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Jo Yuen  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
Skillsandexpertise
In today’s crowded marketplace it is imperative
that your communications stand out from the
crowd. Good design is more than ‘pretty pictures’,
it’s the face your company presents to the world –
and first impressions count.
I have over 20 years of experience in design
gained in premier design consultancies both
in Australia and the UK, and can offer the
personalised attention your business deserves.
Whether your project is large or small, I can
help you maximise your impact and minimise
your budget.
I offer expert advice on design, strategy,
marketing and more, with a dedication to finding
the right solution for each and every client. I take
your project from initial brief through creating
concepts tailor made to suit the project, design
layout, artwork and print supervision.
Creative design concepts and strategic
thinking with particular expertise in:
•	 Brochures and corporate literature
•	 Corporate identity and branding (including
logo design and writing corporate guidelines)
•	 Annual report design
•	 Digital design including web banners and tiles
•	 Website design (including working with
developers and WordPress)
•	 UX strategy and planning
•	 Newsletters
•	 Press advertising
•	 Financial statements
•	 Art direction of photo shoots (including
liaising with photographers, stylists and
model casting)
•	 Magazines
•	 Book design
•	 Copy writing and proof reading.
Superior management and pre-press
skills including:
•	 The ability to take a project from initial client
brief, through concept design, art direction,
typography, artwork and print
•	 Project management, client liaison and
print supervision
•	 Mentoring and supervising junior members
of staff.
JoYuenPortfolio
Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
Brandingdesign
FirstStateSuper First State Super are an Industry
Superannuation Fund and as such are
tightly regulated in terms of what they
can and can’t say. This brochure template
was part of a redesign project to promote
the transition stage of First State Super
merging with HealthSuper, so the design
was carefully created to integrate
elements of both companies’ brand
identities in a unified concept. I designed
templates for booklets, fact sheets, forms,
flyers and financial documents as part of
this project.
I also wrote and compiled the corporate
guidelines to ensure consistent
implementation of the new identity.
After a transition period, the twin funds
were rebranded again to be wholly under
the First State Super banner.
Booklet heading
Subheading to go here
Issued by FSS Trustee Corporation ABN 11 118 202 672 AFSL 293340, Trustee of the First State Super Superannuation Scheme
Superannuation Product Identification Number (SPIN) FSS 0100AU, Level 16, 83 Clarence Street, Sydney NSW 2000
Prepared 1 July 2012
Subhead 1
Under a salary sacrifice arrangement, you ask your
employer to pay some of your gross salary directly into
your super account. This is in addition to the compulsory
superannuation guarantee (SG) amount your employer is
required to contribute for you.
Subhead 2
Because you’re making contributions before income tax is
paid, salary sacrificing can be a tax-effective way to boost
your super.
f Bullet text to go here, text to go here.
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here, text to go here.
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here, text to go here. Bullet text to go here, text to go
here. Bullet text to go here, text to go here.
f Bullet text to go here, text to go here.
So not only does salary sacrifice increase your super savings,
it could also reduce your assessable income and potentially
your tax bill.
Am I eligible to salary sacrifice?
All members of First State Super, the State Authorities
Superannuation Scheme, the State Superannuation Scheme
and the Police Superannuation Scheme can make salary
sacrifice contributions to First State Super if it is allowed
under their employment conditions. Please check with
your human resources or payroll area to confirm that salary
sacrifice arrangements are available.
Are there any fees?
First State Super does not charge any additional fees if you
make salary sacrifice or after-tax contributions. However, you
may be charged an administration fee under your employer’s
arrangements. You should contact your human resources
or payroll area and ask if an additional administration fee
is charged.
For more information about fees, see the
Member Booklet Supplement: Fees
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nobisqu untiae volenia dolor aut poritia nectur? Quid modionse conserunt versperi ut oditas
velitas qui si cum fuga. Enis ut qui nus, omnis imagnat qui di volorume vollanit et aceaque.
Investing your super
Are there limits?
Yes. There are limits on the amount of money you can put
into super and receive tax concessions. See our fact sheet
Caps, tax rates and thresholds. Salary sacrifice contributions
are defined as ‘concessional contributions’ and the limit.
You should contact your human resources or payroll area
and ask if an additional administration fee is charged. You
should contact your human resources or payroll area and ask
if an additional administration fee is charged.
n 23.0% Australian Equities
n 20.5% International Equities
n 2.5% Alternative Assets
n 4.0% Property Assets
n 25.0% Fixed Interest
n 25.0% Cash
Graph title
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here, text to go here. Disclaimer text to go here, text to go here.
Caption A Caption CCaption B
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to go here. Disclaimer text to go here, text to go here.
10 First State Super | Health Super
Type of Fee or Cost Amount How and when paid
Fees when your money moves in or out of the Fund
Establishment fee:
The fee to open your investment.
Nil. The Fund does not charge an establishment fee.
Contribution fee:
The fee on each amount contributed
to your investment – either by you or
your employer.
Nil. The Fund does not charge a contribution fee.
Withdrawal fee:
The fee on each amount you take out
of your investment.
$36 Deducted from your account each time a benefit is withdrawn, for
spouse contribution splits if your spouse’s account is with another
fund and for payments to the ATO.
Termination fee:
The fee charged to close your
investment.
Nil. The Fund does not charge a termination fee.
Subhead 1
Am I eligible to salary sacrifice?
All members of First State Super, the State Authorities
Superannuation Scheme, the State Superannuation Scheme
and the Police Superannuation Scheme can make salary
under their employment conditions. Please check with
your human resources or payroll area to confirm that salary
sacrifice arrangements are available.
Are there any fees?
First State Super does not charge any additional fees if you
make salary sacrifice or after-tax contributions. However, you
may be charged an administration fee under your employer’s
arrangements. You should contact your human resources
or payroll area and ask if an additional administration fee
is charged.
Subhead 2
Because you’re making contributions before income tax is
paid, salary sacrificing can be a tax-effective way to boost
your super.
For more information about salary sacrifice
visit www.firststatesuper.com.au or call
our Customer service on 1300 650 873.
www.firststatesuper.com.au | 1300 650 873 11
f Bullet text to go here, text to go here.
f Bullet text to go here, text to go here. Bullet text to go
here, text to go here.
Are there limits?
Yes. There are limits on the amount of money you can put
into super and receive tax concessions. See our fact sheet
Caps, tax rates and thresholds. Salary sacrifice contributions
are defined as ‘concessional contributions’ and the limit.
You should contact your human resources or payroll area
and ask if an additional administration fee is charged. You
should contact your human resources or payroll area and ask
if an additional administration fee is charged.
Salary sacrificing
can be a tax-
effective way to
boost your super.
Subhead 1
Under a salary sacrifice arrangement, you ask your
employer to pay some of your gross salary directly into
your super account. This is in addition to the compulsory
superannuation guarantee (SG) amount your employer is
required to contribute for you.
Subhead 2
Because you’re making contributions before income tax is
paid, salary sacrificing can be a tax-effective way to boost
your super.
f Bullet text to go here, text to go here.
f Bullet text to go here, text to go here. Bullet text to go
here, text to go here.
f Bullet text to go here, text to go here. Bullet text to go
here, text to go here. Bullet text to go here, text to go
here. Bullet text to go here, text to go here.
f Bullet text to go here, text to go here.
So not only does salary sacrifice increase your super
savings, it could also reduce your assessable income and
potentially your tax bill. Please check with your human
resources or payroll area to confirm that salary sacrifice
arrangements are available.
Are there any fees?
First State Super does not charge any additional fees if you
make salary sacrifice or after-tax contributions. However, you
may be charged an administration fee under your employer’s
arrangements. You should contact your human resources
or payroll area and ask if an additional administration fee
is charged. Please check with your human resources or
payroll area to confirm that salary sacrifice arrangements are
available.
Are there limits?
Yes. There are limits on the amount of money you can put
into super and receive tax concessions. See our fact sheet
Caps, tax rates and thresholds. Salary sacrifice contributions
are defined as ‘concessional contributions’ and the limit.
Please check with your human resources or payroll area to
confirm that salary sacrifice arrangements are available.
You should contact your human resources or payroll area
and ask if an additional administration fee is charged. You
should contact your human resources or payroll area and
ask if an additional administration fee is charged. You should
contact your human resources or payroll area and ask if an
additional administration fee is charged.
Am I eligible to salary sacrifice?
All members of First State Super, the State Authorities
Superannuation Scheme, the State Superannuation Scheme
and the Police Superannuation Scheme can make salary
sacrifice contributions to First State Super if it is allowed
under their employment conditions.
Subhead 2
Because you’re making contributions before income tax is
paid, salary sacrificing can be a tax-effective way to boost
your super.
First State Super does not charge any additional fees if you
make salary sacrifice or after-tax contributions. However, you
may be charged an administration fee under your employer’s
arrangements. You should contact your human resources
or payroll area and ask if an additional administration fee
is charged.
For more information about fees, see the
Member Booklet Supplement: Fees
12 First State Super | Health Super
Investing your super continued
Salary sacrificing
can be a tax-
effective way to
boost your super.
Type of Fee or Cost Amount How and when paid
Fees when your money moves in or out of the Fund
Establishment fee:
The fee to open your investment.
Nil. The Fund does not charge an establishment fee.
Contribution fee:
The fee on each amount
contributed to your investment –
either by you or your employer.
Nil. The Fund does not charge a contribution fee.
Withdrawal fee:
The fee on each amount you take
out of your investment.
$36 Deducted from your account each time a benefit
is withdrawn, for spouse contribution splits if your
spouse’s account is with another fund and for
payments to the ATO.
Termination fee:
The fee charged to close your
investment.
Nil. The Fund does not charge a termination fee.
Subhead 1
Am I eligible to salary sacrifice?
All members of First State Super, the State Authorities
Superannuation Scheme, the State Superannuation Scheme
and the Police Superannuation Scheme can make salary
under their employment conditions. Please check with
your human resources or payroll area to confirm that salary
sacrifice arrangements are available.
Are there any fees?
First State Super does not charge any additional fees if you
make salary sacrifice or after-tax contributions. However, you
may be charged an administration fee under your employer’s
arrangements.
f Bullet text to go here, text to go here. Bullet text to go
here, text to go here.
f Bullet text to go here, text to go here. Bullet text to go
here, text to go here. Bullet text to go here,
Are there limits?
Yes. There are limits on the amount of money you can
put into super and receive tax concessions. See our fact
sheet Caps, tax rates and thresholds. Salary sacrifice
contributions are defined as ‘concessional contributions’
and the limit.
Are there any fees?
First State Super does not charge any additional fees
if you make salary sacrifice or after-tax contributions.
However, you may be charged an administration fee under
your employer’s arrangements. You should contact your
human resources or payroll area and ask if an additional
administration fee is charged. Please check with your
human resources or payroll area to confirm that salary
sacrifice arrangements are available.
For more information about salary sacrifice
visit www.firststatesuper.com.au or call
our Customer service on 1300 650 873.
www.firststatesuper.com.au | 1300 650 873 13
Pull out heading
Pull out text. All members of First State Super, the State Authorities Superannuation Scheme, the
State Superannuation Scheme and the Police Superannuation Scheme can make salary under
their employment conditions. Please check with your human resources or payroll area to confirm
that salary sacrifice arrangements are available. For more information about salary sacrifice visit
www.firststatesuper.com.au
Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
Corporatecommunications
FirstStateSuper After a transition period, the First
State Super and HealthSuper co-brand
was changed to a First State Super
overarching brand. Part of this new look
was this bi-annual newsletter which
keeps members up to date on important
information about their super. Each issue
is different and uses a combination of
financial data, personal interest stories,
infographics and new information to
inform members.
Investment
commentary
How much
super do you
really
need
Your questions
answered
Are you
in control of your
super future?
Our response to
climate
change
superNEWS
February 2016
firststatesuper.com.au | 1300 650 873
It’s been an interesting period for
markets with the slowdown in China,
Greek debt negotiations, a lower
Aussie dollar, ongoing low interest
rates and rising house prices
supernews
September 2015
An eventful
timefor
markets
w
In this issue... A pretty good year for returns | Window to the future
Why ‘smart beta’ is a smart strategy | Your fund in the community
The reality is that most
Australians – including most
of those starting out in the
workforce today – will not
retire with the equivalent
of $1 million in super. We
need to stop focusing on the
needs of a privileged few
and start talking about how
relatively small balances of
super can still make a big
difference to the quality of
life in retirement.
– Tom Garcia, AIST
A million dollars?
Not so long ago, that figure was a beacon
for anyone seeking financial independence.
A millionaire, so it seemed, wouldn’t have a
financial worry in the world. But for most, it
was something of an impossible dream. Yet
more recently, far from being unattainable, we
find a growing body of opinion claiming that a
million dollars is the minimum you’ll need for
a decent retirement and even that would need
to be cleverly managed to sustain a reasonable
standard of living into your eighties.
But consider this: it is estimated that today,
less than five in every 1,000 Australians
hold more than $1 million in super1
. Most
people never see anything like that figure.
The majority of Australians approaching
retirement (60 to 65-year-olds) can expect
payouts of around $100,0001
.
That number will grow, of course, as the
compulsory superannuation guarantee
introduced in 1992 has a greater impact on
account balances. But even looking ahead to
a time when Australians have had compulsory
super for their entire working life, million
dollar nest eggs probably won’t be common.
In fact, according to the Australian Institute
of Superannuation Trustees (AIST), the
average super payout in 2050 will be around
$500,000 in today’s dollars1
.
But that’s a long way off. In the meantime,
how do we make sense of this talk of a
million dollar minimum when the average
payout today is only around $100,000?
Well, for a start, those in the million-dollar
camp often overlook the fact that super is
only one of three pillars of our retirement
income system. Most people will use their
super in conjunction with the age pension
and savings outside super to deliver a
reasonable retirement lifestyle.
But what’s reasonable? And how much
do you need to fund a reasonable
retirement lifestyle? The Association of
Superannuation Funds of Australia (ASFA)
provides a useful guide. ASFA’s quarterly
Retirement Standard estimates the
annual budget needed to fund either a
‘comfortable’ or ‘modest’ standard of living
in the post-work years.
Single Couple (total)
Age pension
only2
$22,542 pa $33,982 pa
ASFA’s Modest
lifestyle3 $23,695 pa $34,090 pa
ASFA’s
Comfortable
lifestyle3
$42,962 pa $58,915 pa
How much super
What is considered a modest and
comfortable retirement lifestyle for retirees?
A modest retirement lifestyle is considered better than the age pension
lifestyle, but still only includes fairly basic activities.
A comfortable retirement lifestyle enables an older, healthy retiree to
be involved in a broad range of leisure and recreational activities and to
have a good standard of living through the purchase of such things as
household goods, private health insurance, a reasonable car, good
clothes, a range of electronic equipment, and domestic and
occasionally international holiday travel.
Both budgets assume that the retirees own their own home outright and
are relatively healthy.
The ASFA Retirement Standard website at superannuation.asn.au/resources/retirement-standard/
has full details of the budgeted expense items used to define ‘modest’ and ‘comfortable’ lifestyles.
6
SuperNews | February 2016
A window to the future
Released every five years, the IGR assesses
the long-term sustainability of current
policies designed to help government
manage its resources and improve our
living standards. The IGR also offers some
useful insights for your retirement planning.
Opportunities and challenges
Over the next 40 years, Australia faces
a growing and ageing population, fewer
people of working age, rising costs for
health services, and a budget coming under
increasing pressure. These demographic
trends also suggest slower economic
growth and lower national income.
How will the workplace change?
According to the report, the number of
people working (the participation rate) will
fall slightly as our population ages. More
women will be working, although still at
a rate below other advanced economies.
The percentage of workers aged 65 plus
will grow and there will be half as many
workers under 65 for every person 65 and
over. Our economy is expected to expand
at an annual average of 2.8% over the next
40 years compared to 3.1% for the past
four decades.
If you’re wondering what Australia might be like 40 years down the track, the
government’s fourth Intergenerational	Report (IGR) released in March this year will
give you some insights. The report provides a snapshot of Australia in 2055 including
projections for population, workforce participation and productivity.
Whatdoesthismeanforsupersavers?
Superannuation plays a key role in boosting
retirement incomes and reducing reliance on
the age pension. Compulsory super is currently
9.5% of salary, and is scheduled to rise to 12%
by 2026, helping ease some of the pressure on
the age pension.
The report has a number of implications for
retirement planning. Firstly, it’s possible that
you’ll be retiring a little later in life than the
current generation. This means planning for a
longer stay in the workforce, and it also means
that you can take advantage of additional years
of compulsory super contributions.
Secondly, with people living and staying active
for much longer, you’ll need to take measures
to help your super savings last the distance.
Thirdly, with the cost of health and related
services expected to increase markedly, it’s
possible that savers will be required to help
offset some of these expenses, especially if the
projected growth in average salaries eventuates.
Finally, the big shifts identified in the report –
notably the projected pressure on government
income and increases in its spending – suggest
that we will have to take greater responsibility
for funding our own retirement and rely less on
the age pension.
What will we look
like by 2055?
5 Australia’s population will be
around 40 million
5 We’re living longer, which will
increase demand for health
and aged care services
5 There’ll be half as many
young workers for each
worker 65+, which means
fewer taxpayers
5 The workplace will feature
more women and mature age
workers
5 Our economy will grow at a
slightly slower rate
Key points
5 The SG rate will rise to 12%
of salary on 1 July 2025
5 Qualifying age for the
pension is likely to rise so
plan for a longer stay in the
workforce
5 With people living longer,
it’s a good idea to get advice
on stretching your savings
further
To read the full report, go to treasury.gov.au/PublicationsAndMedia/
Publications/2015/2015-Intergenerational-Report
A few extra dollars into super could make a big difference
One simple way to boost your super savings and future retirement income is to put a bit extra into super. And if
you	make	these	extra	contributions	from	your	before-tax	salary	(called	salary	sacrificing)	you	could	also	reduce	
your tax. Call us if you would like to talk to one of our experts about the best contribution strategy for you.
6
SuperNews | September 2015
A median income earner can expect a retirement income equivalent
to about 79% of their pre-retirement income or take-home pay.
According to ASFA, a retiring couple
would need a superannuation balance
of $640,000 to maintain a comfortable
expenditure level of $58,915 per year in
retirement3
.
For the many people with a lower
super balance, a realistic target might
be something between modest and
comfortable.
The good news is that even a
small super balance can improve
your retirement lifestyle.
AIST estimates that the combination of age
pension and an income stream taken even
from a relatively modest super balance of
$100,000 could boost your weekly income
by $110, enough to meet the modest
retirement standard.
Bear in mind that the
relationship between
the age pension and your super
is complicated. If you have any
questions, or you would like
one of our financial planners to
review your personal situation,
call us on 1300 650 873 or visit
firststatesuper.com.au/advice to
make an appointment.4
really need?doyousuper
A balance of $150,000 would generate a
weekly income of about $163, according
to AIST’s calculations. Or $330 per
fortnight. That’s 38% more than the age
pension alone1
.
