Tailor your investment strategy

With 22 Investment Options, you have the choice and flexibility to tailor your investment strategy to suit your individual circumstances

Investment Options

Clear

Name

Investment manager

strategy

Style

Risk

Futurity Managed & Blended – Balanced Portfolio (FM1)

Investment manager

Futurity Investment Group

strategy

Diversified

Style

Active

Risk

4

Futurity_281_x_100

Investment Objective

To outperform (before fees and tax) the balanced portfolio asset class mix based upon the long-term strategic asset allocation of the Fund.

Investment Strategy

To construct investment portfolios aimed for stable and reliable returns, without taking excessive risk, over the long-term. A key focus is the Fund’s diversified long-term strategic asset allocation amongst asset classes, investment managers risk types and individual securities.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Underlying performance benchmark: Balanced portfolio composite index based upon the long-term strategic asset allocation of the Fund.

Total Management Fees per annum: 1.19%

Buy / sell costs: 0.15% / 0.15%

Futurity Managed & Blended – Growth Portfolio (FM2)

Investment manager

Futurity Investment Group

strategy

Diversified

Style

Active

Risk

5

Futurity_281_x_100

Investment Objective

To outperform (before fees and tax) the growth portfolio asset class mix based upon the long-term strategic asset allocation of the Fund.

Investment Strategy

To construct investment portfolios aimed for stable and reliable returns, without taking excessive risk, over the long-term. A key focus is the Fund’s diversified long-term strategic asset allocation among asset classes,investment managers risk types and individual securities.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Underlying performance benchmark: Growth portfolio composite index based upon the long‑term strategic asset allocation of the Fund

Total Management Fees per annum: 1.25%

Buy / sell costs: 0.18% / 0.18%

Futurity Managed & Blended – Socially Responsible Investing Portfolio (FM3)

Investment manager

Futurity Investment Group

strategy

Diversified

Style

Active

Risk

6

Futurity_281_x_100

Investment Objective

To outperform (before fees and tax) the S&P/ASX 300 Accumulation Index over the medium to long-term.

Investment Strategy

To construct a multi-manager blend of underlying managed funds that invest in socially responsible companies. The Fund invests about 80% of its assets in Australian Equities and about 20% in Global Equities.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Underlying performance benchmark: S&P/ASX 300 Accumulation Index

Total Management Fees per annum: 1.39%

Buy / sell costs: 0.18% / 0.18%

Futurity Diversified Indexed – Conservative (DP1)

Investment manager

Vanguard

strategy

Diversified

Style

Passive

Risk

3

Vanuguard_281_x_100

Investment Objective

This UMF seeks to track the weighted average return of the various indices of the underlying funds in which it invests, in proportion to the Strategic Asset Allocation.

Investment Strategy

The Fund provides low-cost access to a range of sector funds, offering broad diversification across multiple asset classes. The Conservative Fund targets a 70% allocation to income asset classes and a 30% allocation to growth asset classes, and is for investors with a low tolerance for risk.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, Vanguard Conservative Index Fund, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the Vanguard Conservative Index Fund as at indicated above.

Underlying performance benchmark: Conservative composite index based upon the long-term strategic asset allocation of the Fund.

Total Management Fees per annum: 0.90%

Buy / sell costs: 0.11% / 0.11%


Futurity Diversified Indexed – Balanced (DP2)

Investment manager

Vanguard

strategy

Diversified

Style

Passive

Risk

4

Vanuguard_281_x_100

Investment Objective

This UMF seeks to track the weighted average return of the various indices of the underlying funds in which it invests, in proportion to the Strategic Asset Allocation.

Investment Strategy

The Fund provides low-cost access to a range of sector funds, offering broad diversification across multiple asset classes. The Balanced Fund targets a 50% allocation to income asset classes and a 50% allocation to growth asset classes, and is for investors with a balanced tolerance for risk.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, Vanguard Balanced Index Fund, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the Vanguard Balanced Index Fund as at indicated above.

Underlying performance benchmark: Balanced composite index based upon the long-term strategic asset allocation of the Fund.

