HESTA PDS

HESTA Product Disclosure Statement and application form

The HESTA Product Disclosure Statement (PDS) is for people joining HESTA through their employer. This PDS includes an overview of HESTA, how super works, risks, investments, fees and costs, tax, insurance and opening an account. Also included are application, rollover and choice of super fund forms.

You should receive a total of 26 pages if printing this PDF.

HESTA Personal Super Product Disclosure Statement and application form

HESTA Personal Super is designed for the self-employed, for those in a partnership or if an employer has decided not to participate. This PDS includes an overview of HESTA, how super works, risks, investments, fees and costs, tax, insurance and opening an account. Also included are application, rollover and change of member details forms. 

You should receive a total of 24 pages if printing this PDF.

View the HESTA Income Stream Product Disclosure Statement.

How super works

This document provides more information about Section 2 of the PDS, including the types of contributions members can make to super, when super can be accessed and what happens to super at retirement.

You should receive a total of 4 pages if printing this PDF.

Risks of super

This document provides more information about Section 4 of the PDS, including details about investment risks and other risks associated with superannuation.

You should receive a total of 4 pages if printing this PDF.

Fees and costs

This document provides more information about Section 6 of the PDS, including details about the fees and costs associated with having a HESTA super account.

You should receive a total of 4 pages if printing this PDF.

How super is taxed

This document provides more information about Section 7 of the PDS, including details about tax applicable to super contributions, investment earnings and lump-sum payments.

You should receive a total of 2 pages if printing this PDF.

How to make a complaint

This document provides more information about Section 9 of the PDS, including details about the internal and external dispute resolution processes available to HESTA members who wish to make a complaint.

You should receive a total of 4 pages if printing this PDF.