Make the move
towards simple, flexible superannuation and insurance
About Personal
Choice
Personal Choice is a simple and flexible solution to your
superannuation and insurance needs:
- Your choice - you select an
investment strategy from a range of options.
- Designed for regular contributions,
it is also suitable for single (lump sum) contributions,
occasional contributions and rollovers.
- A superannuation and rollover fund
in one. You keep your investment strategy and insurances when you
change jobs or retire.
- Provides you with access to optional
insurance coverage.
Personal Choice is offered through The
Portfolio Service Retirement Fund which is a complying superannuation
fund.
Investment approach
The four investment strategies shown in the chart below blend a number
of investment managers across various asset classes. The manager mix
is determined by the particular skills of the manager, the asset class
constraints and the need for diversification.
Each has a particular investment
objective.
Which investment
strategy for you?
Selecting the investment strategy that satisfies both your financial
needs and meets the level of risk with which you are comfortable
requires careful consideration.
You will benefit from advice from a
financial planner and the option to complete a recognised risk
tolerance assessment.
Contributions
Who can make contributions?
Your employer can make contributions
for you.
- You can make contributions:
- for your own superannuation; and
- now you can make contributions for your non working spouse.
- You can rollover or transfer amounts
from other complying superannuation funds.
- You can rollover any lump sum
eligible termination payments you receive at the time you leave a
job.
There are some conditions regarding
contributions. Please check our brochure for details or see a
financial planner.
The Portfolio
Service
Personal Choice is part of the Portfolio Service. This service allows
you to tax-effectively build your superannuation savings throughout
your working life. In addition, it can cost-effectively convert to an
income stream for retirement.
To discuss this and the many other
benefits of The Portfolio Service contact a financial planner.
Life Insurance
One of the many benefits of becoming a member of Personal Choice is
access to cost-effective life insurance. The options available
cover death, temporary disability and permanent disablement.
Please ask for the brochure to consider the features and costs.
Maximising your
super
In order to make the most of your superannuation savings you should
consult a professional financial planner. A financial planner
can simply explain the complexities of the constantly changing tax,
superannuation and social security rules.
They can recommend a strategy which
should be appropriate for your needs. The aim being to receive
the maximum benefits from your investments in retirement.
For your nearest
financial planner ask your Credit Union or call 1800 221 151
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