MyNorth helps you confidently reach your financial goals

Transcription

1 MyNorth helps you confidently reach your financial goals

2 MyNorth helps you confidently... Reach your goals with your financial adviser Diversify with a wide range of term deposits, managed funds and shares Protect your loved ones with awardwinning insurance Grow your super so you can retire right Live the lifestyle you want in retirement Enjoy the highs, while you re protected from market downturns with MyNorth guarantees Save for life s big moments, like buying a house Control what you invest in, while we do the paperwork to make it easy for you Keep track of your investments online, 24/7 with North Online

3 MyNorth one solution for life MyNorth one home for your super, retirement and investment needs + Easy online access 24/7 with North Online + Comprehensive reporting when you need it + Control and transparency with a central cash account Cash Term deposits Managed funds Shares Insurance Guarantees Keep track of your investments on the go View your correspondence in your online filing cabinet Make deposits and contributions Account summaries Performance reports Tax and audit reports Centrelink schedules, plus more View in one place: Your deposits and withdrawals Investments you ve bought and sold Distributions, dividends or interest you ve received Fees and taxes you ve paid Any insurance premiums or claims paid MyNorth Super helps you grow your super so you can retire right MyNorth Super is a tax-effective solution to help you save and invest for your retirement. You and your employer can contribute at a concessional tax rate, plus earnings on your investment can help your super grow. MyNorth Pension helps you live the lifestyle you want in retirement MyNorth Pension helps you turn your hard-earned super savings into a regular income, whether you re making a transition to retirement and still working or ready to fully retire. Unlike some other pensions, your money isn t locked away. You can set regular pension payments, take out extra money when you need it, and choose investments to help your money last longer. MyNorth Pension also allows you to enjoy: tax-free investment earnings a 15% tax offset on payments when you re aged 56 to 59 tax-free income on withdrawals once you re over 60. MyNorth Investment helps you save for life s big moments MyNorth Investment provides a solution for all your savings, trust, company and selfmanaged super fund needs. With a huge range of investments to choose from, including Australian shares, you have ownership and control of your assets. 4 5

4 Investment options Highly competitive and flexible fees MyNorth makes investing easy You should only pay for what you need Choose from over 360 managed funds, shares and cash options like term deposits. You can rest assured your investments are in experienced hands with over 80 leading fund managers, plus we ll take care of the paperwork to make investing easy for you. MyNorth offers three investment menus Portfolio value(i) ($) Investment menu Choice(ii) (% pa) Choice(ii) (% pa) Super & Pension Investment , ,999 or , , (ii) (% pa) 0 149,999 MyNorth offers three investment menus to help you only pay for what you need. You may want to keep things simple as you start off and add more investments as your life style and needs change the choice is simply yours. It s easy to switch investments when you need to. Your financial adviser can do this for you quickly, which can be critical during market downturns. 150, , ,000+(iv) (% pa) (i) Total portfolio value includes all accounts held by you in MyNorth Super and Pension and MyNorth Investment as well as North Personal Super and Personal Pension and North Investment. (ii) ed investment options on the Choice menu are eligible for a discount on the administration fee. Refer to the current MyNorth investment options document for eligible investment options and discount rates. (iii) Your administration fee rate will be 0% pa if you invest only in investment options from the menu. If you also invest in investment options on the menu (excluding the cash account) or Choice menu in any MyNorth Super, MyNorth Pension or MyNorth Investment accounts, your administration fee rate will be 0.10% pa. Regardless of which fee rate applies, the portion of your account value in the cash account will be charged at the menu rate applicable to your portfolio value. Simple choices Low cost Keep it simple Simple choices Low cost Simple choices Low cost Low-cost solutions that include MyNorth Dynamic Balanced Fund and MyNorth Index investment options. 6 Choice Sophisticated choices Choice Pay more for more features Sophisticated choices Choice Pay more for more features Sophisticated choices Pay more for more features Choice Choose from a range of well-priced funds Take control with more choice A range of diversified, goals-based and single sector options to suit most of your needs. This menu also includes cash options like term deposits. Over 360 managed funds and shares (super and pension accounts have access to Australia s top 300 listed shares). (iv) The maximum administration fee (inclusive of account fee if applicable) you can incur: across all MyNorth Super and Pension accounts held by you is $4,500 pa across all MyNorth Investment accounts held by you is $4,500 pa. Talk to your financial adviser for full details of the fees and options or take a look at the product disclosure documents available at northonline.com.au/mynorth 7

