NEW FINANCIAL YEAR EDITION AUGUST 2019

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Welcome to the 2019/20 financial year! I hope you’re all ready to kickstart the “new year” with the New Financial Year edition of 360°Magazine.

With the Coalition Government re-elected in May, we now have a better idea of what the structure of Parliament will look like for the next three years. In the meantime, we’ve taken a closer look at some of the Coalition’s previously announced policies that could impact you on page 5.

It’s not just the election results bringing legislative change. It’s a new financial year, and as usual there are some new financial rules that came into effect on 1 July 2019. Some of these could have an impact on your super account, and others could be beneficial if you have started a retirement planning strategy. “We’ve summarised everything you might need to know on page 3.

At this time of year, it’s always good to review your strategies and check in with your financial adviser. The new financial year has only just begun, and there’s plenty of time to start implementing new strategies.

If any of our articles in this edition spark your interest, please feel free to give the financial advisers at Intrust360° a call. You can catch them on 1300 001 360, or book an appointment online at intrust360.com.au.

Kind regards, Brendan O’Farrell

DisclaimerThe information in this edition of 360° Magazine has been prepared without taking into account your particular financial needs, circumstances and objectives and is therefore not suitable to be acted on as investment advice. You should assess your own financial situation and may wish to consult an adviser before you make any changes to your financial affairs.

Issued by IS Industry Fund Pty Ltd | MySuper Unique Identifier: 65704511371601 | ABN: 45 010 814 623 | AFSL No: 238051 | RSE Licence No: L0001298 | Intrust Super ABN 65 704 511 371 | USI/SPIN: HPP0100AU | RSE Registration No: R1004397.

IS Financial Planning Pty Ltd ABN 64 143 707 439 trading as Intrust360° is a wholly owned subsidiary of IS Industry Fund Pty Ltd ABN: 45 010 814 623. Intrust360° is a corporate authorised representative of Link Advice Pty Limited ABN: 36 105 811 836 | AFSL: 258145 | Corporate Authorised Representative Number: 379207.

Contents

2 Everythingyouneedtoknowthisfinancialyear

A number of new rules came into effect on 1 July 2019

4 Anewlyre-electedGovernment

What does this mean for you?

6 Agoodreasontosaveforyourfuturethisfinancialyear

You might be able to make some extra contributions this financial year

8 Brendan’sBanter The economic musings of a super

fund CEO

11Howwouldyouspendataxreturn?

Everyone’s hoping for a handy bonus from the tax man at this time of year

12Somesurprisingtipsforthenewfinancialyear

Four tips you might want to take advantage of in 2019/20

LETTER FROM THE EDITOR

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1Awarded Money magazine’s ‘Best Value Insurance in Super’ from 2013-2018.2Cover for an amount of $300,000 applies to Intrust Super Core Super | MySuper members aged under 40.

Each new financial year, there are some new rules and regulations to be aware of. This year, some of these new rules could have a significant impact on you and your super account. Others could help to provide more flexibility when it comes to retirement planning. We’ve summarised all the major changes you might need to be aware of this new financial year, so you don’t have to worry about keeping track!

More flexibility for pensionersIncreased Pension Work BonusFrom 1 July 2019:

• The Pension Work bonus will be increased from $250 to $300 per fortnight.

• The eligibility for the Work Bonus will also be expanded to include earnings from self-employment where you meet the active participation requirements.

This change could make a huge difference to the lifestyle of an Age Pensioner who is still working. It will enable Pensioners, including those who are self-employed, to work and earn more before their Age Pension income is affected.

Simplified Work Test• Prior to 1 July 2019, anyone aged 65 to 74 was unable to contribute

to super unless they had been employed for at least 40 hours in a 30 consecutive day period.

• From 1 July onwards, those in this age group with a superannuation balance of less than $300,000 will be able to make voluntary contributions for an extra 12 months from the end of the financial year in which they last met the work test.

Sorting out your finances when you can’t contribute to super can be quite difficult. And the previous work-test rule made retirement preparation especially hard for anyone who found themselves retiring unexpectedly. With these new rules, recent retirees with low super balances [less than $300,000] will have an extra 12 months following retirement before they need to satisfy the work test.

Changes to lifetime annuities• Lifetime income stream products [commonly called lifetime

annuities] purchased after 1 July 2019 will be partially exempt from Age Pension assets tests. This could help some retirees access the Age Pension where they previously would not qualify due to the assets test.

