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Welcome to the industry super fund

dedicated to health and community services.

B HESTA

We’re here for employers to make their lives easier. For your employees to make their retirements better. And we’re here for the long run.––With more than 860,000 members and $50 billion invested globally on their behalf, our numbers are impressive.

But we never lose sight of the fact that it’s not only about strong performance figures – it’s about helping our members enjoy a retirement they’ve worked hard for.

We’re the only industry super fund dedicated to people in health and community services. We understand what you do. Why you do it. And what makes your employees tick.

We’re proud to be a part of your team. And, to stand alongside our partners and members, while advocating for a super system that better caters for people working in health and community services, women and First Australians.

Welcome to HESTA.

here for you, for good

01 partnership

02 reinvestment

05 actions

04 dedication

03 recognition

experience0607 philosophy

08 people

So, what’s in it for you?

partnership

01 we’re the partner you’ve been looking for

You’ll save time...We offer you access to QuickSuper (it's all part of the service). Your super payments will be simple, streamlined and secure. And with our online employer site, you’ll have super admin at your fingertips 24/7. From setting up new employees to managing existing members, you can do it faster, and fuss-free.

You’ll feel supported...We have team members in every state and territory. They're standing by to give you practical, professional help whenever you need it on all things super. We also inform, inspire and advise your employees to make the best possible decisions for their own futures.

You’ll cut down on admin...By offering a default fund that’s dedicated to your industry, you can feel confident you’re meeting your obligations — while letting us take care of the rest. We’ll keep you in the loop though; with regular updates so you can stay on top of your obligations.

Sally MorrisDirector, Crest NT2017 HESTA Aged Care Awards Winner

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reinvestment

02we think you're a great investment

$147mcommitted to life sciences investment.

$70mcommitted to social impact investments including affordable housing and disability housing.

$104minvested in state of the art health facilities across Australia.

$19mcommitted to an investment in aged care facilities in Tasmania

$9malready invested in social, affordable housing and disability housing.

Health and community services is one of Australia’s biggest and fastest growing sectors.So, it makes sense that we’re looking at your sector for good investment opportunities.

HESTA is one of the few super funds with a specific focus on the health sector, including investing in innovative new products and services. We're also one of Australia's leading impact investors. Through these investments we're making a positive social impact, as well as good returns for members.

Whether it’s funding a small start-up life sciences company, developing a life-saving new drug, or increasing the supply of social and affordable housing - we’re supporting your sector to make a real difference.

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6 HESTA

Gordon Manuel 2017 Aged Care Awards Winner

recognition

Health and community services is full of ordinary people doing extraordinary things, day in, day out, across Australia.

That’s why we created the HESTA Awards Program, to recognise the life-changing work being done by people like you.

The awards recognise professionalism, innovation and leadership and are proudly supported by ME – the bank for you. You can find out more at hestaawards.com.au

because their stories are our inspiration

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9HESTA

we’re all in this together

dedication

04We’re honoured to partner with thousands of employers across health and community services. And we’re proud of the role you play in shaping our nation.

So, what’s in it for your people?

They’ll benefit from strength in numbersWe have a MySuper-authorised investment option – Core Pool – that offers a great default strategy. Most of our members are invested in Core Pool. It’s a diversified portfolio that aims to protect members' savings from being eroded by inflation over the long term, and has strong long-term returns and competitive fees.

They’ll enjoy real peace of mindInsurance through super is a cost-effective way your employees can protect their families and finances. Eligible members get insurance cover that's automatically paid for from their super account. So it's one less thing for them to worry about. It's a simple 'set and forget' assurance until they need it. If an accident keeps them off work, for example.

They’ll be heard. Always.Our members are the heart of HESTA. We’re always here to help - by phone or with our online chat service at hesta.com.au where members can make a time for an adviser to call them back. We also use SMS to contact our members.

We listen through our insights community. It’s a place where feedback is given freely – and gratefully received – so that we can improve what we do, and how we do it. And, it drives our customer service.

And... they’ll think you’re the bestFinancial wellbeing isn’t something that comes naturally to everyone. That’s why we come to you and speak to your employees about the things they’ll need to think about before and during their retirement to make the most of it.

It's all part of the service.

11HESTA

We want to close the gender gap so we made a submission to the Senate inquiry addressing women’s super inadequacies and led the campaign with government to retain the low income super contribution.

We’re the first ever industry super fund to make a tangible impact on reconciliation with Aboriginal and Torres Strait Islander peoples and organisations. Read more at hesta.com.au/RAP

Through our Financial Inclusion Action Plan we’re playing a critical role in Australia’s future by improving financial resilience with education and support, for people experiencing financial exclusion and hardship. Read more at hesta.com.au/FIAP

We were the first super fund to help members stay in touch with their super through smart phones and a digital member card, and have since introduced smart video statement snapshots. We’ve even received global recognition for our innovation*.

we know actions speak louder than words

*2016 Excellence & Innovation Awards, sponsored by Pensions & Investments and the Defined Contribution Institutional Investment Association. These awards are designed to recognise Defined Contribution plan executives and their employers for well-executed, creative and unusual projects that help ensure participants have an adequate income at retirement.

actions

05 It’s one thing to talk about being a leader – and another to truly be one. We get that. And that’s why we never stop finding ways to be more proactive, insightful and supportive for our members. It’s not enough to simply earn money for them (although we’re proud to do so).

