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A Complete Manual with respect toM40 Form

hello and thank you for joining me forthis walkthrough of the 2016 2017 memberstatement my name is Maddie and I'm amember and consultant for theCommonwealth superannuation Corporationor CSC CSC is the trustee for yourscheme military super as well as the oldscheme DFO DB and the new scheme ATFsuper together we'll go through our newlook statement page by page to helpfamiliarize you with the document and toallow you to compare it to your ownstatement before we do that I need tolet you know that this video has beenprepared with general advice only Ihaven't taken into account your personalsituation objectives or needs so seekfinancial advice where appropriate it'salso important to note that this videois targeted at contributing members ofmilitary super if you are a militarysuper preserved member that's okay itjust means that perhaps not everysection of this video will be relevantor accurate for you I'll be taking youthrough the statement page by page whichincludes looking at your details andknowing where to go if there's a mistakewe'll be looking at how your benefitsgrown and breaking down some of thatcomplex superannuation terminology we'lllook at some other sections of thestatement that you may or may not haveon your own document to make sense ofthose two we have used dummy statementsin this presentation so the figureswe've used are entirely made up andprobably won't look like your statementbut that's okay let's start with yoursuper snapshot at 30 June 2017 now yourmilitary super benefit has threecomponents the member employer andancillary benefits military super is ahybrid scheme meaning that your memberand ancillary components are theaccumulation component which is subjectto investment returns and then you havethe employer benefit or the definedbenefit component in other words yourmember and ancillary benefits aregenerally your contributions or othermonies plus investment returns and theemployer benefit is defense ascontributions now not every member isgoing to have ancelery benefit that depends on whetheryou've made the certain contributionsthat go into that part of the fund so ifyou see a zero for your ancillarybenefit that's okay let's take a look atyour personal details at 30 June 2017the first two are self-explanatory youknow your name and your service numberso we'll move to number one your rankthis is the rank held on our records outof 30 June 2017 if you're acting inhigher duties it will be the rank youare acting at as reported to us bydefense if you think there's a mistakeplease contact your pay unit so they canreport the correct rank to us number twois your salary for superannuationpurposes now this was your salary forsuper at 30 June 2017 it's generallymade up with your base salary plus yourservice allowance if that's applicableto you if your salary increased afterthe 30th of June 2017 it should be shownon your next member statement once againcontact your pay unit if you think thatthere's been a mistake number three willlet you know whether or not you'vesupplied your tax file number to us sothis will be a yes or a no if your taxfile number has not been supplied to usyou'll pay extra tax on yourproductivity contributions until we haveit and you will not be able to makepersonal member contributions numberfour tells us when your membershipcommenced now this relates to when thisrecord was established for many membersthis will be the same as your enlistmentdate however if you've previouslydischarged and later returned to the ADFit will be the date that you returnedyour previous service is recognized whencalculating the growth of your benefitnumber five is your period of eligible1service this is the number of days1between line for your membership1commencement and the 30th of June 20171there may be a discrepancy if you've1taken any leave without pay not to count1a service number six will show any1additional service recognized for1military super this is where we1acknowledge any service that you may1have performed during a different1enlistment that it's not shown in line1four1it's also where we would show any1foreign service that we've recognized1for benefit accrual purposes1if you have foreign service and you want1to learn more about getting this1recognized read our foreign service fact1sheet that will tell you what you need1to do and it will show you the impact on1your military super benefit number seven1this line only relates to members who1have transferred from DFID be to1military super so if you've only ever1been a military super member this1doesn't affect you and really it's just1for information for those effective1members anyway number eight your maximum1benefit multiples are used to determine1when you and offense may or must cease1contributing to the scheme the multiple1is determined by your final average1salary which we'll touch on later now1there are two limits the lump sum1maximum benefit limit or lump sum MBO is1the lower limit at which you at which1point you can choose to stop1contributing if you wish noting that1defense will stop contributing to your1pension maximum benefit limit or MBO1is the point where you both must stop1contributing as you've reached your1maximum retirement benefit there are1fact sheets on the electricity per1website to help you understand your1limits and what happens once your1contributions cease we have skipped over1the mobile and email number because they1are self-explanatory but I will1highlight that these are details you can1update yourself there's no need for you1to go through your pay unit to change1your email or mobile number you can do1this