The rules around annuities are quite complex, and it may be best to seek advice if you are interested in knowing more about this change. The financial advisers at Intrust360° are here to help! You can book an appointment via their details below.

Catch-up contributionsThe catch-up contribution rule could help you contribute more money to your super account in the 2019/20 financial year:

• If you did not use your entire before-tax contribution cap to add $25,000 to super in 2018/19, you may be able to access the unused portion in the 2019/20 financial year.

• This leftover amount will be available to use for up to five years, so long as you have less than $500,000 in super.

This change provides working Australians with the flexibility to contribute more to super when they are financially able to. You can find out more about this particular new rule and new strategies you could implement on page 7.

The Protecting Your Super legislationChanges to automatic insurance• Many Intrust Super members may

have lost their insurance on 1 July 2019 due to Government changes to insurance in super.

• Members who have not received a contribution or rollover in to their account for 16 months could lose any default insurance cover that is attached to their super account.

• This could include the Fund’s award-winning1 insurance offering, such as cover for up to $300,000 in life and TPD insurance2 [more cover can be applied for].

It is so important to be aware of these changes to insurance in super. If insurance is lost and you endure a sickness or injury in the future, this could lead to significant financial difficulties. If you’re not sure if your insurance has been affected, you can call Intrust Super directly on 132 467.

Accounts being transferred to the ATO• Any Intrust Super members who

have not received a contribution or a rollover in [or undertaken certain other qualifying activities] to their account in 16 months, and have a balance of less than $6,000, may have their super account transferred to the ATO.

• Any Intrust Super member whose account is transferred to the ATO will no longer be covered by the Fund’s award-winning1 insurance cover.

Intrust Super has contacted all members that may be affected by both these changes. If you’re not sure if your Intrust Super account has been affected, it’s a good idea to check for any communications about your account you may have missed. You can also log in to your MyGov account and check for any accounts that have been transferred to the ATO or contact the Fund on 132 467.

Everything you need to know this new financial year

If you’d like assistance or more information about any of the above changes, please call the Intrust360° financial advisers on 1300 001 360, or book an appointment at intrust360.com.au. We are at your service!

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The Coalition Government was re-elected in May and furthermore, they have a majority in Federal Parliament.

No doubt we will learn more about what policies they plan to implement over the next three years soon enough. In the meantime, let’s look at some previously announced policies and election promises that have or are now likely to come to fruition. However, it is important to note that some of these changes still await passage through Parliament.

Tax offsets A number of tax changes were announced in the 2018 and 2019 Federal Budgets and some of these recently became law.

Firstly, a new low- and middle-income tax offset will provide up to $1,080 for singles [or up to $2,160 for dual income families] earning between $48,000 and $90,000 every year for the next three financial years. The tax relief will gradually reduce for all individuals earning between $90,001 and $126,000.

More structural tax changes will be implemented in future financial years. This includes abolishing the 37 per cent tax rate and the reduction of the 32.5 per cent tax rate to 30 per cent from 1 July 2024 onwards.

Insurance for under 25s

Certain changes to default insurance in super were implemented on 1 July 2019, but not all of the Government’s proposals were able to pass through Parliament in the last financial year. Consequently, legislation to eliminate automatic [default] insurance in super for those under 25 and those who have less than $6,000 in super was deferred. Now that the Government has been re-elected, this policy is being reconsidered by Parliament. This could have consequences for many young Australian workers.

Flexibility with retirement preparationThe current work test could be altered from 1 July 2020 to allow those aged 65 and 66 to contribute to super without needing to meet the work test. This alteration to the work test will bring its requirements in line with the future Age Pension eligibility age.

The current work test requires those aged between 65 and 74 to have worked 40 hours in a continuous 30-day period during the current financial year before they can make a contribution to super. For those with less than $300,000 in super, they will need to have passed the work test in the previous financial year.

This legislation was proposed in the 2019 Federal Budget, and has not yet become law.

Retained franking credit cash refundsOne of the most talked about policies in the election was Labor’s intention to ban cash refunds on franking credits. With the Coalition Government’s re-election, this policy will not be going ahead. So if your retirement income is currently benefitting from cash refunds on franking credits, these can continue to be claimed.

