1. Mandarin recently migrated from the United Republic of Orangeland (URO). He has started working as a chef at the Hilton Hotel in Melbourne, and is unsure about which Superannuation fund he should join. He speaks to a financial advisor at THATBank who advises Mandarin to join the HelpMeSuperFund because they also offer income insurance. The premiums will cost approximately $50 per and the payments can be made by using the funds in their superannuation account. Mandarin thinks this method of payment is illegal.

Advise Mandarin.