<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0"><channel><title><![CDATA[RSS Feed]]></title><description><![CDATA[RSS Feed]]></description><link>http://direct.ecency.com</link><image><url>http://direct.ecency.com/logo512.png</url><title>RSS Feed</title><link>http://direct.ecency.com</link></image><generator>RSS for Node</generator><lastBuildDate>Thu, 09 Apr 2026 03:09:13 GMT</lastBuildDate><atom:link href="http://direct.ecency.com/@adfsuperguide/rss" rel="self" type="application/rss+xml"/><item><title><![CDATA[Military Superannuation and Benefits Scheme (MSBS) vs ADF Super - Productivity Benefit as a component of Employer Benefit]]></title><description><![CDATA[} For members who have not reached Maximum Benefit Limits, your Employer Benefit (EB) formula is: Employer Benefit = EBM x FASWhere "FAS" is Final Average Salary (average of your last three years)]]></description><link>http://direct.ecency.com/adf/@adfsuperguide/military-superannuation-and-benefits-scheme-msbs-vs-adf-super-productivity-benefit-as-a-component-of-employer-benefit</link><guid isPermaLink="true">http://direct.ecency.com/adf/@adfsuperguide/military-superannuation-and-benefits-scheme-msbs-vs-adf-super-productivity-benefit-as-a-component-of-employer-benefit</guid><category><![CDATA[adf]]></category><dc:creator><![CDATA[adfsuperguide]]></dc:creator><pubDate>Fri, 28 Aug 2020 23:02:45 GMT</pubDate></item><item><title><![CDATA[Military Superannuation and Benefits Scheme (MSBS) vs ADF Super - what are ancillary benefits]]></title><description><![CDATA[} Ancillary BenefitsAncillary benefits do not affect your future pension. Your Ancillary benefits can go as high as you like.These are miscellaneous contributions, like salary sacrifice amounts, additional]]></description><link>http://direct.ecency.com/adf/@adfsuperguide/military-superannuation-and-benefits-scheme-msbs-vs-adf-super-what-are-ancillary-benefits</link><guid isPermaLink="true">http://direct.ecency.com/adf/@adfsuperguide/military-superannuation-and-benefits-scheme-msbs-vs-adf-super-what-are-ancillary-benefits</guid><category><![CDATA[adf]]></category><dc:creator><![CDATA[adfsuperguide]]></dc:creator><pubDate>Sun, 16 Aug 2020 10:33:51 GMT</pubDate></item><item><title><![CDATA[Should I contribute more than the compulsory 5% to ADF Military Superannuation and Benefits Scheme (MSBS)?]]></title><description><![CDATA[} For your compulsory Member Benefit contributions, you are always worse off by contributing more than the compulsory 5%, and there are no exceptions to this. If anyone is currently putting more than]]></description><link>http://direct.ecency.com/adf/@adfsuperguide/should-i-contribute-more-than-the-compulsory-5-to-adf-military-superannuation-and-benefits-scheme-msbs</link><guid isPermaLink="true">http://direct.ecency.com/adf/@adfsuperguide/should-i-contribute-more-than-the-compulsory-5-to-adf-military-superannuation-and-benefits-scheme-msbs</guid><category><![CDATA[adf]]></category><dc:creator><![CDATA[adfsuperguide]]></dc:creator><pubDate>Fri, 14 Aug 2020 11:23:21 GMT</pubDate></item><item><title><![CDATA[ADF MSBS Pension considerations: conversion factors and age of access - Military Superannuation and Benefits Scheme]]></title><description><![CDATA[} Australian Defence Force Military Superannuation and Benefits Scheme (MSBS) members can access their pension from age 55, which is below preservation age (when ordinary folk can access their super, currently]]></description><link>http://direct.ecency.com/adf/@adfsuperguide/adf-msbs-pension-considerations-conversion-factors-and-age-of-access-military-superannuation-and-benefits-scheme</link><guid isPermaLink="true">http://direct.ecency.com/adf/@adfsuperguide/adf-msbs-pension-considerations-conversion-factors-and-age-of-access-military-superannuation-and-benefits-scheme</guid><category><![CDATA[adf]]></category><dc:creator><![CDATA[adfsuperguide]]></dc:creator><pubDate>Thu, 13 Aug 2020 03:00:39 GMT</pubDate></item><item><title><![CDATA[Should I switch from Military Superannuation and Benefits Scheme (MSBS) to ADF Super?]]></title><description><![CDATA[The answer is most likely no! This content has been posted in other forums, but I wanted to put it all in one place and make it easier to read. If you joined the ADF after 01 Jul 16, then you have no choice]]></description><link>http://direct.ecency.com/adf/@adfsuperguide/should-i-switch-from-military-superannuation-and-benefits-scheme-msbs-to-adf-super</link><guid isPermaLink="true">http://direct.ecency.com/adf/@adfsuperguide/should-i-switch-from-military-superannuation-and-benefits-scheme-msbs-to-adf-super</guid><category><![CDATA[adf]]></category><dc:creator><![CDATA[adfsuperguide]]></dc:creator><pubDate>Sat, 08 Aug 2020 22:43:42 GMT</pubDate></item></channel></rss>