North investment options
|
|
- Pamela Knight
- 8 years ago
- Views:
Transcription
1 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 options In specie transfers Listed securities 9 Fixed interest securities 22 Term deposits 22 Current disclosure documents 22 North Standard Measure 22 Important information 2 This document outlines the investment options available through the North Super and Pension Product Disclosure Statement (PDS) and the North Investor Directed Portfolio Service (IDPS) Guide. over 0 managed funds listed securities on the Australian Securities Exchange (ASX) exchange traded funds (ETFs) and exchange traded commodities (ETCs) listed investment companies (LICs) and listed investment trusts (LITs) Australian real estate investment trusts (AREITs), and term deposits. options will be added to and removed from this document from time to time. We recommend you consult your financial adviser before determining the specific investment options you would like to include in your investment strategy. For more information on fees and costs please refer to the North Super and Pension PDS Part A or the North IDPS Guide. Guarantees on the repayment of capital are subject to the conditions of the selected Guarantee. If you have selected a Guarantee, this document should be considered in conjunction with the North Super and Pension Guarantee change to PDS Part B. All investment instructions must be submitted electronically through North Online, northonline.com.au. October 20 Registered trademark of the National Mutual Life Association of Australasia ABN AFS Licence No. 29
2 Discounted investment options Managed investment options AMP Capital Cash Management Trust (W) AMP Capital Corporate Bond Fund AMP Capital Dynamic Markets Fund AMP Capital Equity Income Generator AMP Capital Income Generator (was North Select Income Generator) AMP Capital Multi Asset Fund AMP Capital Premium Growth Fund AMP Capital Specialist Australian Share Fund AMP Capital Specialist Australian Small Companies Fund AMP Capital Specialist Diversified Fixed Income Fund AMP Capital Specialist Geared Australian Share Fund AMP Capital Specialist International (Hedged) Share Fund AMP Capital Specialist International Share Fund AMP Capital Specialist Property and Infrastructure Fund AMP Experts Choice Conservative Fund AMP Experts Choice Balanced Fund AMP Experts Choice Growth Fund AMP Experts Choice Diversified Interest Income Fund AMP Experts Choice Property and Infrastructure Fund AMP Experts Choice Short Term Money Market Fund ipac Life Choices Active 0 ipac Life Choices Active 0 ipac Life Choices Active 8 ipac Life Choices Active 00 ipac Life Choices Index 0 ipac Life Choices Index 0 ipac Life Choices Index 8 ipac Life Choices Alternative Balanced ipac Life Choices Income Generator ipac Life Choices Premium Growth North Active Defensive North Active Moderately Defensive North Active Balanced North Active Growth North Active Growth North Index Defensive North Index Moderately Defensive North Index Balanced North Index Growth North Index Growth North Professional Conservative North Professional Moderately Conservative (was Select Active Moderately Defensive) North Professional Balanced (was Select Active Balanced) North Professional Alternative Balanced (was Select Alternative Balanced) North Professional Growth (was Select Active Growth) North Professional Growth (was Select Active Growth) Term deposits AMP ANZ Adelaide Bank Westpac North Cash Account 2
3 Guaranteed investment options The following funds are available with a Guarantee: AMP Capital Cash Management Trust (W) North Cash Account North Guardian Moderately Defensive Fund North Guardian Balanced Fund North Guardian Growth Fund Please note that the funds available to you will vary depending on the investment strategy you have selected. For more information, please read the North Super and Pension PDS Part B or North Guarantee PDS. Investors who have selected a Guarantee prior to 29 July 20 may choose from these funds: AMP Capital Cash Management Trust (W) North Cash Account North Active Defensive North Active Moderately Defensive North Active Balanced North Active Growth North Active Growth North Index Defensive North Index Moderately Defensive North Index Balanced North Index Growth North Index Growth Investors who have selected a Guarantee prior to 0 April 202 may also choose from these funds: North Cash Account Aberdeen Income Focused Bond Fund AMP Capital Australian Equity Value Fund (W) Ausbil Australian Active Equity Fund BlackRock Indexed Australian Bond Fund BlackRock Indexed Australian Equity Fund BlackRock Indexed Australian Listed Property Fund BlackRock Indexed International Equity Fund BlackRock Scientific Australian Equity Fund BT Core Australian Share Fund (W) BT Core Global Share Fund (W) Colonial First State Australian Share Fund Core (W) Fidelity Australian Equities Fund GMO Australian Equity Trust GMO Global Equity Trust Maple-Brown Abbott Australian Share Fund (W) Perennial Value Shares Trust (W) Perpetual Australian Share Fund (W) Schroder Australian Equity Fund (W) Schroder Global Core Fund Tyndall Australian Share Portfolio (W) UBS Australian Share Fund UBS Cash Fund Vanguard Australian Fixed Interest Index Fund (W) Vanguard Australian Property Securities Index Fund (W) Vanguard Australian Shares Index Fund (W) Vanguard International Fixed Interest Index Fund (Hedged) (W) Vanguard International Shares Index Fund Vanguard International Shares Index Fund (Hedged)
4 Managed investment options open Multisector Page Australian Equities Page 9 Cautious Conservative Moderately Conservative Balanced Moderately Aggressive Aggressive Specialist Income Mid/Small/Micro Cap Large Cap Specialist Global Equities Page 2 Cash Page Income Mid/Small/Micro Cap Cash and Deposits Short Term Fixed Interest Large Cap Large Cap (Currency Hedged) Regional Specialist Fixed Interest Page Infrastructure Page Australian Fixed Interest Diversified Fixed Interest Global Fixed Interest Annuities Diversified Global Specialist Alternatives Page Credit Page 8 Property Page 8 Australian Property Diversified Property Global Property
5 Multisector Cautious IPA00AU AMP Capital Income Generator (iii) /0.22 to IPA08AU ipac Life Choices Income Generator (i) /0.22 to IPA00AU North Active Moderately Defensive /0. to SBC08AU UBS Defensive Fund /0. Conservative CRS000AU Aberdeen Multi Asset Income fund /0.20 HLR000AU AMP Experts Choice Conservative Fund /0. to BAR08AU BlackRock Scientific Diversified Stable Fund /0. to NMM0AU North Index Defensive (ii) 0. 0./0.0 to IPA008AU North Active Defensive /0.2 to IPA0AU North Professional Conservative (i) 0. 0./0. to VAN009AU Vanguard Conservative Index Fund 0. 0./0.2 to Moderately Conservative IPA0AU ipac Life Choices Active 0 (i) /0.2 IPA00AU ipac Life Choices Index /0.2 to IPA09AU North Guardian Moderately Defensive (iv) /0.0 to NMM02AU North Index Moderately Defensive (ii) /0.8 to IPA0080AU North Professional Moderately Conservative (was Select Active Moderately Defensive) (i) /0.2 to Balanced BAR08AU BlackRock Scientific Diversified Growth Fund /0.2 to PWA0822AU BlackRock Wholesale Balanced Fund /0.8 to FSF0008AU Colonial First State Wholesale Diversified Fund 0.9 IPA0AU ipac Life Choices Active 0 (i) /0.2 to IPA0AU ipac Life Choices Alternative Balanced (i).0 0.2/0.2 to IPA09AU ipac Life Choices Index /0.2 IPA00AU North Active Balanced /0.2 IPA0AU North Guardian Balanced (iv) /0.0 NMM0AU North Index Balanced (ii) 0. 0./0.2 IPA00AU North Professional Alternative Balanced (was Select Alternative Balanced) (i).0 0.2/0.2 to IPA00AU North Professional Balanced (was Select Active Balanced) (i) /0.2 PER00AU Perpetual Wholesale Balanced Growth Fund.0 0./ SCH002AU Schroder Balanced Fund Wholesale Class 0.22/0.22 to SBC08AU UBS Balanced Fund 0.9 to VAN008AU Vanguard Balanced Index Fund 0. 0./0. to Refer to the notes on page.
