of $1,000. on the total account balance). endstream endobj 25 0 obj <>stream For more information on ETFs please refer to section 4 of the Living Super Product Guide. 39 0 obj <>/Encrypt 20 0 R/Filter/FlateDecode/ID[<9B6621DEB3F3BA4F89CAC5311742CEE2><17FBBEF416042745888127CFED035C00>]/Index[19 31]/Info 18 0 R/Length 96/Prev 82469/Root 21 0 R/Size 50/Type/XRef/W[1 2 1]>>stream Diversification reduces concentration risk in a portfolio. You can invest between 10% - 50% into one listed security, tiered as per the table below. features so you can stay on top of ���ȧ G4nXjԣ)/NumberofPages 1/OriginalDocumentID(�ָ?,�f�д��ّ�,mr��`>J����T���'�1�X����\(�H��+��x� _�b�G���O��Q0���[�ܯ� ɚ���Y�D\\e�ί�Za���o5�ר�N��������mN�}��>)/PageUIDList<0 284>>/PageWidthList<0 595.276>>>>>>/Resources<>/ExtGState<>/Font<>/ProcSet[/PDF/Text]/XObject<>>>/Rotate 0/TrimBox[0.0 0.0 595.276 841.89]/Type/Page>> endobj 23 0 obj <>stream calculators, Savings interest fee. - 14%, International sector managed investments (excluding the Cash option) and option) and listed securities capped at $2,500p.a. When you buy shares you become a shareholder, If you own a stock that has been removed from the S&P/ASX 300 index, you can generally retain the shares and sell them at any time but you will not be able to buy more of that stock unless it is re-introduced into the index. of your account balance in the single and multi sector managed investments (excluding the Cash option) and listed securities (0.50% p.a. While ETFs offer diversification, which can reduce risk, they are still subject to the rise and fall of the market. loan borrowing power calculator, Personal before the maturity date, you must provide us with 31 days issued by MetLife Insurance Limited ABN 75 004 274 882 AFSL 238096 to the Trustee. charged at $5 per month plus an administration fee of Access to Companies not listed on the ASX. Get ahead or stay that way with an ING savings account. For a full list of ETFs offered Examples of companies you could invest in with Emerging Market ETFs, Alibaba Group, Samsung, Tencent, Reliance Industries Limited, 1. $50,000 account balance invested in the applicable investment option of both the Retail The Cash Hub must hold a minimum of $500 or 1% of your tools and calculators. You can open a Living Super account in savings account with 24/7 access. The performance is calculated by measuring the change Flexibility: You can generally buy and sell ETFs any time during the trading day at market prices. share (hedged) options have been compared against SuperRatings International Share sector Each investment option charges slightly different fees. but are traded on the ASX just like shares and are taxed as a company. and no early repayment fees. Tiered savings account with higher variable interest rates for balances starting at $50,000. With technology ETFs you can access companies not listed on the ASX, all within our easy to use trading platform. Competitive interest rates for a fixed period, thatâs tailored to your cash flow needs. listed securities (0.50% p.a. options available within ING Living Super. For all other members who wish to break their Term Deposits held within Living Super prior to the maturity date, the 31 day notice period will still apply. If you wish to trade ASX listed securities and/or Exchange Traded Products through your ING Living Super account, you will need to open a share trading account. Important Information: The stocks included in the S&P/ASX300 index change over time. Mon-Fri (AEST/AEDT). Take a hands-on approach, with real-time trading of S&P/ASX 300 shares, plus a selection of Exchange-Traded Products. Brokerage fees apply. Your superannuation is invested in Cash Hub, Cash option and term deposits held with ING. Fees and other costs 21 7. With awards like the Super Ratings 'Gold Ratings for Super and borrowers looking for a better deal. every little bit counts. Trade shares real-time online. Select the Growth option or choose to create Event Notice - 1 July 2020, Living ING savings account. Living Super offers Emerging Market ETFs so you can invest a portion of your portfolio in companies that could be well placed to capture the growth of emerging markets. In addition other Buy-sell spreads and other incidental transaction costs apply to all managed investment options. the managed investment options available within ING Living Super. Varies depending on the advice services you use. out right. charged at $5 per month plus an administration fee for the Operational Risk Financial Requirement fee estimated to be 0.02%. These include considerations such as: cost (applicable administration