MLC Wrap Super. (including super service and pension service) Investment Menu. MLC Wrap. Page A MLC Wrap Super Investment Menu

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "MLC Wrap Super. (including super service and pension service) Investment Menu. MLC Wrap. Page A MLC Wrap Super Investment Menu"

Transcription

1 MLC Wrap MLC Wrap Super (including super service and pension service) Investment Menu Preparation date: 11 December 2013 Issued by: NULIS Nominees (Australia) Limited (Trustee) ABN AFSL Page A MLC Wrap Super Investment Menu MLC Superannuation Fund ABN

2 Contents The purpose of this Her s Investment what you ll find within Menu is this document to give you information about the investments available through MLC Wrap Super. For more information please contact us, your financial adviser, or go to the online copy of this document on mlc.com.au/mlcwrap/super References to mlc.com.au in the online copy link directly to the additional information available. Page B MLC Wrap Super Investment Menu

3 Contents What this menu covers MLC Wrap Super 2 Your gateway to extensive investment choice, so you can create a portfolio to suit you. Things to consider before you invest 3 Before you do any investing, we want you to know about both the benefits and potential risks In addition to this Investment Menu you should also have the Product Guide and Application forms. Together these documents form the Product Disclosure Statement (PDS). The Investment Menu is updated regularly. You can view the most up-to-date version online at mlc.com.au/mlcwrap/super Cash and term deposits 8 Separately Managed Account (SMA) 9 Managed investments 10 Listed investments 20 Page 1 MLC Wrap Super Investment Menu

4 MLC Wrap Super Your gateway to extensive investment choice, so you can create a portfolio to suit you. MLC Wrap offers a suite of investment, super and pension products. These are only available to you through a licensed financial adviser, or their authorised representative. Your cash holding With all your investment transactions made through your MLC Wrap Super cash holding, you can manage your cash-flow efficiently and with ease. With a competitive interest rate you can be assured your money s always working hard for you. Term deposits MLC Wrap Super offers you a variety of term deposits giving you options for the cash component of your portfolio. Separately Managed Account (SMA) You have access to 11 professionally managed direct share portfolios. You can view your SMA investment in consolidated reports and statements, while retaining beneficial ownership of the underlying securities. Managed investments With access to over 300 managed investments, from 40 leading fund managers, we provide you with choice across the spectrum of asset classes and management styles. Listed investments Access the top 500 ASX listed securities, including: direct shares exchange traded funds, and listed investment companies. The MLC group of companies is the wealth management division of the National Australia Bank (NAB). Page 2 MLC Wrap Super Investment Menu

5 Things to consider before you invest Before you do any investing, we want you to know about both the benefits and potential risks involved. Even the simplest of investments come with a level of risk. While the idea of investment risk can be confronting, it s a normal part of investing. Without it you may not get the returns you need to reach your financial goals. This is known as the risk/return trade-off. The value of an investment with a higher level of risk will tend to rise and fall more often and by greater amounts. In other words it will be more volatile than those with less risk. Many factors influence an investment s value. These include, but aren t limited to: market sentiment growth and contraction in Australian and overseas economies legislative changes changes in interest rates defaults on loans company specific issues liquidity (the ability to buy or sell investments when you want to), and changes in the value of the Australian dollar. Page 3 MLC Wrap Super Investment Menu

6 Things to consider before you invest As demonstrated in the graphs below, investments can increase and decrease significantly in the short term. Investments that are volatile in the short term Returns above inflation over 1 year periods ( ) % pa % pa Year ended 31 December However -60% investments that are volatile in the short term may increase in value over the long term 20% in line with your financial goals. Australian Cash Australian Debt Securities 15% Year ended have produced higher returns Australian 31 December over most Shares long periods Returns above inflation over 20 year periods ( ) 10% 20% Australian Cash 5% Australian Debt Securities 15% Australian Shares 0% 10% % pa % pa 80% 60% 40% 20% 80% 60% -20% 40% -40% 20% -60% -20% -40% -5% 5% -10% 0% -5% Australian Cash Australian Debt Securities Australian Shares Australian Cash Australian Debt Securities Australian Shares Year ended 31 December % to achieve your long-term goals. 60% 0% software 80% program EnCorr. Based on Investments that are volatile in the short te -60% 20% ABN AMRO/London Business School Returns above inflation over 1 year periods ( % Source: Graphs have been calculated by MLC 20% using data presented in DMS Data Investments that are volatile in the short te Module offered through the MorningStar Returns above inflation over 1 year periods ( % 60% and Staunton, Triumph of the Optimists, Princeton -40% University Press, 2002, and 40% 0% Used with permission. -20% -40% -60% Australian shares Australian shares Period ended 31 December Australian debt securities Period ended 31 December Australian debt securities -10% By understanding volatility will occur, you ll be able to manage your expectations and resist reacting to these short-term movements. This will help you stay true to your investment strategy, and keep on track copyrighted books by Dimson, Marsh, Global Investment Returns Yearbook 2003, All rights reserved. Year ended 31 December Page 4 MLC Wrap Super Investment Menu

7 Things to consider before you invest Diversify to reduce volatility and other risks Diversification is a sound way to reduce short-term volatility. It also helps you manage the risk of not being able to buy or sell assets when you want to. The more you diversify the less impact any one investment can have on your portfolio. One of the most effective ways of reducing volatility is to diversify across a range of asset classes. Asset classes are groups of similar types of investments. Each class has its risks and benefits, and goes through its own market cycle. A market cycle can take a couple of years or many years; it s different each time. So you need to be prepared for all sorts of return outcomes when investing. A financial adviser can create a financial plan to help you manage risk and consider issues such as: your investment goals the savings you ll need to reach your goals how many years you have to invest the return you may expect from your investments, and how comfortable you are with volatility. The main asset class risks and benefits are: Debt securities (including cash) When investing in debt securities, you are effectively lending money to businesses or governments. Returns typically comprise interest and changes in the market value of the security. Things to consider: There are different types of debt securities and these will have different returns and volatility. Cash is usually the least volatile type of debt. Debt securities denominated in foreign currencies will be exposed to exchange rate variances. The market value of a debt security may fall due to factors such as an increase to interest rates or concern about defaults on loans. This may result in a loss on your investment. Debt securities are usually included in a portfolio for their defensive characteristics. Property Investing in property will give your portfolio exposure to listed property securities and/or direct property in Australia and around the world. Direct property investments include commercial, retail or industrial buildings. Things to consider: Returns are driven by many factors including the economic environment in various countries. Australian property securities are dominated by only a few Real Estate Investment Trusts and provide limited diversification. Investing outside Australia means you are exposed to exchange rate variances. Property securities may be volatile and are usually included in a portfolio for their income and growth characteristics. Direct property can be illiquid. Page 5 MLC Wrap Super Investment Menu

8 Things to consider before you invest Australian shares This asset class consists of investments in companies listed on the Australian Securities Exchange. Things to consider: The Australian share market has historically been dominated by a few industries such as Materials, Financials and Real Estate Investment Trusts. Australian shares can be volatile and are usually included in a portfolio for their growth characteristics. Australian shares may provide tax advantages through dividend imputation (franking) credits. Global shares Global shares consist of investments in companies listed on securities exchanges around the world. Things to consider: The number of potential investments is far greater than in Australian shares. Returns are driven by many factors including the economic environment in various countries. When you invest globally, you are less exposed to the risks associated with investing in just one economy. Investing outside Australia means you are exposed to exchange rate variances. Global shares can be volatile and are usually included in a portfolio for their growth characteristics. Alternative investments Alternative investments provide access to investments such as Hedge Funds, Private Equity or Infrastructure. When investing in alternatives you are investing in assets that typically do not behave like traditional investments. Things to consider: You could be investing in Australian and/or global assets. Returns may not be the same as traditional investments. Assets may be illiquid, which makes them difficult to buy or sell. Diversification limits To help you diversify your investments we ve placed limits on how much you can have in some investments. Term deposits You can invest up to 70% of your pension account balance in term deposits. Managed investments You can invest up to: 85% of your account balance in Fixed Interest Annuities 25% of your account balance in Hedge Funds. Listed investments (excluding any investments you hold in an SMA) You can invest up to: 20% of your account balance in any top ASX 300 investment 10% of your account balance in any investments outside the top ASX 300, and 40% of your account balance in total listed investments outside the top ASX % of your account balance in a single instalment warrant, and 20% of your account balance in total instalment warrants. These limits are actively managed, so any purchases that breach these limits won t be allowed. Page 6 MLC Wrap Super Investment Menu

9 Things to consider before you invest Investment techniques Investment managers use different investment techniques which can change the value of an investment. These include: Buying long Buying long, or taking a long position, is when an investment manager invests in assets that it expects will grow in value. Sometimes the value decreases and/or does not increase for a long time. Derivatives Derivatives are a common tool used to enhance returns or manage risk. They are contracts that have a value derived from an external reference (eg the level of a share price index). There are many types of derivatives and they can be an invaluable tool for an investment manager. However, they can incur significant losses. How investment managers invest in derivatives is included in their PDS on mlc.com.au Currency management If an investment manager invests in assets in other countries, the value will be affected by the exchange rate. Returns from global investments reflect movements in currency exchange rates (gains and losses), as well as movements in the value of the underlying securities. Where desired, this can largely be managed through hedging the currency exposure back to Australian dollars. Gearing Gearing an investment through borrowing, leverage or by using derivatives, can magnify returns. However it can also magnify losses. In extreme market conditions, asset values can fall dramatically in a short period of time and the value of a geared investment may even fall to zero. Short selling Short selling is used by an investment manager when it has a view that an asset s price will fall. The manager borrows the asset and sells it with the intention of buying it back at a lower price. If all goes to plan, a profit is made. However, if the price of the asset increases, then the loss could be significant. Ethical investing Investment managers may take into account labour standards, environmental, social or ethical considerations when making decisions to buy or sell investments. How much consideration investment managers give to these factors is in their PDS on mlc.com.au Want to know more? We ve developed a lot of information on how we can help you grow and protect your wealth. You can also get copies of the disclosure documents for managed investments and the SMA provided on the Investment Menu. These are free of charge. Just talk to your financial adviser or visit mlc.com.au Page 7 MLC Wrap Super Investment Menu

