Investment Options

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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.

Very Low Risk Very High Risk

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

Vanguard Conservative Index Fund (IB01)

Underlying Managed Fund (UMF)

Vanguard Conservative Index Fund

strategy

Diversified

Style

Active

Risk

3

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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.64%

Buy / sell costs: 0.09% / 0.09%

Vanguard Balanced Index Fund (IB02)

Underlying Managed Fund (UMF)

Vanguard Balanced Index Fund

strategy

Diversified

Style

Active

Risk

4

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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.64%

Buy / sell costs: 0.09% / 0.09%

Vanguard Growth Index Fund (IB03)

Underlying Managed Fund (UMF)

Vanguard Growth Index Fund

strategy

Diversified

Style

Active

Risk

5

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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.64%

Buy / sell costs: 0.08% / 0.08%

Vanguard High Growth Index Fund (IB04)

Underlying Managed Fund (UMF)

Vanguard High Growth Index Fund

strategy

Diversified

Style

Active

Risk

6

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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.64%

Buy / sell costs: 0.07% / 0.07%

Vanguard Diversified All Growth Index ETF (IB05)

Underlying Managed Fund (UMF)

Vanguard Diversified All Growth Index ETF

strategy

Diversified

Style

Active

Risk

6

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 All Growth Fund targets a 40% allocation to Australian equities asset classes and a 60% allocation to international equities asset classes, and is for investors with a high tolerance for risk.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.62%

Buy / sell costs: 0.00% / 0.00%

Dimensional World Allocation 30/70 Trust (IB06)

Underlying Managed Fund (UMF)

Dimensional World Allocation 30/70 Trust

strategy

Diversified

Style

Active

Risk

4

Investment Objective

The Fund is not managed with the objective of achieving a particular return relative to a benchmark index. However, to compare the performance of the Fund with a broad measure of market performance, reference may be made to a combination of market indices based on the strategic asset allocation of the Fund.

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 30% exposure to equities and 70% exposure to fixed interest assets.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.92%

Buy / sell costs: 0.07% / 0.07%

Dimensional World Allocation 50/50 Trust (IB07)

Underlying Managed Fund (UMF)

Dimensional World Allocation 50/50 Trust

strategy

Diversified

Style

Active

Risk

5

Investment Objective

The Fund is not managed with the objective of achieving a particular return relative to a benchmark index. However, to compare the performance of the Fund with a broad measure of market performance, reference may be made to a combination of market indices based on the strategic asset allocation of the Fund.

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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.941%

Buy / sell costs: 0.08% / 0.08%

Dimensional World Allocation 70/30 Trust (IB08)

Underlying Managed Fund (UMF)

Dimensional World Allocation 70/30 Trust

strategy

Diversified

Style

Active

Risk

6

Investment Objective

The Fund is not managed with the objective of achieving a particular return relative to a benchmark index. However, to compare the performance of the Fund with a broad measure of market performance, reference may be made to a combination of market indices based on the strategic asset allocation of the Fund.

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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.952%

Buy / sell costs: 0.09% / 0.09%

Dimensional Sustainability World Allocation 70/30 Trust (IB09)

Underlying Managed Fund (UMF)

Dimensional Sustainability World Allocation 70/30 Trust

strategy

Diversified

Style

Active

Risk

6

Investment Objective

The Fund is not managed with the objective of achieving a particular return relative to a benchmark index. However, to compare the performance of the Fund with a broad measure of market performance, reference may be made to a combination of market indices based on the strategic asset allocation of the Fund.

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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.951%

Buy / sell costs: 0.09% / 0.09%

Dimensional World Equity Trust (IB10)

Underlying Managed Fund (UMF)

Dimensional World Equity Trust

strategy

Diversified

Style

Active

Risk

6

Investment Objective

The Fund is not managed with the objective of achieving a particular return relative to a benchmark index. However, to compare the performance of the Fund with a broad measure of market performance, reference may be made to a combination of market indices based on the strategic asset allocation of the Fund.

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. The Fund will seek to target approximately 100% exposure to equities.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.962%

Buy / sell costs: 0.10% / 0.10%

Betashares Diversified All Growth ETF (IB11)

Underlying Managed Fund (UMF)

Betashares Diversified All Growth ETF

strategy

Diversified

Style

Active

Risk

7

Investment Objective

The Fund is not managed with the objective of achieving a particular return relative to a benchmark index. However, to compare the performance of the Fund with a broad measure of market performance, reference may be made to a combination of market indices based on the strategic asset allocation of the Fund.

