Establishing new OneAnswer accounts online User Guide INVESTMENT

Transcription

1 Establishing new OneAnswer accounts online User Guide INVESTMENT

2 Contents Overview Open new OneAnswer accounts online for your clients 1 Important information 2 Minimum requirements 2 Need help? 2 User friendly features 3 Accessing the electronic application forms 8 OneAnswer s Investment Portfolio products 10 OneAnswer s Personal Super products 22 OneAnswer s Pension products 33 Saving and retrieving application forms 49 Viewing the status of submitted applications 53 ii

3 Overview Open new OneAnswer accounts online for your clients OnePath s online transaction capability allows you to complete and submit new business applications online for all OneAnswer products. The electronic forms provide you with a quick and efficient alternative to existing paper-based forms. Why transact online with OnePath Streamlined submissions in most cases, applications can be submitted and processed before OnePath receives the client signature forms. Fast processing the intuitive system ensures applications are completed correctly and ready for immediate processing. OnePath has also automated several administration tasks to further accelerate the application process. Types of applications supported Investment Portfolio Initial contributions for online applications can be submitted via direct debit, cheque and or an ANZ Investment Lending facility. Personal Super Initial contributions for online applications can be submitted via cheque, rollovers from OnePath or non-onepath administered products and direct debit. Pension Online applications can be submitted for clients making rollovers from OnePath administered and non-onepath administered superannuation and pension products. Greater convenience completed applications, including client signature forms, can be accessed online for future reference. You will also receive a reference number to quote when contacting OnePath about submitted applications. 1. Complete the electronic form. 5. Online transaction process complete.* The online transaction process * Processing of request will not be finalised until OnePath has received any outstanding documents. 2. Print/review client details and have them sign any additional documentation. 4. If required, send any additional documentation to OnePath. (OnePath will contact you if this documentation has not been received.) 3. Submit request to OnePath (electronic confirmation will be provided when received by OnePath). 1

4 Important information Client signatures and outstanding requirements In most cases, applications submitted online will be processed in advance of client signature forms being received by OnePath. However, client signatures are required to perform subsequent account maintenance transactions such as change of details and withdrawals. OnePath will contact you if these signatures have not been provided within 30 days of applications being processed. If the name on the nominated single or joint bank account(s) bears no resemblance to the name of the OneAnswer account holder(s), OnePath will require an original signature from the bank account holder(s) before applications can be processed. OnePath is required to conduct customer identification/ verification for Pension and Investment Portfolio applications to comply with the Anti-Money Laundering (AML)/Counter Terrorism Financing Act. Please ensure you provide OnePath with any documentation required for identification verification purposes. OnePath does not require your clients signature to process online applications for Personal Super group insurance. By acknowledging the declaration within the electronic form, your client is providing OnePath with electronic acceptance of the terms and conditions of their application. The Adviser copy of completed insurance applications has a section for your client to sign, should you require this for your records. Investment Portfolio OnePath will only process contributions made via cheque or ANZ Investment lending facilities when the appropriate funds and supporting documentation are received. Additionally, OnePath s existing authentication and authorisation infrastructure is used to verify your credentials throughout the online application process. For security and data integrity purposes, the online transaction capability will time out after 15 minutes of inactivity. Minimum requirements You will need the following requirements to access the electronic application forms. OnePath requirements A User ID and password for OnePath s Adviser Advantage website that is linked to your OnePath sales account number(s). The ability to perform account access transactions. To register for Adviser Advantage, visit onepath.com.au, select Adviser, click on Register and follow the instructions provided. To use the Personal Super online insurance application you will also need to be registered for access to OnePath s RiskWorks online case management system. Contact Adviser Services on to register for RiskWorks. Internet browser settings Ensure your Internet browser is set to Accept pop-ups to allow the online application forms to open correctly. Ensure you have the latest version of Adobe Acrobat installed to access PDF copies of forms and outstanding documentation. You can download the latest version of Adobe Acrobat at onepath.com.au. Personal Super and Pension OnePath will only process contributions/rollovers for Personal Super and Pension accounts when the appropriate forms and funds have been received. OnePath will only process certain requests for established Personal Super and Pension accounts when the appropriate forms have been received. These requests include nominating beneficiaries and establishing insurance through superannuation. Acknowledgements and Disclaimers You will need the authority to transact on your client s behalf to use OnePath s online application forms. During the online application process you will be prompted to review and accept the acknowledgements and disclaimers that are relevant to the request being submitted online. Internet security and data integrity Data is sent to and from OnePath over SSL (Secure Socket Layer), meaning that data transmitted between your computer and OnePath is encrypted at all times. Need help? This guide provides step-by-step instructions for using OnePath s online application facility. It also provides useful tips to help you complete the application process. Contact your OnePath Business Development team or call Adviser Services on , weekdays between 8.30am and 6.30pm (AEST) for further assistance. 2

