Transaction costs (buy/sell spreads)

Transcription

1 Transaction costs (buy/sell spreads) spreads) Effective from September 2015 Transaction costs, including brokerage, stamp duty, settlement and other costs, are incurred by a fund when buying and selling fund assets. Transaction costs are recovered by what is called a buy/sell spread (the difference between the issue or withdrawal price of a unit and the unit price), which is based on an estimate of those costs. Buy/sell spreads are designed to protect investors by ensuring that the expense of buying and selling assets is borne by those who invest in or withdraw from a fund. Depending on the fund, the current 'buy' or 'sell' spread varies from 0% to 0.50%. This amount is an additional cost to you reflected in the unit price at the time you apply for units or when you withdraw from the fund and is not charged separately. For example, for every $1,000 that you invest in OnePath Managed Growth, the 'buy' spread is currently 0.07% (or $0.70). This amount is reflected in the 'buy' (issue) price at the time of your investment in the fund. As transaction costs may change, the buy/sell spread may also change without prior notice. Click the product you are interested in below and it will take you to the relevant section: OneAnswer Investment Portfolio (Including Frontier) 2 OneAnswer Personal Super (Including Frontier) 4 OneAnswer Pension (Including Frontier) 6 OneAnswer Term Allocated Pension 9 Integra Allocated Pension 10 Integra Super 11 Corporate Super 12 Investment Savings Bond 14 OnePath Retail trusts 14 OnePath Wholesale trusts 14 OnePath Wholesale life funds 15 Future Plans and Pooled Investment Plan 15 Allocated Annuity 15 Deferred Annuity 16 DIY Super Investments 16 OptiMix Trusts 16 OptiMix Wholesale Trusts 17 OptiMix Superannuation 17 OptiMix Allocated Pension 17 OptiMix Term Allocated Pension 18 If you are invested in the OnePath Capital Guaranteed Fund, please note that transaction cost factors do not apply.

2 OneAnswer Investment Portfolio (Including Frontier) AMP Capital Enhanced Yield (Suspended) AMP Capital Responsible Investment Leaders Australian Shares AMP Capital Responsible Investment Leaders International Shares ANZ Flexible Term Deposit Fund (Closed) ANZ Cash Advantage Arrowstreet Global Equity (Hedged) Ausbil Australian Emerging Leaders Bennelong Australian Equities Bentham Global Income BlackRock Balanced BlackRock Scientific Australian Equity BlackRock Scientific Diversified Growth BlackRock Scientific International Equity BT Core Australian Shares BT Smaller Companies Capital International Global Equities (Hedged) Challenger Howard Mortgages (Suspended) Colonial First State Global Credit Income Colonial First State Imputation Fidelity Australian Equities Goldman Sachs Income Plus Investors Mutual Australian Shares Kapstream Absolute Return Income Legg Mason Global Multi Sector Bond Legg Mason Global Value Equity Trust Magellan Global Fund Merlon Australian Share Income MFS Global Equity OnePath Active Growth OnePath Alternatives Growth OnePath Blue Chip Imputation OnePath Capital Stable * OnePath Conservative OnePath Diversified Fixed Interest OnePath Diversified High Yield OnePath Global Emerging Markets Shares OnePath Global Property Securities OnePath Global Shares

3 OneAnswer Investment Portfolio (Including Frontier) OnePath High Growth OnePath Income Plus (Suspended) OnePath Mortgage Trust No. 2 (Suspended) OnePath Property Securities OnePath Protected AUS OnePath Select Leaders OnePath Sustainable Investments-Australian Shares OnePath Tax Effective Income OptiMix Australian Shares OptiMix Enhanced Cash (Closed) OptiMix Geared Australian Shares OptiMix Global Emerging Markets Shares OptiMix Global Shares OptiMix Global Smaller Companies Shares Perennial Growth Shares Perennial Value Shares Perpetual Australian Shares Perpetual Balanced Growth Perpetual Conservative Growth Platinum Asia Platinum International RARE Infrastructure Value SG Hiscock Property Schroder Australian Equity Schroder Balanced Schroder Fixed Income Schroder Real Return T. Rowe Price Global Equity UBS Balanced UBS Defensive UBS Diversified Fixed Income Vanguard Australian Shares Index Vanguard Balanced Index Vanguard Conservative Index

