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We’re preparing your 2024/25 annual statement, with delivery starting from 11 September. It may take a few weeks to arrive by mail or online. You can update how we send it to you in Member Online. More information on your annual statement.

Product disclosure statements (PDS)

Future Saver PDS - Employer Sponsored and Personal
PDF (466 KB)
Future Saver PDS - Ambulance Officers
PDF (197 KB)
Future Saver PDS - NSW Police Officers
PDF (203 KB)
Aware Super Retirement Income Product Disclosure Statement
PDF (3 MB)
Aware Investment Funds Product Disclosure Statement
PDF (4 MB)

PDS Updates

Information in our Product Disclosure Statements, which are not materially adverse, are subject to change and may be updated from time to time. You can find the updates to current information below.

No updates to current PDS information.

No updates to current PDS information.

No updates to current PDS information.

 

Future Saver Handbooks

Super Handbook
PDF (1 MB)
Investment and Fees Handbook
PDF (3 MB)

 

Insurance Handbooks

Insurance Handbook Employer Sponsored and Personal
PDF (3 MB)
Insurance Handbook - Ambulance Officers
PDF (4 MB)
Insurance Handbook - NSW Police Officers
PDF (4 MB)
Insurance Handbook Xylem Water Solutions
PDF (3 MB)

 

Financial Services Guides (FSG)

General Advice Financial Services Guide
PDF (79 KB)
Aware Financial Service Australia Limited - Financial Services Guide

Website Disclosure Information - Before using any of our financial services, it's important to understand what they involve. Our Financial Services Guide contains important information, which you should read to assist in deciding whether to use our financial services.

PDF (419 KB)

 

Target market determination (TMD)

Target Market Determination - Aware Super Future Saver Empoloyer Sponsored and Personal
PDF (132 KB)
Target Market Determination - Aware Super Future Saver Ambulance Officers
PDF (143 KB)
Target Market Determination - Aware Super Future Saver NSW Police Officers
PDF (143 KB)
Target Market Determination - Aware Super Retirement Income and TTR
PDF (133 KB)
Target Market Determination - Aware Investment Funds
PDF (113 KB)

 

FAQ

DDO requires issuers and distributors of financial products to have a customer-centric approach to the design and distribution of their products, with the aim of helping customers to obtain financial products that are appropriate for their objectives, financial situation and needs. It is applicable to all our products that require a Product Disclosure Statement excluding MySuper and closed products.

A Target Market Determination is a document which describes a group of retail clients (the target market) for whom a product is likely to be appropriate or consistent with their likely objectives, financial situation and needs. It provides any conditions and restrictions on how the product can be distributed to customers.
It also describes the events or circumstances where we may need to review the Target Market Determination for a financial product.

We’re required to have Target Market Determinations as a result of changes that have been made to the Corporations Act 2001.

This is to make sure we’re keeping customers at the centre of our approach to the design and distribution of our financial products.

For Aware Super Group Product Distributors Only:
As per ASIC Corporations (Design and Distribution Obligations Interim Measures) Instrument 2021/784, you no longer need to report if nil complaints are received. We will be incorporating these changes to our TMDs in the next TMD review cycle.
Target Market Determinations are regularly reviewed.