Your upgrade to IOOF Pursuit

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1 Your upgrade to IOOF Pursuit

2 The following is more information about your upgrade to the IOOF Pursuit Select Investment Service Firstly, about Pursuit IOOF Pursuit Select Investment Service for Plan B (Pursuit) offers you a comprehensive investment management and administration service to help you achieve your financial goals. When you invest through Pursuit you gain access to a wide range of managed investments, term deposits and listed investments, enabling you to choose the investments that suit you. Your investment account can be used for anything from simple wealth creation to meeting longer-term retirement plans. Let us take the hassle out of investing while you retain control and begin working towards achieving your financial goals today. Features of Pursuit Some of the key features of Pursuit include: Enhanced features and functionality to provide a greater level of investment control and flexibility. Suited to individual and joint investors, partnerships, trusts, companies and self managed super funds (SMSFs). A comprehensive range of managed investments across all asset classes and styles including managed investments from leading fund managers, generally at wholesale prices. Access to all fully paid ordinary and preference shares, stapled securities, exchange traded funds, interest rate securities and listed investment companies listed on the ASX as well as term deposits. Flexible retail insurance options including death cover, total and permanent disablement cover, income protection cover, business expense cover and critical illness cover. Transparent fees there is only one Administration Fee, regardless of how many times you transact on your investments account. Flexible withdrawal and income distribution options. Access to your investment online via IOOF s portfolio management tool, Portfolio Online. 2

3 PlanB Your upgrade to IOOF Pursuit Now the upgrade We are aiming to make this as easy and simple for you as possible. So, the upgrade will be completed without you having to do a thing. Important dates The upgrade is scheduled to take place on Friday 14 February Either side of this date there are some measures we need to take to ensure it is as seamless as possible. Between Friday 7 February 2014 and Thursday 20 February 2014, you and your financial adviser won t be able to update your account details or buy and sell investments, while we make all necessary adjustments to your account. Deposits received during this period will be held in an interest-bearing trust account. These will be processed to your new Pursuit account after the end of the temporary suspension period. What won t change? There ll be no change to your investment profile or investments where possible. If there are any changes to your investments, the enclosed covering letter will detail this. Unless you have a margin loan attached to your account, the fee amount that you agreed with your adviser will not change. In Pursuit though, your adviser has the flexibility to charge a variety of different investor advice fees. However, any changes to your current fee arrangements need to be agreed with you before they can be made. For more information on the changes to adviser fees paid on margin loan accounts, please see page 5. The operator and custodian of the service remains IOOF Investment Management Limited (IIML). Communications On completion of the upgrade, you will receive your Investor Schedule for your new Pursuit account which confirms your investment account details, including your IOOF Customer Reference Number for any future Bpay payments. 3

4 What will change? Fees Integral Investment Service The administration fees that you ll pay in Pursuit will be the same that you are currently paying now in Integral. The only change is the minimum administration fee, Pursuit has a minimum fee of $5 per month ($60 per annum). This will only impact investors with an account balance of $10,435 or less. Integral Institutional Investment Service Integral Institutional clients: Currently in Integral you may be charged an administration fee of up to per cent. In Pursuit however, the minimum administration fee of $5 per month ($60 per annum) will apply. A comparison of the fees are detailed in the table below: Type of Fee or Cost Integral Pursuit Management costs The fees and costs for managing your investments Integral Investment Service Administration fee Administration fee First $250, % pa First $250, % pa Next $250, % pa Next $250, % pa Next $500, % pa Next $500, % pa Above $1 million Nil Above $1 million Nil Calculated daily and deducted at the end of the month. Minimum Administration fee is $5 per month ($60 pa). Calculated daily on your account balance. It is charged monthly in arrears and deducted from your Cash Account at the beginning of each month. Integral Institutional Investment Service Administration fee Up to 0.825% pa. Administration fee Up to 0.825% pa. The amount you pay for specific investment options Other Fees Listed Security Administration Fee Investment management cost is estimated to be between 0.18% % pa of your account balance, depending on the investment option chosen. Not applicable Minimum Administration fee is $5 per month ($60 pa). Calculated daily on your account balance. It is charged monthly in arrears and deducted from your Cash Account at the beginning of each month. Investment management cost is estimated to be between 0.18% % pa of your account balance, depending on the investment option chosen. $5 per month. Calculated daily. It is charged monthly in arrears and deducted at the beginning of each month. This fee is only applicable if you opt in to investing in listed investments. Switching Fee Nil Nil 4

5 PlanB Your upgrade to IOOF Pursuit If you choose to invest in a managed investment you will also pay an investment management fee, which varies depending on the investment option you choose. If after the upgrade you remain in the same investment option as you were in before the upgrade, your fees will not change (provided your account balance is above $10,435 so that the minimum fee does not apply). Below is an example of the fee you may pay in a single investment of $100,000 in one year. As you will see the fees have not changed, assuming you remain in the same investment option. Example Profile 55 Integral Pursuit Management costs Investment Management Cost (0.80% pa) $800 $800 Administration Fee $ $ Management Cost (Administration Fee plus the Investment Management Cost) $1, $1, Adviser fees you pay less but your adviser receives the same amount With the upgrade, the amount of fees you pay your adviser will stay the same, however the cost to you will decrease. This is because in Pursuit, a reduced input tax credit (RITC) at a rate of 75 per cent is currently claimed against the Goods and Services Tax (GST) incurred which reduces the amount deducted from your account. Below is an example based on an advice fee of $500, where a full RITC is currently available, to show you how this works. Currently within Integral, your ongoing adviser fee is paid at the end of the month based on your account balance on the last day of the month. This will change in Pursuit where the ongoing fee is accrued daily and paid at the beginning of each month in arrears. If you have a margin loan attached to your Integral account, you may have agreed with your adviser to pay a percentage based ongoing adviser fee. Please note that this will not be allowed to continue in Pursuit and will terminate upon the upgrade. Therefore, you may need to agree to a dollar based ongoing adviser fee with your adviser. Your Cash Account Your Cash Account will continue to be used to process all cash transactions that occur within your investment account. Currently within Integral around three per cent of your account is held in the Cash Account. Your cash is held in a bank account with BankWest and interest is calculated daily and credited monthly. With the upgrade, your Cash Account will change. The new cash minimum in Pursuit will be one per cent. Your Cash Account will be invested in a combination of an operating bank account (for day-to-day transactions) and in the IOOF/Perennial Cash and Income Fund. Any portion of the Cash Account which exceeds the required balance of the operating account from time to time will be invested in the IOOF/Perennial Cash and Income Fund. Any interest generated from your Cash Account is calculated daily and paid monthly. Please note: You may nominate a higher percentage than the minimum to be maintained in your Cash Account. However you will no longer be able to specify a dollar amount to be maintained in addition to your Cash Account minimum. Example Profile 55 Integral Pursuit Adviser fee $ $ Plus 10% GST $50.00 $50.00 Fee paid to your financial adviser $ $ Less RITC of 75% $0.00 $37.50 Cost to you $ $

