Jo Yuen Portfolio

Skills and expertise

Jo Yuen Portfolio 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:

Superior management and pre-press skills including:

• Brochures and corporate literature

• The ability to take a project from initial client brief, through concept design, art direction, typography, artwork and print

• 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.

Jo Yuen Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

• Project management, client liaison and print supervision • Mentoring and supervising junior members of staff.

First State Super

Branding design

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.

Investing your super 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.

Booklet heading Subheading to go here

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.

Are there limits?

Subhead 2

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.

Because you’re making contributions before income tax is paid, salary sacrificing can be a tax-effective way to boost your super.

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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.

6

2

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.

0 Caption A

Caption B

n Legend title to go here

Caption C

n Legend title to go here

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.

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.

Subhead 1

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

The Fund does not charge a termination fee.

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.

For more information about salary sacrifice visit www.firststatesuper.com.au or call our Customer service on 1300 650 873.

Because you’re making contributions before income tax is paid, salary sacrificing can be a tax-effective way to boost your super.

Graph title 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

For more information about fees, see the Member Booklet Supplement: Fees

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

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.

Are there any fees?

4

How and when paid

Nil.

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.

8

Am I eligible to salary sacrifice?

Amount

Establishment fee: The fee to open your investment.

Am I eligible to salary sacrifice?

Graph title 12 10

So not only does salary sacrifice increase your super savings, it could also reduce your assessable income and potentially your tax bill.

Type of Fee or Cost

Fees when your money moves in or out of the Fund

n 25.0% Cash

Salary sacrificing can be a taxeffective way to boost your super.

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.

Prepared 1 July 2012

10

After a transition period, the twin funds were rebranded again to be wholly under the First State Super banner.

First State Super | Health Super

www.firststatesuper.com.au | 1300 650 873

11

Investing your super continued

Subhead 1

Are there limits?

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.

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.

Subhead 2 Because you’re making contributions before income tax is paid, salary sacrificing can be a tax-effective way to boost your super.

Bullet text to go here, text to go here.

f 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.

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.

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 Are there limits?

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,

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.

For more information about fees, see the Member Booklet Supplement: Fees Type of Fee or Cost

Amount

How and when paid

Fees when your money moves in or out of the Fund

Salary sacrificing can be a taxeffective way to boost your super.

12

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

First State Super | Health Super

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.

www.firststatesuper.com.au | 1300 650 873

13

First State Super

Corporate communications

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.

SuperNews | February 2016

superNEWS February 2016

firststatesuper.com.au | Call 1300 650 873 | Email enquiries@firststatesuper.com.au

How much

super

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.

Are you

in control of your

Your questions

super future?

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.

answered

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.

Investment commentary

How much

super do you

Our response to

really need

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.

climate

change

– Tom Garcia, AIST

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

do you really need?

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.

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.

For the many people with a lower super balance, a realistic target might be something between modest and comfortable.

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.

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.

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

Compulsory superannuation guarantee (SG) was introduced in 1992.

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

This means that during this period, the average SG rate has been about 7.5%

It began at a rate of 3% of wages, rising to 9% in 2003 and recently to 9.5%.

9.5%

9%

3%

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.

$95,000

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.

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.

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.

A median income earner can expect a retirement income equivalent to about 79% of their pre-retirement income or take-home pay.

Both budgets assume that the retirees own their own home outright and are relatively healthy.

79%

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.

4

firststatesuper.com.au | 1300 650 873

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.

The age pension plays a significant role in supplementing the retirement income for many retirees.

Financial planning advice is provided by First State Super Financial Services Pty Ltd ABN 37 096 452 318, AFSL 240019.

6

7

SuperNews | September 2015

supernews

firststatesuper.com.au | Call 1300 650 873 | Email enquiries@firststatesuper.com.au

September 2015

A window to the future 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.

An eventful

time for

What will we look like by 2055?

markets

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

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

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

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.

What does this mean for super savers?

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.

Australia in 2055 Today Economy Average annual real GDP growth %

3.1

%

Debt/Surplus Health spending

2055

2.8

%

(last 40 years)

Debt 15.2% of GDP

(next 40 years)

Projected surplus 0.5% 5.5% of GDP ($6,460 per person)

4.2% of GDP ($2,830 per person)

Population Headcount

23.8m

Median age

36.8 years 91.5

Life expectancy

The ageing population

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.

