For benefits-HR
Benefits-HR teams explain fund choices, contribution mechanics, and member communications inside the employer. This gate emphasises plain-language cost and disclosure topics — always secondary to the fund’s own member booklets and rules.
When HR prepares induction or mid-career education sessions, label every illustrative number as hypothetical unless it is copied from the fund’s current disclosure. Benefits Desk does not publish official fund fee tables.
For questions that touch advice (product selection, switching, tax optimisation), route employees to licensed advisers or the fund’s appointed channels — not to this education desk.