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BENEFICIARIES
Fund of the Year. We offer our members the best value for money in the country. 2. Pension Fund of the Year. Our Income account has won this award five times for excellence in investments, services, fees, and more. 3. Best Value MySuper Product. We're Money magazine's Best of the Best 2021 for our MySuper product. 5. View all awards.MEMBER ONLINE
Sign up for Member Online. Register for Member Online and keep track of your super, download your statements, manage your investments,insurance and more.
WORK TEST CHANGED FOR VOLUNTARY SUPER CONTRIBUTIONS TO Work test changed for voluntary super contributions to help older Australians save. 11 May 2021 5 min read. From 1 July 2022, people aged 67 to 74 will no longer be required to meet the work test when making or receiving non-concessional or salary sacrificed superannuation contributions. The repealing of the work test forvoluntary
FROM 2022, FIRST HOME BUYERS MAY ACCESS UP TO $50,000 IN From 2022, first home buyers may access up to $50,000 in super money. First home buyers may be given extra help to enter Australia’s housing market by being able to access up to $50,000 through the First Home Super Saver Scheme. In the 2021-22 Federal Budget, the Australian Government has announced it intends to increase the maximum amount ofLIFETIME PENSION
This table shows the annual payment amounts per $100,000 at the start of a Lifetime Pension, until the annual adjustment on 1 July 2021. Your first-year payment amount will be a pro-rata amount according to when you purchased the product. QSuper Lifetime Pension Income Estimator See how much your first year of payments could be. INCOME PROTECTION INSURANCE Show content. While income protection products typically only protect 75% of your income, QSuper offers up to 87.75%, which includes a payment into your QSuper account.*. Our default income protection cover is capped at $20,000 per month. If 87.75% of your insured salary is more than that, you can apply for extra cover up to a maximum total LIFETIME PENSION: OUR NEW RETIREMENT PRODUCT OFFERS INCOME That’s why we’ve built a retirement product that provides income for the rest of your life, so you can enjoy life after work with confidence. In an Australian first, exclusive to people aged 60-80, our new Lifetime Pension provides tax-free fortnightly payments PROS AND CONS OF A TRANSITION TO RETIREMENT STRATEGY Pros and cons of a transition to retirement strategy. With a TTR income stream, you must withdraw at least 4% of your account balance each year, and you can access a maximum of 10% (although the COVID-19 pandemic has led to exceptions for the 2019-20 and 2020-21 financial years). These restrictions mean that you need to consider how much of your super you transfer into your TTR QSUPER | AWARD-WINNING, PROFIT FOR MEMBER SUPER FUNDMEMBER ONLINECONSOLIDATE YOUR SUPERFIND YOUR LOST SUPERCHANGING JOBSNOMINATEBENEFICIARIES
Fund of the Year. We offer our members the best value for money in the country. 2. Pension Fund of the Year. Our Income account has won this award five times for excellence in investments, services, fees, and more. 3. Best Value MySuper Product. We're Money magazine's Best of the Best 2021 for our MySuper product. 5. View all awards.MEMBER ONLINE
Sign up for Member Online. Register for Member Online and keep track of your super, download your statements, manage your investments,insurance and more.
WORK TEST CHANGED FOR VOLUNTARY SUPER CONTRIBUTIONS TO Work test changed for voluntary super contributions to help older Australians save. 11 May 2021 5 min read. From 1 July 2022, people aged 67 to 74 will no longer be required to meet the work test when making or receiving non-concessional or salary sacrificed superannuation contributions. The repealing of the work test forvoluntary
FROM 2022, FIRST HOME BUYERS MAY ACCESS UP TO $50,000 IN From 2022, first home buyers may access up to $50,000 in super money. First home buyers may be given extra help to enter Australia’s housing market by being able to access up to $50,000 through the First Home Super Saver Scheme. In the 2021-22 Federal Budget, the Australian Government has announced it intends to increase the maximum amount ofLIFETIME PENSION
This table shows the annual payment amounts per $100,000 at the start of a Lifetime Pension, until the annual adjustment on 1 July 2021. Your first-year payment amount will be a pro-rata amount according to when you purchased the product. QSuper Lifetime Pension Income Estimator See how much your first year of payments could be. INCOME PROTECTION INSURANCE Show content. While income protection products typically only protect 75% of your income, QSuper offers up to 87.75%, which includes a payment into your QSuper account.*. Our default income protection cover is capped at $20,000 per month. If 87.75% of your insured salary is more than that, you can apply for extra cover up to a maximum total LIFETIME PENSION: OUR NEW RETIREMENT PRODUCT OFFERS INCOME That’s why we’ve built a retirement product that provides income for the rest of your life, so you can enjoy life after work with confidence. In an Australian first, exclusive to people aged 60-80, our new Lifetime Pension provides tax-free fortnightly payments PROS AND CONS OF A TRANSITION TO RETIREMENT STRATEGY Pros and cons of a transition to retirement strategy. With a TTR income stream, you must withdraw at least 4% of your account balance each year, and you can access a maximum of 10% (although the COVID-19 pandemic has led to exceptions for the 2019-20 and 2020-21 financial years). These restrictions mean that you need to consider how much of your super you transfer into your TTR HOW TO ENGAGE WITH YOUR EMPLOYEES IN A VIRTUAL WORLD COVID-19 resulted in many Australians adapting to working from home and it would now seem clear that remote working is here to stay. Research by the University of Sydney Business School reveals an expectation among 75% of workers that employers will support future work from home plans.¹ And it’s easy to see why – the benefits for workers include flexibility, managing a better work-life TOTAL SUPER BALANCE LIMITS AND CONTRIBUTIONS CAPS CHANGING What is your total super balance? Your total super balance is a way to value your superannuation interests in all of your super funds. It is calculated on a given date, usually 30 June (the end of the financialyear).
