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Take control of your super in 2021

For all the challenges that 2020 threw at us, all of the APSS member savings investment options ended the year with small but positive returns. Meanwhile, for employee members with defined benefits, they continued to grow in line with a formula that is not affected by financial market performance. For many in our community, the events of 2020 had a more lasting financial impact. Loss of income or work insecurity led to some of our members drawing money from their super under the Federal Government’s COVID-19 early release scheme. Others opted to switch their super into lower-risk investment options after the share markets fell sharply in March and may have missed out on the subsequent recovery. In this edition of Insight, we offer some ways to take control of your super in 2021, especially if it has taken a backward step in the past year.

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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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