10 Cash and term deposits Your cash holding Your money in the cash holding is currently allocated across three investments, in the following approximate proportions (as at December 2011): NAB Professional Funds Account (NPFA) 80% Cash Account Income Fund (CAIF) 10%, and a bank account with the NAB 10%. The CAIF invests in some corporate securities which usually provide a higher return for the extra risk in investing in them. It s proposed that over time the cash holding will be invested wholly in the accounts with the NAB. NAB retain a margin on the NPFA, which is deducted before interest is credited to your cash holding. This margin has been taken into account when setting the Administration fees for MLC Wrap Super. The interest rate on the NPFA is regularly reviewed and is currently the RBA cash rate less 0.50% pa. Please refer to mlc.com.au for more information on the cash holding, including: The Product Disclosure Statement for the CAIF The Terms and conditions for the NPFA, and Performance information. This information is also available from your financial adviser or by contacting Client Services. Term deposits NAB 1 Month NAB 2 Month NAB 3 Month NAB 6 Month NAB 1 Year NAB 2 Year St George Bank 1 Month St George Bank 2 Month St George Bank 3 Month St George Bank 6 Month St George Bank 1 Year St George Bank 2 Year Approved Deposit-taking Institution ( ADI ) NAB NAB NAB NAB NAB NAB St George St George St George St George St George St George Page 8 MLC Wrap Super Investment Menu

11 Separately Managed Account (SMA) Investment option Management fee (% pa) Investment code Index Blue Chip Top NUN0051AU Value/Income Antares Dividend Builder 0.46 NUN0052AU JBWere Income 0.55 JPL0001AU Perennial Value Shares for Income 0.77 NUN0053AU ThreeSixty Imputation 0.40 GAS0001AU Core/Growth Antares Core Opportunities 0.62 NUN0054AU Ausbil Australian Concentrated Equity 0.92 NUN0055AU Goldman Sachs Core Australian Equities 0.67 NUN0056AU JBWere Growth 0.55 JPL0002AU Perennial Growth Shares 0.67 NUN0057AU ThreeSixty Blue-chip Income Generating 0.40 GAS0002AU ThreeSixty Small Companies 0.45 GAS0003AU UBS High Alpha Long Term Opportunity ( HALO ) 0.57 NUN0058AU Page 9 MLC Wrap Super Investment Menu

12 Managed investments Managed Investment Name Investment Fees APIR Code Latest available ICR (%pa) Investment manager fee rebate (%pa) Indicative investment fee (%pa) Cash Cash: Cash Macquarie (Wholesale) Master Cash Fund MAQ0187AU UBS Cash Fund SBC0811AU Cash: Cash Enhanced UBS Cash Plus Fund SBC0812AU Vanguard Cash Plus Fund VAN0102AU Fixed Interest Fixed Interest: Annuities Challenger Guaranteed Income Fund cents p.a. 30 June 2014 (MV$1) HOW0091AU Challenger Guaranteed Income Fund cents p.a. 30 June 2015 (MV$1) HOW0092AU Challenger Guaranteed Income Fund 4.50 cents p.a. 30 June 2016 (MV$1) MLT0002AU Fixed Interest: Australian Aberdeen Australian Fixed Income Fund CRS0004AU BlackRock Indexed Australian Bond Fund BGL0105AU BT Wholesale Fixed Interest Fund RFA0813AU Goldman Sachs Core Plus Australian Fixed Income Fund JBW0038AU Macquarie (Wholesale) Australian Fixed Interest Fund MAQ0061AU PIMCO EQT Wholesale Australian Bond Fund ETL0015AU UBS Australian Bond Fund SBC0813AU Vanguard (Wholesale) Australian Fixed Interest Index Fund VAN0001AU Vanguard Australian Government Bond Index Fund VAN0025AU Fixed Interest: Diversified Aberdeen Diversified Fixed Income Fund CSA0062AU AMP Capital Corporate Bond Fund AMP0557AU Antares Premier Fixed Income Fund PPL0114AU Dimensional Five Year Diversified Fixed Interest (restricted use)" DFA0108AU Dimensional Short Term Fixed Interest Trust (restricted use)" DFA0100AU Dimensional Two Year Diversified Fixed Interest (restricted use)" DFA0002AU Macquarie Diversified Fixed Interest Fund MAQ0274AU MLC Wholesale Diversified Debt Fund MLC0839AU MLC Wholesale Horizon 1 Bond Portfolio MLC0669AU OnePath Wholesale Diversified Fixed Interest Trust ANZ0212AU PIMCO EQT Wholesale Diversified Fixed Interest Fund ETL0016AU PM CAPITAL Enhanced Yield Fund PMC0103AU Schroder (Wholesale) Fixed Income Fund SCH0028AU UBS Diversified Fixed Income Fund SBC0007AU Vanguard International Credit Securities Index Fund (Hedged) VAN0106AU Fixed Interest: International Aberdeen Global Government Bond Fund CRS0006AU BlackRock Global Bond Index Fund BGL0008AU BlackRock Wholesale International Bond Fund PWA0825AU Colonial First State Wholesale Global Credit Income Fund FSF0084AU Dimensional Global Bond Trust (restricted use)" DFA0028AU PIMCO EQT Wholesale Global Bond Fund ETL0018AU Vanguard (Wholesale) Inter'l Fixed Interest Index Fund (Hedged) VAN0103AU Fixed Interest: Multi-strategy Income Antares Income Fund PPL0028AU Bentham Wholesale Global Income Fund CSA0038AU Goldman Sachs Income Plus Wholesale Fund JBW0016AU Page 10 MLC Wrap Super Investment Menu Page 10 MLC Wrap Super Investment Menu

13 Managed investments investments Managed Investment Name Investment Fees APIR Code Latest available ICR (%pa) Investment manager fee rebate (%pa) Indicative investment fee (%pa) Kapstream Wholesale Absolute Return Income Fund HOW0052AU Macquarie Income Opportunities Fund MAQ0277AU Perennial Tactical Income Trust IOF0145AU Perpetual's Wholesale Diversified Income Fund PER0260AU Schroder Credit Securities Fund SCH0103AU UBS Diversified Credit Fund UBS0003AU Conservative Conservative: Diversified Aberdeen Multi-Asset Income Fund CRS0001AU Colonial First State Wholesale Conservative Fund FSF0033AU MLC Wholesale Horizon 2 Income Portfolio MLC0670AU Pre Select Conservative Fund NUN0001AU Vanguard Conservative Index Fund VAN0109AU Conservative: Real Return MLC Wholesale Inflation Plus Conservative MLC0921AU Balanced Balanced: Diversified Colonial First State Wholesale Balanced Fund FSF0040AU MLC Wholesale Horizon 3 Conservative Growth Portfolio MLC0398AU Perpetual's Wholesale Diversified Growth Fund PER0114AU Pre Select Balanced Fund NUN0002AU Schroder Real Return Fund SCH0047AU Vanguard Balanced Index Fund VAN0108AU Growth Growth: Diversified Aberdeen Multi-Asset Real Return Fund CRS0002AU BlackRock Global Allocation Fund (Aust) - Class D MAL0018AU BlackRock Wholesale Balanced Fund PWA0822AU BT Wholesale Active Balanced Fund RFA0815AU BT Wholesale Balanced Returns Fund BTA0806AU Colonial First State Wholesale Diversified Fund FSF0008AU Dimensional Multi-Factor Growth Trust (restricted use)" DFA0029AU Legg Mason Diversified Trust - Class A JPM0008AU MLC Wholesale Horizon 4 Balanced Portfolio MLC0260AU OnePath Tax Effective Income Fund AJF0003AU OnePath Wholesale Balanced Trust AJF0802AU OnePath Wholesale Managed Growth Trust MMF0115AU Perennial Balanced Wholesale Trust IOF0104AU Perpetual Wholesale Balanced Growth Fund PER0063AU Pre Select Growth Fund NUN0003AU UBS Balanced Investment Fund SBC0815AU Vanguard Growth Index Fund VAN0110AU Vanguard High Growth Index Fund VAN0111AU Zurich Investments Managed Growth Fund ZUR0059AU Growth: Real Return MLC Wholesale Inflation Plus Moderate MLC0920AU Aggressive Aggressive: Diversified Colonial First State Wholesale High Growth Fund FSF0498AU MLC Wholesale Horizon 5 Growth Portfolio MLC0265AU MLC Wholesale Horizon 6 Share Portfolio MLC0397AU Page 11 MLC Wrap Super Investment Menu Page 11 MLC Wrap Super Investment Menu

14 Managed investments investments Managed Investment Name Investment Fees APIR Code Latest available ICR (%pa) Investment manager fee rebate (%pa) Indicative investment fee (%pa) OnePath Wholesale High Growth Trust MMF0342AU Perpetual's Wholesale Split Growth Fund PER0066AU Pre Select High Growth Fund NUN0004AU Aggressive: Geared MLC Wholesale Horizon 7 Accelerated Growth Portfolio MLC0449AU High Growth: Real Return (Geared) MLC Wholesale Inflation Plus Assertive >> MLC0667AU Property Property: Australian Listed AMP Capital Listed Property Trusts Fund (Class A) AMP0255AU Antares Listed Property Fund (PA) NFS0209AU APN AREIT Fund APN0008AU BlackRock Indexed Australian Listed Property Fund BGL0108AU BT Wholesale Property Investment Fund RFA0817AU Challenger Wholesale Property Securities Fund HBC0008AU Colonial First State Wholesale Property Securities Fund FSF0004AU Ironbark RREEF Paladin Property Securities Fund PAL0002AU Legg Mason Australian Real Income Fund SSB0026AU Legg Mason Property Securities Trust - Class A Units SSB0128AU MLC Wholesale Property Securities Fund MLC0263AU UBS Property Securities Fund SBC0816AU Vanguard Australian Property Securities Index VAN0004AU Property: Diversified AMP Capital Core Property Fund AMP1015AU Property: Internationally Listed AMP Capital Global Property Securities Fund (Class A) AMP0974AU CFS Wholesale Global Property Securites Fund FSF0454AU Dimensional Global Real Estate Trust (restricted use)" DFA0005AU EQT SGH LaSalle Global Listed Property Securities Trust ETL0005AU Invesco Global Listed Property Fund Hedged GTU0041AU Ironbark RREEF Global (ex-australia) Property Securities Fund MGL0010AU MLC Wholesale Global Property Fund MLC0786AU Presima Global Property Securities Concentrated Fund PGI0001AU UBS Clarion Global Property Securities Fund HML0016AU Vanguard International Property Securities Index Fund VAN0018AU Vanguard International Property Securities Index Fund (Hedged) VAN0019AU Australian Equity Australian Equity: Diversified Aberdeen Financials Fund EQI0027AU Alphinity Wholesale Australian Share Fund PAM0001AU Alphinity Wholesale Concentrated Australian Share Fund HOW0026AU Antares Dividend Builder PPL0002AU Antares Elite Opportunities Fund PPL0115AU Arnhem Australian Equity Fund ARO0011AU Ausbil Australian Active Equity Fund AAP0103AU Bennelong ex-20 Australian Equities Fund BFL0004AU BlackRock Indexed Australian Equity Fund BGL0034AU BlackRock Scientific Australian Equity Fund BAR0814AU BT Wholesale Australian Share Fund BTA0055AU BT Wholesale Focus Australian Share Fund RFA0059AU BT Wholesale Imputation Fund RFA0103AU Page 12 MLC Wrap Super Investment Menu Page 12 MLC Wrap Super Investment Menu