MANAGE YOUR INCOME ACCOUNT 1. Refer to the Product Disclosure Statement for Income Account and Lifetime Pension (pdf) for more information. 2. You can only restart an Income account once in a financial year. There are annual contribution caps on the before and after-tax amounts you can add to your super, and there is a $1.6 million cap on the amount that can be held tax-free in an Income account (totalled across all FROM 2022, FIRST HOME BUYERS MAY ACCESS UP TO $50,000 IN From 2022, first home buyers may access up to $50,000 in super money. First home buyers may be given extra help to enter Australia’s housing market by being able to access up to $50,000 through the First Home Super Saver Scheme. In the 2021-22 Federal Budget, the Australian Government has announced it intends to increase the maximum amount of LIFETIME PENSION: OUR NEW RETIREMENT PRODUCT OFFERS INCOME That’s why we’ve built a retirement product that provides income for the rest of your life, so you can enjoy life after work with confidence. In an Australian first, exclusive to people aged 60-80, our new Lifetime Pension provides tax-free fortnightly paymentsOUR ABN AND USI
Important numbers. ABN (Australian business number) 60 905 115 063. USI (Unique Superannuation Identifier) 60905115063001. If you're a member, use this number to move money between super funds. 60905115063002. If you are an employer with QSuper as your default super fund or a Queensland Government employer, use this number forcontributions to
MAKE AN INSURANCE CLAIM If you have been diagnosed with a terminal illness. If you have been diagnosed with a terminal illness, you may be able to access your superannuation balance and any death benefit insurance cover that you hold with an Accumulation account.If you have a Defined Benefit account, you may also be able to access a projected benefit to age 55 and your children may be able to receive a child’sFINANCIAL HARDSHIP
How much you can access . You can apply to take out an amount of between $1,000 and $10,000 in any 12-month period if you are experiencing financial hardship. If your super balance is less than $1,000, or you have reached the age you can access your super, you can apply to take out the full amount.. Be aware that tax may be deducted from your withdrawal, so you could receive less than the IS SUPER PAID ON LONG-SERVICE LEAVE? The short answer is, yes, but there is an exception. Understanding how super applies to long-service payments is an important step to managing your super effectively. It is important to note, however, that some employers, including the Queensland Government, have different contribution arrangements and, in those cases, employerobligations may
CAN I USE MY SUPER FOR A HOUSE DEPOSIT? First home buyers can now use super for a house deposit. In 2017, the government introduced the FHSSS to reduce pressure on housing affordability in Australia. The FHSSS aims to help give Australians a leg up in the property market by allowing you to withdraw a portion of some of the voluntary super contributions you have made to your super QSUPER | AWARD-WINNING, PROFIT FOR MEMBER SUPER FUNDMEMBER ONLINECONSOLIDATE YOUR SUPERFIND YOUR LOST SUPERCHANGING JOBSNOMINATEBENEFICIARIES
Fund of the Year. We offer our members the best value for money in the country. 2. Pension Fund of the Year. Our Income account has won this award five times for excellence in investments, services, fees, and more. 3. Best Value MySuper Product. We're Money magazine's Best of the Best 2021 for our MySuper product. 5. View all awards.MEMBER ONLINE
Sign up for Member Online. Register for Member Online and keep track of your super, download your statements, manage your investments,insurance and more.