6 Multisector (continued) Moderately Aggressive HLR000AU AMP Experts Choice Balanced Fund /0.2 HLR000AU AMP Experts Choice Growth Fund 0.29/0.29 DFA0029AU Dimensional Multi-Factor Growth Trust (v) /0.0 IPA0AU ipac Life Choices Index /0.2 IPA0AU ipac Life Choices Active 8 (i) /0.28 IPA009AU North Active Growth /0.2 IPA08AU North Guardian Growth (iv) /0.0 NMM0AU North Index Growth (ii) 0. 0./0.2 IPA008AU North Professional Growth (was Select Active Growth) (i) /0.2 VAN00AU Vanguard Growth Index Fund 0. 0./0. Aggressive IPA08AU AMP Capital Premium Growth Fund (i).9 0.9/0.9 IPA0AU ipac Life Choices Active 00 (i).0 0.2/0.2 IPA02AU ipac Life Choices Premium Growth.9 0.9/0.8 NMM0AU North Index Growth (ii) 0. 0./0.2 IPA000AU North Active Growth /0.2 IPA009AU North Professional Growth (was Select Active Growth) (i).0 0.2/0.2 VAN0AU Vanguard Growth Index Fund 0. 0./0. Very Specialist CRS0002AU Aberdeen Multi Asset Real Return Fund 0.8 to AMP92AU AMP Capital Dynamic Markets Fund (i) /0. to AMP8AU AMP Capital Multi Asset Fund (i) 0.0/0. MAL008AU BlackRock Global Allocation Australian Fund (i) 0.20 MAL0029AU BlackRock Global Allocation Fund 0.0 SCH009AU Schroder Real Return CPI +.% Fund Wholesale Class /0.8 2 SCH00AU Schroder Real Return CPI +% Fund Wholesale Class Cash Cash and Deposits NML008AU AMP Capital Cash Management Trust (W) 0. SBC08AU UBS Cash Fund 0.2 Short Term Fixed Interest HLR000AU AMP Experts Choice Short Term Money Market Fund 0.0 DDH0009AU DDH Cash Fund 0.22 DFA000AU Dimensional Short Term Fixed Interest (v) 0.9 MAQ020AU Macquarie Australian Diversified Income Fund /0. VAN002AU Vanguard Cash Plus Fund 0.29 Refer to the notes on page.
7 Fixed Interest Australian Fixed Interest CRS000AU Aberdeen Australian Fixed Income Fund 0. /0.0 CSA00AU Aberdeen Income Focused Bond Fund 0.2 /0.0 CRS0008AU Aberdeen Inflation Linked Bond Fund /0. AMP098AU AMP Capital Wholesale Australian Bond Fund /0.0 to BGL00AU BlackRock Indexed Australian Bond Fund /0.08 to RFA08AU BT Fixed Interest (W) / to WFS0AU BT Wholesale Enhanced Cash Fund /0.0 to TYN00AU Nikko AM Australian Bond Fund /0.0 IOF00AU Perennial Cash Enhanced Wholesale Trust 0. to IOF0AU Perennial Tactical Income Trust 0. ETL00AU PIMCO EQT Wholesale Australian Bond Fund 0.0 /0.0 2 ETL082AU PIMCO EQT Wholesale Australian Focus Fund 0.0 /0.0 2 SBC08AU UBS Australian Bond Fund /0.0 to VAN000AU Vanguard Australian Fixed Interest Index Fund (W) /0.2 2 VAN002AU Vanguard Australian Government Bond Index Fund /0.0 to Diversified Fixed Interest HLR000AU AMP Experts Choice Diversified Interest Income Fund 0. 0./0. to BTA08AU BT Wholesale Monthly Income Plus Fund 0. 0./ to JBW008AU Goldman Sachs Core Plus Australian Fixed Income Fund 0.9 to HOW002AU Kapstream Absolute Return Income Fund (W) 0.0 to MAQ02AU Macquarie Diversified Fixed Interest Fund (i) / ETL00AU PIMCO EQT Diversified Fixed Interest Fund 0.0 /0.0 to SCH0028AU Schroder Fixed Income Fund Wholesale Class /0.2 to SBC000AU UBS Diversified Fixed Income Fund /0. 2 Global Fixed Interest ADV00AU Advance International Fixed Interest Multi Blend Fund /0.0 AMP0AU AMP Capital Future Directions International Bond Fund (i) 0.98 AMP992AU AMP Capital Specialist Diversified Fixed Income Fund /0.2 BGL0008AU BlackRock Global Bond Index Fund 0.20 DFA008AU Dimensional Five-Year Diversified Fixed Interest Trust (v) 0.28 /0.0 2 DFA0028AU Dimensional Global Bond Trust (v) 0. /0.0 to DFA0002AU Dimensional Two-Year Diversified Fixed Interest Trust (v) 0.2 /0.0 ETL008AU PIMCO EQT Global Bond Fund (W) 0.9 /0.0 ETL0020AU PIMCO EQT Wholesale Global Real Return Fund 0. /0.20 VAN00AU Vanguard International Fixed Interest Index Fund (Hedged) (W) /0.0 Refer to the notes on page.
8 Fixed Interest (continued) Annuities MLT0002AU Challenger Guaranteed Income Fund (.0 cents pa 0 June 20) MLT000AU Challenger Guaranteed Income Fund (. cents pa 0 September 20) MLT000AU Challenger Guaranteed Income Fund (.8 cents pa 0 September 208) MLT000AU Challenger Guaranteed Income Fund (. cents pa March 2020) MLT000AU Challenger Guaranteed Income Fund (.0 cents pa 0 Sept 20) HOW009AU Challenger Guaranteed Income Fund (.0 cents pa 0 Jun 20) HOW00AU Challenger Guaranteed Income Fund (.0 cents pa 0 Jun 20) (vi) Specialist ACM000AU AllianceBernstein Dynamic Global Fixed Income Fund /0. to FRT00AU Franklin Templeton Multisector Bond Fund (W) 0.9 to JBW009AU Goldman Sachs Global Strategic Bond Fund 0.80 to PER02AU JPMorgan Global Strategic Bond Fund /0. to SSB00AU Legg Mason Brandywine Global Opportunistic Fixed Income Fund (Class A) /0.09 to PTN0002AU Putnam Worldwide Income Fund /0.0 to Credit AMP0AU AMP Capital Corporate Bond Fund 0.2 CSA008AU Bentham Global Income Fund (W) /0.0 to CSA00AU Bentham Syndicated Loan Fund (W) /0.0 to MAL002AU BlackRock Monthly Income Fund Class D (W) 0. /0.20 FSF008AU Colonial First State Global Credit Income Fund (W) /0.2 to MAQ02AU Macquarie Income Opportunities Fund /0. PER020AU Perpetual Diversified Income Fund (W) /0.0 to ETL009AU PIMCO EQT Wholesale Global Credit Fund 0. /0.20 PMC00AU PM Capital Enhanced Yield Fund (i) /0.0 to PGI000AU Principal Global Credit Opportunities Fund /0. to SCH00AU Schroder Credit Securities Fund Wholesale Class 0. UBS000AU UBS Diversified Credit Fund /0.2 to VAN00AU Vanguard International Credit Securities Indexed Hedged Fund /0.2 Property Australian Property NML000AU AMP Capital Wholesale Australian Property Fund (viii) 0.8 to NFS0209AU Antares Listed Property Fund /0. APN0008AU APN A-REIT Fund /0.2 AUS00AU Australian Unity Healthcare Property Trust Class A Units. 2.0/0.0 BGL008AU BlackRock Indexed Australian Listed Property Fund /0.2 Refer to the notes on page. 8