5 User-friendly features OnePath s electronic forms have a number of user friendly features to make it simple and efficient to use. Navigating through the application form Click on Next or Back to navigate through the application form. You can skip backwards to previous sections by clicking on the navigation bar. The navigation bar highlights the section of the form you are in and your progress through the form. Note: The navigation bar can only be used to skip backwards. You must still click on Next to move forward within the Application form. Mandatory fields All mandatory form fields are denoted by *. A list of mandatory fields that are missing details or have been entered incorrectly will appear at the top of the page. You can click on the links provided to navigate to the relevant field in the application form. You will need to enter the correct details into these fields before proceeding to the next page. A red exclamation mark! will also appear next to mandatory fields that are missing details or have been entered incorrectly. Tip Place your cursor over the red exclamation mark! to display the error message. 3

6 Protected and non-applicable fields Fields that are not applicable to your client s OneAnswer account will be locked by being greyed out. For example: The Auto-rebalance feature has been locked as this client has only chosen one investment fund for their OneAnswer account. Built-in product rules You will be notified if you have entered details into the forms that breach OneAnswer product rules or limits. You can click on the links provided to navigate to the relevant field in the Application form. 4

7 BSB validation When you enter a BSB number the corresponding Name of financial institution and Branch where account is held will automatically be pre-populated. Flexible option for entering financial institution details If you don t have your client s financial institution account details at the time of completing the Application form you can choose to enter these details at a later time while you complete the remainder of the form. Note: when you select to Provide financial institution details at a later date you will need to save the application as it cannot be submitted to OnePath without these details. To enter your client s financial institution details, open the saved Application form, navigate to the nominated financial institution section and de-select the above option. You can now complete the outstanding sections and submit the application. 5

8 Postcode validation When you enter a postcode either a drop-down menu with a short list of suburbs will appear for you to select from or, where the postcode is unique, the Suburb field will automatically be pre-populated. This will enable you to verify that the postcode you entered is correct. Reviewing forms before submission Before submitting your application online to OnePath, you can select to open, save or print a client copy of the request Forms and any Outstanding Forms that need to be sent to OnePath. You can choose to print all forms and outstanding requirements or a selection of those you require. PDF generation Application forms will be generated as PDFs for you to open, save or print. These PDFs will be simplified to only contain information that is relevant to your client s new OneAnswer account. This provides a more efficient and environmentally friendly alternative to existing paper-based forms. 6

9 Reference information An Application Reference Number will be provided for you to quote when contacting OnePath about your client s application. A Date Submitted field will record the date that the application has been submitted to OnePath. Note: The effective date for new accounts will be subject to the date and time of receipt by OnePath, and any applicable OneAnswer product rules. Prior to submission of a request to OnePath, a Client Copy of the Forms and Outstanding Forms will be provided for review. A final Adviser Copy of the Forms will be provided for your records once the request has been submitted electronically to OnePath. 7

10 Accessing the electronic application forms Accessing via Adviser Advantage 1. Visit onepath.com.au, and click on Login in the Adviser login area. Enter your User ID and password then click on Login. 2. Click on Account Access. 8

11 3. Select Transact online then click on New application. 4. Select the required OneAnswer Product from the drop-down menu. 5. Select the appropriate OnePath Sales account number. The electronic Application form for the product you have selected will open for you to complete. Note: If you do not have the ability to perform transactions within OnePath s Adviser Advantage website, contact OnePath on (select option 1), weekdays between 8.30am and 6.30pm (AEST). 9

12 Investment Portfolio Products Selecting a fee structure 1. Select a fee structure. 2. Click on Next. Acknowledgements and Disclaimers 1. Review the Acknowledgements/ Disclaimers. 2. Check the tick box to accept the Acknowledgements/Disclaimers. 3. Click on Next to begin the application process. 10

