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Money Solutions: Providing TWUSUPER members with straightforward professional advice

February 2008: Do you have questions about your super?

How much will I save if I combine my super accounts?
Should I be making extra contributions to my super now or later?
Am I eligible to receive the co-contribution payment from the Government?
Have I chosen the right investment strategy for my needs?
Should I take my super as a lump sum or put it in a pension?

TWUSUPER has teamed up with Money Solutions* (AFSL 258145) to give Fund members access to low-cost practical financial advice when they need it. TWUSUPER’s partnership with Money Solutions is aimed at helping members make the most of the earning power of their super now, so they can enjoy the benefits later. Money Solutions do not take commissions. They work on a flat fee for service basis – so their advisers are focussed on recommending strategies that work for you.

Because TWUSUPER believe advice is important for fund members, TWUSUPER will pay for each member’s first ‘single issue’ superannuation advice phonecall to a Money Solutions* Money Coach. To contact Money Solutions, call the TWUSUPER Customer Service Team on 1800 222 071, 8am – 8pm Mon – Fri (EDT) or Money Solutions direct on 1800 046 144, 8am - 6pm Mon-Fri (EDT).

*The Trustee is not responsible for, and does not accept liability for the products or services or actions of Money Solutions. You should use your own judgment before taking up any product or services offered by Money Solutions.

TWUSUPER offers enhanced insurance cover for members

February 2008: TWUSUPER and CommInsure have completed new insurance arrangements that will offer Fund members an enhanced insurance offering that will provide significant benefits for the majority of members.“We are delighted that, together with CommInsure, we have been able to increase the options and cover available to members while retaining competitive premiums,” said Bill McMillin, TWUSUPER CEO.

Under the new arrangements, effective from 26 April 2008, the level of basic insurance cover provided to the majority of members without the need for any application for insurance forms or evidence of health, will increase from 1 unit of basic death cover to 2 units of basic death cover plus 1 unit of basic Total and Permanent Disablement cover.

Additional improvements for members of TWUSUPER include: an option to acquire an extra unit of basic death cover; the option to fix cover; an optional 30-day waiting period for income protection cover and an overall reduction in the cost per unit of insurance cover (for most members).

TWUSUPER retains Platinum SuperRating

January 2008: see www.superratings.com.au

TWUSUPER launches a Transition to Retirement Pension

December 2007: TWUSUPER has announced that it has extended its pension range to include a ‘Transition to Retirement’ Pension. TWUSUPER has had an in-house pension product since 1998. “TransPension” was formerly an allocated pension and on 1 July 2007 converted to an account based pension.

The addition of the transitional pension option gives employed Fund members who have reached their preservation age more options.

“TWUSUPER has had a great deal of interest in the transitional pension from members whose age allows them to use and benefit from pension products,” said Bill McMillin, CEO of TWUSUPER.

“That, combined with our public offer status, makes us confident that the transitional pension is a growth area for the Fund.”

Members of TWUSUPER have access to financial advice through Money Solutions*. Money Solutions offers practical and transparent advice that focuses on personal goals and needs. TransPension is open to eligible members and non-members of TWUSUPER.

Further information regarding TWUSUPER’s Transition to Retirement Pension and Account Based Pension is available on www.transpension.com.au

*The Trustee is not responsible for, and does not accept liability for the products or services or actions of Money Solutions. You should use your own judgment before taking up any product or services offered by Money Solutions.

TWUSUPER signs up to UN PRI

November 2007: TWUSUPER is pleased to announce that it has become a signatory to the United Nations’ Principles for Responsible Investment (UN PRI), with the goal of ultimately increasing long-term benefits to members.

This makes TWUSUPER one of a small number of Australian superannuation funds to commit to this program. According to TWUSUPER Chief Executive Officer, Bill McMillin, “We believe the implementation of these principles will be a positive for investment returns and will prove to be in the best long term interests of our members.”

The Principles for Responsible Investment is an investor initiative in partnership with the United Nations Environment Program Finance Initiative and the United Nations Global Compact. The principles provide a framework of global standards developed in April 2006. The six overarching principles recognize the direct link between environmental, social and governance practices to investment performance. The principles include voluntary actions related to investment decision-making, active ownership, transparency and collaboration.

The PRI initiative has developed into a global network of institutions working together to share best practice and collaborate on emerging environmental, social and governance (ESG) issues in order to deliver long-term returns to beneficiaries and clients. More and more mainstream investors are embracing the view that ESG issues can be material to long term results and, therefore, must be factored into the investment process.

TWU Nominees Pty Limited ABN 67 002 835 412, AFSL 239163, is the trustee of TWUSUPER (ABN 77 343 563 307) and the issuer of interests in it. Prior to any investment in TWUSUPER you should consider whether or not the investment is appropriate for you. Before you make any decision regarding our product, you should consider the Product Disclosure Statement which is available at www.twusuper.com.au or by calling 1800 222 071.