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Nominating a beneficiary for your super or pension
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class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/investing-made-simple"> <span>Investing made simple</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/investment/start-investing/make-a-contribution#investment-managed"> <span>Make a contribution</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/find-a-form/find-a-form"> <span>Forms</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/faqs/investments"> <span>Investment FAQs</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/tools-calculators"> <span>Calculators</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="https://cfs.findadviser.com.au/home.html"> <span>Find an Adviser</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/market-insights-news"> <span>News and insights</span> </a> </li> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@6d5ea0c0,au.com.cfs.winged.core.models.pojo.NavigationItem@30796522,au.com.cfs.winged.core.models.pojo.NavigationItem@383f2762,au.com.cfs.winged.core.models.pojo.NavigationItem@673de683"> <sly data-sly-test=""> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src=""></img> </div> <div class="promo-tile-title"> </div> <div class="promo-tile-description"> </div> <div class="promo-tile-button"> <a class="promo-button" href=></a> </div> </div> </sly> </sly> --> </ul> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list="au.com.cfs.winged.core.models.pojo.Drawer@4842f3fd"> <sly data-sly-list.subMenu=""> <div class="Header__SubMenu" data-id="-" data-level="2" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList" data-sly-list.subMenuItem=""> <li class="Header__SubMenuItem"> <a x-cq-linkchecker="valid" class="Header__SubMenuLink" href=""> <span></span> </a> </li> </ul> </div> </sly> </sly>--> <!-- END third level --> </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="true"> <div class="Header__PrimaryMenuButton"> <button x-cq-linkchecker="valid" data-cmp-hook-header="megamenuOpen" data-target-id="Retirement"> <span>Retirement</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </button> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <div class="aem-Grid aem-Grid--xs--12"> <div class="aem-GridColumn aem-GridColumn--offset--xs--0 aem-GridColumn--xs--12"> <div class="Header__DrawerWrapper"> <div class="aem-Grid aem-Grid--xs--12"> </div> <div class="Header__DrawerMenuContainer Header__DrawerMenuContainer--row"> <nav class="Header__DrawerMenu" aria-label="Plan your retirement"> <a class="Header__DrawerMenuHeading" href="/personal/retirement/planning-retirement">Plan your retirement</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/how-much-super-should-i-have">How much do I need to retire?</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement-calculator">Retirement calculator</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/super/super-balance-comparison-calculator">Super comparison tool</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/super/consolidate-your-super">Consolidate super</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/super/super-contributions">Super boosting strategies</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/faqs#retirement">Retirement FAQs</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Entering your retirement"> <a class="Header__DrawerMenuHeading" href="/personal/retirement/entering-retirement">Entering your retirement</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/retirement/account-based-pension">What is an account-based pension?</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/retirement/transition-to-retirement">What is transition to retirement?</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/retirement/age-pension-guide">Age Pension guide</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/how-to-access-super-in-retirement">Access super in retirement</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/products/annuities">What is an annuity?</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Enjoying your retirement"> <a class="Header__DrawerMenuHeading" href="/personal/retirement/enjoying-retirement">Enjoying your retirement</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/manage-your-pension">Manage your pension</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/taxation-in-retirement">Tax saving strategies</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/retirement/retirement-income-planning-guide">Income streams</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/nominate-a-beneficiary">Nominate a beneficiary</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/retirement/understanding-aged-care">Ageing care support</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Explore retirement"> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src="/content/dam/cfs-winged/images/retirement-hub/promo/explore-retirement-264x130.png"/></img> </div> <div class="promo-tile-title"> Explore retirement </div> <div class="promo-tile-description"> We're here to support you throughout your retirement journey. </div> <div class="promo-tile-button"> <a class="promo-button" style="text-decoration: none !important;" href="/personal/retirement">Retire with confidence</a> </div> </div> </nav> </div> <div class="aem-Grid aem-Grid--xs--12"> </div> </div> </div> </div> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus"> <!