The fundamental point of AIST’s Super
Reality Check report was that, if you’ve
got a low super balance, there’s no need
to be down about it.
That’s not to say you shouldn’t do
everything you can to maximise your
retirement wealth. But don’t feel
demoralised if a million dollar nest egg
is out of reach. A smaller balance can
still make a big difference, and every
little bit extra that you put away will help
supplement the age pension and fund a
better lifestyle in retirement.
1
Super Reality Check AIST August 2015
2
Includes pension supplement and Clean
Energy Supplement as at September 2015
3
ASFA Retirement Standard September 2015
The age
pension plays a
significant role in
supplementing the
retirement income
for many retirees.
Compulsory superannuation guarantee
(SG) was introduced in 1992.
It began at a rate of 3% of wages, rising to
9% in 2003 and recently to 9.5%.
Balance that a full-time worker on median wages from 1992-2014 could expect
to have in super based on compulsory super guarantee contributions alone.
$95,000 Many people on lower wages (which, by definition is half the working population)
or who have spent time out of the workforce in the last 23 years will have less.
3%
9%
9.5%This means that
during this period,
the average SG
rate has been
about 7.5%
79%
4
Financial planning advice is provided by First State Super Financial Services Pty Ltd ABN 37 096 452 318, AFSL 240019.
7
firststatesuper.com.au | Call 1300 650 873 | Email enquiries@firststatesuper.com.au
A window to the future
Average annual
real GDP growth %
Debt/Surplus
Health spending
3.1%
2.8%
Debt 15.2% of GDP
4.2% of GDP
($2,830 per person)
5.5% of GDP
($6,460 per person)
Projected surplus 0.5%
Headcount
Median age
Life expectancy
36.8years 40.4years
91.5 93.6 95.1 96.6
23.8m 39.7m
Average income
Participation rate
Women aged
15-64 in work
$66,400 $117,300
All 64.6%
12.9%65+
All 62.4%
17.3%65+
66%
70%
Number of people aged
between 15 and 64 for
every person aged 65
Age 65+
Age 85+
Age 100+
4.5
3,600,000
500,000
5,000
2.7
8,900,000
2,000,000
40,000
The ageing
population
Today 2055
Workforce
Population
Economy
Australia in 2055
Source: treasury.gov.au/PublicationsAndMedia/Publications/2015/2015-Intergenerational-Report
(last 40 years) (next 40 years)
7
firststatesuper.com.au | Call 1300 650 873 | Email enquiries@firststatesuper.com.au
Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
Corporatecommunications
QantasSuper For QantasSuper I’ve worked on a wide
variety of projects including this Member
Guide Supplement which is designed to
inform members about their investments.
Division 6 - Qantas Member Guide Supplement 1
Member Guide Supplement
Contents
1. About Qantas Super Division 6................3
2. how super works.............................................4
Contributions and rollovers........................4
Building your benefits...................................8
Leaving Service Benefits.............................9
Accessing your benefits.........................10
Leaving the Plan............................................ 13
3. benefits of investing with
Qantas Super Division 6.............................17
4. risks of super.................................................. 18
Risk and return............................................... 18
5. how we invest your money.....................21
Investment options.....................................21
MIC Options........................................................21
Term Deposit Option................................... 24
Your options in detail.........................................26
Qantas Superannuation Plan
6. Fees and costs.............................................. 29
Additional explanation
of fees and costs......................................... 30
The cost of managing
your investment.............................................. 31
7. how super is taxed...................................33
8. insurance in your super...........................35
Standard Insurance Cover .....................35
Additional Voluntary
Insurance Cover.............................................37
9. how to open an account........................38
10.other information..................................39
Definitions...........................................................41
Contacting us................................................. 44
DiviSion
6
issued 3 December 2012
2 Division 6 - Qantas Member Guide Supplement
Welcome
Introduction
The information in this document forms part of,
and should be read together with, the Division 6
Member Guide – Product Disclosure Statement
(PDS) for the Qantas Superannuation Plan issued
on 3 December 2012.
Please read it carefully and keep it with your
personal financial documents. Each year you
will receive a Benefit Statement, which will
show details of your transactions and current
benefit entitlements. In addition, the Trustee
also publishes an annual report on the website
www.qantassuper.com.au to supplement the
information provided on your Benefit Statement.
Note: We may update this supplement from time
to time. For the latest version, please check the
website www.qantassuper.com.au. You can
request a paper copy of updated information
at any time free of charge.
This Member Guide Supplement is not financial
product advice and does not take into account
your objectives, financial situation or needs. This
Supplement is not intended to take the place of
a licensed financial adviser who understands
your objectives, financial situation and needs.
The Trustee recommends that before acting on any
information contained in this document, you seek
financial advice from a licensed financial adviser
that is tailored to your personal circumstances. The
definitions that are used in this document are stated
on pages 41 and 42.
Tip: Keep all your super-related material
together for future reference.
Trustee
Qantas Superannuation Limited
ABN 47 003 806 960 (QSl or Trustee)
as Trustee holds the following licences:
■■ a Registrable Superannuation Entity (RSE)
licence which allows the Trustee to be the
trustee of the Qantas Superannuation Plan,
(Qantas Super or Plan) (ABN 41 272 198 829); and
■■ an Australian Financial Services Licence (AFSl),
which allows the Trustee to provide general
superannuation product advice.
The Trustee will provide you with information
regarding significant events impacting the Plan,
including events that may have an adverse effect
on your benefits.
This Member Guide Supplement is designed to provide you with details about
your benefits and entitlements and to describe the features of the division
including the options available to you.
Welcome to Division 6 of the Qantas
Superannuation Plan. Division 6 was
established to provide you with a flexible
plan to accumulate wealth for retirement.
Division 6 - Qantas Member Guide Supplement 3
Qantas Super is one of Australia’s largest
corporate super funds, with more than 33,000
members and almost $6 billion in assets. Qantas
Super is for current and former employees of the
Company (defined as Qantas Airways Limited
and associated employers) and their spouses.
We focus on delivering strong investment
returns, and a range of valuable benefits and
services for our members.
Eligibility for membership
To be eligible to join Division 6 of the Plan, you
must be an eligible employee of the Company.
Your employer will notify you if you are eligible.
Transfer offer
Existing employees of the Company who have
been offered a transfer from another division
of the Plan to Division 6 due to a promotion or
a transfer offer made by the Company are also
eligible to join Division 6.
Choice of fund
Choice of fund allows you to choose
the superannuation fund to which your
superannuation contributions are to be paid
by the Company. However, if your enterprise
agreement selects a superannuation fund, the
Company will make superannuation contributions
for you to that superannuation fund.
Where your enterprise agreement selects the
Plan as the superannuation fund, you will
automatically be admitted as a member of
the Plan.
1 AbouT QAnTAS SuPer DiviSion 6
Focused on delivering
strong investment
returns for members
The Company has selected the Plan as
the default superannuation fund. If you do
not select a superannuation fund prior to
commencing employment with the Company,
you will also be automatically admitted as a
member of the Plan until you choose to select
another superannuation fund.
If you choose a superannuation fund other than
the Plan, you may (if permitted by Company
policy) also join Division 6 at a later date.
Spouse account
While you are a member of Division 6 you may
establish an account for an eligible spouse.
Information on Spouse Accounts is contained
in the Division 11 Member Guide (Product
Disclosure Statement), available on our website
www.qantassuper.com.au.
26 Division 6 - Qantas Member Guide Supplement
100% Risk controlling assets
100% Cash
25% Return seeking assets
8% Australian shares
10% International shares
2% Private equity
5% Return seeking alternatives
75% Risk controlling assets
10% Risk diversifying alternatives
65% Fixed interest and Cash
overview
For investors who want exposure to cash and
short-term money market returns. The risk of
negative returns is very low. The returns are
stable but usually low.
Investment return objective
■■ To achieve a return equal to the UBSA
Bank Bill Index, after tax and investment
expenses, over a rolling one year period.
■■ To never achieve a negative annual return.
Characteristics
By investing in cash and the short-term money
market, the Cash Option provides access to
stable, but usually low, returns. As a result, the
risk of negative returns is negligible:
■■ Expected average net return 3.8% p.a.
■■ Standard deviation 0.8%.
■■ Probability of negative annual return 0.0%.
Minimum suggested time to invest
No minimum time applicable.
Risk level
The investments have a very low degree of risk.
The estimated number of negative annual
returns over any 20 year period is 0.
overview
For investors who want stable, modest returns, with a
relatively low to medium likelihood of negative returns.
Investment return objective
■■ To achieve a return that exceeds CPI by at
least 3.0% p.a. over a 3 year period, after tax
and investment fees.
■■ To outperform the notional return on the
benchmark portfolio.
■■ To limit the likelihood of a negative annual
return to 1 in 20 (or 5%).
Characteristics
A large proportion of the Conservative Option is
invested in risk controlling assets, resulting in stable,
modest returns, with a relatively low likelihood of
negative returns. The small allocation to return seeking
assets provides some growth opportunities.
■■ Expected average net return 5.5% p.a.
■■ Standard deviation 4.3%.
■■ Probability of negative annual return 6.7%.
Minimum suggested time to invest
3 years.
Risk level
The investments have a low to medium degree
of risk.
The estimated number of negative annual returns
over any 20 year period is 1.1.
Simulated history
The diagram below illustrates a 10 year history of
the Cash Option, simulated from the returns of the
dominant asset class indexes, net of estimated
tax and fees. From 1 April 2005 actual CIRs for this
option are used.
Simulated history
The diagram below illustrates a 10 year history
of the Conservative Option, simulated from the
returns of the dominant asset class indexes, net
of estimated tax and fees. From 1 April 2005 actual
CIRs for this option are used.
Cash option Conservative option
-15%
-10%
-5%
0%
5%
10%
15%
20%
2002 2003 2004 2005 2006 2007 2008 2009 2010 2011
4.0 4.3 4.5 4.7 4.5 5.1 5.8
Highest
4.2 3.2
Lowest
4.2
-15
-10
-5
0
5
10
15
20
2002 2003 2004 2005 2006 2007 2008
2009
2010 2011
2.3
5.5 6.4
10.2
Highest
6.4 7.3
1.2
-0.6
Lowest
7.5 6.9
Your options in detail
Very Low Low Very HighHighMedium Very Low Low Very HighHighMedium
The simulations shown in these graphs for periods prior to 1 April 2005 are based on theoretical portfolios
invested in index products, net of 15% tax. Investment performance can go up and down. Past performance
and simulations of this type may not be a reliable indicator of future performance.
Division 6 - Qantas Member Guide Supplement 27
50% Return seeking assets
16% Australian shares
20% International shares
4% Private equity
10% Return seeking alternatives
50% Risk controlling assets
10% Risk diversifying alternatives
40% Fixed interest and Cash
70% Return seeking assets
20% Australian shares
25% International shares
5% Private equity
20% Return seeking alternatives
30% Risk controlling assets
10% Risk diversifying alternatives
20% Fixed interest and Cash
overview
For investors who want a return above CPI over a
5-year period, with a medium degree of risk.
Investment return objective
■■ To achieve a return that exceeds CPI by at
least 3.5% p.a. over a 5 year period, after tax
and investment fees.
■■ To outperform the notional return on the
benchmark portfolio.
■■ To limit the likelihood of a negative annual
return of 3 in 20 (or 15%).
Characteristics
The Balanced Option provides a mix of asset
classes, combining the growth features of the
return seeking assets with the stability of the risk
controlling assets.
■■ Expected average net return 6.9% p.a.
■■ Standard deviation 8.0%.
■■ Probability of negative annual return 14.7%.
Minimum suggested time to invest
5 years.
Risk level
There may be short-term medium-term volatility
in these asset classes, as the investments have a
medium degree of risk.
The estimated number of negative annual returns
over any 20 year period is 2.9.
overview
For investors who want a high return above CPI
over a 5-year period, with a medium to high
degree of risk.
Investment return objective
■■ To achieve a return that exceeds CPI by at
least 4.0% p.a. over a five year period, after
tax and investment fees.
■■ To outperform the notional return on the
benchmark portfolio.
■■ To limit the likelihood of a negative annual
return to 4 years in every 20 years (20%).
Characteristics
The Growth Option is dominated by return
seeking assets, although a small proportion of risk
controlling assets are held.
■■ Expected average net return 7.9% p.a.
■■ Standard deviation 10.9%.
■■ Probability of a negative annual return 18.8%.
Minimum suggested time to invest
5 years.
Risk level
There may be short-term medium-term volatility
in these asset classes, as the investment has a
medium to high degree of risk.
The estimated number of negative annual returns
over any 20 year period is 3.5.
Simulated history
The diagram below illustrates a 10 year history of
the Balanced Option, simulated from the returns of
the dominant asset class indexes, net of estimated
tax and fees. From 1 April 2005 actual CIRs for this
option are used.
Simulated history
The diagram below illustrates a 10 year history of
the Growth Option, simulated from the returns of the
dominant asset class indexes, net of estimated tax
and fees. From 1 April 2005 actual CIRs for this option
are used.
Balanced option Growth option
-15
-10
-5
0
5
10
15
20
2002
2003 2004 2005 2006 2007
2008 2009
2010 2011
-1.6
1.9
11.1
12.3
Highest
10.9
12.0
-2.6
-6.4
Lowest
8.6 8.9
-15
-10
-5
0
5
10
15
20
2002 2003
2004 2005 2006 2007
2008 2009
2010 2011
-4.6
-1.1
14.7 14.0 14.7
15.9
Highest
-6.0
-11.3
Lowest
8.8
10.2
Very Low Low Very HighHighMedium Very Low Low Very HighHighMedium
The simulations shown in these graphs for periods prior to 1 April 2005 are based on theoretical portfolios
invested in index products, net of 15% tax. Investment performance can go up and down. Past performance
and simulations of this type may not be a reliable indicator of future performance.
Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
Corporatecommunications
QantasSuper
PASSPORT
What’s your
destination?
It’s easy to get overwhelmed by the idea
of planning your retirement by yourself.
It seems like there’s so much to organize
and so much to do. The great news is you
are not alone. In Qantas Super, you have a
retirement travel partner who is an expert.
As the default superannuation fund for most Australian-
based employees of the Qantas Group, we’ve been
looking after members’ retirement savings since 1939.
With more than 32,000 members and about $7 billion in
assets, Qantas Super is now one of Australia’s largest
corporate super funds.
INVESTMENTS
How to plan your
trip in 6 easy steps
Gateway is our flagship solution
designed to provide a first class entry to
your retirement destination. Retirement
may be the trip of your lifetime and we have
designed Gateway to look after you for the
whole of your life.
Following are some of the best tips
we recommend to help plan your
retirement trip:
Gateway
WHAT’S YOUR
RETIREMENT
DESTINATION?
Qantas
Gateway
Ok, so this sounds familiar, right? You’re used to
juggling dates and times, but what if you had to choose
the most suitable airline as well?
With investing, like finding a flight deal, the trick is to do your research
to hunt down the solution that works best for you.
In Qantas Gateway, you have a range of investment options giving
you the flexibility you need to reach your desired destination. The key
to investing is starting early and picking the option(s) that best meet
your needs.
You can choose to invest in one or a mix of investment options in
Qantas Super:
■■ Glidepath – we’ll do the work for you. This option is designed
to provide a greater opportunity for growth in your super early
in your career and then reduce your exposure to higher risk
investments as you near your retirement age. In this option, your
super will be automatically invested in one of Glidepath’s four
investment stages as your age changes – Take-off, Altitude,
Cruising and Destination. This option is also the MySuper product
and default option for Gateway members who have not made an
investment choice.
■■ Other options. You can also choose from a range of other options
including Cash, Conservative, Balanced, Growth, Aggressive and
Term Deposit (conditions apply).
2 Book
your flight
PASSPORT
What’s your destination?
Still not sure which is the best deal?
Here’s some more detail on your investment options:
■■ Glidepath: An investment option designed to provide greater
exposure to growth assets early in your career and then to
automatically reduce your exposure to growth assets as you near
retirement.
■■ Cash: For investors who want exposure to cash and short-term
money market returns.
■■ Conservative: For investors with a time horizon of at least three
years, who want stable, modest returns, with a relatively low to
medium likelihood of negative returns.
■■ Balanced: For investors with a time horizon of at least five years,
who want an investment portfolio balanced between growth and
defensive assets, with a medium degree of risk.
■■ Growth: For investors with a time horizon of at least seven years,
who want to achieve high returns driven by a large exposure to
growth assets, with a medium to high degree of risk.
■■ Aggressive: For investors with a time horizon of at least 10 years,
who want an investment portfolio predominantly invested in
growth assets, with a medium to high degree of risk
■■ Term Deposit: This option is only available
for certain members.
Call to action to go here.
The QantasSuper passport was designed
to be a fun and tongue in cheek way to
communicate to members. I explored a
variety of options with the design of the
passport, with the client deciding to go for
the literal facsimile of a passport.
Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
UTS
Prospectus The Institute for Sustainable Futures is a
research department within UTS which
work with government, industry and other
research institutions to develop policy for
a more sustainable future. This prospectus
was designed to promote a new project
which they were seeking to secure
funding and co-operation from other
institutions.
Water for
australian
agriculture:
Securing local and
global food supplies:
Expression of interest
IntroductIon
the Minderoo Group has outlined a proposal for increasing agricultural
production in Australia, through the development of groundwater reserves.
this is an exciting and timely intervention in policy debate in Australia, and the university of
technology Sydney (utS) welcomes the initiative. We are delighted to respond with this overview
of our interests in, and capability for rising to this challenge. utS recognises the importance of
innovative solutions to the world’s problems, including global food security, and have a proud
tradition of approaching these problems in a practical, interdisciplinary and engaging way.
What We aim to do…
The University of Technology Sydney proposes
to engage with the Minderoo Group to generate
and apply new knowledge to an old problem,
namely, how best to use land, water and other
resources wisely to benefit Australia and the
world through improving food security?
