Frequently asked questions

What is happening?

We’re transferring your account and investments to Expand Extra. The transfer will take place automatically and at no cost to you.

For Voyage Superannuation Master Trust, Grow Wrap Super and Pension and PortfolioOne Term Allocated Pension, your account will transfer via Successor Fund Transfer, which will result in the closure of the current account you hold in the current superannuation fund and the creation of a new Expand Extra Super, Pension or Term Allocated Pension account in a new superannuation fund.

For Voyage Investment Service and Grow Wrap Investment Service, transfer is a continuation of your existing membership on a new administration platform. For administrative purposes, your existing account will be closed and a new Expand Extra account opened.

Why is this happening?

We’re continually assessing how to best provide you with the most contemporary products, services and experiences. Following a recent review, we will be moving all accounts in Voyage, Grow Wrap and PortfolioOne into Expand Extra which we believe will enhance your overall experience.

Expand Extra has had significant enhancements in recent years. You’ll gain access to a wider range of investment options, a significantly improved online experience, and support from our Australian-based client services team, focused on resolving enquiries at the first point of contact.

When is this happening?

Your current account will close on Friday 4 September 2026 and your new account will open on Saturday 5 September 2026. You’ll have access to your new account from Monday 7 September 2026. See the Communications section for more information about the communications you will receive.

From 4 September 2026, online access to your Voyage, Grow Wrap or PortfolioOne account will no longer be available. Your new Expand Extra account will be ready to access after 7 September 2026, once we have provided your new account number and you have registered for online access.

Your adviser will continue to support you throughout the transition. While access may be temporarily unavailable during the transfer process, your adviser will retain access to your existing account before the transfer and will be able to view your new Expand Extra account once it is set up.

What products are transferring to Expand Extra?

• Grow Wrap Super and Pension Service
• Grow Wrap Investment Service
• PortfolioOne Term Allocated Pension
• Voyage Superannuation Master Trust
• Voyage Investment Service

What product is my account being transferred to?

Expand Extra Super, Pension or Investment, depending on your current account type.

Will I receive a new account number?

Yes, after the transfer, you’ll receive an Expand Extra welcome pack which will include your new account number and information on how to register for online access (this is optional). If you’ve elected to receive electronic communications, you will receive an email about registering for online access shortly after the transfer.

Will my fees change?

While the Expand Extra fee structure is different, the amount of administration fees for all transferring accounts will either be lower or unchanged (based on the account balance at 30 April 2026).

As fees are specific to each account, you should refer to the letter called ‘Your account is moving to Expand Extra’ which should arrive in July 2026. This letter outlines the fees that will apply to your Expand Extra account.

Will there be an impact on my ability to transact on my account during the transfer period?

Yes, to ensure the successful transfer of your account, some transactions will be temporarily suspended.

Most transactions (including buying and selling investments, and full and partial withdrawals) will be suspended from 14 August 2026 in the lead up to the transfer. We will continue to accept contributions, deposits and rollovers until 1 September 2026. We anticipate you, or your adviser, will be able to transact on your Expand Extra account from 7 September 2026.

What happens to my investments on transfer?

The investments you hold will generally be transferred to Expand Extra. Unless we have outlined any changes in the letter ‘Your account is moving to Expand Extra’, we will not redeem or sell any of your investments, and your new Expand Extra account will be set up with the existing investments you held prior to the transfer. There will be no transaction costs or buy/sell margins.

While there no tax consequences for Voyage and Grow Wrap Investment Service, or for Voyage Superannuation Master Trust accounts, there will be implications for Grow Wrap Super and Pension and PortfolioOne Term Allocated Pension members (refer below).

What happens to my insurance on transfer?

