Fees and discounts designed for young professionals

Transparent fees

We believe in transparent fees
You can find a breakdown of our fees and discounts on this page, or in Section 6 of our PDS.

These are the administration and investment fees charged to you*;

Investment option
 
Dollar-based admin fee p.a.
 
Percentage–based admin fee p.a.
 
Investment fee p.a.

Your balance under $1,000^

All options
=
$0
+
$0
+
$0

Your balance $1,000 and over

Balanced
=
$78
+
0.926%
+
0.063%
Growth
=
$78
+
0.926%
+
0.033%
High Growth
=
$78
+
0.926%
+
0.022%

Three examples

Let's assume you chose the High Growth investment option;
1: And your balance is $800^
Your fees
=
$0
+
$0
+
$0
Percentage-based administration fees and costs, and percentage-based investment fees are rebated back to members at the end of each month using your month end account balance.
2: Or your balance is $7,000^
Your fees
=
$78
+
$64.82
+
$1.54
3: Or your balance is $25,000^
Your fees
=
$78
+
$231.50
+
$5.50
These examples don’t include the reduction in fees from our loyalty discount program.
* A buy/sell spread and investment transaction costs may also apply. Refer to the Additional Explanation of Fees and Costs in the Reference Guide for more information.
^ A buy/sell spread and transaction costs may also apply. Buy/sell spreads are deducted on a transactional basis every time you buy or sell units and are reflected in the unit price. Transaction costs are incurred when underlying assets are bought or sold, and are calculated net of amounts received by the buy-sell spread charged and if applicable charged via a reduction in the unit price. A buy/sell spread and transaction costs will apply to all accounts above zero.

Fee cap for balances under $6,000.

By legislation, if your account balance at the end of the financial year is less than $6,000, fees relating to administration and investment are capped at 3% of your account balance. Any amount charged in excess of that cap will be refunded to your account.

Our loyalty discount program

We think members who stay with the fund should be rewarded for their loyalty!
You’ll automatically be enrolled in the program as soon as your balance reaches $1,000. If your balance falls below $1,000 for any reason in the future, you still keep your discount level.
Our loyalty discount program has seven membership levels with the fee discounts increasing over time.
The discount is calculated off your percentage-based admin fee.
Once you reach each membership level, as long as you remain a member of the fund for the next 12 months, the loyalty discount will be paid as a small refund to your account at the end of each 12 month period.
Refer to the Reference Guide for more information.

Loyalty program membership levels

Here are the seven membership levels, showing the reduced percentage-based admin fee you will pay, as well as what the level of discount is, calculated from the full percentage-based fee;
Level
Year
% based Admin Fee
Discount Applied calculated from full % based fee
Normal % based admin fee
0.9260%
0%
Bronze
1
0.9075%
2.00%
Bronze Plus
2
0.8893%
3.96%
Silver
3
0.8715%
5.89%
Silver Plus
4
0.8541%
7.76%
Gold
5
0.8370%
9.61%
Gold Plus
6
0.8203%
11.42%
Platinum
7
0.8039%
13.19%

Notes

The discount is calculated at each membership level as an additional 2% discount off your percentage-based admin fee.
In this table, for ease of display, the “percentage-based fee” column rounds the percentages displayed to 4 decimal places. The “Discount applied” column rounds the percentages displayed to 2 decimal places. The actual amounts can therefore differ very slightly as a result of this rounding.
The effect of the percent sign: It is important to remember that 0.92% is very different to 0.92. These numbers are 100 times different in size. When you add the “%” symbol, the number expressed as a decimal is 0.0092.
Percentage discounts off percentage-based fees can be confusing. Refer to the table to ensure you understand how the discount is calculated.
ABN 34 300 938 877
USI 34 300 938 877 006

Professional Super

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You should consider the Product Disclosure Statement, Reference Guide, Financial Services Guide and Target Market Determination before making a financial decision about this product.

This is general information only and does not take account of your personal objectives, financial situation or needs. Before acting on it, consider if the information is appropriate and whether you need to speak to an accredited professional. When considering financial returns, past performance is not indicative of future performance.

This product is issued by Diversa Trustees Limited (ABN 49 006 421 638; AFSL No. 235153; RSE Licence L0000635) as trustee for Professional Super which is a sub-fund of the Tidswell Master Superannuation Plan (ABN 34 300 938 877; RSE R1004953). Professional Superannuation Management Pty Ltd (ABN 31 617 160 791; AFSL No. 499786) (PSM) is the Promoter of Professional Super, which is marketed under multiple brands including Professional Super.

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