SMF's Unique Features

• Investment Options - A comprehensive, diverse range of investment options including direct shares.
  
• Low fee structure - Low membership fee, discounts for large assets, wholesale pricing structure.
  
• Shareholder benefit cards - Available to those purchasing shares in companies offering loyalty programs.
  

Service to both the Employer and Member

SMF's philosophy is to continually advance its service standards and to this end regularly survey clients' attitudes with resultant implementation and improvement to procedures, systems and customer service.

SMF appoint an experienced superannuation consultant to manage the client relationship and your fund. Your appointed consultant will specifically:

1. Assist members with superannuation matters including the completion of forms and assistance with transfers from previous funds.
   
2. Provide Fund members with updates on changes to legislation, important dates for contribution payments and investment updates.
   
3. Conduct seminars and investment workshops on the accumulation of wealth to achieve financial independence in retirement.
   
4. A free superannuation review service is available to enable members to review their previous superannuation arrangements.
   
5. SMF provide all members with a minimum of two statements per annum.
   
6. Assist in the formation of a Policy Committee and keep these representatives informed on superannuation matters and legislative requirements.
   

Services Provided to Employer / Policy Committee

An SMF consultant will:

• be on site for enrolment of new members;
  
• SMF will assist in the establishment of a Policy Committee
  
• advise the employer on legislative requirements relating to superannuation and industry developments;
  
• provide regular superannuation updates and invitations to seminars, workshops and client functions;
  
• report on the performance of the Plan;
  
• report on trends in the membership of Plan and contribution levels;
  
• advise on the Plan's benefit design;
  
• report on insurance benefits and insurance claims;
  
• advise on investment options and provide performance information; and
  
• run group member education and communication forums including investment choice and superannuation information.
  

Summary of Services Provided to Members

The following services are provided to all members of the Plan:

• Trustee reports for members are produced twice yearly.
  
• Member benefit statements are produced twice yearly, for the six months to 31 December with a Newsletter and 12 months to 30 June with an Annual Review.
  
• Member Information Booklet is issued to each member on joining the Plan.
  
• Personal enrolment for each new employee on joining the Company.
  
• Personal consultation on joining the Plan and ongoing.
  
• Assistance with personal transfers and rollovers on joining the Plan and ongoing.
  
• Accommodate additional member contributions.
  
• Comprehensive and diverse investment choice.
  
• Policy Committee training is provided free of charge.
  
• Attendance at Policy Committee meetings by an experienced SMF consultant.
  
• Experienced consultant allocated to assist members.
  
• Flexible insurance cover Death, Death and Total & Permanent Disablement, Income Replacement.
  

Personal advice to members

Personal consultations are available to every member of the Plan on request. There may be a charge for consultation on the following issues by a VicWide Financial Services consultant. This would be negotiated in advance of work being undertaken.

• general superannuation matters;
  
• investment decisions and advice;
  
• annual reviews;
  
• salary sacrifice; and change of employment and Insurance requirements.