your super your choice - transport super of outstanding service and superior investment performance...

transportsuper.com.au

your super your choice

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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 people, planet and profit our community involvementgroup your super savingsget to know us in person or onlineinsurance, just in casegetting your money in orderour track record

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who we are

it’s rewarding people, planet and profit our community involvementgroup your super savingsget to know us in person or onlineinsurance, just in casegetting your money in orderour track record

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.

who we are

Transport Super is part of MyLife MySuper and we are an award-winning family of industry superannuation and financial services.

With over 45 years’ experience supporting Australian workers, the fund has delivered a history of outstanding service and superior investment performance to all members.

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.

We are open to everyone and offer financial planning and advice services across Australia.

For more information about Transport Super: Visit: transportsuper.com.au Call: 1800 777 060

Your fund

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your life, your super, your choice

You are served by a team of understanding, compassionate and highly-skilled individuals. From our friendly Superannuation Specialists who provide general 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 Financial Planners 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

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it’s rewarding

Throughout the good and hard times, MyLife MySuper has 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 aim to grow your super and increase your personal wealth. We do this by setting investment targets above inflation (CPI) 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

*Dollar �gures calculated based on MyLifeMyMoney Superannuation Fund rolling per annum return to 30 June 2016 compared to SuperRatings SR50 Balanced (60-76) Index Master Trust Median rolling 10 year return as at 30 June 2016. Past performance is not an indicator of future performance.

How $50,000 has grown in the Balanced option over the last 10 years*

$92,000

$74,000

$50,000

$50,000

OTHERS

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Investment Options

What we invest in

Suggested Timeframe

Increase over the last 10 years

Australian Shares 100% Australian shares Very long (7-10 years+) 102%

$50,000

$101,000

Aggressive Australian and Overseas shares, Property, Infrastructure, Private equity

Very long (7-10 years+) 94%

$50,000

$97,000

Moderately Aggressive

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


$50,000

$95,000

Overseas Shares 100% growth assets


$50,000

$86,000

Your investment options: your choice

With 14 options to choose from, deciding where to invest your super is a very important personal choice.

Your investment style 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 102% over ten years. This means that $50,000 in this option increased to $101,000.

*Dollar figures calculated based on MyLifeMyMoney Superannuation Fund rolling per annum return to 30 June 2016.

RISK LEVEL HIGH 6

RISK LEVEL HIGH 6

RISK LEVEL VERY HIGH 7

RISK LEVEL HIGH 6

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Investment Options

What we invest in

Suggested Timeframe


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

Long (5-10 years+) 107%

$50,000

$103,000

Balanced (MySuper option)

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

Long (5-10 years+) 85%

$50,000

$92,000

Moderately Conservative

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

Short to Medium (3-5 years+)

75%

$50,000

$88,000

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


75%

$50,000

$88,000

Diversified Fixed Interest

100% Fixed interest Medium (3-5 years+) 57%

$50,000

$78,000

Cash 100% Cash

Short (1 year+) 47%

$50,000

$74,000

Investment Options

RISK LEVEL LOW-MEDIUM 3


1 RISK LEVEL VERY LOW

RISK LEVEL MEDIUM-HIGH 5


RISK LEVEL MEDIUM 4

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Investment Options

What we invest in

Suggested Timeframe


Conservative Balanced

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

Medium (5 years+) 26%

$50,000

$63,000

RetirePlus Australian and Overseas shares, Property, Cash, Infrastructure

Medium (5 years+) 24%

$50,000

$62,000

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


This option commenced 1 April 2015, so no long-term data is available yet.

Self Managed OptionInvestment Option

What you can invest in More information

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.

For more details, please refer to mylifemysuper.com.au/mylifemyportfolio.

Recent Investment Options

Past performance is not an indicator of future performance.

RISK LEVEL MEDIUM 4



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 LEVEL VERY LOW 1


Risk Ratings for Investment

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.

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Our fund has OVER


investments






FOUNDATION MEMBER

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people, planet and profit






Our fund has OVER


investments






FOUNDATION MEMBER

A more sustainable future

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. The fund has over 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 built on our 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.

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our community involvement

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 2017, 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 investments

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group your super and save

Did you know you pay fees on every super account you have?

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

Our members were more than $14,000 better off over the last 10 years than the average person. We delivered an additional $11,000 in returns than the average super fund, while charging $3,000 less in fees.*

Imagine how much more super you can save by grouping your other accounts with us!

Visit: transportsuper.com.au Call: 1800 777 060

How?

Simply call us and we’ll do the work for you:

Save money by grouping your super quickly and easily

* Information and dollar figures quoted from the SuperRatings Benchmark Report 2016, based on a member’s account with a starting account balance and salary of $50,000. Past performance is not an indicator of future performance.

1.Search for all your lost super and ATO

lost money

2.See all your

super in one place

3.Group all

the accounts you want. No forms

required!

Simple!

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get to know us in person or online

MyLife Online gives you access to your membership any time. 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 MyLife MySuper with other funds

• Calculators – Your insurance needs, budget planner and other easy to use tools.

If you prefer a more personal approach, our Superannuation Specialists 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: transportsuper.com.au Call: 1800 777 060

A simple way to access your details

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insurance,just in case

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.

Visit: mylifemyinsurance.com.au Call: 1300 963 720

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 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.

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getting your money in order

As 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, and• with salary packaging.

Simple help is provided free to Transport Super 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 planning

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our track record

We are recognised

Like you, we take pride in doing the best we can. We strive to deliver customer satisfaction through service that is at the forefront of the industry. That’s what distinguishes us from other funds.

That’s why we’re Best Pension Fund Manager winner in Money Magazine’s Best of the Best 2017 awards.

Our Fund 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 focused on you and your staff, with low fees and high performance.

We have been recognised as having the most satisfied superannuation customers in Australia.*

* 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 you

TS002 011216

Call1800 777 060 8am to 8pm AEST Monday to Friday

Visittransportsuper.com.au

[email protected]

PostGPO Box 4303 Melbourne VIC 3001

Brisbane 5/303 Coronation Drive Milton QLD 4064

Melbourne1/535 Bourke Street Melbourne VIC 3000

Canberra3/59 Wentworth Ave Kingston ACT 2604

PerthSt Brigid’s Centre 60 John Street Northbridge WA 6003

Darwin1 Dashwood Place Darwin NT 0820

SydneyPolding Centre 7/133 Liverpool Street Sydney NSW 2000

GeelongAshby House 1 Malone Street Geelong VIC 3220

WarrnamboolSuite 15 715 Raglan Parade Warrnambool VIC 3280

Hobart35 Tower Road New Town TAS 7008

your super your choice - transport super of outstanding service and superior investment performance...

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