your super your choice - mylife mysuper mlms...of superior investment performance, ... receive...

mylifemysuper.com.au

your super your choice

Member owned

An industry super fund – all operating profits are returned to members

Responsible investment

For a more sustainable future

Excellent performance

We aim to provide the best possible return over the long term

Platinum service

Our people work really hard to make super easy for you

Low fees

Our fees are significantly lower than the industry average

Really good advice

Our advisors can be trusted to focus solely on your needs

We serve with care and expertise so that you can reap the financial rewards of a great working life.

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Chair of the Investor Group on Climate Change

Featured in the Financial Institutions Taking Action on Climate Change 2014 report

Australian Council of Superannuation Investors (ACSI)Founding member

Listed in the 2014 Low Carbon Investment (LCI) Registry

2003 commencedutilising domesticand global ESGengagementspecialists

CatholicSuper has OVER

$500,000,000invested inlow carbontransition

investments

Australian Founding Signatory to UN Principles for Responsible Investment (UNPRI)

September 2014 addressed world leaders during UN Climate Summit

2014 Global Investor Statement on Climate ChangeSignatory

Australian Council of Super Investors Inc.A C S I

Carbon Disclosure Project (CDP)

FOUNDATION MEMBER

your super guidewho we are

it’s rewarding your super saving stylepeople, planet and profit our community involvementget to know us in person or onlineinsurance, just in casegetting your money in ordercombine your super savings our track record

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MyLife MySuper is a division of the MyLifeMyMoney Superannuation Fund, which has been a leading provider of superannuation and retirement services to members and employers across Australia for more than 40 years.

MyLife MySuper offers award-winning superannuation that has delivered a history of superior investment performance, together with a menu of flexible investment options that cater for different investor needs. Free investment switching allows our members to change their investment strategy as their needs change.

With fees well below the industry average, we have consistently proven to be one of the best value for money industry super funds in Australia and been recognised for demonstrating excellent environmental and social principles.

MyLife MySuper is open to everyone and also offers financial planning and advice services across Australia.

For more information about MyLife MySuper: Visit: mylifemysuper.com.au Call: 1300 MYLIFE (695 433)

Your fund who we are

Tania, Practice Support Manager 11 years

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You are served by a team of understanding, compassionate and highly-skilled individuals. From our friendly Superannuation Specialists who provide advice, to our investment professionals, who are some of the best in the business, there is a common goal – to give you peace of mind about your money.

We are trusted by our members with their superannuation savings. We deliver excellent long-term returns and consistently exceed our targets as well as those of other funds.

Service is the heart of what we do. We want to help you with understanding and knowledge. If you need something clarified or sorted out, call us. We are real people who know what to do and how to help you.

We are not a bank or a profit making corporation. All operating profits end up in your super.

We provide financial advice to help secure your future. Our Superannuation Specialists are independent of big banks and commercial corporations. They do not receive commissions or bonuses because your money should work for you.

Our Superannuation Specialists are only a phone call away and ready to help you set up your future.

Our Board is elected and each Director is a member. Members not only share the profits but also shape our future.

Your team your life, your super, your choice

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MyLife MySuper is a division of the MyLifeMyMoney Superannuation Fund which started in 1971. Throughout the good and hard times, we have successfully protected and grown our members’ super savings.

We’re proud of our position as one of the most successful super funds and we are focused on growing your savings over the long-term.

We do this by setting investment targets above inflation (CPI). We aim to grow your super and increase your personal wealth. So your money is not eroded by inflation and high fees.

Look how we’ve performed over the past 10 years and compare us to others.

Outstanding growth since 1971

Growth of other RetailFunds (SuperRatings

Master Trust Median*)

*Dollar �gures calculated based on MyLifeMyMoney Superannuation Fund rolling per annum return to 31 March 2015 compared to SuperRatings SR50 Balanced (60-76) Index Master Trust Median rolling 10 year return as at 31 March 2015. Past performance is not an indicator of future performance.