13 Tip Click on the links to download an electronic version of the relevant Investment Portfolio Product Disclosure Statement (PDS), Investment Funds Guide or Additional Information Guide. Selecting investor type 1. Select the Investor Type that is applicable to your client. 2. Click on Next. 11

14 Entering client details 1. Enter your client s details into the fields provided. 2. Click on Next. Tip OnePath will automatically register your client for the My OnePath website when their new OneAnswer account is established. You can help to speed-up the website registration process by entering your client s address into the Application form. 12

15 Entering payment details 1. Enter your client s Total Investment Amount. 2. Select the payment method(s) and enter details into the fields provided. Note: Investments can be made by cheque and/or direct debit. 3. Indicate your client s intentions for nominating a financial institution account(s) and using the ANZ Margin Loan facility by checking the applicable radio buttons. 4. If applicable, select Dollar Cost Averaging Plan and enter details into the fields provided. 5. Click on Next. Note: An ANZ Investment Lending form will be provided when the application is submitted if you have selected to use the ANZ Margin Loan facility. 13

16 Selecting investments, distribution payment options and future investment authorities 1. Click on a Profile to view available investment funds within that Profile. 2. Check the tick box(es) to select the investment fund(s) to add your client s porfolio. 3. Click on Select. 4. Select the basis (percentage or dollar amount) for allocating your client s investment between the selected investment funds. 5. Enter allocations into the fields provided. 6. Select the distribution payment option for each investment fund and enter a future investment strategy allocation (if applicable). 7. Click on Next when you have finished selecting investment funds and entering details. Tip Click on Calculate to check that the amounts or percentages entered for each investment fund add to your client s total investment amount. 14

17 Creating a Dollar Cost Averaging Plan 1. Select Dollar Cost Averaging (DCA) Plan details (i.e. Start Date, Frequency, Nominated amount and Nominated Fund) 2. Check tickbox(es) to select additional investment fund(s) in the DCA. 3. Select the basis (percentage or dollar amount) for allocating the DCA amount between the selected investment fund(s). 4. Enter DCA target amount into applicable investment fund(s). 5. Click on Next. Note: The investment fund(s) selected as part of the initial investment will be pre-populated on the DCA screen. Entering rebates details 1. Select rebate options. 2. Click on Next. 15

18 Investment review, selecting rebates and auto-rebalancing 1. Review the investment funds and associated details. 2. Select rebate option. 3. Check the tick box if your client wishes to use the auto-rebalance facility 4. Click on Next. Note: The auto-rebalance feature will only appear when more than one investment fund has been selected for your client s portfolio. Creating a Regular Investment or Regular Draw-down Plan This page of the application form only needs to be completed if your client wishes to set up a Regular Investment or Regular Draw-down Plan. 1. Select an option. 2. If applicable, enter details and make selections for each investment fund. 3. Click on Next. 16

19 Selecting Adviser Service Fees 1. If applicable, select Ongoing Adviser Service Fee then enter details into the fields provided. 2. If applicable, select One-off Adviser Service Fee then enter details into the fields provided. 3. Click on Next. Tip A Deferred Adviser Service Fee is only applicable for OneAnswer Frontier Investment Portfolio and will only appear when that product option is selected. Selecting commissions 1. Select your initial commission amount. 2. Select the commission to be rebated for any additional future investment. 3. Enter the percentage for any ongoing commission rebates. 4. Click on Next. 17

20 Entering your OnePath adviser details 1. Enter your adviser details into the fields provided. 2. Select an adviser transaction authority option. 3. Click on Next. Note: The Adviser Number and Name of Adviser field will be pre-populated with your information held within Adviser Advantage. A printable Adviser Transaction Authority form will be provided when the application has been submitted. 18

21 Verifying your client s identity OnePath is required to conduct identification/verification for individual and joint investor applications to comply with the Anti-Money Laundering (AML)/Counter-Terrorism Financing Act. If you intend to complete the customer identification using IFSA/FPA or dealer-group branded forms, please continue to complete the fields below and mail your alternate form to OnePath. Your client s details will be prepopulated using the details previously entered into the electronic form. Note: These details can only be changed by updating the Investor Details section of the electronic form. 1. Check the tick box that corresponds to your verification procedure. 2. Enter the details of your verification procedure. 3. Enter your details into the fields provided. Note: Your name will be pre-populated using the details previously entered into the electronic form. 4. Click on Next. Note: A completed Identification form will be provided with the Client Declaration and Signature form when the application has been submitted. 19