15 Managed investments investments Managed Investment Name Investment Fees APIR Code Latest available ICR (%pa) Investment manager fee rebate (%pa) Indicative investment fee (%pa) Colonial First State Wholesale Australian Share Fund FSF0002AU Colonial First State Wholesale Equity Income Fund FSF0961AU Colonial First State Wholesale Imputation Fund FSF0003AU Dimensional Australian Core Equity Trust (restricted use)" DFA0003AU Dimensional Australian Large Company Trust (restricted use)" DFA0103AU Dimensional Australian Value Trust (restricted use)" DFA0101AU Fidelity Australian Equities Fund FID0008AU Goldman Sachs Australian Equities Wholesale Fund JBW0009AU Greencape Wholesale Broadcap Fund HOW0034AU Greencape Wholesale High Conviction Fund HOW0035AU Integrity Australian Share Fund ITG0001AU Investors Mutual Australian Share Fund IML0002AU Maple-Brown Abbott Imputation Fund ADV0046AU Merlon Wholesale Australian Share Income Fund HBC0011AU MLC Wholesale Australian Share Fund MLC0262AU MLC Wholesale Australian Share Growth Style Fund MLC0623AU MLC Wholesale Australian Share Value Style Fund MLC0624AU MLC Wholesale IncomeBuilder MLC0264AU Northward Equity Income Fund ANT0006AU OnePath Wholesale Australian Share Trust AJF0804AU OnePath Wholesale Blue Chip Imputation Trust MMF0340AU Pengana Australian Equities Fund PCL0005AU Perennial Value Shares Wholesale Trust IOF0206AU Perpetual's Wholesale Australian Fund PER0049AU Perpetual's Wholesale Concentrated Equity Fund PER0102AU Perpetual's Wholesale Industrial Fund PER0046AU Pre Select Australian Equity Fund NUN0005AU Schroder (Wholesale) Australian Equity Fund SCH0101AU SGH ETL0042AU Tyndall (Wholesale) Australian Share Portfolio TYN0028AU Tyndall Australian Share Income Fund TYN0038AU UBS Australian Share Fund SBC0817AU Vanguard (Wholesale) Australian Shares Index Fund VAN0002AU Vanguard Australian Shares High Yield Fund VAN0104AU Zurich Investments Equity Income Fund ZUR0538AU Australian Equity: Geared Ausbil Australian Geared Equity Fund AAP0002AU Colonial First State Wholesale Geared Share Fund FSF0043AU Perpetual's Wholesale Geared Australian Fund PER0071AU Australian Equity: Infrastructure Goldman Sachs Australian Infrastructure Wholesale Fund JBW0030AU Australian Equity: Larger Companies Antares Australian Equities Fund PPL0110AU Australian Equity: Long/Short Antares High Growth Shares Fund (PA) PPL0106AU BlackRock Australian Equity Opportunities Fund MAL0072AU Colonial First State Antares Wholesale Elite Opportunities Fund FSF0455AU K2 Australian Absolute Return Fund KAM0101AU Perpetual Wholesale SHARE-PLUS Long-Short Fund PER0072AU PM CAPITAL Australian Opportunities Fund PMC0101AU Regal Long Short Australian Equity Fund AMR0006AU Page 13 MLC Wrap Super Investment Menu Page 13 MLC Wrap Super Investment Menu

16 Managed investments investments Managed Investment Name Investment Fees APIR Code Latest available ICR (%pa) Investment manager fee rebate (%pa) Indicative investment fee (%pa) Wavestone Wholesale Australian Equity Long/Short Fund HOW0053AU Australian Equity: Responsible Investment Alphinity Wholesale Socially Responsible Share Fund HOW0121AU Australian Ethical Smaller Companies Trust Class B AUG0018AU BT Wholesale Ethical Share Fund RFA0025AU Perpetual Wholesale Ethical SRI Fund PER0116AU Australian Equity: Smaller Companies Aberdeen Australian Small Companies Fund CSA0131AU Antares Small Companies Fund (PA) PPL0107AU Ausbil Australian Emerging Leaders Fund AAP0104AU Ausbil MicroCap Fund AAP0007AU Celeste Australian Small Companies Fund FAM0101AU Concise Mid Cap Fund CAM0001AU Dimensional Australian Small Company Trust (restricted use)" DFA0104AU Eley Griffiths Group Small Companies Fund EGG0001AU Fairview Equity Partners Emerging Companies Fund ANT0002AU Goldman Sachs Emerging Leaders Wholesale Fund JBW0010AU Grant Samuel Tribeca Smaller Companies Fund Class A units ETL0052AU Invesco Wholesale Australian Smaller Companies Fund - Class A units CNA0812AU Investors Mutual Future Leaders Fund IML0003AU Kinetic Wholesale Emerging Companies Fund HOW0036AU NovaPort Wholesale Microcap Fund HOW0027AU NovaPort Wholesale Smaller Companies Fund HOW0016AU Pengana Emerging Companies Fund PER0270AU Perennial Value Smaller Companies Trust IOF0214AU Perpetual's Wholesale Smaller Companies Fund No PER0259AU Perpetual's Wholesale Smaller Companies Fund PER0048AU Pre Select Australian Small Companies Fund NUN0038AU International Equity International Equity: Asia Aberdeen Asian Opportunities Fund EQI0028AU BT Wholesale Asian Share Fund BTA0054AU Fidelity China Fund FID0011AU K2 Asian Absolute Return Fund KAM0100AU Platinum (Wholesale) Japan Fund PLA0003AU Platinum Asia Fund PLA0004AU Premium China Fund MAQ0441AU International Equity: Diversified Aberdeen Actively Hedged International Equities Fund CRS0005AU Aberdeen International Equity Fund EQI0015AU Altrinsic Global Equities Trust ANT0005AU Arrowstreet Global Equity Fund (unhedged) MAQ0464AU BlackRock Indexed International Equity Fund BGL0106AU BlackRock Scientific International Equity Fund BAR0817AU BT Wholesale Core Global Share Fund RFA0821AU BT Wholesale International Share Fund BTA0056AU Dimensional Global Core Equity Trust (restricted use)" DFA0004AU Dimensional Global Large Company Trust (restricted use)" DFA0105AU Dimensional Global Value Trust (restricted use)" DFA0102AU Fidelity Global Equities Fund FID0007AU Generation Global Share Fund FSF0908AU Page 14 MLC Wrap Super Investment Menu Page 14 MLC Wrap Super Investment Menu

17 Managed investments investments Managed Investment Name Investment Fees APIR Code Latest available ICR (%pa) Investment manager fee rebate (%pa) Indicative investment fee (%pa) Goldman Sachs International Wholesale Fund JBW0014AU Grant Samuel Epoch Global Equity Shareholder Yield Fund GSF0002AU GVI Global Industrial Share Fund - Unhedged TGP0017AU IFP Global Franchise Fund MAQ0404AU INVESCO Wholesale Global Matrix Fund - Unhedged GTU0102AU Ironbark GTP Global Equity Thematic Fund MGL0004AU Magellan Global Fund MGE0001AU Magellan Global Hedged Fund MGE0007AU MFS Global Equity Trust MIA0001AU MLC Wholesale Capital International Global Share Fund MLC0316AU MLC Wholesale Global Share Fund MLC0261AU MLC Wholesale Global Share Growth Style Fund MLC0625AU MLC Wholesale Global Share Value Style Fund MLC0626AU Perpetual's Wholesale International Share Fund PER0050AU Pre Select International Equity Fund NUN0006AU Schroder Global Active Value Fund SCH0030AU T.Rowe Price Global Equity Fund ETL0071AU Templeton Global Equity Fund FRT0004AU UBS International Share Fund SBC0822AU Vanguard (Wholesale) International Shares Index Fund VAN0003AU Walter Scott Global Equity Fund MAQ0410AU Zurich American Century Global Growth Fund ZUR0580AU Zurich Investments Global Thematic Share Fund ZUR0061AU Zurich Investments Unhedged Global Thematic Share Fund ZUR0518AU International Equity: Emerging Markets Aberdeen Emerging Opportunities Fund ETL0032AU Dimensional Emerging Markets Trust (restricted use)" DFA0107AU Schroder Global Emerging Market Fund SCH0034AU Templeton Emerging Markets Fund FRT0006AU Vanguard Emerging Markets Shares Index Fund VAN0005AU International Equity: Europe Platinum (Wholesale) European Fund PLA0001AU International Equity: Hedged Aberdeen Fully Hedged International Equities Fund CSA0135AU Arrowstreet Global Equity Fund (Hedged) MAQ0079AU BlackRock Indexed Hedged International Equity Fund BGL0044AU BlackRock Scientific Hedged International Equity Fund BGL0109AU Dimensional Global Core Equity Trust AUD Hedged (restricted use)" DFA0009AU Fidelity Hedged Global Equities Fund FID0014AU Grant Samuel Epoch Gl Eq Shareholder Yield (Hedged) Fund GSF0001AU GVI Aubrey Global Growth & Income Fund - Hedged TGP0004AU IFP Global Franchise Fund Hedged MAQ0631AU Invesco Wholesale Global Matrix Fund hedged - Class A units GTU0008AU MFS Fully Hedged Global Equity Trust ETL0041AU MLC Wholesale Hedged Global Share Fund MLC0787AU Schroder Global Active Value Fund (Hedged) SCH0032AU Vanguard International Shares Index Fund (Hedged) VAN0105AU Walter Scott Global Equity Fund (Hedged) MAQ0557AU Zurich Investments Hedged Global Thematic Share ZUR0517AU International Equity: Infrastructure AMP Capital Core Infrastructure Fund (Class A) AMP1179AU Page 15 MLC Wrap Super Investment Menu Page 15 MLC Wrap Super Investment Menu

