Resources

General

Smart Easy Actions

Your credit card

How to make your credit card work for you.

Your credit score

why they are important and how to get your credit report.

Super - it certainly is!

Super – it certainly is!

Governance

Factsheets

Binding death benefit nomination

How binding death benefit nominations work and how to set up a binding nomination of your account in the Fund.

Budget tax changes 1 July 2017

Summary of the key superannuation tax changes from the 2016 Federal Budget.

Identification rules and certification of documents

The law requires us to verify a member’s identity for certain transactions—here’s an outline of the requirements and how to get copies of documents legally certified.

Leaving your employer

For smartMonday PRIME members – what happens with your super membership and account when you leave your employer.

Policy committee guidelines

An employer guide to policy committee responsibilities and the appointment and removal of committee representatives.

Letter of Compliance

Letter for your employer or transferring fund – confirmation that the Fund is a complying superannuation fund.

Enquiries & complaints resolution procedure

Sets out the procedures to be followed when making an enquiry or complaint.

Tax on super

How contributions made to super, earnings inside super and benefits paid out of super are taxed.

Forms

Authority to advise

Appoint a personal financial adviser, provide servicing and transactional authority to them, and authorise the payment of adviser service fees.

Binding death benefit nomination

Make a binding nomination on your account.

Change member details - smartMonday DIRECT

Advise us of a change of name, date of birth, contact details, or employment status.

Change member details - smartMonday PRIME

Advise a change of name, date of birth or contact details.

Internal transfer within the Fund

Request a transfer within smartMonday superannuation products.

It's your choice

Elect to have future employer contributions paid into your smartMonday PRIME or smartMonday DIRECT account.

Renewal of binding death benefit nomination

Renew a current binding nomination on your account.

Revocation of binding death benefit nomination

Revoke a current binding nomination on your account.

Tax file number notification

Provide your tax file number to the trustee.

Factsheets

Rollover options

If you’re a smartMonday PRIME member and you change jobs, you can keep your super with us or choose from a number of other rollover options.

Forms

Rollover initiation request to transfer whole balance of superannuation benefits between funds - smartMonday PRIME

Request the transfer of your super from another fund to smartMonday PRIME

Rollover initiation request to transfer whole balance of superannuation benefits between funds - smartMonday DIRECT

Request the transfer of your super from one super fund to another super fund.

Factsheet

Contribution splitting

If you want to split your super contributions with your spouse, here are the rules and how to make a split.

Letter of Compliance

Letter for your employer or transferring fund – confirmation that the Fund is a complying superannuation fund.

Spouse contributions

If you make contributions on behalf of your spouse, you may be eligible for a tax offset. Read how spouse contributions work and the potential advantages.

Forms

Direct debit request and agreement - smartMonday DIRECT

Arrange for contributions to be made directly from your bank account.

Lump sum contribution

Make a lump sum after-tax contribution by cheque or electronic funds transfer (EFT).

Notice of intent to claim a tax deduction

Claim a tax deduction on personal (after-tax) contributions or reduce a previous claim for a tax deduction.

Spouse contributions splitting from the Fund

Split contributions you have made to your smartMonday PRIME or smartMonday DIRECT account with your spouse.

Spouse contributions splitting into the Fund

Split contributions in another fund and transfer them to your spouse's account in smartMonday PRIME or smartMonday DIRECT.

Factsheets

Occupation ratings

The type of work you do affects your occupation rating which, in turn, affects the cost of your insurance cover in the Fund. Use this guide to find the occupation rating for the work you do.

Insurance changes 1 July 2017

Summary of the insurance changes and enhancements we made in the Fund from 1 July 2017.

Forms

Continuation of income protection insurance - smartMonday PRIME

Apply to continue income protection cover on leaving your employer.

Death and total and permanent disablement (TPD) and income protection cover (short form)

Apply for or increase death and/or total and permanent disablement cover up to $1,000,000 and/or income protection up to $8,000 monthly benefit.

Individual insurance transfer

Transfer your current insurance cover with a superannuation fund or retail insurer to smartMonday PRIME or smartMonday DIRECT.

Insurance update - smartMonday

Opt out of minimum level cover for death and TPD, fix or reduce death and/or TPD cover, change TPD definition, change income protection benefit/waiting periods, update occupation record, or cancel insurance cover.

Life stages cover

Apply for life stages cover for death and total and permanent disablement.

Personal statement and declaration of health

Apply for or increase your insurance cover.

Investment returns


Factsheets

Automatic rebalancing in smartMonday DIRECT

This facility offers smartMonday DIRECT members an easy way to maintain their intended asset allocation across managed investment options.

Direct investment option guide

A comprehensive guide for members who are interested in investing a portion of their super directly in Australian shares, exchange-traded funds, and term deposits.

Introduction to investments

A guide to the basic concepts of investing.

Investing with us

The Fund offers a diverse range of investment structures and managers for members to select from.

Understanding investment risk

All investments carry some form of risk but there are ways to manage it.

Forms

Switching managed investment options - smartMonday DIRECT

Change managed investment options for current account balance and future cashflow or opt in to automatic rebalancing.

Switching managed investment options - smartMonday PRIME

Change managed investment options for current account balance and future cashflow.

DIO Investment Menu

Factsheets

Transition to retirement pension

Like the thought of retiring but not ready to stop work yet? Using your super to buy a transition to retirement pension might be the solution.

Forms

Change member details and options - smartMonday PENSION

Change member details, request conversion of a transition to retirement pension to a retirement pension, switch investment options, provide payment instructions, or nominate or update beneficiaries.