WORK TEST CHANGED FOR VOLUNTARY SUPER CONTRIBUTIONS TO Work test changed for voluntary super contributions to help older Australians save. 11 May 2021 5 min read. From 1 July 2022, people aged 67 to 74 will no longer be required to meet the work test when making or receiving non-concessional or salary sacrificed superannuation contributions. The repealing of the work test forvoluntary
FROM 2022, FIRST HOME BUYERS MAY ACCESS UP TO $50,000 IN From 2022, first home buyers may access up to $50,000 in super money. First home buyers may be given extra help to enter Australia’s housing market by being able to access up to $50,000 through the First Home Super Saver Scheme. In the 2021-22 Federal Budget, the Australian Government has announced it intends to increase the maximum amount ofLIFETIME PENSION
This table shows the annual payment amounts per $100,000 at the start of a Lifetime Pension, until the annual adjustment on 1 July 2021. Your first-year payment amount will be a pro-rata amount according to when you purchased the product. QSuper Lifetime Pension Income Estimator See how much your first year of payments could be. INCOME PROTECTION INSURANCE Show content. While income protection products typically only protect 75% of your income, QSuper offers up to 87.75%, which includes a payment into your QSuper account.*. Our default income protection cover is capped at $20,000 per month. If 87.75% of your insured salary is more than that, you can apply for extra cover up to a maximum total LIFETIME PENSION: OUR NEW RETIREMENT PRODUCT OFFERS INCOME That’s why we’ve built a retirement product that provides income for the rest of your life, so you can enjoy life after work with confidence. In an Australian first, exclusive to people aged 60-80, our new Lifetime Pension provides tax-free fortnightly payments PROS AND CONS OF A TRANSITION TO RETIREMENT STRATEGY Pros and cons of a transition to retirement strategy. With a TTR income stream, you must withdraw at least 4% of your account balance each year, and you can access a maximum of 10% (although the COVID-19 pandemic has led to exceptions for the 2019-20 and 2020-21 financial years). These restrictions mean that you need to consider how much of your super you transfer into your TTR QSUPER | AWARD-WINNING, PROFIT FOR MEMBER SUPER FUNDMEMBER ONLINECONSOLIDATE YOUR SUPERFIND YOUR LOST SUPERCHANGING JOBSNOMINATEBENEFICIARIES
Fund of the Year. We offer our members the best value for money in the country. 2. Pension Fund of the Year. Our Income account has won this award five times for excellence in investments, services, fees, and more. 3. Best Value MySuper Product. We're Money magazine's Best of the Best 2021 for our MySuper product. 5. View all awards.MEMBER ONLINE
Sign up for Member Online. Register for Member Online and keep track of your super, download your statements, manage your investments,insurance and more.
WORK TEST CHANGED FOR VOLUNTARY SUPER CONTRIBUTIONS TO Work test changed for voluntary super contributions to help older Australians save. 11 May 2021 5 min read. From 1 July 2022, people aged 67 to 74 will no longer be required to meet the work test when making or receiving non-concessional or salary sacrificed superannuation contributions. The repealing of the work test forvoluntary
FROM 2022, FIRST HOME BUYERS MAY ACCESS UP TO $50,000 IN From 2022, first home buyers may access up to $50,000 in super money. First home buyers may be given extra help to enter Australia’s housing market by being able to access up to $50,000 through the First Home Super Saver Scheme. In the 2021-22 Federal Budget, the Australian Government has announced it intends to increase the maximum amount ofLIFETIME PENSION
This table shows the annual payment amounts per $100,000 at the start of a Lifetime Pension, until the annual adjustment on 1 July 2021. Your first-year payment amount will be a pro-rata amount according to when you purchased the product. QSuper Lifetime Pension Income Estimator See how much your first year of payments could be. INCOME PROTECTION INSURANCE Show content. While income protection products typically only protect 75% of your income, QSuper offers up to 87.75%, which includes a payment into your QSuper account.*. Our default income protection cover is capped at $20,000 per month. If 87.75% of your insured salary is more than that, you can apply for extra cover up to a maximum total LIFETIME PENSION: OUR NEW RETIREMENT PRODUCT OFFERS INCOME That’s why we’ve built a retirement product that provides income for the rest of your life, so you can enjoy life after work with confidence. In an Australian first, exclusive to people aged 60-80, our new Lifetime Pension provides tax-free fortnightly payments PROS AND CONS OF A TRANSITION TO RETIREMENT STRATEGY Pros and cons of a transition to retirement strategy. With a TTR income stream, you must withdraw at least 4% of your account balance each year, and you can access a maximum of 10% (although the COVID-19 pandemic has led to exceptions for the 2019-20 and 2020-21 financial years). These restrictions mean that you need to consider how much of your super you transfer into your TTR HOW TO ENGAGE WITH YOUR EMPLOYEES IN A VIRTUAL WORLD COVID-19 resulted in many Australians adapting to working from home and it would now seem clear that remote working is here to stay. Research by the University of Sydney Business School reveals an expectation among 75% of workers that employers will support future work from home plans.¹ And it’s easy to see why – the benefits for workers include flexibility, managing a better work-life TOTAL SUPER BALANCE LIMITS AND CONTRIBUTIONS CAPS CHANGING What is your total super balance? Your total super balance is a way to value your superannuation interests in all of your super funds. It is calculated on a given date, usually 30 June (the end of the financialyear).