-- START second level --> <div class="Header__SubMenu" data-id="Retirement" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList"> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Plan your retirement" href="/personal/retirement/planning-retirement" class="Header__SubMenuHeading"> <span>Plan your retirement</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/how-much-super-should-i-have"> <span>How much do I need to retire?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement-calculator"> <span>Retirement calculator</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/super/super-balance-comparison-calculator"> <span>Super comparison tool</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/super/consolidate-your-super"> <span>Consolidate super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/super/super-contributions"> <span>Super boosting strategies</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/faqs#retirement"> <span>Retirement FAQs</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Entering your retirement" href="/personal/retirement/entering-retirement" class="Header__SubMenuHeading"> <span>Entering your retirement</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/retirement/account-based-pension"> <span>What is an account-based pension?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/retirement/transition-to-retirement"> <span>What is transition to retirement?</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/retirement/age-pension-guide"> <span>Age Pension guide</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/how-to-access-super-in-retirement"> <span>Access super in retirement</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/products/annuities"> <span>What is an annuity?</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Enjoying your retirement" href="/personal/retirement/enjoying-retirement" class="Header__SubMenuHeading"> <span>Enjoying your retirement</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/manage-your-pension"> <span>Manage your pension</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/taxation-in-retirement"> <span>Tax saving strategies</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/retirement/retirement-income-planning-guide"> <span>Income streams</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/nominate-a-beneficiary"> <span>Nominate a beneficiary</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/retirement/understanding-aged-care"> <span>Ageing care support</span> </a> </li> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@4d628ac,au.com.cfs.winged.core.models.pojo.NavigationItem@45131b63,au.com.cfs.winged.core.models.pojo.NavigationItem@4d12f4bc,au.com.cfs.winged.core.models.pojo.NavigationItem@5a682238"> <sly data-sly-test=""> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src=""></img> </div> <div class="promo-tile-title"> </div> <div class="promo-tile-description"> </div> <div class="promo-tile-button"> <a class="promo-button" href=></a> </div> </div> </sly> </sly> --> </ul> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src="/content/dam/cfs-winged/images/retirement-hub/promo/explore-retirement-264x130.png"/></img> </div> <div class="promo-tile-title"> Explore retirement </div> <div class="promo-tile-description"> We're here to support you throughout your retirement journey. </div> <div class="promo-tile-button"> <a class="promo-button" href="/personal/retirement">Retire with confidence</a> </div> </div> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list="au.com.cfs.winged.core.models.pojo.Drawer@7ffd0204"> <sly data-sly-list.subMenu=""> <div class="Header__SubMenu" data-id="-" data-level="2" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList" data-sly-list.subMenuItem=""> <li class="Header__SubMenuItem"> <a x-cq-linkchecker="valid" class="Header__SubMenuLink" href=""> <span></span> </a> </li> </ul> </div> </sly> </sly>--> <!-- END third level --> </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="true"> <div class="Header__PrimaryMenuButton"> <button x-cq-linkchecker="valid" data-cmp-hook-header="megamenuOpen" data-target-id="Tools & Resources"> <span>Tools & Resources</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </button> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <div class="aem-Grid aem-Grid--xs--12"> <div class="aem-GridColumn aem-GridColumn--offset--xs--0 aem-GridColumn--xs--12"> <div class="Header__DrawerWrapper"> <div class="aem-Grid aem-Grid--xs--12"> </div> <div class="Header__DrawerMenuContainer Header__DrawerMenuContainer--row"> <nav class="Header__DrawerMenu" aria-label="Resources"> <a class="Header__DrawerMenuHeading" href="/personal/tools-resources/tools-calculators">Resources</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/funds-and-performance">Funds and Performance</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/tools-calculators">Calculators</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/tools-calculators/product-disclosure-statements">Product