We propose to address the key issues identified
by the Minderoo Group. Through this work, we
seek to:
■■ confirm the size and sustainability of
groundwater resources;
■■ investigate the most appropriate areas for
new agriculture development, including the
crop/plantation types most suited to the
environment;
■■ identify incentives required for the
agricultural industry to embrace new
agricultural development based on security
of water;
■■ research the most appropriate methods of
developing and transporting water given
the location and remoteness of many of the
sources;
■■ investigate cost-efficient energy sources
required to extract and distribute the water;
and
■■ quantify economic benefits on a local and
national level
Page 2 Water for Australian Agriculture: Expression of interest
HoW WE AIM to do It
We have identified a series of indicative “work packages” to drive these
solutions forward. these are illustrated below and could be conducted at
either a state or national level
Plan
■■ Conduct scoping study including, review of
stakeholders, data available, assessment of the
potential of “bright ideas” and knowledge gaps
➔Research plan
“What if” scenaRio Planning
■■ Conduct case studies to illustrate more detailed
analysis
■■ Stakeholder engagement in industry scenario
planning
■■ Synthesis of research and identification of
pathways to implementation
➔Roadmap report
situation analysis
■■ Identify the extent and sustainability of
groundwater (and surface water) resources
■■ Identify food security needs and markets
■■ Identify existing and potential agricultural areas,
and agricultural production and crop types
➔multi layer water-agricultural model
model layers
■■ Stakeholder governance
zones and boundaries
■■ Potential agricultural
areas (irrigation, non
irrigation, products &
crop type)
■■ Existing agricultural
areas (irrigation, non
irrigation, products &
crop type)
■■ Climate zones
■■ Soil type/nutrient
■■ Water quality
■■ Groundwater sources
(hydrogeology &
hydrology)
■■ Surface water sources
■■ Infrastructure
■■ Population zones
(nutrient hotspots)
■■ Topographical and
cadastral maps
Research
Individual “bright idea work packages” taken forward
at state and national scale
uts data aRena theatRe
“What if” agricultural scenarios
model
outPuts
■■ Demand
■■ Supply
■■ Options
■■ Costs
■■ Benefits
■■ Scenarios
WateR and agRicultuRal decision
suPPoRt system
■■ Identify the most appropriate options, combining
technical, economic and institutional solutions,
to support the development of new agricultural
initiatives
■■ Investigate innovative approaches to energy and
nutrient requirements
■■ Quantify economic costs and benefits of options
at local and national level
➔scenario planner component of model
Page 3 Water for Australian Agriculture: Expression of interest
integRated suPPly demand Planning – eveRy dRoP counts
decision-making fails if not all the options are on the table. developing and assessing multiple
solutions, multiple water sources and configurations and importantly including the demand-side
in the analysis can significantly reduce costs and impacts and increase flexibility.
Can Tho, Vietnam
Sanitation Options Study
– Australian Agency for
International Development
The Hague, Water
demand management
framework
Alexandria, Egypt, Integrated supply-demand planning
Madrid, Spain, Benchmarking for best
practice water demand management
US EPA Washington DC,
United States, Decentralised
water and sanitation
London, United Kingdom,
The International Demand
Management Framework -
International Water Association
Sydney, Alice Springs, Canberra,
Melbourne, Brisbane, Adelaide, Australia,
Water supply-demand planning and drought planning
Salalah, Sultanate of Oman,
Groundwater resource management
and planning
From the coastal city of Salalah in the Sultanate of Oman
and Alexandria in Egypt to the Greater Sydney Region
in New South Wales and Exmouth in Western Australia,
integrated supply demand planning for water has helped
planners and decision-makers to manage water resources
wisely and meet the challenges of extreme drought.
Integrated supply demand planning considers both
the supply and the demand side of the water sector, it
recognises that the water itself is just the means to an
end: growing food; maintaining healthy communities
and creating amenity. Meeting those needs can be
achieved through increasing supplies, and/ or it can be
met by improving the efficiency of use through smarter
methods, better equipment, alternate sources of water
or a combination of all of this. These planning methods
and associated models can point the way to dramatically
reduce costs and improve reliability by determining the
optimal mix of supply expansion, alternate supplies,
pricing, incentives and regulatory options, water efficiency
measures and smart systems.
The Institute for Sustainable Futures (ISF) at the
University of Technology Sydney is a world leader in
applying these methods of analysis, planning and
economic assessment, as well as implementation and
evaluation across Australia, and internationally. During
the Millennium Drought, the ISF team was sought after
to undertake applied research and advise governments
and utilities in all mainland states and territories. That
research ranged from emergency drought response
strategies for a number of government agencies, the
first application of real options analysis in Australia,
for the NSW Cabinet and design and analysis of major
campaigns, including for the Queensland Government.
The National Water Commission funded the ISF team
to develop guidelines for utilities and governments,
and to improve modeling methods using the Integrated
Supply Demand Planning (iSDP) model, developed by
ISF starting in 1997. Following the end of that drought
period, Australian interest in these planning methods has
reduced, and the ISF team is negotiating to apply them
internationally, in areas where drought is acute, including
California and Brazil. ISF staff wrote the International
Water Association manual on these planning methods,
funded by the Madrid water utility, Canal Isabel II.
These methods, and the application of water efficiency
and alternate sources, hold significant potential in
Australia, with much untapped potential for irrigated
agriculture and for the urban water sector. They have
been demonstrated to reduce capital and operating costs
and increase reliability. They are usually quicker to roll
out and have a greater employment intensity.
BrIGHt IdEAScontinued
Page 6 Water for Australian Agriculture: Expression of interest
life’s bottleneck – the stoRy of
PhosPhoRus
decisions and scenarios for large scale
“wicked” problems are too complex to use
traditional, linear decision-making methods:
new approaches, using visualisation, mapping,
scenario builders and stakeholder input are
essential.
Australia has developed its agricultural export industry on
the foundation of importing phosphorus from Nauru, and
more recently through substituting domestic production
for at least half of all demand for fertiliser. Decreasing
ore grades for phosphate rock, increasing concerns
about the negative impact of run-off from soils, and the
likelihood of future price increases all mean that a rethink
is needed of the future of phosphorus in Australia, and
globally. The current path for phosphorus use in the world,
and in Australia is not sustainable, due to the significant
levels of inefficiency, to the certainty of supply-demand
problems in the coming decades and the vulnerability to
potentially volatile markets. Without attention, this is likely
to form a major constraint to the expansion of agricultural
production, more so than land or water.
Moving towards a sustainable phosphorus future can
be achieved by reducing our dependence on imported
and domestic rock, by diversifying phosphorus sources
through investing in renewable phosphorus fertilisers,
increasing the efficiency of use throughout the system (not
just in agriculture) and maximising recovery and reuse
of phosphorus. These measures will also have positive
environmental impacts by reducing water pollution,
water demand, waste disposal to landfill and to energy
consumption.
Achieving such a scenario will require substantial changes
to the currently fragmented institutional arrangements
surrounding the food system. For example, developing new
partnerships and policies between the wastewater and
fertiliser sectors, identifying the barriers and putting in
place the enablers based on methods used internationally.
There is a need to build capacity within government,
industry and the research community and continue to
develop frameworks for dealing with the issue.
The ISF team has put this issue on the world map. In
2008, as the price of phosphorus was rising by 400%, it
co-founded the Global Phosphorus Research Initiative. In
2012, Dr Dana Cordell and Professor Stuart White were
awarded the Eureka Prize for Environmental Research
for their work on global phosphorus security.
BrIGHt IdEAScontinued
eneRgy oPtions foR
WateR secuRity – futuRe
diRections
Water provision is increasingly energy
intensive. conventional energy solutions
need to be supplemented with locally
appropriate renewable systems, energy
efficiency and peak demand management.
Australia ranks as having one of the richest
resources base for renewable energy in the world.
Take-up of renewable energy opportunities have
been significant in photovoltaics particularly at
the household scale, and in wind energy at the
transmission scale, especially in South Australia.
Solar thermal energy also has great long term
potential in Australia, especially in areas of high
DNI (direct normal irradiance – annual energy from
sunlight) such as inland areas, but is constrained by
the current higher cost.
Researchers at the Institute for Sustainable
Futures at the University of Technology Sydney have
been conducting research into new methods for
increasing the economic viability of solar thermal
power stations, through hybrid systems (combining
solar thermal plants with biomass or refuse derived
fuel) or through exploiting the potential for solar
thermal plants with molten salt storage to be
located near areas of constraint in the distribution
or transmission network. ISF carried out a major
study on the latter for ARENA and for the former
at the site of the Swanbank Power Station near
Ipswich in Queensland. These methods would be
ideally suited for proving electricity of treatment or
pumping, particularly in inland areas.
Page 7 Water for Australian Agriculture: Expression of interest
Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
AnnualReport
Thorn This design pitch was for Thorn – a
company best known for their Radio
Rentals brand, but who also provide short
term financial loan products. The concept
behind this design was to represent the
wide variety of products that Thorn offer
and how they can serve their customers.
2015 Shareholder Review
Building a diversified financial services
business For our customers
6 Thorn Group Shareholder Review Thorn Group Shareholder Review 7
Managing Director’s Report
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Financial Performance
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Business Renewal
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Equipment Finance, whitegoods to Rent, Try $1 Buy
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offers unsecured loans up to $15,000.
When rapid growth meant that
the company needed assistance
with its receivables management,
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effective solution.
Call centre manager
Tom finds his Thorn
branded smartphone
invaluable every day.
printers, copiers and other
equipment for the office expansion
were rented through Thorn
Equipment Finance, freeing up
cashflow for investment.
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NCML
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Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
Productbrochure
BetaViewWindows BetaView Windows needed a new product
brochure which could both promote the
quality of their products and services, while
also serving as a detailed catalogue of the
specifications of their products. I worked
closely with the Marketing Manager to
develop the structure and design of this
brochure which presents BetaView’s
products. The aim was to highlight the
quality of their build and design, while
also providing detailed information in a
“non‑pushy” way to help customers to
make a purchasing decision.
Create the ultimate entertaining area with an impressive design
If you are looking for an impressive window for kitchens and entertainment areas,
look no further than the Signature Bi-fold Window. Revealing to full-width when in
the open position, this design can be configured to open either left or right, or both
sides. Smooth movement is provided by a high performance roller system, giving an
effortless gliding action – an advantage noticed where openings are positioned over
worktops or sink areas. Panel widths can reach up to 900mm, allowing for least
interruption of views, where possible. Combine with a Bi-fold Door where a kitchen
leads to a deck or backyard for the ultimate entertaining area.
Technical Data
Frame depth 100mm
Max. height 2000mm
Max. panel width 900mm
Max. glass thickness 12.38mm (single
glazed), 22mm
(double glazed)
Max. bushfire attack level BAL 40
Contact us on 1300 44 64 44 to find out how we can help.
Key benefits
› Creates a full width opening
› Suits entertainment and
servery areas
› Excellent design feature
› Configurations to open left,
right or both sides
Have you considered?
Signature Sliding (Servery) Window?
Turn to page 16 to compare.
Colour Options
Please refer to the BetaView Colour
Options sheet
Upgrades
Glass options SmartGlass available
for improved comfort
Bushfire Attack Compliance
Available up to and including BAL 40
Modify existing openings with
our cut out/cut down service
Signature Bi-fold Window
20
Signaturerange
Create stylish living spaces between the interior and exterior
of your home
The 100mm Signature Bi-fold Door is the ideal lifestyle design. The contemporary
styling and gliding panels create an impressive feature in key living areas. Perfect
for homeowners who love to entertain, the useful single panel lead door (available
in three, five and seven panel configurations) also offers a practical entry point for
everyday access to the outdoors. A tried and tested design, the Signature Bi-fold
Door offers secure locking mechanisms for all panels as well as high performance
rollers for effortless operation.
Signature Bi-fold Door
Technical Data
Frame depth 100mm
Max. height 2450mm
Max. width 6500mm
Max. panel width 840mm
Max. glass thickness 12.38mm (single
glazed), 24mm
(double glazed)
Max. bushfire attack level BAL 40
Contact us on 1300 44 64 44 to find out how we can help.
Key benefits
› Ideal lifestyle choice for
the home
› Available with multiple panels
to suit various applications
› Lead door offers single panel
access for everyday use
› Great upgrade from a sliding/
stacking door
Have you considered?
Signature Stacker Door
Turn to page 22 to compare
Colour Options
Please refer to the BetaView Colour
Options sheet
Upgrades
Glass options Smart Glass for
improved comfort
Bushfire Attack Compliance
Available up to and including BAL 40
Modify existing openings with
our cut out/cut down service
21
Signaturerange
Step-up to the Signature range
for premium styling, a wider
selection of products and the
ability to effectively fill larger
openings. Those looking to
upgrade, renovate or build
new will find inspiring lifestyle
options in this range of modern
and impressive designs.
› More versatile and able to fill
larger openings
› Suitable for those looking to
achieve improved lifestyle options
› Premium styling and greater
framer depth
› Ideal for upgrades, renovations
and new-builds
› Enhanced performance and
capabilities
Signature range
Enhanced design capabilities and a deeper frame
for premium styling
We chose BetaView products and services based on both pricing and
professionalism. We contacted six different companies to have a good idea of
the market. BetaView were the best value and the most professional. Florence, Malabar
the
SUPPLY
INSTALLATION
experts 1300 44 64 44 | betaview.com.au
Product Brochure
Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
1990s
Yehudi Menuhin visited the Con and gave
masterclasses to our students, including
Susie Park, Sunny Roh and Katie Betts.
1990s
Barry Tuckwell after receiving his
honorary doctorate of music from
the University of Sydney.
The Con joined forces with the University
of Sydney with Sharman Pretty (above)
at the helm in the mid 1990s.
1990s
Barry Ryan OAM – Celebrant
Australian baritone Barry Ryan
graduated with honours from
the Sydney Conservatorium
of Music where he is now a
lecturer in Voice and Opera.
His many awards for singing
include the Shell Aria, the New
York Metropolitan Auditions, the
Marten Bequest for Singing, the
Vienna State Opera Award and
the Green Room Award. In 2013,
Barry Ryan received an Order
of Australia for his services to
classical music.
Barry has performed with
Europe’s leading opera
companies including the Royal
Opera Covent Garden, La Scala
Milan, the Opera Comique in
Paris, the Paris Opera Bastille,
the Deutsche Oper am Rhein
Düsseldorf, the Flemish Opera
Antwerp, the Komische Oper
Berlin, Basel Opera and the Otono
Festival Opera Madrid. He was a
principal artist with the Cologne
Opera from 1988 to 1992.
Barry made his Australian opera
debut in 1993 and has since
performed for Opera Australia,
Wide Open Opera Dublin, Opera
Queensland, Victorian Opera,
West Australian Opera and
Canterbury Opera. His leading
roles include the title role of
Nixon in Nixon and China, George
Milton in the Australian Premiere
of Of Mice and Men, Sharpless
in Madama Butterfly, Gunther in
Götterdämmerung, Marcello in
La Bohème, Count di Luna in Il
Trovatore, Renato in Un Ballo in
Maschera, Amonasro in Aida,
the Father in Hänsel und Gretel,
Pizzarro in Fidelio, Mister Redburn
in Billy Budd, the Gamekeeper in
Rusalka and Tonio in I Pagliacci.
His world premieres include
Scully in The Riders, for which he
has been awarded a Greenroom
Award, Alex in Bliss, for which he
was nominated for a Helpmann
Award, Prosecuting Counsel in
Lindy, Wiebbe Hayes in Batavia
and Barney in The Summer of the
17th Doll.
Barry has performed in concerts
throughout Europe, Australia and
Asia. He has performed with the
London Symphony Orchestra, the
Scottish Symphony Orchestra, the
Norwegian Symphony Orchestra,
the Shinsei Nihon Symphony
Orchestra Tokyo and all the
major Symphony Orchestras
in Australasia.
1997
The Last Night of the Con concert,
29 November 1997, in the Verbrugghen Hall
before redevelopment of the site commenced.
1996
The trio of Gerard Willems, Christopher
Kimber and Michael Halliwell after a
1996 tour of Southeast Asia.
1999
In September 1999, the Con Chamber Orchestra,
conducted by Wolfram Christ, toured South Africa.
Matthew McDonald, the double bass player, is
pictured here with students.
amalgamation
Gondwana Sydney Children’s Choir
Lyn Williams OAM Bernie Heard
Artistic Director and Founder General Manager
Founded as Sydney Children’s Choir in 1989 by Lyn Williams OAM,
Gondwana Choirs has grown to include Gondwana National Choirs
and Gondwana Indigenous Children’s Choir. The organisation has built
a worldwide reputation for choral excellence and occupies a unique
position in the Australian landscape, having developed its repertoire
through the commissioning of more than 200 works. Singers from
all three arms of the organisation have come together on several
occasions, most recently in 2014 for the world premiere performances
of Jandamarra – Sing for the Country by Paul Stanhope.
Sydney Children’s Choir comprises 22 training and performance
ensembles for children aged 5–16, and the Senior Choir regularly
collaborates with the nation’s leading ensembles. 2015 highlights
include concerts with Sydney Symphony Orchestra, a tour to Hong Kong
and mainland China, and a new commission, Anzac Notes, by Elena
Kats-Chernin for the Kokoda Memorial, to be recorded and broadcast
by the ABC.
Lyn Williams OAM
Artistic Director & Founder
Lyn Williams OAM is Australia’s leading director of choirs for young
people, having founded two internationally renowned choirs: Sydney
Children’s Choir in 1989 and the national children’s choir, Gondwana
Voices, in 1997. Under her inspirational leadership, the Gondwana
Choirs organisation has grown to include 22 ensembles of the Sydney
Children’s Choir; five choirs, Composer School and Conducting
Academy in Gondwana National Choirs; and, the Gondwana Indigenous
Children’s Choir, with regional hubs in Cairns and Campbelltown.
Lyn’s exceptional skill in working with young people is recognised
internationally for its high artistic quality and ground-breaking
innovation. She has conducted Sydney Children’s Choir, Gondwana
Voices, Gondwana Chorale and Gondwana Indigenous Children’s Choir
nationally and internationally. Lyn is a recipient of the NSW State Award
and is an award-winning composer. In 2004, she was awarded an OAM
in recognition of her services to the Arts.
Suebin Bae
Guian Balan
Bridie Batterham-
Murphy
Lucy Blomfield
Holly Boswell
Amelia Brown
Christina Burjan
Honey Christensen
Gracia Clifford
Beatrice Colombis
Stella Davy
Jasmine Delaney
Gabriel Dillon
Michael Donohue
Cassandra Doyle
Oscar Drew
Isabella Emanuel
Lily Fowler
Liam Green
Talia Greenfield
Danah Gressel-Keich
Dominic Grimshaw
Emma Guitera
Benjamin Hamilton
Ali Hardy
Chloé Hart
Rebecca Hilliard
Abel Hofflin
Patsy Islam-Parsons
Tovia Jakovsky-
Coleman
Maeve Kelaher
Jonathon Kelley
Emma Korrell
Jiayi Liu
Eloise Loewy
Jemima Lorenz
Jackson Low
Stephanie Macindoe
Belle MacLeod
Owen MacNamara
Aedan MacNamara
Cecilia Maddox
Anna Marsh
Gabrielle Montalbo
Eloise Morrison
Stella Mountain
Jade Ng
Theo Picard
Florence Poon
Alexandra Raleigh
Josh Reimer
Emma Renaud
Ariana Ricci
Julia Spiteri
Isabella Sucking
Piet Tombs
Jessica Trevelyan
Sasha Trevelyan
Beatrice Tucker
Olivia Wei
Imogen Williams
Jules Wittenoom Louw
Ysobel Yew
centenary
The Centenary Celebration of the
Sydney Conservatorium of Music
Wednesday 6 May 2015 | Sydney Opera House Concert Hall
Presented by the Sydney Conservatorium of Music and Sydney Opera House
I can’t help being impressed by MASS’s
unabashed two‑fold sincerity. […]This is a work
that stakes everything. I can think of few creative
acts in recent times that take so many risks and
achieve so much.