yourself through member services1online let's take a look at your benefit1options your withdrawal benefit options1now you'll have a withdrawal benefit1options section on your statement based1on your age at 30 June 2017 we've got to1do different examples here but your1stable will only have one box our top1example is for someone 55 or over who is1leaving or retiring from the ADF at 301June 20171our bottom example is for someone under155 leaving or resigning from the ADF at130 June 2017 the options shown on on1your statement will be different for1everyone it's going to depend on your1age your preservation age and certain1restricted or unrestricted components1there is1more information about these options in1your Member statement guide that comes1out with your your statement pack so if1you want to learn more about what those1options actually mean what you can1actually do go and read through the1Member statement guide the amounts that1these options are based on may change so1you should always ask for a benefit1estimate for up-to-date information so1if you know you've got an exit date1within the next 12 months ask for a1benefit estimate as a military super1contributing member1you have inbuilt death and invalidity1benefits it's not insurance and you're1not paying any premiums for it it's part1of your scheme entitlements though it is1of course subject to claim eligibility1our top example is a death benefit at 301June 2017 if you died as a contributing1member we essentially project your1benefit to your compulsory retiring age1which for most people is 60 so we say1what would your benefit have been if you1would continue to serve until your 60th1birthday now if you're doing some estate1planning and you want to know what2happens in that circumstance we have got2a fact sheet on our website called death2and dependent benefits that will go into2some more detail about how we calculate2that benefit it will also talk about the2beneficiaries that may be able to claim2this because you may or may not be aware2that military super is different to2other super funds in that you can't2nominate your beneficiaries so read2through that fact sheet to understand2who might receive your benefits in that2in that instance our bottom example is2for someone who is medically discharging2from the ADF and getting a Class A2pension we effectively do the same2calculation in projecting the service to260 we do exactly the same thing there2but then we determine what your level of2incapacity is which will in turn2determine whether you can claim the2benefit now if you know that you're2being medically discharged from the ADF2read the fact sheets that we've got on2our website there's actually a couple of2fact sheets relating to this that talk2about the levels of classification and2how we calculate the benefits so that's2important for you you do also have the2option to book a one-on-one member2consultation with a member education2consultant like myself there are dates2on our website and they typically run2from the ADF transition seminars2now if you're not already familiar with2it the defined benefit calculation for2military super meaning the calculation2of your employer benefit is your final2average salary multiplied by your2employer benefit multiple so your final2average salary is your average super2salary which we talked about earlier2over the last three years so that means2that it's not always going to be the2same as your super salary because it's2an average your employer benefit2multiple grows with every day that you2serve so the long you serve the bigger2your EBM is bearing in mind that there2are of course maximum benefit limits we2multiply the two figures together the2first times their EBM and that gives us2your defined benefit balance or your2defined benefit accrual so this is not2looking at your member benefit or2ancillary benefit this is just defense2as part of the benefit moving on to your2benefit summary now the very first line2that's not numbered there is your total2benefit at 1 July 2017 this amount2includes any money that you've rolled2over in previous financial years any2contributions you've made in previous2financial years all totaled up in that2one figure we're moved to number 12that's your member contributions this is2the 5 to 10% member contributions that2you've made during the reporting period2and it will be reported against your2non-concessional cap so that means that2any member contributions you've made in2previous years are not shown here this2is just what you contributed during the21617 financial year number 2 additional2personal contributions these are2voluntary post-tax contributions made2during the reporting period that are2separate to your member contributions2these can be paid regularly by2deductions from your pay or as one-off2lump sums this will also count towards2the non-concessional contributions cap2and they will form part of your2ancillary benefit number 3 is salary2sacrifice this is the total of any2salary sacrificed contributions during2the reporting period salary sacrifice is2another type of voluntary contribution2however these are pre-tax contributions2military super will deduct 15% tax when2we receive these amounts and the amount2shown here is after that 15% tax has2been deducted any gross salary2sacrificed contributions during the2reporting period will count towards the2concessional contributions cap and will2form part of your ancillary benefit2number four is spouse contributions here2you'll see the total amount of any post2tax contributions made by your spouse3into your military super ancillary3benefit during the reporting period3these contributions will count towards3your non-concessional