39.7m

40.4 years 95.1

93.6

Number of people aged between 15 and 64 for every person aged 65

96.6

4.5

2.7

Age 65+

3,600,000

8,900,000

Age 85+

500,000

2,000,000

5,000

40,000

Age 100+

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

Workforce Average income

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.

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

w

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

$66,400

$117,300

All

Participation rate

Women aged 15-64 in work

65+

64.6% 12.9%

66%

All 65+

62.4% 17.3%

70%

Source: treasury.gov.au/PublicationsAndMedia/Publications/2015/2015-Intergenerational-Report

6

7

Qantas Super

Corporate communications

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.

PASSPORT

How to plan your trip in 6 easy steps

Gateway

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.

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.

As the default superannuation fund for most Australianbased 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.

Following are some of the best tips we recommend to help plan your retirement trip:

What’s your destination?

Qantas Gatewa y

TS TMEN INVES OUR T’S Y WH A E M E N T RETIR ATION? IN DEST

2

Book your flight

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?

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.

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: ■

PASSPORT What’s your destination?

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

■

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).

Call to action to go here.

Prospectus

UTS

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.

IntroductIon

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

Water for australian agriculture:

Plan ■■

Conduct scoping study including, review of stakeholders, data available, assessment of the potential of “bright ideas” and knowledge gaps

Individual “bright idea work packages” taken forward at state and national scale

➔ Research plan model layers

Securing local and global food supplies: Expression of interest

situation analysis ■■

■■ ■■

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.

■■

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

■■

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

Alexandria, Egypt, Integrated supply-demand planning London, United Kingdom, The International Demand Management Framework International Water Association

US EPA Washington DC, United States, Decentralised water and sanitation

Madrid, Spain, Benchmarking for best practice water demand management

Sydney, Alice Springs, Canberra, Melbourne, Brisbane, Adelaide, Australia, Water supply-demand planning and drought planning

Page 6 Water for Australian Agriculture: Expression of interest

Existing agricultural areas (irrigation, non irrigation, products & crop type) Climate zones

■■

Soil type/nutrient

■■

Water quality

■■

Surface water sources

■■

Infrastructure

■■

model outPuts ■■

Demand

■■

Supply

■■

Options

■■

Costs

■■

Benefits

■■

Scenarios

Groundwater sources (hydrogeology & hydrology)

■■

■■

Population zones (nutrient hotspots) Topographical and cadastral maps

“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

uts data aRena theatRe “What if” agricultural scenarios

BrIGHt IdEAS continued

life’s bottleneck – the stoRy of PhosPhoRus

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.

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

Potential agricultural areas (irrigation, non irrigation, products & crop type)

■■

➔ scenario planner component of model

integRated suPPly demand Planning – eveRy dRoP counts

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.

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Stakeholder governance zones and boundaries

Page 3 Water for Australian Agriculture: Expression of interest

BrIGHt IdEAS continued

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.

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Identify existing and potential agricultural areas, and agricultural production and crop types

➔ Roadmap report

Page 2 Water for Australian Agriculture: Expression of interest

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Identify food security needs and markets

WateR and agRicultuRal decision suPPoRt system

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?

Identify the extent and sustainability of groundwater (and surface water) resources

➔ multi layer water-agricultural model

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Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

Research

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.

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.

Salalah, Sultanate of Oman, Groundwater resource management and planning The Hague, Water demand management framework

Can Tho, Vietnam Sanitation Options Study – Australian Agency for International Development

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 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.

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.

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.

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.

There is a need to build capacity within government, industry and the research community and continue to develop frameworks for dealing with the issue.

Page 7 Water for Australian Agriculture: Expression of interest

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.

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.

Fact sheets

UTS

One of the many projects I’ve undertaken for The Institute for Sustainable Futures are these factsheets to promote a new housing initiative.

COHOUSING FOR SENIORS: What is cohousing?

What is cohousing?

Cohousing is an approach to living that is focused on community: it is about sharing more living spaces and reducing social isolation, while recognising that every household wants privacy and security.