9 Property (continued) Australian Property (continued) RFA08AU BT Wholesale Property Fund / MAQ08AU Charter Hall Direct Industrial Fund (i) 0.0 CRM008AU Cromwell Direct Property Fund (i) 0.80 to PAL0002AU Ironbark Paladin Property Securities Fund /0.2 SSB002AU Legg Mason Australian Real Income Fund 0. SSB028AU Legg Mason Property Securities Trust Class A 0. HBC0008AU SG Hiscock Property Securities Fund (W) 0.8 CRS000AU SG Hiscock Wholesale Property Fund 0.8 SBC08AU UBS Property Securities Fund /0. VAN000AU Vanguard Australian Property Securities Index Fund (W) /0. Very ZUR00AU Zurich Australian Property Securities Fund 0.8 Very Diversified Property AMP0AU AMP Capital Core Property Fund Class A (viii).2 0./0. to AMP990AU AMP Capital Specialist Property and Infrastructure Fund. 0.2/0.2 HLR0022AU AMP Experts Choice Property and Infrastructure Fund /0.29 Global Property AMP09AU AMP Capital Global Property Securities Fund.00 0./0. DFA000AU Dimensional Global Real Estate Trust (v) /0.0 ETL000AU EQT SGH LaSalle Global Listed Property Securities Trust.0 0.2/0.2 GTU00AU Invesco Wholesale Global Property Securities Fund (Hedged) /0. Very MGL000AU Ironbark Global (Ex-Australia) Property Securities Fund. IOF008AU Resolution Capital Global Property Securities Fund (Hedged) Series II.0 IOF08AU Resolution Capital Global Property Securities (Unhedged) Series II.0 HML00AU UBS Clarion Global Property Securities Fund VAN008AU Vanguard International Property Securities Index Fund 0.0 Very VAN009AU Vanguard International Property Securities Index Fund (Hedged) /0.2 Very Australian Equities Income AMP90AU AMP Capital Equity Income Generator PPL0002AU Antares Dividend Builder /0. ETL08AU Armytage Australian Equity Income Fund /0.2 BTA028AU BT Balanced Equity Income Fund.9 0.2/0.2 RFA00AU BT Imputation Fund (W) 0.0/0 FSF09AU Colonial First State Equity Income Fund (W).2 IML000AU Investors Mutual Equity Income Fund 0.2/0.2 ADV00AU Maple-Brown Abbott Australian Share Fund (W) /0.2 Refer to the notes on page. 9
10 Australian Equities (continued) Income (continued) HBC00AU Merlon Australian Share Income Fund (W) 0.9 to IOF008AU Perennial Value Shares for Income Trust 0.92 WHT009AU Plato Australian Shares Income Fund to WHT00AU Plato Australian Shares Income Fund (Managed ) TYN008AU Nikko AM-Tyndall Australian Share Income Fund 0.9 VAN00AU Vanguard Australian Shares Yield Fund /0.0 Very ZUR08AU Zurich Equity Income Fund.8 0./0. Very Mid/Small/Micro Cap CSA0AU Aberdeen Australian Small Companies Fund.2 0.2/0.2 AUS008AU Acorn Capital Microcap Fund. Very AMP09AU AMP Capital Specialist Australian Small Companies Fund (i). 0./0. HLR002AU AMP Experts Choice Small Companies Fund. 0.2/0.2 PPL00AU Antares Small Companies (i) /0. AAP00AU Ausbil Australian Emerging Leaders Fund (i) 0.0 AAP000AU Ausbil Microcap Fund (i) - Closed to new investments effective 0/0/20.20 AUG008AU Australian Ethical Smaller Companies Fund /0.0 BFL000AU Bennelong ex-20 Australian Equities Fund (i).00 RFA089AU BT Wholesale Small Companies Fund.2 0.0/ DFA00AU Dimensional Australian Small Company Trust (v) /0.0 Very EGG000AU Eley Griffiths Small Companies Fund (i).2 0.2/0.2 ANT0002AU Fairview Equity Partners Emerging Companies Fund (i).20 FID002AU Fidelity Future Leaders Fund /0.2 BNT00AU Hyperion Small Companies Growth Fund (i).2 to IML000AU Investors Mutual Future Leaders Fund (W) (i) 0.2/0.2 to IML000AU Investors Mutual Australian Small Companies 0.2/0.2 to PAT0002AU Ironbark Karara Australian Small Companies Fund (i) /0.2 HOW00AU Kinetic Emerging Companies Fund (W) (i). Very HOW002AU NovaPort Wholesale Microcap Fund (i).0 Very HOW00AU NovaPort Wholesale Smaller Companies Fund (i) Very OPS0002AU OC Funds Management Premium Small Companies Fund (i).20 PER008AU Perpetual Wholesale Smaller Companies Fund (i).2 0./0. Very ETL002AU SG Hiscock ICE Fund (i).8 0./0. UBS000AU UBS Australian Small Companies (i) /0. ZUR08AU Zurich Small Companies Fund (i) Very Refer to the notes on page. 0
11 Australian Equities (continued) Large Cap CRS000AU Aberdeen Ex-20 Australian Equities Fund /0.2 ETL000AU Allan Gray Australia Equity Fund (i) 0. Very PAM000AU Alphinity Australian Share (W) AMP820AU AMP Capital Australian Equity Concentrated Fund - Closed to new investments effective /0/20. NML00AU AMP Capital Australian Equity Value Fund (W) 0. AMP08AU AMP Capital Specialist Australian Share Fund /0.2 HLR0002AU AMP Experts Choice Australian Shares Fund 0.29/0.29 PPL0AU Antares Elite Opportunities Fund (i) /0. PPL00AU Antares Growth Shares Fund (i).0 0./0. ARO00AU Arnhem Australian Equity Fund 0.8 AAP00AU Ausbil Australian Active Equity Fund BFL000AU Bennelong Australian Equities 0.9 BGL00AU BlackRock Indexed Australian Equity Fund /0.2 BAR08AU BlackRock Scientific Australian Equity Fund 0.9 BTA00AU BT Australian Share Fund (W) (i) / RFA088AU BT Core Australian Share Fund (W) / RFA009AU BT Focus Australian Share Fund /0.2 CFM00AU Colonial First State Australian Share Fund Core (W) 0.9 FSF0AU Colonial First State Antares Wholesale Elite Opportunities (i).0 0.2/0.2 PIM0028AU Dalton Nicol Reid Australian Equities Conviction Fund 0.2/0.2 DFA000AU Dimensional Australian Core Equity Trust (v) /0.0 DFA00AU Dimensional Australian Large Company Trust (v) /0.0 DFA00AU Dimensional Australian Value Trust (v) /0.0 FID0008AU Fidelity Australian Equities Fund /0.2 JBW0009AU Goldman Sachs Australian Equities Wholesale Fund 0.9 HOW00AU Greencape Wholesale Broadcap Fund (i) 0.9 HOW00AU Greencape Wholesale Conviction BNT000AU Hyperion Australian Growth Companies Fund 0.9 to ITG000AU Integrity Australian Share Fund IML0002AU Investors Mutual Australian Share Fund (W) 0.2/0.2 to IML000AU Investors Mutual Concentrated Australian Share Fund (i) 0.2/0.2 to PAT000AU Ironbark Karara Australian Share Fund 0.2/0.2 TYN0028AU Nikko AM-Tyndall Australian Share Fund (W) 0.80 TYN000AU Nikko AM-Tyndall Australian Share Concentrated Fund.00 IOF020AU Perennial Value Shares Trust (W) 0.92 to Refer to the notes on page.