contributions cap3so even though your spouse has made that3contribution it counts towards your caps3so bear that in mind3number five Co contributions these are3amounts paid by the ATO for people below3a certain income threshold who have also3made after-tax contributions if you were3eligible for Co contributions during the3financial year 1617 these will be paid3to military super after you lodge your3tax return and shown on your next member3statement these amounts are part of the3ancillary benefit and you may see these3amounts if you've been deployed for part3of a year because that affects your3taxable income I'm going to move past3low income super contributions because3that's another sort of ATO type of3payment some information on the ATO3website if you're interested in learning3about that so we'll move to number six3transfers in as a contributing military3super member you can roll in super from3other funds any amounts roll in during3the reporting period we'll be showing3here these amounts don't count towards3any caps and they're part of your3ancillary benefit you can roll them back3out at any time3number seven superannuation guarantee3contributions these are the total of any3payments from other defense or the ATO3during the reporting period for the3purpose of ensuring that you receive the3amount you're entitled to under super3guarantee legislation so if your salary3for superannuation purposes which we3talked about earlier is lower than your3actual salary you may occasionally see3this amount however given that3contributing military super members3receive 18 to 28 percent of3super salary per annum this typically3covers that gap number eight is your3productivity contributions these come3from defense and they're typically paid3at three percent of your salary for3super your productivity component forms3one part of your employer benefit these3are pre-tax contributions so military3super will deduct fifteen percent tax3when we receive them the amount shown3here is after that fifteen percent tax3has been deducted the gross productivity3contributions do count towards your3concession or Capet we'll move to number3nine your net earnings this is the total3net earnings during the reporting period3on all your invested components by3invested I'm referring to your member3productivity and ancillary benefits3investment returns in super are taxed at315 percent so the figure shown here is3after that's been deducted this is also3after any indirect costs associated with3investing your invested components is3deducted number ten your employer share3this is a notional or unfunded amount3from defense during the reporting period3that's used to top-up your defined3benefit to equal the first times EVM3calculation after productivity has been3counted so it's the difference between3your employer benefit from the previous3slide and your total productivity3benefit this means that in years where3fund earnings are good less employer3share topic is needed but in years where3fund earnings are poor the employer3share top-up may be bigger in our3example we've left number eleven blank3but this is where you would see any3withdrawals during the reporting period3such as rolling money out of the fund if3you see an amount here and you don't3remember making a withdrawal get in3contact so we can let you know why that3might have occurred we've now talked3about some contributions that will count3towards your concessional cap such as3salary sacrifice and productivity3starting from 1 July 2017 there's also3an additional notional amount that won't3be shown on your statement and it's3different to the notional employer share3if you're interested in learning more4about this notional amount there is a4fact sheet4and calculator on the military super4website this might be particularly4important for people who've been salary4sacrificing in previous years who may4now need to adjust the amount that4they're contributing or someone who's4thinking about salary sacrificing in the4future to ensure that you don't exceed4that concessional contributions cap4let's take a look at your investment4options section of your statement now4each investment option in military super4is divided into units and this section4will show you where your funds were4invested or what units were held at 304June 2017 when you invest in an option4for example by making contributions you4buy units and when you leave an option4such as by making withdrawal or an4investments which you sell units the4value of your investment in any given4option is the number of units you hold4in that option multiplied by the unit4price of the option at the relevant time4this section may be useful to you if4you've chosen to diversify your member4and ancillary benefits between more than4one option and you want to review the4performance you can switch your4investment options at any time free of4charge via member services online or4completing a switch form before doing so4before going ahead with a switch we do4ask that you consider your investment4time frame into a risk profile your4benefit details at 30 June 2017 we'll go4through that next number one is your4preserved benefit this amount cannot be4claimed as a cash lump sum until you've4met your preservation age and retired or4have satisfied another condition of4release the rules are different for4accessing and military super pension4this is only referring to accessing a4lump sum number two is your unrestricted4non preserved benefit you can withdraw4an unrestricted non preserve benefit4even if you're not at your preservation4aid subject to military super rules in4military super no benefits are payable4until you leave the IDF so this amount4is