Service Features

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Investment Features

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Cooling Off

If you change your mind after you apply to open an account and you have not exercised any right or power in relation to this product, you can cancel your account within 14 days from the end of the 5th day after the account is opened or you receive confirmation of the account’s establishment (whichever is earlier).This is called your “cooling off” right. Upon exercising this right your investment amount will be refunded after making allowance for any investment fluctuations, fees, costs and taxes, as permitted by law. In some cases, (such as cancellation of a pension account) the investment amount can only be refunded by being retained within an accumulation account in the Plan or by transfer to another superannuation fund (that is, by “cooling off” you will not necessarily be able to receive the investment amount in cash because the law sometimes requires that the investment amount is retained in the superannuation system until you satisfy a condition of release). You may not be able to exercise your “cooling off” rights if you have taken a payment (such as a pension payment) or exercised certain other rights in relation to your account.

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