18 Managed investments investments Managed Investment Name Investment Fees APIR Code Latest available ICR (%pa) Investment manager fee rebate (%pa) Indicative investment fee (%pa) Macquarie International Infrastructure Securities Fund MAQ0432AU Magellan Infrastructure Fund MGE0002AU Magellan Infrastructure Fund (Unhedged) MGE0006AU RARE Infrastructure Value Fund - Hedged TGP0008AU RARE Infrastructure Value Fund - Unhedged 0.98^ TGP0034AU International Equity: Long/Short Five Oceans Wholesale World Fund HOW0032AU K2 Select International Absolute Return Fund ETL0046AU LHP Global Long/Short Fund ^ HFL0108AU Pengana Global Resources Fund PCL0003AU Platinum (Wholesale) International Fund PLA0002AU Platinum International Brands Fund PLA0100AU PM CAPITAL Absolute Performance Fund PMC0100AU International Equity: Resources Colonial First State Wholesale Global Resources Fund FSF0038AU International Equity: Responsible Investment AMP Capital Responsible Investment Leaders Int Share - Class A AMP0455AU International Equity: Smaller Companies BlackRock Hedged Global Small Cap Fund - Class D MAL0135AU BlackRock Wholesale Global Small Cap Fund - Class D MAL0133AU Dimensional Global Small Company Trust (restricted use)" DFA0106AU Goldman Sachs Global Small Companies Wholesale Fund JBW0103AU International Equity: Technology Platinum International Technology Fund PLA0101AU International Equity: Concentrated Magellan High Conviction Fund MGE0005AU Alternatives Alternatives: Hedge Funds Aspect Diversified Futures Fund ^ FSF1086AU BlackRock Scientific Global Markets Fund ^ BGL0045AU JANA Triplepoint Fund ^ MLC0862AU Man Alpha AHL ^ MAN0002AU Man GLG Global Macro (AUD) Fund ^ MAN0008AU Winton Global Alpha Fund ^ MAQ0482AU + Investment Manager may also charge a performance fee. Please refer to the underlying investment fund's product disclosure statement. Fee rebate paid by the Investment Manager to the Administrator and passed on to the investor. " Dimensional trusts are restricted to use by Participating Advisers only. Participating Adviser means (i) a representative of a licensed financial advisory firm who has participated in educational programs conducted by Dimensional about Dimensional's philosophy and approach, or (ii) a representative of a licensed financial advisory firm where the firm has, as at a group level, participate ^ This investment fund is classified as a Hedge Fund for the purpose of Trustee Investment Limits, Fast Track Transactions and Auto Re-weighting. Please refer to the How to Guide for the The investment manager has advised this fund complies with the Significant Investor Visa requirements. >>A maximum of 50% of your pension account balance can be invested in the option Page 16 MLC Wrap Super Investment Menu Page 16 MLC Wrap Super Investment Menu

19 Listed investments (ASX Listed investments 500) Investment Option ASX code Investment Option ASX code Automobile & Components Hills Industries Limited HIL S&P ASX Maca Limited MLD Mystate Limited MYS Maxitrans Industries Limited MXI S&P ASX Monadelphous Group Limited MND Fleetwood Corporation Limited FWD NRW Holdings Limited NWH RCR Tomlinson Limited RCR Banks Reece Australia Ltd REH S&P ASX 50 Royal Wolf Holdings Limited RWH Australia And New Zealand Banking Group Limited ANZ Seven Group Holdings Limited SVW Commonwealth Bank Of Australia CBA Silver Chef Limited SIV National Australia Bank Limited NAB Steamships Trading Co Ltd SST Westpac Banking Corporation WBC United Group Limited UGL S&P ASX S&P ASX Bank Of Queensland Limited BOQ Ausenco Limited AAX Bendigo and Adelaide Bank BEN Boom Logistics Limited BOL S&P ASX Boart Longyear Limited BLY Mortgage Choice Ltd MOC Calibre Group Limited CGH RHG Limited RHG Ceramic Fuel Cells Limited CFU Wide Bay Australia Ltd WBB Coventry Group Limited CYG Emeco Holdings Ltd EHL Capital Goods Global Construction Services Limited GCS S&P ASX 50 GR Engineering Services GNG Leighton Holdings Limited LEI Lycopodium Limited LYL S&P ASX Macmahon Holdings Limited MAH AJ Lucas Group Limited AJL Mastermyne Group Limited MYE Ausdrill Limited ASL Sedgman Ltd SDM Austal Limited ASB Service Stream Limited SSM Austin Engineering Limited ANG Southern Cross Electrical Engineering Ltd SXE Bradken Limited BKN Watpac Limited WTP Cardno Limited CDD Clough Ltd CLO Commercial & Professional Services CSR Limited CSR S&P ASX 50 Decmil Group Limited DCG Brambles Limited BXB Forge Group Limited FGE S&P ASX GWA Group Limited GWA ALS Limited ALQ Page 17 MLC Wrap Super Investment Menu

20 Listed investments Listed investments Investment Option ASX code Investment Option ASX code Cabcharge Australia Limited CAB S&P ASX Credit Corp Group Limited CCP Ardent Lesidure Group AAD Downer Edi Limited DOW Ainsworth Game Technology Limited AGI McMillan Shakespeare Limited MMS Aristocrat Leisure Limited ALL Mineral Resources Limited MIN Corporate Travel Management Limited CTD Programmed Maintenance Services Limited PRG Domino s Pizza Enterprises Ltd DMP SAI Global Limited SAI Echo Entertainment Group EGP Salmat Limited SLM Flight Centre Limited FLT Seek Limited SEK G8 Education Limited GEM Skilled Group Limited SKE Invocare Limited IVC Tox Free Solutions Limited TOX Navitas Limited NVT Transfield Services Limited TSE Retail Food Group Limited RFG Transpacific Industries TPI Sky City Entertainment Group SKC S&P ASX Slater & Gordon Limited SGH Chandler Macleod Group Limited CMG Tabcorp Holdings Limited TAH Coffey International Limited COF Tattersalls Group TTS Collection House Limited CLH S&P ASX Crowe Horwath Aus CRH Collins Foods Limited CKF Wellcom Group Limited WLL Jetset Travelworld Ltd JET Reef Casino Trust RCT Consumer Durables & Apparel S&P ASX Diversified Financials G.U.D. Holdings Limited GUD S&P ASX 50 S&P ASX Australian Stock Exchange Limited ASX Billabong International Limited BBG Macquarie Group Limited MQG Audio Pixels Holdings Limited AKP S&P ASX Gale Pacific Limited GAP BT Investment Management Limited BTT Gazal Corporation Limited GZL Challenger Financial Services Group Limited CGF Guinness Peat Group PLC. GPG FlexiGroup Limited FXL McPhersons Ltd MCP Fonterra Shareholders Fund FSF Henderson Group PLC HFA Holdings Limited HGG HFA Consumer Services IOOF Holdings Limited IFL S&P ASX 50 Magellan Financial Group Limited MFG Crown Ltd CWN Perpetual Limited PPT Page 18 MLC Wrap Super Investment Menu

21 Listed investments Listed investments Investment Option ASX code Investment Option ASX code Platinum Asset Management Limited PTM Linc Energy Ltd LNC SFG Australia Limited SFW Miclyn Express Offshore Limited MIO Trust Company Ltd TRU New Hope Corp NHC Washington H Soul Pattinson & Company Limited SOL Paladin Energy Limited PDN S&P ASX Roc Oil Company Limited ROC 360 Cap Industial Fund TIX Senex Energy Limited SXY Arena REIT ARF Sundance Energy Australia Limited SEA Bell Financial Group Limited BFG Whitehaven Coal Ltd WHC Countplus Limited CUP S&P ASX CVC Limited CVC Antares Energy Limited AZZ Equity Trustees Ltd EQT Bandanna Energy Limited BND Euroz Limited EZL Blackgold International Holdings Limited BGG Gowing Bros Limited GOW Central Petroleum Limited CTP IMF (Australia) Ltd IMF Coalspur Mines Limited CPL K2 Asset Management Holdings Ltd KAM Cockatoo Coal Limited COK Treasury Group Limited TRG Cooper Energy NL COE Cue Energy Resources Limited CUE Energy Dart Energy Limited DTE S&P ASX 50 Deep Yellow Limited DYL Caltex Australia Limited CTX FAR Limited FAR Oil Search Limited OSH Guildford Coal Limited GUF Origin Energy Limited ORG Icon Energy Limited ICN Santos Limited STO Jupiter Energy Limited JPR Woodside Petroleum Limited WPL Liquefied Natural Gas Limited LNG Worleyparsons Limited WOR Lonestar Resources Limited LNR S&P ASX Matrix Composites & Engineering Limited MCE Aquila Resources Limited AQA Maverick Drilling & Exploration Limited MAD Aurora Oil & Gas Limited AUT Meo Australia Limited MEO Australian Worldwide Exploration Limited AWE Molopo Australia Limited MPO Beach Petroleum Limited BPT Neon Energy Limited NEN Buru Energy Limited BRU New Standard Energy Limited NSE Drillsearch Energy Limited DLS Nexus Energy Limited NXS Energy Resources Of Australia Limited ERA Otto Energy Limited OEL Horizon Oil Ltd HZN Pancontinental Oil & Gas NL PCL Karoon Gas Australia Limited KAR Range Resources Limited RRS Page 19 MLC Wrap Super Investment Menu