Commutation or rollover request

Use this form to take all or part of your pension as a lump sum, or to rollover to another complying fund.

Rollover initiation request to transfer whole balance of superannuation benefits between funds - smartMonday PENSION

Request the transfer of your super from another fund to smartMonday PENSION

Tax File Number Declaration – Instructions & Form

Information provided in this declaration helps to determine how much tax to withhold from payments made to you.

General

Tax file number notification

Provide your tax file number to the trustee.

Revocation of binding death benefit nomination

Revoke a current binding nomination on your account.

Renewal of binding death benefit nomination

Renew a current binding nomination on your account.

It's your choice

Elect to have future employer contributions paid into your smartMonday PRIME or smartMonday DIRECT account.

Internal transfer within the Fund

Request a transfer within smartMonday superannuation products.

Binding death benefit nomination

Make a binding nomination on your account.

Change member details - smartMonday PRIME

Advise a change of name, date of birth or contact details.

Change member details - smartMonday DIRECT

Advise us of a change of name, date of birth, contact details, or employment status.

Authority to advise

Appoint a personal financial adviser, provide servicing and transactional authority to them, and authorise the payment of adviser service fees.

Consolidate

Rollover initiation request to transfer whole balance of superannuation benefits between funds - smartMonday PRIME

Request the transfer of your super from another fund to smartMonday PRIME

Rollover initiation request to transfer whole balance of superannuation benefits between funds - smartMonday DIRECT

Request the transfer of your super from one super fund to another super fund.

Contributions

Direct debit request and agreement - smartMonday DIRECT

Arrange for contributions to be made directly from your bank account.

Lump sum contribution

Make a lump sum after-tax contribution by cheque or electronic funds transfer (EFT).

Notice of intent to claim a tax deduction

Claim a tax deduction on personal (after-tax) contributions or reduce a previous claim for a tax deduction.

Spouse contributions splitting from the Fund

Split contributions you have made to your smartMonday PRIME or smartMonday DIRECT account with your spouse.

Spouse contributions splitting into the Fund

Split contributions in another fund and transfer them to your spouse's account in smartMonday PRIME or smartMonday DIRECT.

Retirement

Change member details and options - smartMonday PENSION

Change member details, request conversion of a transition to retirement pension to a retirement pension, switch investment options, provide payment instructions, or nominate or update beneficiaries.

Commutation or rollover request

Use this form to take all or part of your pension as a lump sum, or to rollover to another complying fund.

Rollover initiation request to transfer whole balance of superannuation benefits between funds - smartMonday PENSION

Request the transfer of your super from another fund to smartMonday PENSION

Tax File Number Declaration – Instructions & Form

Information provided in this declaration helps to determine how much tax to withhold from payments made to you.

Insurance

Continuation of income protection insurance - smartMonday PRIME

Apply to continue income protection cover on leaving your employer.

Death and total and permanent disablement (TPD) and income protection cover (short form)

Apply for or increase death and/or total and permanent disablement cover up to $1,000,000 and/or income protection up to $8,000 monthly benefit.

Individual insurance transfer

Transfer your current insurance cover with a superannuation fund or retail insurer to smartMonday PRIME or smartMonday DIRECT.

Insurance update - smartMonday

Opt out of minimum level cover for death and TPD, fix or reduce death and/or TPD cover, change TPD definition, change income protection benefit/waiting periods, update occupation record, or cancel insurance cover.

Life stages cover

Apply for life stages cover for death and total and permanent disablement.

Personal statement and declaration of health

Apply for or increase your insurance cover.

Investment

Switching managed investment options - smartMonday DIRECT

Change managed investment options for current account balance and future cashflow or opt in to automatic rebalancing.

Switching managed investment options - smartMonday PRIME

Change managed investment options for current account balance and future cashflow.

Calculators

Calculations performed on these calculators are general in nature and have been prepared without taking account of your personal objectives, financial situation or needs. Before you make any decisions about your super you should read the relevant Product Disclosure Statement and consider seeking independent financial advice from a licensed adviser. The trustee and Aon Corporation will not be liable for any loss or damage arising from any inaccuracies, errors or omissions in information made available through these calculators.

The MoneySmart website features a number of superannuation and retirement calculators. Here are links to the calculators that you may find most useful.

Budget planner

Superannuation calculator

Super co-contribution calculator

Super contributions optimiser

Retirement planner

Note: The MoneySmart website has been developed by the Australian Federal Government and the Australian Securities and Investments Commission (ASIC), and calculators may be added or changed at any time. Please direct any questions regarding these calculators to MoneySmart.

Our insurance quote calculator will show you the cost of insurance for the different types and levels of cover available in smartMonday.

smartMonday insurance quote

Please use your desktop to access this calculator feature.

Contact us

1300 880 588
+61 2 4298 6023 (if calling from overseas)
PO Box 1949, Wollongong NSW 2500
 
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Make Mondays matter

smartMonday is the business name of the Aon Master Trust ABN 68 964 712 340 (the Fund) which has been registered by Aon Hewitt Limited ABN 48 002 288 646 AFSL 236667 as sponsor of the Fund. The Trustee of the Fund is Equity Trustees Superannuation Limited ABN 50 055 641 757 AFSL 229757 RSE Licence L0001458. smartMonday PRIME, smartMonday DIRECT and smartMonday PENSION products are part of the Fund.
© 2018 Aon Hewitt Limited – Financial Services Guide

The WeCare service is provided to members of the Aon Master Trust and their families by NHS Australia Pty Ltd ABN 38 080 244 195