If you have a group insurance benefit provided by Zurich attached to your Voyage Superannuation Master Trust account, the insurance benefit will remain unchanged although it will be provided by TAL Life after transfer to Expand Extra. TAL Life will generally provide the same conditions as Zurich, and charge the same underlying insurance premium. If you had a birthday between 1 March and 1 July 2026, the annual premium adjustment aligned to your birthday will be applied – Zurich previously calculated your age at 1 March and will apply the adjustment at that date, while TAL do so at each 1 July.

Where your Voyage Superannuation Master Trust or Grow Wrap Super account included a Zurich OneCare retail policy, the ownership of that policy will transfer to your new Expand Extra account.

Unfortunately, if you or your adviser established a separate retail super insurance policy where premium payments are funded from regular rollovers from your Voyage or Grow Wrap super account, we are unable to identify those payments. You or your adviser will need to establish a new regular rollover for your Expand Extra Super account for these arrangements following transfer to ensure premiums continue to be paid.

Are there any tax implications for the transfer?

For investment accounts: There are no tax implications for investment accounts transferring to Expand Extra, noting that your investments will not be redeemed.

For Voyage Super and Pension: There are no tax implications for the transfer of Voyage Superannuation Master Trust to Expand Extra, and your investments will not be redeemed.

For Grow Wrap Super and Pension and PortfolioOne Term Allocated Pension:

While your investments will not be redeemed, unfortunately the transfer from Grow Wrap Super and Pension, and PortfolioOne Term Allocated Pension to Expand Extra will trigger capital gains and losses. This is due to these products being part of a larger superannuation fund where other members will remain, and therefore the transfer does not qualify for tax relief for merging funds (referred to in Division 210 of the Taxation Act).

This transfer will result in a net capital gain or net capital loss being realised at the transfer date, and a Capital Gains Tax (CGT) liability for realised gains for super and transition to retirement (TTR) accounts. The cost of the CGT liability will be covered through a non-concessional contribution and/or non-taxable distribution payment.

For pension accounts, there will be no CGT liability. If your super or TTR account had a net capital loss at the transfer date, tax law does not allow this to be carried forward or used to offset any future gains in Expand Extra.

The non-concessional contribution may have other impacts that you should be aware of, such as counting toward your non-concessional contribution cap for FY27. There are some circumstances where a non-concessional contribution cannot be made on your behalf, and instead we will cover the CGT liability fully via a non-taxable distribution payment. The capital gain / loss will also count toward earnings for the new Division 296 tax for FY27, including for pension accounts that are otherwise not affected by CGT. Please speak with your financial adviser or tax agent for guidance.

When your account is established in Expand Extra, the cost of each investment transferred will recommence at the date of transfer. Future realised gains and losses on these investments will therefore only be attributed against its value from that date.

Are there any impacts on my term allocated pension?

No. All term allocated pension accounts will be transferred to Expand Extra Term Allocated Pension (closed) and maintain their historic status as a grandfathered pension.

If you hold a term allocated pension, after transfer to Expand Extra your term allocated pension will continue in the same manner as for Voyage or PortolioOne and you can take advantage of the relaxed commutation rules for legacy retirement products until 6 December 2029. You should talk to your adviser if you are considering commuting your term allocated pension account.

Will Centrelink be advised about the transfer of my pension account?

We will advise Centrelink about the changes, and confirm that your Expand Extra pension account is a continuation your Voyage, Grow Wrap or PortfolioOne pension account. We are aware that it may take time for the change to be reflected by Centrelink, and you may also be asked by Centrelink to provide documents, such as our letter to be sent to you in July 2026 ‘Your account is moving to Expand Extra’, to help satisfy their requirements.

Is there any change to the fees I pay to my adviser?

Any percentage based and/or fixed dollar ongoing or fixed term advice fees will continue in Expand Extra, except where you have agreed for advice fees to be charged on specific asset classes.

Where advice fees continue, these will be confirmed in your Expand welcome pack.

You can discontinue advice fees at any time by instructing us, however you should note that where we cease deducting an advice fee at your request, you may remain liable to pay the balance of any outstanding fee to your adviser. We recommend that you discuss any changes to advice fees with your adviser to ensure you are aware of the situation.

