Growing your super togetherGrowing your super together

AUGUST 2013

Our Super 101 shows you howPage 4

LIVE THE DREAM

Salary sacri� ce makes perfect sense

Page 5

MORE SUPERLESS TAX

MichelleQSuper member

since 2008

Get the latest

important super

updates

Page 6

WHAT’S

THE SCOOP?

You’re with one of the biggest and best Page 3TOP MARKS

Another great reason to stay with QSuper.

Pension Fund of the Year.

2 Super Scoop August 2013

> FROM THE COVERMeet MichelleI love hearing about members like Michelle, who are making smart moves with their super. By choosing to consolidate her super from other funds into QSuper, Michelle is potentially saving fees and building more for her future.

moves with their super. By choosing to consolidate like Michelle, who are making smart moves with their super. By choosing to consolidate moves with their super. By choosing to consolidate

Michel le QSuper member

My story

profilememberReal

Welcome2013 is a special year for QSuper, as we celebrate 100 years of helping members reach their goals. It’s a history I’m immensely proud to be a part of, but what I’m really excited about is what the future holds.

We know your needs are constantly evolving, so we’re always looking at ways we can do things better for you. Over the coming months you’ll see dynamic new developments such as enhanced access to your super through Member Online, as well as easier access to a range of tailored � nancial advice services through QInvest.1 QInvest has also recently launched a new mortgage broking service, exclusive to QSuper members, their families and friends.

A focus on the long termLast year we wrote to you about changes to the QSuper Balanced (Default) option designed to reduce volatility and smooth returns. This option has been one of the best performing funds over virtually all time periods.2 However we are focussed on the long term, and from talking to members we understand most of you want to protect your super from the ups and downs of investment markets, even if it means giving up some potential for higher returns in the short term.

With this in mind, we positioned this option to better protect against volatility, which means when markets are booming our returns may be a little lower than other funds. However when markets fall the opposite is true, and the QSuper Balanced (Default) option should deliver more stable returns.

I know it can be tempting to judge investment performance on year-by-year returns, but in reality super is a long-term investment so we believe it’s the long-term results that really count. Of course, with nine investment options you can also choose an investment strategy that suits your needs.

A message from QSuper’s CEO

Rosemary Vilgan

‘This is the stage of your life when you can really make a

di� erence to your future.’

QSuper for life We’re also about to embark on an exciting investment journey with the launch of our new QSuper Lifetime option. The enclosed brochure gives you a taste of things to come.

An award winning fundI take great pride in knowing that everybody at QSuper is committed to providing members with the best possible products and services. That’s why it was so pleasing to see independent ratings agency Chant West name the QSuper Pension account Pension Fund of the Year3 against the best super funds in Australia.

Another signi� cant milestoneIn this 20th anniversary edition of our award-winning magazine Super Scoop, we’ve put together a range of articles designed especially for members who are in the earlier stages of their working life. I understand that super may be the last thing on your mind, but early on in your career is when you can really make a di� erence to your future. The � rst step is to get to know your super, which is why we’ve put together a ‘Super 101’ article to take you back to the basics. Our salary sacri� ce article then shows you how to put some of this into practice.

Just a few simple actions now could see you living your dreams in the future, so I hope you take the time to read and enjoy this edition of Super Scoop.

Rosemary VilganChief Executive Officer, QSuper

Super that changes and grows with you

QSuper

2 Super Scoop August 2013

Track your super 24/7 Check your insurance cover Manage your investments

For more choice, control and convenience log in now at qsuper.qld.gov.au

Check out the new, improved Member Online. The enhanced features are too good to miss!

For more choice, control and convenience log in now at qsuper.qld.gov.au

Check out the new, improved The enhanced features are too good to miss!

Log in Log in Check out the new, improved

Log in Check out the new, improved

Log in Log in Check out the new, improved

Log in Check out the new, improved

miss outmiss out Check out the new, improved

miss out Check out the new, improved Member Online

miss outMember Online

Log in :) or miss out :(

1 QInvest Limited (ABN 35 063 511 580, AFSL and Australian Credit Licence number 238274) (QInvest) is ultimately owned by the QSuper Board (ABN 32 125 059 006) as a trustee for the QSuper Fund (ABN 60 905 115 063), and is a separate legal entity which takes full responsibility for the � nancial services and credit services it provides. 2 SuperRatings SMART, Product Comparison Report as at 30 June 2012, accessed 19 July 2013. 3 Inaugural Chant West Conexus Financial Super Awards 2013.