Investment Strategy

The Fund provides low-cost access to a range of securities, offering broad diversification across multiple asset classes. The Diversified All Growth ETF targets a 37% allocation to Australian equities asset classes and a 63% allocation to international equities asset classes and is for investors with a high tolerance for risk.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.74%

Buy / sell costs: 0.00% / 0.00%

MLC Wholesale Horizon 5 – Growth Portfolio (IB12)

Underlying Managed Fund (UMF)

MLC Wholesale Horizon 5 – Growth Portfolio

strategy

Diversified

Style

Active

Risk

6

Investment Objective

To outperform the portfolio’s benchmark, after fees, over seven-year periods.

Investment Strategy

Investment markets are the main driver of the portfolio’s investment returns. Its benchmark asset allocation (see below) 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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.50%

Buy / sell costs: 0.15% / 0.15%

Australian Ethical Balanced Fund (IB13)

Underlying Managed Fund (UMF)

Australian Ethical Balanced Fund

strategy

Diversified

Style

Active

Risk

4

Investment Objective

The Fund aims to achieve returns 3.50% above inflation after management costs over a 10-year period.

Investment Strategy

The opportunity to invest in a diversified portfolio of asset types and markets to reduce the volatility of returns. Asset classes include, but are not limited to, Australian and international shares, property and fixed income securities.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.46%

Buy / sell costs: 0.10% / 0.10%

Allan Gray Australia Balanced Fund (IB14)

Underlying Managed Fund (UMF)

Allan Gray Australia Balanced Fund

strategy

Diversified

Style

Active

Risk

5

Investment Objective

To seek long-term returns that are higher than the custom benchmark (after fees and expenses). In doing so, the Fund aims to balance capital growth, income generation and risk of loss using a diversified portfolio.

Investment Strategy

The Fund employs the Allan Gray contrarian investment philosophy to search for investments, having regard to defined investment restrictions. The Fund has the ability to take advantage of market movements with wide ranges for investments. When there are fewer opportunities in Australia or global markets become more attractive, the Fund may become more heavily weighted towards global assets and vice versa.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.31%

Buy / sell costs: 0.20% / 0.20%

Morningstar Growth Real Return Fund – Class A (IB15)

Underlying Managed Fund (UMF)

Morningstar Growth Real Return Fund – Class A

strategy

Diversified

Style

Active

Risk

6

Investment Objective

To earn a rate of return that exceeds inflation by at least 3.5% p.a. over rolling 7-year periods.

Investment Strategy

The Fund is an actively managed multi-asset fund with a long-term average exposure of around 70% growth assets such as shares, property and infrastructure, and around 30% defensive assets such as cash and fixed interest. The Fund will be invested dynamically across managed funds, direct securities, exchange traded funds, foreign exchange contracts and/or derivatives. The Fund aims to deliver real returns while focusing on risk management over the targeted investment horizon.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.12%

Buy / sell costs: 0.13% / 0.11%

Vanguard Australian Fixed Interest Index Fund (IB16)

Underlying Managed Fund (UMF)

Vanguard Australian Fixed Interest Index Fund

strategy

Sector

Style

Active

Risk

2

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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.74%

Buy / sell costs: 0.06% / 0.06%

Vanguard Global Aggregate Bond Index Fund Hedged (IB17)

Underlying Managed Fund (UMF)

Vanguard Global Aggregate Bond Index Fund Hedged

strategy

Sector

Style

Active

Risk

4

Investment Objective

To track the return of the Bloomberg 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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.79%

Buy / sell costs: 0.09% / 0.09%

Vanguard Australian Shares Index Fund (IB18)

Underlying Managed Fund (UMF)

Vanguard Australian Shares Index Fund

strategy

Sector

Style

Active

Risk

6

Investment Objective

To track the return of the S&P/ASX 300 Accumulation 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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.71%

Buy / sell costs: 0.04% / 0.04%

Vanguard International Shares Index Fund Hedged (IB19)

Underlying Managed Fund (UMF)

Vanguard International Shares Index Fund Hedged

strategy

Sector

Style

Active

Risk

6

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.

