Investments FAQs

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There's a misconception that you need to be wealthy to have a financial planner, but today access to financial advice is more affordable. Your financial wellbeing is dependent on your ability to not only meet current financial challenges, but to maximise your financial situation today, so you can achieve the lifestyle you want for the future.

The first appointment with a Suncorp Financial Planner, where you'll discuss your current financial situation and financial goals, is free of cost and obligation. You can make an appointment by visiting a Suncorp Bank branch or calling 13 11 55.*

*If you proceed with advice provided by a Suncorp Financial Planner, you may be charged a fee. Any fee will be disclosed to you before you make a decision to proceed with the advice. These FAQs are bound by our standard terms and conditions.

To change your payment method, please contact the Suncorp Customer Service team on 1800 030 733 or life_customerservice@suncorp.com.au.

These FAQs are bound by our standard terms and conditions.

You can make an appointment by visiting a Suncorp Bank branch or calling 13 11 55. You can also make an appointment online.

These FAQs are bound by our standard terms and conditions.

If you die while a member of a super fund, the value of your accumulated benefit (and any life insurance) will usually be paid to the person you choose as your beneficiary - your spouse or child, for example.

There are usually three ways to nominate a beneficiary:

1. a binding nomination (if you die, your money must be given to the person you choose (if valid), but you must have re-nominated your beneficiary every three years). A binding nomination must made to a dependant, as defined under superannuation law to include spouse, child or another who is financially dependent on you. 2. a binding non-lapsing nomination (the same as a binding nomination except you don't need to re-nominate someone every three years) 3. a non-binding nomination (the super fund's trustee will have discretion as to whom your benefit should be paid. They must take your nomination into account, but don't have to pay it to the person you nominated).These FAQs are bound by our standard terms and conditions.

Note: only your legal personal representative or dependants under superannuation law can be nominated, for example, spouse, child, a person in an interdependency relationship with you or a person financially dependent on you at the time of death.

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If your circumstances have changed and you no longer need the same level of cover, we recommend that you contact your Suncorp Financial Planner to review your insurance needs. Alternatively, you can contact Suncorp Lifeguard Customer Service directly on 1800 030 733 or life_customerservice@suncorp.com.au.

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To change the policy owner, please contact Suncorp Customer Service directly on 1800 030 733, or life_customerservice@suncorp.com.au.

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Call your Suncorp Financial Planner to find out about the options available and to get a quote. They will assess your personal situation, and if you decide to go ahead, your Suncorp Financial Planner will be able to assist you in implementing the recommendations to suit your personal situation.

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The amount of insurance you need will depend on things like your level of debt (eg mortgage), number of dependents (e.g. spouse and children), and future lifestyle goals. A Suncorp Financial Planner can help you understand how much you'll need to protect yourself and your family. You can make an appointment by visiting a Suncorp Bank branch or calling 13 11 55.

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When you meet with a Suncorp Financial Planner, they will help you establish your current financial situation and future goals. They can then customise and implement a plan to help meet those goals. The first appointment with a Suncorp Financial Planner is free of cost and obligation. You can make an appointment by visiting a Suncorp Bank branch or calling 13 11 55.*

*If you proceed with advice provided by a Suncorp Financial Planner, you may be charged a fee. Any fee will be disclosed to you before you make a decision to proceed with the advice.

These FAQs are bound by our standard terms and conditions.

We'll let you know if you need any specific documents when you arrange an appointment, but some of the things we're likely to discuss in your first appointment include: -your income, debts and investments, including superannuation; -your current level of insurance; -the expectations you have for your financial situation and lifestyle in retirement; and -any questions you have.

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Children's recovery insurance - or child cover - provides you with a lump sum payment should your child suffer one of a list of specified medical conditions or procedures. To learn more about how this can help to protect you and your family, visit a Suncorp Financial Planner in a Suncorp Bank branch or call 13 11 55.

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Income protection insurance pays a monthly amount (usually up to 75% of your income) while you are unable to earn an income as a result of illness or injury. To learn more about how this can help to protect you and your family, visit a Suncorp Financial Planner in a Suncorp Bank branch or call 13 11 55.