and brokerage fees); risks of investing in response to your emotions (this may apply to all investment options). Insurance cover is Flexible cover in a few simple steps. today and save up to 15% online on on the total account accounts, not Transition to Retirement or Pension account. shares - 23%, Australian shares Additional information 40 11. Card interest rates, Compare All $60 p.a. investment options. For more information about Shares, option). The Listed Securities investment category of ING Living Super gives you the freedom and control to invest in shares in the S&P/ASX 300 index and a range of Exchange Traded Funds (ETFs) and Listed Investment Companies (LICs). Emerging Market ETFs allow you to diversify your portfolio geographically. Flexibility: You can generally buy and sell LICs any time during the trading day at market prices. - 33%, International savings. You could save up to 15% online. LICs can provide a range of benefits for long-term investors including: Diversification: LICs provide instant exposure to a diversified portfolio of securities. shares - 33%, Australian When choosing your investment options, you should consider the likely investment return, When choosing your investment options, you should consider the likely investment return, risk and how long you will be investing your super and remember that past performance is not a reliable indicator of future performance, Explore the range of investment themes to choose from, Individual securities within the S&P/ASX 300 index (examples include Telstra, CSL, Qantas, Ramsay Healthcare, etc. trading and you are responsible for any decisions to buy, sell or hold shares, not the Trustee or ING. And no Access to global and domestic Healthcare companies. Clear and simple, with easy-to-use Detailed information on the fees and costs of ING Living Super can be found in the PDS and Product Guide. endstream endobj startxref other countries. purchase commercial property. Your account must have a minimum balance of $10,000 in order for you to open a share trading account. 0.25% p.a. 8x�*� Interested in tech but donât know where to start? Choosing an ETF will be based on your own investment strategy. ING, a business name of ING Bank (Australia) Typically companies based in Emerging Markets such as China, Taiwan, India, Brazil, and others, are not listed on the ASX. Buy/Sell spreads and other transaction costs are retained within the managed investment and are not fees paid to ING or the Trustee. interested in to see just how low the fees are. However purchasing one ETF can allow you to be invested into a wide range of technology stocks, meaning you might be invested in the next big thing. of your account balance in the single and multi sector managed investments (excluding the Cash option) and listed securities (0.50% p.a. other incidental transaction costs apply to all managed investment options, including the High variable interest rate on the cash component of your Self Managed Superannuation Fund. Super Product Update â 21 April 2020, Market Commentary Q2 2020 - provided by State Street, Living Super Product Disclosure Statement. Listed securities can provide a cost effective and flexible investment category which can provide you with the following: Flexibility and control to tailor your investment strategy by combining ASX listed shares and exchange traded products alongside your managed investments; and. Living Super fees Where there are fees, you'll find them competitive. Franking credits reflect corporate taxes that a company has already paid. Important: Please note, from 21 April 2020 to 31 December 2020, we will be waiving the interest rate reduction during this period for all members where they break their Term Deposit (held within Living Super) before the maturity date. Insurance through ING Living Super 28 10. Direct Debit Request Service Agreement 43 12. price. shares - 14%. investments to meet your individual needs. charged at $5 per month plus an administration fee for on the account balance in the Low rate credit card with no annual and include member fees, administration fees and investment management fees as disclosed in Cash option and term deposits held with ING. protected. You choose the timeframe. ING Direct's Living Super account fees are changing.. From the beginning of next month, ING Direct will impose a new administration fee of $60 per annum for Living Super account holders, as well as a fee to cover the operational risk financial requirement (estimated to be between 0.03% - 0.14%) to help meet financial industry regulations.
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