4 OneAnswer Investment Portfolio (Including Frontier) Vanguard Growth Index Vanguard High Growth Index Vanguard Index Diversified Bond Vanguard International Shares Index Vanguard International Shares Index (Hedged) Vanguard Property Securities Index Walter Scott Global Equity Fund (Hedged) Zurich Investments Global Thematic Shares * This fund is not available on OneAnswer Frontier This fund is available on OneAnswer Frontier only. OneAnswer Personal Super (Including Frontier) AMP Capital Enhanced Yield (Suspended) AMP Capital Equity (Closed) AMP Capital Responsible Investment Leaders Australian Shares AMP Capital Responsible Investment Leaders International Shares ANZ Flexible Term Deposit Fund (Closed) ANZ Cash Advantage Arrowstreet Global Equity (Hedged) Ausbil Australian Emerging Leaders Bennelong Australian Equities Bentham Global Income BlackRock Balanced BlackRock Scientific Australian Equity BlackRock Scientific Diversified Growth BlackRock Scientific International Equity BT Core Australian Shares BT Smaller Companies Capital International Global Equities (Hedged) Challenger Howard Mortgages (Suspended) Colonial First State Global Credit Income Colonial First State Imputation Fidelity Australian Equities Goldman Sachs Income Plus Investors Mutual Australian Shares Kapstream Absolute Return Income Legg Mason Global Multi Sector Bond Legg Mason Global Value Equity Trust Magellan Global Fund Merlon Australian Share Income MFS Global Equity

5 OneAnswer Personal Super (Including Frontier) MLC Platinum Global (Closed) MoneyforLife Index Balanced MoneyforLife Index Conservative MoneyforLife Index Moderate OnePath Active Growth OnePath Alternatives Growth OnePath Blue Chip Imputation OnePath Capital Stable* OnePath Conservative OnePath Diversified Fixed Interest OnePath Diversified High Yield OnePath Global Emerging Markets Shares OnePath Global Property Securities OnePath Global Shares OnePath Guaranteed Cash (Closed) OnePath High Growth OnePath Income Plus (Suspended) OnePath Mortgages (Suspended) OnePath Property Securities OnePath Protected AUS OnePath Select Leaders OnePath Sustainable Investments Australian Shares OnePath Tax Effective Income OptiMix Australian Shares OptiMix Enhanced Cash (Closed) OptiMix Geared Australian Shares OptiMix Global Emerging Markets Shares OptiMix Global Shares OptiMix Global Smaller Companies Shares Perennial Growth Shares

6 OneAnswer Personal Super (Including Frontier) Perennial Value Shares Perpetual Australian Shares Perpetual Balanced Growth Perpetual Conservative Growth Platinum Asia Platinum International RARE Infrastructure Value SG Hiscock Property Schroder Australian Equity Schroder Balanced Schroder Fixed Income Schroder Real Return T. Rowe Price Global Equity UBS Balanced UBS Defensive UBS Diversified Fixed Income Vanguard Australian Shares Index Vanguard Balanced Index Vanguard Conservative Index Vanguard Growth Index Vanguard High Growth Index Vanguard Index Diversified Bond Vanguard International Shares Index Vanguard International Shares Index (Hedged) Vanguard Property Securities Index Walter Scott Global Equity Fund (Hedged) Zurich Investments Global Thematic Shares * This fund is not available on OneAnswer Frontier This fund is available on OneAnswer Frontier only. OneAnswer Pension (Including Frontier) AMP Capital Enhanced Yield (Suspended) AMP Capital Equity (Closed) AMP Capital Responsible Investment Leaders Australian Shares AMP Capital Responsible Investment Leaders International Shares ANZ Flexible Term Deposit Fund (Closed) ANZ Cash Advantage ANZ Prime Cash Management Account Arrowstreet Global Equity (Hedged) Ausbil Australian Emerging Leaders Bennelong Australian Equities

