Investment Options
Risk
Risk is represented by its Standard Risk Measure (SRM), which enables you to compare investments that are expected to deliver a similar number of negative annual returns over any 20-year period.
Strategy
Diversified options invest across multiple asset classes, while sector-specific funds invest in a single asset class, eg. Australian Equities, Fixed Income.
- Diversified
- Sector
Style
Active investments are those that ‘actively’ try to out-perform their fund’s underlying performance benchmark, while passive investments aim to replicate the performance of an index.
- Active
- Passive
Investment Option
Underlying Managed Fund (UMF)
strategy
Style
Risk
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 29 February 2024 (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: 1.23%
Buy / sell costs: 0.15% / 0.15%
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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 29 February 2024 (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%
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 using RI principles. The Fund invests about 80% of its assets in Australian Equities and about 20% in International Equities.
Annualised performance as at 29 February 2024 (net of fees and taxes)
Underlying performance benchmark: S&P/ASX 300 Accumulation Index
Total Management Fees per annum: 1.30%
Buy / sell costs: 0.18% / 0.18%
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 29 February 2024 (net of fees and taxes)
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: 0.10% / 0.10%
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 29 February 2024 (net of fees and taxes)
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: 0.10% / 0.10%
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 29 February 2024 (net of fees and taxes)
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: 0.09% / 0.09%
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 29 February 2024 (net of fees and taxes)
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: 0.08% / 0.08%
Investment Objective
To outperform the Portfolio's benchmark, before fees, over 3 year periods, by actively managing the Trust. This includes changing the Trust's asset allocation to capitalise on investment opportunities or reduce risk if market risk is high.
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 29 February 2024 (net of fees and taxes)
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: 1.26%
Buy / sell costs: 0.10% / 0.10%
Investment Objective
To outperform the Portfolio's benchmark, before fees, over 3 year periods, by actively managing the Trust. This includes changing the Trust's asset allocation to capitalise on investment opportunities or reduce risk if market risk is high.
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 29 February 2024 (net of fees and taxes)
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: 1.28%
Buy / sell costs: 0.10% / 0.10%
Investment Objective
To outperform the Portfolio's benchmark, before fees, over 4 year periods, by actively managing the Trust. This includes changing the Trust's asset allocation to capitalise on investment opportunities or reduces risk if market risk is high.
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 29 February 2024 (net of fees and taxes)
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: 1.32%
Buy / sell costs: 0.10% / 0.10%
Investment Objective
To outperform the Portfolio's benchmark, before fees, over 5 years periods, by actively managing the Trust. This includes changing the Trust's asset allocation to capitalise on investment opportunities or reduce risk if market risk is high.
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 29 February 2024 (net of fees and taxes)
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: 1.35%
Buy / sell costs: 0.10% / 0.10%
Investment Objective
Investment Strategy
The Fund aims to provide a total return, consisting of capital appreciation and income, by gaining exposure to a diversified portfolio of companies and real estate securities listed on developed and emerging markets, and domestic and international fixed interest securities. The Fund will seek to target approximately 50% exposure to equities and 50% exposure to fixed interest assets.
Annualised performance as at 29 February 2024 (net of fees and taxes)
Actual historical performance of the Dimensional World Allocation 50/50 Trust, as at date indicated above.
Buy/ Sell costs: 0.08% /0.08%
Investment Objective
Investment Strategy
The Fund aims to provide a total return, consisting of capital appreciation and income, by gaining exposure to a diversified portfolio of companies and real estate securities listed on developed and emerging markets, and domestic and international fixed interest securities. The Fund will seek to target approximately 70% exposure to equities and 30% exposure to fixed interest assets.
Annualised performance as at 29 February 2024 (net of fees and taxes)
Actual historical performance of the Dimensional World Allocation 70/30 Trust, as at date indicated above.
Total and Management per annum: 0.99%
Buy/ Sell costs: 0.10% /0.10%
Investment Objective
To outperform the All-Groups CPI + 4.5% pa and a composite benchmark reflecting its allocation to the various asset types, both before fees and taxes over rolling three-year periods.
Investment Strategy
The Fund aims to provide long-term capital growth and income through investment in a diversified portfolio of growth and income assets.
Annualised performance as at 29 February 2024 (net of fees and taxes)
Actual historical performance of the Perpetual Wholesale Diversified Growth Fund, as at date indicated above.