Total Management Fees per annum: 0.90%

Buy / sell costs: 0.11% / 0.11%


Futurity Diversified Indexed – Growth (DP3)

Investment manager

Vanguard

strategy

Diversified

Style

Passive

Risk

5

Vanuguard_281_x_100

Investment Objective

This UMF seeks to track the weighted average return of the various indices of the underlying funds in which it invests, in proportion to the Strategic Asset Allocation.

Investment Strategy

The Fund provides low-cost access to a range of sector funds, offering broad diversification across multiple asset classes. The Growth Fund targets a 30% allocation to income asset classes and a 70% allocation to growth asset classes, and is for investors seeking capital growth.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, Vanguard Growth Index Fund, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the Vanguard Growth Index Fund as at indicated above.

Underlying performance benchmark: Growth composite index based upon the long-term strategic asset allocation of the Fund.

Total Management Fees per annum: 0.90%

Buy / sell costs: 0.10% / 0.10%



Futurity Diversified Indexed – High Growth (DP4)

Investment manager

Vanguard

strategy

Diversified

Style

Passive

Risk

6

Vanuguard_281_x_100

Investment Objective

This UMF seeks to track the weighted average return of the various indices of the underlying funds in which it invests, in proportion to the Strategic Asset Allocation.

Investment Strategy

The Fund provides low-cost access to a range of sector funds, offering broad diversification across multiple asset classes. The High Growth Fund targets a 10% allocation to income asset classes and a 90% allocation to growth asset classes, and is for investors with a high tolerance for risk.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, Vanguard High Growth Index Fund , has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the Vanguard High Growth Index Fund as at indicated above.

Underlying performance benchmark: High Growth composite index based upon the long-term strategic asset allocation of the Fund.

Total Management Fees per annum: 0.90%

Buy / sell costs: 0.10% / 0.10%


Futurity Diversified Active - Conservative (DA1)

Investment manager

MLC

strategy

Diversified

Style

Active

Risk

3

MLC_281_x_100

Investment Objective

To outperform the Portfolio’s benchmark, before fees, over 3 year periods by actively managing and changing the Portfolio’s asset allocation to reduce risk if market risk is high. MLC does not manage the Portfolio to achieve a particular return above inflation, however, an average return of 3.5% pa above inflation (before fees) is consistent with historical long-term returns from investment markets, using an asset allocation similar to the Portfolio’s.

Investment Strategy

Investment markets are the main driver of the Portfolio’s investment returns. Its benchmark asset allocation has a strong bias to defensive assets and some exposure to growth assets. MLC’s investment experts actively look for opportunities for better returns with less risk, than the Portfolio’s benchmark.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, MLC Wholesale Horizon 2 Income Portfolio, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the MLC Wholesale Horizon 2 Income Portfolio as at indicated above.

Underlying performance benchmark: A combination of market indices, weighted according to the benchmark asset allocation. For more information, see mlcam.com.au/MLCWholesale/pds.

Total Management Fees per annum: 1.27%

Buy / sell costs: 0.05% / 0.05%


Futurity Diversified Active – Balanced (DA2)

Investment manager

MLC

strategy

Diversified

Style

Active

Risk

4

MLC_281_x_100

Investment Objective

To outperform the Portfolio’s benchmark, before fees, over 3 year periods by actively managing and changing the Portfolio’s asset allocation to reduce risk if market risk is high. MLC does not manage the Portfolio to achieve a particular return above inflation, however, an average return of 4.25% pa above inflation (before fees) is consistent with historical long-term returns from investment markets, using an asset allocation similar to the Portfolio’s.

Investment Strategy

Investment markets are the main driver of the Portfolio’s investment returns. Its benchmark asset allocation has an approximately equal exposure to growth and defensive assets. MLC’s investment experts actively look for opportunities for better returns with less risk, than the Portfolio’s benchmark.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, MLC Wholesale Horizon 3 Conservative Growth Portfolio, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the MLC Wholesale Horizon 3 Conservative Growth Portfolio as at indicated above.

Underlying performance benchmark: A combination of market indices, weighted according to the benchmark asset allocation. For more information, see mlcam.com.au/MLCWholesale/pds.

