3 Fees and costs are correct as at 22 November 2024. You may be eligible for a reduction in the asset administration fee deducted directly from your account depending on the size of your employer’s plan. Other fees and costs may apply, including activity fees, advice fees (for personal advice),buy-sell spreads and insurance fees (where applicable). Please read the Product Disclosure Statement for more information. We reserve the right to change our fees and/or costs in future. Estimated fees and costs are subject to change from time to time and changes to estimates may be published on the website. We recommend that you regularly check the website for updated fees and costs information.