Members are at the heart of everything we do at QSuper, which is why we’re dedicated to o� ering you outstanding products and services. And the experts agree – our accounts have received the highest ratings from independent ratings agencies Super Ratings and Chant West.

We’re proud to be one of Australia’s top funds, but you don’t have to take our word for it – our Pension account has just been named the best in the country.

Another great reason to stay with QSuper.

Pension Fund of the Year.

1 As at 30 June 2013. 2 Past management fees should not be taken as an indication of future fees as each year the expenses of managing QSuper’s investment options may vary. 3 QSuper management fee is the actual fee for 2012/2013. 4 Average Retail Master Trust Fee of 1.44% p.a and average industry fee of 0.99% p.a. are as at July 2012 and based on an account balance of $50,000 in an option considered by the ratings agency to be equivalent to the QSuper Balanced (Default) option. Source: Chant West Super Fund Fee Survey April 2013.

One of the biggest super funds in Australia Did you know you’re partnered with one of Australia’s largest super funds? We have around $43 billion1 in funds under management, and with that size comes the security and bene� ts of scale that we pass onto you in the form of low fees and great products and services. And you’ll never be lonely as a QSuper member – with over 530,0001 members, we could � ll the Gabba nearly 13 times over!

The investment choice you needAt QSuper we understand the importance of giving you the choice, convenience and � exibility you need when it comes to investing your super. So, if you want to manage your own investments, we o� er a premium range of options to choose from. But if you’d prefer to take the hassle out of managing your super, we’re about to introduce a new default option called QSuper Lifetime. This option is designed to deliver the right super strategy at the right time by seamlessly adjusting your investments as you move through di� erent life stages.

Low feesThe more you pay in fees, the less you have in your account working for you. That’s why we keep our fees as low as possible,2 with the fee for the QSuper Balanced (Default) option being less than half that of the average retail fund. When comparing fees you should be aware that not all funds clearly outline the total costs which may be deducted from super accounts. It’s your money, so make sure you always know what you’re paying.

Great information and serviceIf you want to know more about your super, we’re here to help. Our award-winning Contact Centre answers around 300,000 calls a year, and we deliver more than 500 seminars, in nearly 60 locations, to around 25,000 members annually. Our website hosts a comprehensive range of information and calculators all designed to give you the information you need, when you need it, and in a way that’s easy to understand.

Advice you can trustWe know how important it is for our members to get the right advice at the right time, which is why we’ve been o� ering access to quality � nancial advice from QInvest for almost 20 years. QInvest advisers are super experts with a detailed understanding of QSuper products. And with o� ces in convenient locations throughout Queensland, the right advice is never far away.

0.57%0.99%

1.44%

QSuper3

Average Industry Fund4

Average Retail Master Trust4

Top marks.You’re with a top rated fund!

to stay with

Lyndel

to stay with

Neil

QSuper.

Ginette

to stay with QSuper.to stay with QSuper.

Philip

3Super Scoop August 2013

Track your super 24/7 Check your insurance cover Manage your investments

For more choice, control and convenience log in now at qsuper.qld.gov.au

Check out the new, improved Member Online. The enhanced features are too good to miss!

Log in :) or miss out :(

Most of us have money going into a super account, but can you honestly say you understand the system? If the answer is no, you’re not alone. We know that for many members super isn’t top of their priority list. This is especially true for our younger members – so in this article we get back to basics and show you why taking an interest could really pay o� in the future.

What is it?Basically, super is a government legislated savings vehicle to fund your retirement. The idea is that you and your employer add to it over your working life, so you can fund your lifestyle in retirement. The most important thing to remember is that although there are restrictions that generally stop you from accessing it before you retire, it’s still your money. So if you don’t take an interest, you could end up with less down the track. And it’s not all about the distant future either – most super accounts come with insurance, giving you peace of mind today that if you can’t work due to illness or injury, you’ll still be able to pay the bills.1

How does it work?It’s really just simple arithmetic. In an accumulation style account contributions go in, and tax, fees, and often insurance premiums, come out. Your account balance then grows over the long term with investment returns.

What’s going in?At the very least you’ll have what’s known as the superannuation guarantee (SG), which is the amount your employer must pay into your account. It’s currently 9.25% of your salary,2 but over the next few years the SG rate is due to increase to 12%. If you’re a Queensland Government

employee you’re even better o� , because if you make a personal contribution of up to 5% of your salary your employer contributes up to 12.75%.

Understanding your super now, means you could live your dreams in the future.