– Peter G. Davis (1972)
1945
Poster for a recital by Marjorie
Hesse, who was a piano
student of Frank Hutchens.
1945
Noel Mewton-Wood, an Australian-
born concert pianist who achieved
international fame.
Sir Eugene Goossens was jointly appointed as Director
of the Conservatorium and Chief Conductor of the
Sydney Symphony Orchestra in 1946.
1940s
At times the MASS is little more than
fashionable kitsch. It is a pseudo‑serious effort
at rethinking the Mass that basically is, I
think, cheap and vulgar. It is a show‑biz Mass,
the work of a musician who desperately wants
to be with it.
– Harold C. Schonberg (1971)
Program notes
collaboration
Babel’s voices:
Rites and Rituals in
Bernstein’s MASS
By definition separate and
opposing concepts, the sacred
and the secular are in fact
intimately intertwined. It is often
claimed that in the West today we
live in a thoroughly secularised
age, and yet many continue to
cultivate a spiritual dimension
to their lives. Where earlier ages
might typically have sought this
in religious practices, a wide
variety of paths are followed
nowadays by those seeking
spiritual enlightenment, peace or
a sense of the transcendent. By
virtue of its incorporeal nature,
music is the art form most often
used to reach this ‘other place’,
and has in fact been employed
to enhance religious rites for
thousands of years. It is against
the twin backdrops of this
older musico-religious tradition
and the modern secularised
condition that Leonard Bernstein’s
gargantuan MASS (1971) needs
to be understood. A two-hour
work that explores the value of
ritual in contemporary society, it
attempts to bridge the sacred-
secular divide in ways that are
controversial and confrontational.
It uses liturgical texts but was
intended for the concert hall.
It employs a bewildering range
of musical styles, from typical
‘Church’ genres to the most
profane popular music types. This
panoply of musics (the plural is
deliberate) was surely Bernstein’s
attempt to be inclusive and
all-encompassing, although
whether the stylistic eclecticism is
thought exhilarating or confusing
is a matter of personal taste. The
extent to which it succeeds in
its larger aims will again depend
on the individual listener, but
at the very least, it offers an
intriguing perspective on issues
that continue to engage society,
even in the allegedly post-
religious West.
The story of Western art music
is intimately connected with
Christian religious practices.
Most histories really get going
with the attempts to devise a
notation for the chant used in
church services towards the
end of the first millennium AD.
From this invention stemmed
the entire wealth of sacred and
secular music that relies on
staff notation. Based on what
has survived in notated form, it
can be said that sacred music
was the more important and
prestigious sphere until at least
the seventeenth century, while
secular music has been more
cultivated after the middle of the
eighteenth century, a change
which reflects larger societal
developments within modernity.
Interestingly, music itself became
a kind of ersatz religion for some
people in the nineteenth century:
it was listened to with the same
reverent attentiveness, and with
the hope of gaining spiritual
insights. The stillness and silence
expected in concert halls to this
day testifies to a continuing belief
in music’s ability to convey a kind
of otherworldly experience. As it
happens, much music originally
written for sacred worship is
nowadays more often heard in
concert performance, where
it arguably answers a similar
underlying need.
Hearing sacred compositions in
secular spaces is just one modern
instance of the interpenetration
of the two domains. In times
past the two more frequently
overlapped, as any exploration
of the historical record reveals.
When medieval composers
combined two or more lines of
music together in motets, it was
absolutely normal for one line to
be based on a Latin chant, and
another to use the text of a love-
song in the vernacular. The long
line of Renaissance mass settings
based on the famous secular tune
‘l’homme armé’ (the armed man)
further testifies to the overlap of
the two spheres. In the eighteenth
century J. S. Bach freely reused
music from his sacred cantatas in
non-sacred works and vice versa.
Franz Liszt in the nineteenth
century called for a liturgical
music that would ‘unite on a
colossal scale the theatre and the
church’. Needless to say he could
not have envisaged anything
quite like Leonard Bernstein’s
MASS, described by its composer
as A Theatre Piece for Singers,
Players and Dancers.
One aspect of the controversy
that has surrounded Bernstein’s
work since its first performance
in 1971 is that he and his
collaborator, Stephen Schwartz,
appropriated not just any religious
texts, but those of the mass,
traditionally the central act of
Christian worship. This service
follows a tightly defined form, the
principal parts of which are (in
(continued overleaf)
1946
Eugene Goossens focused on regional
and city partnerships, and was key
in creating an arts precinct with the
building of the Sydney Opera House.
1946
Musica Viva Players (from left to right):
Robert Pikler, Edward Cockman, Maureen
Jones, Richard Goldner and Theo Salzman.
1940s
Robert Pikler, a Hungarian-Australian
musician and founder of the Sydney String
Quartet, resident at the Conservatorium
was resident at the Con in the 1940s.
Brochure
ConservatoriumofMusicprogram The Conservatorium of Music is Sydney’s
premier music school and required a
program for their centenary concert.
The brief was pretty broad – to produce
something memorable that would engage
people’s interest and make the program
something that people would want to read
and keep.
I proposed that we incorporate a timeline
celebrating key figures, achievements
and events in the history of the
Conservatorium to tell the story of the
school. I worked closely with the editor to
select the images, stories and quotes that
we would feature to tell the story of how
the Conservatorium developed into the
world class institution that it is today.
The design is both contemporary and
classic, elegant and unexpected, just like
the Conservatorium itself.
Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
Corporatecommunications
GrantConstructionscorporateprofile Grant Constructions are a NSW based
construction company which needed to rebrand
themselves to represent their recent buyout
by WatPac. This brochure was part of a series
of designs created to promote themselves
including a new corporate identity, brochure
and newsletter.
The overall theme is to reflect the strength,
professionalism and quality of their service
and projects, and to demonstrate the scale and
scope of the projects they work on.
Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
Corporateidentity
Logodesign
Colour logo for large size reproduction
Black logo for large size reproduction
Colour logo for small size reproduction
Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
Corporateidentity
AustraliaQuartet Australia Quartet’s mission is to spur new
interest in classical music by championing
contemporary Australian composers,
breathing new life into rarely-performed
masterpieces, and presenting the best-
loved works of the piano quartet canon
to both new, and familiar audiences. I
was commissioned to create a corporate
identity and publicity materials to promote
the quartet and launch their schedule of
concerts. The logo is designed to reflect
their spontaneous, contemporary and slightly
anarchic approach, to help differentiate them
from the usual staid classical musicians.
Opening Concert #
1:
6:30pm Tuesday 30 April 2013
Bon Marche Studio, UTS, 755 Harris Street, Broadway
Gala Concert #
2:
6:30pm Tuesday 28 May 2013
UTS Great Hall, Level 5, Building 1, Broadway
Collaboration Concert #
3:
6:30pm Tuesday 3 September 2013
UTS Art Gallery, Level 4, 702 Harris Street, Broadway
Finale Concert #
4:
6:30pm Tuesday 5 November 2013
Bon Marche Studio, UTS, 755 Harris Street, Broadway
Tamara-Anna Cislowska, piano
Veronique Serret, violin
James Wannan, viola
Thomas Rann, cello
Bookings: http://australiaquartet.eventbrite.com
Tickets: Entry by donation — please reserve tickets online
Venues: Please check online for venue information
For more information about the Australia Quartet:
E australiaquartet@uts.edu.au
W www.fass.uts.edu.au/australia-quartet
www.facebook.com/australiaquartet
https://twitter.com/AustQuartetUTS
Australia Quartet presents:
UTS Piano Quartet in Residence
Chamber Series 2013
AQ_UTS_Poster_AW.indd 1 22/04/13 8:01 PM
Australia Quartet presents:
UTS Piano Quartet in Residence
Chamber Series 2013
AQ_UTS_Postcard_AW_outline.indd 1 22/04/13 7:58 PM
Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
Corporateidentity
Miller&MillerStrategicCommunications Miller & Miller are a boutique strategic
communications firm who required a simple,
contemporary yet elegant design solution for
their corporate identity.
This branding has been applied to a wide range
of material including stationery, capability
statements, tender presentations and more.
PO Box 425
Lane Cove NSW 1595
ABN 62 135 978 059
Mobile: 0447 193 246
veronica@millerandmiller.com.au
www.millerandmiller.com.au
PO Box 425
Lane Cove NSW 1595
Mobile: 0447 193 246
veronica@millerandmiller.com.au
www.millerandmiller.com.au
Veronica Miller
Director
Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
Publishing
OrganicGardenerDiaryandCalendar The Organic Gardener Magazine is a specialist title
aimed at the home gardener interested in learning how
to grow their own organic produce.
I have designed several calendars and diaries for
Organic Gardener Magazine, each including a selection
of hand‑drawn illustrations and a design layout which
creates a fresh, hands-on and earthy feel combined
with gardening tips and delicious food photography.
2015 Calendar
Monthly planting guide
Featuring organic gardening tips
ABC Organic Gardener Magazine
Sunday Monday Tuesday Wednesday Thursday Friday Saturday
1 2 3
4 5 6 7 8 9 10
11 12 13 14 15 16 17
18 19 20 21 22 23 24
25 26 27 28 29 30 31
Australia Day School Term 1 Starts
(NSW Eastern Division,
NT remote schools)
School Term 1 Starts (QLD,
NT urban schools, SA)
School Term 1 Starts (VIC)
What to plant
Tropical: Carambola, custard apple, eggplant, lemongrass, sweet corn
Subtropical: Banana, cumquat, lettuce, torch ginger, zucchini
Arid/Semi-Arid: Basil, chilli, leek, mulberry, rosella
Warm Temperate: Brussels sprouts, French bean, swede, tamarillo, tomato
Cold Temperate: Asian greens, beetroot, kale, olive, parsnip
Full moon Last quarter New moon First quarter
Pomegranate (Punica granatum)
Pomegranates were known as the food of the gods.Ancient Egyptians saw
them as a symbol of prosperity and they have a long history of use, especially
in the Middle East. Drought hardy and easy to care for, pomegranates have
vibrant orange flowers and fruits ranging from pale green and yellow to purple,
orange and red. Some pomegranates are purely ornamental and grown only
for their decorative flowers. If they do have fruit then they are likely to be too
astringent to eat. Look for cultivars such as ‘Elcite’, ‘Kazake’, ‘Rosavaya’ and
‘Wonderful’ if you want to be able to enjoy the edible seeds and juice.
New Year’s Day
Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au
Magazine
ABCFootballMagazine ABC Football Magazine is a new annual
magazine packed with stories, information,
statistics and photos about soccer. I was
responsible for creating the design concept,
building all templates and styles, designing
the entire issue and producing final artwork
for print. All on time and to a strict budget.
FootballThe A-League and beyond
Sharp shooters, predictions, full fixtures list and more
Perth: bring back the Glory
A-League: who’s in the Team of the Decade?
Previews: A-League, Asian Cup and W-League
We can win this:
Ange sets Socceroos’
sights on Asian Cup
Melbourne’s
change of Heart
Sydney:a tale
of two cities
RoaR
TalenT
ThomasBroich
YourPlayeroftheDecade
win
Tickets to the Asian Cup
FootballTheA-Leagueandbeyond2014/15
Australia has voted, and the
A-League Team of the Decade is
an impressive line-up.
It seems that being part of a
winning team helped, with seven
of the all-time XI having turned
out at some point in their careers
for four-time trophy winners
Melbourne Victory, including
current Victory coach Kevin
Muscat at centre-back.
And if the final votes are
anything to go by, this season’s
Victory shouldn’t have too
much trouble scoring goals.
Their forward line includes two
of the nominated strikers of the
decade: Archie Thompson and
Besart Berisha.
Six players in the Team of the
Decade have played for Brisbane
Roar, the A-League’s most
successful club, with five trophies
in their cabinet. Roar goalkeeper
Michael Theo earned the number
one shirt. In front of him in the back
four are Ivan Franjic, who has left
Brisbane for Torpedo Moscow in
Russia, Adama Traore (formerly
of Gold Coast and Victory), and
Sydney FC centre-back Sasa
Ognenovski, alongside Muscat.
Brisbane’s Matt McKay is in
midfield alongside his teammate
Thomas Broich, Victory’s Mark
Milligan and Carlos Hernandez, who
is now back playing in his homeland
Costa Rica, but who left A-League
fans with memories of some
spectacular goals during his time at
Victory and Wellington Phoenix.
If the team had a substitutes’
bench, the first two players on it
would be former Juventus star
Alessandro Del Piero, who spent
two seasons at Sydney FC, and
Japan’s Shinji Ono, who was at
Western Sydney Wanderers for
two seasons.
Both just missed out on making
the XI, with Ono, who helped the
Wanderers to two grand finals and
a premiership, falling just one vote
shy of Milligan in midfield.
Others perhaps unlucky to miss
out included Adelaide defender
Cassio Oliveira, Wellington centre-
back Andrew Durante, Melbourne
City midfielder Massimo
Murdocca and Sydney striker
Shane Smeltz.
Broich, a two-time winner of
the Johnny Warren Medal, won
the Player of the Decade award
ahead of Archie Thompson in
second place.
Seven members
of the all-time XI
have played for
MelbourneVictory.
DEJAN KALINIC unveils the A-League Team
of the Decade as voted by you, the fans.
20 ABC Football magazine 2014/15
24 ABC Football magazine 2014/15
I fell into the trap of speaking openly about my interests
outside the pitch. It backfired. They created this Mozart
image and I was the pseudo-intellectual guy. It didn’t
help me at all.
The funny thing was, as I accumulated failure after
failure on the pitch I found refuge again in those other
things. It made it even worse. The less I played, the
more I was reading and making music. Of course, you
need some happy places in your life. If football doesn’t
give you anything, you need to look elsewhere. It was
a vicious circle. The more I got into the arts, the more
I reinforced the stereotype.
When you watched Germany win the World
Cup this year, some of your former teammates
and friends were playing. Was there any sense
of ‘it could’ve been me’?
I think about it occasionally. Overall, I had many
chances. I guess I wasn’t good enough. Looking at
those boys they were just a little bit better, maybe
mentally stronger and smarter as well. I was so happy
for them when they won because, knowing them,
they’re polite and humble – really good guys.
Australian sport can be pretty bone-headed
and macho. Not too many people own up to
reading books and playing music. How were
you received when you arrived?
Above: Broich fends
off Jets midfielder
Ruben Zadkovich.
Photos:JohnNguyenandGettyImages
It wasn’t a problem at all. They embraced it. It was kind
of weird. When I first asked Ange [former Roar coach
Postecoglou] could I bring a guitar on an away trip, he
said ‘no problem’. It was even suggested that young
players should pick up an instrument because it gives
you a sense of balance in your life.
On the pitch was different. I’m not a very physical
player in terms of just tackling players for fun. When
I first arrived, Australian football was all about running
for 90 minutes like a dog and not pulling back from
any tackles. The football aspect of things – the tiki-taka
that’s popular at the moment – was absent.
The man who changed all that was Ange. He was
the first to say, ‘Hey, why can’t we play that brand of
football in Australia?’
Did you feel Ange was a kindred spirit?
Someone who understood what you loved
about the game?
Totally. No disrespect to other teams, but imagine if
I had signed for Wellington Phoenix or Perth Glory five
years ago. The way they were playing back then I would
have been lost out there. You can try to play a long, high
ball to me but you’re not going to get much out of it!
You won the Gary Wilkins Medal (Roar Player
of the Year) and the A-League title in your first
year. What made that team special?
26 ABC Football magazine 2014/15
Defender
Ivan Franjic
Midfielder
Matt McKay
Defender
Kevin Muscat
Midfielder
Carlos Hernandez
Striker
Archie Thompson
Defender
Sasa Ognenovski
Midfielder
Mark Milligan
Striker
Besart Berisha
Defender
Adama Traore
Midfielder
Thomas Broich
Goalkeeper
Michael Theo
Photos:SydneyFC,MelbourneVictory,GettyImages
ABC Football magazine 2014/15 21
Australia loves Thomas Broich. The feeling
is mutual, the A-League Player of the
Decade tells FRANCIS LEACH.
On tOp
dOwn under
Photo:JohnNguyen
Drumroll, please… the people have spoken.
Thomas Broich is your A-League Player of
the Decade.
The elegant German has always displayed
the grace, guile, artistry and energy that has
become the trademark of the all-conquering
Brisbane Roar teams, which have delivered a
triple treat of titles.
Like so many great players in the history of
Australian football, Broich’s journey is as much
about escaping an old world and rediscovering
himself in a new one. He’s something of an
accidental Aussie, at ease in his Brisbane
surrounds, passionate about his teammates,
his club, and his future in football.
Congratulations on being named
Player of the Decade.
It’s quite an honour. When I was first told, it
was an amazing moment. Some great players
have played in this country. I’m flattered.
How has your experience of Australia
changed you as a person?
It has changed me big-time. When I arrived
I didn’t have an ounce of passion for football
left in me. I rediscovered my love of the game
and transformed from a cynical person into
one who really embraces life again. I’ll be
grateful forever.
How close did you come to walking
away from football before coming
to Australia?
I’d made up my mind already. I told
[Nuremberg teammate] Dario Vidosic about it
and he told me, ‘Don’t do that. You just need
a change of environment – go to Australia,
you’ll love it there.’ So that’s what I did.
Was it about getting as far away
from German football as possible?
Absolutely, I just wanted to run away. People
in Germany like to put you in a category and
it’s very hard to break out of it. I was labelled
the ‘Mozart’ – a soft, vulnerable player. They
gave me credit for my skill level but the
overall verdict was not tough enough.
It was so hard to get rid of that label.
I was sick and tired of fighting that image,
so I needed to go as far away as possible
As a person who also loves music
and literature, did football start to
seem a bit frivolous?
It’s tricky. When I grew up it was all about
football for me. I had other interests,
but football was my true passion. When
I became a professional player I still had
those hobbies that made me an outsider
in this environment. The media loved it and
ABC Football magazine 2014/15 25
The most important thing was the way
Ange approached it. He pretty much
started the football revolution here in
Australia. He wanted us to play a modern
brand of football.
Ange spent a lot of time teaching us
the basics of his game and we took it to
a phenomenal level.
There must have been a real joy in
discovering a way to play like that.
Joy, that’s the key word. He could have
taken a bunch of players and turned them
into soldiers, but he wanted to create
artists. It’s an important life lesson for me
to approach things that way, to highlight
the positives, the potential. In life it’s very
difficult to create something the artist’s way,
but it’s most rewarding when it comes off.
During that 36-game unbeaten
run, did you feel invincible?