5 Enjoy the highs and be protected from the lows Award-winning AMP Elevate insurance 1 Guarantee your tomorrow with a choice of three guarantees MyNorth Protected Investment Guarantee Protects your savings (and all contributions) from market downturns and locks-in any market gains every two years. Offers a choice of 6 and 8-year terms and two investment strategies Moderately defensive and Balanced. MyNorth Protected Growth Guarantee Protects your savings (and all contributions) from market downturns and locks-in any market gains annually. Offers a choice of 10 and 20-year terms and three investment strategies Moderately defensive, Balanced and Growth. MyNorth Protected Retirement Guarantee Provides a guaranteed retirement income for life even if you run out of your own funds in retirement and locks-in any market gains annually. Offers a choice of two investment strategies Moderately defensive and Balanced. Protect the things you value most your family, health and wellbeing Protecting your wealth is just as important as building your wealth. MyNorth allows you to add flexible AMP Elevate insurance options to choose the type and level of protection you need. You can choose simple life insurance or add protection so you still receive income if you can t work due to injury or illness. And if life changes, you can always apply for more cover to protect those you value most. Life insurance Helps protect your family against financial hardship should you pass away or become terminally ill. Total and permanent disability insurance Helps you cope financially and maintain your quality of life if you become totally and permanently disabled. Trauma insurance Helps pay for unforeseen expenses should you suffer from a defined trauma event, including heart attack, cancer and stroke (available for investment accounts only). Income insurance Helps provide a regular income to cover day-to-day living expenses while you are too sick or injured to return to work. How does it work? This diagram shows how the MyNorth Protected Investment Guarantee can protect your savings. $350,000 Protected balance Account value Locked-in growth Save money through your MyNorth Super account Paying for your insurance through your MyNorth Super account can help you: save on tax, and keep more of your take-home pay. $300,000 Initial contribution protected balance Locked-in protected balance every two years You receive the full protected balance Choose Australia s favourite for insurance 2 $250,000 $200,000 Account value fluctuates with investment performance LIFE COMPANY OF THE YEAR $150,000 Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 This example is illustrative only and is not an estimate of the investment returns you will receive or fees and costs you will incur. It is based on the following assumptions (a) AMP MyNorth Protected Investment Guarantee, 10-year term invested in a Managed Volatility Growth Fund (b) including Guarantee fee and investment management fee. It does not include administration fee or advice fee. Past performance is not a reliable indicator of future performance. LIFE COMPANY OF THE YEAR AWARDS Five star CANSTAR rating 2015, Outstanding Value for AMP Elevate insurance Term Life, September Largest market share of total in-force annual premium, individual risk, Plan for Life, 31 March Life Company of the Year 2015 Australian Financial Review, Smart Investor Blue Ribbon awards. 8 9

6 See how your investments are tracking 24/7 with North Online Your financial adviser also has access to North Online to enquire, transact and report on your accounts Our award-winning North Online3 is easy to use and secure. It helps you confidently: keep track of your investment, super and retirement accounts in one place view your correspondence in an online filing cabinet make deposits and contributions produce reports, like account summaries, when you need them access the latest product information and news. Apply now Speak to your financial adviser or call us on You can also find out more at northonline.com.au/mynorth 3 Most new developments North Online, Investment Trends 2015 Platform Report 10 11

7 Getting in touch phone web northonline.com.au/mynorth What you need to know NMMT Limited. Consider the MyNorth Super and Pension product disclosure statement (PDS), and the MyNorth Investment investor directed portfolio services guide (IDPS) and your circumstances before deciding what s right for you. AMP companies and representatives receive fees and benefits if you use an AMP product or service, calculated as a dollar amount and/or a percentage of the price or value of your products and services. Contact us on for more details. The issuer of MyNorth Super and Pension is N.M. Superannuation Pty Limited and the fund is Wealth Personal Superannuation and Pension Fund. The issuer of MyNorth Investment is NMMT Limited. The issuer of the MyNorth Investment Guarantee is National Mutual Funds Management Limited /15