101means you could live your dreams in the future. Super

Why should I care now?This period of your life is when you have the most opportunity to make a real di� erence to your future, however distant it may seem. And it needn’t be a hassle – the following tips require minimal time and e� ort, but could have huge impact on your future lifestyle.1. Contribute more. A no brainer, but did you know that due to the power of compounding, just adding a few extra dollars a week now could give you tens of thousands more in retirement?3 And if you earn less than $48,516 and make an after-tax contibution you could be eligible for a payment from the Federal Government in the form of the super co-contribution.4

2. Salary sacri� ce. Depending on your circumstances you could pay less tax and boost your super while still keeping the same take home pay. (See page 5.)3. Consolidate. If you have more than one account you could be throwing away money in fees and risk losing track of your super. It’s your money, so keep hold of it!4. Investment choice. QSuper has nine investment options. Are you in the one that’s best for you?

1 Insurance is subject to eligibility, you should check with your super fund to see what cover may be available to you. 2 Salary for superannuation purposes. 3 Caps apply to the amount of money that can be contributed to super. Refer the Accumulation Account PDS for more information. 4 See qsuper.qld.gov.au/cocontribution for more information.

Get to know your super onlineDo you know how much you have, how it’s invested, or even how much is going in each year? If not, it may be time to get to know your super by registering for Member Online.

4 Super Scoop August 2013

Introducing QInvest LoanFinder, our new mortage broking service.Another great benefit of your QSuper membership.QInvest’s specialist brokers have access to hundreds of lending products and will go the extra mile to find the best deal for you. Our commission rebate will also save you money so you can pay off your loan sooner. Why not make an appointment today?

50% rebate calculated on the amount of ongoing commission (excluding GST) payable to QInvest. Rebate offer not available to GST-registered borrowers. The credit services advertised are provided by QInvest, not the QSuper Board or QSuper Limited (together the QSuper Group). QInvest is ultimately owned by the QSuper Board (as trustee for the QSuper Fund), however the QSuper Group does not receive any direct payments or commissions from QInvest as a result of members using the LoanFinder service. Members should make their own assessment regarding the suitability of this service for their individual needs.

qinvest.com.au/loanfinder 1800 643 893

Cecilia and Anthony, QInvest clients since 2006

Exclusive to QSuper members, their families and friends.

Advertisement

5

The circumstances described in this case study are used for illustrative purposes only and the person depicted is not a real member. 2 Rounding has been used in calculating this � gure. Post-tax standard contribution is 5% of gross salary. Tax rates used are for the 2012/2013 � nancial year. For all other assumptions please refer to the QSuper Salary Sacri� ce Calculator at qsuper.qld.gov.au/calculators. The information in this article should not replace � nancial or taxation advice. Caps apply when contributing to super.

Super Scoop August 2013

Pay supercontributions

Take-homepay

Take-homepay

Pay income tax

Pay income tax

Salary

Without salary sacri� ce

With salary sacri� ce

Pay supercontributions

Salary

The resultsAaron realises that by salary sacri� cing his standard contributions he can boost his take home pay. If he salary sacri� ces this extra amount into his super as a voluntary contribution, he can increase his overall annual superannuation contributions by $933 each year, and still retain his original take home pay.

Aaron’s situationAaron has worked for Queensland Health for the past ten years, but he’s worried he won’t have enough super in retirement.He knows that contributing just a little more each fortnight could make a big di� erence, but he can’t see where the money could come from. He hears about salary sacri� ce and wonders if it could help.

Name: Aaron Age: 32 Salary: $65,000 Standard contribution: 5%

How can salary sacri� ce help me?

Contributions to super(after 15% contributions tax is deducted)

Standard $2,763contributions

Voluntary $1,420contributions

Total $4,183

Income tax paid $12,001

Without salary sacri� ce

Gross salary $65,000

Contributions to super

Standard $3,250contributions

Voluntary $0contributions

Total $3,250

Income tax paid $13,671

Take-home pay $48,0782 Take-home pay $48,078

Gross salary $65,000

With salary sacri� ce

Case study corner

By Sonia MullerFinancial Adviser

Brought to you by QInvest

Aaron

Aaron has $933 more going into super.

Same take-home pay

What if we told you there’s a way you can boost your super without reducing your take-home pay? It’s called salary sacri� ce and you may be able to take advantage of it if you currently make a personal contribution to your Accumulation account (such as the 2%-5% most Government employees are required to make). Salary sacri� ce is essentially paying for something with before-tax income rather than using after-tax money – the diagram shows how this works with your super contributions.

