More 'insight' into our potential merger

In March 2021, we announced that we have entered into an agreement with one of Australia's largest and fastest-growing super funds, Sunsuper, to explore a potential merger of our funds as a way of powering your super. In the latest edition of your member newsletter Insight , we provide some more background about this, the trends driving superannuation mergers, and what it all means for APSS members. 

This edition also looks at some broader super industry changes coming in from 1 July 2021, including new before-tax and after-tax contribution limits. 

Another article considers how making a series of relatively small contributions can help someone rebuild super taken early during last year's COVID-19 pandemic. 

Finally, this edition also provides your regular quarterly investment update, this time for the quarter that ended 31 March 2021; a quarter that saw share markets continue to climb, helping to generate positive returns for the APSS's High Growth and Balanced investment options, while the Conservative and Cash options were flat. 

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Formula 1: APSS Defined Benefits

The main super benefit for APSS employee members is the APSS Defined Benefit. Unlike other super benefits, a defined benefit is determined by a formula rather than the performance of investment markets (and there are no fees), as explained in this fact sheet.

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Accumulating super

APSS Member Savings accounts, including Spouse and Rollover accounts, are designed to help you accumulate super over time by adding and investing your own super savings. They work a bit like a bank account but with some important differences as explained in this fact sheet.

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Flexible retirement income

What do you do with your super when you retire? In this fact sheet, we look at how APSS Pension accounts can turn your super into a flexible retirement income stream, and consider how much retirement income you might actually need. 

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