We were just so full of confidence. During
that 36-game run we always believed we
could score at any minute. That self-
belief has never left us. Even though we
lose games these days, we still have the
spirit in us.
How did you feel when Ange said
he was leaving?
At the time I didn’t realise what a big loss
it would be. It took the bad season that
we had the following year [under new
coach Rado Vidosic], when we got a bit
complacent and ahead of ourselves, to
realise what he’d done for us.
In a way, Ange leaving helped a lot of
players to develop their personality. When
Ange was the coach all we had to do
was follow his lead. When he left there
was a big vacuum. A lot of our players
looked into the mirror, looked at the past
two years and learnt lessons from that.
The combination of success and failure
made us a stronger team and developed
leaders in this group.
The time with coach Rado Vidosic
– it must have been tough on him.
Rado was unlucky. He’s an amazing man.
It was a case of being in the wrong place
at the wrong time. It was tough to follow
Ange. A few of us, including myself, got
a little off track. We didn’t make it easy
for him. It wasn’t so much his failure but
ours, collectively.
How did Mike Mulvey get the Roar
back on track?
He was a new face, a clean start. By the
time he took over, we realised our failings.
He’s a very eloquent speaker and inspired
us to focus and return to the work ethic
that made us.
Photos:JohnNguyenandGettyImages
Last year we were so incredibly driven
because we all realised the mistakes we
had made in the past. The hunger was
back and from the first day of pre-season,
you could really feel it.
Besart Berisha was your partner.
He’s gone. How will that affect you?
On the outside we’re fairly different, but
our core values are similar. He’s a warrior
on the pitch, but he’s a very gentle human
being. He was so appreciative of every
ball I fed him and I really understood how
much I depended on him. We had an
amazing connection.
It’s a big loss – you can’t just replace
him. We have to collectively make up for
him leaving, but we have the players to
do it.
You seemed to really enjoy
playing for the A-League All Stars.
Do you take personal pride in the
development of the A-League?
Absolutely. This is where I live, this is
where I play my football. I want people to
have a good impression of the A-League.
The standard has improved immensely.
I can’t think of any other country where the
standard has developed at a rate like this.
The best teams in this league play
a nice brand of football. The fitness
levels, the organisation, tempo and
competitiveness of the league is so much
better these days. It’s pretty exciting to be
part of this league at this point in time.
“It’s quite an
honour. when I was
first told,it was an
amazing moment.”
Thomas Broich with his
Player of the Decade medal.
ABC Football magazine 2014/15 27
Jo_Yuen_Portfolio_2017
Jo_Yuen_Portfolio_2017
Jo_Yuen_Portfolio_2017
Jo_Yuen_Portfolio_2017
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Jo_Yuen_Portfolio_2017

  • 1. Jo Yuen  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au Skillsandexpertise In today’s crowded marketplace it is imperative that your communications stand out from the crowd. Good design is more than ‘pretty pictures’, it’s the face your company presents to the world – and first impressions count. I have over 20 years of experience in design gained in premier design consultancies both in Australia and the UK, and can offer the personalised attention your business deserves. Whether your project is large or small, I can help you maximise your impact and minimise your budget. I offer expert advice on design, strategy, marketing and more, with a dedication to finding the right solution for each and every client. I take your project from initial brief through creating concepts tailor made to suit the project, design layout, artwork and print supervision. Creative design concepts and strategic thinking with particular expertise in: • Brochures and corporate literature • Corporate identity and branding (including logo design and writing corporate guidelines) • Annual report design • Digital design including web banners and tiles • Website design (including working with developers and WordPress) • UX strategy and planning • Newsletters • Press advertising • Financial statements • Art direction of photo shoots (including liaising with photographers, stylists and model casting) • Magazines • Book design • Copy writing and proof reading. Superior management and pre-press skills including: • The ability to take a project from initial client brief, through concept design, art direction, typography, artwork and print • Project management, client liaison and print supervision • Mentoring and supervising junior members of staff. JoYuenPortfolio
  • 2. Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au Brandingdesign FirstStateSuper First State Super are an Industry Superannuation Fund and as such are tightly regulated in terms of what they can and can’t say. This brochure template was part of a redesign project to promote the transition stage of First State Super merging with HealthSuper, so the design was carefully created to integrate elements of both companies’ brand identities in a unified concept. I designed templates for booklets, fact sheets, forms, flyers and financial documents as part of this project. I also wrote and compiled the corporate guidelines to ensure consistent implementation of the new identity. After a transition period, the twin funds were rebranded again to be wholly under the First State Super banner. Booklet heading Subheading to go here Issued by FSS Trustee Corporation ABN 11 118 202 672 AFSL 293340, Trustee of the First State Super Superannuation Scheme Superannuation Product Identification Number (SPIN) FSS 0100AU, Level 16, 83 Clarence Street, Sydney NSW 2000 Prepared 1 July 2012 Subhead 1 Under a salary sacrifice arrangement, you ask your employer to pay some of your gross salary directly into your super account. This is in addition to the compulsory superannuation guarantee (SG) amount your employer is required to contribute for you. Subhead 2 Because you’re making contributions before income tax is paid, salary sacrificing can be a tax-effective way to boost your super. f Bullet text to go here, text to go here. f Bullet text to go here, text to go here. Bullet text to go here, text to go here. f Bullet text to go here, text to go here. Bullet text to go here, text to go here. Bullet text to go here, text to go here. Bullet text to go here, text to go here. f Bullet text to go here, text to go here. So not only does salary sacrifice increase your super savings, it could also reduce your assessable income and potentially your tax bill. Am I eligible to salary sacrifice? All members of First State Super, the State Authorities Superannuation Scheme, the State Superannuation Scheme and the Police Superannuation Scheme can make salary sacrifice contributions to First State Super if it is allowed under their employment conditions. Please check with your human resources or payroll area to confirm that salary sacrifice arrangements are available. Are there any fees? First State Super does not charge any additional fees if you make salary sacrifice or after-tax contributions. However, you may be charged an administration fee under your employer’s arrangements. You should contact your human resources or payroll area and ask if an additional administration fee is charged. For more information about fees, see the Member Booklet Supplement: Fees Introduction paragraph text to go here, text to go here. Ris sit qui doluptibus aut facero cus nobisqu untiae volenia dolor aut poritia nectur? Quid modionse conserunt versperi ut oditas velitas qui si cum fuga. Enis ut qui nus, omnis imagnat qui di volorume vollanit et aceaque. Investing your super Are there limits? Yes. There are limits on the amount of money you can put into super and receive tax concessions. See our fact sheet Caps, tax rates and thresholds. Salary sacrifice contributions are defined as ‘concessional contributions’ and the limit. You should contact your human resources or payroll area and ask if an additional administration fee is charged. You should contact your human resources or payroll area and ask if an additional administration fee is charged. n 23.0% Australian Equities n 20.5% International Equities n 2.5% Alternative Assets n 4.0% Property Assets n 25.0% Fixed Interest n 25.0% Cash Graph title Disclaimer text to go here, text to go here. Disclaimer text to go here, text to go here. Disclaimer text to go here, text to go here. Caption A Caption CCaption B n Legend title to go here n Legend title to go here 12 10 8 6 4 2 0 Graph title Disclaimer text to go here, text to go here. Disclaimer text to go here, text to go here. Disclaimer text to go here, text to go here. 10 First State Super | Health Super Type of Fee or Cost Amount How and when paid Fees when your money moves in or out of the Fund Establishment fee: The fee to open your investment. Nil. The Fund does not charge an establishment fee. Contribution fee: The fee on each amount contributed to your investment – either by you or your employer. Nil. The Fund does not charge a contribution fee. Withdrawal fee: The fee on each amount you take out of your investment. $36 Deducted from your account each time a benefit is withdrawn, for spouse contribution splits if your spouse’s account is with another fund and for payments to the ATO. Termination fee: The fee charged to close your investment. Nil. The Fund does not charge a termination fee. Subhead 1 Am I eligible to salary sacrifice? All members of First State Super, the State Authorities Superannuation Scheme, the State Superannuation Scheme and the Police Superannuation Scheme can make salary under their employment conditions. Please check with your human resources or payroll area to confirm that salary sacrifice arrangements are available. Are there any fees? First State Super does not charge any additional fees if you make salary sacrifice or after-tax contributions. However, you may be charged an administration fee under your employer’s arrangements. You should contact your human resources or payroll area and ask if an additional administration fee is charged. Subhead 2 Because you’re making contributions before income tax is paid, salary sacrificing can be a tax-effective way to boost your super. For more information about salary sacrifice visit www.firststatesuper.com.au or call our Customer service on 1300 650 873. www.firststatesuper.com.au | 1300 650 873 11 f Bullet text to go here, text to go here. f Bullet text to go here, text to go here. Bullet text to go here, text to go here. Are there limits? Yes. There are limits on the amount of money you can put into super and receive tax concessions. See our fact sheet Caps, tax rates and thresholds. Salary sacrifice contributions are defined as ‘concessional contributions’ and the limit. You should contact your human resources or payroll area and ask if an additional administration fee is charged. You should contact your human resources or payroll area and ask if an additional administration fee is charged. Salary sacrificing can be a tax- effective way to boost your super. Subhead 1 Under a salary sacrifice arrangement, you ask your employer to pay some of your gross salary directly into your super account. This is in addition to the compulsory superannuation guarantee (SG) amount your employer is required to contribute for you. Subhead 2 Because you’re making contributions before income tax is paid, salary sacrificing can be a tax-effective way to boost your super. f Bullet text to go here, text to go here. f Bullet text to go here, text to go here. Bullet text to go here, text to go here. f Bullet text to go here, text to go here. Bullet text to go here, text to go here. Bullet text to go here, text to go here. Bullet text to go here, text to go here. f Bullet text to go here, text to go here. So not only does salary sacrifice increase your super savings, it could also reduce your assessable income and potentially your tax bill. Please check with your human resources or payroll area to confirm that salary sacrifice arrangements are available. Are there any fees? First State Super does not charge any additional fees if you make salary sacrifice or after-tax contributions. However, you may be charged an administration fee under your employer’s arrangements. You should contact your human resources or payroll area and ask if an additional administration fee is charged. Please check with your human resources or payroll area to confirm that salary sacrifice arrangements are available. Are there limits? Yes. There are limits on the amount of money you can put into super and receive tax concessions. See our fact sheet Caps, tax rates and thresholds. Salary sacrifice contributions are defined as ‘concessional contributions’ and the limit. Please check with your human resources or payroll area to confirm that salary sacrifice arrangements are available. You should contact your human resources or payroll area and ask if an additional administration fee is charged. You should contact your human resources or payroll area and ask if an additional administration fee is charged. You should contact your human resources or payroll area and ask if an additional administration fee is charged. Am I eligible to salary sacrifice? All members of First State Super, the State Authorities Superannuation Scheme, the State Superannuation Scheme and the Police Superannuation Scheme can make salary sacrifice contributions to First State Super if it is allowed under their employment conditions. Subhead 2 Because you’re making contributions before income tax is paid, salary sacrificing can be a tax-effective way to boost your super. First State Super does not charge any additional fees if you make salary sacrifice or after-tax contributions. However, you may be charged an administration fee under your employer’s arrangements. You should contact your human resources or payroll area and ask if an additional administration fee is charged. For more information about fees, see the Member Booklet Supplement: Fees 12 First State Super | Health Super Investing your super continued Salary sacrificing can be a tax- effective way to boost your super. Type of Fee or Cost Amount How and when paid Fees when your money moves in or out of the Fund Establishment fee: The fee to open your investment. Nil. The Fund does not charge an establishment fee. Contribution fee: The fee on each amount contributed to your investment – either by you or your employer. Nil. The Fund does not charge a contribution fee. Withdrawal fee: The fee on each amount you take out of your investment. $36 Deducted from your account each time a benefit is withdrawn, for spouse contribution splits if your spouse’s account is with another fund and for payments to the ATO. Termination fee: The fee charged to close your investment. Nil. The Fund does not charge a termination fee. Subhead 1 Am I eligible to salary sacrifice? All members of First State Super, the State Authorities Superannuation Scheme, the State Superannuation Scheme and the Police Superannuation Scheme can make salary under their employment conditions. Please check with your human resources or payroll area to confirm that salary sacrifice arrangements are available. Are there any fees? First State Super does not charge any additional fees if you make salary sacrifice or after-tax contributions. However, you may be charged an administration fee under your employer’s arrangements. f Bullet text to go here, text to go here. Bullet text to go here, text to go here. f Bullet text to go here, text to go here. Bullet text to go here, text to go here. Bullet text to go here, Are there limits? Yes. There are limits on the amount of money you can put into super and receive tax concessions. See our fact sheet Caps, tax rates and thresholds. Salary sacrifice contributions are defined as ‘concessional contributions’ and the limit. Are there any fees? First State Super does not charge any additional fees if you make salary sacrifice or after-tax contributions. However, you may be charged an administration fee under your employer’s arrangements. You should contact your human resources or payroll area and ask if an additional administration fee is charged. Please check with your human resources or payroll area to confirm that salary sacrifice arrangements are available. For more information about salary sacrifice visit www.firststatesuper.com.au or call our Customer service on 1300 650 873. www.firststatesuper.com.au | 1300 650 873 13 Pull out heading Pull out text. All members of First State Super, the State Authorities Superannuation Scheme, the State Superannuation Scheme and the Police Superannuation Scheme can make salary under their employment conditions. Please check with your human resources or payroll area to confirm that salary sacrifice arrangements are available. For more information about salary sacrifice visit www.firststatesuper.com.au
  • 3. Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au Corporatecommunications FirstStateSuper After a transition period, the First State Super and HealthSuper co-brand was changed to a First State Super overarching brand. Part of this new look was this bi-annual newsletter which keeps members up to date on important information about their super. Each issue is different and uses a combination of financial data, personal interest stories, infographics and new information to inform members. Investment commentary How much super do you really need Your questions answered Are you in control of your super future? Our response to climate change superNEWS February 2016 firststatesuper.com.au | 1300 650 873 It’s been an interesting period for markets with the slowdown in China, Greek debt negotiations, a lower Aussie dollar, ongoing low interest rates and rising house prices supernews September 2015 An eventful timefor markets w In this issue... A pretty good year for returns | Window to the future Why ‘smart beta’ is a smart strategy | Your fund in the community The reality is that most Australians – including most of those starting out in the workforce today – will not retire with the equivalent of $1 million in super. We need to stop focusing on the needs of a privileged few and start talking about how relatively small balances of super can still make a big difference to the quality of life in retirement. – Tom Garcia, AIST A million dollars? Not so long ago, that figure was a beacon for anyone seeking financial independence. A millionaire, so it seemed, wouldn’t have a financial worry in the world. But for most, it was something of an impossible dream. Yet more recently, far from being unattainable, we find a growing body of opinion claiming that a million dollars is the minimum you’ll need for a decent retirement and even that would need to be cleverly managed to sustain a reasonable standard of living into your eighties. But consider this: it is estimated that today, less than five in every 1,000 Australians hold more than $1 million in super1 . Most people never see anything like that figure. The majority of Australians approaching retirement (60 to 65-year-olds) can expect payouts of around $100,0001 . That number will grow, of course, as the compulsory superannuation guarantee introduced in 1992 has a greater impact on account balances. But even looking ahead to a time when Australians have had compulsory super for their entire working life, million dollar nest eggs probably won’t be common. In fact, according to the Australian Institute of Superannuation Trustees (AIST), the average super payout in 2050 will be around $500,000 in today’s dollars1 . But that’s a long way off. In the meantime, how do we make sense of this talk of a million dollar minimum when the average payout today is only around $100,000? Well, for a start, those in the million-dollar camp often overlook the fact that super is only one of three pillars of our retirement income system. Most people will use their super in conjunction with the age pension and savings outside super to deliver a reasonable retirement lifestyle. But what’s reasonable? And how much do you need to fund a reasonable retirement lifestyle? The Association of Superannuation Funds of Australia (ASFA) provides a useful guide. ASFA’s quarterly Retirement Standard estimates the annual budget needed to fund either a ‘comfortable’ or ‘modest’ standard of living in the post-work years. Single Couple (total) Age pension only2 $22,542 pa $33,982 pa ASFA’s Modest lifestyle3 $23,695 pa $34,090 pa ASFA’s Comfortable lifestyle3 $42,962 pa $58,915 pa How much super What is considered a modest and comfortable retirement lifestyle for retirees? A modest retirement lifestyle is considered better than the age pension lifestyle, but still only includes fairly basic activities. A comfortable retirement lifestyle enables an older, healthy retiree to be involved in a broad range of leisure and recreational activities and to have a good standard of living through the purchase of such things as household goods, private health insurance, a reasonable car, good clothes, a range of electronic equipment, and domestic and occasionally international holiday travel. Both budgets assume that the retirees own their own home outright and are relatively healthy. The ASFA Retirement Standard website at superannuation.asn.au/resources/retirement-standard/ has full details of the budgeted expense items used to define ‘modest’ and ‘comfortable’ lifestyles. 6 SuperNews | February 2016 A window to the future Released every five years, the IGR assesses the long-term sustainability of current policies designed to help government manage its resources and improve our living standards. The IGR also offers some useful insights for your retirement planning. Opportunities and challenges Over the next 40 years, Australia faces a growing and ageing population, fewer people of working age, rising costs for health services, and a budget coming under increasing pressure. These demographic trends also suggest slower economic growth and lower national income. How will the workplace change? According to the report, the number of people working (the participation rate) will fall slightly as our population ages. More women will be working, although still at a rate below other advanced economies. The percentage of workers aged 65 plus will grow and there will be half as many workers under 65 for every person 65 and over. Our economy is expected to expand at an annual average of 2.8% over the next 40 years compared to 3.1% for the past four decades. If you’re wondering what Australia might be like 40 years down the track, the government’s fourth Intergenerational Report (IGR) released in March this year will give you some insights. The report provides a snapshot of Australia in 2055 including projections for population, workforce participation and productivity. Whatdoesthismeanforsupersavers? Superannuation plays a key role in boosting retirement incomes and reducing reliance on the age pension. Compulsory super is currently 9.5% of salary, and is scheduled to rise to 12% by 2026, helping ease some of the pressure on the age pension. The report has a number of implications for retirement planning. Firstly, it’s possible that you’ll be retiring a little later in life than the current generation. This means planning for a longer stay in the workforce, and it also means that you can take advantage of additional years of compulsory super contributions. Secondly, with people living and staying active for much longer, you’ll need to take measures to help your super savings last the distance. Thirdly, with the cost of health and related services expected to increase markedly, it’s possible that savers will be required to help offset some of these expenses, especially if the projected growth in average salaries eventuates. Finally, the big shifts identified in the report – notably the projected pressure on government income and increases in its spending – suggest that we will have to take greater responsibility for funding our own retirement and rely less on the age pension. What will we look like by 2055? 