These FAQs are bound by our standard terms and conditions.

Life insurance provides a lump sum payment to your beneficiaries on your (the life insured's) death or on the diagnosis of terminal illness. To learn more about how this can help to protect you and your family, visit a Suncorp Financial Planner in a Suncorp Bank branch or call 13 11 55.

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Salary sacrifice is the portion of pre-tax salary that an employee gives up in exchange for the employer making additional super contributions on their behalf. Because your super contributions are taxed at only 15%* by the super fund - as opposed to your marginal tax rate of up to 49% (including Medicare levy and temporary budget repair levy ) - more of your money can be invested than if you took this money as cash.

*Currently individuals earning more than $300,000 incur contributions tax of 30%. On top of this, the portion of your salary put into super does not count as assessable income, potentially reducing your tax bill.

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Total and permanent disability insurance (TPD) provides a lump sum if you suffer from an illness or injury that leaves you totally and permanently disabled. To learn more about how this can help to protect you and your family, visit a Suncorp Financial Planner in a Suncorp Bank branch or call 13 11 55.

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Trauma insurance provides you with a lump sum on the diagnosis (or occurrence) of one of a list of specified serious medical conditions and procedures. To learn more about how this can help to protect you and your family, visit a Suncorp Financial Planner in a Suncorp Bank branch or call 13 11 55.

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Premiums are dependent on a number of factors including level of cover, age, gender, smoking status, occupation, health and lifestyle. If you have a stepped premium structure, your premium will be recalculated and will (usually) increase on each policy anniversary based on your age at that time. Premiums may also vary if:

-we're asked to change the benefits or options under your policy -we're asked to change the level of cover for any of the benefits or options under your policy

-we're asked to change the premium payment frequency on the policy

-premium discounts no longer apply (e.g. you no longer hold multiple policies with us)

-we review and change the premium rates.

-You accept the annual indexing of your sum insured To talk to a customer service consultant about your policy, please call 1800 030 733 or email: life_customerservice@suncorp.com.au

These FAQs are bound by our standard terms and conditions.

Talking to a Suncorp Financial Planner can help you clarify your current situation and future goals, then implement plans to help you get there. The first appointment with a Suncorp Financial Planner is free of cost and obligation. You can make an appointment by visiting a Suncorp Bank branch or calling 13 11 55*.

*If you proceed with advice provided by a Suncorp Financial Planner, you may be charged a fee. Any fee will be disclosed to you before you make a decision to proceed with the advice.

These FAQs are bound by our standard terms and conditions.

Subject to the terms and conditions, as long as your account is within the credit and borrowing limits, you may borrow in line with the ASL.

Yes, you can get a loan advance. Simply put the request in writing or complete the Drawdown Request form on our website and fax it to the Account Management Team.

Yes, loan advances may be made for business or investment purposes other than to purchase renovate or improve residential property.

You may request an increase to your credit limit by completing the Credit Assessment Application Form. Once submitted, we will reassess for your financial position to determine if the increase is suitable to your financial position and satisfies our standard credit criteria.

Yes. Having the right financial advice is critical to successful investing. If you authorise it, we can even give your Adviser online access to your account details so they can monitor your account.

The margin lending online portal generally gives you access 24 hours a day, 7 day a week to everything you need to know about your account.

Your CMA has a BSB and a unique account number which appears on the Margin Lending Internet Account Access and on your margin lending or CMA statements. You may choose to send us a cheque, (made payable to Suncorp Margin Lending) or, make a direct deposit into your CMA via your bank's internet banking or BPAY^®.

To access the funds in your CMA, please check that the amount you wish to withdraw is less than your available funds and then fax us a request on 1300 305 499 or post it to Reply Paid 1877, Royal Exchange NSW 1224. You can only draw funds from your CMA by instructing Margin Lending. You can not draw funds directly from your CMA via internet banking or by going into a branch.

How do I pay interest?

For fixed loans you can pay by direct debit or cheque. If you have a variable loan, you may choose one of the above two options or capitalise the interest to your loan.

Do I need to make regular loan repayments?

