Page 4 - Nokia Superannuation Booklet

04 | Making Possibilities Happen

Super Benefit Features

Investing through super is considered a tax-effective way to save and prepare for
your retirement. In fact for many Australians, super could grow to be the largest

asset owned. So it’s important to understand how it works, and how you can be
in control of your super savings.

Nokia default superannuation fund - ANZ Smart Choice product
Investment options

You have choice when deciding how your money is invested within the Nokia default super plan (ANZ Smart Choice
Super product). You can leave the decision making to ANZ or take an active role in your investing. ANZ’s default
investment strategy is the lifestage investment approach, designed to suit all members, by selecting a range of
investments based on your age, which automatically adjusts over time.
This diagram illustrates the lifestage investment option investment mix changing over your life:

ANZ Smart Choice Super - Glide Path Note: this diagram is illustrative only

100%-
% balance invested in Growth assets 70%- -
90% -
80% -

60%-
50%-
40%-
30%-
20%-
10%-
0%-

Starting Out Accumulating Preparing for Enjoying
Predominately Wealth retirement retirement
invested in Mainly invested A balance of Mainly invested in
growth assets in growth assets growth and defensive assets
with a small defensive assets with a moderate
investment in with an increasing exposure to
growth assets defensive assets defensive assets. investment in growth assets.
defensive assets.

Investment choice
If you prefer to take a more active role in your investment decisions, you also have the flexibility to choose your own
options from ANZ’s range of over 45 investments, designed to suit different levels of risk and potential returns.
Contact PSK Financial Services or refer to the ANZ Smart Choice Product Disclosure Statement (PDS) for more information.

Nokia Internal Use