22 Listed investments Listed investments Investment Option ASX code Investment Option ASX code Red Fork Energy Limited RFE Health Care Equipment & Services Resource Generation Limited RES S&P ASX 50 Sino Gas and Energy Holdings Limited SEH Ramsay Health Care Limited RHC Strike Energy Limited STX ResMed Inc. RMD SUN Resources NL SUR Sonic Healthcare Limited SHL TAP OIL Limited TAP S&P ASX Westside Corporation Limited WCL Ansell Limited ANN White Energy Co. Ltd WEC Cochlear Limited COH Fisher & Paykel Healthcare Corp FPH Food & Staples Retailing Primary Health Care Limited PRY S&P ASX 50 Sigma Pharmaceuticals Ltd SIP Wesfarmers Limited WES Virtus Health Ltd VRT Woolworths Limited WOW S&P ASX S&P ASX Smiles Liited ONT Metcash Limited MTS Australian Pharmaceutical Industries Limited API Wesfarmers Limited (Partly Protected Ordinary Shares) WESN Greeencross Limited GXL Nanosonics Limited NAN Food Beverage & Tobacco Unilife Corporation UNS S&P ASX 50 Universal Biosensors Inc UBI Coca-Cola Amatil Limited CCL S&P ASX Household & Personal Products Australian Agricultural Company Limited AAC S&P ASX Bega Cheese Limited BGA Blackmores Ltd BKL Goodman Fielder Limited GFF Graincorp Limited GNC Insurance Primeag Australia Limited PAG S&P ASX 50 Ridley Corporation Limited RIC AMP Limited AMP Select Harvests SHV Insurance Australia Group Limited IAG Tassal Group Limited TGR QBE Insurance Group Limited QBE Treasury Wine Estates Limited TWE Suncorp Group Limited SUN Warrnambool Cheese & Butter Factory Co.Hold.Ltd WCB S&P ASX S&P ASX Austbrokers Holdings AUB Patties Foods Limited PFL ClearView Wealth Ltd CVW NIB Holdings Limited NHF Page 20 MLC Wrap Super Investment Menu

23 Listed investments Listed investments Investment Option ASX code Investment Option ASX code Materials Nufarm Limited NUF S&P ASX 50 OceanaGold Corporation OGC Amcor Limited AMC OM Holdings Limited OMH BHP Billiton Limited BHP Orocobre Limited ORE Fletcher Building Ltd FBU Oz Minerals Limited OZL Fortescue Metals Group Ltd FMG Pan Australian Resources Limited PNA Newcrest Mining Limited NCM Papillon Resources Limited PIR Orica Limited ORI Perseus Mining Limited PRU Rio Tinto Limited RIO Regis Resources Limited RRL S&P ASX Resolute Mining Limited RSG Adelaide Brighton Limited ABC Sandfire Resources NL SFR Alacer Gold Corp. AQG Silver Lake Resources Limited SLR Alumina Limited AWC Sims Group Limited SGM AngloGold Ashanti Ltd AGG Sirius Resources NL SIR Aquarius Platinum Limited AQP Sphere Investments Limited SPH Arrium Limited ARI St Barbara Limited SBM Atlas Iron Limited AGO Syrah Resources Limited SYR BC Iron Limited BCI Troy Resources NL TRY Beadell Resources Limited BDR Western Areas NL WSA Bluescope Steel Limited BSL Western Desert Resources Limited WDR Boral Limited BLD Yancoal Australia Limited YAL Brickworks Ltd BKW Zimplats Holdings Limited ZIM Cudeco Limited CDU S&P ASX Dulux Group Limited DLX ABM Resources NL ABU Evolution Mining Limited EVN Aditya Birla Minerals limited ABY Gold One International Limited GDO Alkane Exploration Limited ALK Iluka Resources Limited ILU Altona Mining Limited AOH Independence Group NL IGO Ampellea Mining Limited AMX Incitec Pivot Limited IPL Astron Limited ATR James Hardie Industries N.V. JHX Avanco Resources Limited AVB Kingsgate Consolidated Limited KCN Base Resources Limited BSE Lynas Corporation Limited LYC Bathurst Resources (New Zealand) Limited BRL Medusa Mining Limited MML Bougainville Copper Ltd BOC Mount Gibson Iron MGX Blackthorn Resources Limited BTR Northern Star Resources Limited NST Cape Lambert Iron Ore Ltd CFE Page 21 MLC Wrap Super Investment Menu

24 Listed investments Listed investments Investment Option ASX code Investment Option ASX code Coal of Africa Limited CZA Northern Iron Limited NFE Cobar Consolidated Resources Limited CCU Norton Gold Fields Limited NGF Discovery Metals Limited DML Nucoal Resources NL NCR Doray Minerals Limited DRM Panoramic Resources Limited PAN Elemental Minerals Limited ELM Panterra Gold Limited PGI Endeavour Mining Corporation EVR Peninsula Energy Limited PEN Equatorial Resources Limited EQX Perilya Limited PEM Flinders Mines Limited FMS PRO PAC Packaging Limited PPG Focus Minerals Ltd FML Ramelius Resources Limited RMS Galaxy Resources Limited GXY Red 5 Limited RED Gindalbie Metals Limited GBG Rex Minerals Limited RXM Grange Resources Limited. GRR Saracen Mineral Holdings Limited SAR Greenland Minerals and Energy Limited GGG Summit Resources Limited SMM Gryphon Minerals Limited GRY Sundance Resources Limited SDL Gujarat NRE Minerals Ltd GNM Tanami Gold NL TAM Imdex Limited IMD Teranga Gold Corporation TGZ Highlands Pacific Limited HIG TFS Corporation Limited TFC Hillgrove Resources Limited HGO Tiger Resources Limited TGS Hot Chili Limited HCH Unity Mining Limited UML Indochine Mining Limited IDC Intrepid Mines Limited IAU Media Indophil Resources NL IRN S&P ASX 50 Iron Ore Holdings Limited IOH Twenty-First FOX Inc FOX Iron Road Limited IRD S&P ASX Ivanhoe Australia Limited IVA Amalgamated Hldgs Ltd AHD Jupiter Mines Limited JMS Fairfax (John) Holdings Limited FXJ Kangaroo Resources Limited KRL News Corporation, Inc Class A Non-voting Common St NWSLV Kingsrose Mining Limited KRM News Corporation, Inc Class B Voting Common Stock NWS Macphersons Resources Limited MRP Prime Media Group Limited PRT Metals X Limited MLX REA Group Ltd REA Metminco Limited MNC Seven West Media Limited SWM Millennium Minerals Limited MOY Sky Network Television Limited SKT Mincor Resources NL MCR Southern Cross Media Group Limited SXL Mineral Deposits Limited MDL STW Communications Group Limited SGN Mirabela Nickel Limited MBN Ten Network Holdings Limited TEN Page 22 MLC Wrap Super Investment Menu

25 Listed investments Listed investments Investment Option ASX code Investment Option ASX code Village Roadshow Ltd VRL Australand Property Group ALZ S&P ASX Australian Education Trust AEU APN News & Media Limited APN Bunnings Warehouse Property Trust BWP Carindale Property Trust CDP Pharmaceuticals, Biotechnology & Life Sciences Cedar Woods Properties Ltd CWP S&P ASX 50 Challenger Diversified Property Group CDI CSL Limited CSL Charter Hall Group CHC S&P ASX Charter Hall Retail REIT CQR Acrux Limited ACR Commonwealth Property Office Fund CPA Bionomics Limited BNO Cromwell Group CMW Mayne Pharma Group Limited MYX Dexus Property Group DXS Mesoblast Limited MSB Federation Centres FDC Sirtex Medical Ltd SRX Finbar Group Limited FRI Starpharma Holdings Limited SPL FKP Property Group FKP S&P ASX Growthpoint Properties Australia GOZ Alchemia Limited ACL ING Office Fund IOF Medical Developments International Limited MVP Peet Ltd PPC Pharmaxis Ltd PXS Servcorp Ltd SRV Phosphagenics Limited POH Shopping Centres Australasia Property Group SCP Prima Biomed Limited PRR Sunland Group Limited SDG QRXPharma Ltd QRX United Overseas Australia Ltd UOS US Masters Residential Property Fund URF Real Estate S&P ASX S&P ASX 50 Aspen Group APZ CFS Retail Property Trust CFX Astro Japan Property Group AJA Goodman Group GMG AVJennings Limited AVJ GPT Group GPT Brookfield Prime Property Fund BPA Lend Lease Corporation Limited LLC Devine Ltd DVN Mirvac Group MGR Ingenia Communities Group INA Stockland SGP Lifestyle Communities Limited LIC Westfield Group WDC Payce Consolidated Limited PAY Westfiled Retail Trust WRT S&P ASX Retailing Abacus Property Group ABP S&P ASX Ale Property Group LEP AMA Group Limited AMA Page 23 MLC Wrap Super Investment Menu

IOOF MultiMix Conservative Trust* IOF0095AU 0.73. IOOF Multi Series Balanced Trust* IOF0090AU 0.55

IOOF MultiMix Conservative Trust* IOF0095AU 0.73. IOOF Multi Series Balanced Trust* IOF0090AU 0.55 AustChoice Super s 1 April 2015 s menu Listed below are the managed funds currently available under AustChoice Super. Use this list when completing the AustChoice Super Investment Authority and Switching

More information

AustChoice Super investment guide (ACH.01)

AustChoice Super investment guide (ACH.01) AustChoice Super investment guide (ACH.01) Issued: 31 October 2014 Contents What to consider when investing 2 What investment options can you choose? 3 Managing risk through diversification 4 Your investment

More information

/ / Contact telephone Contact mobile Fax

/ / Contact telephone Contact mobile Fax Investment Strategy Form Portfolio Service Please complete this form in BLOCK LETTERS using BLACK or BLUE pen only. Section 1 Investor Details Investor name(s) or Company/Trustee name if applicable New

More information

/ / Contact telephone Contact mobile Fax

/ / Contact telephone Contact mobile Fax Investment Strategy Form Investment Service Please complete this form in BLOCK LETTERS using BLACK or BLUE pen only. Section 1 Investor Details New application Account number OR D V N 6 / Investor name(s)

More information

/ / Contact telephone Contact mobile Fax

/ / Contact telephone Contact mobile Fax Investment Strategy Form Superannuation and Pension Services Please complete this form in BLOCK LETTERS using BLACK or BLUE pen only. Section 1 Member Details New application Member number OR / Title Surname

More information

For personal use only

For personal use only 1 2 3 Trade Date: N.A.V. per Unit N.A.V. per Creation Unit Value of Index Basket Shares for 06-May-2013 Cash Component per Creation Unit 4N.A.V. of 6-May-2013 $ 48.69 $ 4,868,711.70 $ 4,868,668.93 $ 42.77

More information

For personal use only

For personal use only 1 2 3 Trade Date: N.A.V. per Unit N.A.V. per Creation Unit Value of Index Basket Shares for 25-Oct-2013 Cash Component per Creation Unit 4N.A.V. of 25-Oct-2013 $ 51.02 $ 5,101,830.93 $ 5,101,939.51 $ -108.58

More information

Term deposits. NAB 2 months. NAB 3 months. NAB 6 months. St George Bank 1 month. St George Bank 2 months. St George Bank 3 months

Term deposits. NAB 2 months. NAB 3 months. NAB 6 months. St George Bank 1 month. St George Bank 2 months. St George Bank 3 months Investments Series 2* Investments *New accounts, or transfers of existing accounts into Series 2, after 3 March 2014. You can choose from: Term deposits Separately Managed Account (SMA), and Listed investments.