Disclosure Statements</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/market-insights-news">News and insights</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/resources/faqs">FAQs</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/statement-details">Statements</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Forms"> <a class="Header__DrawerMenuHeading" href="/personal/resources/find-a-form/find-a-form">Forms</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/products/products-and-update">Product updates</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/products/target-market-determinations">Target Market Determinations</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Help"> <a class="Header__DrawerMenuHeading" href="/about-us/contact-us">Help</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="https://cfs.findadviser.com.au/home">Find an Adviser</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/tools-resources/advice-options">Advice options</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/personal/campaigns/appointment">Call us</a> </li> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/staying-safe-online">Staying safe online</a> </li> </ul> </nav> </div> <div class="aem-Grid aem-Grid--xs--12"> </div> </div> </div> </div> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus"> <!-- START second level --> <div class="Header__SubMenu" data-id="Tools & Resources" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList"> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Resources" href="/personal/tools-resources/tools-calculators" class="Header__SubMenuHeading"> <span>Resources</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/funds-and-performance"> <span>Funds and Performance</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/tools-calculators"> <span>Calculators</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/tools-calculators/product-disclosure-statements"> <span>Product Disclosure Statements</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/market-insights-news"> <span>News and insights</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/faqs"> <span>FAQs</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/statement-details"> <span>Statements</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Forms" href="/personal/resources/find-a-form/find-a-form" class="Header__SubMenuHeading"> <span>Forms</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/products/products-and-update"> <span>Product updates</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/products/target-market-determinations"> <span>Target Market Determinations</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Help" href="/about-us/contact-us" class="Header__SubMenuHeading"> <span>Help</span> <!-- <i class="iconfont-chevron-down" aria-hidden="true" data-sly-test="true"></i> --> </a> </li> <!-- Second Leavel Expanding the thirdlevel items in the second level --> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="https://cfs.findadviser.com.au/home"> <span>Find an Adviser</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/tools-resources/advice-options"> <span>Advice options</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/campaigns/appointment"> <span>Call us</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/staying-safe-online"> <span>Staying safe online</span> </a> </li> <!-- <sly data-sly-list.subMenu="au.com.cfs.winged.core.models.pojo.NavigationItem@32db2418,au.com.cfs.winged.core.models.pojo.NavigationItem@683691eb,au.com.cfs.winged.core.models.pojo.NavigationItem@73541737"> <sly data-sly-test=""> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src=""></img> </div> <div class="promo-tile-title"> </div> <div class="promo-tile-description"> </div> <div class="promo-tile-button"> <a class="promo-button" href=></a> </div> </div> </sly> </sly> --> </ul> </div> <!-- END second level --> <!-- START third level --> <!-- <sly data-sly-list="au.com.cfs.winged.core.models.pojo.Drawer@6f4ef291"> <sly data-sly-list.subMenu=""> <div class="Header__SubMenu" data-id="-" data-level="2" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> <ul class="Header__SubMenuList" data-sly-list.subMenuItem=""> <li 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data-target-id="Login" class="Button Button--theme-black Button--type-solid"> <span>Login</span> </a> </div> <!-- <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <div class="Header__DrawerWrapper"> <div class="Header__DrawerMenuContainer Header__DrawerMenuContainer--column"> <nav class="Header__DrawerMenu" aria-label=""> <h2 class="Header__DrawerMenuHeading"></h2> <ul class="Header__DrawerMenuList" data-sly-list.loginItem=""> <li class="Header__DrawerMenuItem"> <a x-cq-linkchecker="valid" class="Header__DrawerMenuLink" href=""></a> </li> </ul> </nav> </div> </div> </div> </div> --> </li> </ul> </div> </div> </div> </div> <div class="Header__Backdrop" data-cmp-hook-header="backdrop"></div> </div> </header></div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> </div> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-47045e7294" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="headerbanner breadcrumb