Total Management Fees per annum: 1.33%

Buy / sell costs: 0.10% / 0.05%


Futurity Diversified Active – Growth (DA3)

Investment manager

MLC

strategy

Diversified

Style

Active

Risk

5

MLC_281_x_100

Investment Objective

To outperform the Portfolio’s benchmark, before fees, over 3 year periods by actively managing and changing the Portfolio’s asset allocation to reduce risk if market risk is high. MLC does not manage the Portfolio to achieve a particular return above inflation, however, an average return of 4.75% pa above inflation (before fees) is consistent with historical long-term returns from investment markets, using an asset allocation similar to the Portfolio’s.

Investment Strategy

Investment markets are the main driver of the Portfolio’s investment returns. Its benchmark asset allocation has a strong bias to growth assets and some exposure to defensive assets. MLC’s investment experts actively look for opportunities for better returns with less risk, than the Portfolio’s benchmark.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, MLC Wholesale Horizon 4 Balanced Portfolio, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the MLC Wholesale Horizon 4 Balanced Portfolio as at indicated above.

Underlying performance benchmark: A combination of market indices, weighted according to the benchmark asset allocation. For more information, see mlcam.com.au/MLCWholesale/pds.

Total Management Fees per annum: 1.37%

Buy / sell costs: 0.10% / 0.10%


Futurity Diversified Active – High Growth (DA4)

Investment manager

MLC

strategy

Diversified

Style

Active

Risk

6

MLC_281_x_100

Investment Objective

To outperform the Portfolio’s benchmark, before fees, over 3 year periods by actively managing and changing the Portfolio’s assetallocation to reduce risk if market risk is high. MLC does not manage the Portfolio to achieve a particular return above inflation, however, an average return of 5.25% pa above inflation (before fees) is consistent with historical long-term returns from investment markets, using an asset allocation similar to the Portfolio’s

Investment Strategy

Investment markets are the main driver of the Portfolio’s investment returns. Its benchmark asset allocation invests predominantly in growth assets with a small exposure to defensive assets. MLC’s investment experts actively look for opportunities for better returns with less risk, than the Portfolio’s benchmark.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, MLC Wholesale Horizon 5 Growth Portfolio, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the MLC Wholesale Horizon 5 Growth Portfolio as at indicated above.

Underlying performance benchmark: A combination of market indices, weighted according to the benchmark asset allocation. For more information, see mlcam.com.au/MLCWholesale/pds.

Total Management Fees per annum: 1.40%

Buy / sell costs: 0.11% / 0.10%


Futurity Sectoral Indexed – Australian Fixed Income (SP1)

Investment manager

Vanguard

strategy

Sector

Style

Passive

Risk

2

Vanuguard_281_x_100

Investment Objective

To track the return of the Bloomberg AusBond Composite 0+Yr Index before taking into account fees, expenses and tax.

Investment Strategy

The Fund invests in high-quality, income-generating securities issued by the Commonwealth Government of Australia, Australian State Government authorities and treasury corporations, as well as investment-grade corporate issuers.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, Vanguard Australian Fixed Interest Index Fund, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the Vanguard Australian Fixed Interest Index Fund,as at indicated above.

Underlying performance benchmark: Bloomberg AusBond Composite 0+ Yr Index

Total Management Fees per annum: 0.87%

Buy / sell costs: 0.10% / 0.10%


Futurity Sectoral Indexed – Australian Equities (SP2)

Investment manager

Vanguard

strategy

Sector

Style

Passive

Risk

6

Vanuguard_281_x_100

Investment Objective

To track the return of the S&P/ASX 300 Index before taking into account fees, expenses and tax.

Investment Strategy

The Fund provides low cost, broadly diversified exposure to Australian companies and property trusts listed on the Australian Securities Exchange. It also offers potential long-term capital growth along with dividend income and franking credits.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, Vanguard Australian Shares Index Fund, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the Vanguard Australian Shares Index Fund as at indicated above.