You may request an increase to your credit limit by completing the Credit Assessment Application Form. There is no need to make ongoing repayments to your loan. If you do want to make repayments, they can be made at any time and for any amount. If you repay the entire balance, you can maintain the facility until you may need it again.

Are there any fees?

There are no account keeping or ongoing fees payable to Suncorp Bank. On application, if you are a company or trust, you will be required to pay $135 or $165 respectively, for the required company searches or trust vetting fees, but once your account is active there are no other fees or charges.

Do you pay commission?

Suncorp Bank margin lending may pay commissions to your Adviser however this is not an endorsement of either your Adviser or the service they provide you.

What is my credit limit?

By assessing your financial position on application or during a credit limit increase request, Suncorp Bank will approve a credit limit it considers suitable for your financial position. This is the maximum amount you may be able to borrow under your facility.

Statements are provided on a monthly basis to you and your Adviser (where requested). They can also be obtained on request from your account manager, and viewed at the margin lending online portal.

You will not be able to trade above your credit limit. If you breach your limit because of an interest capitalisation, you will have five business days to reduce your loan balance. If you take no action, Suncorp Bank may sell securities to reduce your loan balance to an acceptable level.

Yes. Suncorp Bank will undertake a review of your financial position and offer you a credit limit suitable for your financial position.

A minimum loan application of $20,000 is required for a Suncorp Bank Margin Loan; however there is no requirement to maintain a balance above this level. Savings Gearing can be set up with as little as $1,000.

All information on the web site is free for clients. There are nominal fees associated with SMS and Email alerts, but apart from these, the only fee you pay is brokerage on trades.

Our company research is supplied to us under licence by Aspect Huntley. Our business news and market updates are provided by Dow Jones Newswires and Future source. Our charts are provided under licence by Big Charts.

Suncorp Bank Margin Loans have no establishment or application fees.

Companies and Trusts are required to pay $139 and $165 for company search or trust vetting fees, respectively.

Once your loan is set up, there are no account keeping fees or ongoing costs, regardless of whether you're an individual, company, or trust.

You can use cash, shares, managed funds or master trusts which are included on the Suncorp Margin Lending Acceptable Securities List.

When your account falls into margin call your loan balance has increased above the acceptable borrowing limit set out in our acceptable securities list (see "What is a Margin Call").

We endeavour to notify you (and if you wish, your adviser) of a margin call as soon as your portfolio level breaches its buffer level, however it is your responsibility to keep up to date with your loan position. You can login to check the current position of your margin loan through Share Trade.
If your account falls into margin call you have until the day we indicate (usually 2pm EST/EDST the next business day) to rectify the situation. You can do this by one of the following ways:

Making a direct deposit into your linked CMA account; or
Deposit cash into our account:
Bank: Suncorp Metway Limited BSB: 484 799
Account: 041556391
Account Name: Suncorp Metway Limited Margin Lending Operating
You must include your Client Reference Number; or
Deposit securities listed on our ASL to cover the amount of your margin call.
Sell securities in your portfolio to cover the margin call. To determine the value of shares we require you to sell, use the following formula: Margin call Value /(1 - LVR % of the share you intend to sell)

If you do not take any of these actions, or we cannot contact you (or your adviser) in the required timeframe, we will sell securities from your portfolio to cover the margin call for you, as set out in the Suncorp Margin Lending Terms & Conditions. When we sell securities we generally will sell securities with the lowest LVR level first, starting at 0 LVR securities until the margin call is resolved. For more details please call your Account Manager on 1800 805 972, 8am-6pm Monday to Friday or see the Suncorp Margin Lending website.

ACMA is a cash management trust account linked to your margin loan which has many features such as:

- You have an account to deposit your cash which is geared at 100% for your margin loan.

- You earn credit interest on credit balances in the CMA. See the CMA interest rates.

- You can nominate relevant Share registries to credit dividend payments into this account.

- We open your CMA on behalf of you in the name of Value Nominees Pty Limited. The CMA always retains a minimum balance of $1.00 and like your margin lending account, there are no upfront or ongoing fees or charges on your CMA.