12 Australian Equities (continued) Large Cap (continued) PER009AU Perpetual Australian Share Fund (W) 0.0/ Very PER002AU Perpetual Concentrated Equity Fund (W).0 0./0. Very FSF09AU Realindex Australian Share Fund Class A /0.0 SCH00AU Schroder Australian Equity Fund (W) /0.2 ETL002AU SG Hiscock SGH20 Fund.2 0.2/0.2 WHT002AU Solaris Core Australian Equity Fund SOL000AU Solaris Core Australian Equity Fund (Performance Alignment) (i) 0. WHT00AU Solaris Core Australian Equity Fund (Performance Fee Option) SBC08AU UBS Australian Share Fund 0.2/0.2 UBS002AU UBS HALO Australian Share Fund 0.2/0.2 VAN0002AU Vanguard Australian Shares Index Fund (W) /0.0 Very Specialist AMP8AU AMP Capital Australian Equity Opportunities Fund Class A - Closed to new investments effective /0/20 AMP099AU AMP Capital Specialist Geared Australian Share Fund (vii). 0.0/0.0 Very AAP0002AU Ausbil Australian Geared Equity (vii).20(g)/ 2.(n) Very BFL000AU Bennelong Kardinia Absolute Return Fund. MAL002AU BlackRock Australian Equity Opportunities Fund (i) /0.0 RFA002AU BT Ethical Share Fund (W) / RFA00AU BT Geared Imputation Fund (W) (vii). 0.80/ Very CRE000AU Clime Australian Value Fund (W) (i) /0.2 FSF089AU Colonial First State Acadian Aust Equity Long Short (W).2 FSF00AU Colonial First State Geared Share Fund (W) (i)(vii).0(g)/ 2.(n) 0.0/0.0 Very IML000AU Investors Mutual Industrial Fund (W) 0.2/0.2 to KAM00AU K2 Australian Absolute Return Fund (i). 0.0/0.0 to FHT000AU Montgomery The Montgomery Fund (i).9 0.2/0.2 MMF9AU OnePath Protected AUS 0 Trust (W).0 0.0/0.0 PCL000AU Pengana Australian Equities Fund (i).2 0.2/0.2 IOF0228AU Perennial Value Wealth Defender Australian Shares Trust (i) 0.98 PER0AU Perpetual Ethical SRI Fund (W).8 0./0. Very PER00AU Perpetual Geared Australian Share Fund (W) (vii).(g)/ 2.(n) 0.8/0.8 Very PER00AU Perpetual Industrial Share Fund (W) 0.0/ Very PER002AU Perpetual Wholesale Share Plus Long Short Fund (i) Refer to the notes on page. 2
13 Global Equities Income MAQ00AU IFP Global Franchise Fund /0. MGL000AU Ironbark GTP Global Equity Thematic Fund /0.2 MGE000AU Magellan Global Fund (i). 0.0/0.0 PER000AU Perpetual International Share Fund (W).2 0.0/ FSF09AU Realindex Global Share Fund Class A /0. SCH000AU Schroder Global Value Fund /0. SCH000AU Schroder Global Core Fund /0.0 ETL00AU T. Rowe Price Global Equity Fund.20 0./0.20 Very FRT000AU Templeton Global Equity Fund. Very HFL002AU Threadneedle Global Equity Income Fund (unhedged). 0.2/0.2 VAN000AU Vanguard International Shares Index Fund /0.0 Very MAQ00AU Walter Scott Global Equity Fund /0. ZUR080AU Zurich Global Growth Share Fund /0.08 ZUR00AU Zurich s Global Thematic Share Fund /0.08 Very Mid/Small/Micro Cap MAL0AU BlackRock Global Small Caps Fund.2 0.0/0.0 DFA00AU Dimensional Global Small Company Trust (v) 0. 0./0. Very JBW00AU Goldman Sachs Global Small Companies Fund (W). HOW0002AU Hunter Hall Value Growth Trust.8 0.2/0.2 HHA0002AU Hunter Hall Global Equities Trust (i) /0.2 LAZ002AU Lazard Global Small Cap Fund W Class.2 0.0/0.0 Large Cap EQI00AU Aberdeen International Equity Fund /0.2 AMP082AU AMP Capital Specialist International Share Fund.09 NML08AU AMP Capital Global Equity Value Fund (W) 0.98 AMP0AU AMP Capital Responsible Leaders International Share Fund. 0./0. HLR000AU AMP Experts Choice International Shares Fund. 0.28/0.28 MAQ0AU Arrowstreet Global Equity Fund.28 0./0. to BGL00AU BlackRock Indexed International Equity Fund /0.0 BAR08AU BlackRock Scientific International Equity Fund /0. MIA000AU BNP Paribas MFS Global Equity Trust 0. 0./0. RFA082AU BT Core Global Share Fund (W) / FSF0908AU Colonial First State Generation Wholesale Global Share Fund (i).2 DFA000AU Dimensional Global Core Equity Trust (v) /0.0 DFA00AU Dimensional Global Large Company Trust (v) /0.0 Refer to the notes on page.
14 Global Equities (continued) Large Cap (continued) DFA002AU Dimensional Global Value Trust (v) /0.0 FID000AU Fidelity Global Equities Fund. Very HOW002AU Five Oceans Wholesale World Fund (i).2 0.0/0.0 FRT0009AU Franklin Global Growth Fund. Very GMO00AU GMO Global Equity Trust /0.2 GSF0002AU Grant Samuel Epoch Global Shareholder Yield Fund (Unhedged).2 to Large Cap (Currency Hedged) CRS000AU Aberdeen Actively Hedged International Equities Fund /0.2 CSA0AU Aberdeen Fully Hedged International Equities Fund 0.2/0.2 AMP082AU AMP Capital Specialist International (Hedged) Share Fund (i).09 MAQ009AU Arrowstreet Global Equity Fund (Hedged) /0.29 Very DFA0009AU Dimensional Global Core Equity Trust (Hedged) (v) /0. GSF000AU Grant Samuel Epoch Global Shareholder Yield Fund (Hedged).0 to MAQ0AU IFP Global Franchise Fund (Hedged).8 0./0.2 MGL008AU Ironbark GTP Global Equity Thematic (Fully Hedged).0 MGE000AU Magellan Global Fund (Hedged) (i). 0.0/0.0 ETL00AU MFS Fully Hedged Global Equity Trust /0. FSF09AU Realindex Global Share Hedged Fund Class A /0. VAN00AU Vanguard International Shares Index Fund (Hedged) /0. Very MAQ0AU Walter Scott Global Equity Fund (Hedged) /0. ZUR0AU Zurich s Hedged Global Thematic Share Fund /0.08 Very Regional EQI0028AU Aberdeen Asian Opportunities Fund.8 0./0. Very ETL002AU Aberdeen Emerging Opportunities Fund.0 0./0. Very BTA00AU BT Wholesale Asian Share Fund / DFA00AU Dimensional Emerging Markets Trust (v) /0.2 FID00AU Fidelity India Fund /0.0 Very FID000AU Fidelity Asia Fund. 0.0/0.0 Very LAZ000AU Lazard Emerging Markets Fund. 0.0/0.0 Very MAQ00AU Macquarie Asia New Stars No. Fund (i) /0.0 Very MAQ0AU Macquarie Premium China Fund (i) /0.2 PLA000AU Platinum Asia Fund. 0.2/0.2 PLA000AU Platinum European Fund. 0.2/0.2 to PLA000AU Platinum Japan Fund. 0.2/0.2 ETL08AU Robeco Emerging Conservative Equity Fund 0.0/0. SCH00AU Schroder Global Emerging Markets.0 0.0/0.0 Refer to the notes on page.
15 Global Equities (continued) Regional (continued) ETL00AU T. Rowe Price Asia ex-japan Fund.0 0./0.0 Very VAN000AU Vanguard Emerging Markets Shares Index Fund 0. 0./0. Very MAQ0AU Walter Scott Emerging Markets Fund.8 0.2/0.20 Specialist FSF089AU Colonial First State Acadian Geared Global Equity (W) (vii).2(g)/ 2.(n) 0.0/0.0 Very FSF008AU Colonial First State Global Resources Fund (W). 0.2/0.2 Very MGL009AU Ironbark GTP Global Equity Agribusiness Fund. PCL000AU Pengana Global Resources Fund (i). PLA000AU Platinum International Brands Fund. 0.2/0.2 PLA0002AU Platinum International Fund. 0.2/0.2 to PLA000AU Platinum Unhedged Fund. 0.2/0.2 PMC000AU PM Capital Global Companies Fund(i) /0.2 Very Infrastructure Diversified AMP9AU AMP Capital Core Infrastructure Fund (i).20 0./0. Global AMP9AU AMP Capital Global Infrastructure Securities Fund (Hedged) (i) 0.8 AMP9AU AMP Capital Global Infrastructure Securities Fund (Unhedged) (i) 0.8 Very LAZ00AU Lazard Global Listed Infrastructure Fund 0.98 MAQ02AU Macquarie International Infrastructure Securities Fund.0 0.2/0.2 MAQ082AU Macquarie International Infrastructure Securities Fund (Unhedged).0 0.2/0.2 MGE0002AU Magellan Infrastructure Fund (i).0 0./0. MGE000AU Magellan Infrastructure Fund (Unhedged) (i).0 0./0. TGP0008AU RARE Infrastructure Value Fund (Hedged) (i).0 0.2/0.20 TGP00AU RARE Infrastructure Value Fund (Unhedged) (i) /0.20 VAN002AU Vanguard Global Infrastructure Index Fund 0.9 Very VAN002AU Vanguard Global Infrastructure Index Fund (Hedged) /0.2 Very Alternatives MAN0002AU AHL Alpha Fund (i) 2.9 to FSF08AU Aspect Diversified Futures Fund Class A (i).2 to AFM000AU Aurora Fortitude Absolute Return Fund (i). 0.02/ MAL009AU BlackRock Australian Equity Absolute Return Fund (i) /0.0 BLK000AU BlackRock Multi Opportunity Absolute Return Fund (i).0 0.0/0.0 to BGL00AU BlackRock Scientific Global Markets Fund (i).0 0.2/0.2 GTU009AU Invesco Wholesale Global Targeted Returns Fund Class A 0.9 to Refer to the notes on page.