Contributing to your super this way could mean you end up with more in your pay packet (depending on your marginal tax rate). You can then contribute this tax saving to your super and you’re boosting your balance without being out of pocket!1

The case study below shows how this works in practice, or head to qsuper.qld.gov.au/salarysacri� ce for more info, including how to get started. You can also get over the phone advice from QInvest on whether salary sacri� ce is right for you – costs start at just $55. Call QInvest today on 1800 643 893.

Boost your super and pay less tax

1 Contributions to super are preserved until you reach your preservation age, or meet another cashing condition.

6 Super Scoop August 2013

scoopWhat’s the?Here’s the latest round-up of what’s new at QSuper, and for the super industry.Changes to QInvest feesQInvest o� ers quality � nancial advice to QSuper members on a range of topics, including their QSuper bene� t. QSuper contributes towards the cost of personal advice about your QSuper bene� t, but members are required to pay part of the total cost – this is called the member co-payment. From 1 November 2013, the member co-payment amount for QInvest � nancial advice will change in response to recently introduced Federal Government legislation. More information on QInvest’s fees can be found at qsuper.qld.gov.au/advice.

Switch limit removedTo give you more control over how your super is invested, QSuper has removed the limit on the number of investment switches you can make each year.1

Open an account for your spouse for $10The amount required to open a QSuper account for your spouse has been reduced from $500 to $10. Your spouse is then able to request that their non-Queensland Government employer pay their super contributions into this new account. See qsuper.qld.gov.au/spouse for more info.

MySuperMySuper is the name of the Federal Government reforms designed to provide Australians with access to low cost, easy to compare default superannuation products. Employers

must have a MySuper product as their default super fund for all employees no later than 1 January 2014. Super funds that wish to accept contributions from employers where a member hasn’t made a choice of fund must have a MySuper product that has been licensed by the Australian Prudential Regulation Authority (APRA). QSuper will be o� ering members the new QSuper Lifetime investment option as our MySuper product. More information about how MySuper may a� ect you can be found on the QSuper website.

Superannuation co-contribution changesThe Government has recently passed legislation to reduce the superannuation co-contribution. The maximum amount you can receive is now $500 per year. To be eligible to receive the maximum contribution your total income must be no more than $33,516. The co-contribution progressively reduces for incomes over this amount. More information about the co-contribution can be found on our website.

Increased concessional contributions capA transitional cap of $35,000 has been introduced for older Australians. However it is expected that the current cap of $25,000 will increase with indexation, and reach $35,000 for all Australians by 2019. See qsuper.qld.gov.au/contributionscap for more information.

Reform to penalties for exceeding concessional contributions cap Any contributions you make that exceed the concessional contributions cap will be taxed at your marginal tax rate, plus an interest charge. Additionally, you will now have the option to withdraw any excess contributions from your super fund. See qsuper.qld.gov.au/contributionscap for more information.

Important information from the QSuper BoardIntroduction of binding death bene� t nominations On 1 July 2013, the QSuper Board introduced changes which allow QSuper members to make a binding death bene� t nomination for their QSuper account/s. Your superannuation bene� t does not form part of your estate, so in the event of your death it will be paid as a lump sum at the discretion of the Board, usually to your dependant or to your legal personal representative. However a binding death bene� t nomination allows you to nominate who receives your bene� t in the event of your death.2

You can nominate your legal personal representative and/orone or more of your dependants. However if you do nominate more than one bene� ciary you must specify what proportion you intend each to receive. It is important to note that for your nomination to be valid, all bene� ciaries must still be eligible at the time of your death. A binding death bene� t nomination will be valid for three years from the date it was made, renewed or amended. If you submit a binding death bene� t nomination, the Board will be obliged to pay your death bene� t in accordance with this nomination, provided it is still valid at the time of your death. Therefore it

is important that you review your nomination regularly, and whenever your personal circumstances change. You can renew, amend or revoke your nomination at any time by completing and returning a new form.

More information can be found in the Binding Death Bene� t Nomination form and factsheet. You can download this publication from our website, or call us and we’ll send you a copy.

Changes to Accumulation account transfersFrom 1 July 2013, the QSuper Board is implementing a change to the rules around transfers out of your Accumulation account. If you are a Queensland Government and related entity employee you are now able to transfer amounts related to your Queensland Government employment to another complying super fund while still employed by a Queensland Government or related entity employer. These transfers can only be made once in any twelve-month period, and you must leave a minimum balance of $2,000 in your QSuper account. More information is available in the Accumulation Account Guide.

