25+ Starting Out

The habits you form now will set you up for the rest of your years.

You will need to get familiar with the fund, complete some important forms and make a few decisions. It is important to become an informed member of the fund. There are lots of ways to do this and places where you can get help when you need it.

Step 1:

First things first: make sure you understand how the fund works, your benefits and where to see your Member Share. Contribute as much as you can each month. Start by building good habits now, as they will set you up for the rest of your years. By setting goals and sticking to them, you can make the most of what the fund offers.

Click here to access your member guide.

Step 2:

As you are still young and probably not tied down too much, take the opportunity to contribute as much as you can each month. It’s so much easier to save when you are young, before you have massive financial burdens and family responsibilities. Don’t let anything get in the way of your long-term financial planning. Pay your future self first!

Read about the benefits you have in the fund and how to maximise your savings

Visit the BENEFITS menu item above.

Click here to read about your contributions

Step 3:

Complete your Expression of Wish Form (very important)

Step 4:

When you are younger, you can afford to take more risk, to earn higher returns. The fund’s Life Stage Portfolio is the default investment option, and if you are invested in this portfolio, your money will be moved for you, automatically, as you reach the next age category. Ensure you obtain expert financial advice regarding your investments, so that you will be able to choose the best and most direct path to a secure retirement. It’s so important to invest according to your unique profile.

Read up about the fund investments and complete your Investment Option Form. If you do not complete this form, you will be invested in the Default Portfolio.

Please note: before you decide to choose an investment portfolio, please speak to a financial advisor. See the details below.

Click here to read more about the fund investments.

Step 5:

Now, make sure you know how and where to see your Member Share. And remember that if you leave the fund, you have various options in terms of how to use this benefit – it is important to understand the tax implications of taking a portion of this benefit in cash. Remember, your decision cannot be changed.

Click on Visit below to Login to the Secure Portion of this website.

Step 6:

Get help and advice to help you plan for your journey to retirement and understand your benefits

Click here for contact details of financial advisors and benefits counsellors

Step 7:

Stay on top of what is happening in the fund

Click here to read important communication from the fund.

And just for fun!

Become financially savvy and grow your wealth by playing our fun simulation

Click here to read short, interesting articles on how to become financially savvy

Click here to play our LivFin$mart Simulation

I don't understand my benefits or need advice

If you do not understand your benefits or need financial advice, no worries, just click here.

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