16 Alternatives (continued) DEU009AU Ironbark Global Diversified Alternatives Fund (i).0 HFL00AU Ironbark LHP Diversified s Fund.0 to HFL008AU Ironbark LHP Global Long/Short Fund.2 MAQ082AU Macquarie Winton Global Alpha Fund (i) /0.0 to ETL02AU Partners Group Global Value Fund (i)(viii). PCL000AU Pengana Absolute Return Asia Pacific Fund (viii).0 to Notes: (i) cost is exclusive of any performance fee, however this investment option may charge a performance fee. Please refer to the fund s PDS for information about how the performance fee is calculated. (ii) The registered name of each of these funds is different to that shown in this document. For more information, please refer to the fund s PDS. (iii) This investment option will distribute income monthly in cash. The investment option may also pay any realised capital gains and any other distributable. (iv) Investors who have selected a Guarantee may select these funds. (v) Available through Dimensional approved advisers only. Advisers can contact Dimensional on (vi) This investment option has an early withdrawal fee. Refer to the investment option s underlying PDS, available from North Online, for further information. (vii) The investment cost is based on the gross (g) and net (n) assets of the fund. The gross investment cost calculation includes borrowings. (viii) This asset is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed and proceeds returned to the member/investor within 0 days and may take up to 20 days. For an explanation of illiquid investments please refer to Liquidity risk in the North Super and Pension PDS Part A or the North IDPS Guide. Managed investment options In specie transfers In specie transfers allow you to transfer assets held outside of North into your North account. The transfer of asset holdings into North is subject to agreement by the previous fund. You are permitted to transfer any existing holding of these assets, but are not entitled to purchase additional units in these assets. For more information on in specie transfers, please refer to your financial adviser. APIR code Multisector Conservative ADV009AU Advance Defensive Multi Blend Fund /0.0 to BTA080AU BT Wholesale Conservative Outlook Fund / to RIM0002AU Russell Conservative Fund /0. RIM002AU Russell II Portfolio 0. 0./0. to RIM002AU Russell II Portfolio Class B Units /0. to Balanced ADV000AU Advance Balanced Multi Blend Fund 0.8 RFA08AU BT Wholesale Active Balanced Fund / to FSFAU Colonial First State FirstChoice Multi-Index Balanced Fund Class A 0. 0./0. to MPL000AU Maple-Brown Abbott Diversified Trust /0.8 to MMF0AU Onepath Wholesale Managed Growth Trust (i). 0.0/0.0 to RIM000AU Russell Balanced Fund /0.9 to RIM000AU Russell Div 0 Fund Class A Units /0.8 RIM002AU Russell IV Portfolio /0.9 Refer to the notes on page 9.
17 Multisector (continued) Moderately Aggressive ADV008AU Advance Growth Multi Balanced Fund.0 to RIM000AU Russell Growth Fund /0.2 to RIM002AU Russell V Portfolio 0.22/0.2 RIM002AU Russell IV Portfolio Class B Units /0.9 RIM0028AU Russell V Portfolio Class B Units /0.2 to RIM00AU Russell Growth Fund /0.2 to Cash Short Term Fixed Interest SBC082AU UBS Cash Plus Fund /0.0 Credit Mortgages AMP08AU AMP Capital Wholesale Enhanced Yield Fund (viii) 0.8 NML000AU AMP Capital Australian Income Fund.8 NML02AU AMP Capital Wholesale Australian Income Fund. NML0AU AMP Capital Wholesale Australian Monthly Income Fund (viii) 0. to AUS000AU Australian Unity Yield Mortgage Trust. AUS0AU Australian Unity Wholesale Mortgage Income Trust 0.88 JFF0002AU Balmain AQUA Income Trust.2 MMF000AU OnePath Mortgage Trust No 2.8 to HML0002AU OnePath Monthly Income Trust (viii). to PER0002AU Perpetual Monthly Income Fund (viii).0 PER00AU Perpetual Wholesale Monthly Income Fund (viii) 0.9 Fixed Interest Australian Fixed Interest CRS000AU Aberdeen Australian Fixed Interest Fund 0. /0.0 FSF09AU Colonial Income Fund 0.0 MAQ00AU Macquarie Master Fixed Interest Fund /0. MAQ02AU Macquarie True Index Australian Fixed Interest 0.0/0.08 Global Fixed Interest PWA082AU BlackRock International Bond Fund 0. 0/0.2 SBC089AU UBS International Bond Fund /0.0 Property Australian Property APN00AU APN Unlisted Property Fund.0 to WFS00AU Australian Unity Diversified Property Fund. 0.0/0.0 2 CHF000AU Charter Hall Diversified Property Fund 0.8 to CHF0002AU Charter Hall Umbrella Fund (viii) 0. to MAQ08AU Charter Hall Direct Property Fund 0. /2.0 Refer to the notes on page 9.
18 Property (continued) Australian Property (continued) FSF000AU Colonial Property Securities Fund 0.82 PFA000AU PFA Diversified Property Trust to Diversified Property APN000AU APN Property for Income Fund (viii) /0.2 to APN000AU APN Property for Income Fund No.2 (viii) /0.2 to APN000AU APN Diversified Property Fund (viii).0 0.0/0.0 to Australian Equities Income FSF000AU Colonial Wholesale Imputation Fund 0.9 Mid/Small/Micro Cap HHA000AU Hunter Hall Australian Value Trust.8 0.2/0.2 Very PER020AU Pengana Emerging Companies Fund. Large Cap MGL0AU Aberdeen Australian Equities Fund /0.2 PWA082AU BlackRock Australian Share Fund /0.28 HOW009AU Challenger Alphinity Australian Equity Fund FSF009AU Lazard Select Australian Equity Fund (W).0 AJF080AU OnePath Wholesale Australian Share Trust 0./0. PER00AU Perpetual Industrial Share Fund.98 0./0. Very RIM0029AU Russell Australian Opportunities Fund (Class A).9 0./0. SCH0002AU Schroder Australian Equity Fund /0.2 Global Equities Large Cap NML08AU AMP Capital Global Equity Value Fund (W) 0.98 RIM0008AU Russell International Shares Fund (Class A) /0. Regional FID00AU Fidelity China Fund /0.0 Specialist FSF098AU Colonial Wholesale Global Resources Long Short Fund.22 0./0. Very MLC0AU MLC Platinum Global Fund.0 0.2/0.2 Infrastructure Global MAQ0AU Macquarie Global Infrastructure Trust II /0.2 Very Alternatives MAN0009CK Man s Series OM-IP (viii) to MAN00CK Man s OM-IP 220 Ltd Series (viii) MAN00CK Man s OM-IP 220 Ltd Series 8 (viii) to MAN002CK Man s OM-IP 220 Limited Series 0MD (viii) to Refer to the notes on page 9. 8
19 Alternatives (continued) MAN002CK Man s OM-IP Eclipse Limited (viii) to MAN002CK Man s Series 2 OM-IP Seven Limited (viii) MAN000CK Man s OM-IP Vision Ltd (viii) to MAN002CK Man s OM-IP Eclipse (viii) MAN00CK Man s OM-IP (viii) MAN00CK Man s OM-IP AHL Ltd (viii) 2.9 to MAN00CK Man s OM-IP 2AHL Ltd (viii) to MAN009CK Man s OM-IP Eclipse 200 (viii) to Notes: (i) cost is exclusive of any performance fee, however this investment option may charge a performance fee. Please refer to the fund s PDS for information about how the performance fee is calculated. (ii) The registered name of each of these funds is different to that shown in this document. For more information, please refer to the fund s PDS. (iii) This investment option will distribute income monthly in cash. The investment option may also pay any realised capital gains and any other distributable (iv) Investors who have selected a Guarantee may select these funds (v) Available through Dimensional approved advisers only. Advisers can contact Dimensional on (vi) This investment option has an early withdrawal fee. Refer to the investment option s underlying PDS, available from North Online, for further information (vii) The investment cost is based on the gross (g) and net (n) assets of the fund. The gross investment cost calculation includes borrowings. (viii) This asset is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed and proceeds returned to the member/investor within 0 days and may take up to 20 days. For an explanation of illiquid investments please refer to Liquidity risk in the North Super and Pension PDS Part A or the North IDPS Guide. Listed securities You are able to invest in securities listed on the ASX. All listed investment companies and listed property trusts are available for investment. If you are an Investor of North you can invest in any direct equity or unit trusts listed on the ASX. If you are a member of North Personal Super and/or Personal Pension you will be restricted to the following direct securities at the time of purchase: shares listed in the S&P/ASX00 index all LICs, LITs and A-REITs listed on the S&P/ASX all ordinaries index. all hybrids (ie convertible notes and preference shares), where the issuer is listed in the S&P/ASX00 index ETFs and ETCs are limited and must satisfy the Trustee s approval criteria. Refer to pages and for a list of trustee approved ETFs and ETCs as at the date this document was issued. fixed interest securities (ie corporate bonds and floating rate notes) subject to satisfying the Trustee s approval criteria. Refer to page for a list of trustee approved fixed interest securities as at the date this document was issued. certain sub-classes of shares, initial public offerings (IPOs), share purchase plans (SPPs) and other securities in the S&P/ASX00 index that satisfy the Trustee s approval criteria. Securities listed in the S&P/ASX00 are subject to change, impacting the ability to invest in securities that no longer fall in the S&P/ASX00. When purchasing listed securities, additional costs (that are not costs imposed by North) will be incurred. These costs, which include brokerage fees, will be directly debited from your account. If using a third party broker, the cost per transaction varies between brokers and is subject to change. Please refer to the North Super and Pension PDS Part A or North IDPS Guide for further details. Listed securities are not currently available on accounts with a Guarantee. 9