Cohousing is not a single model of housing, but can take several forms, from two households sharing a block to dozens of households coming together to design and share a community. There are both rental and owner-occupied variants.

Cohousing is usually comprised of a mix of private and shared spaces. Each household has their own self-contained dwelling, but shared spaces provide a place for households to come together.

Shared spaces might include gardens, barbecue and entertainment areas, community rooms, common lounges, shared guest facilities or common kitchens.

Residents generally manage cohousing developments. Like the body corporate committees that manage strata housing, decisions about cohousing are made by the people who live there.

Often, the eventual residents also get involved in the design process to make sure the mix of private and shared spaces meets their needs.

Is cohousing for you?

Independence and remaining connected to the community is key to our happiness as we retire. Cohousing offers an affordable and sustainable housing option for seniors who: ■■

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Want to reduce living costs and downsize but don’t want to move cities/towns to afford retirement Want to stay near family, friends and local services Value neighbourliness but want to maintain privacy Want to remain active and engaged in a community Want to live somewhere stable, secure and safe Want to find a way to share skills and knowledge with others Want to reduce the environmental footprint of their housing.

Cohousing can take many forms, so there are types to suit everybody’s retirement vision. Some cohousing communities are

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

How does it work? FINANCIAL IMPLICATIONS intergenerational, allowing seniors to maintain connections with young people and families.

Others are seniors-only, allowing residents to enjoy a quiet retirement. Cohousing can also provide opportunities to share health care costs—whether through a live-in carer that is shared among residents or a similar arrangement that helps offset the costs of accessing in-home care.

What does it cost?

What will happen to your pension?

Cohousing often costs less to build or rent than more conventional property. Small-scale cohousing and deliberative development provide opportunities to reduce the costs of housing, while cooperative rental is focused on providing affordable rental properties to residents.

Cohousing is about sharing—but you get to have a say in how much you share. It’s also about managing your own community—but you can determine how involved you get in this, too.

This depends upon the model, and the arrangements that have been put in place for each cohousing development may vary. Typically, however, owneroccupied cohousing will be set up using strata title, meaning that selling your cohousing unit is as easy as selling any other home.

This will vary depending on your specific circumstances. If you own and live in a cohousing development, this would be considered your primary residence, and therefore would not be included in the assets test for the pension. However, if you are downsizing and expect that you will pay less for your cohousing unit than you make selling your existing home, there may be implications for your pension.

You should speak to Centrelink for advice on how cohousing might affect your pension.

What happens if I want to sell?

What about inheritance?

In general cohousing should not have implications for inheritance. Cohousing will typically be set up using strata arrangements, so your family will easily be able to sell your cohousing unit and recover its value, the same as with any other housing unit. If the cohousing development is set up using company title, it may be slightly more challenging to sell the unit, as banks often restrict lending to company title lots.

However, this will vary on a case-by-case basis.

If you are renting and receiving a pension, there would be no implications related to moving to a cooperative rental cohousing arrangement. If you are eligible for the Commonwealth Rental Assistance payment, this can continue to be used to subsidise the cost of your rent in cooperative housing.

Thorn

Annual Report

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.

Business Summary

2015 Shareholder Review

Radio Rentals and RentLo one paragraph introduction to what the company does to go here, one paragraph here. one paragraph introduction to what the company does to go here, one paragraph here. one paragraph introduction to what the company does to go here.

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NCML

Thorn Business Finance

Building a diversified financial services business For our customers

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4 Thorn Group Shareholder Review

Thorn Group Shareholder Review

Managing Director’s Report

5

From left: Coffee machine leasing through Thorn Equipment Finance, whitegoods to Rent, Try $1 Buy from Radio Rentals and Thorn Financial Services offers unsecured loans up to $15,000.

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James Marshall Managing Director

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6 Thorn Group Shareholder Review

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

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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.

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.

Thorn Group Shareholder Review

7

BetaView Windows

Product brochure

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.

Signature range Enhanced design capabilities and a deeper frame for premium styling

Product Brochure

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.

