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The administration fee is deducted from investment earnings monthly before the earnings are applied to members' accounts.

All members pay investment fees and indirect costs (where applicable) and these are deducted from investment returns before they are applied to your accounts.

Dow meets the cost of basic death and total and permanent disablement insurance benefits for eligible employee members.

Some fees are charged on a user pays basis as noted below. Fees that are deducted from your accounts may include:

  • any transaction handling fees such as exit fees and activity fees;
  • the cost of any extra voluntary insurance you take out;
  • a switching fee applies if you change your investment choice more than once each calendar year.

You should refer to the Fees and Tax Sheet for details of current fees that apply.

the Fees and Tax Sheet

the Fee Defintions leaflet

Fees and Tax Sheet (Pensioners)