When you join Catholic Super, an individual account is opened in your name.

What goes in:

• your employer's contributions (usually 9% of your salary in accordance with Superannuation Guarantee legislation) if applicable;
• your own personal contributions and salary sacrifice contributions;
• any spouse contributions made on your behalf by your spouse;
• Super Co-contribution (if applicable)
• any amounts you transfer in from other superannuation funds; and
• investment returns on your account net of fees and taxes (may be positive or negative).

What comes out:

• tax and other Government charges as applicable;
• administration fees; and
• insurance premiums (if applicable).

Catholic Super offers member investment choice, which means you can choose how your superannuation is invested. Each option has a different investment strategy and risk profile.

It is very important that you understand how investment choice works and that you choose the right option for your personal circumstances. In times of economic volatility, it is possible that some options may provide negative returns and therefore it is possible that your account balance may decrease.

Refer to the Product Disclosure Statement for more information.