› › › › ›

the

SUPPLY INSTALLATION experts

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

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

1300 44 64 44 | betaview.com.au

Signature Bi-fold Window

Signature Bi-fold Door

Key benefits

Signature range

› ›

Create the ultimate entertaining area with an impressive design

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Creates a full width opening

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Suits entertainment and servery areas

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Excellent design feature Configurations to open left, right or both sides

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.

Upgrades

20

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

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

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

›

Available with multiple panels to suit various applications Lead door offers single panel access for everyday use Great upgrade from a sliding/ stacking door

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.

Contact us on 1300 44 64 44 to find out how we can help.

Technical Data

Create stylish living spaces between the interior and exterior of your home

Ideal lifestyle choice for the home

Signature range

›

Key benefits

Contact us on 1300 44 64 44 to find out how we can help.

Have you considered?

Technical Data

Signature Sliding (Servery) Window?

Turn to page 16 to compare.

Frame depth

100mm

Max. height

2450mm

Max. width

6500mm

Max. panel width

840mm

Max. glass thickness

12.38mm (single glazed), 24mm (double glazed)

Colour Options Please refer to the BetaView Colour Options sheet

Upgrades

Max. bushfire attack level BAL 40

Glass options Smart Glass for improved comfort Bushfire Attack Compliance Available up to and including BAL 40

Have you considered?

Signature Stacker Door Turn to page 22 to compare

Colour Options Please refer to the BetaView Colour Options sheet

Modify existing openings with our cut out/cut down service

21

Program notes 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)

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

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.

1940s

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.

Babel’s voices: Rites and Rituals in Bernstein’s MASS

centenary

Conservatorium of Music program

Brochure

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.

Poster for a recital by Marjorie Hesse, who was a piano student of Frank Hutchens.

1945

Noel Mewton-Wood, an Australianborn concert pianist who achieved international fame.

absolutely normal for one line to be based on a Latin chant, and another to use the text of a lovesong 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

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

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.

1940s

(continued overleaf)

1946

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.

Musica Viva Players (from left to right): Robert Pikler, Edward Cockman, Maureen Jones, Richard Goldner and Theo Salzman.

Gondwana Sydney Children’s Choir

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.

Lyn Williams OAM Artistic Director and Founder

The Con joined forces with the University of Sydney with Sharman Pretty (above) at the helm in the mid 1990s.

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

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.

Barry Ryan OAM – Celebrant 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.

1990s

The design is both contemporary and classic, elegant and unexpected, just like the Conservatorium itself.

1945

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 postreligious West.

collaboration

– Harold C. Schonberg (1971)

Sir Eugene Goossens was jointly appointed as Director of the Conservatorium and Chief Conductor of the Sydney Symphony Orchestra in 1946.

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 sacredsecular divide in ways that are controversial and confrontational.

Bernie Heard 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. Suebin Bae Guian Balan Bridie BatterhamMurphy 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 JakovskyColeman Maeve Kelaher

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.

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

amalgamation

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.

1996

The trio of Gerard Willems, Christopher Kimber and Michael Halliwell after a 1996 tour of Southeast Asia.

1997

The Last Night of the Con concert, 29 November 1997, in the Verbrugghen Hall before redevelopment of the site commenced.

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.

Grant Constructions corporate profile

Corporate communications

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

Logo design

Corporate identity

Colour logo for large size reproduction

Colour logo for small size reproduction

Black logo for large size reproduction

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

Australia Quartet

Corporate identity

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 bestloved 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.

Australia Quartet presents:

UTS Piano Quartet in Residence Chamber Series 2013 Opening Concert #1:

6:30pm Tuesday 30 April 2013 Bon Marche Studio, UTS, 755 Harris Street, Broadway

Gala Concert #2:

Tamara-Anna Cislowska, piano Veronique Serret, violin James Wannan, viola Thomas Rann, cello

Collaboration Concert #3:

Bookings: http://australiaquartet.eventbrite.com Tickets: Entry by donation — please reserve tickets online Venues: Please check online for venue information

6:30pm Tuesday 28 May 2013 UTS Great Hall, Level 5, Building 1, Broadway

Australia6:30pm Quartet Tuesdaypresents: 3 September 2013

Art Gallery, Level 4, 702 Harris Street, Broadway UTS Piano Quartet inUTSResidence Concert ChamberFinale Series 2013#4:

6:30pm Tuesday 5 November 2013 Bon Marche Studio, UTS, 755 Harris Street, Broadway

AQ_UTS_Postcard_AW_outline.indd 1

22/04/13 7:58 PM

AQ_UTS_Poster_AW.indd 1

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

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

22/04/13 8:01 PM

Miller & Miller Strategic Communications

Corporate identity

Miller & Miller are a boutique strategic communications firm who required a simple, contemporary yet elegant design solution for their corporate identity.