Buy/ Sell costs: 0.26% /0%
Investment Objective
Investment Strategy
The Fund is designed for long term capital growth and income, diversification across a broad range of asset classes and may exhibit a higher variability of returns. TheFund has a significant weighting towards growth assets.
Annualised performance as at 29 February 2024 (net of fees and taxes)
Actual historical performance of the Pendal High Growth Fund, as at date indicated above.
Buy/ Sell costs: 0.19% /0.19%
Investment Objective
Investment Strategy
The Fund aims to provide a total return, consisting of capital appreciation and income, by gaining exposure to a diversified portfolio of securities listed on developed and emerging markets, and domestic and international fixed interest securities. Exposure is adjusted to take into account certain environmental and sustainability impact and social considerations. The Fund will seek to target approximately 70% exposure to equities and 30% exposure to fixed interest assets.
Annualised performance as at 29 February 2024 (net of fees and taxes)
Actual historical performance of the Dimensional Sustainability World Allocation 70/30 Trust, as at date indicated above.
Total and Management per annum: 0.99%
Buy/ Sell costs: 0.10% /0.10%
Investment Objective
Investment Strategy
Annualised performance as at 29 February 2024 (net of fees and taxes)
Buy/ Sell costs: 0.14% /0.14%
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 29 February 2024 (net of fees and taxes)
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: 0.83%
Buy / sell costs: 0.08% / 0.08%
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 29 February 2024 (net of fees and taxes)
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: 0.05% / 0.05%
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 29 February 2024 (net of fees and taxes)
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: 0.06% / 0.06%
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 29 February 2024 (net of fees and taxes)
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: 1.10%
Buy / sell costs: 0.22% / 0.22%
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 29 February 2024 (net of fees and taxes)
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: 0.06% / 0.06%
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 29 February 2024 (net of fees and taxes)
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: 0.07% / 0.07%
Investment Objective
To track the return of the Bloomberg Barclays Global Aggregate Index (AUD Hedged) before taking into account fees, expenses and tax.
Investment Strategy
The Fund invests in high-quality, income-generating securities issued by governments, government-owned entities, government-guaranteed entities, investment-grade corporate issues and securitised assets from around the world. The Fund is hedged to Australian dollars.
Annualised performance as at 29 February 2024 (net of fees and taxes)
Actual historical performance of the Vanguard Global Aggregate Bond Index Fund (Hedged), as at date indicated above.
Buy/ Sell costs: 0.13% /0.13%
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 29 February 2024 (net of fees and taxes)
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%
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 29 February 2024 (net of fees and taxes)
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: 1.07%
Buy / sell costs: 0% / 0.05%
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 29 February 2024 (net of fees and taxes)
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%
Investment Objective
To seek capital appreciation over the longer term by investing in the MFS Global Equity Trust. The Trust is hedged to the Australian dollar and aims to outperform its Benchmark over full market cycle, before fees, taxes and expenses.
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 29 February 2024 (net of fees and taxes)
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: 0.15% / 0.15%
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 29 February 2024 (net of fees and taxes)
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: 1.36%
Buy / sell costs: 0.35% / 0.35%
Investment Objective
To achieve maximum total return by investing in fixed interest securities predominantly denominated in Global
currencies and hedged in Australian dollars.
Investment Strategy
Annualised performance as at 29 February 2024 (net of fees and taxes)
Actual historical performance of the PIMCO Global Bond Fund (Hedged), as at date indicated above.
Buy/ Sell costs: 0% /0.05%
Investment Objective
To outperform the benchmark (before fees and taxes) over rolling three-year periods.
Investment Strategy
The Fund aims to provide long-term capital growth and regular income through investment in quality shares of Australian ethical and socially responsible companies.
Annualised performance as at 29 February 2024 (net of fees and taxes)
Actual historical performance of the Perpetual Wholesale Ethical SRI Fund, as at date indicated above.
Total and Management per annum:1.45%
Buy/ Sell costs: 0.15% /0.15%
Investment Objective
Investment Strategy
The Fund provides the opportunity to invest in a diversified share portfolio of companies selected on the basis of their social, environmental and financial credentials. The Fund has a bias towards smaller capitalisation stocks listed on the ASX.
Annualised performance as at 29 February 2024 (net of fees and taxes)
Actual historical performance of the Australian Ethical Australian Shares Fund (Wholesale), as at date indicated above.
Total and Management per annum:1.40%
Buy/ Sell costs: 0.15% /0.15%
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