MANAGE YOUR INCOME ACCOUNT 1. Refer to the Product Disclosure Statement for Income Account and Lifetime Pension (pdf) for more information. 2. You can only restart an Income account once in a financial year. There are annual contribution caps on the before and after-tax amounts you can add to your super, and there is a $1.6 million cap on the amount that can be held tax-free in an Income account (totalled across all FROM 2022, FIRST HOME BUYERS MAY ACCESS UP TO $50,000 IN From 2022, first home buyers may access up to $50,000 in super money. First home buyers may be given extra help to enter Australia’s housing market by being able to access up to $50,000 through the First Home Super Saver Scheme. In the 2021-22 Federal Budget, the Australian Government has announced it intends to increase the maximum amount of LIFETIME PENSION: OUR NEW RETIREMENT PRODUCT OFFERS INCOME That’s why we’ve built a retirement product that provides income for the rest of your life, so you can enjoy life after work with confidence. In an Australian first, exclusive to people aged 60-80, our new Lifetime Pension provides tax-free fortnightly paymentsOUR ABN AND USI
Important numbers. ABN (Australian business number) 60 905 115 063. USI (Unique Superannuation Identifier) 60905115063001. If you're a member, use this number to move money between super funds. 60905115063002. If you are an employer with QSuper as your default super fund or a Queensland Government employer, use this number forcontributions to
MAKE AN INSURANCE CLAIM If you have been diagnosed with a terminal illness. If you have been diagnosed with a terminal illness, you may be able to access your superannuation balance and any death benefit insurance cover that you hold with an Accumulation account.If you have a Defined Benefit account, you may also be able to access a projected benefit to age 55 and your children may be able to receive a child’sFINANCIAL HARDSHIP
How much you can access . You can apply to take out an amount of between $1,000 and $10,000 in any 12-month period if you are experiencing financial hardship. If your super balance is less than $1,000, or you have reached the age you can access your super, you can apply to take out the full amount.. Be aware that tax may be deducted from your withdrawal, so you could receive less than the IS SUPER PAID ON LONG-SERVICE LEAVE? The short answer is, yes, but there is an exception. Understanding how super applies to long-service payments is an important step to managing your super effectively. It is important to note, however, that some employers, including the Queensland Government, have different contribution arrangements and, in those cases, employerobligations may
CAN I USE MY SUPER FOR A HOUSE DEPOSIT? First home buyers can now use super for a house deposit. In 2017, the government introduced the FHSSS to reduce pressure on housing affordability in Australia. The FHSSS aims to help give Australians a leg up in the property market by allowing you to withdraw a portion of some of the voluntary super contributions you have made to your super QSUPER | AWARD-WINNING, PROFIT FOR MEMBER SUPER FUNDMEMBER ONLINECONSOLIDATE YOUR SUPERFIND YOUR LOST SUPERCHANGING JOBSNOMINATEBENEFICIARIES
Fund of the Year. We offer our members the best value for money in the country. 2. Pension Fund of the Year. Our Income account has won this award five times for excellence in investments, services, fees, and more. 3. Best Value MySuper Product. We're Money magazine's Best of the Best 2021 for our MySuper product. 5. View all awards.MEMBER ONLINE
Sign up for Member Online. Register for Member Online and keep track of your super, download your statements, manage your investments,insurance and more.
MANAGE YOUR INCOME ACCOUNT 1. Refer to the Product Disclosure Statement for Income Account and Lifetime Pension (pdf) for more information. 2. You can only restart an Income account once in a financial year. There are annual contribution caps on the before and after-tax amounts you can add to your super, and there is a $1.6 million cap on the amount that can be held tax-free in an Income account (totalled across allLIFETIME PENSION
This table shows the annual payment amounts per $100,000 at the start of a Lifetime Pension, until the annual adjustment on 1 July 2021. Your first-year payment amount will be a pro-rata amount according to when you purchased the product. QSuper Lifetime Pension Income Estimator See how much your first year of payments could be. HOW MUCH SUPER SHOULD I HAVE AT MY AGE? This is the approximate amount a person should have in superannuation now to reach the ASFA Comfortable Standard balance by age 67. 25 years old. $24,000. 30 years old. $61,000. 35 years old. $102,000. 40 yearsold. $154,000.