20 Exchange Traded Products The following exchange traded products are available to North Super and Pension members. ASX code Name of ETF or ETC Issuer Australian Broad Based IOZ ishares MSCI Australia 200 ILC ishares S&P/ASX 20 ISO ishares S&P/ASX Small Ordinaries MVW Market Vectors Australian Equal Weight ETF Van Eck Global QOZ BetaShares FTSE RAFI Australia 200 ETF BetaShares Capital Ltd STW SPDR 200 Fund State Street Global Advisors SFY SPDR 0 Fund State Street Global Advisors SSO SPDR S&P/ASX Small Ordinaries Fund State Street Global Advisors VAS Vanguard Australian Shares Index Vanguard s Australia Ltd VSO Vanguard Small Companies Index Vanguard s Australia Ltd YMAX BetaShares Australian Top 20 Equity Yield Maximiser Fund BetaShares Capiral Ltd Australian Sector MVA Market Vectors Australian Property ETF Van Eck Global MVB Market Vectors Australian Banks ETF Van Eck Global SLF SPDR S&P/ASX 200 Listed Property Fund State Street Global Advisors OZF SPDR S&P/ASX 200 Financials ex A-REITS Fund State Street Global Advisors OZR SPDR S&P/ASX 200 Resources Fund State Street Global Advisors VAP Vanguard Australian Property Securities Index ETF Vanguard s Australia Ltd International IAA ishares Asia 0 ETF IBK ishares MSCI BRIC ETF ITW ishares MSCI Taiwan ETF IKO ishares MSCI South Korea Capped ETF IHK ishares MSCI Hong Kong ETF IHOO ishares Global 00 AUD Hedged IHVV ishares S&P 00 AUD Hedged IRU ishares Russell 2000 ETF IZZ ishares China Large-Cap ETF IJP ishares MSCI Japan ETF IEM ishares MSCI Emerging Markets ETF IOO ishares Global 00 ETF IVV ishares Core S&P 00 IJH ishares Core S&P MidCap 00 IJR ishares Core S&P SmallCap 00 IVE ishares MSCI EAFE ETF IEU ishares Europe ETF ISG ishares MSCI Singapore ETF UMAX BetaShares S&P 00 Yield Maximiser Fund (managed fund) BetaShares Capital Ltd VEU Vanguard All-World EX US Shares Index Vanguard s Australia Ltd VGS Vanguard MSCI Index International Shares Vanguard s Australia Ltd VGAD Vanguard MSCI Index International Shares (Hedged) Vanguard s Australia Ltd VTS Vanguard US Total Market Shares Index Vanguard s Australia Ltd 20
21 ASX code Name of ETF or ETC Issuer International (continued) WDIV S&P Global Dividend Fund State Street Global Advisors WEMG S&P Emerging Markets Fund State Street Global Advisors WXHG S&P World Ex Australian Hedged Fund State Street Global Advisors WXOZ S&P World Ex Australian Fund State Street Global Advisors International Sectors DJRE Dow Jones Global Real Estate Fund State Street Global Advisors IXI ishares Global Consumer Staples ETF IXJ ishares Global Healthcare ETF IXP ishares Global Telecom ETF Strategy Focused IHD ishares S&P/ASX Dividend Opportunities ETF QUAL Market Vectors MSCI World ex-australia Quality ETF Van Eck Global RDV Russell Dividend Australian Shares ETF Russell Management Limited RVL Russell Australia Value ETF Russell Management Limited SYI SPDR MSCI Australia Select Dividend Yield Fund State Street Global Advisors VHY Vanguard Australian Shares Yield ETF Vanguard s Australia Ltd Cash & Fixed Income Exposure AAA Betashare Australian Interest cash BetaShares Capital Ltd Very low BOND Australian Bond State Street Global Advisors to GOVT Australian Government Bond State Street Global Advisors to IAF ishares UBS Composite Bond ETF to IGB ishares UBS Treasury ETF ILB ishares UBS Government Inflation Index Fund RCB Russell Australian Select Corporate Bond Russell Management Limited RSM Russell Australian Semi-Government Bond ETF Russell Management Limited to VAF Vanguard Australian Fixed Interest Index Vanguard s Australia Ltd to VGB Vanguard Australian Government Bond Index ETF Vanguard s Australia Ltd Commodity Exposure ETPMAG ETFS Physical Silver ETFS Metal Securities Australia Ltd Very GOLD ETFS Physical Gold ETFS Metal Securities Australia Ltd Very OOO BetaShares Crude Oil Index ETF Currency Hedged (Synthetic) BetaShares Capital Ltd Very 2
22 Fixed interest securities The following assets are available to North Super and Pension members. You will be able to invest in other fixed interest securities that meet the Trustee s eligibility criteria, as notified by us to you. ASX code Issuer Floating rate notes AGKHA AMPHA ANZHA AQHHA BENHB CBAHA CNGHA CWNHA HBSHB MBLHB NABHA NABHB ORGHA TAHHB WBCHA WBCHB WOWHC AGL Energy Limited AMP Limited Term deposits Australia and New Zealand Banking Group APT Pipelines Limited Bendigo and Adelaide Bank Limited Commonwealth Bank of Australia Colonial Holding Company Limited Crown Resorts Limited Heritage Bank Limited Macquarie Group Limited National Australia Bank Limited National Australia Bank Limited Origin Energy Limited Tabcorp Holdings Limited Westpac Banking Corporation Westpac Banking Corporation Woolworths Limited You are able to invest in term deposits with a range of providers as listed below: Adelaide Bank AMP ANZ, and Westpac Please refer to northonline.com.au for the current list of terms and rates. Term deposits are not currently available on accounts with a Guarantee. Current disclosure documents After you become an investor, each time you make additional contributions to a managed investment option you may not have the most recent underlying fund manager PDS or have been notified about material changes or significant events relating to the investment options you have selected. You can access the most up-to-date PDS for the managed investment options you have selected by accessing the North website on northonline.com.au. Fund managers of the managed investment options may notify us from time to time of material changes or significant events that affect an investment option you have selected. We will notify you of these changes as soon as practical through North Online. We will not be responsible for any delays in notifying you of these changes or events where the delay has been caused by a fund manager. If you wish, you may select a different investment option after you have read the up-to-date information; however, regular fees and charges may apply. If you do not notify us that you wish to select a different investment option contributions will continue to be invested in the existing investment option. North Standard Measure About the Standard Measure The Standard Measure (SRM) is a common risk descriptor used by superannuation funds. It is based on guidance from the Australian Prudential Regulation Authority (APRA) to allow investors to compare managed funds that are expected to deliver a similar number of negative annual returns over any 20-year period. We have introduced the SRM in accordance with the recommendations from the Financial Services Council (FSC) and Association of Superannuation Funds of Australia (ASFA). SRM descriptors Each managed fund listed in the North Options document has been assigned a SRM. The table below sets out the SRM labels used for each managed fund based on the estimated number of negative annual returns that a managed fund may experience over any 20-year period. / Label Estimated number of negative annual returns over any 20 year period 2 Very low to medium to high Very high Less than to less than to less than 2 2 to less than to less than to less than or greater For example, managed funds with a risk of have a to risk label and may experience between to less than years of negative annual returns over any 20-year period. 22
23 Limitations The SRM is not a complete assessment of all forms of investment risk and does not replace the need for financial advice when constructing a managed fund portfolio. For instance, it does not detail what the size of a negative return could be or the potential for a positive return to be less than an investor may require to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return. The SRM is not a comprehensive account of the risks of investing and investors should consider these risk labels in conjunction with the different risks of investing that apply to their investments. Investors should still ensure they are comfortable with the risks and potential losses associated with their chosen managed fund(s). Methodology The methodology used for calculating the SRM follows the FSC/ASFA recommendations and is in line with market adopted practices. For full details on the methodology, please visit northonline.com.au. You can also contact your financial adviser or the North Service Centre on for any queries on the methodology. Changes to the SRM For each managed fund, any significant changes to market conditions may alter the SRM from time to time. In addition, any changes to the methodology used (including any regulatory changes) may also alter the SRM results. We will generally review the SRM each year. Differences between each provider s SRM Investors should be aware that the SRM labels used for each managed fund are based on our assessment and may differ to those assigned by other providers. The differences are generally due to the methodology used in calculating the SRM. Important information This is the Options document for the North Personal Superannuation and Pension Fund ( the Fund, also known as North Personal Super and North Personal Pension or Wealth Personal Superannuation and Pension Fund