PO Box 425 Lane Cove NSW 1595 ABN 62 135 978 059

Mobile: 0447 193 246 veronica@millerandmiller.com.au www.millerandmiller.com.au

This branding has been applied to a wide range of material including stationery, capability statements, tender presentations and more.

Veronica Miller Director

PO Box 425 Lane Cove NSW 1595 Mobile: 0447 193 246 veronica@millerandmiller.com.au www.millerandmiller.com.au

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

Organic Gardener Diary and Calendar

Publishing

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

Sunday

Monday

Tuesday

Wednesday

Thursday

Friday

Saturday

New Year’s Day

3

5

6

7

8

9

10

11

12

13

14

15

16

17

21

School Term 1 Starts (VIC)

22

23

24

28

29

30

31

Australia Day

25

19

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 Last quarter

New moon

ABC Organic Gardener Magazine

20

School Term 1 Starts (QLD, NT urban schools, SA)

26

What to plant

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

2

4

18

Full moon

1

First quarter

27

School Term 1 Starts (NSW Eastern Division, NT remote schools)

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.

Football RoaR The A-League and beyond

Goalkeeper Michael Theo

TalenT Thomas Broich

DEJAN KALINIC unveils the A-League Team of the Decade as voted by you, the fans.

Your Player of the Decade

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

We can win this: Ange sets Socceroos’ sights on Asian Cup

Melbourne’s change of Heart Sydney: a tale of two cities

win e Asian

s to th

Ticket

Cup

ers Seven memb e XI of the all-tim for have played e Victor y.

Melbourn

Perth: bring back the Glory

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 centreback 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.

Photos: Sydney FC, Melbourne Victory, Getty Images

ABC Football Magazine

Magazine

Football The A-League and beyond 2014/15

ABC Football Magazine was an 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.

A-League: who’s in the Team of the Decade?

Previews: A-League, Asian Cup and W-League

Defender Ivan Franjic

Defender Sasa Ognenovski

Defender Kevin Muscat

Defender Adama Traore

Midfielder Carlos Hernandez

Midfielder Matt McKay

Midfielder Mark Milligan

Midfielder Thomas Broich

Striker Archie Thompson

Striker Besart Berisha

Sharp shooters, predictions, full fixtures list and more 20

ABC Football magazine 2014/15

ABC Football magazine 2014/15

21

an “It’s quite en I was honour. wh was an first told, it ment.” amazing mo

On tOp dOwn under Australia loves Thomas Broich. The feeling is mutual, the A-League Player of the Decade tells FRANCIS LEACH.

Photo: John Nguyen

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.

24

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.

ABC Football magazine 2014/15

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

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.

Above: Broich fends off Jets midfielder Ruben Zadkovich.

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

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.

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

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.

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?

25

26

ABC Football magazine 2014/15

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?

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.

Photos: John Nguyen and Getty Images

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.

Thomas Broich with his Player of the Decade medal.

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 selfbelief 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.

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.

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.

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.

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.

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.

ABC Football magazine 2014/15

27

Art Gallery of NSW concept

Digital campaign design

How do we convince people who rarely or never visit the gallery to come? Then how do we encourage them to return?

Many people feel that the gallery is stuffy, boring and has nothing to interest them, but are unaware of the wide variety of art, music and other events that are on offer – there’s something for everyone.