5 Australia’s population will be around 40 million 5 We’re living longer, which will increase demand for health and aged care services 5 There’ll be half as many young workers for each worker 65+, which means fewer taxpayers 5 The workplace will feature more women and mature age workers 5 Our economy will grow at a slightly slower rate Key points 5 The SG rate will rise to 12% of salary on 1 July 2025 5 Qualifying age for the pension is likely to rise so plan for a longer stay in the workforce 5 With people living longer, it’s a good idea to get advice on stretching your savings further To read the full report, go to treasury.gov.au/PublicationsAndMedia/ Publications/2015/2015-Intergenerational-Report A few extra dollars into super could make a big difference One simple way to boost your super savings and future retirement income is to put a bit extra into super. And if you make these extra contributions from your before-tax salary (called salary sacrificing) you could also reduce your tax. Call us if you would like to talk to one of our experts about the best contribution strategy for you. 6 SuperNews | September 2015 A median income earner can expect a retirement income equivalent to about 79% of their pre-retirement income or take-home pay. According to ASFA, a retiring couple would need a superannuation balance of $640,000 to maintain a comfortable expenditure level of $58,915 per year in retirement3 . For the many people with a lower super balance, a realistic target might be something between modest and comfortable. The good news is that even a small super balance can improve your retirement lifestyle. AIST estimates that the combination of age pension and an income stream taken even from a relatively modest super balance of $100,000 could boost your weekly income by $110, enough to meet the modest retirement standard. Bear in mind that the relationship between the age pension and your super is complicated. If you have any questions, or you would like one of our financial planners to review your personal situation, call us on 1300 650 873 or visit firststatesuper.com.au/advice to make an appointment.4 really need?doyousuper A balance of $150,000 would generate a weekly income of about $163, according to AIST’s calculations. Or $330 per fortnight. That’s 38% more than the age pension alone1 . The fundamental point of AIST’s Super Reality Check report was that, if you’ve got a low super balance, there’s no need to be down about it. That’s not to say you shouldn’t do everything you can to maximise your retirement wealth. But don’t feel demoralised if a million dollar nest egg is out of reach. A smaller balance can still make a big difference, and every little bit extra that you put away will help supplement the age pension and fund a better lifestyle in retirement. 1 Super Reality Check AIST August 2015 2 Includes pension supplement and Clean Energy Supplement as at September 2015 3 ASFA Retirement Standard September 2015 The age pension plays a significant role in supplementing the retirement income for many retirees. Compulsory superannuation guarantee (SG) was introduced in 1992. It began at a rate of 3% of wages, rising to 9% in 2003 and recently to 9.5%. Balance that a full-time worker on median wages from 1992-2014 could expect to have in super based on compulsory super guarantee contributions alone. $95,000 Many people on lower wages (which, by definition is half the working population) or who have spent time out of the workforce in the last 23 years will have less. 3% 9% 9.5%This means that during this period, the average SG rate has been about 7.5% 79% 4 Financial planning advice is provided by First State Super Financial Services Pty Ltd ABN 37 096 452 318, AFSL 240019. 7 firststatesuper.com.au | Call 1300 650 873 | Email enquiries@firststatesuper.com.au A window to the future Average annual real GDP growth % Debt/Surplus Health spending 3.1% 2.8% Debt 15.2% of GDP 4.2% of GDP ($2,830 per person) 5.5% of GDP ($6,460 per person) Projected surplus 0.5% Headcount Median age Life expectancy 36.8years 40.4years 91.5 93.6 95.1 96.6 23.8m 39.7m Average income Participation rate Women aged 15-64 in work $66,400 $117,300 All 64.6% 12.9%65+ All 62.4% 17.3%65+ 66% 70% Number of people aged between 15 and 64 for every person aged 65 Age 65+ Age 85+ Age 100+ 4.5 3,600,000 500,000 5,000 2.7 8,900,000 2,000,000 40,000 The ageing population Today 2055 Workforce Population Economy Australia in 2055 Source: treasury.gov.au/PublicationsAndMedia/Publications/2015/2015-Intergenerational-Report (last 40 years) (next 40 years) 7 firststatesuper.com.au | Call 1300 650 873 | Email enquiries@firststatesuper.com.au
  • 4. Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au Corporatecommunications QantasSuper For QantasSuper I’ve worked on a wide variety of projects including this Member Guide Supplement which is designed to inform members about their investments. Division 6 - Qantas Member Guide Supplement 1 Member Guide Supplement Contents 1. About Qantas Super Division 6................3 2. how super works.............................................4 Contributions and rollovers........................4 Building your benefits...................................8 Leaving Service Benefits.............................9 Accessing your benefits.........................10 Leaving the Plan............................................ 13 3. benefits of investing with Qantas Super Division 6.............................17 4. risks of super.................................................. 18 Risk and return............................................... 18 5. how we invest your money.....................21 Investment options.....................................21 MIC Options........................................................21 Term Deposit Option................................... 24 Your options in detail.........................................26 Qantas Superannuation Plan 6. Fees and costs.............................................. 29 Additional explanation of fees and costs......................................... 30 The cost of managing your investment.............................................. 31 7. how super is taxed...................................33 8. insurance in your super...........................35 Standard Insurance Cover .....................35 Additional Voluntary Insurance Cover.............................................37 9. how to open an account........................38 10.other information..................................39 Definitions...........................................................41 Contacting us................................................. 44 DiviSion 6 issued 3 December 2012 2 Division 6 - Qantas Member Guide Supplement Welcome Introduction The information in this document forms part of, and should be read together with, the Division 6 Member Guide – Product Disclosure Statement (PDS) for the Qantas Superannuation Plan issued on 3 December 2012. Please read it carefully and keep it with your personal financial documents. Each year you will receive a Benefit Statement, which will show details of your transactions and current benefit entitlements. In addition, the Trustee also publishes an annual report on the website www.qantassuper.com.au to supplement the information provided on your Benefit Statement. Note: We may update this supplement from time to time. For the latest version, please check the website www.qantassuper.com.au. You can request a paper copy of updated information at any time free of charge. This Member Guide Supplement is not financial product advice and does not take into account your objectives, financial situation or needs. This Supplement is not intended to take the place of a licensed financial adviser who understands your objectives, financial situation and needs. The Trustee recommends that before acting on any information contained in this document, you seek financial advice from a licensed financial adviser that is tailored to your personal circumstances. The definitions that are used in this document are stated on pages 41 and 42. Tip: Keep all your super-related material together for future reference. Trustee Qantas Superannuation Limited ABN 47 003 806 960 (QSl or Trustee) as Trustee holds the following licences: ■■ a Registrable Superannuation Entity (RSE) licence which allows the Trustee to be the trustee of the Qantas Superannuation Plan, (Qantas Super or Plan) (ABN 41 272 198 829); and ■■ an Australian Financial Services Licence (AFSl), which allows the Trustee to provide general superannuation product advice. The Trustee will provide you with information regarding significant events impacting the Plan, including events that may have an adverse effect on your benefits. This Member Guide Supplement is designed to provide you with details about your benefits and entitlements and to describe the features of the division including the options available to you. Welcome to Division 6 of the Qantas Superannuation Plan. Division 6 was established to provide you with a flexible plan to accumulate wealth for retirement. Division 6 - Qantas Member Guide Supplement 3 Qantas Super is one of Australia’s largest corporate super funds, with more than 33,000 members and almost $6 billion in assets. Qantas Super is for current and former employees of the Company (defined as Qantas Airways Limited and associated employers) and their spouses. We focus on delivering strong investment returns, and a range of valuable benefits and services for our members. Eligibility for membership To be eligible to join Division 6 of the Plan, you must be an eligible employee of the Company. Your employer will notify you if you are eligible. Transfer offer Existing employees of the Company who have been offered a transfer from another division of the Plan to Division 6 due to a promotion or a transfer offer made by the Company are also eligible to join Division 6. Choice of fund Choice of fund allows you to choose the superannuation fund to which your superannuation contributions are to be paid by the Company. However, if your enterprise agreement selects a superannuation fund, the Company will make superannuation contributions for you to that superannuation fund. Where your enterprise agreement selects the Plan as the superannuation fund, you will automatically be admitted as a member of the Plan. 1 AbouT QAnTAS SuPer DiviSion 6 Focused on delivering strong investment returns for members The Company has selected the Plan as the default superannuation fund. If you do not select a superannuation fund prior to commencing employment with the Company, you will also be automatically admitted as a member of the Plan until you choose to select another superannuation fund. If you choose a superannuation fund other than the Plan, you may (if permitted by Company policy) also join Division 6 at a later date. Spouse account While you are a member of Division 6 you may establish an account for an eligible spouse. Information on Spouse Accounts is contained in the Division 11 Member Guide (Product Disclosure Statement), available on our website www.qantassuper.com.au. 26 Division 6 - Qantas Member Guide Supplement 100% Risk controlling assets 100% Cash 25% Return seeking assets 8% Australian shares 10% International shares 2% Private equity 5% Return seeking alternatives 75% Risk controlling assets 10% Risk diversifying alternatives 65% Fixed interest and Cash overview For investors who want exposure to cash and short-term money market returns. The risk of negative returns is very low. The returns are stable but usually low. Investment return objective ■■ To achieve a return equal to the UBSA Bank Bill Index, after tax and investment expenses, over a rolling one year period. ■■ To never achieve a negative annual return. Characteristics By investing in cash and the short-term money market, the Cash Option provides access to stable, but usually low, returns. As a result, the risk of negative returns is negligible: ■■ Expected average net return 3.8% p.a. ■■ Standard deviation 0.8%. ■■ Probability of negative annual return 0.0%. Minimum suggested time to invest No minimum time applicable. Risk level The investments have a very low degree of risk. The estimated number of negative annual returns over any 20 year period is 0. overview For investors who want stable, modest returns, with a relatively low to medium likelihood of negative returns. Investment return objective ■■ To achieve a return that exceeds CPI by at least 3.0% p.a. over a 3 year period, after tax and investment fees. ■■ To outperform the notional return on the benchmark portfolio. ■■ To limit the likelihood of a negative annual return to 1 in 20 (or 5%). Characteristics A large proportion of the Conservative Option is invested in risk controlling assets, resulting in stable, modest returns, with a relatively low likelihood of negative returns. The small allocation to return seeking assets provides some growth opportunities. ■■ Expected average net return 5.5% p.a. ■■ Standard deviation 4.3%. ■■ Probability of negative annual return 6.7%. Minimum suggested time to invest 3 years. Risk level The investments have a low to medium degree of risk. The estimated number of negative annual returns over any 20 year period is 1.1. Simulated history The diagram below illustrates a 10 year history of the Cash Option, simulated from the returns of the dominant asset class indexes, net of estimated tax and fees. From 1 April 2005 actual CIRs for this option are used. Simulated history The diagram below illustrates a 10 year history of the Conservative Option, simulated from the returns of the dominant asset class indexes, net of estimated tax and fees. From 1 April 2005 actual CIRs for this option are used. Cash option Conservative option -15% -10% -5% 0% 5% 10% 15% 20% 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 4.0 4.3 4.5 4.7 4.5 5.1 5.8 Highest 4.2 3.2 Lowest 4.2 -15 -10 -5 0 5 10 15 20 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2.3 5.5 6.4 10.2 Highest 6.4 7.3 1.2 -0.6 Lowest 7.5 6.9 Your options in detail Very Low Low Very HighHighMedium Very Low Low Very HighHighMedium The simulations shown in these graphs for periods prior to 1 April 2005 are based on theoretical portfolios invested in index products, net of 15% tax. Investment performance can go up and down. Past performance and simulations of this type may not be a reliable indicator of future performance. Division 6 - Qantas Member Guide Supplement 27 50% Return seeking assets 16% Australian shares 20% International shares 4% Private equity 10% Return seeking alternatives 50% Risk controlling assets 10% Risk diversifying alternatives 40% Fixed interest and Cash 70% Return seeking assets 20% Australian shares 25% International shares 5% Private equity 20% Return seeking alternatives 30% Risk controlling assets 10% Risk diversifying alternatives 20% Fixed interest and Cash overview For investors who want a return above CPI over a 5-year period, with a medium degree of risk. Investment return objective ■■ To achieve a return that exceeds CPI by at least 3.5% p.a. over a 5 year period, after tax and investment fees. ■■ To outperform the notional return on the benchmark portfolio. ■■ To limit the likelihood of a negative annual return of 3 in 20 (or 15%). Characteristics The Balanced Option provides a mix of asset classes, combining the growth features of the return seeking assets with the stability of the risk controlling assets. ■■ Expected average net return 6.9% p.a. ■■ Standard deviation 8.0%. ■■ Probability of negative annual return 14.7%. Minimum suggested time to invest 5 years. Risk level There may be short-term medium-term volatility in these asset classes, as the investments have a medium degree of risk. The estimated number of negative annual returns over any 20 year period is 2.9. overview For investors who want a high return above CPI over a 5-year period, with a medium to high degree of risk. Investment return objective ■■ To achieve a return that exceeds CPI by at least 4.0% p.a. over a five year period, after tax and investment fees. ■■ To outperform the notional return on the benchmark portfolio. ■■ To limit the likelihood of a negative annual return to 4 years in every 20 years (20%). Characteristics The Growth Option is dominated by return seeking assets, although a small proportion of risk controlling assets are held. ■■ Expected average net return 7.9% p.a. ■■ Standard deviation 10.9%. ■■ Probability of a negative annual return 18.8%. Minimum suggested time to invest 5 years. Risk level There may be short-term medium-term volatility in these asset classes, as the investment has a medium to high degree of risk. The estimated number of negative annual returns over any 20 year period is 3.5. Simulated history The diagram below illustrates a 10 year history of the Balanced Option, simulated from the returns of the dominant asset class indexes, net of estimated tax and fees. From 1 April 2005 actual CIRs for this option are used. Simulated history The diagram below illustrates a 10 year history of the Growth Option, simulated from the returns of the dominant asset class indexes, net of estimated tax and fees. From 1 April 2005 actual CIRs for this option are used. Balanced option Growth option -15 -10 -5 0 5 10 15 20 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 -1.6 1.9 11.1 12.3 Highest 10.9 12.0 -2.6 -6.4 Lowest 8.6 8.9 -15 -10 -5 0 5 10 15 20 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 -4.6 -1.1 14.7 14.0 14.7 15.9 Highest -6.0 -11.3 Lowest 8.8 10.2 Very Low Low Very HighHighMedium Very Low Low Very HighHighMedium The simulations shown in these graphs for periods prior to 1 April 2005 are based on theoretical portfolios invested in index products, net of 15% tax. Investment performance can go up and down. Past performance and simulations of this type may not be a reliable indicator of future performance.
  • 5. Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au Corporatecommunications QantasSuper PASSPORT What’s your destination? It’s easy to get overwhelmed by the idea of planning your retirement by yourself. It seems like there’s so much to organize and so much to do. The great news is you are not alone. In Qantas Super, you have a retirement travel partner who is an expert. As the default superannuation fund for most Australian- based employees of the Qantas Group, we’ve been looking after members’ retirement savings since 1939. With more than 32,000 members and about $7 billion in assets, Qantas Super is now one of Australia’s largest corporate super funds. INVESTMENTS How to plan your trip in 6 easy steps Gateway is our flagship solution designed to provide a first class entry to your retirement destination. Retirement may be the trip of your lifetime and we have designed Gateway to look after you for the whole of your life. Following are some of the best tips we recommend to help plan your retirement trip: Gateway WHAT’S YOUR RETIREMENT DESTINATION? Qantas Gateway Ok, so this sounds familiar, right? You’re used to juggling dates and times, but what if you had to choose the most suitable airline as well? With investing, like finding a flight deal, the trick is to do your research to hunt down the solution that works best for you. In Qantas Gateway, you have a range of investment options giving you the flexibility you need to reach your desired destination. The key to investing is starting early and picking the option(s) that best meet your needs. You can choose to invest in one or a mix of investment options in Qantas Super: ■■ Glidepath – we’ll do the work for you. This option is designed to provide a greater opportunity for growth in your super early in your career and then reduce your exposure to higher risk investments as you near your retirement age. In this option, your super will be automatically invested in one of Glidepath’s four investment stages as your age changes – Take-off, Altitude, Cruising and Destination. This option is also the MySuper product and default option for Gateway members who have not made an investment choice. ■■ Other options. You can also choose from a range of other options including Cash, Conservative, Balanced, Growth, Aggressive and Term Deposit (conditions apply). 2 Book your flight PASSPORT What’s your destination? Still not sure which is the best deal? Here’s some more detail on your investment options: ■■ Glidepath: An investment option designed to provide greater exposure to growth assets early in your career and then to automatically reduce your exposure to growth assets as you near retirement. ■■ Cash: For investors who want exposure to cash and short-term money market returns. ■■ Conservative: For investors with a time horizon of at least three years, who want stable, modest returns, with a relatively low to medium likelihood of negative returns. ■■ Balanced: For investors with a time horizon of at least five years, who want an investment portfolio balanced between growth and defensive assets, with a medium degree of risk. ■■ Growth: For investors with a time horizon of at least seven years, who want to achieve high returns driven by a large exposure to growth assets, with a medium to high degree of risk. ■■ Aggressive: For investors with a time horizon of at least 10 years, who want an investment portfolio predominantly invested in growth assets, with a medium to high degree of risk ■■ Term Deposit: This option is only available for certain members. Call to action to go here. The QantasSuper passport was designed to be a fun and tongue in cheek way to communicate to members. I explored a variety of options with the design of the passport, with the client deciding to go for the literal facsimile of a passport.
