Also in this issue:

Making contributions - your how-to guide
A great offer from MBF
Market update
Policy committee guidelines

Product and service

Become a healthier, wealthier organisation

Could you be exposed to a relatively silent but significant risk in your business?

To find out, take this quick quiz.

• How healthy is your company?
• How do you know when a risk to one of your staff becomes a risk to your business?
• Are you prepared for this?
• Do you know the state of your workforce and the impact this has on your company's productivity?
• Do you have a company where the employees are proactive in managing their own personal risks as well as those to the company?
• Does your company create an environment where employees feel healthy and well, safe and secure and productive?
• Are your risk transfer and retention strategies as effective and efficient as possible?

If you answered 'no' or 'what are you talking about?' the health and profitability of your business could be vulnerable to people risks.

According to Tim Dwyer, Director of People Risk Solutions at Aon Consulting, managing people risks by starting with compliance misses a number of the significant people risk cost drivers. "This approach can also result in unmanaged and uncontrolled costs impacting on overall profitability."

So how do you identify and measure the risks? How do you move to a workforce risk strategy that ensures your productivity risk chain remains intact and removes the potential for hidden costs?

Aon Consulting has developed an innovative, holistic approach to the productivity and financial considerations associated with workforce risk. For more insights into becoming a healthier and wealthier organisation, see pages 8-11 of Currency magazine.

We'd be happy to put you in touch with Aon's Workforce Risk Solutions experts, or you can contact them directly by email or call 02 9253 7887.

Give your employees a consolidation day

If your employees follow the national average, then they could have three or more super accounts each - meaning multiple sets of fees to pay, piles of paperwork, and super that's hard to keep track of.

It makes sense to combine super together, and you can help your employees do just that by holding a consolidation day at your workplace. All you need to do is let us know the date, time and workplace location that works best for you. We'll send you material to help promote the day to your employees, meet one-on-one with members who'd like to roll their other super into the Aon Master Trust, explain what's involved and even help them with the rollover form.

It's an easy way for us to work together to take the hard work, anxiety and uncertainty out of simplifying their super!

To organise your consolidation day, contact your account manager, email us or call 1300 880 588.

Making contributions - your how-to guide

Following some enquiries from employers about the contribution process, this how-to summary may be useful.

There are two steps involved in making contributions for your employees: telling us who the contribution is for and then sending the contribution to us so we can allocate it to the member's account.

Tell us who the contribution is for

Send the contribution to us

You can send contribution payments to the Aon Master Trust by electronic funds transfer (EFT) or by cheque.

By EFT
Bank: Commonwealth Bank of Australia
Account name: Aon Master Trust
BSB: 062-000
Account No: 1309-4188

When making an EFT, please include a title of deposit (eg XYZ Company-April 2010 contributions). Email us or fax 1300 267 582 to confirm the date of payment, quoting the title of deposit.

By cheque
Make cheques payable to Aon Master Trust and post to:
Aon Master Trust
PO Box 1949
Wollongong NSW 2500

Save time and business resources

Aon's secure employer online services take the hassle out of your superannuation administration and free up time for your payroll staff. Making payments to multiple funds, adding new employees, modifying member details and generating reports can all be done online.

Once registered, you'll have online access to:

• electronic funds transfer
• simplified payments via authorised direct debit
• new member additions and member record modifications
• real-time validation, ensuring only valid data is transferred
• integration of information with our super administration system to avoid double-handling
• straight-through processing of contributions from payroll to employees' super accounts
• superannuation fund compliance status checking
• encrypted data protection to ensure confidentiality.

For more information or to register for online services, contact your account manager, email us or call 1300 880 588.

A great health insurance offer from MBF

Discounted premiums, choice of cover, the chance to win a $10,000 adventure holiday and even skip the usual waiting periods on some extras - MBF have lined up a great offer for Aon Master Trust members. There's a 31 March 2010 deadline for the holiday draw and waiting period waivers, so if any of your members are interested, they'll need to get on to it.

See Member Directions for all the details.

Investments

Market update: quarter ended 31 December 2009

It is far from clear just how strong and sustained the global recovery will be.

At the beginning of 2009

Hindsight makes the past seem simpler than it was but, at the beginning of 2009, two things were clear:

A year on

Markets have rebounded and valuations on most asset classes are back to 'normal' levels. The major economies are moving out of recession, led by the US. It is far from clear, however, just how strong and sustained the global recovery will be. Our view is that the recovery will be a long and drawn out affair. Consumer de-leveraging, the gradual withdrawal of fiscal stimulus, and the ongoing process of bank balance sheet repair will provide strong headwinds.

For a full report, including market sector updates, see our Market update - quarter ended 31 December 2009.

On the website

Policy committee guidelines

If you have new committee members or if you just want to update your library, here is a revised, new look edition of the policy committee guidelines.