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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.77%

Buy / sell costs: 0.06% / 0.06%

Vanguard International Shares Index Fund (IB20)

Underlying Managed Fund (UMF)

Vanguard International Shares Index Fund

strategy

Sector

Style

Active

Risk

6

Investment Objective

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

Investment Strategy

The Fund will hold or be exposed to most of the securities in the index by investing in the Vanguard International Shares Index Fund, foreign exchange forwards and other derivative financial instruments, or may invest directly in the securities of the index, allowing for individual security weightings to vary from the index from time to time. The Fund may invest in, or be exposed to, securities that have been removed from or are expected to be included in the index.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.73%

Buy / sell costs: 0.05% / 0.05%

Vanguard Emerging Markets Shares Index Fund (IB21)

Underlying Managed Fund (UMF)

Vanguard Emerging Markets Shares Index Fund

strategy

Sector

Style

Active

Risk

6

Investment Objective

To track (before fees, expenses and tax) the return of the MSCI Emerging Markets Index (with net dividends reinvested) in Australian dollars.

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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.11%

Buy / sell costs: 0.18% / 0.18%

Vanguard Australian Property Securities Index Fund (IB22)

Underlying Managed Fund (UMF)

Vanguard Australian Property Securities Index Fund

strategy

Sector

Style

Active

Risk

6

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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.78%

Buy / sell costs: 0.05% / 0.05%

Vanguard International Property Securities Index Fund Hedged (IB23)

Underlying Managed Fund (UMF)

Vanguard International Property Securities Index Fund Hedged

strategy

Sector

Style

Active

Risk

6

Investment Objective

Vanguard International Property Securities Index Fund (Hedged) seeks to track the return of the FTSE EPRA/ NAREIT Developed ex Australia Rental Index, Australian Dollar Hedged (with net dividends reinvested) before taking into account fees, expenses and tax.

Investment Strategy

The Fund provides low-cost exposure to international property securities listed in developed countries. It invests in a broad range of securities that include real estate investment trusts as well as companies that own real estate assets, and derive a significant proportion of their revenue from rental income. The Fund is hedged to Australian dollars so the value of the Fund is relatively unaffected by currency fluctuations.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.03%

Buy / sell costs: 0.07% / 0.07%

Vanguard Global Infrastructure Index Fund Hedged (IB24)

Underlying Managed Fund (UMF)

Vanguard Global Infrastructure Index Fund Hedged

strategy

Sector

Style

Active

Risk

6

Investment Objective

The Fund seeks to track the return of the FTSE Developed Core Infrastructure Hedged into AUD Index (with net dividends reinvested) in Australian dollars before taking into account fees, expenses and tax. FTSE International Limited (FTSE) is the index provider of the FTSE Developed Core Infrastructure Index Hedged into AUD Index.

Investment Strategy

The FTSE Developed Core Infrastructure Hedged into AUD Index comprises securities in developed countries, which provide exposure to transportation, energy and telecommunications infrastructure.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.12%

Buy / sell costs: 0.07% / 0.07%

iShares S&P 500 ETF (IB25)

Underlying Managed Fund (UMF)

iShares S&P 500 ETF

strategy

Sector

Style

Active

Risk

6

Investment Objective

To track the return of the S&P 500 Index before taking into account fees, expenses and tax.

Investment Strategy

The Fund provides low-cost exposure to companies listed in the US equity 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 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.59%

Buy / sell costs: 0.00% / 0.00%

Betashares NASDAQ 100 ETF (IB26)

Underlying Managed Fund (UMF)

Betashares NASDAQ 100 ETF

strategy

Sector

Style

Active

Risk

7

Investment Objective

The Fund seeks to provide an investment return that aims to track the performance of the NASDAQ 100 Index (the “Index”), before taking into account fees and expenses.

Investment Strategy

The Fund seeks to provide an investment return, before fees and expenses, that aims to track the performance of the relevant Index

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.03%

Buy / sell costs: 0.00% / 0.00%

VanEck MSCI International Quality ETF (IB27)

Underlying Managed Fund (UMF)

VanEck MSCI International Quality ETF

strategy

Sector

Style

Active

Risk

6

Investment Objective

The Fund aims to provide investment returns before fees and other costs which track the performance of its Reference Index in Australian dollars.

Investment Strategy

The Fund employs a passive management strategy of physically replicating the Reference Index by investing in the securities that comprise the Reference Index, in proportion to the security’s relative weighting in the Reference Index.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.95%

Buy / sell costs: 0.00% / 0.00%

First Sentier Institutional Cash Fund (IB28)

Underlying Managed Fund (UMF)

First Sentier Institutional Cash Fund

strategy

Sector

Style

Active

Risk

1

Investment Objective

To outperform the returns of Australian money markets over rolling two-year periods as measured by the Reserve Bank of Australia Cash Rate Total Return Index (before fees and taxes and assuming income is reinvested).

