Queensland Public Sector Discussion Group 20th October 2016 Presentation Slides

2. Important information
We need to let you know that the information we’ve put together in this presentation is for general purposes only so keep
in mind that it doesn’t take into account your personal objectives, financial situation or needs, it shouldn’t be relied on as
personal, legal or taxation advice and doesn’t take the place of this type of advice. Any information, rates and
calculations we’ve used are based on what laws and regulations were current or proposed at the time we printed this
document.
This information is provided by QInvest Limited (ABN 35 063 511 580, AFSL and Australian Credit Licence Number
238274). And so you know, QInvest Limited is ultimately owned by the QSuper Board (ABN 32 125 059 006) as trustee
for the QSuper Fund (ABN 60 905 115 063), and is a separate legal entity responsible for the financial services and
credit services it provides. Advice fees apply. Unless we let you know otherwise the QSuper Board is the issuer of
QSuper products.
We do take all possible care when preparing this material, but we cannot give a warranty in respect to the information
we have provided. This means QInvest Limited or any of its representatives take no responsibility for any errors or
omissions, including those negligently made.
You should consider whether the product is appropriate for you by reading a copy of the product disclosure statement
and getting advice which is appropriate for your objectives, financial situation and needs from a financial adviser before
making a decision. You can download a copy of the PDS from our website at qsuper.qld.gov.au or call us on
1300 360 750.
© QSuper Board of Trustees 2016

3. 1 Australian Prudential Regulation Authority (APRA) Annual Fund-level Superannuation Statistics June 2015 edition (issued 10 February 2016). 2
QSuper Annual Report 2015. 3 Past performance is not a reliable indicator of future performance. SuperRatings or Chant West does not issue, sell,
guarantee or underwrite this product. Go to www.superratings.com.au and www.chantwest.com.au for details of its ratings criteria. The Conexus
Financial Superannuation Awards are determined on a range of criteria set and applied by an independent expect selection committee. Awards were
issued March 4, 2016 and are solely statements of opinion and do not represent recommendations to purchase, hold, or sell any securities or make
any other investment decisions. Ratings are subject to change.

4. Couple1Single1
Modest Comfortable
$23,767 p.a. $43,062 p.a.
Modest Comfortable
$34,216 p.a. $59,160 p.a.
Age Pension2
$22,804 p.a. $34,382 p.a.
1 ASFA Retirement Standard June quarter 2016. Note – figures assume home ownership. Refer to
superannuation.asn.au for more information.
2 Department of Human Services as at 20 September 2016. Note – figures include Supplement and Clean
Energy Supplement
How much money will you need in retirement?

5. QSuper’s Retirement Income Calculator
1 Go to qsuper.qld.gov.au
Enter your details
Select the annual income you think you’ll need in retirement
(our online tool can help with this)
Click ‘Show results’ to receive your retirement income estimate
2
3
4
Just follow these four easy steps to find out if you’re on track to fund the
lifestyle you’re after in retirement.
Note: This calculator is generic only and doesn’t replace personal financial advice. It’s based on a specific set of circumstances
so your actual results may differ. It’s shown for illustrative purposes only.

6. What can you do to
grow your super?
• Learn as much
as you can
• Talk to QSuper
about your options
• Take action

7. Make the most of your employer contribution
9.5% employer contribution (super guarantee1)
12.75% (QLD Government employees who contribute 5%)
Some employers may have different arrangements.
1 The compulsory employer superannuation guarantee won’t
increase from 9.5% until 1 July 2021, when it will rise to 10%.
It will then rise annually until it reaches 12%.
Check your
payslip or ask
your employer to
see if there is an
opportunity to get
more super.

8. Putting in a bit more
Voluntary contributions
Benefit from ‘earnings on earnings’
How to find a bit of extra cash to put in
Taking your lunch to work could
save you over $35 a week
Skipping that second
coffee each day could save
you over $15 per week

9. Start salary sacrificing
Super
accountBefore tax
contributions
After tax
contributions
Marginal
income tax
rate
This diagram is provided for illustrative purposes only.
Contributions
tax (15%)
Salary
Take home
pay
Salary sacrifice

10. -$563$1,079
Salary sacrificing – example
To super
$3,750
Income tax1
$17,428
Salary
$75,000
5% after tax
contributions
This diagram is provided for illustrative purposes only.
1 Medicare Levy of 2% is included. We’ve rounded our figures in this calculation. We’ve used the tax
rates for the 2015/16 financial year and included the Medicare levy. For all other assumptions please
take a look at the QSuper Salary Sacrifice calculator at qsuper.qld.gov.au/calculators. This information
shouldn’t replace financial or taxation advice.
Note: our salary sacrifice calculator is generic only and doesn’t replace getting personal advice. It’s
based on a specific set of circumstances so your actual results may differ.
$3,750
Salary
$75,000 5% before tax
contributions
$3,750
After tax
Before tax – salary sacrifice
Income tax1
$16,123
Take home
pay
$53,822
Take home
pay
$55,127
To super
$3,187
$1,305
5% + tax
savings
$5,681 Income tax1
$15,497
Take home
pay
$53,822
To super
$4,829
$0
0% Tax
15% Tax
Net position $1,079Net position $742

