balance, plus $150 indirect administration fee which will be deducted from your investment.

PLUS Indirect costs for the MySuper option

0.00% per annum

And, indirect costs of $Nil each year will be deducted from your investment.

EQUALS Cost of product

$613 If your balance was $50,000, then for that year you will be charged fees of $613 for the MySuper option.

Important notes:

• Additional fees may apply.• The Investment fee includes a performance-based fee of 0.02%.• The Investment fee shown is based on asset values as at 30 June 2020

and will vary year to year. • Performance fees are paid to Investment Managers if they exceed

agreed performance targets. The Performance fee shown above is the actual fee for the MySuper option for the year ended 30 June 2020. Performance fees will vary year to year and may exceed the Investment fee shown if Investment Managers exceed performance targets.

• The definitions for the fees in Core Super | MySuper are available at intrust.com.au/forms-documents.

Increases or changesThe Trustee reserves the right to change the fees charged at any time. Should fees [e.g. Administration fees] increase, we will ensure that you are notified in writing at least 30 days before any increase takes effect.


7. How super is taxedSuperannuation is taxed:• when certain contributions are made, • on investment earnings,

• if you take a benefit before retirement at 60.

We deduct the tax payable and remit it to the ATO. Super benefit payments are usually tax-free once you reach age 60.

Tax on contributionsContribution type Tax payableEmployer contributions 15% [if we have your TFN*]Salary sacrifice contributions 15% [if we have your TFN*]Personal after-tax contributions None*Co-contributions None

Low Income Superannuation Tax Offset None

*If you do not provide your TFN then your employer and salary sacrifice contributions will incur an additional tax of 32% and you are unable to make personal after-tax contributions.

Please note: If you exceed contribution caps, you may pay a much higher tax rate on any contributions that exceed the caps.

If your combined annual income and super exceed $250,000 you will pay an extra 15% tax on employer and salary sacrifice contributions.

Investment earnings are taxed at up to 15%. This tax is deducted before returns are declared, so unit prices are shown after tax.

Tax on benefits is a complex topic. We recommend you consider discussing your situation with a licensed financial adviser, as the decisions you make about how and when to take your benefit can affect the tax payable and your Age Pension entitlements. For up-to-date tax information, visit www.ato.gov.au/super or call the Australian Taxation Office on 13 10 20.

Generally:

• If you’re 60 or over, you will pay no tax on your benefit.

• If you’re between your designated preservation age and 60, your benefit will be made up of a tax-free and a taxable component. For 2020/21, the first $215,000 [called the low rate cap]* of the taxable component of a lump sum benefit is tax-free, with any amount above that limit taxed at your marginal tax rate or 17% [including Medicare Levy], whichever is lower.

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• If you’re under your designated preservation age, the entire taxable component of a lump sum benefit is taxed at your marginal tax rate or 22% [including Medicare Levy], whichever is lower.

• If you’re terminally ill, your benefit is tax-free.

*The low rate cap is indexed annually.

Rollovers in or out of a super fund are generally not taxed.

Lump Sum Death benefits paid to dependants [as defined for tax purposes] are tax free. If paid to a non-dependant, part of the benefit is taxed.

Total and Permanent Disablement benefits are taxed at different rates, depending on your age when you were disabled.


8. Insurance in your superEligible members will automatically receive the below insurance cover subject to meeting the PMIF Eligibility Conditions [age limits and other conditions apply*]. This cover provides a basic level of protection if you die, or become ill or injured.

• PayGuard Income Protection – can provide fortnightly payments of up to 90% of your wages and 10% of the benefit paid to your super account, if you become ill or injured and can’t work temporarily.

• Life cover – can provide a lump sum to you if you are terminally ill or to your beneficiaries if you die.

• Total & Permanent Disablement [TPD] cover – can provide a lump sum payment if you become totally and permanently disabled and can no longer work.

*Members who are under the age of 25 and have an account balance under $6,000 will not receive Death and TPD cover automatically until they satisfy this requirement (PMIF Eligibility Conditions) but can opt into Default Cover within 180 days of being First Eligible. Cover is Limited Cover until you satisfy an Active Employment requirement. Refer to the “Core Super | MySuper Other Important Information - Insurance” document for the definition of First Eligible, Limited Cover and other eligibility requirements.

You should read the document: “Core Super | MySuper Other Important Information – Insurance” regarding all of Core Super’s insurance before making a decision. This material about insurance may change between the time you read this PDS and when you acquire the product. Visit intrust.com.au.

