Build More for Your Future

• Membership is governed by the fund's trust deed, governing rules, current Product Disclosure Statement and applicable superannuation law.
• Applicants must meet the fund's eligibility, identification and acceptance requirements before an account is established.
• The fund may request additional identity, residency, employment, tax or source-of-funds information where reasonably required to administer the account or satisfy legal obligations.
• Providing a Tax File Number is generally voluntary, but choosing not to provide it may affect the fund's ability to accept certain contributions or may result in additional tax being withheld where applicable.
• Employer, personal, rollover and other contributions are only accepted where permitted by law and by the fund's current contribution acceptance rules.
• Rollovers from another superannuation fund remain subject to successful verification, matching of member details and the transferring fund's processing requirements.
• The fund may place temporary restrictions on transactions or account access while identity, contribution, rollover or compliance checks are being completed.
• Members are responsible for keeping their contact, tax, beneficiary and other account information accurate and up to date.
• Electronic communications, online statements and digital account access may be used where permitted, subject to the member's communication preferences and applicable law.
• The calculator begins at AUD 100,000 for scenario modelling. This does not itself establish the product's legal minimum balance; the actual minimum is [PRODUCT MINIMUM / SEE PDS].
• Acceptance of an application does not guarantee that every contribution, rollover, investment instruction or insurance request will be accepted.
• Applications, contributions or transactions may be declined, delayed or restricted where required by law, sanctions controls, AML/CTF obligations, fraud-prevention controls, operational requirements or fund policy.

• The account may accept eligible employer, salary-sacrifice, personal, rollover and other permitted superannuation contributions as set out in the PDS.
• Contribution caps, tax treatment, age restrictions and acceptance rules apply.
• Concessional contributions may be subject to contributions tax and additional tax may apply in some circumstances.
• Members are responsible for monitoring contributions across all of their superannuation interests where required.

• Superannuation savings are invested according to the selected investment option or the fund's default option where no choice is made.
• Investment values can rise or fall. Returns can be positive or negative and are not fixed interest.
• The 0.90%, 1.20% and 1.40% average-monthly figures on this page are target-return modelling scenarios only unless the approved PDS states otherwise.
• A target or objective is not a promise, forecast or guarantee that the return will be achieved.
• The balance-tier mechanism must be described consistently with the approved investment strategy and PDS before publication.
• Past performance is not a reliable indicator of future performance.

Administration fees, investment fees and costs, transaction costs, advice fees and other fees may apply. Insurance premiums may also be deducted where insurance is held. The calculator does not presently deduct account-level administration, insurance or advice costs from either comparison side. Insert the actual Q-Strategies fee basis and update the calculator before publication if required by the PDS.

If insurance is available, death, total and permanent disability and/or income protection cover is governed by the applicable policy, PDS and fund rules. Eligibility, premiums, exclusions, waiting periods, benefit periods and cancellation rules should be reviewed before relying on cover.

Members may be able to transfer eligible superannuation benefits from another fund. Before consolidating, consider whether transferring could affect insurance, employer benefits, investment features, fees or other rights attached to the existing account.

Superannuation is generally preserved for retirement and can only be released where a condition of release under Australian law is satisfied. Early access is limited to specific circumstances permitted by law.

Contributions, investment earnings and benefit payments may be subject to tax. Tax treatment depends on the contribution type, member circumstances and current law. Members should obtain tax advice where appropriate.

Members may be able to nominate beneficiaries in accordance with the fund's rules. Binding and non-binding nomination requirements, expiry rules and trustee discretion may apply depending on the nomination type.

Members are responsible for protecting account credentials and promptly reporting suspected unauthorised access. Personal information is handled under the applicable privacy policy and law. Statements and notices may be provided electronically where permitted.

Complaints should first be made through the fund's internal dispute-resolution process. Where applicable, unresolved complaints may be referred to the external dispute-resolution body identified in the PDS, Financial Services Guide or complaints policy.

• The calculator is an illustration and not a prediction of a member's actual retirement balance.
• Results are shown in today's dollars using the selected inflation / wage-growth assumption, defaulting to 3.7% p.a.
• The Q-Strategies model applies the target tier dynamically as the projected balance crosses the stated thresholds.
• The benchmark uses current Moneysmart forward-looking investment-return assumptions, not named funds' historical returns.
• Named-fund historical results are displayed separately and are not used as future-return forecasts.
• Account-level administration, insurance and advice costs are not currently deducted from either side.
• Users can change the inflation assumption. Actual outcomes will depend on investment performance, fees, tax, contributions, withdrawals and other factors.

Information on this page is general information only and does not take into account your objectives, financial situation or needs. Before joining, switching funds or selecting an investment option, read the current PDS and TMD and consider whether the product is appropriate for you. Consider obtaining licensed financial advice where appropriate.