Expand Extra Super is a service that can help you build your superannuation (super) savings in a tax-effective way. 

With an Expand Extra Super account, you can select an investment strategy using one convenient administration facility. This includes having access to:

• Investment choice: Expand Extra Super and Pension gives you access to a range of investment options including:
  – approximately 500 managed investments
  – the majority of listed investments in the S&P All Ordinaries index plus other listed investments approved by the trustee from time to time; and
  – a selection of term deposits and fixed term annuities (maturing investments). 
• Cash Account to records all transactions related to your account.
• Income preferences: Investment income received from your investment options is automatically credited to your Cash Account. The following options are available to manage investment income:
   – re-invest the income back into the same managed investment
  – retain the income in your Cash Account
  – choose to have your income re-invested into one or more managed investments.
• Value for money: A fee structure that includes an Administration Fee cap, and the potential to reduce your Administration Fee through family fee aggregation. 
• Full-featured online services: Securely manage and view your account anytime via Expand Online or the Expand mobile app. You can access a range of information including your portfolio summary, performance reporting, transactions, account information and historical statements. Expand Online uses a single sign-on so that you can easily access multiple accounts. You can also update your beneficiary nomination, contact details and more.
• Comprehensive insurance offering (Expand Extra Super only): Choose the insurance that is right for you with a choice of insurance offerings from multiple insurers.
• Superannuation account You can take your Expand Extra Super account from job to job and through to retirement.
• Movement between Expand Extra Super and Expand Extra Pension: If you are transferring investment options between a Expand Extra Super and Pension account, the value of your account will not be reduced by the impact of buy-sell spreads. Capital gains tax will not arise if you transfer any investment options between these products.
  
  

Expand Super can help you control and manage your retirement savings. Your super account can be used to accumulate contributions and other super savings from a variety of sources in a tax-effective way. It also offers you competitive insurance options to protect your income and provide for your family or dependants if you unexpectedly get sick, injured or die.

Being a member of Expand Super gives you access to:
• A range of Australian and international fund managers.
• The majority of listed investments in the S&P/ASX 300 index, including a range of exchange traded funds plus other listed investments approved by the Trustee from time to time.
• The Managed Portfolio Service  (MPS).
• Flexible standing instruction options.
• A selection of term deposits and fixed-term annuities (maturing investments)
• View your account details and generate reports via eXpand Online.
• Comprehensive insurance offering from multiple insurers.

Estate planning options:
• Non-lapsing Binding Death Benefit Nomination (Non-lapsing Binding Nomination)
• Binding Death Benefit Nomination (Binding Nomination)
• Non-Binding Death Benefit Nomination (Non-Binding Nomination)
• Reversionary Pensioner (Pension only).
Under the Non-lapsing Binding Nomination, Binding Nomination and Non‑Binding Nomination options, we retain the flexibility to pay your benefit as a lump sum or pension. 
Under the Reversionary Pensioner option, we are bound to pay your remaining account balance as a continuing pension to your nominated Death Benefits Dependant after your death. However, the Reversionary Pensioner may choose to make a lump sum withdrawal rather than continue to receive pension payments.

Insurance in your super

It is important to understand how insurance works to ensure that you and your family are financially protected in the event of serious injury or illness, permanent disablement, or to provide a lump sum to your beneficiaries in the event of your death. You can choose to purchase insurance either through the group life and income protection insurance policies or via a separate retail insurance policy. Either way, this can be achieved tax-effectively by paying the premiums for the life insurance you need with pre-tax dollars through your super account. 

Death Cover provides your family with financial security in the event of your death. If you die, your insured benefit will be paid to your dependants or estate in addition to your super account balance.

Terminal Illness (included in the Death Cover) provides you and your family with financial security in the event you become terminally ill. If this happens, your insured benefit may be paid to you in addition to your super account balance.

Total & Permanent Disablement (TPD)  provides you and your family with financial security in the event you become totally and permanently disabled and are unable to work. If this happens, your insured benefit may be paid out to you in addition to your super account balance. 

Income Protection Cover provides you with a regular monthly income if you become Totally Disabled or Partially Disabled because of illness or injury and are unable to work and earn your income.