Key information about our products, fees, and what you should consider when selecting any of our products or services.
Information in our Product Disclosure Statements, which is not materially adverse, is subject to change and may be updated from time to time. You can find any updates to information in our Product Disclosure Statements below.
Our revised estimated Investment fees and costs (including any performance fees) and transactions costs are based on recently finalised calculations of the relevant costs for the year ending 30 June 2023, unless stated otherwise.
| Option name | Investment fees and costs (p.a) | Transaction costs (p.a) |
|---|---|---|
| Growth | 0.48% (including performance fee of 0.11%) | 0.07% |
| Balanced Growth | 0.44% (including performance fee of 0.09%) | 0.05% |
| Balanced Low Cost | 0.14% (including performance fee of 0.00%)* | 0.10%** |
| Balanced | 0.39% (including performance fee of 0.07%) | 0.05% |
| Conservative | 0.32% (including performance fee of 0.05%) | 0.04% |
| Just Shares | 0.25% (including performance fee of 0.00%) | 0.04% |
| Australian Equities | 0.21% (including performance fee of 0.00%) | 0.04% |
| International Equities | 0.29% (including performance fee of 0.01%) | 0.04% |
| Innovation & Disruption | 0.60% (including performance fee of 0.00%) | 0.02% |
| Infrastructure | 0.78% (including performance fee of 0.05%) | 0.20% |
| Property | 0.44% (including performance fee of 0.00%) | 0.15% |
| Diversified Bonds | 0.06% (including performance fee of 0.00%) | 0.00% |
| Cash | 0.05% (including performance fee of 0.00%) | 0.00% |
* Investment fees and costs (including performance fees) for the year ending 30 June 2023 were 0.16% (including performance fees of 0.00%), however this is not considered a reasonable estimate of the ongoing annual investment fees and costs for this option. An estimate for the year ending 30 June 2024 is shown.
** Transaction costs for the year ending 30 June 2023 were 0.17%, however this is not considered a reasonable estimate of the ongoing annual transaction costs for this option. An estimate for the year ending 30 June 2024 is shown.
The revised estimates in the above table replace the information about Investment fees and costs, performance fees and transaction costs in the following Product Disclosure Statements (and Additional Fees and Costs guide, where applicable): Vision Super Saver PDS, Personal Plan PDS, Australian Services Union PDS.
The cost of product gives a summary calculation about how ongoing annual fees and costs can affect your superannuation investment over a one year period for all superannuation products and investment options. It is calculated in the manner shown in the Example of annual fees and costs in each PDS (based on ongoing Administration fees and costs, Investment fees and costs and Transaction costs).
The cost of product information assumes a balance of $50,000 at the beginning of the year, which is invested in a single investment option. (Additional fees may apply: refer to the PDS).
You should use this figure to help compare superannuation products and investment options.
| Option name | Cost of product |
|---|---|
| Balanced Growth | $393 |
| Conservative | $328 |
| Balanced | $368 |
| Balanced Low Cost | $268* |
| Growth | $423 |
| Just Shares | $293 |
| Australian Equities | $273 |
| International Equities | $313 |
| Innovation & Disruption | $458 |
| Property | $443 |
| Infrastructure | $638 |
| Diversified Bonds | $178 |
| Cash | $173 |
*This Cost of product replaces the Cost of product shown in the Annual example of fees and costs shown in the Vision Personal Product Disclosure Statement and is made up of Administration fees and costs of $148, Investment fees and costs of $70 and Transaction costs of $50.
Our revised estimated Investment fees and costs (including any performance fees) and transactions costs are based on recently finalised calculations of the relevant costs for the year ending 30 June 2023, unless stated otherwise.
| Option name | Investment fees and costs | Transaction costs |
|---|---|---|
| Growth | 0.48% (including performance fee of 0.11%) | 0.07% |
| Balanced Growth | 0.44% (including performance fee of 0.09%) | 0.05% |
| Balanced Low Cost | 0.14% (including performance fee of 0.00%)* | 0.10%* |
| Balanced | 0.39% (including performance fee of 0.07%) | 0.05% |
| Conservative | 0.32% (including performance fee of 0.05%) | 0.04% |
| Just Shares | 0.25% (including performance fee of 0.00%) | 0.04% |
| Australian Equities | 0.21% (including performance fee of 0.00%) | 0.04% |
| International Equities | 0.29% (including performance fee of 0.01%) | 0.04% |
| Innovation & Disruption | 0.60% (including performance fee of 0.00%) | 0.02% |
| Diversified Bonds | 0.06% (including performance fee of 0.00%) | 0.00% |
| Cash | 0.05% (including performance fee of 0.00%) | 0.00% |
* Investment fees and costs (including performance fees) for the year ending 30 June 2023 were 0.16% (including performance fees of 0.00%), however this is not considered a reasonable estimate of the ongoing annual investment fees and costs for this option. An estimate for the year ending 30 June 2024 is shown.
** Transaction costs for the year ending 30 June 2023 were 0.17%, however this is not considered a reasonable estimate of the ongoing annual transaction costs for this option. An estimate for the year ending 30 June 2024 is shown.
The revised estimates in the above table replace the information about Investment fees and costs, performance fees and transaction costs in the Income Streams PDS.
The cost of product gives a summary calculation about how ongoing annual fees and costs can affect your superannuation investment over a one year period for all superannuation products and investment options. It is calculated in the manner shown in the Example of annual fees and costs in each PDS (based on ongoing Administration fees and costs, Investment fees and costs and Transaction costs).
The cost of product information assumes a balance of $50,000 at the beginning of the year, which is invested in a single investment option. (Additional fees may apply: refer to the PDS).
You should use this figure to help compare superannuation products and investment options.
| Option | Cost of product |
|---|---|
| Balanced Growth | $420 |
| Conservative | $355 |
| Balanced | $395 |
| Balanced Low Cost | $295* |
| Growth | $450 |
| Just Shares | $320 |
| Australian Equities | $300 |
| International Equities | $295 |
| Innovation & Disruption | $485 |
| Diversified Bonds | $205 |
| Cash | $200 |
* This Cost of product replaces the Cost of product shown in the Vision Super Income Streams Product Disclosure Statement and is made up of Administration fees and costs of $175, Investment fees and costs of $70 and Transaction costs of $50.
Additional guide 2.
How super works
Additional guide 4.
Risks of investing in super
Additional guide 5.
How we invest your money
Additional guide 6.
Fees and costs
Additional guide 7.
How super is taxed
Additional guide 8. Insurance in your super
Additional guide 8. Insurance in your super
– ASU
Additional guide 9.
How we deal with complaints
A TMD is a document which describes who a product is likely to be appropriate for (its target market), and any conditions around how the product can be distributed to customers.
It also describes the events or circumstances where we may need to review the Target Market Determination for a financial product.
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