22 Final Acknowledgements and Disclaimers 1. Review the final Acknowledgements and Disclaimers. 2. Check the tick box(es) to accept the final Acknowledgements and Disclaimers. 3. Click on Next. Reviewing and submitting the application 1. To open and/or save a copy of a form, click on or To print a client copy click on Print all or check the tick box(es) for the form(s) you wish to print, then click on Print selected. 2. Click on Submit once you have reviewed the Application form. Note: Prior to submission of the application to OnePath, a Client Copy of the Forms and any Outstanding Forms will be provided for review. A final Adviser Copy of the Application Forms will be provided for your records once the application has been submitted electronically to OnePath. Tip The Print selected option can be used to print selected Outstanding Forms that you require in hardcopy format. 20

23 Application reference numbers A message will confirm whether OnePath has received your application and a reference number will be provided. 1. Click on Proceed. Tip Record the reference number to quote when contacting OnePath about submitted applications. This reference number will be recorded on PDF copies of submitted Application forms. Accessing outstanding forms In most cases, applications submitted online will be processed in advance of client signature forms being received by OnePath. However, client signatures are required to perform subsequent account maintenance and transactions such as change of details and withdrawals. OnePath will contact you if the Client Declaration and Signature form has not been provided within 30 days of the application being processed. Clicking on Proceed within the confirmation page will open a page listing Forms submitted to OnePath and any Outstanding Forms. Outstanding Forms relate to documentation that needs to be completed and posted to OnePath to complete the online transaction process and may include: Client Signature & Declaration Direct Debit Service Agreement ANZ Investment Lending. 1. Print and complete any Outstanding Forms and post to: OneAnswer GPO Box 5306 Sydney NSW

24 Personal Super Products Selecting a fee structure 1. Select a fee structure. 2. Click on Next. Acknowledgements and Disclaimers 1. Review the Acknowledgements and Disclaimers. 2. Check the tick box to accept the Acknowledgements and Disclaimers. 3. Click on Next to begin the application process. 22

25 Entering client details 1. Enter your client s details into the fields provided. 2. Click on Next. Tip OnePath will automatically register your client for the My OnePath website when their new OneAnswer account is established. You can help to speed-up the website registration process by entering your client s address into the Application form. 23

26 Entering contribution details 1. Select the option(s) relevant to your client and enter the contribution details into the fields provided. Note: Form fields will expand for selected options. 2. Enter rollover/transfer details into the fields provided (if applicable). 3. Select if the transfer from OnePath administered products is to be completed as seamless. 4. Click on Next. Note: Select Transfer from non-onepath administered products if your client is transferring funds from a PortfolioOne account. Tip Click on Add to include rollovers from multiple institutions. A Notice of Intent to Claim a Tax Deduction form will be provided if your client chooses to claim a tax deduction for transfers from OnePath administered products. 24

27 Selecting investments 1. Click on a Profile to view available investment funds within that Profile. 2. Check the tick box(es) to select investment fund(s) to add to your client s portfolio. 3. Click on Select. 4. Select the basis (percentage or dollar amount) for allocating your client s investment between the selected investment funds. 5. Enter allocations into the fields provided. 6. Click on Next when you have finished selecting investment funds and specifying allocations. Tip Click on Calculate to check if the amounts or percentages entered for each investment fund add to your client s total investment amount. 25

28 Investment review, selecting rebates and auto-rebalancing 1. Review the investment funds and allocations. 2. Select rebate option. 3. If applicable, select Dollar Cost Averaging Plan and enter details in the fields provided. 4. Click on Next. Note: The Auto-Rebalance feature will only appear when more than one investment fund has been selected for your client s portfolio. The Auto-Rebalance feature will not be available if the Dollar Cost Averaging option has been selected, and vice-versa. Creating a Dollar Cost Averaging Plan 1. Select Dollar Cost Averaging (DCA) Plan details (i.e. Start Date, Frequency, Nominated amount and Nominated Fund). 2. Check tickbox(es) to select additional investment fund(s) in the DCA Plan. 3. Select the basis (percentage or dollar amount) for allocating the DCA amount between the selected investment fund(s). 4. Enter DCA target amount into applicable investment fund(s). 5. Click on next. 26