aem-GridColumn aem-GridColumn--default--12"><div data-cmp-is="headerbanner" class="HeaderBanner HeaderBanner--variant-gradient-large HeaderBanner--alignment-center "> <div class="HeaderBanner__Gradient"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12"> <div class="HeaderBanner__Breadcrumb"> <nav id="headerbanner-a26a55687a" class="Breadcrumb Breadcrumb--theme-dark" data-cmp-is="breadcrumb"> <div class="wrapper"> </div> </nav> </div> </div> </div> </div> <div class="HeaderBanner__Content"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12"> <div class=" aem-GridColumn aem-GridColumn--xs--12 aem-GridColumn--lg--8 aem-GridColumn--lg--12 HeaderBanner--gradientAlignment-center "> <div class="HeaderBanner__ContentWrapper"> <div class="HeaderBanner__Heading"> <h1 class="hero2">How to nominate a beneficiary<br /> for your super or pension</h1> </div> </div> </div> </div> </div> </div> </div> <div class="wrapper HeaderBanner__ImageWrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12"> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-a8ce51f9f9" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-46869b8456" class="cmp-text"> <h4 style=" text-align: center; ">Australia’s world-leading super system means that, by age 60, the average working Australian can expect to have hundreds of thousands of dollars in retirement savings.</h4> <h4 style=" text-align: center; "> </h4> <h4 style=" text-align: center; ">It’s a lot of money and it represents years of hard work. In an ideal world you’d spend all your super across your retirement years. But what happens to any remaining super money when you die? With a death benefit nomination, that’s entirely up to you. </h4> <h4 style=" text-align: center; "> </h4> <h4 style=" text-align: center; ">Nominate someone (called a beneficiary) to receive your remaining super by <a title="Non-lapsing Death Benefit Nomination Form" data-tracker-locationid="cfs | -completingthisform" href="https://www.cfs.com.au/content/dam/prospects/fs/4/7/fs4700.pdf?adobe_mc=MCMID%3D33221868010505870122407787655126851146%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1693544485" target="_blank" rel="noopener noreferrer">completing this form</a> or read on to learn more about nominating a beneficiary. </h4> <h4 style=" text-align: center; ">Alternatively, if you have a pension, you can also nominate one beneficiary to receive your pension payments by <a title="FirstChoice Wholesale Pension Reversionary Beneficiary Form" data-tracker-locationid="cfs | text1-completingthisform" href="https://www.cfs.com.au/content/dam/prospects/fs/6/0/fs6043.pdf" target="_blank" rel="noopener noreferrer">completing this form</a>.</h4> <p style=" text-align: center; "> </p> </div> </div> </div> </div> </div> </div> </div> <div class="divider container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="divider-898bacb8d8" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-14c8bfbf82" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-sm container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="anchorlinks aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--10 aem-GridColumn aem-GridColumn--offset--phone--1 aem-GridColumn--default--8 aem-GridColumn--offset--default--2"> <div class="AnchorLinks" data-cmp-is="anchorLinks"> <div class="AnchorLinks__Container"> <div class="AnchorLinks__Content"> <h4 class="AnchorLinks__Heading">On this page</h4> <ul class="AnchorLinks__List"> <li class="AnchorLinks__Item"> <a href="#what-happens-to-my-super-if-i-pass-away" class="AnchorLinks__Link">What happens to my super when I pass away? </a> </li> <li class="AnchorLinks__Item"> <a href="#eligible-beneficiary" class="AnchorLinks__Link">Who is an eligible beneficiary? </a> </li> <li class="AnchorLinks__Item"> <a href="#how-will-my-super-be-paid-to-my-beneficiaries" class="AnchorLinks__Link">How will my super be paid to my beneficiaries? </a> </li> <li class="AnchorLinks__Item"> <a href="#different-types-of-nominations" class="AnchorLinks__Link">What are the different types of nominations? </a> </li> <li class="AnchorLinks__Item"> <a href="#what-happens-if-i-dont-make-a-nomination" class="AnchorLinks__Link">What happens if I don’t make a nomination? </a> </li> <li class="AnchorLinks__Item"> <a href="#what-taxes-might-my-beneficiaries-pay" class="AnchorLinks__Link">What taxes might my beneficiaries pay? </a> </li> <li class="AnchorLinks__Item"> <a href="#can-a-nomination-be-challenged" class="AnchorLinks__Link">Can a nomination be challenged? </a> </li> <li class="AnchorLinks__Item"> <a href="#make-a-non-lapsing-death-benefit-nomination" class="AnchorLinks__Link">How do I make a non-lapsing death benefit nomination? </a> </li> <li class="AnchorLinks__Item"> <a href="#make-a-reversionary-nomination" class="AnchorLinks__Link">How do I make a reversionary nomination?</a> </li> </ul> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-04e51d4208" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="what-happens-to-my-super-if-i-pass-away" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">What happens to my super when I pass away?