almost always zero for contributing4members the exception to this would be4if you have rolled in money from another4super fund and that rollover contained4an unrestricted non preserve benefit but4for most Millett4supera members who are contributing this4amount will be zero4moving to number three you're restricted4non preserved benefit this amount is4restricted by your employment so this4amount can only be paid to you once you4leave the ADF if you leave it then moves4to number two as an unrestricted non4preserve benefit this amount is4sometimes referred to as your pre 994member component the sum of all three4components there should equal your total4benefit at 30 June 2017 the surcharge4debt was an ATO surcharge on certain4super contributions and it was abolished4over ten years ago but if you have one4you are still required to pay it at some4point if you do have a surcharge debt4you can pay it now via be pay or check4otherwise you can pay it when you claim4either from your lump sum or as a4permanent pension reduction you can get4B pay details or find out how much your4pension could be reduced by from the4contact centre if you're unsure of how4or when to pay your debt that's one of4those situations where you might like to4seek financial advice we do have a fact4sheet on the surcharge debt on our4website it's called the superannuation4contribution surcharge fact sheet and it4may help you understand why that debt4perhaps accrued in the first place there4is also information available from the4ATO right at the end of your statement4after the transaction summary and4everything else you will have a fees and4other costs section now you will not see4any administration fees on your4statement because these are all paid for4by defense what you will see is the5indirect costs now the indirect costs5are associated with investing your money5and they're a proportion essentially so5we don't take those off your balance we5get the investment returns back we take5that proportion away and then we add the5net earnings to your balance so it's not5charged directly to you now activity5fees this is something else you might5see these are related to requests for5family law information and5reconsideration requests now if you've5been through that process5through the Family Law request process5there may be some alarm bells ringing5because you know that you've already5paid this fee so you would have paid5that upfront and we're just showing it5here for record-keeping we're not5charging it to your account again we are5coming to the end now but I'll give you5some other resources that you can refer5to to learn more about your5superannuation or about money and5finances in general the first one I can5send you to is the military super5website you can download your annual5statement if you haven't already done5that and you can view the member5statement guide that comes out with your5statement pack that statement guide will5go through some similar concepts to what5we've talked about today but it may5cover certain things in more detail like5the benefit options or it may just word5things a different way to you that might5make more sense we do have plenty of5fact sheets available there as well as5we've mentioned and this is also where5you view the dates for any one-on-one5member consultations in the bottom left5we've got the details for the Centrelink5financial information services offices5or as they call themselves fizzies you5can sit down with a physio for up to an5hour one-on-one and talk about anything5finance related to get a better5understanding to improve your financial5literacy now like me they can only give5you general advice they can't recommend5to you a specific product or option to5take they're just there to help you make5informed decisions now this is a free5service it's available to everyone even5if you're not receiving Centrelink5benefits in the bottom right we've got5the details for the MoneySmart website5this is another financial literacy tool5and the website has a lot of calculators5fact sheets case studies guides to help5you improve your financial literacy5it's another free resource so I strongly5encourage you to go there and learn more5about things like super lending shares5money in general it's very useful5website in the top right we've got the5details of the industry fun services or5ifs ifs are the planners at CSC partners5with to give our members financial5advice now they are fee-for-service5financial advisors however they don't5receive any trailing fees or commissions5what that means for you is that the5recommendation5that they make to you the products or5services or advice that they give you is5the only to be the best for your5situation because they're not getting5any sort of incentives or commissions5for recommending a particular product5there are experts in CFC schemes meaning5that they understand the complexities of5schemes like military super where5perhaps many financial advisors might5not it's not to say all of them but this5is the ones that we recommend the first5appointment there is a hundred and5eighty five dollars at which point in5time they'll sit down with you get an5overview of your situation and they'll5give you a quote for a full statement of5advice comprehensive financial advice5typically cost between two thousand5dollars in five thousand dollars which5might sound like a lot but remember5you're not paying those trailing fees or5commissions years down the track that5brings us to the end of the walkthrough5I hope you've taken away some useful5information and resources to help you6understand the statement and perhaps6other financial information and thank6you very much for watching