What if my employer is making regular superannuation contributions?

If you have requested that an employer make contributions to your Voyage or Grow Wrap account, it will be important to let them know that your account is transferring and to provide them with new information about your Expand Extra account, including the new Unique Superannuation Identifier (USI) and your new account number, when you receive your Welcome letter in September 2026.

Contributions submitted electronically via a SuperStream compliant gateway or clearing house will cease to be accepted for Voyage and Grow Wrap USIs from 1 September 2026. From that date, contributions made to the Voyage or Grow Wrap USIs will be rejected, and a message will be provided to the employer via the gateway or clearing house confirming the transfer of accounts and requesting they use the revised USI and confirm your account details.

Since 1 July 2026, Payday super requires that your employer make contributions within a defined period (7 business days), however an extended period (20 business days) is provided where an account is transferred to a new superannuation fund, as is occurring with your transfer from Voyage or Grow Wrap to Expand Extra. You will be able to register for online access to your new account after its transfer, which will allow you to monitor contributions and other transactions.

What will happen to my regular investments?

There is no change to regular investments (direct debit facilities) which are debited monthly, quarterly or half yearly.

However, if you have a weekly frequency set, this will not carry over when your account is transferred to Expand Extra. You can update your deposit frequency before the transfer by completing the Grow Wrap direct debit request form.

Alternatively, once your account has transferred you can set up or amend your regular deposit by completing the Expand Direct Debit Request form or by speaking with your adviser, after 7 September 2026.

What will happen to my regular pension or withdrawals?

If you have scheduled monthly, quarterly, half-yearly or yearly pension payments or regular withdrawals, these will continue in Expand Extra. Fortnightly pension payments will continue in Expand Extra, however weekly or fortnightly regular withdrawals for non-pension accounts will not continue.

Any pension or regular withdrawal payment that is due to be paid between 14 August 2026 and 6 September 2026 will be brought forward and paid to you on or around 14 August 2026.

If you would like to update your regular withdrawal facility for non-pension accounts (including to adjust the frequencies that will not be available), you can do so on your account prior to the move to ensure that there is no delay in future payment. Alternatively, you can set up a new regular withdrawal plan in line with the available frequencies after the transfer.

What is the Expand Cash Account?

Your Cash Account for Expand Extra is used to process all cash transactions such as:

• Receiving contributions/deposits
• buying or selling investments
• receiving income distributions and dividends
• deducting fees, charges, taxes, insurance premiums (if applicable)
• paying withdrawals and pension payments (if applicable).

The Expand Extra Cash Account is not an individual bank or cash management account held in your name, it is a pooled deposit arrangement established to enable efficient transacting in your account.

Your minimum percentage allocation to your Expand Extra Cash Account will be set to the lesser of 1% of your account balance or $5,000, which ensures that your account operates efficiently.

Your Cash Account preferences can be updated once your account has transferred to Expand.

How will my Expand Cash Account be topped up?

Your Expand Cash Account will be reviewed in the following scenarios:

• at the end of each month, following the deduction of any applicable fees and insurance premiums (if applicable)
• after tax has been deducted (if applicable)
• after pension payments have been deducted (Expand Extra Pension only)

If the balance is zero or below, it will be topped up to the lower of either 1% of your account balance or $5,000.

The ACM minimum plan instruction you have set for your current account will be used as the Cash Account top up instruction on your new Expand Extra account. If you currently have a:

• priority sell down order – this will become a “pecking order” of the investments to be redeemed for cash
• percentages sell down order – this will become a “redemption instruction – percentage”, and investments will be redeemed across managed funds and SMA portfolios according to the percentage allocation nominated by you.