  • 6. Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au UTS Prospectus The Institute for Sustainable Futures is a research department within UTS which work with government, industry and other research institutions to develop policy for a more sustainable future. This prospectus was designed to promote a new project which they were seeking to secure funding and co-operation from other institutions. Water for australian agriculture: Securing local and global food supplies: Expression of interest IntroductIon the Minderoo Group has outlined a proposal for increasing agricultural production in Australia, through the development of groundwater reserves. this is an exciting and timely intervention in policy debate in Australia, and the university of technology Sydney (utS) welcomes the initiative. We are delighted to respond with this overview of our interests in, and capability for rising to this challenge. utS recognises the importance of innovative solutions to the world’s problems, including global food security, and have a proud tradition of approaching these problems in a practical, interdisciplinary and engaging way. What We aim to do… The University of Technology Sydney proposes to engage with the Minderoo Group to generate and apply new knowledge to an old problem, namely, how best to use land, water and other resources wisely to benefit Australia and the world through improving food security? We propose to address the key issues identified by the Minderoo Group. Through this work, we seek to: ■■ confirm the size and sustainability of groundwater resources; ■■ investigate the most appropriate areas for new agriculture development, including the crop/plantation types most suited to the environment; ■■ identify incentives required for the agricultural industry to embrace new agricultural development based on security of water; ■■ research the most appropriate methods of developing and transporting water given the location and remoteness of many of the sources; ■■ investigate cost-efficient energy sources required to extract and distribute the water; and ■■ quantify economic benefits on a local and national level Page 2 Water for Australian Agriculture: Expression of interest HoW WE AIM to do It We have identified a series of indicative “work packages” to drive these solutions forward. these are illustrated below and could be conducted at either a state or national level Plan ■■ Conduct scoping study including, review of stakeholders, data available, assessment of the potential of “bright ideas” and knowledge gaps ➔Research plan “What if” scenaRio Planning ■■ Conduct case studies to illustrate more detailed analysis ■■ Stakeholder engagement in industry scenario planning ■■ Synthesis of research and identification of pathways to implementation ➔Roadmap report situation analysis ■■ Identify the extent and sustainability of groundwater (and surface water) resources ■■ Identify food security needs and markets ■■ Identify existing and potential agricultural areas, and agricultural production and crop types ➔multi layer water-agricultural model model layers ■■ Stakeholder governance zones and boundaries ■■ Potential agricultural areas (irrigation, non irrigation, products & crop type) ■■ Existing agricultural areas (irrigation, non irrigation, products & crop type) ■■ Climate zones ■■ Soil type/nutrient ■■ Water quality ■■ Groundwater sources (hydrogeology & hydrology) ■■ Surface water sources ■■ Infrastructure ■■ Population zones (nutrient hotspots) ■■ Topographical and cadastral maps Research Individual “bright idea work packages” taken forward at state and national scale uts data aRena theatRe “What if” agricultural scenarios model outPuts ■■ Demand ■■ Supply ■■ Options ■■ Costs ■■ Benefits ■■ Scenarios WateR and agRicultuRal decision suPPoRt system ■■ Identify the most appropriate options, combining technical, economic and institutional solutions, to support the development of new agricultural initiatives ■■ Investigate innovative approaches to energy and nutrient requirements ■■ Quantify economic costs and benefits of options at local and national level ➔scenario planner component of model Page 3 Water for Australian Agriculture: Expression of interest integRated suPPly demand Planning – eveRy dRoP counts decision-making fails if not all the options are on the table. developing and assessing multiple solutions, multiple water sources and configurations and importantly including the demand-side in the analysis can significantly reduce costs and impacts and increase flexibility. Can Tho, Vietnam Sanitation Options Study – Australian Agency for International Development The Hague, Water demand management framework Alexandria, Egypt, Integrated supply-demand planning Madrid, Spain, Benchmarking for best practice water demand management US EPA Washington DC, United States, Decentralised water and sanitation London, United Kingdom, The International Demand Management Framework - International Water Association Sydney, Alice Springs, Canberra, Melbourne, Brisbane, Adelaide, Australia, Water supply-demand planning and drought planning Salalah, Sultanate of Oman, Groundwater resource management and planning From the coastal city of Salalah in the Sultanate of Oman and Alexandria in Egypt to the Greater Sydney Region in New South Wales and Exmouth in Western Australia, integrated supply demand planning for water has helped planners and decision-makers to manage water resources wisely and meet the challenges of extreme drought. Integrated supply demand planning considers both the supply and the demand side of the water sector, it recognises that the water itself is just the means to an end: growing food; maintaining healthy communities and creating amenity. Meeting those needs can be achieved through increasing supplies, and/ or it can be met by improving the efficiency of use through smarter methods, better equipment, alternate sources of water or a combination of all of this. These planning methods and associated models can point the way to dramatically reduce costs and improve reliability by determining the optimal mix of supply expansion, alternate supplies, pricing, incentives and regulatory options, water efficiency measures and smart systems. The Institute for Sustainable Futures (ISF) at the University of Technology Sydney is a world leader in applying these methods of analysis, planning and economic assessment, as well as implementation and evaluation across Australia, and internationally. During the Millennium Drought, the ISF team was sought after to undertake applied research and advise governments and utilities in all mainland states and territories. That research ranged from emergency drought response strategies for a number of government agencies, the first application of real options analysis in Australia, for the NSW Cabinet and design and analysis of major campaigns, including for the Queensland Government. The National Water Commission funded the ISF team to develop guidelines for utilities and governments, and to improve modeling methods using the Integrated Supply Demand Planning (iSDP) model, developed by ISF starting in 1997. Following the end of that drought period, Australian interest in these planning methods has reduced, and the ISF team is negotiating to apply them internationally, in areas where drought is acute, including California and Brazil. ISF staff wrote the International Water Association manual on these planning methods, funded by the Madrid water utility, Canal Isabel II. These methods, and the application of water efficiency and alternate sources, hold significant potential in Australia, with much untapped potential for irrigated agriculture and for the urban water sector. They have been demonstrated to reduce capital and operating costs and increase reliability. They are usually quicker to roll out and have a greater employment intensity. BrIGHt IdEAScontinued Page 6 Water for Australian Agriculture: Expression of interest life’s bottleneck – the stoRy of PhosPhoRus decisions and scenarios for large scale “wicked” problems are too complex to use traditional, linear decision-making methods: new approaches, using visualisation, mapping, scenario builders and stakeholder input are essential. Australia has developed its agricultural export industry on the foundation of importing phosphorus from Nauru, and more recently through substituting domestic production for at least half of all demand for fertiliser. Decreasing ore grades for phosphate rock, increasing concerns about the negative impact of run-off from soils, and the likelihood of future price increases all mean that a rethink is needed of the future of phosphorus in Australia, and globally. The current path for phosphorus use in the world, and in Australia is not sustainable, due to the significant levels of inefficiency, to the certainty of supply-demand problems in the coming decades and the vulnerability to potentially volatile markets. Without attention, this is likely to form a major constraint to the expansion of agricultural production, more so than land or water. Moving towards a sustainable phosphorus future can be achieved by reducing our dependence on imported and domestic rock, by diversifying phosphorus sources through investing in renewable phosphorus fertilisers, increasing the efficiency of use throughout the system (not just in agriculture) and maximising recovery and reuse of phosphorus. These measures will also have positive environmental impacts by reducing water pollution, water demand, waste disposal to landfill and to energy consumption. Achieving such a scenario will require substantial changes to the currently fragmented institutional arrangements surrounding the food system. For example, developing new partnerships and policies between the wastewater and fertiliser sectors, identifying the barriers and putting in place the enablers based on methods used internationally. There is a need to build capacity within government, industry and the research community and continue to develop frameworks for dealing with the issue. The ISF team has put this issue on the world map. In 2008, as the price of phosphorus was rising by 400%, it co-founded the Global Phosphorus Research Initiative. In 2012, Dr Dana Cordell and Professor Stuart White were awarded the Eureka Prize for Environmental Research for their work on global phosphorus security. BrIGHt IdEAScontinued eneRgy oPtions foR WateR secuRity – futuRe diRections Water provision is increasingly energy intensive. conventional energy solutions need to be supplemented with locally appropriate renewable systems, energy efficiency and peak demand management. Australia ranks as having one of the richest resources base for renewable energy in the world. Take-up of renewable energy opportunities have been significant in photovoltaics particularly at the household scale, and in wind energy at the transmission scale, especially in South Australia. Solar thermal energy also has great long term potential in Australia, especially in areas of high DNI (direct normal irradiance – annual energy from sunlight) such as inland areas, but is constrained by the current higher cost. Researchers at the Institute for Sustainable Futures at the University of Technology Sydney have been conducting research into new methods for increasing the economic viability of solar thermal power stations, through hybrid systems (combining solar thermal plants with biomass or refuse derived fuel) or through exploiting the potential for solar thermal plants with molten salt storage to be located near areas of constraint in the distribution or transmission network. ISF carried out a major study on the latter for ARENA and for the former at the site of the Swanbank Power Station near Ipswich in Queensland. These methods would be ideally suited for proving electricity of treatment or pumping, particularly in inland areas. Page 7 Water for Australian Agriculture: Expression of interest
  • 7. Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au AnnualReport Thorn This design pitch was for Thorn – a company best known for their Radio Rentals brand, but who also provide short term financial loan products. The concept behind this design was to represent the wide variety of products that Thorn offer and how they can serve their customers. 2015 Shareholder Review Building a diversified financial services business For our customers 6 Thorn Group Shareholder Review Thorn Group Shareholder Review 7 Managing Director’s Report Tatium dolor asit pa nobis comnis mostoris dolende litatur ad ex eicimusanit nonsequist, quam, int, verem aliaestem accum quiam rectaturem enditi sum nihitem poriscidundi solumqui te sam velis ra simolupta voluptatur? Financial Performance Sa que nis aut et eum quis ande ate res sunt et quati ad entusa sum simagniente estruntia parum fuga. 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When rapid growth meant that the company needed assistance with its receivables management, NCML was able to supply a cost effective solution. 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  • 8. Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au Productbrochure BetaViewWindows BetaView Windows needed a new product brochure which could both promote the quality of their products and services, while also serving as a detailed catalogue of the specifications of their products. I worked closely with the Marketing Manager to develop the structure and design of this brochure which presents BetaView’s products. The aim was to highlight the quality of their build and design, while also providing detailed information in a “non‑pushy” way to help customers to make a purchasing decision. Create the ultimate entertaining area with an impressive design If you are looking for an impressive window for kitchens and entertainment areas, look no further than the Signature Bi-fold Window. Revealing to full-width when in the open position, this design can be configured to open either left or right, or both sides. Smooth movement is provided by a high performance roller system, giving an effortless gliding action – an advantage noticed where openings are positioned over worktops or sink areas. Panel widths can reach up to 900mm, allowing for least interruption of views, where possible. Combine with a Bi-fold Door where a kitchen leads to a deck or backyard for the ultimate entertaining area. Technical Data Frame depth 100mm Max. height 2000mm Max. panel width 900mm Max. glass thickness 12.38mm (single glazed), 22mm (double glazed) Max. bushfire attack level BAL 40 Contact us on 1300 44 64 44 to find out how we can help. Key benefits › Creates a full width opening › Suits entertainment and servery areas › Excellent design feature › Configurations to open left, right or both sides Have you considered? Signature Sliding (Servery) Window? Turn to page 16 to compare. Colour Options Please refer to the BetaView Colour Options sheet Upgrades Glass options SmartGlass available for improved comfort Bushfire Attack Compliance Available up to and including BAL 40 Modify existing openings with our cut out/cut down service Signature Bi-fold Window 20 Signaturerange Create stylish living spaces between the interior and exterior of your home The 100mm Signature Bi-fold Door is the ideal lifestyle design. The contemporary styling and gliding panels create an impressive feature in key living areas. Perfect for homeowners who love to entertain, the useful single panel lead door (available in three, five and seven panel configurations) also offers a practical entry point for everyday access to the outdoors. A tried and tested design, the Signature Bi-fold Door offers secure locking mechanisms for all panels as well as high performance rollers for effortless operation. Signature Bi-fold Door Technical Data Frame depth 100mm Max. height 2450mm Max. width 6500mm Max. panel width 840mm Max. glass thickness 12.38mm (single glazed), 24mm (double glazed) Max. bushfire attack level BAL 40 Contact us on 1300 44 64 44 to find out how we can help. Key benefits › Ideal lifestyle choice for the home › Available with multiple panels to suit various applications › Lead door offers single panel access for everyday use › Great upgrade from a sliding/ stacking door Have you considered? Signature Stacker Door Turn to page 22 to compare Colour Options Please refer to the BetaView Colour Options sheet Upgrades Glass options Smart Glass for improved comfort Bushfire Attack Compliance Available up to and including BAL 40 Modify existing openings with our cut out/cut down service 21 Signaturerange Step-up to the Signature range for premium styling, a wider selection of products and the ability to effectively fill larger openings. Those looking to upgrade, renovate or build new will find inspiring lifestyle options in this range of modern and impressive designs. › More versatile and able to fill larger openings › Suitable for those looking to achieve improved lifestyle options › Premium styling and greater framer depth › Ideal for upgrades, renovations and new-builds › Enhanced performance and capabilities Signature range Enhanced design capabilities and a deeper frame for premium styling We chose BetaView products and services based on both pricing and professionalism. We contacted six different companies to have a good idea of the market. BetaView were the best value and the most professional. Florence, Malabar the SUPPLY INSTALLATION experts 1300 44 64 44 | betaview.com.au Product Brochure
  • 9. Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au 1990s Yehudi Menuhin visited the Con and gave masterclasses to our students, including Susie Park, Sunny Roh and Katie Betts. 1990s Barry Tuckwell after receiving his honorary doctorate of music from the University of Sydney. The Con joined forces with the University of Sydney with Sharman Pretty (above) at the helm in the mid 1990s. 1990s Barry Ryan OAM – Celebrant Australian baritone Barry Ryan graduated with honours from the Sydney Conservatorium of Music where he is now a lecturer in Voice and Opera. His many awards for singing include the Shell Aria, the New York Metropolitan Auditions, the Marten Bequest for Singing, the Vienna State Opera Award and the Green Room Award. In 2013, Barry Ryan received an Order of Australia for his services to classical music. Barry has performed with Europe’s leading opera companies including the Royal Opera Covent Garden, La Scala Milan, the Opera Comique in Paris, the Paris Opera Bastille, the Deutsche Oper am Rhein Düsseldorf, the Flemish Opera Antwerp, the Komische Oper Berlin, Basel Opera and the Otono Festival Opera Madrid. He was a principal artist with the Cologne Opera from 1988 to 1992. Barry made his Australian opera debut in 1993 and has since performed for Opera Australia, Wide Open Opera Dublin, Opera Queensland, Victorian Opera, West Australian Opera and Canterbury Opera. His leading roles include the title role of Nixon in Nixon and China, George Milton in the Australian Premiere of Of Mice and Men, Sharpless in Madama Butterfly, Gunther in Götterdämmerung, Marcello in La Bohème, Count di Luna in Il Trovatore, Renato in Un Ballo in Maschera, Amonasro in Aida, the Father in Hänsel und Gretel, Pizzarro in Fidelio, Mister Redburn in Billy Budd, the Gamekeeper in Rusalka and Tonio in I Pagliacci. His world premieres include Scully in The Riders, for which he has been awarded a Greenroom Award, Alex in Bliss, for which he was nominated for a Helpmann Award, Prosecuting Counsel in Lindy, Wiebbe Hayes in Batavia and Barney in The Summer of the 17th Doll. Barry has performed in concerts throughout Europe, Australia and Asia. He has performed with the London Symphony Orchestra, the Scottish Symphony Orchestra, the Norwegian Symphony Orchestra, the Shinsei Nihon Symphony Orchestra Tokyo and all the major Symphony Orchestras in Australasia. 1997 The Last Night of the Con concert, 29 November 1997, in the Verbrugghen Hall before redevelopment of the site commenced. 1996 The trio of Gerard Willems, Christopher Kimber and Michael Halliwell after a 1996 tour of Southeast Asia. 1999 In September 1999, the Con Chamber Orchestra, conducted by Wolfram Christ, toured South Africa. Matthew McDonald, the double bass player, is pictured here with students. amalgamation Gondwana Sydney Children’s Choir Lyn Williams OAM Bernie Heard Artistic Director and Founder General Manager Founded as Sydney Children’s Choir in 1989 by Lyn Williams OAM, Gondwana Choirs has grown to include Gondwana National Choirs and Gondwana Indigenous Children’s Choir. The organisation has built a worldwide reputation for choral excellence and occupies a unique position in the Australian landscape, having developed its repertoire through the commissioning of more than 200 works. Singers from all three arms of the organisation have come together on several occasions, most recently in 2014 for the world premiere performances of Jandamarra – Sing for the Country by Paul Stanhope. Sydney Children’s Choir comprises 22 training and performance ensembles for children aged 5–16, and the Senior Choir regularly collaborates with the nation’s leading ensembles. 2015 highlights include concerts with Sydney Symphony Orchestra, a tour to Hong Kong and mainland China, and a new commission, Anzac Notes, by Elena Kats-Chernin for the Kokoda Memorial, to be recorded and broadcast by the ABC. Lyn Williams OAM Artistic Director & Founder Lyn Williams OAM is Australia’s leading director of choirs for young people, having founded two internationally renowned choirs: Sydney Children’s Choir in 1989 and the national children’s choir, Gondwana Voices, in 1997. Under her inspirational leadership, the Gondwana Choirs organisation has grown to include 22 ensembles of the Sydney Children’s Choir; five choirs, Composer School and Conducting Academy in Gondwana National Choirs; and, the Gondwana Indigenous Children’s Choir, with regional hubs in Cairns and Campbelltown. Lyn’s exceptional skill in working with young people is recognised internationally for its high artistic quality and ground-breaking innovation. She has conducted Sydney Children’s Choir, Gondwana Voices, Gondwana Chorale and Gondwana Indigenous Children’s Choir nationally and internationally. Lyn is a recipient of the NSW State Award and is an award-winning composer. In 2004, she was awarded an OAM in recognition of her services to the Arts. Suebin Bae Guian Balan Bridie Batterham- Murphy Lucy Blomfield Holly Boswell Amelia Brown Christina Burjan Honey Christensen Gracia Clifford Beatrice Colombis Stella Davy Jasmine Delaney Gabriel Dillon Michael Donohue Cassandra Doyle Oscar Drew Isabella Emanuel Lily Fowler Liam Green Talia Greenfield Danah Gressel-Keich Dominic Grimshaw Emma Guitera Benjamin Hamilton Ali Hardy Chloé Hart Rebecca Hilliard Abel Hofflin Patsy Islam-Parsons Tovia Jakovsky- Coleman Maeve Kelaher Jonathon Kelley Emma Korrell Jiayi Liu Eloise Loewy Jemima Lorenz Jackson Low Stephanie Macindoe Belle MacLeod Owen MacNamara Aedan MacNamara Cecilia Maddox Anna Marsh Gabrielle Montalbo Eloise Morrison Stella Mountain Jade Ng Theo Picard Florence Poon Alexandra Raleigh Josh Reimer Emma Renaud Ariana Ricci Julia Spiteri Isabella Sucking Piet Tombs Jessica Trevelyan Sasha Trevelyan Beatrice Tucker Olivia Wei Imogen Williams Jules Wittenoom Louw Ysobel Yew centenary The Centenary Celebration of the Sydney Conservatorium of Music Wednesday 6 May 2015 | Sydney Opera House Concert Hall Presented by the Sydney Conservatorium of Music and Sydney Opera House I can’t help being impressed by MASS’s unabashed two‑fold sincerity. […]This is a work that stakes everything. I can think of few creative acts in recent times that take so many risks and achieve so much. – Peter G. Davis (1972) 1945 Poster for a recital by Marjorie Hesse, who was a piano student of Frank Hutchens. 1945 Noel Mewton-Wood, an Australian- born concert pianist who achieved international fame. Sir Eugene Goossens was jointly appointed as Director of the Conservatorium and Chief Conductor of the Sydney Symphony Orchestra in 1946. 1940s At times the MASS is little more than fashionable kitsch. It is a pseudo‑serious effort at rethinking the Mass that basically is, I think, cheap and vulgar. It is a show‑biz Mass, the work of a musician who desperately wants to be with it. – Harold C. Schonberg (1971) Program notes collaboration Babel’s voices: Rites and Rituals in Bernstein’s MASS By definition separate and opposing concepts, the sacred and the secular are in fact intimately intertwined. It is often claimed that in the West today we live in a thoroughly secularised age, and yet many continue to cultivate a spiritual dimension to their lives. Where earlier ages might typically have sought this in religious practices, a wide variety of paths are followed nowadays by those seeking spiritual enlightenment, peace or a sense of the transcendent. By virtue of its incorporeal nature, music is the art form most often used to reach this ‘other place’, and has in fact been employed to enhance religious rites for thousands of years. It is against the twin backdrops of this older musico-religious tradition and the modern secularised condition that Leonard Bernstein’s gargantuan MASS (1971) needs to be understood. A two-hour work that explores the value of ritual in contemporary society, it attempts to bridge the sacred- secular divide in ways that are controversial and confrontational. It uses liturgical texts but was intended for the concert hall. It employs a bewildering range of musical styles, from typical ‘Church’ genres to the most profane popular music types. This panoply of musics (the plural is deliberate) was surely Bernstein’s attempt to be inclusive and all-encompassing, although whether the stylistic eclecticism is thought exhilarating or confusing is a matter of personal taste. The extent to which it succeeds in its larger aims will again depend on the individual listener, but at the very least, it offers an intriguing perspective on issues that continue to engage society, even in the allegedly post- religious West. The story of Western art music is intimately connected with Christian religious practices. Most histories really get going with the attempts to devise a notation for the chant used in church services towards the end of the first millennium AD. From this invention stemmed the entire wealth of sacred and secular music that relies on staff notation. Based on what has survived in notated form, it can be said that sacred music was the more important and prestigious sphere until at least the seventeenth century, while secular music has been more cultivated after the middle of the eighteenth century, a change which reflects larger societal developments within modernity. Interestingly, music itself became a kind of ersatz religion for some people in the nineteenth century: it was listened to with the same reverent attentiveness, and with the hope of gaining spiritual insights. The stillness and silence expected in concert halls to this day testifies to a continuing belief in music’s ability to convey a kind of otherworldly experience. As it happens, much music originally written for sacred worship is nowadays more often heard in concert performance, where it arguably answers a similar underlying need. Hearing sacred compositions in secular spaces is just one modern instance of the interpenetration of the two domains. In times past the two more frequently overlapped, as any exploration of the historical record reveals. When medieval composers combined two or more lines of music together in motets, it was absolutely normal for one line to be based on a Latin chant, and another to use the text of a love- song in the vernacular. The long line of Renaissance mass settings based on the famous secular tune ‘l’homme armé’ (the armed man) further testifies to the overlap of the two spheres. In the eighteenth century J. S. Bach freely reused music from his sacred cantatas in non-sacred works and vice versa. Franz Liszt in the nineteenth century called for a liturgical music that would ‘unite on a colossal scale the theatre and the church’. Needless to say he could not have envisaged anything quite like Leonard Bernstein’s MASS, described by its composer as A Theatre Piece for Singers, Players and Dancers. One aspect of the controversy that has surrounded Bernstein’s work since its first performance in 1971 is that he and his collaborator, Stephen Schwartz, appropriated not just any religious texts, but those of the mass, traditionally the central act of Christian worship. This service follows a tightly defined form, the principal parts of which are (in (continued overleaf) 1946 Eugene Goossens focused on regional and city partnerships, and was key in creating an arts precinct with the building of the Sydney Opera House. 1946 Musica Viva Players (from left to right): Robert Pikler, Edward Cockman, Maureen Jones, Richard Goldner and Theo Salzman. 1940s Robert Pikler, a Hungarian-Australian musician and founder of the Sydney String Quartet, resident at the Conservatorium was resident at the Con in the 1940s. Brochure ConservatoriumofMusicprogram The Conservatorium of Music is Sydney’s premier music school and required a program for their centenary concert. The brief was pretty broad – to produce something memorable that would engage people’s interest and make the program something that people would want to read and keep. I proposed that we incorporate a timeline celebrating key figures, achievements and events in the history of the Conservatorium to tell the story of the school. I worked closely with the editor to select the images, stories and quotes that we would feature to tell the story of how the Conservatorium developed into the world class institution that it is today. The design is both contemporary and classic, elegant and unexpected, just like the Conservatorium itself.