11. Salary sacrificing – example
$0
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
$900,000
$1,000,000
22 24 26 28 30 32 34 36 38 40 42 44 46 48 50 52 54 56 58 60
Superannuation($PV)
Age
After tax contributions Before tax contributions + tax savings
Before tax +
tax savings
$973,794
This graph is purely for Illustrative purposes only. The assumptions used are: Investment return in the Accumulation account phase is
6.5% p.a. We’ve used this graph to show you how salary sacrifice contributions (before income tax) compare to after tax contributions to super
over an extended period of time. Wages growth is indexed with AWOTE at 4.0% p.a.
$0
$100,000
$200,000
$300,000
$400,000
$500,000
$600,000
$700,000
$800,000
$900,000
$1,000,000
22 24 26 28 30 32 34 36 38 40 42 44 46 48 50 52 54 56 58 60
Superannuation($PV)
Age
Before tax contributions 5% only After tax contributions Before tax contributions + tax savings
After Tax
$892,712Before tax 5%
$850,437

12. Get a co-contribution1
Make a personal after-tax contribution
Lodge your tax return
1 Subject to eligibility. Co-contribution rates apply for the 2015/2016 financial year.
$500 maximum per year Reduces Nil
$36,021 $51,021
50 cents of theirs for $1 of yours

13. Consolidate your other super1
Easier to keep track of your super
Ensure you’re not paying duplicate fees which
means you could have more to invest for the future
We take care of the legwork for you
1 Before you ask us to consolidate your super we recommend you seek financial advice and/or check with your other funds in
regards to exit or penalty fees, tax implications or other loss of benefits, such as insurance or pension options.
Consolidate With QSuper through Member Online

14. Find any lost super
SuperSeeker1: ato.gov.au/superseeker
1 SuperSeeker is an free external online service provided by the Australian
Taxation Office. You’ll need your Tax File Number to get started.
2 Lost super as stated by ato.gov.au as at 30 June 2015.
Fact: There’s
over $12.7 billion2
in lost super

15. Choosing your investment options
Take control
– trade online
Make some
decisions
Set for Life Mix your own
investments
• Australian shares
• Term deposits
• Exchange
traded funds
Cash
Diversified Bonds
International Shares
Australian Shares
Moderate
Balanced
Socially Responsible
Aggressive
Take control of your
investing with online
trading. A great alternative
to a self managed super
fund.
If you want to have a say
about where your super is
invested but don’t want to
be totally hands on, the
Your Choice investment
options could be for you.
If you want to make an
active choice over how
your super is invested,
our Ready Made options
will suit you.
Lifetime is our industry-
leading investment option
that automatically adjusts
your investment strategy
based on your age and
Lifetime balance.
Your
Your super investment strategy should
change as you get older and as you
accumulate more money.
“You don’t need to lift a finger!”
Outlook <40 Any balance
Aspire 1 40-49 Less than $50,000
Aspire 2 40-49 $50,000 or more
Focus 1 50-57 Less than $100,000
Focus 2 50-57 $100,000-$250,000
Focus 3 50-57 $250,000 or more
Sustain 1 58+ Less than $300,000
Sustain 2 58+ $300,000 or more
Group name Your age Lifetime balance Risk – Low to High
* All objectives are after fees and tax, measured over rolling 10-year periods.
# Standard risk measure.

16. Just quickly, we need to let you know that the credit services advertised are provided by QInvest Limited. QSuper doesn’t receive any direct payments or commissions from
QInvest Limited as a result of members using the LoanFinder service. You should make your own decision about how suitable this service is for your individual needs.
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17. • No longer working for the Queensland Government?
QSuper can still be your fund of choice.
• You can continue to enjoy the same
great benefits you know and trust.
• Your family and friends may also be
eligible to apply to join QSuper.
• Anyone will soon be eligible to
apply to join QSuper.

18. We’re always here to help
General super
information
Have a conversation with us
on 1300 360 750
Get information, and use the tools and
calculators on our website
qsuper.qld.gov.au
Personal financial
advice1
Choose from a range of advice
services to suit your needs
Visit qinvest.com.au
or call 1800 643 893
1 Advice fees apply

19. Questions and answers