29 Creating a Regular Investment Plan 1. Select an option. 2. Enter a regular contribution amount for each investment fund (if applicable). 3. Select the applicable options for your client s Regular Investment Plan from the drop-down menus. 4. Nominate a financial institution and provide account details for your client s Regular Investment Plan. 5. Click on Next. Entering insurance details Steps for applying for Basic insurance cover 1. Select Basic insurance cover option. 2. Answer Basic insurance cover mandatory questions and declaration. Select Insurance Premium deduction method. 3. Click on Next. Note: If your client is not eligible for Basic insurance cover as a result of the responses to the mandatory questions and declaration, then Customised insurance cover may be selected and will be subject to normal underwriting requirements. 27

30 Steps for applying for Customised insurance cover 1. Choose an insurance option. 2. Select any applicable insurance options. Note: If you choose to apply for insurance online through Personal Super, a separate insurance application form will open after submitting the OneAnswer application form (see page 35). 3. Click on Next. Note: The online insurance application cannot be used for clients transferring their insurance from another superannuation fund. A separate paper-based form will be provided when the OneAnswer application form has been submitted. Tip If you select to pay OneCare Super insurance premiums via Personal Super you will need to provide OnePath with a OneCare Super Transfer Authority form. 28

31 Selecting Adviser Service Fees This page of the application form is optional 1. If applicable, select Ongoing Adviser Service Fee then enter details into the fields provided. 2. If applicable, select One-off Adviser Service Fee then enter details into the fields provided. 3. Click on Next. Tip A Deferred Adviser Service Fee is only applicable for OneAnswer Frontier Personal Super and will only appear when that product option is selected. Selecting commissions 1. Select your initial commission amount. 2. Select the up-front commission for any additional contribution. 3. Enter the percentage for any ongoing commission rebates. 4. Click on Next. Note: You will need to enter an insurance commission if your client has elected to apply for insurance. A product transfer commission option will also appear if your client has selected to rollover funds from OnePath administered products. 29

32 Entering your OnePath adviser details 1. Enter your adviser details into the fields provided. 2. Select an adviser transaction authority option. 3. Click on Next. Note: The Adviser Number and Name of Adviser field will be pre-populated with your information held within Adviser Advantage. A printable Adviser Transaction Authority form to be signed by your client will be provided when the application has been submitted. Final Acknowledgements and Disclaimers 1. Review the final Acknowledgements and Disclaimers. 2. Check the tick box(es) to accept the final Acknowledgements and Disclaimers. 3. Click on Next. 30

33 Reviewing and submitting the application 1. To open and/or save a copy of a form, click on or To print a client copy click on Print all or check the tick box(es) for the form(s) you wish to print, then click on Print selected. 2. Click on Submit once you have reviewed the Application form. Note: Prior to submission of the application to OnePath, a Client Copy of the Forms and Outstanding Forms will be provided for review. A final Adviser Copy of the application Forms will be provided for your records once the application has been submitted electronically to OnePath. Tip The Print selected option can be used to print selected Outstanding Forms that you require in hardcopy format. Application reference numbers A message will confirm whether OnePath has received your application and a reference number will be provided. 1. Click on Proceed. Note: If you have selected to apply online for insurance through Personal Super, a separate form will open after clicking on Proceed. Refer to the Online insurance application and RiskWorks case management system user guide for more information. Tip Record the reference number to quote when contacting OnePath about submitted applications. This reference number will be recorded on PDF copies of submitted Application forms. 31

34 Accessing outstanding forms In most cases, applications submitted online will be processed in advance of client signature forms being received by OnePath. However, client signatures are required to perform subsequent account maintenance and transactions such as change of details and withdrawals. OnePath will contact you if the Client Declaration and Signature form has not been provided within 30 days of the application being processed. OnePath will only process contributions when the required forms and funds have been received. OnePath will only process certain requests for an account when the appropriate forms have been received. These requests include nominating beneficiaries and establishing insurance through superannuation. Clicking on Proceed within the confirmation page will open a page listing Forms submitted to OnePath and any Outstanding Forms. Outstanding Forms relate to documentation that needs to be completed and posted to OnePath to complete the online transaction process and may include: Client Signature and Declaration Nomination of Beneficiary Direct Debit Service Agreement Insurance Transfer Life Insurance Personal Statement Superannuation Transfer and a Letter of Compliance Short Form Insurance Application Notice of Intent to Claim a Tax Deduction. 1. Print and complete any Outstanding Forms and post to: OneAnswer GPO Box 5306 Sydney NSW