6 Keeping your cash topped up As with Integral, when your cash balance is below the minimum requirement, we will sell assets to restore the balance to the minimum. See below for more details on how this will change after the transfer. How often your Cash Account balance is checked When assets are sold Sell down strategy Integral Daily When balance is below one per cent. Assets are sold according to profile specified in your application form. Pursuit Weekly When the balance is likely to fall below zero within the next seven days. You are able to select from three options: 1. Investment option with the highest balance (default option) 2. Pecking order where funds are redeemed according to your prioritised list 3. Pro-rata option funds are redeemed across all managed investments according to the proportion invested in each. Please note: Where possible, the sell down strategy you have in place in Integral will continue after the transfer. However, if you have no sell profile attached to your account then the investment option with the highest balance will become your default and will be sold first. Minimum payment amounts There are differences in the minimum amount requirements. See below for more details. Product Integral Investment Service Integral Institutional Investment Service Pursuit Minimum Amounts Minimum additional investment amount $1,000 No minimum $2,000 Minimum account balance No minimum No minimum $2,000 Minimum one off redemption $5,000 No minimum The lesser of $2,000 or account balance. Regular savings plan $300 per payment, monthly, quarterly or half yearly. $1,000 per payment, monthly, quarterly or half yearly. $200 per payment, monthly, quarterly, half yearly. Regular withdrawals $500 per payment, monthly, quarterly or half yearly. $1000 per payment, monthly, quarterly or half yearly. $200 per payment, monthly or quarterly. Minimum amounts for investment options and switching instructions Nil Nil Managed investments $200 per managed investment (no minimum per managed investment with a Regular Savings Plan). Term deposits $5,000 per term deposit Direct Share Choice a minimum parcel of $2,000 is required per listed investment trade. Regular payments Any regular withdrawals will be processed as per normal in February However, the payment for March 2014 will be processed at the beginning of March. This may mean that you need to monitor your Cash Account because if it is likely to fall below zero, assets may need to be sold to restore your Cash Account balance to the minimum. 6

7 PlanB Your upgrade to IOOF Pursuit Manage your investment with Portfolio Online Portfolio Online is a valuable tool to help you and your adviser manage your investment. This secure, user friendly website gives you access to a range of current and historical transaction and performance details about your investment account, including: portfolio summary view the total value of your account account transactions view all your transactions including your investments, withdrawals and income distributions account information view information about your regular savings and withdrawal plans, investment instructions and the nomination made for your income distributions from the managed investments statements view current and historical statements online reports view your portfolio history, cash account statement, asset allocation and performance reports electronic communications view the communications which you elect to receive electronically listed investments if you have chosen to invest in various listed investments available under Direct Share Choice, your financial adviser must submit orders to buy or sell listed investments and other instructions using Portfolio Online. You must maintain your Portfolio Online registration for so long as you hold any listed investments under the Direct Share Choice. What to do now If you wish to take advantage of the upgrade, and become an investor in Pursuit, you don t need to do anything. It will happen automatically on Friday 14 February After the completion of the upgrade, we will send you and your financial adviser a letter confirming the transaction and provide you with your new account details. Then it is up to you and your financial adviser if you wish to take advantage of all the new features available. If you do not wish to invest in Pursuit, we recommend you speak to your financial adviser to discuss your options as you must let us know and send through a withdrawal request prior to 24 Friday January If you have any questions please contact your financial adviser or call us on How to register for Portfolio Online You can register for Portfolio Online once you have received your client number, which you will receive in your Investor Schedule once the upgrade is complete. Simply apply online by clicking on the login button on the homepage of the IOOF website ( and we will send you an allowing you to create your own password. 7

8 Contact details Level 28 Central Park St Georges Terrace Perth WA 6000 PO Box 7008, Cloisters Square Perth WA 6850 t f e Plan B Wealth Management Ltd ABN AFSL No Part of the IOOF group This is general advice only and has been prepared without taking into account your particular objectives, needs, and financial circumstances. Before making any decision based on this document you should assess your own circumstances or consult a licensed financial adviser. You should obtain and consider a copy of the IDPS Guide (Offer Document) relating to each financial product, before you acquire the financial product. You may obtain the Offer Document from our website or by contacting us directly. To the extent permitted by law, IOOF Investment Management Limited ABN AFSL No , its related parties, employees, consultants, advisers, officers and authorised representatives are not liable for any loss or damages arising as a result of reliance placed upon the contents of this document. The information provided in this document is given in good faith and believed to be accurate. PLA

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