SEMINARS AND EDUCATION Retirement Ready - Online Seminar. Retiring in 1-2 years 2.5 hours + Q&A. Watch the live online seminar of Retirement Ready, which has been created exclusively for QSuper members who plan on retiring in the next one to two years, this half day will cover a complete checklist of what you can do now, to make sure you’ll be better off later.OUR ABN AND USI
Important numbers. ABN (Australian business number) 60 905 115 063. USI (Unique Superannuation Identifier) 60905115063001. If you're a member, use this number to move money between super funds. 60905115063002. If you are an employer with QSuper as your default super fund or a Queensland Government employer, use this number forcontributions to
PANDEMIC ILLNESS AND QSUPER INSURANCE What is the pandemic illness exclusion? If the pandemic illness exclusion applies to you, under QSuper's insurance policy, we will not pay an insurance benefit where your claim arises (directly or indirectly) from a pandemic illness where your date of disablementoccurs within 30
YOUR SUPER RESPONSIBILITIES Queensland Government superannuation rates. Most employers need to pay a minimum rate of 9.5% of an employee's ordinary time earnings (OTE) salary to their super account. 1 This is called the Superannuation Guarantee (SG). However, many Queensland Government employers are required to pay super at a higher rate if an employee is making 'standard contributions'. HOW MUCH DO YOU NEED TO RETIRE AT 65? How much superannuation do you need to retire? When it comes to retirement, ASFA has calculated that a single person wishing to have a “comfortable” retirement would need, at age 65, a nest egg of about $545,000, or $640,000 for a couple. The incomes needed to be generated from these amounts would be approximately $43,687 and$61,909
QSUPER | AWARD-WINNING, PROFIT FOR MEMBER SUPER FUNDMEMBER ONLINECONSOLIDATE YOUR SUPERFIND YOUR LOST SUPERCHANGING JOBSNOMINATEBENEFICIARIES
Fund of the Year. We offer our members the best value for money in the country. 2. Pension Fund of the Year. Our Income account has won this award five times for excellence in investments, services, fees, and more. 3. Best Value MySuper Product. We're Money magazine's Best of the Best 2021 for our MySuper product. 5. View all awards.MEMBER ONLINE
Sign up for Member Online. Register for Member Online and keep track of your super, download your statements, manage your investments,insurance and more.
MANAGE YOUR INCOME ACCOUNT 1. Refer to the Product Disclosure Statement for Income Account and Lifetime Pension (pdf) for more information. 2. You can only restart an Income account once in a financial year. There are annual contribution caps on the before and after-tax amounts you can add to your super, and there is a $1.6 million cap on the amount that can be held tax-free in an Income account (totalled across allLIFETIME PENSION
This table shows the annual payment amounts per $100,000 at the start of a Lifetime Pension, until the annual adjustment on 1 July 2021. Your first-year payment amount will be a pro-rata amount according to when you purchased the product. QSuper Lifetime Pension Income Estimator See how much your first year of payments could be. HOW MUCH SUPER SHOULD I HAVE AT MY AGE? This is the approximate amount a person should have in superannuation now to reach the ASFA Comfortable Standard balance by age 67. 25 years old. $24,000. 30 years old. $61,000. 35 years old. $102,000. 40 yearsold. $154,000.
SEMINARS AND EDUCATION Retirement Ready - Online Seminar. Retiring in 1-2 years 2.5 hours + Q&A. Watch the live online seminar of Retirement Ready, which has been created exclusively for QSuper members who plan on retiring in the next one to two years, this half day will cover a complete checklist of what you can do now, to make sure you’ll be better off later.OUR ABN AND USI
Important numbers. ABN (Australian business number) 60 905 115 063. USI (Unique Superannuation Identifier) 60905115063001. If you're a member, use this number to move money between super funds. 60905115063002. If you are an employer with QSuper as your default super fund or a Queensland Government employer, use this number forcontributions to
PANDEMIC ILLNESS AND QSUPER INSURANCE What is the pandemic illness exclusion? If the pandemic illness exclusion applies to you, under QSuper's insurance policy, we will not pay an insurance benefit where your claim arises (directly or indirectly) from a pandemic illness where your date of disablementoccurs within 30
YOUR SUPER RESPONSIBILITIES Queensland Government superannuation rates. Most employers need to pay a minimum rate of 9.5% of an employee's ordinary time earnings (OTE) salary to their super account. 1 This is called the Superannuation Guarantee (SG). However, many Queensland Government employers are required to pay super at a higher rate if an employee is making 'standard contributions'. HOW MUCH DO YOU NEED TO RETIRE AT 65? How much superannuation do you need to retire? When it comes to retirement, ASFA has calculated that a single person wishing to have a “comfortable” retirement would need, at age 65, a nest egg of about $545,000, or $640,000 for a couple. The incomes needed to be generated from these amounts would be approximately $43,687 and$61,909
TOTAL SUPER BALANCE LIMITS AND CONTRIBUTIONS CAPS CHANGING What is your total super balance? Your total super balance is a way to value your superannuation interests in all of your super funds. It is calculated on a given date, usually 30 June (the end of the financialyear).