- You can check the details of your CMA via your Margin lending Internet Account Access, under Bank Account Details. You can also check the balance on the Portfolio summary screen under security code CAS.

A margin call is a demand by us for you to bring your loan balance back to or below your borrowing limit. We may notify you of a margin call or a person nominated by you. It is a procedure to maintain an acceptable proportion of debt to equity in your portfolio.

Any time your loan balance exceeds your borrowing limit and buffer, your account is in margin call.

The Suncorp Bank Wealth Cash Management Account (WCMA) is a new account that gives you a convenient place to park your cash in between trades, backed by the strength of a leading Australian bank. The WCMA provides you with easy access to your money, no monthly fees and competitive interest rates without unnecessary fuss. It may also work well in conjunction with your Suncorp Share Trade account.

Share purchases are debited from your WCMA on the day of settlement and proceeds from share sales are credited back to your account on the day of settlement. This results in a seamless share trading experience that means your cash automatically earns interest when it is not in use.

Please note, funds on deposit with Suncorp Bank are not protected by the ASX National Guarantee Fund.

Margin Lending is an investment strategy that uses debt to increase the investment capital of an investor, magnifying the potential moves of their portfolio.

A margin loan is secured against shares, managed funds and cash, just like a mortgage is secured against a property. Because a margin loan has no fixed end date, we do not require regular repayments of the principle, just interest.

Margin Lending is often referred to as a Geared or Leveraged Investment Strategy. Any gains or losses made in a portfolio comprised of both debt and equity will be larger than those of a portfolio comprised of equity alone.

Because Margin Lending has the power to magnify both gains and losses, it is important that you consult your financial adviser to find out if this product is suitable for you.

For more information, or to apply, see the Suncorp Margin Lending website.

Your borrowing limit is determined by the securities held in your portfolio and their respective Loan to Value Ratios.

The ASL dictates the maximum Loan to Value Ratio for any security that Suncorp Bank lends against. Suncorp Bank currently lends against over 400 shares and 1100 managed investment funds. The ASL is updated monthly.

We give you a buffer of 5% on shares and 10% on managed funds before triggering a margin call. This may allow your account to absorb small market movements, without requiring you to sell your assets.

An Account Manager is generally available from 8:00am - 6:00pm (Sydney time) Monday to Friday to assist with your individual needs and may be contacted on 1800 805 972.

Individuals, Joint Borrowers, Companies and Trusts.

Only the account holder (or holders in the case of joint accounts) can trade on your account unless you have authorised other persons to do so. If you wish to nominate another person to trade on your account, you must complete the Authorised Agent Form and send it to us.

By applying for Savings Gearing, you authorise us to open a CMA on your behalf. The CMA is opened in the name of Value Nominees Pty Limited. If you use Savings Gearing, you can make regular monthly instalment payments to your Fund Manager via the CMA as per your instructions.
Note: If you are using your CMA in connection with a Savings Gearing Loan, it cannot be used for any other purposes, e.g. Interest or Dividend payments. If you wish to do so, you may set up another CMA by calling our Account Management Team on 1800 805 972.
Your Fund Manager will draw on the CMA to make your total Monthly Investment.

You can change your trading password online, or call the Client Services Team on 1300 156 299 and we can do it over the phone once we verify your identity.

Unfortunately we cannot accept orders sent by e-mail.

Suncorp Share Trade currently does not have the capability to trade Options. Please contact us on 13 11 55 if you would like more information.

It is not an offence to withhold your TFN or, where the securities are held for a business purpose, your ABN. However, if you do not provide your TFN or ABN, tax may be deducted from payments of interest and the unfranked portion of dividends and distributions at the highest marginal rate.

You can notify the share registry online via their website www.linkmarketservices.com.au, by email, mail or fax of your TFN or ABN or you can quote your TFN or ABN over the phone if you give sufficient identification of your holding.

Use our Change of Details Form which will need to be signed by all account holders. This form can be faxed to us on (02) 8915 9484 or mailed to Suncorp Share Trade, GPO Box 4490, Sydney NSW 2001.