35 Pension Products Selecting a fee structure 1. Select a fee structure. 2. Click on Next. Acknowledgements and Disclaimers 1. Review the Acknowledgements and Disclaimers. 2. Check the tick box to accept the Acknowledgements and Disclaimers. 3. Click on Next to begin the application process. 33

36 Entering client details 1. Enter your client s details into the fields provided. 2. Click on Next. Tip OnePath will automatically register your client for the My OnePath website when their new OneAnswer account is established. You can help to speed-up the website registration process by entering your client s address into the Application form. 34

37 Nominating beneficiaries and reversionary pensioner 1. Select options and enter details into the fields provided (if applicable). 2. Click on Next. Tip A Nomination of Beneficiary form will be provided when the application has been submitted. Pension eligibility and transition to retirement pension 1. Confirm your client s eligibility to receive a pension. 2. Click on Next. Tip A Transition to Retirement (TTR) option will appear for eligible clients that have reached preservation age (restrictions apply). 35

38 Selecting how investments will be made 1. Select the option(s) relevant to your client and enter details into the fields provided. 2. Click on Next. Note: Select Transfer from non-onepath administered products if your client is transferring funds from a PortfolioOne account. Tip Click on Add to include rollovers from multiple institutions. 36

39 Investments from OnePath administered products 1. Select the option(s) relevant to your client and enter details into the fields provided. 2. Click on Next. Note: A Notice of Intent to Claim a Tax Deduction form will be provided if your client chooses to claim a tax deduction for transfers from OnePath administered products. Tip When performing a partial transfer from OnePath administered products you can choose to nominate specific investment funds held within your client s account. Click on Add to nominate multiple investment funds for transfer. Please note that only full transfers will qualify for the Super to Pension transfer bonus. 37

40 Performing a cash consolidation 1. Select an option for consolidation. 2. Select an option for contributions to OneAnswer Personal Super. 3. If applicable, select Cheque and/or Direct Debit payment option(s) for Superannuation Cash Consolidation and enter applicable details in fields provided. Note: Cash consolidation payments will be included in the anticipated Total investment amount and incorporated in the Pension payment nomination. 4. Click on Next. Tip The Superannuation Transfer and Consolidation form will be provided when the application is submitted if your client has selected the Cash Consolidation service. 38

41 Selecting the Seamless Transfer option This option will only appear if your client has selected to transfer funds from OnePath administered products. 1. Select an option. 2. Click on Next. Note: If your client selects the Cash Consolidation service your client will not be eligible to complete a seamless transfer. If your client intends to make additional contributions, or is rolling over additional funds from non-onepath administered products, and wishes to complete a seamless transfer of their policy, then the non-onepath funds should be consolidated within their existing OneAnswer Personal Super account prior to rolling over to OneAnswer Pension. ANZ Prime CMA At-Call Access Facility 1. Select an option. 2. Click on Next. Tip An ANZ Prime Cash Management Account Identification Documents Form will be provided when the application is submitted if your client has selected to use the ANZ Prime CMA At-Call Access Facility. 39

42 Selecting investments 1. Click on a Profile to view available investment funds within that Profile. 2. Check the tick box(es) to select investment fund(s) to add to your client s portfolio. 3. Click on Select. 4. Select the basis (percentage or dollar amount) for allocating your client s investment between the selected investment funds. 5. Enter allocations into the fields provided. 6. Click on Next when you have finished selecting investment funds and specifing allocations. Note: To complete a seamless transfer you will need to select the same investment funds as recorded in your client s Personal Super account. Tip Click on Calculate to check if the amounts or percentages entered for each investment fund add to your client s total investment amount. 40

43 Entering pension payment details 1. Select the annual pension payment amount your client would like to receive. 2. Make pension payment selections and enter details into the fields provided. 3. Click on Next. Pension drawdown details 1. Enter Pension payment drawdown % applicable to investment fund(s). 2. Click on Next. 41

