Issued by Togethr Trustees Pty Ltd ABN 64 006 964 049, AFSL 246383 ("Togethr"), the trustee of Equipsuper ABN 33 813 823 017 ("the Fund"). The information contained is general advice and information only and does not take into account your personal financial situation or needs. You should consider whether this information is appropriate to your personal circumstances before acting on it and, if necessary, you should seek professional financial advice. Where tax information is included, you should consider obtaining taxation advice. Before making a decision to invest in the Fund, you should read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) for the product which are available at equipsuper.com.au
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Financial advice services may be provided to members by the trustee’s related entity Togethr Financial Planning Pty Ltd (ABN 84 124 491 078; AFSL455010). The information contained herein is general information only. It has been prepared without taking into account your personal investment objectives, financial situation, or needs. It is not intended to be, and should not be, construed in any way as investment, legal or financial advice. Past performance is not a reliable indicator of future performance. This email and any attachment is confidential and may also be legally privileged. If you are not the intended recipient, any use or dissemination of the information and any disclosure or copying of this email is unauthorised and strictly prohibited. If you have received this email in error, please promptly inform us by reply email or telephone. You should also delete this email and destroy any hard copies produced. You have received this email because you registered your email with us.

²Results for Jul-Oct 2023 fieldwork

*This is an estimate of your account balance as at 31 December 2023.  Your actual balance as at that date may be different once any applicable deductions (e.g., for administration fees or insurance premiums) are taken into account.

**If you have multiple super accounts, there is a good chance you have some form of insurance with each account. Rolling your money out and closing these accounts will cancel this insurance. While this means you are no longer paying multiple insurance premiums annually, you should consider the effects of cancelling insurance cover before making any changes. You can also apply to transfer any death and TPD cover you have in other funds, up to a limit. However, this must be done before you close the other account.

*** Exceeding the concessional contributions cap may result in reduced tax benefits. If you are on a lower income and have the capacity to make additional contributions to your super, you may be better off making after-tax contributions instead of salary sacrifice contributions. If your ‘income’ is more than $250,000 including super, tax benefits may be reduced. Learn more about contributions tax.