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PayGuard Income Protection Insurance PayGuard provides a fortnightly in arrears benefit of up to 90% of the income you received before you became sick or injured for up to two years [104 weeks]*.

Waiting period Premium

21 days [default] 0.615% of your income

30 days 0.556% of your income



Your insurance premiums are used to cover the cost of the insurance policy as well as the cost of its administration, i.e. 3% of the insurance premiums are retained by the fund and go towards the administration cost of providing insurance.

*The maximum benefit period for a disablement caused by a Mental Condition is 52 weeks.

The longer you’re with us, the more you benefitMembers will receive a loyalty bonus if they have held continuous PayGuard cover for two or more years and have not made a claim. The benefit payment start date will be backdated to commence up to 21 days earlier depending on how long you’ve held cover. See table below:

Years of continuous cover with no claim

Benefit payment effective start date backdated by

Less than 2 years 0 days

2 years but less than 4 years 7 days

4 years but less than 6 years 14 days

More than 6 years 21 days


Life and Total and Permanent Disablement [Life & TPD] InsuranceThe default level of Life & TPD cover is two units [see table below for cover per unit]. It provides a lump sum benefit if you die, become terminally ill or become totally and permanently disabled. Cover is available up to age 65. Additional cover of another two units may be available without medical evidence within 180 days of being First Eligible or 180 days of meeting the PMIF Eligibility Conditions if you receive Default Cover on this date. This additional cover is provided on a Limited Cover basis for 24 months and is subject to satisfying a 30 consecutive day Active Employment requirement at the conclusion of this period.

Age last birthday Cover per unit

16 to 39 $150,000

40 $141,600

41 $134,500

42 $127,300

43 $120,100

44 $113,000

45 $105,800

46 $98,700

47 $91,500

48 $84,500

49 $77,300

50 $70,200

51 $63,100

52 $56,000

53 $48,800

54 $41,600

55 $38,100

56 $34,500

57 $30,900

58 $27,300

59 $23,700

60 $20,200

61 $16,600

62 $13,000

63 $9,400

64 $5,800

65 Nil

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You may be eligible for an additional unit of cover without the need for medical evidence, if specific ‘nominated events’ such as marriage or divorce occur. This additional unit of cover is provided on a Limited Cover basis for 24 months and is subject to a 30 consecutive day Active Employment requirement at the conclusion of this period before reverting to full cover.

For full details of restrictions and eligibility conditions, examples of ‘nominated events’ and information you need to decide whether additional units are appropriate for you, read the “Core Super | MySuper Other Important Information – Insurance” document available at intrust.com.au.

New members can use the Membership Application Booklet to apply for up to four units of “death and TPD cover” within 180 days of being First Eligible or extra cover above four units. Existing members can use the Application for Changes to Insurance form to apply or increase their cover to four units within 180 days of meeting the PMIF Eligibility Requirements or apply for extra cover. You can apply for up to $10 million in Life cover and $3 million in TPD cover. Your level of TPD cover can’t be more than your level of Life cover. Extra cover isn’t automatic. Applications are assessed by the Insurer who may require additional medical or other information. Cover does not commence until the date your application is approved by the Insurer. We will notify you of the Insurer’s decision.

The table below shows what you pay for [default] Life & TPD insurance cover:

Automatic cover [2 units] Each extra unit

$6.76 per week $3.38 per week

Paying for insuranceThe cost of both Life & TPD and PayGuard insurance is deducted from your Core Super | MySuper account each month. If you don’t want this cover, just indicate on your membership application form that you do not wish to take it up. You can also cancel or reduce cover by writing to Intrust Super at any time.


If you do not change or cancel your default cover, the Trustee will continue to deduct premiums for your default insurance cover from your account unless your account becomes inactive, refer below to ‘Cancellation of Inactive insurance’ for further details.

Eligibility conditions and exclusionsThe insurance cover provided under Core Super | MySuper is subject to eligibility conditions and exclusions. These may affect your entitlements to insurance cover or the circumstances when an insurance benefit may be payable under the Policy.

Eligibility is impacted by government legislation which prevents us from providing insurance cover to members under the age of 25 years of age or members with an account balance under $6,000.

You should read the document: “Core Super | MySuper Other Important Information – Insurance” regarding all of Core Super’s insurance before making a decision. This material about insurance may change between the time you read this PDS and when you acquire the product. Visit intrust.com.au.