Investment Strategy

The Fund invests in high-quality money market securities with short maturities, and aims to deliver a stable income stream. The fund invests in assets that the investment manager believes offer value-for-risk by taking into account economic analysis and market trends. Responsible investment considerations form an important component of the credit research process, and can affect issuer selection and portfolio positioning. At least 50% of the fund is invested in highly liquid assets at any time. Derivatives may be used for risk management.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.43%

Buy / sell costs: 0.00% / 0.00%

PIMCO Australian Bond Fund (IB29)

Underlying Managed Fund (UMF)

PIMCO Australian Bond Fund

strategy

Sector

Style

Active

Risk

4

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 longterm focus and seeks to avoid extreme swings in duration or maturity with a view to creating a steady stream of returns.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.10%

Buy / sell costs: 0.10% / 0.10%

PIMCO Global Bond Fund (IB30)

Underlying Managed Fund (UMF)

PIMCO Global Bond Fund

strategy

Sector

Style

Active

Risk

4

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

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

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.12%

Buy / sell costs: 0.10% / 0.10%

RQI Australian Value – Class A (IB31)

Underlying Managed Fund (UMF)

RQI Australian Value – Class A

strategy

Sector

Style

Active

Risk

7

Investment Objective

To provide capital and income growth by investing in Australian shares and outperforming the S&P/ASX 200 Total Return Index over rolling five-year periods before fees and taxes

Investment Strategy

The strategy forms a universe of Australian companies based on accounting measures, which gives the portfolio a value tilt. Factors such as quality, relative valuation, fundamental momentum and market sentiment are applied to reduce value traps and improve the risk and return characteristics of the portfolio. RQI aims to generate higher returns versus the benchmark over the long term.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 0.92%

Buy / sell costs: 0.10% / 0.10%

Perpetual ESG Australian Share Fund (IB32)

Underlying Managed Fund (UMF)

Perpetual ESG Australian Share Fund

strategy

Sector

Style

Active

Risk

6

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 Australian shares that meet Perpetual’s ESG and values-based criteria*

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.725%

Buy / sell costs: 0.12% / 0.12%

First Sentier Concentrated Australian Share Fund (IB33)

Underlying Managed Fund (UMF)

First Sentier Concentrated Australian Share Fund

strategy

Sector

Style

Active

Risk

6

Investment Objective

To provide long-term capital growth by investing in a concentrated portfolio of 15-30 stocks. The Fund aims to outperform the S&P/ASX 300 Total Return Index (before fees and taxes) over rolling three-year periods.

Investment Strategy

The Fund’s investment strategy is based on the belief that, over the medium-to-long term, stock prices are driven by the ability of management to generate excess returns over their cost of capital in their chosen industry. The Fund generally invests in a concentrated selection of high quality entities with strong balance sheets and earnings in the S&P/ASX 300 Total Return Index. The Fund may use derivatives for efficient portfolio management as well as risk management purposes. The Fund invests in Australian equities and therefore does not hedge currency risk. The Fund may use derivatives for efficient portfolio management as well as risk management purposes.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.52%

Buy / sell costs: 0.20% / 0.20%

Australian Ethical Australian Shares Fund (IB34)

Underlying Managed Fund (UMF)

Australian Ethical Australian Shares Fund

strategy

Sector

Style

Active

Risk

6

Investment Objective

To provide long-term growth focusing on Australian companies that meet the Australian Ethical Charter.

Investment Strategy

The Fund provides the opportunity to invest in a diversified share portfolio of companies predominately listed on the ASX and selected on the basis of their social, environmental and financial credentials. The Fund utilises an active stockpicking management style with stocks generally selected for growth rather than income, with a bias towards smaller capitalisation stocks listed on the ASX. All stocks are chosen on the basis of relative value where we deem the risks are being adequately priced.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.55%

Buy / sell costs: 0.15% / 0.15%

Betashares Geared Australian Equities Complex ETF (IB35)

Underlying Managed Fund (UMF)

Betashares Geared Australian Equities Complex ETF

strategy

Sector

Style

Active

Risk

7

Investment Objective

The investment objective of the Fund is to provide geared exposure to the returns of the Australian share market. There is no assurance or guarantee that the returns of the Fund will meet its investment objective

Investment Strategy

The Fund intends to implement the investment strategy by combining application money from investors with borrowed funds and investing the proceeds in a broadly diversified share portfolio, generally consisting of approximately 200 of the largest equity securities listed on the ASX, weighted by their market capitalisation and rebalanced quarterly.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.33%

Buy / sell costs: 0.00% / 0.00%

Arrowstreet Global Equity Fund Hedged (IB36)

Underlying Managed Fund (UMF)

Arrowstreet Global Equity Fund Hedged

strategy

Sector

Style

Active

Risk

6

Investment Objective

The Fund aims to achieve a long-term total return (before fees and expenses) that exceeds the MSCI All Country World ex Australia Index, in $A hedged with net dividends reinvested.