If you find that your anti-spam software is putting emails from Suncorp Share Trade in your spam folder, try some of these tips:
1. Add brokingservice@sharetrade.com.au to your email address book, contact list or 'Safe List'
2. If you are using Outlook
- On the Tools menu, select Options
- Select Junk E-mail
- Select the Safe Senders tab
- Select Add... and type brokingservice@sharetrade.com.au
- Select OK
- Also make sure 'Also trust e-mail from my Contacts' check box is selected
3. If you are using Hotmail
- Select Options
- Select Junk E-mail Protection
- Select Safe List
- Type brokingservice@sharetrade.com.au then select Add

Suncorp offers a very simple platform to trade shares. It is user friendly, intuitive and feature-packed providing you with all the news, data and research required to make informed investment decisions.
For more information or to apply for a Suncorp Share Trade account, take a look here.

If you buy or sell shares on market, you need to contact a licensed stockbroker to arrange the trade. Alternatively, you can use an online broking service. This facility is available on our website - Suncorp Share Trade.

To access the funds in your CMA, please check that the amount you wish to withdraw is less than your available funds and then fax us a request on 1300 305 499 or post it to Reply Paid 1877, Royal Exchange NSW 1224. You can only draw funds from your CMA by instructing Margin Lending. You cannot draw funds directly from your CMA via internet banking or by going into a branch.

If your existing holdings are Issuer Sponsored we require copies of your latest Issuer Sponsored Holding Statements with a request to convert these shares onto your account. If your existing holdings are currently Broker Sponsored please request your broker to transfer your shares to our CHESS sponsorship, or complete the share transfer form on our website.

You must have sufficient available funds available in your Suncorp Wealth Cash Management Account (WCMA) prior to placing your order.

Proceeds from online share sales will be credited to your Suncorp Wealth Cash Management Account (WCMA).

To open a trading account you can complete an application form online. Print and sign it, and then return it to us with a copy of your identification.

If you only want to sell some shares, but don't want to open an account with us, try our One-off Sale service. Complete and sign the One Off Sale form and send it to us with a copy of your shareholding statement and identification and you will receive a cheque a few days later.

Your broker is required by the Australian Securities Exchange to transfer your securities in 2 business days. Delays may be experienced if any of the details do not match exactly, so be sure to provide the information exactly as it appears on your CHESS statement.

You will need to transfer any stock held under your HIN with another broker to your HIN with Suncorp Share Trade. We can arrange this on your behalf - simply complete the Transfer CHESS Holdings form.

If your shares are sponsored by the issuing company, you may want to transfer them to be CHESS sponsored by CMC Markets Stockbroking (in order to sell shares online they must be CHESS sponsored by us). Email clientservices@sharetrade.com.au with a Issuer Sponsored Holding Statement along with advice requesting us to transfer them into your account.
You can only transfer into an account of the same name as the issuer sponsored statement. Transferring into a different name is treated as an off-market transfer and may be subject to fees and/or Government charges. For example, if the holdings are in the name Mr J Smith, you cannot transfer them directly into the account Mr and Mrs J Smith. Please call us on 13 11 55 if you have any questions about CHESS transfers.

Yes, call our Help Desk on 13 11 55 to arrange access to the site.

We use SSL Encryption to encrypt your trading password and order instructions when you submit them to us using the web site. You should be careful to ensure that your trading password is not shared with anyone else, or used in such a way that it might be discovered by someone else. Good practices to follow for our site, and any financial site, include:
1. do not access our site from public computers, such as internet cafes, as you can never know what software could be on those computers that could discover your passwords
2. ensure your computer is protected by an up-to-date anti virus program and firewall
3. do not follow links in emails that ask you to confirm your login details. Suncorp Share Trade will not ask you for your password in any emails
4. If you are still concerned about trading online, you may feel more comfortable trading with our phone dealers and using the web site for the pricing, tools and research.

When we have received your form and identification we will process your application, and open your account the same day. You can begin trading over the phone or online immediately (note - you will need cash and/or shares in your account in order to place orders). Login here.

We will accept an order of any size as long as it is either covered by available funds in your WCMA (for buy orders) or covered by CHESS Sponsored Holdings (for sell orders). When you sell shares online, the funds from the sale are available for purchases immediately after the trade is completed.

