Documente Academic
Documente Profesional
Documente Cultură
15 August 2012
w.bowler@ampfp.com.au
Mr H K Ung
364 Canleyvale Road
CANLEY HEIGHTS NSW 2766
02 8837 7856
CustomSuper@amp.com.au
customsuper.amp.com.au
AMP Corporate Superannuation
Locked Bag 5400 PARRAMATTA NSW 1741
Member details
H K Ung
ACCOUNT NUMBER
964018870
January 1960
Supplied
CustomSuper
LSW Staff Superannuation Plan 00920246
Member Statement 1 July 2011 to 30 June 2012
ACCOUNT BALANCE
AT 30 JUNE 2011
FUNDS IN
INVESTMENT
RETURN
FUNDS OUT
ACCOUNT BALANCE
AT 30 JUNE 2012
$170,940.77
$5,077.26
$4,144.95
$1,045.26
$179,117.72
Account summary
Benefit category
01
$235,154.99
$235,154.99
$583.72
2.69%
Important information
Please refer to the Action required section (at the back of your statement) for important information that requires your
attention.
Registered trade mark of AMP Life Limited ABN 84 079 300 379
Page 1 of 8
Investment details
Your investment return
Transaction
Value $
Investment return
5.45%
4,144.95
Member Fee
-83.64
597.66
3.54%
3.55%
2.81%
2.69%
$4,658.97
2.69%
Allocation %
Current
No. of units
Unit price $
Investment value $
Future
71.44
0.00
127,954.46
28.56
100.00
5,493.15
9.31401
51,163.26
Total
100%
100%
$179,117.72
*This investment option does not have a unit price. It has a crediting rate.
You are currently invested in the default investment option(s) set up for this plan. You can change your investment options at any time.
Refer to the Product Disclosure Statement (PDS) for more information on other investment options that may be available to you.
The Allocation % shows how your current investments have been allocated and how your future contributions or transfers will be
allocated across your investment options (current as at 30 June 2012).
Inception date
Since inception
5 years
10 years
3.28
3.51
3.14
3.10
Past performance is not an indication of future performance. The investment returns are for the period shownthey are not the returns
of your own personal investment.
Returns are calculated in a way which is consistent with industry best practice. The investment fees and any applicable taxes payable
on this investment have been deducted from the return.
Fees that are directly deducted from your account, such as member fees and advice fees, have not been deducted from the investment
return displayed. You should consider the impact of these fees prior to making any investment decisions.
Crediting rates
Investment option
Period
01/07/2011 - 31/08/2011
3.60
01/09/2011 - 31/10/2011
2.60
01/11/2011 - 31/12/2011
2.20
01/01/2012 - 29/02/2012
1.90
01/03/2012 - 30/06/2012
1.60
Rate % pa
Page 2 of 8
Capital guaranteed options are designed to give security in the shorter termthis is usually at the cost of lower potential
returns (than for other types of investment options) over the longer term.
Depending on your personal circumstances, financial objectives and needs, you may want to consider other options that
may provide higher potential returnsbut with a higher level of riskover the longer term.
If you are interested in investment arrangements that may be more suitable for your personal circumstances, you should
speak to your financial planner or contact us at AMP.
Benefit details
Withdrawal benefit
Withdrawal benefit details
Amount $
$170,940.77
179,117.72
Preserved*
Restricted non-preserved*
Unrestricted non-preserved*
151,215.73
27,901.99
0.00
$179,117.72
*See your Member guide fact sheet for an explanation of these terms.
Sub-account balances
Sub-account
Balance $
Employer
54,594.25
Employer additional
11,628.95
Member
66,045.10
Salary Sacrifice
Rollover
Total sub-accounts
1,153.26
45,696.16
$179,117.72
Page 3 of 8
Default cover $
Additional
cover $
Total cover
amount $
Monthly
charge $
Death
51,886.36
51,886.36
45.20
51,886.36
51,886.36
540.48
540.48
$45.20
Total cover amount is effective at the commencement of the new statement period.
Your insurance cover may have minimum and/or maximum limits applied, subject to your plan's rules or any Government legislation.
Your insurance cover may be restricted to lower levels of cover due to automatic acceptance limits and/or any underwriting assessments
by the insurer.
The monthly charge for your Default TPD and TTD cover is included in the charge for your Death cover.
The monthly charge for your insurance cover is made up of the monthly premium plus any applicable stamp duty.
The value of your insurance benefits may change at any time.
Calculation details
12.5% of your salary times years of future membership to the normal retirement
age.