Investment Strategy

The Fund provides exposure to a diversified portfolio of global equities which may include securities listed in emerging and frontier markets as well as securities of small and micro capitalisation companies by investing indirectly in the Arrowstreet Global Equity Fund.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.83%

Buy / sell costs: 0.16% / 0.17%

GQG Partners Global Equity Fund Hedged (IB37)

Underlying Managed Fund (UMF)

GQG Partners Global Equity Fund Hedged

strategy

Sector

Style

Active

Risk

6

Investment Objective

The objective for the class is to provide a rate of return (after fees and expenses and before taxes) which exceeds the return of the MSCI ACWI Ex-Tobacco 100% Hedged to AUD Index

Investment Strategy

The Fund seeks to invest in quality companies with attractively priced future growth prospects in both developed and emerging markets. GQG Partners’ fundamental investment process evaluates each business based on financial strength, sustainability of earnings growth, and quality of management. The Fund seeks to limit downside risk while providing attractive returns to long-term investors over a full market cycle.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.33%

Buy / sell costs: 0.10% / 0.10%

GQG Partners Emerging Markets Equity Fund (IB38)

Underlying Managed Fund (UMF)

GQG Partners Emerging Markets Equity Fund

strategy

Sector

Style

Active

Risk

6

Investment Objective

The objective of the Fund is to provide a rate of return (after fees and expenses and before taxes) which exceeds the return of the MSCI Emerging Markets ex Tobacco Index (AUD).

Investment Strategy

The GQG Partners Emerging Markets Equity Fund seeks long-term capital appreciation. The Fund seeks to invest in high-quality companies with attractively priced future growth prospects in emerging markets. GQG Partners’ fundamental investment process evaluates each business based on financial strength, sustainability of earnings growth, and quality of management. The Fund seeks to limit downside risk whilst providing attractive returns to longterm investors over a full market cycle.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.51%

Buy / sell costs: 0.25% / 0.25%

Resolution Capital Global Property Securities Fund Managed Fund (IB39)

Underlying Managed Fund (UMF)

Resolution Capital Global Property Securities Fund Managed Fund

strategy

Sector

Style

Active

Risk

6

Investment Objective

The Fund aims to achieve an annual total return that exceeds the total return of the benchmark after fees on a rolling 3-year basis.

Investment Strategy

The Fund primarily invests in global listed REITs and real estate securities that derive most of their returns from rental income. The Fund’s investments provide exposure to a range of underlying real estate from around the world including office buildings, shopping centres, industrial warehouses, residential communities, hotels and healthcare facilities. The Fund may also have exposure to companies which undertake activities such as real estate development, real estate construction contracting and real estate funds management activities.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.10%

Buy / sell costs: 0.20% / 0.20%

Lazard Global Listed Infrastructure Active ETF (IB40)

Underlying Managed Fund (UMF)

Lazard Global Listed Infrastructure Active ETF

strategy

Sector

Style

Active

Risk

6

Investment Objective

The Fund seeks to achieve total returns (including income and capital appreciation and before the deduction of fees and taxes) that outperform inflation, as measured by the Australian Consumer Price Index, by 5% per annum over rolling five-year periods

Investment Strategy

The Fund will invest in listed companies that own physical infrastructure (including concessions or long-term contracts to this effect); have assets predominantly invested in member countries of the Organisation for Economic Cooperation and Development and meet a minimum market capitalisation hurdle at the time of initial purchase. The number of securities will generally range from 25 to 50 which means Lazard makes active investment decisions as to which securities the Fund holds.

Annualised performance as at 30 September 2026 (net of fees and taxes)

Fund

1 Month

n/a

3 Months

n/a

6 Months

n/a

1 Year

n/a

2 Years

n/a

3 Years

n/a

4 Years

n/a

5 Years

n/a

Total Management Fees per annum: 1.53%

Buy / sell costs: 0.25% / 0.25%

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