LOGIN Fees and taxes Fees Just like most super funds, we deduct some money from your account to cover the cost of looking after and investing your money. Because we’re a profit-to-members fund, our fees are set to cover our costs only. We don’t pay dividends to shareholders which means we return more to you through lower fees and charges. Before making any decision about your pension, it’s important to consider that fees are only one part of the bigger picture. What’s best for you will depend on your personal situation. For more info about the types of fees we charge, watch the video below. Type of fee Amount How and when paid Investment fee1,2 Account-based pension High Growth 0.37% Growth 0.33% Conservative Balanced 0.27% Stable 0.24% Capital Guarded 0.24% Australian Shares 0.10% International Shares 0.08% Property 0.08% Bonds 0.20% Cash 0.08% Term Deposit 0.00% Pre-retirement pension High Growth3 0.37% Growth 0.35% Conservative Balanced3 0.27% Stable 0.24% Australian Shares 0.10% International Shares 0.08% Property 0.08% Bonds 0.20% Cash 0.08% We generally calculate and deduct this fee daily when unit prices are determined. Administration fee2 0.16% pa. Percentage fee is zero for Term Deposit. We generally calculate and deduct this fee daily when unit prices are determined. Buy-sell spread Nil Switching fee Nil Advice fees We offer a complimentary appointment with a financial adviser for all members and personal advice fees are up to a maximum of $2,750. You can choose to have the portion of the advice that is super related deducted from your super account and be invoiced the remaining amount, or you can choose to have the full amount invoiced. Other fees and costs4 Nil Indirect cost ratio1,2 Account-based pension High Growth 0.24% Growth 0.29% Conservative Balanced 0.38% Stable 0.36% Capital Guarded 0.36% Australian Shares 0.00% International Shares 0.06% Property 0.13% Bonds 0.13% Cash 0.00% Term Deposit 0.00% Pre-retirement pension High Growth3 0.21% Growth 0.28% Conservative Balanced3 0.40% Stable 0.37% Australian Shares 0.00% International Shares 0.07% Property 0.14% Bonds 0.14% Cash 0.00% This is an estimate of the annual indirect cost ratio for each investment option. The actual costs are deducted from the return paid to the Fund when each unit price is determined. 1 The investment fees and indirect costs shown are estimated by reference to investment related fees and costs, including underlying investment manager costs, incurred for the 12 month period to 30 June 2021. Accordingly, actual investment and indirect costs over the current period of the PDS will vary based on actual fees and costs incurred in that period. 2 If your account balance for a product offered by the superannuation entity is less than $6,000 at the end of the entity’s income year, the total combined amount of administration fees, investment fees and indirect costs charged to you is capped at 3% of the account balance. Any amount charged in excess of that cap must be refunded. 3 If you’re invested in the Lifecycle Investment Strategy, you’ll be invested in a mix of the High Growth and Conservative Balanced investment options based on your age. Your fees will be weighted across these investment options according to this mix. You can find more information in the Pension PDS. 4 We may apply other fees and costs which relate to family law splits, answering subpoenas, advice fees for personal advice and term deposit early withdrawal fees. See the ‘Additional explanation of fees and costs’ in the Pension PDS for further details. Compare us See how Mine Super stacks up against other super funds on things like investments, fees, insurance and services. Use the free Chant West AppleCheck comparison tool below. I accept the terms and conditions detailed below Terms and conditions You will be linked to the Chant West website. Chant West AppleCheck is provided solely by Chant West Pty Limited ABN 75 077 595 316 and not by Mine Super or by Chant West acting as Mine Super agent. Accordingly, Mine Super accepts no responsibility for the accuracy, quality or fitness of the information or services provided by Chant West. Chant West AppleCheck is being provided to you for no charge at the request and cost of Mine Super. Accordingly, Chant West will provide Mine Super with a copy of the personal information you provide above. In all other respects, Chant West will treat the personal information you provide in accordance with its Privacy Policy. Chant West may provide Mine Super with a copy of the personal information you provide to access AppleCheck. Mine Super may use this information to contact you and provide further details about the products and services we offer. In all other respects, Mine Super will treat this personal information in accordance with our Privacy Statement Mine Super may purchase products from Chant West on commercial terms but isn't a shareholder in Chant West and has no influence over the research results and ratings. The information is not a substitute for financial advice. It doesn't take into account your objectives, financial situation or specific needs. You should consider seeking advice before acting on any of this information. If you have a choice about whether to join this Fund you should first consider our Product Disclosure Statement, which you can download from this website or call 13 64 63 to request a copy. If you need personal financial advice Mine Super Financial Advice can help. The fully qualified advisers can look at your financial position and put in place strategies specifically tailored to your circumstances and needs. Call 13 64 63 to speak to an adviser or arrange a face to face meeting at one of the many regional centres of Queensland, New South Wales, Western Australia and Tasmania. Email us Sign up Contact us MySuper Product Dashboard About us Super PDS Pension PDS Privacy Policy Financial Services Guide Contact us Complaints Issued by AUSCOAL Superannuation Pty Ltd ABN 70 003 566 989 AFS licence 246864 Trustee for the Mine Superannuation Fund ABN 16 457 520 308. This is general information only and does not take into account your financial situation, needs or objectives. Before acting, consider if the information is right for your needs and circumstances and read the relevant Product Disclosure Statement. The Target Market Determinations (TMD) for our financial products can be found at mine.com.au/tmd. This information is based on our understanding of current Australian laws and assumes they will remain unchanged. Any links to external sites are for information purposes only and are not an endorsement. We take no responsibility for the content. Advice is provided by Mine Super Services Pty Ltd ABN 49 051 315 014 AFS licence 502700.