Transactions
Payments received
Contribution type
Description
Date
Employer contributions
15/07/2011
287.37
18/08/2011
229.90
15/09/2011
295.99
21/11/2011
473.58
16/12/2011
295.99
20/02/2012
479.51
02/05/2012
319.67
01/06/2012
236.79
Amount $
$2,618.80
15/07/2011
155.00
18/08/2011
124.00
15/09/2011
155.00
21/11/2011
248.00
16/12/2011
155.00
Page 4 of 8
Transactions continued
Contribution type
Description
Date
20/02/2012
217.00
02/05/2012
155.00
01/06/2012
124.00
$1,333.00
Government co-contribution
18/11/2011
526.80
Government co-contribution
13/03/2012
1.00
Amount $
$527.80
$4,479.60
If you intend to claim a personal tax deduction on member contributions, complete and submit to us an ATO Notice of Intent to claim
or vary a tax deduction for personal contributions form. Go to amp.com.au/forms to download a formalternatively, call us for a copy.
Transaction summary
Transaction type
Transaction description
2,618.80
1,333.00
597.66
527.80
Investment return
Investment return
Funds out
$4,144.95
528.00
50.39
Member Fee
83.64
69.60
$5,077.26
Contribution Fee
Contributions tax
$170,940.77
Total funds in
Amount $
313.63
$1,045.26
$179,117.72
The Contribution Fee has been deducted from your account after allowing for the 15% tax deduction that is available to AMP Life.
The Member Fee has been deducted from your account after allowing for the 15% tax deduction that is available to AMP Life.
Contributions tax applies to employer and salary sacrifice contributions paid into your account.
Page 5 of 8
Transactions continued
Fee summary
Fee type
Description
Amount $
Rebates
597.66
Direct fees
The fees and costs deducted directly from your account. See the
Transaction summary for details.
134.03
This approximate amount has been deducted from your investment and
includes all the other management costs that were not paid directly out
of your account.
2,836.28
$2,372.65
This approximate amount includes all the fees and other management
costs that affected your investment during the period.
The Total fees you paid amount includes Other management costs. You do not actually see Other Management Costs deducted from
your account since the costs are deducted from the unit prices or interest rates for your investment options. The amount shown allows
for a 15% tax deduction that is available to AMP Life.
Management costs
Fee name
Fee description
Member Fee
Contribution Fee
Any rebate values that may apply do not allow for the tax credits that are available to AMP Life. This means these fees and rebates will
be further reduced by approximately 15%.
Employer details
Employment details
Employer name
3 February 1986
1 February 1993
Salary
$33,207.27
Please refer to your Product Disclosure Statement (PDS)including the Plan Summary, Member Guide, Investment Guide Fact Sheets
and Insurance Guide Fact Sheetsfor the meaning of the term 'salary' which applies to you.
Page 6 of 8
Additional contributions
Making additional contributions
Payment type
Payment details
BPAY
Additional contributions may be made to your account (where eligible) using BPAY.
Note: We can only accept BPAY payments from a cheque or savings account. We do not accept
payments from a credit card account.
When making your payment, use the applicable biller code (below) and your Customer
Reference Number (CRN): 9640188703.
Contributions type
Cheque
Biller code
Member
879049
Spouse
879064
Action required
You have not nominated a beneficiary
You have not nominated a beneficiary for your account. You can lodge your
nomination details at any time by completing Beneficiary nomination form.
For the trustee to pay your benefit to your beneficiary, your nomination must be
valid, and your beneficiary must be your legal representative, or qualify as a
dependant under superannuation law.
You can confirm, change or cancel your nomination details at any time by
completing a Beneficiary nomination form. Please contact us for a form or visit
our website.
You can also update non-binding beneficiary nominations on My portfolio
(amp.com.au/myportfolio).
Page 7 of 8
Additional information
Important
We are obliged to provide you with the information you need to understand your account and benefit entitlements. The additional
information below supports and explains the details contained in this document. Please also refer to the Product Disclosure Statement
(PDS) for your product or visit customsuper.amp.com.au for more information.
If you have any further questions about any aspect of your account, including investment options, benefits (including insurance benefits),
fees and charges that apply or how to make contributions to your account, please call your financial planner or contact a Customer Service
Officer at AMP.
Please note that some of the information below may not apply to your account.
Statement notes
The following topics may be referenced in
your statement:
Withdrawal benefit
Your withdrawal benefit may be made up
of one (or both) of the following amounts:
i. for non-unitised investment options (if
applicable), the balance of these
options, including investment return
ii. for other investment options (if
applicable), the number of units you
have, multiplied by their unit price.
Your withdrawal benefit amount may
change as a result of:
i. any transactions after the withdrawal
date eg contributions, fees and charges,
insurance premiums, and earnings
(which may be positive or negative).
ii. unit prices changing each day (ie they
can rise and fall), so your account value
also changes to reflect the new prices.
Complaints handling
We want to resolve customer complaints
and have a process in place to do this. If you
have a complaint, please initially contact a
Customer Service Officer at AMP.
However, if you are not satisfied with the
outcome to a complaint, you may seek an
independent resolution by referring it to
the Superannuation Complaints Tribunal.
Family accounts
Your plan may have a family account category,
which your family members can apply to join.
For more information on family accounts,
please contact us.
Personal details
Disclaimer
Page 8 of 8