Is this likely to impact your strategy?It’s likely that many Intrust360° clients will find their tax obligations will be reduced if all the proposed taxation changes progress through Parliament. And the changes to the work test could be a huge benefit to help future retirees get their finances in order. These upcoming changes could potentially have a positive effect on many financial strategies.

If you’d like to know how any of these changes or proposed policies may affect you, Intrust360° can help. Give our financial advisers a call on 1300 001 360. Simple super advice is available over the phone!

A newly re-elected Government!

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Life can sometimes present you with some surprising financial opportunities. You might receive an unexpected inheritance, or make the decision to sell your investment property, and suddenly find a large sum of money is headed your way!

If you have received such a bonus recently, the option to save or invest the money might have occurred to you. Perhaps your super could use the boost, for instance. However, the temptation to spend it on something more exciting, like a car or a holiday or even a state-of-the-art caravan, can be hard to ignore. Especially when you consider it’s not always easy to put a significant sum of money into super. The annual contributions caps [currently $100,000 for after-tax contributions and $25,000 for before-tax contributions] can make this difficult.

Before you reach for the motorhome magazine, though, it might help to know that there’s a new rule available that could help you contribute more to super. Perhaps it’s a good sign that saving for your future is the way to go this financial year. After all, contributing your money to super can give it the opportunity to grow. By the time you reach retirement, you could have even more money with which you can purchase a new car or go on a holiday.

Catch-up contributions The catch-up contribution rule has been in place since 1 July 2018, but it has only become available to use this financial year. The rule allows you to rollover any unused amount of your before-tax contribution cap since the 2018/19 financial year for use in the future. This amount could be available for you to use for up to five years, as long as you have less than $500,000 in super. So, if you didn’t contribute the maximum of $25,000 to your super before tax in 2018/19, you could contribute more than $25,000 before tax this financial year.

For many people who aren’t currently maximising their before-tax contributions, the ability to contribute extra in future years may not sound all that useful. But for those who find themselves receiving an unexpected windfall, the catch-up concessional rule could prove to be very handy.

The new rule in actionTake, for example, Intrust360° client Rod. Rod recently sold his investment property and wanted to contribute most of the sale to his super account, to give a good boost to his retirement savings.

After an appointment with his financial adviser at Intrust360°, Rod realised that, along with various other contribution options, he could use the catch-up rule to contribute a portion of the sale to his super account.

In the 2018/19 financial year, Rod’s employer had made a total of $11,500 superannuation guarantee contributions to his super. As Rod hadn’t made any before-tax contributions himself, this meant $13,500 of his before-tax contribution cap went unused in 2018/19.

Come the new financial year, thanks to the catch-up contribution rule, this $13,500 was rolled over for Rod to use on top of his 2019/20 before-tax contribution cap.

Assuming Rod’s employer only contributes another $11,500 to his super throughout the 2019/20 financial year, Rod could use the catch-up contribution rule to contribute $27,000 from the sale of his investment property to his super, as long as his total superannuation balance is below $500,000.

Table 1 – Rod’s before-tax contribution cap*

Rod’s contributions 2018/19 2019/20

Employer contributions $11,500 $11,500

Personal contributions $0 $0

Unused cap $13,500 $13,500

Total amount carried forward to next financial year $13,500 $27,000

*For simplicity, assumes no indexation of before-tax cap.

Talk to Intrust360°It’s important to note that Rod’s contribution strategy has been simplified in this example. Using a catch-up contribution strategy can be complex, and there are a few other elements that Rod and his Intrust360° financial adviser need to consider before he makes his contribution. For example, if Rod’s income was to increase, he will have less room in his cap to make this contribution.

If you would like to know if this new strategy could benefit you, it is best to seek advice from the Intrust360° financial advisers. You can book an appointment by calling 1300 001 360, or by visiting intrust360.com.au.

A good reason to save for your future this financial year

Parental leave recovery

The catch-up contribution rule can also be useful for those who need to take parental leave

Taking a break from work to provide for a family can be necessary. Whether it’s a strategy to manage the costs of day care, or just a temporary situation during the early stages of your child’s life, looking after a young family often necessitates time off work. An often-overlooked aspect of the financial repercussions are superannuation balances, as super contributions are generally not received as part of parental leave payments.

The new catch-up contribution can help with this problem! With the new rule, the unused portion of a parent’s before-tax contribution can be rolled over for up to five years. And if no employer contributions are received while they have time off work, this could be quite close to the full $25,000 cap.