Online share traders with Suncorp Share Trade must be broker sponsored with CHESS. Your shares will be entered into your portfolio and will be available to trade in the future. The share will also be registered with CHESS under your Holder Identification Number (HIN) and a statement will be sent to your registered address.

CHESS stands for Clearing House Electronic Sub-register System. Instead of issuing a physical share certificate CHESS records an account's share ownership via the ASX's computer-based share and settlement transaction system. An account's security holding are recorded against their HIN and a statement is sent out to their registered address.

To trade through Suncorp Share Trade, you must authorise CMC Markets as your Chess Sponsor.

For more information regarding CHESS, speak to one of our client service representatives on 13 11 55 or visit the ASX home page.

Your login password is used with your login code to enter the web site. When you first open an account, we will email you a random password which you can change using the Preferences page - there is a link to Preferences under the menu on the left of the screen when you are logged into the site. You should ensure that no-one else knows your login password as they may then gain access to view your details on the web site.

Your trading password is used when you place orders online. We will issue you with a trading password when your account has been opened. You should ensure that no-one else knows your trading password - if they also know your login code and login password, they could place orders on your account.

The ASX requires a minimum parcel of $500 to be traded if you do not currently hold that particular security. Once you possess $500 worth of an individual security you may purchase any value of shares you wish. If you would like to find out more, please visit www.asx.com.au

You can trade any company listed on the ASX through your Suncorp Share Trade account.

All exchange traded securities, excluding Options. These include ordinary shares and warrants listed on the ASX.

Orders can be placed 24 hours a day, 7 days a week. Orders placed outside of market hours are queued and sent to the market on the next trading day at 7am. Orders placed between 7am and 4:15 pm on trading days are sent directly to the market. The market trading hours are generally between 10:00am and 4:15pm, although these hours do change from time to time.

For more information please visit the ASX home page.

The most common reason for an order to be rejected is an invalid quantity or price value. The minimum purchase quantity is $500 and the price must be a valid price step. Check the help panel in the buy and sell windows for correct price steps.

Another common reason orders are rejected is that an incorrect price has been entered (E.g.: $1000 instead of $10).

Orders may also be rejected or forwarded to a Designated Trading Representative for compliance reasons.

CMC Markets Stockbroking has obligations under ASX Business Rules and Corporations Law to prevent false and misleading trading and help facilitate an orderly market. Every order submitted to us is checked against certain criteria to ensure we are meeting our obligations. Some of these criteria are:

- Checks to see whether the client has 2 or more orders in a stock and whether these orders are trying to raise, lower or maintain a stock price

- Orders that materially affect the market and do not reflect the current trading history of that stock.

There's a variety of ways to make additional contributions to super, such as 'before-tax' contributions, or 'after-tax' contributions, including contributions to your spouse's fund. A Suncorp Financial Planner can help you decide the most appropriate contribution strategy for your circumstances. You can make an appointment by visiting a Suncorp Bank branch or calling 13 11 55.

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You can check your balance online by logging onto Suncorp WealthSmart�. Just click on the red 'logon to' button on the Suncorp Bank homepage. If you don't know your log-in details, just call 13 11 55 or email WealthSmart@suncorp.com.au.

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You can contribute to Suncorp Wealth Smart� in a number of ways including BPAY�, by cheque or even a branch deposit. BPAY is an easy way to make a contribution into your super, direct from your bank account. All you need is an internet or phone banking account that offers a BPAY facility. If you would like help with this, call us on 13 11 55.

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To qualify for the Age Pension, you must:
- be aged 65 or over (men) or 64.5 or over (women);
- meet income and assets test criteria; and - meet certain residence requirements.

To find out more about qualifying for the Age Pension, speak to a Suncorp Financial Planner or go to Centrelink.

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For employers: Super Guarantee (SG) contributions accrue for your employees from the first day they started employment with you. You're required to pay SG contributions at least quarterly, and have until 28 days after the end of each quarter to make these payments, or you'll need to pay an administration and interest charge included in the 'SG charge'. The cut-off dates are below.