HOW TO ENGAGE WITH YOUR EMPLOYEES IN A VIRTUAL WORLD COVID-19 resulted in many Australians adapting to working from home and it would now seem clear that remote working is here to stay. Research by the University of Sydney Business School reveals an expectation among 75% of workers that employers will support future work from home plans.¹ And it’s easy to see why – the benefits for workers include flexibility, managing a better work-life WORK TEST CHANGED FOR VOLUNTARY SUPER CONTRIBUTIONS TO Work test changed for voluntary super contributions to help older Australians save. 11 May 2021 5 min read. From 1 July 2022, people aged 67 to 74 will no longer be required to meet the work test when making or receiving non-concessional or salary sacrificed superannuation contributions. The repealing of the work test forvoluntary
LIFETIME PENSION
1 day ago · Australian-first retirement product. Our Lifetime Pension is designed to provide your clients with the potential for higher incomes and greater certainty that this part of their incomewon't run out.
MAKING PAYMENTS
Employer Direct is a free, secure, Government compliant clearing house that lets you: Lodge your contribution returns online. Pay your super using Direct Debit, Direct Credit, or BPAY®. Comply with the ATO's payment and reporting standards. Access and update your employees' details at any time. View your full transaction history. SEMINARS AND EDUCATION Retirement Ready - Online Seminar. Retiring in 1-2 years 2.5 hours + Q&A. Watch the live online seminar of Retirement Ready, which has been created exclusively for QSuper members who plan on retiring in the next one to two years, this half day will cover a complete checklist of what you can do now, to make sure you’ll be better off later. EXCHANGE TRADED FUNDS (ETFS) Compared to other managed investments, ETFs offer a low cost way to invest in a wide range of Australian and international companies. Easy to trade. ETFs can be traded like shares on the Australian Securities Exchange (ASX) continuously throughout the day, online, and in real time. Provides diversification. You can use ETFs to spread your money COMPASSIONATE GROUNDS Compassionate grounds include situations where you need to pay for: Medical treatment or medical transport for you or a dependant. A payment on a loan or council rates so you don't lose your home. Modifications to your home or vehicle, or buying disability aids foryou or a
GOVERNANCE FRAMEWORK In keeping with industry standards and regulatory requirements, the QSuper Board has established the QSuper Governance Policy. Its role is to make sure the Board has a clearly defined, transparent framework for the division of responsibilities in the oversight and operation of QSuper, as well as the accountability and suitability of all parties involved in the supervision and administration of PROVING YOUR IDENTITY Proving your identity. We take looking after your retirement savings very seriously which is why you need to prove your identity before we will make any payments or other important changes to your account, or if you are making a claim as a beneficiary of another member’s account. This is because we are committed to complying with the Anti QSUPER | AWARD-WINNING, PROFIT FOR MEMBER SUPER FUNDMEMBER ONLINECONSOLIDATE YOUR SUPERFIND YOUR LOST SUPERCHANGING JOBSNOMINATE BENEFICIARIESQSUPER FUND Fund of the Year. We offer our members the best value for money in the country. 2. Pension Fund of the Year. Our Income account has won this award five times for excellence in investments, services, fees, and more. 3. Best Value MySuper Product. We're Money magazine's Best of the Best 2021 for our MySuper product. 5. View all awards.MEMBER ONLINE
Sign up for Member Online. Register for Member Online and keep track of your super, download your statements, manage your investments,insurance and more.
MANAGE YOUR INCOME ACCOUNT 1. Refer to the Product Disclosure Statement for Income Account and Lifetime Pension (pdf) for more information. 2. You can only restart an Income account once in a financial year. There are annual contribution caps on the before and after-tax amounts you can add to your super, and there is a $1.6 million cap on the amount that can be held tax-free in an Income account (totalled across allLIFETIME PENSION
This table shows the annual payment amounts per $100,000 at the start of a Lifetime Pension, until the annual adjustment on 1 July 2021. Your first-year payment amount will be a pro-rata amount according to when you purchased the product. QSuper Lifetime Pension Income Estimator See how much your first year of payments could be. HOW MUCH SUPER SHOULD I HAVE AT MY AGE? This is the approximate amount a person should have in superannuation now to reach the ASFA Comfortable Standard balance by age 67. 25 years old. $24,000. 30 years old. $61,000. 35 years old. $102,000. 40 yearsold. $154,000.