More information

Transaction costs (buy/sell spreads)

Transaction costs (buy/sell spreads) 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

More information

Transaction costs (buy/sell spreads)

Transaction costs (buy/sell spreads) Transaction costs (buy/sell spreads) EFFECTIVE FROM DECEMBER 2013 Transaction costs, including brokerage, stamp duty, settlement and other costs, are incurred by a fund when buying and selling fund assets.

More information

Transaction costs (buy/sell spreads)

Transaction costs (buy/sell spreads) Transaction costs (buy/sell spreads) EFFECTIVE FROM NOVEMBER 2014 Transaction costs, including brokerage, stamp duty, settlement and other costs, are incurred by a fund when buying and selling fund assets.

More information

Symbol Code Description Exchange Current rating New rating Change CFD Enabled AFJ:xasx Affinity Education Group Ltd Australian Securities Exchange 7

Symbol Code Description Exchange Current rating New rating Change CFD Enabled AFJ:xasx Affinity Education Group Ltd Australian Securities Exchange 7 Symbol Code Description Exchange Current rating New rating Change CFD Enabled AFJ:xasx Affinity Education Group Ltd Australian Securities Exchange 7 8 1 NO ALU:xasx Altium Ltd Australian Securities Exchange

More information

S&P/ASX 300 Index. Below is the list of companies included in the S&P / ASX 300 Index as at March 2013.

S&P/ASX 300 Index. Below is the list of companies included in the S&P / ASX 300 Index as at March 2013. S&P/ASX 300 Index Below is the list of companies included in the S&P / ASX 300 Index as at March 2013. ASX Code AAC AAD AAX ABC ABP ABU ACR AGI AGK AGO AHE AIO AIX AJA ALK ALL ALQ ALZ AMC AMM AMP AMX ANG

More information

Investment Funds Multiplier

Investment Funds Multiplier Investment s Multiplier Approved s Code Security Name Res AFI Aus Foundation Invest Comp Ltd AMP AMP Ltd 0 75 20 ANZ Australia and New Zealand Banking Group Ltd 0 75 20 ARG Argo Invests Ltd BEN Bendigo

More information

Standard & Poor s S&P/ASX 200 Index

Standard & Poor s S&P/ASX 200 Index Standard & Poor s S&P/ASX 200 Index The ANZ Online Investment Account invests your money in the State Street Global Advisors SPDR S&P/ASX 200 Fund. This Fund seeks to closely match, before fees and expenses,

More information

Koda Capital Investment Account

Koda Capital Investment Account Koda Capital Investment Account Approved Products List 29 July 2015 The Koda Capital Investment Account Approved Products List ( Approved Products List ) is issued by Powerwrap Limited ABN 67 129 756 850,

More information

ANZ Investment Lending ANZ Investment Lending Approved Managed Funds

ANZ Investment Lending ANZ Investment Lending Approved Managed Funds Approved Managed Funds ABERDEEN ASSET MANAGEMENT EQI0028AU ETL0032AU MGL0001AU CSA0131AU CRS0008AU EQI00AU CSA0130AU CSA0103AU CSA0029AU CRS0002AU CRS0005AU CRS0006AU CSA0114AU CRS0004AU CRS0001AU CRS0009AU

More information

Wrap Service. Accessible managed funds menu. 1 December 2015 NETWEALTH WRAP SERVICE. Issuer/trustee details: netwealth Investments Limited

Wrap Service. Accessible managed funds menu. 1 December 2015 NETWEALTH WRAP SERVICE. Issuer/trustee details: netwealth Investments Limited NETWEALTH WRAP SERVICE Wrap Service Accessible managed funds menu 1 December 2015 Issuer/trustee details: netwealth Investments Limited Level 8/52 Collins Street MELBOURNE VIC 3000 ABN 85 090 569 109 AFSL

More information

MLC MasterKey Unit Trust Product Disclosure Statement (PDS)

MLC MasterKey Unit Trust Product Disclosure Statement (PDS) MLC MasterKey Unit Trust Product Disclosure Statement (PDS) Preparation date 1 July 2014 Issued by MLC Investments Limited (MLC) ABN 30 002 641 661 AFSL 230705 This information is general and doesn t take

More information

Escala Investment Account Approved Products List

Escala Investment Account Approved Products List 5 June 2015 Escala Investment Account Approved Products List The Escala Approved Products List ( Approved Products List ) is issued by Powerwrap Limited ABN 67 129 756 850, AFSL 329829) a registered Managed

More information

North investment options

North investment options North investment options North offers a range of investment options featuring: Contents Discounted investment options 2 Guaranteed investment options Managed investment options open Managed investment

More information

FIRSTCHOICE INVESTMENT OPTIONS MENU

FIRSTCHOICE INVESTMENT OPTIONS MENU FIRSTCHOICE INVESTMENT OPTIONS MENU Investments Personal Super Pension Issue No 2015/1, dated 18 May 2015 Issued by: Colonial First State Investments Limited ABN 98 002 348 352 AFS Licence 232468 This

More information

OR / (Refer to the current Freedom of Choice Corporate Superannuation Product Disclosure Statement).

OR / (Refer to the current Freedom of Choice Corporate Superannuation Product Disclosure Statement). Investment Strategy Form Corporate Superannuation Please complete this form in BLOCK LETTERS using BLACK or BLUE pen only. Section 1 Member Details New application Member number OR / Title Surname Given

More information

FirstChoice. Investment Options Menu. Investments Personal Super Pension

FirstChoice. Investment Options Menu. Investments Personal Super Pension FirstChoice Investment Options Menu Investments Personal Super Pension Issue No 2013/1, dated 11 June 2013 Issued by: Colonial First State Investments Limited ABN 98 002 348 352 AFS Licence 232468 This

More information

AMP Personalised Portfolio

AMP Personalised Portfolio AMP Personalised Portfolio Investment Menu Update The following information is an update to the AMP Personalised Portfolio Product Disclosure Statement Part 2, issued 28 June 2013 (the PDS Part 2). This

More information

ANZ Investment Lending ANZ Investment Lending Approved Managed Funds

ANZ Investment Lending ANZ Investment Lending Approved Managed Funds Approved Managed Funds ABERDEEN ASSET MANAGEMENT ETL32AU EQIAU MGL1AU CSA131AU CSA135AU CSA13AU CSA13AU EQI27AU CRS4AU CRS5AU CRS8AU CSA114AU CRS3AU CSA29AU CRS9AU CRS2AU CRS6AU CRS1AU EQI15AU ADVAU ADV25AU

More information

PERPETUAL WEALTHFOCUS

PERPETUAL WEALTHFOCUS PERPETUAL WEALTHFOCUS Investment Book INVESTMENT BOOK Dated 17 April 2015 Issued by Perpetual Investment Management Limited ABN 18 000 866 535 AFSL 234426 Perpetual Superannuation Limited ABN 84 008 416

More information

INVESTMENT. OneAnswer Investment Portfolio. (only available to investors who joined prior to 1 July 2013) Product Disclosure Statement Product Book

INVESTMENT. OneAnswer Investment Portfolio. (only available to investors who joined prior to 1 July 2013) Product Disclosure Statement Product Book INVESTMENT OneAnswer Investment Portfolio (only available to investors who joined prior to 1 July 2013) Product Disclosure Statement Product Book 1 July 2014 OneAnswer Investment Portfolio Entity details

More information

Investing and your options

Investing and your options Issued 17 December ₂₀₁₅ Investing and your options AMP Flexible Super Fact sheet Registered trademark of AMP Limited ABN 49 79 354 519 This document is a fact sheet for AMP Flexible Super. The AMP Flexible

More information

Your investment options explained

Your investment options explained Your investment options explained for the Plum Superannuation Fund Issued by the Trustee: PFS Nominees Pty Ltd ABN 16 082 026 480 AFSL 243357 Fund: Plum Superannuation Fund ABN 20 339 905 340 Administrator:

More information

MLC Wrap Investment Series 2

MLC Wrap Investment Series 2 MLC Wrap Investments Series 2 Financial Services Guide Preparation date XX Preparation Month 2014 date 3 March 2014 Issued by The Trustee, Issued MLC Nominees by Navigator Pty Ltd Australia (MLC) Limited

More information

OneAnswer Frontier Personal Super and Pension. Fees Guide

OneAnswer Frontier Personal Super and Pension. Fees Guide OneAnswer Frontier Personal Super and Pension Fees Guide 1 July 2014 Entity details in this guide Name of legal entity Registered numbers Abbreviated terms used throughout the PDS OnePath MasterFund ABN

More information

Separately Managed Account Product Disclosure Statement

Separately Managed Account Product Disclosure Statement Separately Managed Account Product Disclosure Statement Preparation date 1 July 2014 Issued by Navigator Australia Limited (NAL) ABN 45 006 302 987 AFSL 236466 This information is general and doesn t take

More information

Changes to the Product Disclosure Statement for:

Changes to the Product Disclosure Statement for: Changes to the Product Disclosure Statement for: FirstChoice Investments FirstChoice Personal Super FirstChoice Pension New Product Disclosure Statement: Issue No. 2013/1, dated 11 June 2013 Old Product

More information

Term deposits. NAB 2 months. NAB 3 months. NAB 6 months. St George Bank 1 month. St George Bank 2 months. St George Bank 3 months

Term deposits. NAB 2 months. NAB 3 months. NAB 6 months. St George Bank 1 month. St George Bank 2 months. St George Bank 3 months MLC Wrap Super Series 2* MLC Wrap Super * New accounts, or transfers of existing accounts into Series 2, after 3 March 2014. You can choose from: Term deposits Separately Managed Account (SMA) Managed

More information

INVESTMENT OneAnswer Frontier Investment Portfolio

INVESTMENT OneAnswer Frontier Investment Portfolio INVESTMENT OneAnswer Frontier Investment Portfolio Product Disclosure Statement Product Book 1 July 2014 OneAnswer Frontier Investment Portfolio Entity details in this Product Disclosure Statement (PDS)