</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-b65011c2a1" class="cmp-text"> <p>You’re probably already familiar with wills. A will lays out clear instructions about how you’d like to distribute money and possessions held in your estate after your death. However, your estate doesn’t include everything you own.</p> <p> </p> <p>Your super balance, for example, doesn’t automatically count as part of your estate. This is because super is ‘held in trust’ for you by the trustee of your super fund. In the event of your death, your super benefit must be paid out by your fund in a way that complies with both super rules and the rules of your fund. </p> <p> </p> <p>So, how do you let your super fund know who should receive your super? Death benefit nominations work like a will, giving you a level of control over what happens to your super balance (including any proceeds from life insurance held within your super account) when you’re gone. </p> <p> </p> <p>If you don’t complete a benefit nomination, your super fund may decide who your super is passed on to.</p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="divider-288d0d0c26" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-75e8240f9f" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="eligible-beneficiary" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">Who is an eligible beneficiary?</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-000484cddf" class="cmp-text"> <p>Under current super and pension rules, a beneficiary can only be a dependant or personal legal representative – the person appointed as executor or administrator of your estate – or some combination of these.<sup>1</sup></p> <p> </p> <p>A dependant may include:</p> <ul><li>your spouse (including a de facto spouse)</li><li>your children (regardless of age)</li><li>someone financially dependent on you (fully or partially)</li><li>someone you had an interdependent relationship with. </li></ul> <p>For a relationship to be considered ‘interdependent’, you and the other person must have a close personal relationship and generally live together. One or both of you must also provide financial support to the other, and one or both must provide domestic support and personal care to the other.<sup>2</sup></p> <p> </p> <p>Provided the rules of your fund allow, any of these people can be nominated as beneficiaries.</p> <p> </p> <p>If you want to give some or all of your super to someone else (not listed above), you can nominate your legal personal representative (estate) to receive it. Your super will then be distributed in accordance with your will. It is important to ensure your will has been updated to include your super if you choose this option.</p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="divider-0dde9d028b" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-85eee93a87" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="how-will-my-super-be-paid-to-my-beneficiaries" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">How will my super be paid to my beneficiaries?</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-bc2ede1a4e" class="cmp-text"> <p>Your super or pension fund may allow your beneficiary to receive your super as a lump sum, income stream (regular payments), or a combination.</p> <p> </p> <p>There are, however, limits to who can receive an income stream – this option is only available to children under 18 (or under 25 if they’re still financially dependent). Even then, these income streams must be converted into a lump sum on or before your child’s 25<sup>th</sup> birthday, unless they have a permanent disability. </p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="divider-f6c66f5cfe" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-dd60dcbbd5" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="different-types-of-nominations" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">What are the different types of nominations?</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-a75b6483c2" class="cmp-text"> <p>There are four main types of benefit nominations that people may choose from, based on their goals and whether they have a super or pension account. </p> <ul><li>binding death benefit nomination (for super or pension accounts)</li><li>non-lapsing death benefit nomination (for super or pension accounts)</li><li>non-binding death benefit nomination (for super or pension accounts)</li><li>reversionary death benefit nomination (for pension accounts only)</li></ul> <p>CFS only offers non-lapsing death benefit nominations, and reversionary death benefit nominations for pension accounts. </p> <p> </p> <p>Binding and non-lapsing death benefit nominations legally commit the trustee of your super fund to pay your super to your nominated beneficiaries, provided the nomination is valid at the time of your passing. This means your super fund must pay your super to the beneficiaries you nominated.</p> <p> </p> <p>A binding death benefit nomination generally needs to be renewed periodically (usually every three years) to remain valid.</p> <p> </p> <p>A non-lapsing death benefit nomination may remain valid indefinitely unless you choose revoke it and make a new one. </p> <p> </p> <p>A reversionary beneficiary automatically becomes entitled to receive your super pension your death. With a reversionary pension, your existing super pension will continue to be paid, but to your beneficiary.