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Fact Sheets
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The markets and your superannuation
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You are not alone if you’ve been worried about the recent
volatility in investment markets and how this could affect your
retirement nest egg.
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Energy Industries Rollover Plan
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The Energy Industries Rollover Plan
is designed for people who wish to
invest all or part of their Energy
Industries Superannuation Scheme
benefit or other monies
in the tax-effective superannuation
environment.
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Nominating Beneficiaries
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Nobody likes to think about what would happen
if they should die. For most people however,
superannuation is a significant asset, so it is
important that you consider where it should be paid in
the event of your death.
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Salary Reduction Provisions
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The value of a member’s Employer
Financed Benefit is directly related to
the member’s salary.
Any reduction in salary can therefore
result in an immediate reduction in
those entitlements.
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Investment Strategy Choices - Executive Scheme
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The Executive Scheme offers you a choice of five investment programs which are managed
by professional investment managers. Each strategy provides a different potential rate of
return and degree of volatility and has strict guidelines that the investment managers are
required to follow.
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Investment Strategy Choices - Accumulation Scheme
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The Accumulation Scheme provides
you with a choice of five investment
strategies managed by professional
investment managers. The strategies
have been designed to suit members
at different stages of their careers.
Each strategy offers a different
potential rate of return and degree of
volatility. You can select only one of
these strategies at any given time.
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Concessional Contributions - Accumulation Scheme
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When you make either concessional (i.e. before tax) contributions, which includes employer contributions, or non-concessional (i.e. after tax) contributions to your super, you should be aware that there are limits to how much you can contribute each financial year.
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Co-Contribution - Accumulation Scheme
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The Super Co-contribution was introduced
by the Commonwealth Government on July
2003, with the eligibility criteria widened with
effect from July 2004 allowing many more
individuals to qualify. We explain some of the
implications here.
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Concessional Contributions - Retirement Scheme
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This factsheet relates to the Federal Government's changes to superannuation (Better Super) as they relate to Retirement Scheme members. The particular change that we are focussing on is the new cap on concessional contributions that applies from 1 July 2007.
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Employer Financed Benefit Pension - Retirement Scheme
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Any member of the Retirement Scheme who was previously a member of the Local Government Pension Fund or NSW Retirement Fund would have retained the option to receive a portion of their superannuation benefit as a pension.
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Co-Contribution - Retirement Scheme
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The Super Co-contribution was introduced
by the Commonwealth Government on July
2003, with the eligibility criteria widened with
effect from July 2004 allowing many more
individuals to qualify. We explain some of the
implications here.
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Concessional Contributions - Defined Benefit Scheme
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This factsheet relates to the Federal Government's changes to superannuation (Better Super) as they relate to Retirement Scheme members. The particular change that we are focussing on is the new cap on concessional contributions that applies from 1 July 2007.
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Family Law Splits in the Defined Benefit Scheme
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The Family Law Act now provides a
mechanism for taking account of
superannuation entitlements when
negotiating property settlements
resulting from marriage
breakdowns and for the ‘splitting’
of those entitlements between the
two parties involved.
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Brochures
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Your Budget Planner - Plan today for a better tomorrow
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5 steps to make your money work harder for you.
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Make your super count
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With the growing demands of an
ageing population, forever tightening
welfare benefits, and greater
concessions given to self-supporting
retirees, the need to maximise
your superannuation to ensure a
comfortable retirement is
very important.
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Thinking of retiring?
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If you are planning for your retirement or considering a redundancy
offer, find out how to get the most out of your money.
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How safe is your super?
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The security of members’
superannuation is fundamental
to the Energy Industries
Superannuation Scheme.
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