More information

WealthFocus Investment Advantage

WealthFocus Investment Advantage Perpetual WealthFocus Investment Advantage Features Book Product Disclosure Statement Part 1 Issue number 4 dated 21 June 2013 Issued by Perpetual Investment Management Limited ABN 18 000 866 535 AFSL

More information

MLC Horizon 5. The growth portfolio. MLC Investments. MLC Horizon. MLC Horizon. MLC Horizon. MLC Horizon. MLC Horizon

MLC Horizon 5. The growth portfolio. MLC Investments. MLC Horizon. MLC Horizon. MLC Horizon. MLC Horizon. MLC Horizon MLC Investments 5 The growth portfolio 85% Growth assets 1 shares, private markets, property securities, long-term absolute return strategy 15% Debt securities 1 nominal bonds, inflation linked securities,

More information

MLC Investment Trust Product Guide

MLC Investment Trust Product Guide MLC Investment Trust Product Guide Preparation date 1 July 2014 Issued by The Trustee, MLC Investments Limited ABN 30 002 641 661 AFSL 230705 The purpose of this guide is to give you the information you

More information

Aspire Investment Menu

Aspire Investment Menu Aspire Investment Menu Issued 15 October 2015 Contents Managed investment menu Aspire Superannuation Master Trust and Aspire Investment Service 2 Term deposits Aspire Superannuation Master Trust and Aspire

More information

Separately Managed Account Product Disclosure Statement

Separately Managed Account Product Disclosure Statement Separately Managed Account Product Disclosure Statement Preparation date 1 May 2015 Issued by Navigator Australia Limited (NAL) ABN 45 006 302 987 AFSL 236466 This information is general and doesn t take

More information

ENEVITA PLATINUM. Financial Services Guide. Preparation date 13 March 2014. Issued by Navigator Australia Limited (NAL) ABN 45 006 302 987 AFSL 236466

ENEVITA PLATINUM. Financial Services Guide. Preparation date 13 March 2014. Issued by Navigator Australia Limited (NAL) ABN 45 006 302 987 AFSL 236466 ENEVITA PLATINUM PORTFOLIO Investment SOLUTION Series 2 Financial Services Guide Preparation date 13 March 2014 Issued by Navigator Australia Limited (NAL) ABN 45 006 302 987 AFSL 236466 Enevita Platinum

More information

Flexible Lifetime Super

Flexible Lifetime Super Issued ₁ July ₂₀₁₅ Flexible Lifetime Super Investment options fact sheet Registered trademark of AMP Life Limited ABN 84 79 3 379. This document is a fact sheet for the product disclosure statement (PDS)

More information

MANAGING FOR FOSSIL FUEL RISKS A 6-POINT PLAN FOR AUSTRALIAN SUPERANNUATION FUNDS.

MANAGING FOR FOSSIL FUEL RISKS A 6-POINT PLAN FOR AUSTRALIAN SUPERANNUATION FUNDS. MANAGING FOR FOSSIL FUEL RISKS A 6-POINT PLAN FOR AUSTRALIAN SUPERANNUATION FUNDS. INTRODUCTION The vast majority of fossil fuel reserves (equivalent to a net present value of $US22 trillion) must not

More information

Investment Menu Retail Managed Accounts

Investment Menu Retail Managed Accounts Investment Menu Retail Managed Accounts IMPORTANT INFORMATION This Investment Menu is issued by Linear Asset Management Ltd (ABN 11 119 757 596, AFSL 304542) ( Responsible Entity we, our or us ), the responsible

More information

FirstChoice Employer Super

FirstChoice Employer Super FirstChoice Employer Super Investment Options Menu Issue No 2014/1, dated 19 May 2014 Issued by: Colonial First State Investments Limited ABN 98 002 348 352 AFS Licence 232468 MySuper Authorisation Identifier

More information

MLC Navigator Access Investment Options Product Disclosure Statement

MLC Navigator Access Investment Options Product Disclosure Statement MLC Navigator Access Investment Options Product Disclosure Statement Preparation date 1 July 2014 Issued by Navigator Australia Limited (NAL) ABN 45 006 302 987 AFSL 236466 This information is general

More information

Direct Equities - Best Ideas for Retiree Portfolios

Direct Equities - Best Ideas for Retiree Portfolios Direct Equities - Best Ideas for Retiree Portfolios Mathew Hodge, CFA, Senior Resources Analyst, Morningstar Australasia David Ellis, CPA, Senior Equity Analyst Banks, Insurance and Diversified Financials,

More information

FirstChoice Personal Super Product Disclosure Statement

FirstChoice Personal Super Product Disclosure Statement FirstChoice Personal Super Product Disclosure Statement This is a combined Financial Services Guide and Product Disclosure Statement Issue No 2012/1, dated 28 May 2012 Colonial First State FirstChoice

More information

For personal use only

For personal use only S&P Indices Announces March 2012 Quarterly Rebalance of the S&P/ASX Indices March 2, 2012 S&P Indices announced today the changes in the S&P/ASX indices, effective after the close of trading on March 16,

More information

BHP Billiton Superannuation Fund

BHP Billiton Superannuation Fund BHP Billiton Superannuation Fund Investment Menu Preparation date 11 May 2016 Issued by the Trustee PFS Nominees Pty Limited (Plum) ABN 16 082 026 480 AFSL 243357 The Fund BHP Billiton Superannuation Fund

More information

Disclosures on supply chain sustainability

Disclosures on supply chain sustainability Disclosures on supply chain sustainability A joint report from ACCA, the Net Balance Foundation and the Sustainable Investment Research Institute This report is part of a series of research projects carried

More information

Wealth Solutions Bond Fund Menu

Wealth Solutions Bond Fund Menu Wealth Solutions Bond Menu Choosing the right funds 3 The importance of diversification 3 Investing for income or growth 3 Investing with Friends Life 4 distribution funds 7 Charges and fund risks 8 risk

More information

My Net Fone: Stock Report by Fat Prophets (ASX:MNF, Price = $1.22) It s all about the Voice. 12 February 2013

My Net Fone: Stock Report by Fat Prophets (ASX:MNF, Price = $1.22) It s all about the Voice. 12 February 2013 12 February 2013 My Net Fone: Stock Report by Fat Prophets (ASX:MNF, Price = $1.22) It s all about the Voice My Net Fone (ASX: MNF) is a niche telecommunications entity which provides voice-centric products

More information

Morningstar Category Definitions

Morningstar Category Definitions Morningstar Category Definitions Morningstar Australasia Pty Ltd Disclaimer: 2015 Morningstar, Inc. All rights reserved. The information in this document is the property of Morningstar, Inc. Reproduction

More information

Topic 7: Asset allocation and diversification

Topic 7: Asset allocation and diversification Topic 7: Asset allocation and diversification Determining what proportion of a portfolio should be invested into each asset class cash, term deposits and fixed income (commonly referred to as income assets)

More information

Macquarie SuperOptions Investment switching form

Macquarie SuperOptions Investment switching form Use this form to switch your investment options. Macquarie SuperOptions Investment switching form Macquarie Investment Management Limited ABN 66 002 867 003 AFSL 237 492 RSEL L0001281 Macquarie Superannuation

More information

This guide contains important information about your NSF Super investment options.

This guide contains important information about your NSF Super investment options. Investment guide Personal Division This guide contains important information about your NSF Super investment options. You should read it to help you make an informed investment choice. Contents 1. Investment

More information

BT Investment Funds. Product Disclosure Statement. Dated 1 July 2013

BT Investment Funds. Product Disclosure Statement. Dated 1 July 2013 BT Investment Funds Product Disclosure Statement Dated 1 July 2013 We recommend that you read this Product Disclosure Statement (PDS) in full before making an investment decision. If you have not received

More information

MLC Wrap. Investments. Service Guide. MLC Wrap. Preparation date: 17 January 2011

MLC Wrap. Investments. Service Guide. MLC Wrap. Preparation date: 17 January 2011 MLC Wrap MLC Wrap Investments Service Guide Preparation date: 17 January 2011 Issued by: Navigator Australia Limited (NAL) ABN 45 006 302 987 AFSL 236466 MLC Wrap MLC Wrap Investments Supplementary Service

More information

Strategy enhancement Change in MLC s fixed income strategies

Strategy enhancement Change in MLC s fixed income strategies Strategy enhancement Change in s fixed income strategies May 2015 We ve added two new managers to our global absolute return strategy and capitalised on the strong performance from our global mortgages

More information

Morningstar Core Equities Portfolio

Morningstar Core Equities Portfolio Morningstar Core Equities Portfolio Managed Portfolio Disclosure Document for members dated 29/02/2016. The Portfolio Manager is Morningstar Australasia Pty Limited (ABN 95 090 665 544, AFSL 240892). Issued

More information

Distribution components for non-residents and intermediaries for 30 June 2015 For the income year ended 30 June 2015

Distribution components for non-residents and intermediaries for 30 June 2015 For the income year ended 30 June 2015 This notice is issued for the purposes of Subdivision 12-H of the Taxation Administration Act 1953 in relation to payments made by Managed Investment Trusts to unit holders and intermediaries. Under section

More information

Sterling Investment Bond Fund specific projection rates

Sterling Investment Bond Fund specific projection rates Sterling Investment Bond Fund specific projection rates This document lists the funds available through the Sterling Investment Bond and the fund specific projection rates used in our illustrations. Examples

More information

For Adviser use only. Voyage product and services guide

For Adviser use only. Voyage product and services guide For Adviser use only Voyage product and services guide 2 Contents Voyage your leading platform solution 4 Voyage at a glance 5 Ensuring good corporate governance 6 Comprehensive investment choice 7 Voyage

More information

Suncorp WealthSmart Super withdrawal form

Suncorp WealthSmart Super withdrawal form Suncorp WealthSmart Super withdrawal form Issued 2 November 2015 Suncorp Portfolio Services Limited (Trustee) ABN 61 063 427 958 AFSL 237905 RSE L0002059 USI RSA0003AU (Business) RSA0004AU (Personal) Please

More information

OnePath investment solutions

OnePath investment solutions OnePath investment solutions Investing has evolved INVESTMENT About OnePath OnePath is one of Australia s leading providers of insurance, superannuation and investment solutions. We have been helping Australians

More information

Accepted Managed Funds for Investment Loans as at 1 February 2016

Accepted Managed Funds for Investment Loans as at 1 February 2016 CommSec Adviser Services Commonwealth Bank of Australia ABN 48 123 123 124 Locked Bag 34 Australia Square NSW 1214 Phone: 1800 252 351 Fax: (02) 9280 7030 Internet: www.commsecadviserservices.com.au Accepted

More information

Cbus Investment Update How Cbus invests in Australian shares: February

Cbus Investment Update How Cbus invests in Australian shares: February Cbus Investment Update How Cbus invests in Australian shares: February Important information This presentation contains information about Cbus. Past performance of our investments is not a reliable indicator

More information

Investment Options and Risk

Investment Options and Risk Investment Options and Risk Issued 1 July 2013 The information in this document forms part of the Product Disclosure Statement for the Military Superannuation and Benefits Scheme (MilitarySuper), third

More information

AON MASTER TRUST. Introduction to investments. aonmastertrust.com.au

AON MASTER TRUST. Introduction to investments. aonmastertrust.com.au AON MASTER TRUST Introduction to investments aonmastertrust.com.au CONTENTS Risk versus return... 3 Asset classes... 4 Defensive and growth asset classes... 5 Asset class performance... 6 Managing risk...