That’s the HESTA Impact.

13HESTA

Chant West Specialist Fund of the Year 2016, 2017 and 2019#

This award recognises how a fund supports the needs of a particular industry or occupation and recognises excellence across a range of key criteria, investments, member services, fees, insurance, administration and organisational strengths.

While most funds have a broad spectrum of members, HESTA is dedicated to the specialist needs of the health and community services sector.

SuperRatings AwardsWe won Career Fund of the Year and were awarded a 15 Year Platinum Performance Rating by Australia’s most respected super research company.

experience

*Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a fund.

Comparisons modelled by SuperRatings, commissioned by HESTA and shows average differences in net benefit of the main balanced options of HESTA and retail funds tracked by SuperRatings, with a 5 (133 options), 10 (67 options) and 15 (44 options) year performance history, taking into account historical earnings and fees – excluding contribution, entry, exit and additional adviser fees – of main balanced options. Outcomes vary between individual funds. Modelling as at 30 June 2019.

See hesta.com.au/superraterassumptions for more details about modelling, calculations and assumptions.

We’re an industry super fund. That means we work for you and your people – not shareholders.

We keep fees down, our costs low, and we don’t pay commissions to financial advisers. That way more money stays in super accounts. Right where it belongs!

HESTA has delivered $44,440 more than the average retail super fund over the past 15 years, $16,850 over the past 10 years and $5,577 over the past five years*. This was due to both lower fees and higher investment earnings.

For more information visit hesta.com.au/netbenefit

Product ratings are only one factor to be considered when making a decision. See hesta.com.au for more information. # For further information about the methodology used by Chant West, see chantwest.com.au

you’re in good hands

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15HESTA

Super is a long-term commitment.

So when we invest your employees' savings, we do so in a way that doesn’t ruin the planet or harm communities as that affects an investment’s long-term value.

Find out more at hesta.com.au/responsible

It’s how we’re helping create better futures.

philosophy

By investing thoughtfully, and intelligently, we can have an impact on gender diversity, sustainability, the environment and even human rights, both in Australia and around the world.

And we know these are things that matter to you and your people.

We were the first super fund to introduce a socially responsible investment option with Eco Pool in 2000.

We were among the first super funds to sign on to the UN-backed Principles for Responsible Investment (PRI).

We represented the voice of super and pension funds around the world, addressing the UN Climate Summit.

We were one of the first major Australian super funds to implement a portfolio-wide tobacco exclusion.

We’re an influential voice, collaborating with other leaders on responsible investing both locally and overseas. It’s another way we’re helping create better futures.

we invest with purpose

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17HESTA16 HESTA

Every decision we make has an impact on our people, our customers, our communities, health and community services, and the environment.

It’s a big responsibility. And an even bigger privilege.

Our Trustee Board of Directors is united by a common purpose. To make real differences to the lives of our members and, more broadly, Australian women.

Our CEO, Debby Blakey brings more than 20 years of experience in super and financial planning. Debby and our executives lead a team that shares a set of common beliefs that are probably not all that different to yours.

We look forward to joining you, and your employees, on the journey ahead.

people

we believe in the power of peopleWe invest $56 billion globally, on behalf of our members.

VICLevel 20 2 Lonsdale Street Melbourne(03) 8660 1600

NSWLevel 12 44 Market Street Sydney (02) 9249 5600

QLDLevel 8 120 Edward Street Brisbane(07) 3223 4900

SALevel 1 104 Frome Street Adelaide(08) 8100 9000

WALevel 4 251 Adelaide Terrace Perth(08) 9421 5700

TASLevel 3 119 Macquarie Street Hobart(03) 6220 8100

NTPaspalis Business Centre C/ HESTA Suite RW7 Level 1 48-50 Smith Street Darwin(08) 8943 0600

ACTSuite 9 & 10 Level 1 88-96 Bunda Street Canberra (02) 9249 5600

We have locations in every state and territory.

wherever you need us to be

08

While this is a general overview of what we do and why we do it, we’d love to talk more about what we can specifically do for you and your employees.

Give us a call. Speak soon. 1800 813 327

This information has been produced by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL No. 235249, Trustee of Health Employees Superannuation Trust Australia (HESTA) ABN 64 971 749 321. It is of a general nature and does not take into account your objectives, financial situation or specific needs so you should look at your own financial position and requirements before making a decision. You may wish to consult an adviser when doing this. Past performance is not reliable indicator of future performance. Investments may go up or down. Products ratings are only one factor to be considered when making a decision. See hesta.com.au/ratings for more information. The QuickSuper clearing house is a third-party service owned and operated by Westpac Banking Corporation. Third-party services are provided by parties other than H.E.S.T. Australia Ltd and terms and conditions apply. H.E.S.T. Australia Ltd does not recommend, endorse or accept any responsibility for the products and services offered by third parties or any liability for any loss or damage incurred as a result of services provided by third parties. You should exercise your own judgment about the products and services being offered. Before making a decision about HESTA products you should read the relevant Product Disclosure Statement (call 1800 813 327 or visit hesta.com.au for a copy), and consider any relevant risks (hesta.com.au/understandingrisk).

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