If your current investment instruction is linked to a model portfolio or you don’t have an ACM minimum plan instruction on your account, your Cash Account top up instruction will become “Pro rata”, where funds are sold across managed funds and SMA portfolios according to the proportion of the portfolio they represent. If your model portfolio includes non-daily managed funds, term deposits or listed investments, these will be excluded from the pro rata Cash Account top up instruction, and the remaining assets you hold that can be included will be grossed up to total 100%.

Where there is an insufficient balance in the managed funds and SMA portfolios you hold to enable the top up of your Cash Account, IIML will redeem some of your other investments to fund fees, expenses, taxes, pension payments and insurance premiums to provide the minimum cash requirement. Your other investments will be redeemed in the following order:

• Listed investments with the highest balance,
• Maturing investments with the lowest balance (redeemed in full), then
• Managed funds that cannot be redeemed daily.

The last run date for the ACM plan will be 20 July 2026.

What investment options will I have access to?

In your Expand Extra account you will have access to:

• over 600 managed investments
• the majority of listed investments on the Australian Securities Exchange
• a Separately Managed Account (SMA) providing access to a range of SMA Model Portfolios*
• a selection of term deposits and fixed term annuities (maturing investments).

For a list of investment options available within Expand Extra, please refer to the Investment Menu – Super & Pension or Investment Menu - Investment. For more information and before making a decision to invest you should also read the Investment Guide and Investment option PDS available at myexpand.com.au

*SMA’s are only available through a financial adviser.

What will happen to my current cash account (investment accounts only)?

If you have an investment account, you currently hold an individual Wrap Invest Cash Account (Grow Wrap) or an individual Wrap Cash Account (Voyage), provided by Macquarie Bank Limited (MBL, ABN 46 008 583 542) as the designated Cash Account for your investment account. This cash account is a retail deposit account with MBL that has its own account number and BSB to receive direct applications, deposit requests and withdrawal requests.

The individual Wrap Invest Cash Accounts and Wrap Cash Accounts will automatically be closed by MBL when we transfer your investment account to Expand Extra. The remaining balance of your Wrap Invest Cash Account or Wrap Cash Account, along with any interest payable after all transactions and fees and charges have been debited, will be transferred to your new Expand Extra Investment Cash Account. The Expand Extra Investment Cash Account is a pooled deposit account for all Expand Extra investors and is held with the Commonwealth Bank of Australia (ABN 48 123 123 124).

If you wish to continue to bank with MBL, you will be required to open a new standalone Macquarie Cash Management Account. You are unable to maintain your Wrap Invest Cash Account/Wrap Cash Account when your Grow Wrap or Voyage Investment Service account is closed.

It is important that you notify anyone who either directly debits or credits your current Wrap Invest Cash Account or Wrap Cash Account prior to the transaction suspension date as this account will close after 4 September 2026. If you currently use this account as your Self-Managed Super Fund (SMSF) bank account and/or have given third party access to accountants, auditors or SMSF administration providers, you will need to make alternate arrangements after the transfer to Expand Extra.

Will my existing margin lending be transferred (investment accounts only)?

Yes, if you have margin lending within your account, it will continue in your Expand account.

If you have a NAB margin loan on your account, there’ll be some changes to how it works with the transfer to Expand. The margin loan balance will not appear on your Expand statement.

What happens to my beneficiary nomination(s)?

Any beneficiaries that you have nominated for your Voyage, Grow Wrap or PortfolioOne super or pension account will be transferred to Expand Extra. Your nomination will be treated in accordance with the rules that apply to your current Voyage, Grow Wrap or PortfolioOne account, as those will carry over and may be different to the rules that apply to other existing Expand Extra accounts.

What communications will I receive?

For super and pension members:

From Voyage, Grow Wrap, PortfolioOne:

• A Significant Event Notice (SEN) will be sent in July 2026 informing you of the transfer.
• An exit statement will be sent to by mail shortly after your account is closed. For pension members, PAYG payment summary (if applicable) will be sent with your exit statement for pension payments made from your current account during the 2026/27 financial year.
• A 2025/26 annual statement will be sent by mail by 31 December 2026.

