Benefits of investing with NGS Super

Our key benefits to you are:

• we are run only to benefit members
• we have low fees - no entry fee and no commissions to financial planners
• quality financial education, limited advice available to all members at no extra cost and affordable tailored advice at every stage of your life through NGS Financial Planning
• low-cost insurance
• flexibility to view and update your account via Member Online
• a large fund with around $13.7 billion in members’ retirement savings
• a variety of investment options.

Protecting you and your loved ones

If you’re an eligible member of NGS Super, insurance is available to protect you and your loved ones:
▪ if illness or injury prevents you from working
▪ if you become terminally ill
▪ in the event of your death.

About NGS Super

NGS Super is the leading Industry SuperFund for those working in non- government education and community organisations. Anyone can join NGS Super.

You can choose how to invest your super savings. If you don't select an investment option, your money will be placed in our default option:

• Accumulation account - Diversified (MySuper) product

• Transition to Retirement account - Diversified (MySuper) product

• Income account - Moderate Growth option.

Ongoing annual fees and costs

NGS Accumulation and Transition to retirement accounts — Diversified (MySuper) investment option

Administration fees and costs: $65 p.a. ($1.25 per week) plus 0.10% p.a. of your account balance, capped at $500 p.a.
Investment fees and costs: 0.70% p.a. of the option’s assets (estimated
Transaction costs: 0.09% p.a. of the option’s assets (estimated)

NGS Income account — Diversified investment option
Fees and costs for the Diversified investment option are the same as for the Diversified (MySuper) option in the table above, except for investment fees and costs as shown in this table.

Investment fees and costs: 0.71% p.a. of the option’s assets (estimated)

How we invest your money

When you join us, if you don't let us know how you would like to invest your super, then your money will be placed in our default investment option.

The default option for your Accumulation account and Transition to Retirement account is the Diversified (MySuper) product and is the Moderate Growth option for your Income account.

If you want a more active role in your investment decisions, you can choose from:

1. Pre-mixed options which are made up of different asset classes with varying exposure to each;
2. Sector-specific options which are pure asset classes; or
3. The NGS Self-Managed Direct Investment Option (DIO).

NGS Super default investment options

Accumulation and Transition to Retirement account default - Diversified (MySuper) product

• Suitable for medium to long-term investors who would like to earn a moderate to high level of capital growth over this period

• Seeks a net return of 3% above CPI per annum over rolling 10-year periods

Asset allocation

(Asset: Strategic allocation / Dynamic allocation)

• Australian shares: 23% / 15-40%

• International shares: 27% / 15-40%

• Infrastructure: 10% / 0-20%

• Growth alternatives: 10% / 0-20%

TOTAL GROWTH ASSETS: 70% / 55-85%

• Fixed Income 15% / 0-40%

• Property income: 9% / 0-20%

• Cash & Term deposits: 6% / 0-25%

TOTAL DEFENSIVE ASSETS: 30% / 15-45%

Income account default - Moderate Growth option

• Suitable for medium to long-term investors who wish to earn attractive long term returns whilst accepting a reasonable level of volatility in returns

• Seeks a net return of 3% above CPI per annum over rolling 5-year periods

Asset allocation

(Asset: Strategic allocation / Dynamic allocation)

• Australian shares: 23% / 15-40%

• International shares: 27% / 15-40%

• Infrastructure: 10% / 0-20%

• Growth alternatives: 10% / 0-20%

TOTAL GROWTH ASSETS: 70% / 50-80%

• Property income: 9% / 0-20%

• Fixed Income: 15% / 0-40%

• Cash & Term deposits : 6% / 0-25%

TOTAL DEFENSIVE ASSETS: 30% / 15 -45%