In most circumstances, you will be automatically transferred to the Plum Personal Plan when you leave your employer. Your death and total and permanent disablement cover will also be continued once notification from your employer has been provided.

Different fees and investment options may apply in the Plum Personal Plan.

Please check your Product disclosure statement to find out more about the Plum Personal Plan and how you’ll transfer upon leaving employment.

Yes. If you are a member, we let you transfer money from your bank account, building society or credit union directly via BPAY® into your account.

You can use BPAY® to make additional personal (after-tax) contributions to your super easily and conveniently. You can also use BPAY® to make spouse contributions.

Note: We do not require a remittance advice as the biller code and reference number identify you and the payment you are making.

To use the BPAY^® facility you need:

• The biller code and
• Your unique BPAY^® reference number.

These can be found by logging into your account at plum.com.au, selecting Contributions, and then Make a contribution

You can then use your financial institution's internet or phone banking service. You can make BPAY^® payments from debit accounts (savings or cheque) only. You cannot use a credit card.

Once made, transactions generally cannot be reversed.

Please note: In order to receive a spouse contribution you must provide your spouse with your BPAY^® reference number and the spouse biller code to make the BPAY^® payment.

Please note: To receive a salary sacrifice or an employer contribution you must provide your employer with your BPAY^® reference number and the relevant biller code to make the BPAY^® payment.

Your BPAY^® transaction is processed from your bank account immediately. However, your funds and payment instructions generally take time to be transferred to us from your financial institution.

Provided your BPAY^® request is made before your financial institution's cut-off time, we would typically receive the funds the following business day. Units will only be issued when we receive your funds and will generally be issued at the unit price applicable the day the payment was made.

For more information, call us on 1300 55 7586 between 8am and 7pm AEST (8pm daylight savings time), Monday to Friday (if calling from outside of Australia call +61 3 9966 5813).

No. If you do not make an investment choice your superannuation contributions will be made to the MySuper investment option. To learn more about the investment options available to you, along with MySuper:

• Log on to the Member site using your Member number and password;
• Select Forms and publications; and
• Download the Investment Menu for your Plan.

Through your account, you have a broad range of investment options. To find out what options are available to you:

• Log on to the Member site using your Member number and password;
• Select Forms and publications; and
• Download the Investment Menu for your Plan.

The Investment Menu outlines each of the investment options available to you.

For more information, call us on 1300 55 7586 between 8am and 7pm AEST (8pm daylight savings time), Monday to Friday (if calling from outside of Australia call +61 3 9966 5813).

No. Your first telephone-based discussion is at no cost to you. Your first face-to-face meeting with a financial adviser, arranged through us, is also at no cost to you.

If you need a financial plan developed for your individual needs, the financial adviser will outline the costs of this service before you agree to continue. That way you know the cost of this advice before you go ahead.

Yes. There are a range of services available to you, including education through your employer or research online using the website - www.plum.com.au. Other services include:

• Staying with Plum Super by transferring to the Plum Personal Plan when you leave your employer;
• For regular income stream in retirement and transition to retirement strategies, investing in other pension offerings in the MLC Super Fund;
• Financial advice;
• The opportunity to use BPAY® to make additional (after-tax) personal contributions.

Log on to the Member site to see what other features and services are available to you or call us on 1300 55 7586 between 8am and 7pm AEST (8pm daylight savings time), Monday to Friday (if calling from outside of Australia call +61 3 9966 5813).

Yes. We have a Budget tool to gain an understanding of your current savings and spending habits. You can find more tools, calculators and information in the Member site.

The Budget tool provides you with a breakdown of your income and expenses. This may help you find ways to cut down on any over-spending and save more.

You can also all us on 1300 55 7586 between 8am and 7pm AEST (8pm daylight savings time), Monday to Friday (if calling from outside of Australia call +61 3 9966 5813) about your general investment and retirement needs.

We can put you in touch with a financial adviser who can help you with your specific personal financial needs. The choice is yours.