Quarterly payment cut-off date:

-Quarter One; 1 July - 30 September 28 October

-Quarter Two; 1 October - 31 December 28 January

-Quarter Three; 1 January - 31 March 28 April

-Quarter Four; 1 April - 30 June 28 July

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Switching is the transfer of your money from one investment option to the other. For example, someone might decide to switch from an investment option that's more highly invested in cash to one that's more highly invested in shares. Any amounts switched will be shown on your statement.

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Putting some of your take-home pay into your super (i.e. making an after-tax contribution) can be a tax-efficient way to save - as long as you're prepared to put it away until retirement.

You pay only 15% tax on earnings on these funds, as opposed to paying your marginal tax rate on the earnings outside super.

If you earn under $51,021 in 2016/17 and use this strategy, you may also be eligible for the Government co-contribution of up to $500.

If you're self-employed, you can generally claim your super contributions as a tax deduction.

For information on your personal tax situation, please seek the advice of a qualified tax professional.

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The Age Pension is an income support payment paid by the Government to ensure you have a minimum level of income in your retirement. The Age Pension is often a lot less than what people are used to living on, so you should talk to a Suncorp Bank Financial Planner about how you may be able to generate more income in retirement. You can make an appointment by visiting a Suncorp Bank branch or calling 13 11 55.

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A quality super fund will usually offer competitive fees, an appropriate range of investment options, sound management, and other features and benefits. Of course, the choice you make should always be based on your personal circumstances. A Suncorp Financial Planner can help you decide on a fund that best suits your needs. You can make an appointment by visiting a Suncorp Bank branch, calling 13 11 55, or make an appointment online.

These FAQs are bound by our standard terms and conditions.

Once you've reached preservation age (currently 56 if born between 1 July 1960 and 30 June 1961), you can access your super as a transition to retirement pension. The benefits of a 'transition to retirement pension' are: -you can ease into retirement by reducing your working hours without reducing your net income -you can boost your retirement savings without impacting your net income if you are still working full time.

A Suncorp Financial Planner can help you implement a strategy that best suits your needs. You can make an appointment by visiting a Suncorp Bank branch, calling 13 11 55, or fill in this online enquiry form.

These FAQs are bound by our standard terms and conditions.

Concessional contributions are contributions made by your employer or that you make with 'before-tax' dollars - by salary sacrificing, for example. Non-concessional contributions include spouse contributions and contributions you make from 'after-tax' dollars.

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Yes. Negotiated rates are available for amounts $500,000 and over. Call us on 131155 for additional information.

You can request access to your Term Deposit prior to the maturity date; however, unless grounds of hardship exist, your funds will not be made available to you until 31 days after the date we agree to the early withdrawal request or the maturity date (whichever is earlier).

Requests to break a term deposit immediately due to hardship are assessed by the Bank on a case by case basis. We may ask you to provide documentation to support your request for hardship.

Partial withdrawals of the amount invested are not allowed. The whole deposit amount must be withdrawn by way of payment to a nominated Suncorp Bank transaction or savings account.

If we agree to end your Term Deposit prior to the maturity date:

-You will not have access to the funds until after 31 days from the date we agree to your request

-You will lose a portion of the interest earned on your investment, calculated up to the date your Term Deposit is broken. The amount of interest you will lose will depend on how early in the investment term you seek to withdraw your funds.

-You will be charged a $30 Early Withdrawal Administration Fee.

Proportion of Term Completed / Interest Adjustment

0-25% - 80% of interest earned up to the date we allow you to withdraw your deposit

26-50% - 60% of interest earned up to the date we allow you to withdraw your deposit

51-75% - 40% of interest earned up to the date we allow you to withdraw your deposit

76-100% - 20% of interest earned up to the date we allow you to withdraw your deposit

Please read our Product Information Document for more information.

About 3 weeks before your Term Deposit
maturity date, we'll notify you that your Term Deposit is about to finish.
We'll provide you with information regarding your options and then ask you to
provide us with your instructions on what you would like us to do with your
funds.

The date when the investment term of your Fixed Term Deposit ends.