ABN ) and should be considered together with the current North Super and Pension PDS Part A. This document is jointly issued by N.M. Superannuation Proprietary Limited (NM Super) ABN , AFS Licence No. 2, and NMMT Limited (NMMT) ABN , AFS Licence No. 2. This document also forms the Options document for the Investor Directed Portfolio Service (IDPS) known as North. The Operator of the IDPS is NMMT Limited (NMMT). Please refer to each underlying investment manager s PDS for detailed information relating to the underlying managed investment options. PDSs for underlying managed investment options do not constitute an offer or invitation to subscribe to or buy any of the securities offered by the fund managers of investment options. In addition, the fund managers of those investment options have not authorised or caused the issue of this document. The fund managers of those managed investment options, their respective officers, holding companies and trustees do not guarantee the capital invested by members of North Personal Super, North Personal Pension and North IDPS investors or the performance of the plans and investment options generally. The performance, the payment of any particular return or any increase in the value of the assets acquired using the investments listed in this document are not guaranteed in any way. This publication has been prepared to provide general information only and does not take into account the financial objectives, situation or needs of any particular person. It is not intended to take the place of professional advice and you should not take action on specific issues in reliance on this information. Before making an investment decision, you need to consider (with or without the assistance of an adviser) whether this information is appropriate to your needs, objectives and circumstances. Past performance is not necessarily indicative of future performance. Detailed information about the product is contained in the PDS and IDPS Guides. Applications for investment in North products will only be accepted via northonline.com.au. Copies of the PDS and IDPS Guides are available on northonline.com.au or can be obtained by calling (800 NORTH). NMMT Limited, N.M. Superannuation Proprietary Limited and their associates derive income from issuing interests in the product, full details of which are contained in the PDS and IDPS Guides. Unless specifically stated, the repayment of capital or performance of our products are not guaranteed. This information is provided for persons in Australia only and is not provided for the use of any person who is in any other country. 2
/ / 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
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 informationIOOF 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/ / 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 informationAustChoice 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 informationInvestment 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 informationWrap 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 informationKoda 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 informationTransaction 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 informationShares, ETFs and LICs
Living Super, s and s The investment category of ING DIRECT Living Super gives you the freedom and control to invest in shares in the S&P/ASX 200 index and a range of Exchange Traded Funds (s) and Listed
More informationTransaction 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 informationTransaction 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 informationANZ 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 informationAMP 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 informationEscala 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 informationFIRSTCHOICE 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 informationTerm 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 informationOR / (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 informationANZ 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 informationPERPETUAL 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 informationFirstChoice. 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 informationOneAnswer 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 informationMyNorth Investment Options
MyNorth Options Contents Core investment options Select investment options Choice investment options Standard Measure Other important information This document outlines the investment options available
More informationChanges 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 informationINVESTMENT. 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 informationAustralian ETF Report
Australian Report 2015 www.stockspot.com.au invest@stockspot.com.au 1 2 Australian Report - 2015 Contents About this report 4 What are s 6 Types of 8 market summary 10 key stats 10 by sector 12 by issuer
More informationINVESTMENT 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 informationInvesting 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 informationWealthFocus 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 informationAccepted 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 informationFor 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 informationFirstChoice 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 informationFirstChoice 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 informationInvestment 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 informationsgard 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 informationFlexible 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 informationAsgard ewrap Super/Pension List of available investment options
Asgard ewrap Super/Pension List of available investment options Issue date: 7 September 05 This List of Available Options (this List) has been prepared by the Trustee of Asgard ewrap Super/Pension, BT
More informationAsgard Infinity ewrap Super/Pension List of Available Investment Options
Asgard Infinity ewrap Super/Pension List of Available Investment Options Issue date: 7 September 2015 This List of Available Investment Options (this List) has been prepared by the Trustee of Asgard Infinity
More informationMacquarie 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 informationNEW CENTURY CAPITAL PORTFOLIO SCHEDULE OF INVESTMENTS January 31, 2014 (Unaudited)
NEW CENTURY CAPITAL PORTFOLIO SCHEDULE OF INVESTMENTS January 31, 2014 (Unaudited) INVESTMENT COMPANIES - 99.2% Shares Value Large-Cap Funds - 62.3% American Funds AMCAP Fund - Class A 150,931 $ 4,070,619
More informationDistribution 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 informationYour 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 informationManaged Investments Star Ratings 2013 - page 1
Seasoned Investor - Multi-Sector Balanced Multisector Balanced funds are based on a growth asset allocation between 21-60 MER / ICR Colonial First State - FC WS Inv - Diversified Fund 3 FSF0472AU 0.65
More informationWealth 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 informationOptimum. 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 informationOnePath 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 informationMorningstar 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 informationINVESTMENT OPTIONS SEPTEMBER 2015
INVESTMENT OPTIONS SEPTEMBER 2015 1. INVESTMENT OPTIONS SuperLife has a range of investment options. There are managed investment options that target a particular risk/return outcome, Sector Funds that
More informationTABELLA DELLE VARIAZIONI DI PORTAFOGLIO I 20 MAGGIORI ACQUISTI E VENDITE PER COMPARTO (NON SOTTOPOSTI A REVISIONE CONTABILE) (valori espressi in EUR)
US COLLECTION 03-ott-14 Health Care Select Sector SPDR Fund 4.986.027 27-mar-14 Legg Mason Global Funds PLC - ClearBridge U.S. Aggressive Growth Fund 4.831.202 27-mar-14 Legg Mason Global Funds PLC - Royce
More informationMichigan 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 informationLegal & General Portfolio Bond Funds available through Cofunds
L&G Life Aberdeen Asia Pacific & Japan Fund L&G Life Aberdeen Asia Pacific Fund L&G Life Aberdeen Emerging Markets Fund L&G Life Aberdeen Multi-Manager Balanced Managed Fund L&G Life Aberdeen Multi-Manager
More informationETF providers panel: A discussion of advisor experiences
In association with ETF providers panel: A discussion of advisor experiences Moderator: Jonathan Morgan, ASX Panelists: Mark Oliver, BlackRock Amanda Skelly, SSgA Peter Harper, Betashares Paul Chin, Vanguard
More informationMLC 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 informationBT 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 informationLegal & 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 informationBT 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 informationUNIT TRUST Risk Rating
1 * LYXOR ASSET MANAGEMENT ADEQUITY TRUST- LYXOR CHINA A FUND Medium-to-high 2 * LYXOR ASSET MANAGEMENT ADEQUITY TRUST- LYXOR DYNAMIC WATER FUND Medium-to-high 3 * LYXOR ASSET MANAGEMENT ADEQUITY TRUST-
More informationThis document is a Fact Sheet for the Product Disclosure Statement dated 22 May 2010 for Flexible Lifetime - Super and Allocated Pension ( PDS ).