44 Investment review, selecting rebates and auto-rebalancing 1. Review the investment funds and allocations. 2. Select rebate option. 3. If applicable, select auto-rebalance and enter details into the fields provided. 4. If applicable, select Dollar Cost Averaging Plan and enter details into the fields provided. 5. Click on Next. Note: The auto-rebalance feature will only appear when more than one investment fund has been selected for your client s portfolio. The auto-rebalance feature will not be available if the Dollar Cost Averaging option has been selected, and vice-versa. Dollar Cost Averaging Plan 1. Select Dollar Cost Averaging (DCA) Plan details (i.e. Start Date, Frequency, Nominated amount and Nominated Fund). 2. Check tickbox(es) to select additional investment fund(s) in DCA. 3. Select the basis (percentage or dollar amount) for allocating the DCA amount between the selected investment fund(s). 4. Enter DCA target amount into applicable investment fund(s). 42

45 Entering your client s financial institution details 1. Enter details of your client s nominated financial institution. 2. Click on Next. Tip When you enter a BSB number the Application form will pre-populate the details for Name of financial institution and Branch where account is held. You can then cross check these with your client s details. 43

46 Selecting Adviser Service Fees 1. If applicable, select Ongoing Adviser Service Fee then enter details into the fields provided. 2. If applicable, select One-off Adviser Service Fee then enter details into the fields provided. 3. Click on Next. Tip A Deferred Adviser Service Fee is only applicable for OneAnswer Frontier Pension and will only appear when that product option is selected. Selecting commissions 1. Select your initial commission amount. 2. Enter the percentage for any ongoing commission rebates. 3. Click on Next. Note: You must enter a product transfer commission if your client has selected to rollover funds from OnePath administered products. 44

47 Entering your OnePath adviser details 1. Enter your adviser details into the fields provided. 2. Select an adviser transaction authority option. 3. Click on Next. Note: The Adviser Number and Name of Adviser field will be pre-populated with your information held within Adviser Advantage. A printable Adviser Transaction Authority form will be provided when the application has been submitted. 45

48 Verifying your client s identity OnePath is required to conduct identification/verification for individual and joint investor applications to comply with the Anti-Money Laundering (AML)/Counter-Terrorism Financing Act. If you intend to complete the customer identification using IFSA/FPA or dealer-group branded forms, please continue to complete the fields below and mail your alternate form to OnePath. Your client s details will be pre-populated using the details previously entered into the electronic form. Note: These details can only be changed by updating the Investor Details section of the electronic form. 1. Check the tick box that corresponds to your verification procedure. 2. Enter the details of your verification procedure. 3. Enter your details into the fields provided. Note: Your name will be pre-populated using the details previously entered into the electronic form. 4. Click on Next. 46 Note: A completed identification form will be provided with the Client Declaration and Signature form when the application has been submitted.

49 Final Acknowledgements and Disclaimers 1. Review the final Acknowledgements and Disclaimers. 2. Check the tick box(es) to accept the final Acknowledgements and Disclaimers. 3. Click on Next. Reviewing and submitting the application 1. To open and/or save a copy of a form, click on or To print a client copy click on Print all or check the tick box(es) for the form(s) you wish to print, then click on Print selected. 2. Click on Submit once you have reviewed the Application form. Note: Prior to submission of the application to OnePath, a Client Copy of the Forms and Outstanding Forms will be provided for review. A final Adviser Copy of the application Forms will be provided for your records once the application has been submitted electronically to OnePath. Tip The Print selected option can be used to print selected Outstanding Forms that you require in hardcopy format. 47

50 Application reference numbers A message will confirm whether OnePath has received your application and a reference number will be provided. 1. Click on Proceed. Tip Record the reference number to quote when contacting OnePath about submitted applications. This reference number will be recorded on PDF copies of submitted application forms. Accessing outstanding forms In most cases, applications submitted online will be processed in advance and client signature forms being received by OnePath. However, client signatures are required to perform subsequent account maintenance transactions such as change of details and withdrawals. OnePath will contact you if the Client Declaration and Signature form has not been provided within 30 days of the application being processed. OnePath will only process contributions and/or rollovers when the required forms and funds have been received. OnePath will only record nominated beneficiaries for an account when the appropriate form has been received. Clicking on Proceed within the confirmation page will open a page listing Forms submitted to OnePath and any Outstanding Forms. Outstanding Forms relate to documentation that needs to be completed and posted to OnePath to complete the online transaction process and may include: Client Signature and Declaration ANZ Prime Cash Management Identification Documents Form Transfer form Nomination of Beneficiary Superannuation Transfer and Consolidation form Tax File Number Declaration Notice of Intent to Claim a Tax Deduction. 1. Print and complete any Outstanding Forms and post to: OneAnswer GPO Box 5306 Sydney NSW