More information

AMP Capital Investment Funds

AMP Capital Investment Funds AMP Capital Investment Funds Investment Statement Dated: 18 September 2015 Issued by AMP Investment Management (N.Z.) Limited Important information (The information in this section is required under the

More information

Your investment options explained for the Plum Superannuation Fund

Your investment options explained for the Plum Superannuation Fund Your investment options explained for the Plum Superannuation Fund Trustee: PFS Nominees Pty Ltd ABN 16 082 026 480 AFSL 243357 Fund: Plum Superannuation Fund ABN 20 339 905 340 Administrator: Plum Financial

More information

Sterling Investment Bond. Investment funds guide

Sterling Investment Bond. Investment funds guide Sterling Investment Bond Investment funds guide Contents Introduction 3 List of current investment funds by sector 4 Investment choice and flexibility 10 Fund risks 11 Managed funds 12 Multi-Managed funds

More information

Dynamic Diversified Growth Fund

Dynamic Diversified Growth Fund Dynamic Diversified Growth Fund with BlackRock Investment Management (UK) Limited Customer Brochure BlackRock is a truly global firm that manages assets for clients in Europe, North and South America,

More information

Equity Lending Approved Investment List as at 19 February 2015. Approved Stocks

Equity Lending Approved Investment List as at 19 February 2015. Approved Stocks Equity Lending Approved Investment List as at The information contained in this document has been prepared without taking into account your personal objectives, financial situation or needs. Before acting

More information

MLC MasterKey Investment Service Fundamentals

MLC MasterKey Investment Service Fundamentals Preparation date 3 March 2014 Issued by MLC Investments Limited (MLC) ABN 30 002 641 661 AFSL 230705 Preparation date 1 September 2015 Issued by MLC Investments Limited (MLC) ABN 30 002 641 661 AFSL 230705

More information

Zurich Investment Bonds. Funds guide

Zurich Investment Bonds. Funds guide Zurich Investment Bonds Funds guide Contents Introduction 3 List of current investment funds by sector 4 Investment choice and flexibility 6 Fund risks 7 Managed funds 8 Multimanaged funds 10 UK equity

More information

Mutual Funds. INVESTMENT SERVICES - PRODUCTS OFFERED - October 2011*

Mutual Funds. INVESTMENT SERVICES - PRODUCTS OFFERED - October 2011* Mutual Funds We make available to you a choice of over 270 mutual funds offered by more than 15 fund managers. When you invest in mutual funds through us, you can be rest assured that they are "true-to-label",

More information

Legal & General All Stocks Gilt Index Fund LS5 UK Gilts 0.12% 0.04% 0.16% 0.08%

Legal & General All Stocks Gilt Index Fund LS5 UK Gilts 0.12% 0.04% 0.16% 0.08% SELECT PORTFOLIO bond (WEALTH MANAGERS) FUND DETAILS This document shows the fund charges, Association of British Insurers (ABI) sectors and valuation spreads for the funds available on our Select Portfolio

More information

Individual Savings Account Fund menu

Individual Savings Account Fund menu Individual Savings Account Fund menu This fund menu lists all the funds available on our Individual Savings Account (ISA). Your financial adviser will be able to help you choose the right combination of

More information

Michigan State University Mapping Schedule

Michigan State University Mapping Schedule Michigan State University Mapping Schedule (This page left blank intentionally) Table of Contents 1 AXA Equitable 4 Fidelity 10 Lord Abbett 13 TIAA-CREF 15 VALIC 18 Vanguard (This page left blank intentionally)

More information

DIVERSIFIED UNITED INVESTMENT LIMITED ABN 33 006 713 177

DIVERSIFIED UNITED INVESTMENT LIMITED ABN 33 006 713 177 ABN 33 006 713 177 APPENDIX 4D STATEMENT FOR THE HALF YEAR ENDED 31 DECEMBER CONTENTS Results for announcement to the market Letter to Australian Securities Exchange Financial Statements Independent Audit

More information

BT Investment Funds. Second Supplementary Product Disclosure Statement

BT Investment Funds. Second Supplementary Product Disclosure Statement BT Investment Funds Second Supplementary Product Disclosure Statement Dated: 1 July 2014 This is a Second Supplementary Product Disclosure Statement ( Second SPDS ) to the BT Investment Funds Product Disclosure

More information

BT Lifetime Super Employer Plan

BT Lifetime Super Employer Plan BT Lifetime Super Employer Plan Part 2 - Additional Information Booklet Part 2 Dated: 1 September 2016 Last updated: 1 September 2016 About this Additional Information Booklet This document is Part 2 of

More information

Equity Lending Approved Investment List as at 18 September 2015. Approved Stocks

Equity Lending Approved Investment List as at 18 September 2015. Approved Stocks Equity Lending Approved Investment List as at 18 September 2015 The information contained in this document has been prepared without taking into account your personal objectives, financial situation or

More information

Zurich Investment Bonds. Funds guide

Zurich Investment Bonds. Funds guide Zurich Investment Bonds Funds guide Contents Introduction 3 List of current investment funds by sector 4 Investment choice and flexibility 6 Fund risks 7 Managed funds 8 Multimanaged funds 10 UK equity

More information

Investment options and risk

Investment options and risk Investment options and risk Issued 1 July 2015 The information in this document forms part of the Product Disclosure Statement for the Public Sector Superannuation accumulation plan (PSSap), eighth edition,

More information

part BT Business Super Part 1 Information booklet This Product Disclosure Statement (PDS) has 2 parts: Information to get you started

part BT Business Super Part 1 Information booklet This Product Disclosure Statement (PDS) has 2 parts: Information to get you started BT Business Super Part 1 Information booklet This Product Disclosure Statement (PDS) has 2 parts: Part 1 Information booklet Information to get you started Part 2 Insurance booklet Everything you need

More information

Global Investment Centre Fund List

Global Investment Centre Fund List Global Investment Centre Fund List The share classes available on Global Investment Centre are either legacy or clean share classes. Clean share classes will replace legacy share classes on the Global

More information

Understanding investment concepts Version 5.0

Understanding investment concepts Version 5.0 Understanding investment concepts Version 5.0 This document provides some additional information about the investment concepts discussed in the SOA so that you can understand the benefits of the strategies

More information

sgard Managed Profiles and Separately Managed Accounts Funds Super/Pension Product Disclosure Statement (PDS) Part 2 Investment Selection

sgard Managed Profiles and Separately Managed Accounts Funds Super/Pension Product Disclosure Statement (PDS) Part 2 Investment Selection sgard Managed Profiles and Separately Managed Accounts Funds Super/Pension Product Disclosure Statement (PDS) Part 2 Selection Issue date: 15 February 2016 The PDS for Asgard Managed Profiles and Separately

More information

BT Balanced Equity Income Fund

BT Balanced Equity Income Fund BT Balanced Equity Income Fund Product Disclosure Statement (PDS) Issued 26 September 2012 Contents 1 About BT Investment Management (RE) Limited 2 How the BT Balanced Equity Income Fund works 3 Benefits

More information

IMPACT OF AUSTRALIAN STOCK EXCHANGE INDEX CHANGES ON PROPERTY TRUST PERFORMANCE

IMPACT OF AUSTRALIAN STOCK EXCHANGE INDEX CHANGES ON PROPERTY TRUST PERFORMANCE Pacific Rim Real Estate Society (PRRES) Conference 2001 Adelaide, 22-24 January 2001 IMPACT OF AUSTRALIAN STOCK EXCHANGE INDEX CHANGES ON PROPERTY TRUST PERFORMANCE GRAEME NEWELL*, PETER ACHEAMPONG and

More information

Sterling Investment Bond. Investment funds guide

Sterling Investment Bond. Investment funds guide Sterling Investment Bond Investment funds guide Contents Introduction 3 List of current investment funds by sector 4 Investment choice and flexibility 10 Fund risks 11 Managed funds 12 Multi-Managed funds

More information

Optimum. Corporate Super, Corporate Super for Standard Pacific, Professional and Personal Super

Optimum. Corporate Super, Corporate Super for Standard Pacific, Professional and Personal Super Optimum Corporate Super, Corporate Super for Standard Pacific, Professional and Personal Super Annual Report for the year ended Important information Suncorp Portfolio Services Limited (Trustee) (ABN 61

More information

Make sure your SMSF is.

Make sure your SMSF is. Make sure your SMSF is. Super decisions You know first-hand that one of the biggest advantages of managing your own super is that you make the decisions. It s one of the main reasons you have an SMSF or

More information

Investment options and risk

Investment options and risk Investment options and risk Issued 1 November 2013 The information in this document forms part of the Product Disclosure Statement for the Commonwealth Superannuation Scheme (CSS), sixth edition, issued

More information

IOOF QuantPlus. Australian Equities Portfolio NZD. Quarterly update

IOOF QuantPlus. Australian Equities Portfolio NZD. Quarterly update IOOF QuantPlus Australian Equities Portfolio NZD Quarterly update For the period ended 31 March 2016 Contents Overview 2 Portfolio at glance 3 Performance 4 Sector allocation 6 Overview At IOOF, we have

More information

A research study issued by the ASX and Russell Investments. Investing Report FULL REPORT / JUNE 2012

A research study issued by the ASX and Russell Investments. Investing Report FULL REPORT / JUNE 2012 A research study issued by the ASX and Russell Investments Long-Term Investing Report FULL REPORT / JUNE 2012 Helping everybody invest intelligently by offering a deeper insight into investment markets

More information