How $50,000 has grown in the Steady (Balanced) Option over the last 10 years*

$104,000

$87,000

$50,000

$50,000

it’s rewarding

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Deciding where to invest your super is a very important personal choice. We offer 15 different choices. Some of these include portfolios with 100% of one type of investment (ie. Property) while other portfolios have a mix of investment types.

How do you choose?

We’ll give you the tools to help you choose the investment option that best suits you, or our Superannuation Specialists are on-hand to help you for free and without obligation.

What’s your investment style? It’s your choice

your supersaving style

$113,000

$104,000

$92,000

Accelerate(Aggressive)

Steady(Balanced)

Cautious(Conservative)

Investment Type10yr Return*

*Dollar �gures calculated based on MyLifeMyMoney Superannuation Fund rolling per annum return to 31 March 2015.

How $50,000 has grown in three investment options over the last 10 years*

RISK LEVEL LO

W-M

EDIU

M

3

6

5

RISK

LEV

EL M

EDIU

M-H

IGH

$50,000

$70,000

$90,000

$110,000

RISK

LEV

EL H

IGH

20152005 2010

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Investment Options

What we invest in

Suggested Timeframe

Increase over the last 10 years

Property 100% Property, Listed property (20% growth assets, 80% defensive assets)

Long (5-10 years+) 107%

past returns over 10 years

$50,000

$103,000

Overseas Shares 100% growth assets

Very long (7-10 years+) 97%


$50,000

$98,000

Prudent (Moderately

Conservative)

Australian and Overseas shares, Property, Infrastructure, Fixed interest, Cash

Short to Medium (3-5 years+)

89%


$50,000

$95,000

Cautious (Conservative)

Australian and Overseas shares, Property, Infrastructure, Fixed interest, Cash


84%


$50,000

$92,000

Diversified Fixed Interest

100% Fixed interest Medium (3-5 years+) 60%


$50,000

$80,000

Cash 100% Cash Short (1 year+) 52%


$50,000

$76,000

Investment OptionsInvestment Options

What we invest in

Suggested Timeframe


Coast (Conservative Balanced)

Australian and Overseas shares, Property, Private equity, Fixed interest, Cash, Infrastructure

Medium (5 years+) 22%


$50,000

$61,000

RetirePlus Australian and Overseas shares, Property, Cash, Infrastructure

Medium (5 years+) 22%


$50,000

$61,000

FlexiTerm Deposit

Term Deposit, Cash

Short (1 year+) 6%


$50,000

$53,000

Retire Stable Australian and Overseas shares, Property, Cash, Infrastructure


Not applicable as available from 1 April 2015

Self Managed OptionInvestment Option

What you can invest in Availability

Offers members a new level of choice and direct control over their investments through an online investment and share trading option. You can now invest in a range of shares, exchange traded funds (ETFs) and term deposit options.

Available from September 2015

RISK LEVEL MEDIUM-HIGH 5

Recent Investment Options

RISK LEVEL VERY LOW 1


Investment Options

What we invest in

Suggested Timeframe


Australian Shares 100% Australian shares Very long (7-10 years+) 151%


$50,000

$125,000

Accelerate (Aggressive)

Australian and Overseas shares, Property, Infrastructure, Private equity



$50,000

$113,000

Go (Moderately Aggressive)

Australian and Overseas shares, Property, Private equity, Infrastructure, Fixed interest, Cash



$50,000

$107,000

Steady (Balanced – MySuper

product)

Australian and Overseas shares, Property, Infrastructure, Private equity, Fixed interest, Cash

Long (5-10 years+) 109%


$50,000

$104,000

Your Investment Options

RISK LEVEL VERY HIGH 7

MyLife MySuper has 15 investment options. What option is best for me?

The easy answer is the portfolio with the highest return. But the real answer is, it’s different for everyone.

It depends on your age, your income, your savings and your personal circumstances, including how close you are to retirement.

The good news is we can help you choose. To help you understand the choices, please see details of each option including the increase we have achieved over the last ten years (or less where applicable).* For example our Australian Shares option increased by 151% over ten years. This means that $50,000 in this option increased to $125,000.

