This communication is provided by Club Plus Superannuation. It contains general financial information that has been prepared without taking account of your objectives, financial situation or needs. Before acting on the information in this communication or deciding whether to acquire or hold a product, you should consider its appropriateness and the relevant Product Disclosure Statement (PDS). If you would like to consult a qualified financial planner before making your decision, you can obtain commission free professional financial advice from Club Plus Financial Planning on a range of financial issues including superannuation, retirement planning, wealth creation, income protection and personal life insurance. Please refer to the advice section of the website. While all reasonable care has been taken in producing this information, Club Plus Super and their directors and employees do not warrant the accuracy or completeness of this information and will not be liable for, or in connection with, any loss or damage suffered as a result of any inaccuracies, errors or omissions or your reliance on this information.