My concept was to create a digital campaign and microsite including a fun quiz which would be promoted through social media, offering visitors the opportunity to have a customised portrait created for them which would be exhibited in the Art Gallery of NSW. They’d be able to visit their portrait in a section of the gallery which best matches their tastes, and would be encouraged to take selfies with their portrait and share it on social media. Their quiz answers would then be used to send them carefully tailored eDMs about events, art, movies or music which match their interests, encouraging return visits.

iiNet

11:47 AM iamart.com.au

60%

(Self directed project)

11:47 AM iamart.com.au

60%

When was the best era for music?

Classical Mozart, Beethoven, Shubert and the classical greats

Jazz Louis Armstrong, Miles Davis, Diana Krall and Michael Buble

Now upload a photo of yourself for your custom curated portrait.

For best results pick a photo which is in focus and includes just you rather than a group of people. Your image can be either colour or black and white, but it should be at least 1000px wide.

Upload your photo 1960s and 1970s Golden oldies gone from the charts but not from our hearts

Indie and rock Independent, raw and exciting new music that looks forward

Back

Next

Zoom in to ensure that your face is not too small iiNet

11:47 AM iamart.com.au

Drag to reposition image to ensure your face is in the centre of the frame

60%

Back

Here’s a sneak preview of your custom curated portrait before it goes on show to the public.

iiNet

Next

11:47 AM iamart.com.au

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Now we just need a few details so that we can invite you to the public exhibition of your custom curated portrait

View the InVision prototype here.

This project was completed in the Tractor Digital Design course for which I won the award for best student.

iiNet

Like what you see?

Click on Next and your portrait will be exhibited in the at the Art Gallery of NSW.

Not convinced?

Your name

Your email address

Your postcode

Click on Back and upload a new photo.

Share with your friends

Your gender The Art Gallery of NSW would like to send you occasional emails, to opt out please tick this box.

Back

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

Next

Back

Next

OrizonIT

Website/UX design

OrizonIT (recently renamed StarboardIT) are a new IT consultancy who wanted to add a professional design touch to the bare bones of the website that they’d developed in-house, in a cost effective way. I worked with them to analyse the UX and structure of their website, advised them on the structure and flow of information and created a design look and feel with accompanying digital assets such as web sliders and graphics to add personality to their website.

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

Whyte & Co Executive Coaches

Website design

Whyte & Co are executive coaches and wanted a very clean, modern and corporate website to showcase their expertise and introduce their coaches. The design was created to be contemporary and professional, and to reinforce their branding.

I created the design and then worked with the developer who programmed the website including checking content and liaising with the client throughout the process.

T eam CV

Homepage

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

First State Super web banner

Digital design

This “Discover the untold facts” web banner was created to match the existing branding guidelines for First State Super, a large Industry Superannuation fund who use “Sam” a stylised character to promote their brand. I worked with the client to create the concept of the explorer Sam who is investigating information about his superannuation. I then created the illustration, designed the banner and supplied it to the client as a web-ready JPG for insertion in their website.

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

CareSuper

eStatement

CareSuper briefed us to create a suite of Benefit Statements for their members which would include a print and online version. These versions needed to complement each other, while also allowing them to take advantage of the interactive aspect of digital to enhance customer engagement.

The print version included an innovative use of data to illustrate each member’s prospective retirement in a visual way, and was a complex project involving multiple datamodels of variable information.

your super your superfor the year ending 30 June 2014 statement

statement

Yourfor 2014 member pack consists theannual period 1 Julystatement 2014 to 30 June 2015of: What’s in statement your pack? Your Member Statement, including the Your super magazine Quickreference reference guide (which explains Quick guide Annual Reportthings in more detail). Plus, your member magazine. (available at caresuper.com.au)

Member number: Member since:

Your balance Date of birth:

*L000161*

120727/AA/000000

Provided

paul.deschamps@hotmail.com $100,000.00

Beneficiaries:

Ashleigh Deschamps 40.00%

40.00% Thanks for beingAimee withDeschamps CareSuper.

Sharon Furner 20.00% Here’s your first statement.

Binding

006

Mr MsPaul SamDeschamps Sample 5123 Buller StreetStreet Sample NORTH PARRAMATTA NSW 2151 MELBOURNE VIC 3000

Expiry date 10/07/2015

Member number: 123456789 Email address: Provide your email at 929893 BPAY® biller code: caresuper.com.au/myemail.