Later, once they return to work, the extra money available in the cap could be used to help young parents catch up their super balance.

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Brendan’s BanterThe economic musings of a super fund CEO

Core Super, Executive Super and Select Super returns as of 30 jUNE 2019

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Monthly 0.82% 1.36% 2.04% 2.88% 3.66% 0.15% 1.15% 0.68% 2.35% 5.04%

FYTD 4.27% 5.28% 5.56% 6.34% 6.67% 2.04% 7.03% 4.84% 5.07% 8.50%

Rolling 1 year 4.27% 5.28% 5.56% 6.34% 6.67% 2.04% 7.03% 4.84% 5.07% 8.50%

Rolling 3 years* 5.31% 6.35% 9.33% 11.41% 12.60% 2.07% 3.68% 11.46% 11.14% 14.00%

Rolling 5 years* 5.22% 5.95% 8.47% 9.97% 10.56% 2.22% 4.33% 10.61% 9.45% 11.15%

Rolling 7 years* 5.74% 7.44% 10.17% 12.26% 13.47% 2.61% 4.48% 9.93% 12.01% 14.89%

Rolling 10 years* 6.22% 7.09% 8.99% 10.01% 10.99% 2.94% 6.16% 9.62% 10.05% 11.80%

As investment markets move up and down over time, it is important to remember that past performance is not an indication of future returns. Please note that the investment returns shown above have been rounded. This means there may be minor discrepancies when adding to achieve the compound return.^The Conservative and Combined Shares investment options are available in Executive Super and Select Super only.*Returns are per annum.

Transition to retirement [TTR] returns as of 30 jUNE 2019

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Monthly 0.82% 1.36% 2.04% 2.88% 3.66% 0.15% 1.15% 0.68% 2.35% 5.04%

FYTD 4.27% 5.28% 5.56% 6.34% 6.67% 2.04% 7.03% 4.84% 5.07% 8.50%

Rolling 1 year 4.27% 5.28% 5.56% 6.34% 6.67% 2.04% 7.03% 4.84% 5.07% 8.50%

Rolling 3 years* 5.63% 6.73% 9.88% 12.07% 13.35% 2.19% 3.76% 12.27% 11.58% 14.81%

Rolling 5 years* 5.65% 6.52% 9.19% 10.81% 11.22% 2.45% 4.70% 11.64% 10.38% 11.93%

Rolling 7 years* 6.23% 8.31% 11.10% 13.12% 14.24% 2.96% 4.97% 10.81% 13.02% 15.59%

Rolling 10 years* 6.85% 7.89% 9.77% 10.69% 11.55% 3.32% 7.02% 10.42% 10.80% 12.28%

As investment markets move up and down over time, it is important to remember that past performance is not an indication of future returns. Please note that the investment returns shown above have been rounded. This means there may be minor discrepancies when adding to achieve the compounded return.*Returns are per annum.

30 June marked ten consecutive years of positive returns for Intrust Super members in the Balanced option. This was a fantastic milestone for the Fund and its members. The Balanced option achieved a 5.56 per cent return for the 2018/19 financial year, along with strong longer term returns of 8.47 per cent and 8.99 per cent over 5 and 10 years respectively.

It’s a respectable result given the current economic outlook and the level of market instability early in the financial year. A few negative returns caused by this instability were counteracted by a significant rebound in the sharemarkets between late December 2018 and May 2019.

Let’s take a closer look at the events of 2018/19 and their impact on returns.

2018/19 in reviewShare markets plummeted between September and December due to the escalation of trade tensions between the US and China, and the expectation for the US Federal Reserve [Fed] to increase interest rates. As a result, the Fed changed its approach to policy, instead adding further economic stimulus by cutting rates.

The markets rebounded following the Fed’s shift, returning to record highs at the beginning of 2019 and recovering all losses from late 2018. In fact, most equity markets recorded positive returns for the 2018/19 financial year.

The re-emergence of the US-China trade conflict and the ongoing uncertainty surrounding rising interest rates globally caused a negative dip in share markets in May. Overall this impact wasn’t enough to topple a positive 2018/19 financial year return. The market dip does demonstrate that market uncertainty is still very much an ongoing factor and volatility is likely to continue in the future.