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M40 Form FAQs

Here are the answers to some common inquiries regarding M40 Form. Let us know if you have any other confusion.

Need help? Contact support

How do I fill out an application form to open a bank account?

It is very simple and easy to fill up this form. If you are in a difficult situation ,get the help of related Bank officials and they will help you to submit the application form.

How do I fill out the NEET application form for 2018?

To fill up NEET application form visit the website www.cbseneet..http://nic.in here u r going to fill up the form online. But l hope the date of filling up the form has passed, as it started from 3rd week of December to 3rd week of January. Plz go through this site for complete details , I have given you my updated time line but then also once again check it carefully .

How long does it take to get a driver accreditation?

I started learning data science about 4 years ago. I had no real programming background. This is mostly geared towards people who are in the same position I was in. A lot of advice around learning data science starts with "first learn python", or "first take a linear algebra course". This advice is fine, but if I followed it, I never would have learned any data science. 1. Learn to love data Nobody ever talks about motivation in learning. Data science is a broad and fuzzy field, which makes it hard to learn. Really hard. Without motivation, you'll end up stopping halfway through and believ Continue Reading

How do I fill out the application form for an educational loan online?

Depending on which country you are in and what kind of lender you are going for. There are bank loans and licensed money lenders. If you are taking a large amount, banks are recommended. If you are working, need a small amount for your tuition and in need of it fast, you can try a licensed moneylender.

What is a driver accreditation?

Speaking as someone who has been an educational and employment consultant for a decade, no, they do not need to be “professionally” acquired. However, it is possible to get certifications for your skills to back up the fact that you have them. For something like photography or editing, you should have a portfolio that you can use to demonstrate your competency if you are asked about it. Certifications are secondary to demonstrated ability in many cases. Obviously, it goes without saying that this does not apply to actual certifications. Do not, for example, say that you are a Certified Microsof Continue Reading

What is driver accreditation certificate?

Speaking as someone who has been an educational and employment consultant for a decade, no, they do not need to be “professionally” acquired. However, it is possible to get certifications for your skills to back up the fact that you have them. For something like photography or editing, you should have a portfolio that you can use to demonstrate your competency if you are asked about it. Certifications are secondary to demonstrated ability in many cases. Obviously, it goes without saying that this does not apply to actual certifications. Do not, for example, say that you are a Certified Microsof Continue Reading

Who is eligible for a Taxicard?

Check your credit score (FICO) Ask your bank for your credit score Or, check via Credit Karma (they make their money by suggesting credit cards that they hope that you buy). It’s an approximation, a FAKO, not FICO, score If your score is low (below 600–650), apply for a secured credit card Recommend Discover It Student secured card If not, a student apply via your local bank A secured card is one where the bank uses cash as collateral to ensure payment. For example, if you have a $500 credit limit, the bank will hold $500 in cash from your bank account in collateral in case you don’t make payment. I Continue Reading

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