BPAY reference number: 40 687 721 34

Your account Hi <First name>,

summary

Opening balance at 1 July 2013

$105,246.36

Welcome to your annual statement for the period 1 July 2014 from your $12,999.76 to Earnings 30 June 2015.

Useinvestments this statement to work out whether your super will meet your future needs.

Your could accountyour balance history What income be in the future?

This shows your account balance over the past 5 years.

$127,932

$105,246

Plus

Your account overview

Employer contributions Federal Government contributions tax rebate

Opening balance at 1 July 2014 Minus Net investment returns Contributions Federal Government contributions tax Net transfers in fee Administration Rebates Insurance premiums Credits/Adjustments Closing balance at 30 June 2014 Withdrawals Net transfers out Insurance premiums Adjustments Fees and taxes Closing balance at 30 June 2015

$70,595

$80,321

$60,195you stop working, you’re going to need an income, just When like you do now. We’ve calculated what this could look like, based on your CareSuper balance at 30 June 2015.

<$xxx,xx.xx> <$xxx,xx.xx> <$xxx,xx.xx> -$1,757.20 <$xxx,xx.xx> -$303.85 <$xxx,xx.xx> -$435.66 <$xxx,xx.xx> $127,932.72 <-$xxx,xx.xx> <-$xxx,xx.xx> <-$xxx,xx.xx> <-$xxx,xx.xx> <-$xxx,xx.xx> <$xxx,xx.xx>

Will this be enough for the lifestyle you want? Find out more 30/06/10 30/06/11 30/06/12 30/06/13 30/06/14 about how your future could look on page 2.

Take the guesswork out of retirement Use our online calculators to start planning your financial future. Visit caresuper.com.au/supercalculators to get started.

Your insurance cover

Comfortable retirement

$29,222

Type of cover per year*Number of units

Your transactions are on page 5.

Your account balance history This shows your account balance at 30 June over the past 5 years. $40,537

unlock a better future $21,234

<First name>,

$12,175.37 $7.94

Want more details?

120727/AA/000000

Employee Plan 01/05/2007

atProvided 30 June 2015:

Tax file number: Email:

1320021030200122102122100201000000000221210120212021313010010233213

40687721

Membership type:

$29,015

$32,678

$24,501

] ONLY PLE [SAM

Complete the enclosed Transfer super form 2013 2011 your2012 to stop paying multiple fees.

2014

Death

6

Total and permanent disablement (TPD)

6

Income protection (per month)

Amount of cover

Your estimated future $232,920.00 retirement income: $232,920.00 $xxx,xxx

per year*

$7,225.00

How past TPD claims affect your cover If you have previously been paid a TPD benefit, you will be eligible for death only cover with CareSuper – not TPD or income protection cover. If this applies to you, call us on 1300 360 149 to change your cover to death only, which reduces your premiums.

We will refund any TPD premiums that have been deducted from your account.

Apply to increase your cover online Thinking about increasing your insurance? Visit Age pension caresuper.com.au/login to access MemberOnline where you can increase your cover the Insurance section. perinyear

2015

$16,859

* These figures are based on a range of assumptions. We’ve explained these in more detail on page 2.

The information provided in this document is general advice only and has been prepared without taking into account your particular financial needs, circumstances and objectives. You should consider your own investment objectives, financial situation or needs and read the Product Disclosure Statement prior to making an investment decision.

Please refer to the Quick reference guide included with this statement for an explanation of the benefits reported above. The insured benefits (if any) that we have You may also wish to consult a licensed financial adviser. recorded for you are not guaranteed and are subject to you meeting the policy conditions and our records being correct.

call call

1300 1300360 360149 149

visit visit

caresuper.com.au caresuper.com.au

email email

CARE Super Pty Ltd (Trustee) ABN 91 006 670 060 AFSL 235226. CARE Super (Fund) ABN 98 172 275 725.