What to expect in the new financial yearEconomies naturally fluctuate between periods of expansion and contraction, and a normal economic cycle has four stages – expansion, peak, contraction and trough. We are likely at the late peak stage of the economic cycle, but when it comes to investments, you can never time when one stage will end and another begins. It’s therefore critical that members are cautious about markets continually delivering high returns at this late stage of the cycle.

The recommencement of US-China trade negotiations in June is a good sign that a trade deal might be reached, especially given the signs of a softening stance by both parties. A trade deal should help to ease much of the recent market volatility and encourage share market growth. But of course, nothing has been agreed upon yet, so a deal is not certain.

In addition, Brexit developments continue, and it is still unclear how the UK’s departure from the European Union will be negotiated. Political developments in the Middle East are also ongoing, and this continued uncertainty is a clear indicator that market instability may be a factor in the future.

So 2019/20 may prove to be another challenging one for investors. I am not expecting that we have seen the last of market volatility. Just remember that Intrust Super’s investment portfolio is actively managed and well-diversified, and is designed to provide strong returns over the long-term.

If you would like to discuss your investment options with a financial adviser, please give Intrust360° a call on 1300 001 360. You can also book an appointment online at intrust360.com.au.

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Super Stream returns as of 30 jUNE 2019

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Monthly 1.01% 1.55% 2.47% 3.12% 4.06% 0.20% 1.16% 0.67% 2.77% 5.34%

FYTD 4.91% 6.01% 6.45% 6.94% 7.55% 2.42% 8.12% 5.43% 6.12% 9.12%

Rolling 1 year 4.91% 6.01% 6.45% 6.94% 7.55% 2.42% 8.12% 5.43% 6.12% 9.12%

Rolling 3 years* 5.99% 7.26% 10.54% 12.68% 14.29% 2.43% 4.20% 12.83% 12.56% 15.61%

Rolling 5 years* 5.87% 6.84% 9.58% 11.17% 11.77% 2.60% 4.97% 11.98% 10.96% 12.39%

Rolling 7 years* 6.38% 8.54% 11.39% 13.39% 14.64% 3.06% 5.17% 11.04% 13.45% 15.93%

Rolling 10 years* 6.96% 8.05% 9.97% 10.87% 11.83% 3.39% 7.16% 10.59% 11.10% 12.51%

As investment markets move up and down over time, it is important to remember that past performance is not an indication of future returns. Please note that the investment returns shown above have been rounded. This means there may be minor discrepancies when adding to achieve the compound return.*Returns are per annum.

How would you spend a tax return? It’s nice to receive a handy bonus after getting through the end of the financial year. If you were lucky enough to receive a tax refund this year, we’ve got a few ideas about how you might like to spend it!

Deprioritised essentialsIt’s tough finding room in the budget for those bigger purchases, no matter how essential they seem. Maybe you’re in need of a new winter coat, or some protective work shoes, or even a dentist appointment. These might not be at the top of your priority list, but if you’re surprised by a reasonable tax refund, it could help you cover them!

Paying off debtSometimes costs crop up throughout the year that we can’t put off. And if you have found yourself in a tight spot, a credit card might seem like a good way to cover it, so you don’t have to go without. Of course, a credit card debt can become a financial burden if it’s left to grow too long. Perhaps your tax return might be the perfect way to start clearing it.

Home improvementsHome improvements can easily live on the “to-do list” indefinitely. But some could increase the value of your home, and maybe even your financial situation. If your house needs a repaint, or you could use some energy-efficient appliances, your tax return might be the perfect source.

A term deposit for your kidsYou could start a new tradition of putting your tax return into a term deposit for your children each year. Once they grow older, your yearly deposits could have grown significantly in a long-term savings account. You could use it to help your kids pay for university, or even their first car.

An emergency bufferAn emergency buffer can be hugely important if anything unexpected should happen. It’s always good to have a safety net, but sometimes it’s hard to set aside that money when expenses come in week by week. Receiving bonus money from the tax man could be a good way to kick off an emergency buffer!

Offset your home loanIf you’ve got an offset or redraw attached to your mortgage, depositing your tax return might be a great idea. Even if you only leave it in there while you decide what to do with it, doing so will help reduce the interest that accumulates on your loan. And if you end up leaving it in there, it’ll help you pay off your home loan more quickly!

Top up your super!The earlier you start contributing to super, the longer your money has the opportunity to grow. And if you struggle to make room for super contributions in your monthly budget, some extra money at tax time might be the perfect solution.