Fact sheet 4 Fees and other costs This document is a Fact Sheet for the Product Disclosure Statement dated 22 May 2010 for Flexible Lifetime - Super and Allocated Pension ( PDS ). CONTENTS PAGE Taxation
More informationBT Personal Portfolio Service. Superannuation and Pension
BT Personal Portfolio Service Superannuation and Pension Annual Report for the year ended 30 June 2015 Contents Recent developments in Superannuation 1 Understanding your investment 4 Understanding the
More informationinvestment managers australian shares
investment managers The multi-manager portfolios provide access to the expertise of specialist investment managers across many different asset classes. Broad diversification can be achieved quickly and
More informationBT 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 informationMERCER PORTFOLIO SERVICE MONTHLY REPORT
MERCER PORTFOLIO SERVICE MONTHLY REPORT MAY 206 Mercer Superannuation (Australia) Limited ABN 79 004 77 533 Australian Financial Services Licence # 235906 is the trustee of the Mercer Portfolio Service
More informationT. Rowe Price Wholesale Plus Global Equity Fund
T. Rowe Price Wholesale Plus Global Equity Fund Product Disclosure Statement ( PDS ) Issued 10 August 2015 ARSN 602 109 357 APIR BTA0538AU Contents 1. About BT Funds Management Limited 2 2. How the Fund
More informationMutual 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 informationInvestment booklet. Issued 1 October 2014
Investment booklet Issued 1 October 2014 The information in this document forms part of the Product Disclosure Statement for Club Plus Super Industry and Personal Division dated 1 October 2014. A Member
More informationSterling 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 informationProduct Update and Continuous Disclosure Notice: Changes to OneAnswer s OnePath Alternatives Growth fund
Product Update and Continuous Disclosure Notice: Changes to OneAnswer s OnePath Alternatives Growth fund SEPTEMBER 0 SEPTEMBER 0 Due to GMO the underlying fund manager no longer accepting additional money,
More informationMLC 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 informationGlobal 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 informationFor personal use only
21 August 2014 Manager ASX Market Announcements Australian Securities Exchange Level 4, 20 Bridge Street Sydney NSW 2000 Client and Market Services Team NZX Limited Level 1, NZX Centre, 11 Cable Street
More informationList of Funds not for Subscription via Hang Seng e-banking (as of 23 Dec 2015)
IMPORTANT RISK WARNINGS / NOTES Investors should note that investment involves risks (including the possibility of loss of the capital invested), prices of fund units may go up as well as down and past
More informationSelect Growth Portfolio - Current Portfolio Holdings as at 30 September 2014
Select Growth Portfolio - Current Portfolio Holdings as at 30 September 2014 ASSET CLASS Examples of Managers Select Growth Portfolio Cash n/a 6.7% Australian Fixed Interest Ardea 3.5% International Fixed
More informationHelping you save for tomorrow
North Investment Investor Directed Portfolio Service Guide and Financial Services Guide Helping you save for tomorrow Issue Number 7, 1 July 2014 To be read in conjunction with North Investment Guarantee
More informationpart 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 informationTABELLA DELLE VARIAZIONI DI PORTAFOGLIO I 20 MAGGIORI ACQUISTI E VENDITE PER COMPARTO (valori espressi in EUR)
US COLLECTION 15-giu-15 Vulcan Value Equity Fund 19.852.107 16-giu-15 Conventum - Lyrical Fund 19.400.664 15-mag-15 Davis Funds SICAV - Davis Value Fund 13.292.807 18-mag-15 Davis Funds SICAV - Davis Value
More informationIssued ₁ July ₂₀₁₅. AMP Growth Bond. Product disclosure statement. This document is issued by AMP Life Limited ABN 84 079 300 379, AFSL No. 233671.
Issued ₁ July ₂₀₁₅ AMP Growth Bond Product disclosure statement This document is issued by AMP Life Limited ABN 84 079 300 379, AFSL No. 233671. Contents About the AMP Growth Bond Features at a glance
More informationINVESTMENT SERVICES - PRODUCTS OFFERED - July 2012*
Mutual Funds We make available to you a choice of over 270 mutual funds offered by more than 15 fund managers. Our endeavour is to provide you suitable investment solutions through wide range of investment
More informationSuncorp 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 informationINTRODUCTION TO BETASHARES YIELD MAXIMISER FUNDS ASX CODE: YMAX (Australian Equities) & UMAX (US Equities)
ASX CODE: YMAX (Australian Equities) & UMAX (US Equities) www.betashares.com.au One of the more enduring investment themes in recent times has been the desire for income combined with less volatility.
More informationMLC 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 informationHalf Year Financial Results
16 August 2012 Manager ASX Market Announcements Australian Securities Exchange Level 4, 20 Bridge Street Sydney NSW 2000 Manager Market Information Services Section New Zealand Stock Exchange Level 24,
More informationPRUCO LIFE INSURANCE COMPANY PRUCO LIFE FLEXIBLE PREMIUM VARIABLE ANNUITY ACCOUNT
GENPRODSUP6 PRUCO LIFE INSURANCE COMPANY PRUCO LIFE FLEXIBLE PREMIUM VARIABLE ANNUITY ACCOUNT PRUCO LIFE INSURANCE COMPANY OF NEW JERSEY PRUCO LIFE OF NEW JERSEY FLEXIBLE PREMIUM VARIABLE ANNUITY ACCOUNT
More informationFUND HOUSES List of Funds. Aberdeen International Fund Managers Limited
FUND HOUSES List of Funds Aberdeen International Fund Managers Limited Aberdeen Global - Asia Pacific Equity Fund (USD) A2 Aberdeen Global - Asian Smaller Companies Fund (USD) A2 Aberdeen Global - Chinese
More informationEquity 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 informationPERPETUAL WHOLESALE FUNDS Supplementary Product Disclosure Statement
PERPETUAL WHOLESALE FUNDS Supplementary Product Disclosure Statement ABOUT THIS SUPPLEMENTARY PRODUCT DISCLOSURE STATEMENT This Supplementary Product Disclosure Statement number 1 (SPDS1) is to be read
More informationHow To Invest In Vanguard Index Funds (International)
Michael Lovett Head of Distribution Vanguard The low cost revolution 3 ETF growth in Australia Value in A$m 16,000 14,000 12,000 10,000 8,000 6,000 4,000 2,000 Aus Market Cap: $15,925,100,000 bn # of Aus
More informationDimensional vs. ETF After-Tax Comparison
Dimensional vs. ETF After-Tax Comparison Data as of March 31, 2014 This information is provided for institutional investors and registered investment advisors, and is not intended for public use. Dimensional
More informationTerm 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 informationSymetry Personal Retirement Fund
Issued by: Avanteos Investments Limited (AIL) ABN 20 096 259 979, AFSL 245531 as trustee for the Symetry Personal Retirement Fund ABN 24 685 968 122, RSE L0002691, Registration R1056600 Unique Superannuation
More informationStrategy 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 informationEquity 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 informationPERPETUAL PRIVATE SUPER WRAP
PERPETUAL PRIVATE SUPER WRAP Product Disclosure Statement PRODUCT DISCLOSURE STATEMENT Issue number 4 dated 2 February 2015 Issued by Perpetual Superannuation Limited ABN 84 008 416 831 AFSL 225246 RSE
More informationIndividual 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 informationThe Executive Superannuation Fund
The Executive Superannuation Fund ANNUAL REPORT KPMG STAFF SUPERANNUATION PLAN FOR THE YEAR ENDING 30 JUNE 2012 Important Information The issuer and Trustee of The Executive Superannuation Fund (ABN: 60
More informationFinancial Services and Credit Guide
Financial Services and Credit Guide Why this guide is important to you This Guide explains the services we provide, as well as giving you important information that will help you decide if you want to
More informationOneAnswer. Investment Funds Guide
OneAnswer Investment Funds Guide July 0 Investment Portfolio The whole of this OneAnswer Investment Funds Guide forms Part Two of the Product Disclosure Statement (PDS) for: OneAnswer Frontier Investment
More informationAN INTRODUCTION TO ishares EXCHANGE TRADED FUNDS REPLACED
AN INTRODUCTION TO ishares EXCHANGE TRADED FUNDS IMAGE TO BE REPLACED What are ishares ETFs? ishares IS THE WORLD LEADER IN EXCHANGE TRADED FUNDS ishares exchange traded funds (ETFs) blend the benefits
More informationSterling 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 informationSterling 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 informationAspire 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