P rint version

admin@caresuper.com.au admin@caresuper.com.au Page1 1 Please turn over > Page

Digital version

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

ABC Football Social Media Tiles

Digital design

To help promote the launch of the first issue of ABC Football magazine (which I also designed) I was commissioned to come up with a series of web tiles and banners for use across a wide variety of social media.

eNewsletter banner

Facebook tile

Instagram tile

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

Australian Careers Network

Presentation

I was commissioned to create a presentation template for Australian Careers Network, to allow them to put together professional looking presentations themselves. This powerpoint template was created to give them a selection of images, graphs and text pages to cover all bases and keep their marketing materials consistent at all times.

Title to go here

Title to go here

Subheading

Sub$tle 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, bullet text to go here text to go here – Indent bullet text to go here text to go here – Indent bullet text to go here text to go here, bullet text to go here text to go here

Date XX/XX/2015

1

Sec7on 7tle to go here

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

2

Sec7on 7tle to go here

>> MENT AGE AN M

>> > M Measure T Tool

>>

D Decision

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

T2

T3

6 D

Using the decision support framework What is the question/decision to be made?

• Science tells us, trees cool the city.

• Where to best plant trees to maximise cooling along public transport routes?

M

M3 T1

>>

>>

M1

>>

(software)

Man Ass ag et em

(methods)

Examples: iTree Urban Monitor Green to Gold

D1

Ma Ve n

>>

M2

>>

Hard tools

>>

>>

>>

Decision Entry Point

>>

Soft tools

an wellbei Hum liveability ng &

stem osy ent Ec nagem a M

Decision support framework

>

Examples: Guidelines Rapid assessment

>

>>

5

Urban green space measures are grouped thematically

>> LICY PO

4

Tools range from published methods to coded software

Measures

>

NNING PLA

GAGEMENT EN

>>

Tools

3

Urban green space decisions have a variety of entry points

Urba Plann n ing

2

Decisions

t en

Infographic

UTS

Growing towards best practice planning & management in Australia

>>

1

Urban green space

n tio ta ent ge gem a

The challenge of this project was to take a very complex discussion framework and transform it into a simpler version that could be used as a talking piece around which the client would explain the finer details.

T

Which measure(s)?

• The measures may come from urban planning, human wellbeing & liveability and ecosystem management.

Which tools?

• Soft: e.g. rapid assessment of urban green cover • Hard: e.g. iTree software • Resulting maps can be overlaid with e.g. heat mortality maps and public transport information to find priority planting spots.

SuperNews

Web firststatesuper.com.au

Annual Report Highlights 2014-15

Call 1300 650 873

Email enquiries@firststatesuper.com.au

it’s been a good year with increased membership and funds under management

Performance highlights Our new

website

Total number of members (including income stream)

Message from our chairman

Account balance Average account balance

2015: 752,329

direct

2014: 779,160

<$100k

$62,879

<$200k

434,912

567,847

682,470

60.1%

78.5%

94.3%

Who are we?

INVEST

<$50k

Investment

Total funds inflow

Total funds under management

Increase

20 15

Financial Planning

$5.953bn

appointments in 2015

Total funds under management

11,556

$46.1bn 13.4% $52.3bn

February 2016

2

Jo Yuen Portfolio Email: jo_yuen@iinet.net.au Mobile: 0415 138 738 Website: joyuendesign.com.au

Balanced

Balanced

Accumulation Income Stream

2015 Investment Performance

9.9%

10.8%

Diversified Diversified

Accumulation Income Stream

7.7%

8.6%

Balanced

Balanced

Accumulation Income Stream

of appointment kits sent by email

2010/ 2011/ 2012/ 2013/ 2014/ 2011 2012 2013 2014 2015 Registered for online access Provided their email address

11% signed up for online statements

initial appointments

3 in 4

241 seminars attended by 10,900 members

8,791 statements of advice issued

2943 requests for meetings

48,554 employers making contributions to the fund

Financial statements

Diversified Diversified

Accumulation Income Stream

10.8% 11.9%

94.4%

Managing your account

2014 Investment Performance

13.3% 14.7%

35% 30%

Investment management and performance

super?

45%

Total funds inflow

$4.875bn

Who gets your

50%

40%

Leadership, governance and risk management

myth

14 20

million dollar

Online access

Funds under management

The external environment

The

update

Performance Performance highlights highlights

Illustration

I have experience in creating complex infographics to represent financial data as well as traditional illustration skills.

3