7 OneAnswer Pension (Including Frontier) Bentham Global Income BlackRock Balanced BlackRock Scientific Australian Equities BlackRock Scientific Diversified Growth BlackRock Scientific International Equity BT Core Australian Shares BT Smaller Companies Capital International Global Equities (Hedged) Challenger Howard Mortgages (Suspended) Colonial First State Global Credit Income Colonial First State Imputation Fidelity Australian Equities Goldman Sachs Income Plus Investors Mutual Australian Shares Kapstream Absolute Return Income Legg Mason Global Multi Sector Bond Legg Mason Global Value Equity Trust Magellan Global Fund Merlon Australian Share Income MFS Global Equity MoneyforLife Index Balanced MoneyforLife Index Conservative MoneyforLife Index Moderate OnePath Active Growth OnePath Alternatives Growth OnePath Blue Chip Imputation OnePath Conservative* OnePath Diversified Fixed Interest OnePath Diversified High Yield OnePath Global Emerging Markets Shares OnePath Global Property Securities OnePath Global Shares OnePath High Growth OnePath Income Plus (Suspended) OnePath Mortgages (Suspended) OnePath Property Securities OnePath Protected AUS

8 OneAnswer Pension (Including Frontier) OnePath Select Leaders OnePath Stable OnePath Sustainable Investments-Australian Shares OnePath Tax Effective Income OptiMix Australian Shares OptiMix Enhanced Cash (Closed) OptiMix Geared Australian Shares OptiMix Global Emerging Markets Shares OptiMix Global Shares OptiMix Global Smaller Companies Shares Perennial Growth Shares Perennial Value Shares Perpetual Australian Shares Perpetual Balanced Growth Perpetual Conservative Growth Platinum Asia Platinum International RARE Infrastructure Value SG Hiscock Property Schroder Australian Equity Schroder Balanced Schroder Fixed Income Schroder Real Return T. Rowe Price Global Equity UBS Balanced UBS Defensive UBS Diversified Fixed Income Vanguard Australian Shares Index Vanguard Balanced Index Vanguard Conservative Index Vanguard Growth Index Vanguard High Growth Index Vanguard Index Diversified Bond Vanguard International Shares Index Vanguard International Shares Index (Hedged)

9 OneAnswer Pension (Including Frontier) Vanguard Property Securities Index Walter Scott Global Equity Fund (Hedged) Zurich Investments Global Thematic Shares * This fund is available on OneAnswer Frontier only. OneAnswer Term Allocated Pension AMP Capital Enhanced Yield (Closed) AMP Capital Equity (Closed) Arrowstreet Global Equity (Hedged) Ausbil Australian Emerging Leaders Bentham Global Income BlackRock Balanced BlackRock Scientific Australian Equity BlackRock Scientific Diversified Growth BlackRock Scientific International Equity BT Smaller Companies Capital International Global Equities (Hedged) Challenger Howard Mortgages (Closed) Colonial First State Global Credit Income Colonial First State Imputation Investors Mutual Australian Shares Kapstream Absolute Return Income Magellan Global Fund MFS Global Equity OnePath Active Growth OnePath Blue Chip Imputation OnePath Diversified Fixed Interest OnePath Diversified High Yield OnePath Global Emerging Markets Shares OnePath Global Shares OnePath High Growth OnePath Income Plus (Closed) OnePath Mortgages (Closed) OnePath Property Securities OnePath Select Leaders OnePath Stable

10 OneAnswer Term Allocated Pension OnePath Sustainable Investments-Australian Shares OnePath Tax Effective Income OptiMix Australian Shares OptiMix Enhanced Cash (Closed) OptiMix Geared Australian Shares OptiMix Global Shares OptiMix Global Smaller Companies Shares Perennial Value Shares Perpetual Australian Shares Perpetual Balanced Growth Perpetual Conservative Growth Platinum International SG Hiscock Property Schroder Australian Equity Schroder Balanced Schroder Real Return UBS Balanced UBS Defensive UBS Diversified Fixed Income Vanguard Australian Shares Index Vanguard International Shares Index Vanguard International Shares Index (Hedged) Vanguard Property Securities Index Zurich Investments Global Thematic Shares Integra Allocated Pension OnePath Capital Stable OnePath Pension Growth