*Dollar figures calculated based on MyLifeMyMoney Superannuation Fund rolling per annum return to 31 March 2015. Past performance is not an indicator of future performance.

RISK LEVEL HIGH 6


RISK LEVEL HIGH 6

RISK LEVEL LOW-MEDIUM 3


RISK LEVEL MEDIUM 4

RISK LEVEL MEDIUM 4


RISK LEVEL HIGH 6


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Chair of the Investor Group on Climate Change

Australian Council of Superannuation Investors (ACSI)

Utilise domesticand global ESGengagementspecialists

OVER$500,000,000

invested inlow carbontransition

investments

Signatory to UN Principles for Responsible Investment (UNPRI)

September 2014 addressed world leaders during UN Climate Summit

Australian Council of Super Investors Inc.A C S I

2014 Global Investor Statement on Climate Change

Carbon Disclosure Project (CDP)

Risk Ratings Risk Label Estimated number of negative annual returns over any 20 year period

Very high 6 or Greater

High 4 to less than 6

Medium to high 3 to less than 4

Medium 2 to less than 3

Low to medium 1 to less than 2

Low 0.5 to less than 1

Very Low Less than 0.5


RISK LEVEL VERY HIGH 7

RISK LEVEL LOW 2

RISK LEVEL HIGH 6

RISK LEVEL MEDIUM 4



Risk Ratings for Investment

We understand that the welfare of our members in retirement is influenced by the social and environmental amenity of the world in which they live.

Investment in our future

An important aspect of our investment philosophy is to make sure every dollar works for you responsibly. Responsible investment is all about achieving returns as well as investing in socially and/or environmentally sustainable investments. We surpassed half a billion dollars of investments in low carbon transition assets.* These assets meet both our risk and return objectives and are also contributing towards a climate resilient economy.

We strive to achieve the best investment returns, and do so responsibly. For us, a sustainable future is people, planet and profit.

• From the outset, it is about risk and return• Climate change is a risk we consider

in investment decisions• We achieve strong returns from

low carbon transition investments• We invest in low carbon opportunities

when our risk and return objectives are met

• Contribute towards the transition to a low carbon, climate adaptable economy and will continue to do so.

A more sustainable future

Each investment option includes a risk rating, these are the Risk Bands and Labels used by MyLife MySuper to help you compare options. These ratings represent the likely number of negative annual returns expected over any 20 year period.

people, planet and profit

*MyLife MySuper is a division of the MyLifeMyMoney Superannuation Fund.

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These are just some of the fantastic projects which deliver great returns, are sustainable, responsible and benefit the broader community.

Royal Adelaide Hospital – South Australia

Due for completion in 2016, the hospital will be the largest, most technologically advanced hospital in Australia and will form part of a Medical Research Precinct employing around 6,000 people.

Aspire Schools – Queensland

As part of a consortium, we’re building and maintaining seven new schools in South East Queensland, helping to support one of the fastest-growing communities in Australia.

Aspire Schools – Brightwater, Queensland

Queen Elizabeth II Medical Centre Car Park and Childcare Centre – Western Australia

We built and now manage the Queen Elizabeth Medical Centre car park and childcare facilities, providing stronger support to the Perth community.

QEII Medical Centre car park and childcare centre – Perth

Community investmentsour community involvement

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Your MyLife MySuper membership gives 24/7 access to MyLife Online. You can see how your super savings are growing, make investment choices and update your details.

On our website you can also use:

• Join Online• “Rate My Super”– an independent tool

which compares us with other funds• Calculators – Your insurance needs,

budget planner and other easy to use tools• Financial Health Check – to help you work

out your future financial needs.

If you prefer a more personal approach, our Superannuation Specialist will meet with you at your workplace, home or cafe.

You can also give us a call or attend free workshops held regularly around the country.

Visit: mylifemysuper.com.au Call: 1300 MYLIFE (695 433)

Simple ways to access your details, it’s your balance

get to know us in person or online

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It’s good to be covered

Did you know that you can get low cost insurance through your super? If something happens, you and your family can be looked after with insurance that covers loss of life, income or disability.