SEMINARS AND EDUCATION Retirement Ready - Online Seminar. Retiring in 1-2 years 2.5 hours + Q&A. Watch the live online seminar of Retirement Ready, which has been created exclusively for QSuper members who plan on retiring in the next one to two years, this half day will cover a complete checklist of what you can do now, to make sure you’ll be better off later.OUR ABN AND USI
Important numbers. ABN (Australian business number) 60 905 115 063. USI (Unique Superannuation Identifier) 60905115063001. If you're a member, use this number to move money between super funds. 60905115063002. If you are an employer with QSuper as your default super fund or a Queensland Government employer, use this number forcontributions to
PANDEMIC ILLNESS AND QSUPER INSURANCE What is the pandemic illness exclusion? If the pandemic illness exclusion applies to you, under QSuper's insurance policy, we will not pay an insurance benefit where your claim arises (directly or indirectly) from a pandemic illness where your date of disablementoccurs within 30
YOUR SUPER RESPONSIBILITIES Queensland Government superannuation rates. Most employers need to pay a minimum rate of 9.5% of an employee's ordinary time earnings (OTE) salary to their super account. 1 This is called the Superannuation Guarantee (SG). However, many Queensland Government employers are required to pay super at a higher rate if an employee is making 'standard contributions'. HOW MUCH DO YOU NEED TO RETIRE AT 65? How much superannuation do you need to retire? When it comes to retirement, ASFA has calculated that a single person wishing to have a “comfortable” retirement would need, at age 65, a nest egg of about $545,000, or $640,000 for a couple. The incomes needed to be generated from these amounts would be approximately $43,687 and$61,909
QSUPER | AWARD-WINNING, PROFIT FOR MEMBER SUPER FUNDMEMBER ONLINECONSOLIDATE YOUR SUPERFIND YOUR LOST SUPERCHANGING JOBSNOMINATE BENEFICIARIESQSUPER FUND Fund of the Year. We offer our members the best value for money in the country. 2. Pension Fund of the Year. Our Income account has won this award five times for excellence in investments, services, fees, and more. 3. Best Value MySuper Product. We're Money magazine's Best of the Best 2021 for our MySuper product. 5. View all awards.MEMBER ONLINE
Sign up for Member Online. Register for Member Online and keep track of your super, download your statements, manage your investments,insurance and more.
MANAGE YOUR INCOME ACCOUNT 1. Refer to the Product Disclosure Statement for Income Account and Lifetime Pension (pdf) for more information. 2. You can only restart an Income account once in a financial year. There are annual contribution caps on the before and after-tax amounts you can add to your super, and there is a $1.6 million cap on the amount that can be held tax-free in an Income account (totalled across allLIFETIME PENSION
This table shows the annual payment amounts per $100,000 at the start of a Lifetime Pension, until the annual adjustment on 1 July 2021. Your first-year payment amount will be a pro-rata amount according to when you purchased the product. QSuper Lifetime Pension Income Estimator See how much your first year of payments could be. HOW MUCH SUPER SHOULD I HAVE AT MY AGE? This is the approximate amount a person should have in superannuation now to reach the ASFA Comfortable Standard balance by age 67. 25 years old. $24,000. 30 years old. $61,000. 35 years old. $102,000. 40 yearsold. $154,000.
SEMINARS AND EDUCATION Retirement Ready - Online Seminar. Retiring in 1-2 years 2.5 hours + Q&A. Watch the live online seminar of Retirement Ready, which has been created exclusively for QSuper members who plan on retiring in the next one to two years, this half day will cover a complete checklist of what you can do now, to make sure you’ll be better off later.OUR ABN AND USI
Important numbers. ABN (Australian business number) 60 905 115 063. USI (Unique Superannuation Identifier) 60905115063001. If you're a member, use this number to move money between super funds. 60905115063002. If you are an employer with QSuper as your default super fund or a Queensland Government employer, use this number forcontributions to
PANDEMIC ILLNESS AND QSUPER INSURANCE What is the pandemic illness exclusion? If the pandemic illness exclusion applies to you, under QSuper's insurance policy, we will not pay an insurance benefit where your claim arises (directly or indirectly) from a pandemic illness where your date of disablementoccurs within 30
YOUR SUPER RESPONSIBILITIES Queensland Government superannuation rates. Most employers need to pay a minimum rate of 9.5% of an employee's ordinary time earnings (OTE) salary to their super account. 1 This is called the Superannuation Guarantee (SG). However, many Queensland Government employers are required to pay super at a higher rate if an employee is making 'standard contributions'. HOW MUCH DO YOU NEED TO RETIRE AT 65? How much superannuation do you need to retire? When it comes to retirement, ASFA has calculated that a single person wishing to have a “comfortable” retirement would need, at age 65, a nest egg of about $545,000, or $640,000 for a couple. The incomes needed to be generated from these amounts would be approximately $43,687 and$61,909
TOTAL SUPER BALANCE LIMITS AND CONTRIBUTIONS CAPS CHANGING What is your total super balance? Your total super balance is a way to value your superannuation interests in all of your super funds. It is calculated on a given date, usually 30 June (the end of the financialyear).