</p> <p> </p> <p>A non-binding death benefit nomination functions almost like a suggestion rather than instructions. Your super fund trustee will consider your nomination alongside the governing rules and super laws when determining who should receive your super.</p> <p> </p> <p>This can be useful if you think your personal circumstances could change over time – for example, maybe you’re expecting your family to grow in the next few years, or are going through a separation. </p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="divider-23e6c2bd4d" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-7bc89ce59f" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="what-happens-if-i-dont-make-a-nomination" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">What happens if I don’t make a nomination?</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-a8b107d9f9" class="cmp-text"> <p>If you don’t make a benefit nomination, or your nomination is invalid, your fund’s governing rules will determine who receives your super. This may include:</p> <ul><li>Paying it to your legal personal representative (estate), or</li><li>Paying it to the eligible beneficiaries as your fund considers appropriate.</li></ul> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="divider-c0dbbe3a62" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-f95d159fb1" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="what-taxes-might-my-beneficiaries-pay" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">What taxes might my beneficiaries pay?</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-c4dfae5e3b" class="cmp-text"> <p>Depending on who your super is paid to – and how they receive the money – there may be taxes involved. </p> <p> </p> <p>For lump sums, tax will depend on whether it is received by a tax-dependant. This is different to a super dependant and includes:</p> <ul><li>your spouse (including a de facto spouse) or former spouse</li><li>your children aged under 18</li><li>someone fully financially dependent on you</li><li>someone you had an interdependent relationship with. </li></ul> <p>If a tax-dependant receives your super as a lump sum, it’s tax free. In this case, your beneficiary doesn’t need to include it in their income tax return. However, a non-tax dependant may be required to pay tax on part or all of the lump sum they receive.</p> <p> </p> <p>If a lump sum is paid to your estate, the tax will depend on whether it will be directed to tax dependants or non-tax dependants via your estate.<sup>3</sup></p> <p> </p> <p>For super paid to your beneficiary as an income stream, tax will depend on a range of factors, including the age of both you and the recipient and the taxable and tax-free components of your super account. In most cases, if either you or your beneficiary are aged 60 or over, the income stream payments will be tax free.</p> <p> </p> <p>That doesn’t mean paying a lump sum to your dependants is always the smartest option. You should consider speaking with a financial adviser if you’re unsure on the most tax-effective way to pass on your super or just want to know more about how these taxes work.</p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="divider-4a661124d5" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-280c2975dd" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="can-a-nomination-be-challenged" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">Can a nomination be challenged?</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-acdb46a9cb" class="cmp-text"> <p>A binding or non-lapsing death benefit nomination can provide more certainty than other nomination options. In most cases, where a binding or non-lapsing nomination remains valid at the time of death, it cannot be challenged via the super fund, the Australian Financial Complaints Authority (AFCA), or the Courts.</p> <p> </p> <p>However, your nomination could be challenged on the grounds it is invalid at the time of death. For example, if there is insufficient evidence to prove the nominated beneficiary is a super dependant or the trustee cannot identify there is an estate.</p> <p> </p> <p>It is also important to note that notional estate laws (currently only applicable in NSW) may in some cases allow a Court to make family provision orders out of assets that do not form part of a person’s estate – this can include super paid to an individual via a binding or non-lapsing death nomination. </p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="divider-e63f18e5d2" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-68d2f6fd2c" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="make-a-non-lapsing-death-benefit-nomination" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">How do I make a non-lapsing death benefit nomination?</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-12f69808b2" class="cmp-text"> <p>If you’d like to make a non-lapsing death benefit nomination for your CFS super and/or pension accounts, you will need to complete a <a title="Non-lapsing Death Benefit Nomination Form" data-tracker-locationid="cfs | text1-nonlapsingdeathbenefitnominationform" href="https://www.cfs.com.au/content/dam/prospects/fs/4/7/fs4700.pdf?adobe_mc=MCMID%3D33221868010505870122407787655126851146%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1693544485" target="_blank" rel="noopener noreferrer">Non-lapsing Death Benefit Nomination Form</a>.