11 Integra Super (including Integra DIY Super Investment Plan) Advance Imputation (Closed) AMP Capital Equity (Closed) Arrowstreet Global Equity (Hedged) BlackRock Scientific Australian Equity BlackRock Scientific Diversified Growth BlackRock Scientific International Equity Capital International Global Equities (Hedged) Colonial First State Diversified Colonial First State Imputation Investors Mutual Australian Shares MFS Global Equity MLC Platinum Global (Closed) OnePath Alternatives Growth OnePath Blue Chip Imputation OnePath Capital Stable OnePath Diversified Fixed Interest OnePath Global Emerging Markets Shares OnePath Global Property Securities OnePath Global Shares OnePath High Growth OnePath Mortgages OnePath Property Securities OnePath Select Leaders OnePath Sustainable Investments - Australian Shares OptiMix Australian Shares OptiMix Geared Australian Shares OptiMix Global Emerging Markets Shares OptiMix Global Shares OptiMix Global Smaller Companies Shares OptiMix Property Securities (Closed)

12 Integra Super (including Integra DIY Super Investment Plan) Perennial Value Shares Perpetual Australian Shares Perpetual Balanced Growth Perpetual Conservative Growth Perpetual International Shares (Closed) Platinum International SG Hiscock Property Schroder Australian Equity Schroder Balanced UBS Balanced UBS Defensive Investment UBS Diversified Fixed Income (Closed) Vanguard Australian Shares Index Vanguard International Shares Index Vanguard International Shares Index (Hedged) Vanguard Property Securities Index Zurich Investments Global Thematic Shares Zurich Investments Managed Growth Corporate Super Advance Imputation (Closed) AMP Capital Equity (Closed) Arrowstreet Global Equity (Hedged) BlackRock Scientific Australian Equity BlackRock Scientific Diversified Growth BlackRock Scientific International Equity Capital International Global Equities (Hedged) Colonial First State Diversified Colonial First State Imputation Investors Mutual Australian Shares Legg Mason Australian Core Equity Legg Mason Balanced Legg Mason Global Equity Legg Mason Growth Maple-Brown Abbott Diversified MFS Global Equity MLC Platinum Global (Closed) OnePath Alternatives Growth

13 Corporate Super OnePath Blue Chip Imputation OnePath Capital Stable OnePath Diversified Fixed Interest OnePath Global Emerging Markets Shares OnePath Global Property Securities OnePath Global Shares OnePath High Growth OnePath Mortgages OnePath Property Securities OnePath Select Leaders OnePath Sustainable Investments - Australian Shares OptiMix Australian Shares OptiMix Geared Australian Shares OptiMix Global Emerging Markets Shares OptiMix Global Shares OptiMix Global Smaller Companies Shares Perennial Value Shares Perpetual Australian Shares Perpetual Balanced Growth Perpetual Conservative Growth Perpetual International Shares (Closed) Platinum International Russell Growth (Closed) SG Hiscock Property Schroder Australian Equity Schroder Balanced SSgA Passive Balanced UBS Balanced UBS Defensive Investment UBS Diversified Fixed Income (Closed) Vanguard Australian Shares Index Vanguard International Shares Index

14 Corporate Super Vanguard International Shares Index (Hedged) Vanguard Property Securities Index Zurich Investments Global Thematic Shares Zurich Investments Managed Growth Investment Savings Bond OnePath Capital Stable OnePath Diversified Fixed Interest OnePath International Shares OnePath Money Market OnePath Sustainable Investments - Australian Shares OnePath Tax Effective Income OptiMix Australian Shares Optimix Geared Australian Shares Optimix Global Emerging Market shares OptiMix Global Shares OnePath Retail trusts (if not listed below refer to OneAnswer Investment Portfolio listing) OnePath Heine Property Securities Trust (Closed) OnePath Monthly Income Trust OnePath Mortgage Trust (Closed) OnePath Wholesale trusts OnePath Sustainable Investments - Wholesale Australian Share Trust OnePath Tax Effective Income Trust - Wholesale OnePath Wholesale Australian Share Trust OnePath Wholesale Balanced Trust OnePath Wholesale Blue Chip Imputation Trust OnePath Wholesale Capital Stable Trust OnePath Wholesale Diversified High Yield Trust