  • 10. Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au Corporatecommunications GrantConstructionscorporateprofile Grant Constructions are a NSW based construction company which needed to rebrand themselves to represent their recent buyout by WatPac. This brochure was part of a series of designs created to promote themselves including a new corporate identity, brochure and newsletter. The overall theme is to reflect the strength, professionalism and quality of their service and projects, and to demonstrate the scale and scope of the projects they work on.
  • 11. Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au Corporateidentity Logodesign Colour logo for large size reproduction Black logo for large size reproduction Colour logo for small size reproduction
  • 12. Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au Corporateidentity AustraliaQuartet Australia Quartet’s mission is to spur new interest in classical music by championing contemporary Australian composers, breathing new life into rarely-performed masterpieces, and presenting the best- loved works of the piano quartet canon to both new, and familiar audiences. I was commissioned to create a corporate identity and publicity materials to promote the quartet and launch their schedule of concerts. The logo is designed to reflect their spontaneous, contemporary and slightly anarchic approach, to help differentiate them from the usual staid classical musicians. Opening Concert # 1: 6:30pm Tuesday 30 April 2013 Bon Marche Studio, UTS, 755 Harris Street, Broadway Gala Concert # 2: 6:30pm Tuesday 28 May 2013 UTS Great Hall, Level 5, Building 1, Broadway Collaboration Concert # 3: 6:30pm Tuesday 3 September 2013 UTS Art Gallery, Level 4, 702 Harris Street, Broadway Finale Concert # 4: 6:30pm Tuesday 5 November 2013 Bon Marche Studio, UTS, 755 Harris Street, Broadway Tamara-Anna Cislowska, piano Veronique Serret, violin James Wannan, viola Thomas Rann, cello Bookings: http://australiaquartet.eventbrite.com Tickets: Entry by donation — please reserve tickets online Venues: Please check online for venue information For more information about the Australia Quartet: E australiaquartet@uts.edu.au W www.fass.uts.edu.au/australia-quartet www.facebook.com/australiaquartet https://twitter.com/AustQuartetUTS Australia Quartet presents: UTS Piano Quartet in Residence Chamber Series 2013 AQ_UTS_Poster_AW.indd 1 22/04/13 8:01 PM Australia Quartet presents: UTS Piano Quartet in Residence Chamber Series 2013 AQ_UTS_Postcard_AW_outline.indd 1 22/04/13 7:58 PM
  • 13. Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au Corporateidentity Miller&MillerStrategicCommunications Miller & Miller are a boutique strategic communications firm who required a simple, contemporary yet elegant design solution for their corporate identity. This branding has been applied to a wide range of material including stationery, capability statements, tender presentations and more. PO Box 425 Lane Cove NSW 1595 ABN 62 135 978 059 Mobile: 0447 193 246 veronica@millerandmiller.com.au www.millerandmiller.com.au PO Box 425 Lane Cove NSW 1595 Mobile: 0447 193 246 veronica@millerandmiller.com.au www.millerandmiller.com.au Veronica Miller Director
  • 14. Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au Publishing OrganicGardenerDiaryandCalendar The Organic Gardener Magazine is a specialist title aimed at the home gardener interested in learning how to grow their own organic produce. I have designed several calendars and diaries for Organic Gardener Magazine, each including a selection of hand‑drawn illustrations and a design layout which creates a fresh, hands-on and earthy feel combined with gardening tips and delicious food photography. 2015 Calendar Monthly planting guide Featuring organic gardening tips ABC Organic Gardener Magazine Sunday Monday Tuesday Wednesday Thursday Friday Saturday 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 Australia Day School Term 1 Starts (NSW Eastern Division, NT remote schools) School Term 1 Starts (QLD, NT urban schools, SA) School Term 1 Starts (VIC) What to plant Tropical: Carambola, custard apple, eggplant, lemongrass, sweet corn Subtropical: Banana, cumquat, lettuce, torch ginger, zucchini Arid/Semi-Arid: Basil, chilli, leek, mulberry, rosella Warm Temperate: Brussels sprouts, French bean, swede, tamarillo, tomato Cold Temperate: Asian greens, beetroot, kale, olive, parsnip Full moon Last quarter New moon First quarter Pomegranate (Punica granatum) Pomegranates were known as the food of the gods.Ancient Egyptians saw them as a symbol of prosperity and they have a long history of use, especially in the Middle East. Drought hardy and easy to care for, pomegranates have vibrant orange flowers and fruits ranging from pale green and yellow to purple, orange and red. Some pomegranates are purely ornamental and grown only for their decorative flowers. If they do have fruit then they are likely to be too astringent to eat. Look for cultivars such as ‘Elcite’, ‘Kazake’, ‘Rosavaya’ and ‘Wonderful’ if you want to be able to enjoy the edible seeds and juice. New Year’s Day
  • 15. Jo Yuen Portfolio  Email: jo_yuen@iinet.net.au  Mobile: 0415 138 738  Website: joyuendesign.com.au Magazine ABCFootballMagazine ABC Football Magazine is a new annual magazine packed with stories, information, statistics and photos about soccer. I was responsible for creating the design concept, building all templates and styles, designing the entire issue and producing final artwork for print. All on time and to a strict budget. FootballThe A-League and beyond Sharp shooters, predictions, full fixtures list and more Perth: bring back the Glory A-League: who’s in the Team of the Decade? Previews: A-League, Asian Cup and W-League We can win this: Ange sets Socceroos’ sights on Asian Cup Melbourne’s change of Heart Sydney:a tale of two cities RoaR TalenT ThomasBroich YourPlayeroftheDecade win Tickets to the Asian Cup FootballTheA-Leagueandbeyond2014/15 Australia has voted, and the A-League Team of the Decade is an impressive line-up. It seems that being part of a winning team helped, with seven of the all-time XI having turned out at some point in their careers for four-time trophy winners Melbourne Victory, including current Victory coach Kevin Muscat at centre-back. And if the final votes are anything to go by, this season’s Victory shouldn’t have too much trouble scoring goals. Their forward line includes two of the nominated strikers of the decade: Archie Thompson and Besart Berisha. Six players in the Team of the Decade have played for Brisbane Roar, the A-League’s most successful club, with five trophies in their cabinet. Roar goalkeeper Michael Theo earned the number one shirt. In front of him in the back four are Ivan Franjic, who has left Brisbane for Torpedo Moscow in Russia, Adama Traore (formerly of Gold Coast and Victory), and Sydney FC centre-back Sasa Ognenovski, alongside Muscat. Brisbane’s Matt McKay is in midfield alongside his teammate Thomas Broich, Victory’s Mark Milligan and Carlos Hernandez, who is now back playing in his homeland Costa Rica, but who left A-League fans with memories of some spectacular goals during his time at Victory and Wellington Phoenix. If the team had a substitutes’ bench, the first two players on it would be former Juventus star Alessandro Del Piero, who spent two seasons at Sydney FC, and Japan’s Shinji Ono, who was at Western Sydney Wanderers for two seasons. Both just missed out on making the XI, with Ono, who helped the Wanderers to two grand finals and a premiership, falling just one vote shy of Milligan in midfield. Others perhaps unlucky to miss out included Adelaide defender Cassio Oliveira, Wellington centre- back Andrew Durante, Melbourne City midfielder Massimo Murdocca and Sydney striker Shane Smeltz. Broich, a two-time winner of the Johnny Warren Medal, won the Player of the Decade award ahead of Archie Thompson in second place. Seven members of the all-time XI have played for MelbourneVictory. DEJAN KALINIC unveils the A-League Team of the Decade as voted by you, the fans. 20 ABC Football magazine 2014/15 24 ABC Football magazine 2014/15 I fell into the trap of speaking openly about my interests outside the pitch. It backfired. They created this Mozart image and I was the pseudo-intellectual guy. It didn’t help me at all. The funny thing was, as I accumulated failure after failure on the pitch I found refuge again in those other things. It made it even worse. The less I played, the more I was reading and making music. Of course, you need some happy places in your life. If football doesn’t give you anything, you need to look elsewhere. It was a vicious circle. The more I got into the arts, the more I reinforced the stereotype. When you watched Germany win the World Cup this year, some of your former teammates and friends were playing. Was there any sense of ‘it could’ve been me’? I think about it occasionally. Overall, I had many chances. I guess I wasn’t good enough. Looking at those boys they were just a little bit better, maybe mentally stronger and smarter as well. I was so happy for them when they won because, knowing them, they’re polite and humble – really good guys. Australian sport can be pretty bone-headed and macho. Not too many people own up to reading books and playing music. How were you received when you arrived? Above: Broich fends off Jets midfielder Ruben Zadkovich. Photos:JohnNguyenandGettyImages It wasn’t a problem at all. They embraced it. It was kind of weird. When I first asked Ange [former Roar coach Postecoglou] could I bring a guitar on an away trip, he said ‘no problem’. It was even suggested that young players should pick up an instrument because it gives you a sense of balance in your life. On the pitch was different. I’m not a very physical player in terms of just tackling players for fun. When I first arrived, Australian football was all about running for 90 minutes like a dog and not pulling back from any tackles. The football aspect of things – the tiki-taka that’s popular at the moment – was absent. The man who changed all that was Ange. He was the first to say, ‘Hey, why can’t we play that brand of football in Australia?’ Did you feel Ange was a kindred spirit? Someone who understood what you loved about the game? Totally. No disrespect to other teams, but imagine if I had signed for Wellington Phoenix or Perth Glory five years ago. The way they were playing back then I would have been lost out there. You can try to play a long, high ball to me but you’re not going to get much out of it! You won the Gary Wilkins Medal (Roar Player of the Year) and the A-League title in your first year. What made that team special? 26 ABC Football magazine 2014/15 Defender Ivan Franjic Midfielder Matt McKay Defender Kevin Muscat Midfielder Carlos Hernandez Striker Archie Thompson Defender Sasa Ognenovski Midfielder Mark Milligan Striker Besart Berisha Defender Adama Traore Midfielder Thomas Broich Goalkeeper Michael Theo Photos:SydneyFC,MelbourneVictory,GettyImages ABC Football magazine 2014/15 21 Australia loves Thomas Broich. The feeling is mutual, the A-League Player of the Decade tells FRANCIS LEACH. On tOp dOwn under Photo:JohnNguyen Drumroll, please… the people have spoken. Thomas Broich is your A-League Player of the Decade. The elegant German has always displayed the grace, guile, artistry and energy that has become the trademark of the all-conquering Brisbane Roar teams, which have delivered a triple treat of titles. Like so many great players in the history of Australian football, Broich’s journey is as much about escaping an old world and rediscovering himself in a new one. He’s something of an accidental Aussie, at ease in his Brisbane surrounds, passionate about his teammates, his club, and his future in football. Congratulations on being named Player of the Decade. It’s quite an honour. When I was first told, it was an amazing moment. Some great players have played in this country. I’m flattered. How has your experience of Australia changed you as a person? It has changed me big-time. When I arrived I didn’t have an ounce of passion for football left in me. I rediscovered my love of the game and transformed from a cynical person into one who really embraces life again. I’ll be grateful forever. How close did you come to walking away from football before coming to Australia? I’d made up my mind already. I told [Nuremberg teammate] Dario Vidosic about it and he told me, ‘Don’t do that. You just need a change of environment – go to Australia, you’ll love it there.’ So that’s what I did. Was it about getting as far away from German football as possible? Absolutely, I just wanted to run away. People in Germany like to put you in a category and it’s very hard to break out of it. I was labelled the ‘Mozart’ – a soft, vulnerable player. They gave me credit for my skill level but the overall verdict was not tough enough. It was so hard to get rid of that label. I was sick and tired of fighting that image, so I needed to go as far away as possible As a person who also loves music and literature, did football start to seem a bit frivolous? It’s tricky. When I grew up it was all about football for me. I had other interests, but football was my true passion. When I became a professional player I still had those hobbies that made me an outsider in this environment. The media loved it and ABC Football magazine 2014/15 25 The most important thing was the way Ange approached it. He pretty much started the football revolution here in Australia. He wanted us to play a modern brand of football. Ange spent a lot of time teaching us the basics of his game and we took it to a phenomenal level. There must have been a real joy in discovering a way to play like that. Joy, that’s the key word. He could have taken a bunch of players and turned them into soldiers, but he wanted to create artists. It’s an important life lesson for me to approach things that way, to highlight the positives, the potential. In life it’s very difficult to create something the artist’s way, but it’s most rewarding when it comes off. During that 36-game unbeaten run, did you feel invincible? We were just so full of confidence. During that 36-game run we always believed we could score at any minute. That self- belief has never left us. Even though we lose games these days, we still have the spirit in us. How did you feel when Ange said he was leaving? At the time I didn’t realise what a big loss it would be. It took the bad season that we had the following year [under new coach Rado Vidosic], when we got a bit complacent and ahead of ourselves, to realise what he’d done for us. In a way, Ange leaving helped a lot of players to develop their personality. When Ange was the coach all we had to do was follow his lead. When he left there was a big vacuum. A lot of our players looked into the mirror, looked at the past two years and learnt lessons from that. The combination of success and failure made us a stronger team and developed leaders in this group. The time with coach Rado Vidosic – it must have been tough on him. Rado was unlucky. He’s an amazing man. It was a case of being in the wrong place at the wrong time. It was tough to follow Ange. A few of us, including myself, got a little off track. We didn’t make it easy for him. It wasn’t so much his failure but ours, collectively. How did Mike Mulvey get the Roar back on track? He was a new face, a clean start. By the time he took over, we realised our failings. He’s a very eloquent speaker and inspired us to focus and return to the work ethic that made us. Photos:JohnNguyenandGettyImages Last year we were so incredibly driven because we all realised the mistakes we had made in the past. The hunger was back and from the first day of pre-season, you could really feel it. Besart Berisha was your partner. He’s gone. How will that affect you? On the outside we’re fairly different, but our core values are similar. He’s a warrior on the pitch, but he’s a very gentle human being. He was so appreciative of every ball I fed him and I really understood how much I depended on him. We had an amazing connection. It’s a big loss – you can’t just replace him. We have to collectively make up for him leaving, but we have the players to do it. You seemed to really enjoy playing for the A-League All Stars. Do you take personal pride in the development of the A-League? Absolutely. This is where I live, this is where I play my football. I want people to have a good impression of the A-League. The standard has improved immensely. I can’t think of any other country where the standard has developed at a rate like this. The best teams in this league play a nice brand of football. The fitness levels, the organisation, tempo and competitiveness of the league is so much better these days. It’s pretty exciting to be part of this league at this point in time. “It’s quite an honour. when I was first told,it was an amazing moment.” Thomas Broich with his Player of the Decade medal. ABC Football magazine 2014/15 27