</p> <p> </p> <p>Please read the instructions carefully before filling out your details. Once completed, print the form and have it signed and dated in front of two eligible witnesses.</p> <p> </p> <p>Your witnesses will also need to sign and date the form. You must then return the form to us.</p> <p> </p> <p>You can:</p> <p style=" margin-left: 40.0px; "><b>Upload the form online</b> </p> <p style=" margin-left: 40.0px; ">Upload a scanned copy of the completed document by logging into our secure online portal under My Account > Upload a scanned form.</p> <p style=" margin-left: 40.0px; "> </p> <p style=" margin-left: 40.0px; "><b>Post the form to us</b></p> <p style=" margin-left: 40.0px; ">Colonial First State</p> <p style=" margin-left: 40.0px; ">Reply Paid 27</p> <p style=" margin-left: 40.0px; ">Sydney NSW 2001</p> <p> </p> <p>We’ll process your completed form within five working days of receiving it. If the form is incomplete, or we need to ask you for more information, a member of our team will be in touch.</p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-11 "> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div data-cmp-is="container" id="divider-3eeb07e002" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--blue-6 "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 aem-Grid--phone--12 "> <div class="spacer aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8"> <div data-cmp-is="spacer" style=" --custom-xs: px; --custom-sm: px; --custom-md: px; --custom-lg: px; --custom-xl: px; " class=" Spacer Spacer--type-manual Spacer--preset-md Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-1 "> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-2e71dc1068" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-xs container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="make-a-reversionary-nomination" class="cmp-title"> <h3 class="cmp-title__text text--left colour-- h3">How do I make a reversionary nomination?</h3> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-3a6571a79e" class="cmp-text"> <p>To nominate a beneficiary to receive your pension payments if you pass away, complete a <a title="Reversionary beneficiary form" data-tracker-locationid="cfs | text1-reversionarybeneficiaryform" href="https://www.cfs.com.au/content/dam/prospects/fs/6/0/fs6043.pdf" target="_blank" rel="noopener noreferrer">Reversionary beneficiary form</a>. </p> <p> </p> <p>Please read the instructions carefully before filling out your details. Once completed, print, sign and date the form. You must then return the form to us.</p> <p> </p> <p>You can:</p> <p style=" margin-left: 40.0px; "><b>Upload the form online </b></p> <p style=" margin-left: 40.0px; ">Upload a scanned copy of the completed document by logging into our secure online portal under My Account > Upload a scanned form.</p> <p> </p> <p style=" margin-left: 40.0px; "><b>Post the form to us</b></p> <p style=" margin-left: 40.0px; ">Colonial First State</p> <p style=" margin-left: 40.0px; ">Reply Paid 27</p> <p style=" margin-left: 40.0px; ">Sydney NSW 2001</p> <p style=" margin-left: 40.0px; "> </p> <p>We’ll process your completed form within five working days of receiving it. If the form is incomplete, or we need to ask you for more information, a member of our team will be in touch. </p> </div> </div> <div class="spacer aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="spacer" style=" --custom-xs: 0px; --custom-sm: 0px; --custom-md: 0px; --custom-lg: 0px; --custom-xl: 0px; " class=" Spacer Spacer--type-manual Spacer--preset-lg Spacer--direction-vertical Spacer--size-xs-inherit Spacer--size-sm-inherit Spacer--size-md-inherit Spacer--size-lg-inherit Spacer--size-xl-8 "> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-58dd88aad9" class="cmp-text"> <p><sup>1Australian Taxation Office, ‘<a href="https://www.ato.gov.au/Super/APRA-regulated-funds/Paying-benefits/Paying-superannuation-death-benefits/" target="_blank" title="Paying superannuation death benefits" data-tracker-locationid="cfs | -bipayingsuperannuationdeathbenefitsib" rel="noopener noreferrer"><b><i>Paying superannuation death benefits</i></b></a>’ N.D., accessed 26 September 2023</sup></p> <p><sup>2Australian Taxation Office, ‘<a href="https://www.ato.gov.au/individuals/super/withdrawing-and-using-your-super/superannuation-death-benefits/" target="_blank" title="Superannuation death benefits" data-tracker-locationid="cfs | -bisuperannuationdeathbenefitsib" rel="noopener noreferrer"><b><i>Superannuation death benefits</i></b></a>’, N.D., accessed 26 September 2023</sup></p> <p><sup>3Australian Taxation Office, ‘<a href="https://www.ato.gov.au/Super/Self-managed-super-funds/Paying-benefits/Death-of-a-member/" target="_blank" title="Death of a member" data-tracker-locationid="cfs | -bideathofamemberib" rel="noopener noreferrer"><b><i>Death of a member</i></b></a>’, N.D., accessed 26 September 2023</sup></p> </div> </div> </div> </div> </div> </div> </div> <div class="container 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