Product Disclosure Statements
A product disclosure statement (PDS) outlines the main features, costs, benefits and investment risks of Telstra Super. Each division of Telstra Super has its own PDS (or Super Guide for defined benefit divisions) and these are listed below for easy download.
In the 2016 Federal Budget, a lifetime cap of $500,000 was introduced for post-tax (non-concessional) contributions. This new lifetime cap will replace the existing annual caps which allow individuals to make non-concessional contributions of up to $180,000 per year (or $540,000 over three years for those under age 65). If legislated, this will take effect retrospectively from 3 May 2016 7:30pm (AEST) and will apply to any post-tax contribution made from 1 July 2007.
Information for accumulation members is contained in the following booklets, all of which combine to form the PDS and should be read together.
- Product Disclosure Statement (shorter version) - an eight page document that provides you with key information about your Telstra Super account and membership
- Investment Guide - details Telstra Super's investment options you can choose from, their objectives and various risks, and the various ways in which we manage your investment on your behalf
- Insurance Guide - details insurance information including the various insurance options available to you, how to change your insurance, when payments are made, and what happens when you go on leave or leave your employer.
- 'Additional information about your super' - a guide to other important information you need to know about your Telstra Super account, including the fees and other costs we charge, contributing to your super and how your super account works.
Please note that each of the four following divisions has a different PDS and Insurance Guide, while the Investment Guide and 'Additional information about your super' Guide are the same for all.
Eligible Telstra Super accumulation members may invest in the Direct Access investment option which allows investments in any company listed on the ASX300 index and Term Deposits. The Direct Access Product Guide outlines the main features, costs, benefits and investment risks for this option.
We recommend you read the Direct Access Product Guide and consider your investment objectives and attitude towards investment risk before determining whether Direct Access is a suitable investment option for you.
Telstra Super RetireAccess and defined benefit divisions
A product disclosure statement (PDS) outlines the main features, costs, benefits and investment risks of Telstra Super.
Super Guides have been produced for members of our defined benefit divisions and also provide an overview of the main features, costs, benefits and of Telstra Super.
Please note the PDS and Super Guides below need to comply with different regulations than those for accumulation divisions, and as a result, are different in structure and appearance to the PDS booklets listed above.