Yes. Through your Plum Super account, you have a range of tools and resources available to you, including:

• Public and secure Member websites;
• Member Services Consultants;
• Printed checklists and information brochures;
• Product disclosure statements (PDSs);
• Personalised Member benefit statements;
• Seminars;
• Online video presentations;
• Our quarterly e-newsletter, Plum Super News;
• Onsite seminar presentations;

To find out what other resources are available to you, call us on 1300 55 7586 between 8am and 7pm AEST (8pm daylight savings time), Monday to Friday (if calling from outside of Australia call +61 3 9966 5813).

If you have a complaint about your superannuation, contact a Member Services Consultant on 1300 55 7586 between 8.00am and 7.00pm AEST (8.00pm daylight savings time).

A reply to your enquiry will usually be made over the phone or by return phone call within a short period. If not, you may need to confirm the enquiry in writing and provide a contact address for reply. Your enquiry will then be answered by a Member Services Consultant as soon as possible. Use this link to find out more about the complaints process.

If your benefit is less than $2000 and you do not advise us of where to transfer it within 30 days, your benefit may be transferred to the Australian Taxation Office (ATO).

Investment strategy change

If you want to change how your future contributions are invested, you can make an investment strategy change.

On receipt and acceptance of an investment strategy change request on ant business day, we will process any contributions, transfers or rollovers received to the relevant options as follows:

• requests received prior to 3.00pm, AEST will use the unit pricing applying at close of business that day.
• requests received after 3.00pm, AEST will use the unit pricing applying at the close of business on the next business day.

Investment switch

If you want to move some or all of your existing account balance into one or more different investment options, you can make an investment switch.

When you request a switch before 3.00pm, AEST, on any business day:

• units in your current investment option(s) will be sold at the sell price for the day on which your request was received; and
• the sale proceeds will be used to buy units in your new investment option(s) at the buy price of the same day.

If we receive your request after 3.00pm AEST, we will use the unit price applying at the close of business on the next business day. Although you can generally make an investment switch at any time, you will need to wait until your first switch is processed and units have been allocated before you can request a second switch.

No administration fee is charged when you make an investment strategy change or switch. You may, however, incur transaction costs (buy/sell costs) on some investment option(s) when a switch is conducted.

To request investment strategy changes and switches log into your account at plum.com.au or call us on 1300 55 7586.

Before you make an investment strategy change or switch, you need to consider the relevant information provided in the current version of the investment menu, the PDS and applicable investment managers’ PDSs (if any) for each investment option selected from the Plan’s investment menu.

We suggest you seek licensed financial advice before changing your investment strategy or switching investments.

We will purchase units in your chosen investment option(s) (or in the MySuper option if you do not make an investment choice) when contribution or transferred amounts are received.

We will sell units proportionately from your asset holding from your asset holdings for the deduction of any outstanding fees, insurance, premiums and taxes.

Frequent switching

You should not invest in the Fund if you intend to switch your investments frequently in the pursuit of short-term gains.

We monitor all investment options for abnormal transaction activity because this sort of activity can have adverse impacts for other members.

To maintain equity, the trustee has the right to manage members who frequently switch by:

• delaying, limiting or rejecting their future switch requests;
• cancelling their membership; and
• transferring their account balance to the Australian Taxation Office (ATO).
  

Temporary resident departing Australia

If you are a former temporary resident who has left Australia and your visa has expired or been cancelled, you can claim your superannuation from us by applying for a Departing Australia Superannuation Payment (DASP).

However, your benefit will be paid to the Australian Taxation Office (ATO) under the Superannuation (Unclaimed Money and Lost Members) Act 1999 if:

• you held a temporary visa that has ceased to have effect and you have left Australia
• it has been at least six months since the visa ceased to be in effect and/or you left Australia
• we have received a Temporary Resident Notification from the ATO instructing the monies be transferred to them
• you are neither an Australian citizen nor a New Zealand citizen
• you are not a permanent resident or currently the holder of a temporary, permanent or prescribed visa, and
• you do not have an undetermined application for a permanent visa.

Under these circumstances, you have a right to apply to the Commissioner of Taxation for payment of the DASP.

If you are a former temporary resident and we pay your superannuation to the ATO under the applicable unclaimed superannuation legislation, we will not notify you or provide you with an exit statement. This is permitted under relief provided by the Australian Securities and Investments Commission (ASIC).

For more information, members should contact the ATO:

• 13 10 20 (within Australia)
• 61 2 6216 111 (for international callers)