Types of insurance

Income Protection

Many people insure their house or car but overlook insuring their greatest asset - their future earnings. If you are unable to work because of illness or injury, this insurance will replace part of your future earnings.

We’ve created a handy survey to help you assess the level of insurance appropriate for you and your family. Simply log onto MyLife Online and access

the MyLife MyInsurance portal or telephone our Superannuation Specialists to arrange cover today.


Total and Permanent Disablement Insurance

If you become disabled and unfit to ever be able to work again, this insurance will give you a lump sum payment.

Death

If you become terminally ill, this insurance will give you a lump sum payment. If you suddenly pass away the lump sum payment is made to your family or estate.

Who gets your super if you were to pass away?

Please let us know who you would like us to pay.

insurance,just in case

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SSSSSS

SSAs well as growing your super and providing low cost insurance, we also offer a team of skilled and experienced financial advisers who focus solely on you and your needs.

Our qualified financial advisers can help you achieve your lifetime financial goals. They are impartial because they are salaried employees and do not receive incentives to recommend any particular product or service providers.

Do you need help with your everyday finances?

We can help you:

• set financial goals and budget• plan for a comfortable retirement• protect yourself and your family

with insurance• manage debt• pay no more tax than you have to• understand age pensions and other

Centrelink issues• with estate planning• with aged care advice• with salary packaging.

Simple advice is provided for free to MyLife MySuper members. More detailed advice taking into account your personal circumstances is available for a reasonable fee. (In most cases, this can be paid directly from your super account.)

Financial Advice and Planninggetting your money in order

“ Good financial planning saves money in the long term and gives you peace of mind that your life goals will be achieved.”

Leonie, member 4 years

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Super savings are better together

Why leave your super lying around in inactive accounts and pay fees for each one?

No one wants to have their super lying around in inactive accounts generating extra paperwork and unnecessary fees.

With your entire super in one place you are:

• paying only one set of fees for managing your super

• having less paperwork to manage• reducing the chance of ending up with

lost super accounts if you only have one to keep track of.

The good news is we can help gather your super for you into one strong and reliable account. We will do the hard work for you. Simply call us or do it yourself through MyLife Online.


Join today. Joining is easy!

combine your super savings

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Recognised

Customer satisfaction is at the forefront of what we strive to deliver. That’s what distinguishes us from other funds.

MyLife MySuper is a new fund and part of a family of not for profit superannuation and financial services. Our group has been recognised as having the most satisfied superannuation customers in Australia.*

Our group has been awarded the SuperRatings Platinum rating. The rating means we are a ‘best value for money superannuation fund’ and is testimony that we are providing a service that is excellent value for money and completely member focused.

our track record

* Roy Morgan Research survey of members of Australia’s top 20 funds for the Superannuation and Wealth Management in Australia Report – May 2015.

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Issued by CSF Pty Limited (ABN 30 006 169 286; AFSL 246664), the Trustee of the MyLifeMyMoney Superannuation Fund (ABN 50 237 896 957; SPIN CSF0100AU). The information contained herein is about the Fund and is general information only. It has been prepared without taking into account your personal investment objectives, financial situation or needs. It is not intended to be, and should not be construed in any way as, investment, legal or financial advice.

We’d love to hear from youVisit mylifemysuper.com.au

Call 1300 MYLIFE (695 433) anytime between 8am and 8pm AEST.

MS038 080915

Brisbane

5/303 Coronation Drive Milton QLD 4064

Canberra

3/59 Wentworth Ave Kingston ACT 2604

Darwin

1 Dashwood Place Darwin NT 0820

Geelong

Ashby House 1 Malone Street Geelong VIC 3220

Hobart

35 Tower Road New Town TAS 7008

Melbourne

1/535 Bourke Street Melbourne VIC 3000

Perth

St Brigid’s Centre 60 John Street Northbridge WA 6003

Sydney

Polding Centre 7/133 Liverpool Street Sydney NSW 2000

Postal GPO Box 4303 Melbourne 3001

your super your choice - mylife mysuper mlms...of superior investment performance, ... receive...

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