Important Information

Updates to Product Disclosure Statements (PDS)

From time to time the information in our PDS may change. The below provides updated and/or upcoming changes to the PDS which are not materially adverse to members.

The following replaces the MySuper GoalTracker investment return objective on:

  • Page 3 of the iQ Super – Business, iQ Super – For Life, iQ Super – Employer, iQ Super – Employer CSR, iQ Super – Employer Holcim, iQ Super – Employer Wilmar, iQ Super – Retained, Nationwide Super, Resource Super – Employer and Resource Super – General PDSs dated 1 October 2025.
  • Page 9 of the Harwood Super, iQ Super, Nationwide Super and Resource Super Investment Guides dated 1 October 2025.

 

MySuper Investment option - GoalTracker

GoalTracker Investment

Option

AGE

BELOW 40

41 - 50

51 - 55

56 - 60

60+

Investment return objective^:

% above inflation p.a.

3.8%

3.8%

3.3% to 3.7%

2.9% to 3.2%

2.8%

 

^ The objective is to earn a return, after costs and tax, which exceeds CPI by the % p.a. shown, measured over rolling 5 and 10 year periods. CPI stands for Consumer Price Index, which is used as a measure of inflation.

 

 

The following replaces 

  • the Diversified investment options investment return objective for Defensive (page 11), Diversified 50 (page 11), Balanced Growth (page 12), Growth (page 12) and High Growth (page 13) of the Harwood Super, iQ Super, Nationwide Super and Resource Super Investment Guides dated 1 October 2025; and
  • the Diversified investment options investment return objective applying to the Contribution and Transition to Retirement (TtR) investments for Defensive (page 21), Diversified 50 (page 21), Balanced Growth (page 22), Growth (page 22) and High Growth (page 23) of the iQ Retirement Product Disclosure Statement dated 10 December 2025:

 

Diversified investment options

Defensive

Investment return objective: To earn a return after costs and tax, exceeding CPI* by 1.5% per annum, measured over rolling 5 year periods.

 

Diversified 50
Investment return objective: To earn a return after costs and tax, exceeding CPI* by 2.5% per annum, measured over rolling 5 year periods. 

 

Balanced Growth
Investments return objective: To earn a return after costs and tax, exceeding CPI* by 3.0% per annum, measured over rolling 5 and 10 year periods.

 

Growth
Investment return objective: To earn a return after costs and tax, exceeding CPI* by 3.5% per annum, measured over rolling 5 year periods. 

 

High Growth
Investment return objective: To earn a return after costs and tax, exceeding CPI* by 4.0% per annum, measured over rolling 5 year periods.

 

* CPI stands for Consumer Price Index, which is used as a measure of inflation.

 

 

The following replaces the Global Fixed Income - $A Hedged investment strategy on page 15 of the Harwood Super, iQ Super, Nationwide Super and Resource Super Investment Guides dated 1 October 2025:

 

Global Fixed Income - $A Hedged
Investment strategy#: The option invests predominantly in debt securities issued by supranationals, international governments, quasi-governments, agencies and corporates, and structured credit securities (including mortgage and asset backed securities). The option may also invest in low grade, unrated or emerging markets debt securities, and currency. The option also employs certain investment exclusions. The underlying fund also targets a reduction in Carbon Footprint compared to the Benchmark, in respect of the Corporate Debt portion of the debt securities it holds. Derivatives may be used by the underlying fund to obtain or reduce exposure to securities and markets, to implement investment strategies and to manage risks. Foreign currency exposures are largely hedged back to Australian dollars, apart from those foreign currency exposures that are used to generate excess returns from active currency management.

# Please refer to the ESG considerations section of your Investment Guide for further information on how the underlying fund seeks to achieve a reduction in Carbon Footprint and the investment exclusions employed.

 

Russell Investments' ownership is composed of a majority stake held by funds managed by TA Associates Management, L.P., with a significant minority stake held by funds managed by Reverence Capital Partners, L.P. Certain of Russell Investments' employees and Hamilton Lane Advisors, LLC also hold minority, non-controlling, ownership stakes.

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