Underlying performance benchmark: S&P/ASX 300 Accumulation Index

Total Management Fees per annum: 0.81%

Buy / sell costs: 0.06% / 0.06%


Futurity Sectoral Indexed – International Equities (SP3)

Investment manager

Vanguard

strategy

Sector

Style

Passive

Risk

6

Vanuguard_281_x_100

Investment Objective

To track (before fees, expenses and tax) the return of the MSCI World ex-Australia (with net dividends reinvested) hedged into Australian dollars Index.

Investment Strategy

The Fund provides exposure to many of the world’s largest companies listed in major developed countries. It offers low-cost access to a broadly diversified range of securities that allows investors to participate in the long-term growth potential of international economies outside Australia. The Fund is hedged to Australian dollars so the value of the Fund is relatively unaffected by currency fluctuations.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, Vanguard International Shares Index Fund – Hedged, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the Vanguard International Shares Index Fund – Hedged as at indicated above.

Underlying performance benchmark: MSCI World ex-Australia (with net dividends reinvested) hedged into Australian dollars Index.

Total Management Fees per annum: 0.85%

Buy / sell costs: 0.09% / 0.09%


Futurity Sectoral Indexed – Emerging Market Equities (SP4)

Investment manager

Vanguard

strategy

Sector

Style

Passive

Risk

7

Vanuguard_281_x_100

Investment Objective

To track (before fees, expenses and tax) the return of the MSCI World ex-Australia (with net dividends reinvested) hedged into Australian dollars Index.

Investment Strategy

The Fund provides low-cost exposure to companies listed in emerging markets, allowing investors to participate in the long-term growth potential. It is exposed to the fluctuating values of foreign currencies, as there is no hedging to the Australian dollar.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, Vanguard Emerging Markets Shares Index Fund, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the Vanguard Emerging Markets Shares Index Fund as at indicated above.

Underlying performance benchmark: MSCI Emerging Markets Index (with net dividends reinvested) in AUD

Total Management Fees per annum: 1.09%

Buy / sell costs: 0.25% / 0.25%


Futurity Sectoral Indexed – Property (SP5)

Investment manager

Vanguard

strategy

Sector

Style

Passive

Risk

6

Vanuguard_281_x_100

Investment Objective

To track the return of the S&P/ASX 300 A-REIT Index before taking into account fees, expenses and tax.

Investment Strategy

The Fund provides a low-cost way to invest in property securities listed on the Australian Securities Exchange. The property sectors in which the Fund invests include retail, office, industrial and diversified.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, Vanguard Australian Property Securities Index Fund, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the Vanguard Australian Property Securities Index Fund as at indicated above.

Underlying performance benchmark: S&P/ASX 300 A-REIT Index

Total Management Fees per annum: 0.86%

Buy / sell costs: 0.07% / 0.07%


Futurity Sectoral Indexed – Socially Responsible Investing (SP6)

Investment manager

Vanguard

strategy

Sector

Style

Passive

Risk

6

Vanuguard_281_x_100

Investment Objective

To track (before fees, expenses and tax) the return of the FTSE Developed ex Australia ex Non-renewable Energy, Vice Products and Weapons Index in Australian dollars.

Investment Strategy

The Fund provides exposure to many of the world’s largest companies listed in major developed countries. It offers low-cost access to a broadly diversified range of securities that excludes companies with significant business activities involving fossil fuels, alcohol, tobacco, gambling, military weapons and civilian firearms,nuclear power and adult entertainment. The Fund is exposed to the fluctuating values of foreign currencies, as there will not be any hedging of foreign currencies to the Australian dollar.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, Vanguard Ethically Conscious International Shares Index Fund –Global Equities, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the Vanguard Ethically Conscious International Shares Index Fund –Global Equities as at indicated above.

Underlying performance benchmark: FTSE Developed ex Australia ex Non-renewable Energy, Vice Products and Weapons in AUD (with net dividends reinvested) Index.

Total Management Fees per annum: 0.84%

Buy / sell costs: 0.08% / 0.08%


Futurity Sectoral Active – Cash (SA1)

Investment manager

First Sentier

strategy

Sector

Style

Active

Risk

1

FirstSentier_281_x_100

Investment Objective

To outperform (before tax and fees) the returns of Australian money markets over rolling two year periods as measured by the Reserve Bank of Australia cash rate.