HOW TO ENGAGE WITH YOUR EMPLOYEES IN A VIRTUAL WORLD COVID-19 resulted in many Australians adapting to working from home and it would now seem clear that remote working is here to stay. Research by the University of Sydney Business School reveals an expectation among 75% of workers that employers will support future work from home plans.¹ And it’s easy to see why – the benefits for workers include flexibility, managing a better work-life WORK TEST CHANGED FOR VOLUNTARY SUPER CONTRIBUTIONS TO Work test changed for voluntary super contributions to help older Australians save. 11 May 2021 5 min read. From 1 July 2022, people aged 67 to 74 will no longer be required to meet the work test when making or receiving non-concessional or salary sacrificed superannuation contributions. The repealing of the work test forvoluntary
LIFETIME PENSION
1 day ago · Australian-first retirement product. Our Lifetime Pension is designed to provide your clients with the potential for higher incomes and greater certainty that this part of their incomewon't run out.
MAKING PAYMENTS
Employer Direct is a free, secure, Government compliant clearing house that lets you: Lodge your contribution returns online. Pay your super using Direct Debit, Direct Credit, or BPAY®. Comply with the ATO's payment and reporting standards. Access and update your employees' details at any time. View your full transaction history. SEMINARS AND EDUCATION Retirement Ready - Online Seminar. Retiring in 1-2 years 2.5 hours + Q&A. Watch the live online seminar of Retirement Ready, which has been created exclusively for QSuper members who plan on retiring in the next one to two years, this half day will cover a complete checklist of what you can do now, to make sure you’ll be better off later. EXCHANGE TRADED FUNDS (ETFS) Compared to other managed investments, ETFs offer a low cost way to invest in a wide range of Australian and international companies. Easy to trade. ETFs can be traded like shares on the Australian Securities Exchange (ASX) continuously throughout the day, online, and in real time. Provides diversification. You can use ETFs to spread your money COMPASSIONATE GROUNDS Compassionate grounds include situations where you need to pay for: Medical treatment or medical transport for you or a dependant. A payment on a loan or council rates so you don't lose your home. Modifications to your home or vehicle, or buying disability aids foryou or a
GOVERNANCE FRAMEWORK In keeping with industry standards and regulatory requirements, the QSuper Board has established the QSuper Governance Policy. Its role is to make sure the Board has a clearly defined, transparent framework for the division of responsibilities in the oversight and operation of QSuper, as well as the accountability and suitability of all parties involved in the supervision and administration of PROVING YOUR IDENTITY Proving your identity. We take looking after your retirement savings very seriously which is why you need to prove your identity before we will make any payments or other important changes to your account, or if you are making a claim as a beneficiary of another member’s account. This is because we are committed to complying with the Anti Please enable JavaScript in order to get the best experience whenusing this site.
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Because we’re a profit-for-members fund, you can be assured that we’re working in your best interests, not someone else's. More reasons to join QSuperAWARD WINNING
Pension Fund of the Year Awarded to the fund with the best value for money pension offering.2 Best Pension Fund Manager Awarded by Money Magazine to the Best Pension Fund Manager for 2019.3 10 year Platinum performance Since 2006, our Accumulation account has received the 10-year Platinum performance rating.2View all awards
#1 IN MEMBER SATISFACTION Across the 15 largest super funds, QSuper ranks the highest for member satisfaction with financial performance according to Roy Morganresearch.4
More reasons to join QSuperFEATURED ARTICLES
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A CHANCE FOR US TO CONNECT23 Jul
INCOMING CIO: MAINTAINING A REPUTATION OF EXCELLENCE17 Jul
AN INVESTMENT STRATEGY THAT DELIVERS24 Jun
KNOWING WHAT TOUGH IS 1. Past performance may not be a reliable indicator of future performance. QSuper’s Accumulation account, Balanced Option only, ranked fourth. The Chant West data is based on information provided by third parties that is believed to be accurate at 30 June 2019. Returns reflected after investment fees and tax. Chant West’s Financial Services Guide is available at chantwest.com.au 2. SuperRatings does not issue, sell, guarantee, or underwrite this product. Go to superratings.com.au for details of its ratings criteria. SuperRatings Pty Ltd has given its written consent to the inclusion of each reference to SuperRatings (including its ratings logos) and the statements made by or said to be based on statements by SuperRatings in the form and context in which they are included on the QSuper website. Past performance is not a reliable indicator of futureperformance.
3. The Best of the Best Awards celebrates Australia's pre-eminent financial products, services and investments, with leading research houses including Canstar, Lonsec, Morningstar, SQM Research, SuperRatings, WhistleOut and Zenith Investment Partners identifying the winners in more than 60 categories. The awards are designed to help consumers make more informed investment decisions across asset categories including super, cash accounts, funds, and home loans. The award is solely a statement of opinion and does not represent a recommendation to purchase, hold or sell any securities, or make any other investment decisions. Ratings are subject to change. Ratings, awards or investment returns are only one factor that you should consider when deciding how to invest your super. 4. Roy Morgan, 18 June 2018, Finding No. 7629, accessed 18 June 2018at
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