Cancellation of inactive insurancePlease note that Life & TPD Insurance cover will automatically be cancelled where your account is deemed to be ‘inactive’ under Government legislation. To avoid this, you must either ensure you make a contribution or rollover at least every 16 months, or you nominate to retain this insurance by notifying the Fund, in writing, in advance. Intrust Super will notify you of the likely cancellation of your insurance cover in advance of its cancellation. Refer to the “Core Super | MySuper Other Important Information – Insurance” document for further information.

BeneficiariesYou can nominate who receives your death benefit when completing a member application on the form provided or in MemberAccess. You can make a preferred, or a binding nomination. There are laws regarding who you can nominate. Go to intrust.com.au/beneficiaries for more information.

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9. How to open an account1. Read this PDS and:

• “Core Super | MySuper Other Important Information – Fees and Costs”

• “Core Super | MySuper Other Important Information – Investments”

• “Core Super | MySuper Other Important Information – Insurance”

These booklets contain details of how Core Super | MySuper operates, its benefits and its features. If you need advice tailored to your personal situation, speak with a licensed financial adviser. Intrust360° can provide financial planning services to Intrust Super members. Visit intrust360.com.au to find out more about these services.

2. Complete the membership application which accompanies this PDS, or join online at intrust.com.au.

3. Return your completed membership application to Intrust Super. On joining Core Super | MySuper, you will receive a welcome pack and your member number.

Cooling-off periodA 14-day cooling off period only applies if you have made the choice to be an Intrust Super member yourself. During this period, you may write to the Trustee to cancel your membership and have any contributions transferred to a complying super fund, approved deposit fund or retirement savings account of your choice. We will not deduct fees from the repayment, however, the balance may be adjusted to take into account any positive or negative investment earnings and taxes payable.

ComplaintsWe aim to deal with enquiries and any complaints as quickly and effectively as possible. Please contact us using the details below to discuss your complaint:

Intrust Super, GPO Box 1416, Brisbane QLD 4001 or phone 132 467 or email [email protected]


We will do our best to acknowledge all complaints in writing within one working day of receipt. We aim to resolve all complaints within five working days where possible. In all other cases, we will resolve complaints within a maximum of 90 days.

If an issue is not resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority [AFCA]. AFCA has been set up by the Federal Government to provide fair and independent financial services complaint resolution that is free to consumers. Web [email protected] | Email [email protected] | Phone 1800 931 678 [free call] | In writing: Australian Financial Complaints Authority GPO Box 3, Melbourne VIC 3001.

Protect your super from being transferred to the ATO Lost Accounts. The Australian Taxation Office [ATO] takes control of superannuation accounts deemed as ‘lost’ every year. Please keep your details [phone number, email & address] up to date and inform your employer of your Intrust Super member number to ensure you receive all your membership benefits and don’t become ‘lost’. You can also opt in for SuperMatch and electronic communications, which enables us to search for lost super, stay in contact with you and avoid returned mail. You can do this via the membership application form, or by contacting us directly.

Inactive Accounts. To ensure accounts aren’t inappropriately eroded by fees, we are required to transfer accounts to the ATO if the account is below $6,000 and is inactive for 16 months. If this is likely to occur and you would like your account to remain ‘active’ you can take one of the following steps: • make a contribution, or regular contributions, to your

Intrust Super account;• rollover one or more accounts held with another

superannuation fund to Intrust Super*;• make or change a binding beneficiary nomination;• review and change your investments options or

insurance cover; or• advise the ATO, in writing, that you are not a member

of an inactive low-balance account.

*You should consider comparative fees and benefits, including the impact on your insurance cover, before consolidating superannuation accounts.

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Respecting your privacyProtecting your personal information is important to Intrust Super and is also a legal requirement. Our privacy policy outlines the type of information we will keep about you. It explains how we, and any organisation we appoint to provide services to you on our behalf, will use this information. For more information about our privacy policy and the way we handle your personal information, visit intrust.com.au.

Not yet registered for MemberAccess? Visit intrust.com.au to get started. Once you have registered for MemberAccess you can view your account balance, contact details and much more 24/7.


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VISIT Level 1, 10 Eagle Street, Brisbane QLD 4000

MAIL GPO Box 1416, Brisbane QLD 4001

PHONE 132 467 131 450 – Free translation service

EMAIL [email protected]

WEB intrust.com.au

Connect with us

HP/SHORT/PDS 831.1 10/20 ISS23

Documents

Core Super MySuper · If you don’t choose any option[s], you will be invested in the MySuper option, which is a balanced portfolio. You should consider the likely return, risk and