Treat yourselfIt is of course important to save and spend your money sensibly, but if you’ve saved all year and you’re not in particular need for anything, a treat might be just the thing. It’s OK to spend on yourself every now and again – especially with money you didn’t necessarily expect.

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Keen to take stock for the new financial year?Intrust360°’s new digital advice service, Super Blueprint, is the perfect place to review your finances.

Super Blueprint can use your Intrust Super account data to project your potential financial situation and provide you with some recommendations. The service delivers a personalised financial plan three-times quicker than our previous digital advice service. What’s more – it’s completely free!

Start the financial year off right with Super Blueprint. Just log in to MemberAccess, click ‘Financial Advice’ and follow the prompts to access the service.

Some surprising tips for the new financial year A new financial year is always a good time to take stock of your financial situation and start planning new strategies. And we’ve got a few tips that might just take you by surprise!

Prepare for Age Pension eligibility

If you are likely to become eligible for the Age Pension this financial year, preparing your application in advance could help you maximise your Pension income.

Previously, once you became eligible to receive the Age Pension, you would have filled in your application form, submitted this to Centrelink, and waited for the application to be processed and approved. Once you were approved to start receiving your Pension income, your payments would be backdated to the date you first applied.

There’s been a slight change made to this process. Now, Pension payments begin from the date the application is approved, and will no longer be backdated.

No doubt you can appreciate that this means your Age Pension entitlement is now dependent on the speed at which Centrelink is able to process your application. And that is unfortunately not at all in your control.

What you can control is the date you make your application. You can in fact apply for the Age Pension up to 13 weeks before you become eligible [the current age eligibility is 66]. In doing so, you should begin receiving your Age Pension income as soon as is possible. So it really does pay to be prepared!

A strategy review is particularly important

this financial yearWhy? Because 2020 is a leap year!

In the 2019/20 financial year, there are 53 Mondays and Tuesdays, rather than the usual 52. So if, for instance, you are paid weekly on one of these days, you will have 53 total pay days in 2019/20. If you are paid fortnightly, again on Monday or Tuesday, you will have 27 pay days, rather than 26.

This may not seem like it means much, but it could have an impact on your salary-sacrifice contribution strategy. If you’re close to maximising your before-tax contributions, more pay days in one financial year could send your contributions over the annual limits [currently $25,000]. And if you do exceed your annual cap, penalties will apply.

Whether the extra day will affect you this financial year or next may depend entirely on when your employer makes your super contributions. So it could be a good idea to get your strategy reviewed by an Intrust360° financial adviser. By making just a small adjustment to your contributions, you could avoid a penalty. Just give Intrust360° a call on 1300 001 360.

Update your childcare subsidy information

If you have young children in child-care throughout the year, you may be already claiming the child-care subsidy from Centrelink. If you are, you will have provided an estimate of your income to Centrelink to help them determine your subsidy.

It’s important to update this estimated income for the new financial year. If your income has changed, Centrelink will need to change your subsidy.

In addition, when you complete you tax return, Centrelink will balance your payments with your actual taxable income, to make sure your child-care fees were subsidised correctly. If you underestimated your income, you may end up owing some money to Centrelink. But if you overestimated your income, you could be entitled to an extra payment.

Centrelink also withhold five per cent of your subsidy, to reduce the likelihood that you could receive an overpayment. This outstanding amount will be paid directly to you at the end of the financial year, along with any extra payments they owe you after checking your final taxable income [providing, of course, you don’t owe them any money].

It’s the perfect time to call on Intrust360°!

At the beginning of the new financial year, it’s an ideal time to call in some strategic help from the experts. The financial advisers at Intrust360° can help you start 2019/20 off right with a solid financial plan. If you’d like a new strategy for the new financial year, or simply need assistance with any of the tips listed above, the Intrust360° financial advisers are here to help.

Just call 1300 001 360, or book an appointment online at intrust360.com.au.

Tip 1 Tip 2 Tip 3 Tip 4

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Advice on super?JUST A PHONE CALL AWAY!Would you like some super advice, without taking the time to make an appointment with a financial adviser? We can help! Intrust360° members can now receive simple super advice from our qualified financial advisers straight over the phone! Access high-quality, low-cost financial advice through Phone360°.

Call 1300 001 360 or visit intrust360.com.au to find out more.