From Expand Extra:

• A welcome pack for Expand Extra will be sent shortly after the transfer.
• You will receive an annual statement for the financial year ending 30 June each year, issued in September/October. Your first Expand Extra statement will cover the period from 5 September 2026 to 30 June 2027.
• For pension members, a pension pack will be sent by 14 July 2027 outlining your pension details for the 2027/28 financial year. If applicable, this will include a PAYG payment summary for the 2026/27 financial year for pension payments made from your Expand Extra account.

For IDPS investors:

From Voyage and Grow Wrap:

• 2025/26 annual statement for the period 1 July 2025 to 30 June 2026, by 31 July 2026.
• 2026/27 annual statement for the period 1 July 2026 to 5 September 2026, expected to be sent in the mail by 31 July 2027.
• If you have elected to receive a quarterly statement, a final statement will be sent by mail by the end of October 2026.
• 2025/26 financial year tax statement for the period 1 July 2025 to 30 June 2026, expected to be sent in the mail by the end of November 2026.
• 2026/27 financial year tax statement for the period 1 July 2026 to 4 September, expected to be sent in the mail by the end of November 2027.

From Expand Extra:

• A welcome pack for Expand Extra.
• Annual statements for each financial year ending 30 June, issued in September/October. Your first Expand Extra annual statement will cover the period from 5 September 2026 to 30 June 2027.
• 2026/27 financial year tax statement for the period 5 September 2026 to 30 June 2027 for your Expand Extra account, expected to be sent in September/October 2027.
• If you have previously opted into receiving paper quarterly statements, you’ll no longer receive these; however, you will be sent an annual statement after the end of each financial year and have continuous access to up-to-date transaction information via Expand Online or the Expand mobile app.

Copies of the above communications will be made available on Expand Online and the Expand mobile app.

What is in my welcome pack?

Your welcome pack will include:

• Your new account number
• Instructions for registering for online access (optional)
• Your new BPAY® details for contributing to your new account (super and investment accounts only)
• Confirmation of any regular facilities that have carried over (such as ongoing contributions/deposits & withdrawals)
• Your Standing Investment Instructions which will apply going forward (such as how you would like your deposits to be invested, your income preferences and method used to top up your Cash Account)
• Confirmation of the fees and costs associated with your account
• Group or retail insurance details (if applicable)

® Registered to BPAY Pty Ltd ABN 69 079 137 518

Will I receive two tax statements for FY 2026/27 (investment accounts only)?

Yes, you’ll receive an annual tax statement for your Voyage or Grow Wrap account for the part year and an annual tax statement from your Expand Extra account for the remainder of the financial year. Both statements will be issued in around September/October 2027. These statements will outline your taxable income received for each account during the financial year to help you complete your tax return.

After 2-4 weeks of receiving your Voyage or Grow Wrap and Expand Extra tax statements, the relevant tax information should be pre-filled when you log into the ATO to complete your tax return, making it easier for you to complete.

How do I access Expand Online and/or the Expand mobile app?

It’s easy to register for Expand Online and the Expand mobile app to access your Expand Extra account. You’ll receive details about Expand Online and the Expand mobile app registration in your welcome pack. Online access to your new account will be available from 7 September 2026.

Will I need a new username and password?

Yes, you’ll need to register for Expand Online and/or the Expand mobile app and this will require a new username (your email address) and password. You only need to register once, this login will be used for both the website and the app. If you have more than one account, you’ll be able to access them through the same login.

Can I still log in to the Grow Wrap, Voyage or PortfolioOnline portal?

If you currently have online access for your existing account, this will cease following the transfer. As we won’t be carrying across your transaction history to Expand Extra, we recommend that you download or print your long-term account transaction history prior to 4 September 2026. Your Expand Online login will provide access to historical statements for your reference. Any current online access number you have will not transfer to Expand Online, you’ll need to register with your new Expand account number.