1 See the Accumulation account PDS for more information on our switching policy 2 QSuper’s governing rules contain provisions for State, Police and Parliamentary accounts requiring the QSuper Board to distribute certain bene� ts automatically to a member’s spouse or eligible children upon the death of a member. These provisions take precedence over an otherwise valid binding death bene� t nomination. Please call us for more information.

7Super Scoop August 2013

QSuper has nine investment options,1 each with di� erent strategies, objectives and risk pro� les. We publish a standard risk measure2 that estimates the probability of negative annual returns over a given period, but the level of investment risk that’s right for you is very individual, and the risks associated with di� erent asset classes can change over time. In this new regular feature, our Investments team provides details of how current market conditions could impact our investment options over the coming two to three years.

Understanding the potential impacts of market conditions on QSuper’s investment options

Risk OutlookTHE INVESTMENT

AUGUST 2013

Past performance is not a reliable indicator of future performance. 1 The QSuper Indexed Mix is closing in December 2013. 2 The Standard Risk Measure (SRM) is based on industry guidance which allows members to compare investment options that are expected to deliver a similar number of negative annual returns over any 20 year period. The SRM is not a complete assessment of all forms of investment risk, for instance it does not detail what the quantum of a negative return could be or the potential for a positive return to be less than a member may require to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return. For more information, please refer to the Investment Choice Guide, available on our website or call us and we can send you a copy. 3 Average annual return for the QSuper Cash option for the last ten years has been 4.13% per annum.

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Potential for lower returns than normal.3 The lingering e� ects of the GFC have seen central banks around the globe continue to reduce their cash rates. While the rate in Australia has not dropped to the extreme lows of some countries, it is still below the average for the last decade, and market pricing suggests it will remain so for a number of years. Members who have planned, or are planning, their retirement income around a speci� c cash return should be aware that returns over the next few years may be lower than anticipated.

Likely to be lower than recent strong returns. Another result of low cash rates is lower bond yields. For example, the yield on Australian Government ten-year bonds is currently 3.5% per annum, which is considerably lower than the rate of 6.5% seen in 2008. As yields have fallen signi� cantly, the high returns for this option over the past � ve years are unlikely to be repeated over the next � ve years. While the possibility of negative returns is relatively low, bonds can and do experience losses.

Slow growth and continuing volatility. There are currently a number of issues around the globe that are creating uncertainty for international share markets in the foreseeable future. These include the potential for lower than expected growth in the US, high levels of debt in Japan and the ongoing economic problems plaguing Europe. While returns for International Shares over the last year have been strong, the outlook for this option means that it is likely to experience ongoing volatility.

Cash

Diversi� ed Bonds

International Shares

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QSuper Balanced (Default)

QSuper Moderate

QSuper Aggressive

QSuper Socially Responsible

Global volatility and Chinese growth create uncertainty. Although this option is also impacted by the global economic issues outlined above, factors like the Australian housing market and Chinese growth could a� ect the returns of the Australian Shares option over the long term. There is a high concentration of mining and banking stocks in the Australian share market which are sensitive to changes in these economic conditions. Despite recent strong returns, this may lead to increased volatility for this option in the foreseeable future. Australian

Shares

Managing risk through diversi� cation. Our Ready Made options consist of various mixes of the asset classes discussed above, as well as having a degree of exposure to property, infrastructure and alternatives. Because of this, many of the potential market risks already discussed will apply to our Ready Made options (see our website for current asset allocations). For example, around half of the QSuper Moderate option is currently invested in cash, so the challenges associated with cash will be a factor. However the risks posed to both the International and Australian Shares options will be of more relevance for the QSuper Aggressive option, as it’s dominated by equity risk.

The QSuper Socially Responsible and QSuper Balanced (Default) options also have signi� cant equity risk, so they will be impacted by the global economic issues discussed above. These two options also invest in bonds, and although returns are expected to be lower than in previous years, bonds can often perform well when shares do poorly, so having exposure to both may reduce volatility.

All of our Ready Made options have exposure to property, infrastructure and alternative assets, such as shopping centres and airports, which are somewhat exposed to the economic cycle, but traditionally less so than shares. This can help to reduce volatility through exposure to a number of asset classes, which creates a diversi� ed portfolio.

A challenging outlook. Our investment specialists manage our options within ranges set by the QSuper Board, and constantly monitor markets in order to manage risk and identify emerging opportunities.