15 OnePath Wholesale trusts OnePath Wholesale Diversified Fixed Interest Trust OnePath Wholesale Emerging Companies Trust OnePath Wholesale Global Emerging Markets Share Trust OnePath Wholesale High Growth Trust OnePath Wholesale Managed Growth Trust OnePath Wholesale Property Securities Trust OnePath Wholesale Protected AUS 50 Trust OnePath Wholesale Select Leaders Trust OnePath Wholesale life funds (including Wholesale Super and Wholesale Pension) OnePath Wholesale Australian Share Fund OnePath Wholesale Australian Fixed Interest OnePath Wholesale Balanced OnePath Wholesale Capital Stable OnePath Wholesale Emerging Wholesale Companies OnePath Wholesale International Shares OnePath Wholesale Managed Growth OnePath Wholesale Money Market OnePath Wholesale Property Securities Future Plans and Pooled Investment Plan (Closed) OnePath Capital Stable OnePath Money Market Allocated Annuity (Closed) OnePath Capital Stable/Stable OnePath Global Emerging Markets Shares OnePath High Growth OnePath International Shares OnePath Property Securities OnePath Stable OnePath Mortgage

16 Allocated Annuity (Closed) Zurich Investments Global Thematic Shares Deferred Annuity (Closed) OnePath Capital Stable OnePath Diversified Fixed Interest (Closed) OnePath Global Emerging Markets Shares OnePath High Growth OnePath International Shares OnePath Performance Guaranteed (Closed) OnePath Property Securities OnePath Mortgages Zurich Investments Global Thematic Shares DIY Super Investments (Closed) OnePath Capital Stable OnePath Diversified Fixed Interest OnePath Global Shares OnePath Property Securities OnePath Mortgages OptiMix Trusts (Closed) OptiMix Australian Share OptiMix Enhanced Cash OptiMix Geared Australian Share OptiMix Global Share OptiMix Global Smaller Companies Share

17 OptiMix Wholesale Trusts OptiMix Wholesale Australian Fixed Interest OptiMix Wholesale Australian Share OptiMix Wholesale Balanced OptiMix Wholesale Conservative OptiMix Wholesale Enhanced Cash OptiMix Wholesale Geared Australian Share OptiMix Wholesale Global Share OptiMix Wholesale Global Smaller Companies Share OptiMix Wholesale Growth OptiMix Wholesale High Growth OptiMix Wholesale Moderate OptiMix Wholesale Property Securities OptiMix Superannuation (Closed) OptiMix Australian Share OptiMix Enhanced Cash OptiMix Geared Australian Share OptiMix Global Share OptiMix Global Smaller Companies Share OptiMix Allocated Pension (Closed) OptiMix Australian Share OptiMix Enhanced Cash OptiMix Geared Australian Share OptiMix Global Share

18 OptiMix Global Smaller Companies Share OptiMix Term Allocated Pension (Closed) OptiMix Australian Share OptiMix Enhanced Cash OptiMix Geared Australian Share OptiMix Global Share OptiMix Global Smaller Companies Share OnePath Custodians Pty Limited, OnePath Life Limited and OnePath Funds Management Limited are issuers of this document. Each issuer is a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (ABN ) (ANZ). ANZ is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). Although the relevant issuer is owned by ANZ it is not a Bank. Except as described in any relevant Product Disclosure Statement (PDS), an investment with an issuer is not a deposit or other liability of ANZ or its related group companies and none of them stands behind or guarantees the issuer of the capital or performance of an investment. An investment is subject to investment risk, including possible repayment delays and loss of income and principal invested. The information is current as of September 2015 but may be subject to change. The information provided in this document is of a general nature and does not take into account your personal needs, financial circumstances or objectives. Before acting on this information, you should read the relevant PDS available at onepath.com.au and any relevant Product Updates for updated information about the relevant product before making a decision to acquire, withdraw or continue to hold that product. For more information, please contact your financial adviser or call Customer Services on OnePath Custodians Pty Limited ABN AFSL OnePath Life Limited ABN AFSL OnePath Funds Management Limited ABN AFSL Pitt Street Sydney NSW