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Fund profiles
| Integra Super |
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Overview:
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Expertly designed workplace super solution that delivers exceptional value, is easy to use and provides an extensive range of innovative employer and member services. All of this designed to consolidate you're role as an employer of choice.
Integra Super is specifically designed to meet the core employer super needs of most small to medium sized Australian businesses of between two and several hundred employees with low staff turnover and low levels of casual staff. Integra Super offers everything you need to effectively and efficiently manage your employer super obligations, in a convenient and cost effective offering.
With ING you can feel confident that you have chosen one of the largest and most trusted names in superannuation in Australia* to manage, grow and protect the retirement savings of your employees.
*ING Consumer Brand Research, Stancombe Research and Planning, June 2007 |
| Year of Establishment: |
1995 |
| Value of Funds: |
$5.08 billion |
Key Features for Employers:
Key Features for Members:
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- Hassle free new plan installation, transition management and new member set up service
- A wide choice of investment funds
- Access to comprehensive insurance cover for death, disablement and illness
- Competitive and flexible pricing with group fee discounts, no member fee for account balances over $25,000
- Efficient and time saving online contribution payment options
- Free and easy remittance of contributions to other super plans
- Policy committee support
- Dedicated customer service and reliable administration support
- Simple and easy to use website
- An extensive range of member services
- New online Member Super Centre with everything in one place, including account details and transactions (at www.ing.com.au/member)
- Interactive and online financial education, calculators and seminars
- Exclusive banking, lifestyle and entertainment benefits
- Family member benefits and discounts
- Hassle free rollover assistance from other support funds they may have elsewhere
- Helpful and efficient telephone and online customer service
- Ongoing and easy to understand communication and support
- Maintaining their account and most benefits when changing jobs
- A straightforward transfer to pension option when retiring
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| Administrator: |
ING Life Limited |
| Auditor: |
KPMG |
| Custodian: |
ING Custodians Pty Limited Insurer |
| Asset Consultant: |
ING |
| Insurer: |
ING Life Limited |
| INVESTMENT OPTIONS |
More than 50 investment options classified into the following risk profiles: |
| Defensive |
Suit investors who seek to maintain the original value of their investment and are prepared to accept lower returns for lower risk. |
| Conservative |
Suit investors who seek relatively stable returns and accept some risk through a diversified portfolio containing more than one asset class. |
| Moderate |
Suit investors who seek higher medium-term returns and accept the possibility of sustained negative returns over short periods. |
| Growth |
Suit investors who seek high long-term returns and accept the higher possibility of sustained negative returns over short periods and or capital losses. |
| High Growth |
Suit investors who seek to maximise long-term returns and accept the possibility of greater volatility and short-term capital losses. |
Integra Super |
Performance to 31 December 2007 |
| DIVERSIFIED INVESTMENT FUNDS |
1yr |
3yr |
5yr |
| Optimix Conservative |
2.90% |
5.91% |
6.13% |
| ING Capital Stable |
3.80% |
5.45% |
5.80% |
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Optimix Moderate |
4.08% |
7.86% |
- |
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ING Balanced |
6.57% |
10.28% |
10.31% |
| ING Protected Growth (new at 01/10/07) |
- |
- |
- |
|
Optimix Balanced |
6.78% |
10.92% |
11.21% |
| Optimix Growth |
7.82% |
12.11% |
12.46% |
|
ING Managed Growth |
5.78% |
10.75% |
10.85% |
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Optimix High Growth |
10.68% |
13.83% |
13.80% |
|
ING High Growth |
6.23% |
12.40% |
- |
| SINGLE SECTOR INVESTMENT FUNDS |
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Optimix Australian Fixed Interest |
0.70% |
1.85% |
- |
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ING Cash |
4.20% |
3.81% |
3.52% |
|
ING Diversified Fixed Interest |
-0.05% |
2.28% |
3.12% |
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ING Mortgages |
4.56% |
4.52% |
- |
|
Optimix Property Securities |
-11.48% |
7.53% |
- |
| ING Global Property Securities (new at 01/10/07) |
- |
- |
- |
|
ING Properties Securities |
-7.26% |
9.91% |
12.15% |
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Optimix Australian Shares |
16.10% |
18.32% |
- |
| Optimix Geared Australian Shares |
18.43% |
- |
- |
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ING Australian Shares |
20.66% |
20.91% |
20.26% |
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ING Blue Chip Imputation |
16.83% |
18.76% |
18.06% |
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ING Emerging Companies |
20.35% |
25.07% |
29.51% |
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ING Select Leaders |
23.23% |
23.09% |
29.86% |
| ING Sustainable Investments - Australian Shares |
24.14% |
21.41% |
- |
|
Optimix Global Shares |
-0.11% |
7.94% |
7.81% |
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Optimix Global Small Companies Shares |
-2.51% |
8.12% |
- |
|
ING European Shares |
1.10% |
9.29% |
8.28% |
|
ING Global Emerging Markets |
21.04% |
25.64% |
18.86% |
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ING Global Sector (Closed) |
-0.98% |
6.53% |
4.72% |
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ING Global Shares |
-6.33% |
4.58% |
5.75% |
| Insurance Available: |
Death, Death/ TPD, Group Salary Continuance (2 year & to age 65 benefit periods) |
| Extra Benefits: |
Financial Planning, Financial Seminars, Home Loans, Non-Super Savings Options, Retirement Planning, Super Splitting, Allocated Pensions. Member discounts on credit cards, personal loans and allocated pensions. Discounts and special offers on a range of lifestyle and entertainment packages |
| Communications: |
Employee Reports, Newsletters, Membership, Investment and Insurance Booklets (Our Insurance is contained in the member and employer books), Publications and Monthly Investment Performance available on website. Employer Super 'Breaking News' available from the ING website www.ing.com.au. Quarterly investment updates available from the ING website, www.ing.com.au. A member update/annual report mailed to all members. Online and workplace member education program. |
| Employer Services: |
Super clearing service available through EasyTransact – free for most plans. Online transactions. Dedicated new plan installation and transition management service. Super transfer service. Online employer information service. |
| FEES |
| Contribution fee |
Nil |
| Transfer fee |
Nil |
| Withdrawal fee |
$65 (after tax) |
| Administration fee |
Administration fee up to 1.10% p.a. (after tax) (including commission of up to 0.40% p.a.). Plans with account balances over $250,000 receive a rebate. |
| Investment Management fee |
0.29% p.a. to 1.53% p.a. after tax |
| Member fee |
$51.00 p.a. after tax for plans using EasyTransact. Nil for account balances >$25,000. |
| Adviser Service fee |
If agreed, either up to 1.00% p.a. (after tax) or up to $150 p.a. (after tax) |
| Fee Discounts |
Fees are tailored on a sliding scale dependent on plan balance. Family Fee discounts also available. Retail style fee tiering applies when members transfer to Personal. Members retain group premiums when they transfer to Personal. | |
The material was prepared in January 2008 but may be subject to change. Integra Super and Corporate Super are issued by ING Custodians Pty Limited ABN 12 008 508 496, RSE L0000763, AFSL 238346. This material has been prepared without taking into account a potential investor's objectives, financial situation or needs. Before making a decision based on this material, a potential investor should consider the appropriateness of the product for them having regard to their objectives, financial situation and needs. Before acquiring a product or deciding whether to continue to hold a product, investors should consider the relevant Product Disclosure Statement which is available at www.ing.com.au and consult a financial adviser. |
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