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If you don’t make an investment choice, we'll automatically invest your super in the Lifecycle Investment Strategy, our industry recognised investment option and where most of our members are invested in.

It's important to note that you can change your investment option at any time with the click of a button in Member Online.

More information about our investment options can be found in the . For information on our fees view the .

In addition to the different objectives, risk profiles, investment assets and investment styles and strategies for each investment option, consider the different investment fees and costs applicable to each option.

If you're eligible, Standard Death and Total & Permanent Disability Assist (TPDA) cover is automatically provided to you when you turn 25 and reach an account balance of $6,000.

You can elect for this Standard cover to start now, and have the option to change or cancel your insurance cover once you create your account, log into Member Online, and your cover starts. Once you've joined as a member with us, you have 120 days to add Opt-In Income Protection cover without needing to provide complicated forms and medical information to receive cover. If you work in a White Collar role, you may be eligible to receive insurance cover at a reduced rate if you apply for White Collar cover within the same 120 days. Please read the  for full details of eligibility and other terms and conditions.

Your beneficiaries are the person(s) who you would like to receive your super and insurance benefits when you die.

You can nominate your beneficiaries once you create your account and log into Member Online.