Investment Strategy

The Fund invests in high quality money market securities, with short-term maturities, to achieve a stable income stream. The Fund invests in assets that offer value-for-risk by taking into account economic analysis and market trends. Derivatives may be used for risk management.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, Colonial First State Wholesale Institutional Cash Fund, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the Colonial First State Wholesale Institutional Cash Fund, as at indicated above.

Underlying performance benchmark: Reserve Bank of Australia cash rate

Total Management Fees per annum: 0.46%

Buy / sell costs: 0% / 0%


Futurity Sectoral Active – Australian Fixed Income (SA2)

Investment manager

PIMCO

strategy

Sector

Style

Active

Risk

2

PIMCO_281_x_100

Investment Objective

To achieve maximum total return by investing in fixed interest securities predominantly denominated in Australian or New Zealand currencies.

Investment Strategy

The Fund emphasises active decision making with a long-term focus and seeks to avoid extreme swings in duration or maturity with a view to create a steady stream of returns.




Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, PIMCO Australian Bond Fund, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the PIMCO Australian Bond Fund as at indicated above.

Underlying performance benchmark: Bloomberg AusBond Composite 0+ Yr Index

Total Management Fees per annum: 1.05%

Buy / sell costs: 0% / 0.10%


Futurity Sectoral Active – Australian Equities (SA3)

Investment manager

AllianceBernstein

strategy

Sector

Style

Active

Risk

6

AllianceBernstiein_281_x_100

Investment Objective

To achieve returns that exceed the S&P/ASX 300 Accumulation Index after fees over the medium to long term.

Investment Strategy

The Fund implements a managed volatility equities strategy that aims to reduce volatility by identifying, and investing in, high quality listed equity securities that have reasonable valuations, high quality cash flows and relatively stable share prices.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, AllianceBernstein Managed Volatility Equities Fund – MVE Class, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the AllianceBernstein Managed Volatility Equities Fund – MVE Class as at indicated above.

Underlying performance benchmark: S&P/ASX 300 Accumulation Index

Total Management Fees per annum: 0.95%

Buy / sell costs: 0.25% / 0.25%


Futurity Sectoral Active – International Equities (SA4)

Investment manager

MFS

strategy

Sector

Style

Active

Risk

6

MFS_281_x_100

Investment Objective

To seek capital appreciation over the longer term by investing in the MFS Global Equity Trust. The Trust is fully hedged to the Australian dollar.

Investment Strategy

The Trust, through fundamental analysis, seeks to invest in companies with sustainable above-average growth prospects at reasonable valuations.


Annualised performance as at 31 August 2021 (net of fees and taxes)


Longer term performance information for the UMF, MFS Fully Hedged Global Equity Trust, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the MFS Fully Hedged Global Equity Trust as at indicated above.

Underlying performance benchmark: MSCI World Index fully hedged in AUD

Total Management Fees per annum: 1.26%

Buy / sell costs: 0.25% / 0.25%


Futurity Sectoral Active – Emerging Market Equities (SA5)

Investment manager

MFS

strategy

Sector

Style

Active

Risk

7

MFS_281_x_100

Investment Objective

To outperform (before fees and expenses) its Benchmark over a full market cycle by investing in a diversified portfolio of global shares.

Investment Strategy

The Trust invests in companies in, or significantly exposed to, Emerging Markets economies that are believed to have sustainable revenue, earnings and cash flow growth, as well as strong management teams.


Annualised performance as at 31 August 201 (net of fees and taxes)


Longer term performance information for the UMF, MFS Emerging Markets Equity Trust, has been provided to complement our current 1 year of actual performance. Please note this information is quoted before fees and 30% portfolio tax.

Actual historical performance of the MFS Emerging Markets Equity Trust as at indicated above.

Underlying performance benchmark: MSCI Emerging Market Index

Total Management Fees per annum: 1.33%

Buy / sell costs: 0.35% / 0.35%


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