However the current investment environment poses a number of challenges, highlighting the importance of taking a diversi� ed approach to your investments in order to protect against the risk of too much exposure to any single asset class.

Talk to an expertIf you want advice on an investment strategy that is right for you, contact QInvest today.

1800 643 893 qinvest.com.au

For an expanded version, updated quarterly, head to qsuper.qld.gov.au/riskoutlook

Report Card As at 30 June 2013

QSuper investment options 1 year% p.a.

3 year% p.a.

5 year% p.a.

7 year% p.a.

2012/2013

% p.a.

DEFAULT OPTION

QSuper Balanced (Default)

9.60% 8.06% 4.51% 4.63% 0.57%

READY MADE OPTIONS

QSuper Moderate 6.96% 6.06% 4.45% 4.55% 0.42%

QSuper Socially

Responsible16.11% 7.31% 4.04% 3.77% 0.90%

QSuper Indexed Mix1 14.26% 8.40% 5.06% n/a 0.34%

QSuper Aggressive 15.32% 9.26% 3.27% 3.71% 0.62%

YOUR CHOICE OPTIONS

Cash 2.55% 3.44% 3.59% 3.89% 0.28%

Diversi� ed Bonds 4.92% 6.02% 8.31% 7.07% 0.36%

International Shares 22.12% 12.72% 3.08% 3.03% 0.28%

Australian Shares 20.11% 7.48% 3.25% 4.17% 0.28%

Investment returns Accumulation account

Managementfees

1 The QSuper Indexed Mix option has only been available to members since 1 February 2008 and returns are based on the period of operation only.

Past performance is not a reliable indicator of future performance. Returns may vary considerably over time. Each of our options has a different objective, risk profile and asset allocation. Visit the Investment options page on our website for more detailed information. Changes to inflation, fees, asset allocations, option objectives and risk play a significant part in the return of any investment option.

Contacting QSuperContact Centres70 Eagle Street Brisbane63 George Street BrisbanePh 1300 360 750+617 3239 1004 (international) Fax 1300 241 602+617 3239 1111 (international)Monday to Friday 8.30am to 5.00pm AESTGPO Box 200 Brisbane Qld 4001qsuper.qld.gov.au

Find us on:facebook.com/qsuperfundtwitter.com/qsuperfundyoutube.com/qsuperfund

SuperRatings does not issue, sell, guarantee or underwrite this product.Chant West has given its consent to the inclusion in this edition of Super Scoop of the references to Chant West and the inclusion of the logos and ratings or awards provided by Chant West in the form and context in which they are included. The Chant West ratings logo is a trademark of Chant West Pty Limited and used under licence. It is only current at the date awarded by Chant West. The rating and associated material is only intended for use by Australian residents within the jurisdiction of Australia and is not permitted to be considered or used by a party outside of Australia.

Important information This information is provided by the fund administrator, QSuper Limited (ABN 50 125 248 286 AFSL 334546) which is ultimately owned by the QSuper Board (ABN 32 125 059 006) as trustee for the QSuper Fund (ABN 60 905 115 063). This information has been prepared for general purposes only without taking into account your objectives, financial situation, or needs and should not be relied on as legal or taxation advice, nor does it take the place of such advice. Any statements of law or proposals are based on our interpretation of the law or proposals as at the time of printing. As a result, you should consider the appropriateness of the information for your circumstances and read the product disclosure statement (PDS) before deciding whether to acquire, or continue to hold, a product. You can obtain a PDS at qsuper.qld.gov.au or by calling us on 1300 360 750. Unless stated otherwise, all products are issued by the QSuper Board as trustee for the QSuper Fund. Where the term ‘QSuper’ is used in this document, it represents the QSuper Board, the QSuper Fund and QSuper Limited, unless expressly indicated otherwise. If you do not wish to be contacted except when required by legislation, please call us.

© QSuper Board of Trustees 2013. 6206 08/13 U368 Super Scoop August 2013

More information about QSuper’s performance can be found in our Annual Report, which can be downloaded at qsuper.qld.gov.au/annualreport from October 2013. If you would like a printed copy just call us.

2013 Annual Report

At only 13 cents to print a copy, Super Scoop is a great way for us to stay in touch. We also use eco-friendly paper and a Queensland-based printing company that is committed to a high standard of environmental awareness and preservation.

Get up-to-date news on the markets every Monday with the online Weekly Finance Report. You can also get in-depth commentary straight to your inbox every quarter with our Investment Update email.

Subscribe nowqsuper.qld.gov.au/qusignup

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