51 Saving and retrieving application forms Saving incomplete applications 1. Click on Save at any time during the application process to save the incomplete application. Note: Applications are automatically saved each time you click on Next. Retrieving incomplete applications 1. Login to Adviser Advantage then click on Account access > Transact online > Saved transactions. 2. Click on your client s name to access their saved Application form. Note: The Saved transactions area is only applicable for OneAnswer Application forms. Tip Click on Delete to remove any incomplete applications that you no longer require. 49

52 Retrieving submitted applications and outstanding forms Submitted applications and any associated Outstanding Forms can be accessed at any time from Adviser Advantage. 1. Login to Adviser Advantage then click on Account access > Transact online > Saved transactions. 2. Scroll down to the Submitted transactions area. 3. Click on View to access a submitted application form and any associated Outstanding Forms. 50

53 Retrieving processed applications 1. Login to Adviser Advantage then enter your client s policy number and click on Search. 2. Select Submitted transactions from the drop-down menu then click on Go. Note: You can only view applications and account maintenance and transaction requests that OnePath has processed. This can take up to five business days. 3. Click on View to retrieve the application form and any Outstanding Forms for the applicable application. 4. To open and/or save a copy of a form, click on or To print click on Print all or check the tick box(es) for the form(s) you wish to print, then click on Print selected. 51

54 Viewing the status of submitted applications You can view the status of submitted applications at any time via Adviser Advantage. There are a number of options for searching for the relevant application depending on your requirements. Online applications for all clients 1. Login to Adviser Advantage then click on Account access > Transact online > Saved transactions. 2. Scroll down to the Submitted transactions area. 3. View the current status of each submitted application in the Status column. The Status column will display the processing stage of each online application. Status types that may be displayed are: Awaiting OnePath has pended processing the application until outstanding requirements have been received. In progress OnePath is processing the application. Finalised OnePath has finished processing the application. 52

55 Online and paper-based requests for all clients 1. Login to Adviser Advantage then click on Account access > In progress > Transactions. 2. View the current status of each submitted application in the Status column. Note: Both online and paper based applications, account maintenance and transaction requests will be listed in the Work in progress Transactions screen. The Status column will display the processing stage of each application. Status types that may be displayed are: Awaiting OnePath has pended processing the application until outstanding requirements have been received. In progress OnePath is processing the application. Finalised OnePath has finished processing the application. Tip Click on the reference number ( Ref no. ) hyperlink to view the submitted online application form and any Outstanding Forms associated with the application. 53

56 Adviser Services OneAnswer, GPO Box 5306, Sydney NSW OnePath Funds Management Limited ABN AFSL OnePath Custodians Pty Limited ABN AFSL RSE L Kent Street, Sydney NSW 2000 OneAnswer Personal Super, OneAnswer Frontier Personal Super, OneAnswer Pension, and OneAnswer Frontier Pension are products offered by OnePath MasterFund (ABN , RSE R , SFN ) (Fund). OnePath Custodians Pty Limited is the trustee and issuer of the Fund. OneAnswer Investment Portfolio and OneAnswer Frontier Investment Portfolio are products issued by OnePath Funds Management Limited. Each issuer is a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (ABN ) (ANZ). ANZ is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). Although each issuer is owned by ANZ it is not a Bank. Except as described in the relevant Product Disclosure Statement (PDS), an investment with the issuer is not a deposit or other liability of ANZ or its related group companies and none of them stands behind or guarantees the issuer or the capital or performance of an investment. An investment is subject to investment risk, including possible repayment delays and loss of income and principal invested. This information is current as at July 2012 but may be subject to change. Updated information will be available free of charge by contacting Adviser Services on The information is of the use of advisers only, is of a general nature and does not take into account an investor s personal needs, financial circumstances or objectives. Before acting on this information, an investor should consider the appropriateness of the information, having regard to their needs, financial circumstances and objectives. An investor should read the relevant PDS available at onepath.com.au and consider whether that particular product is right for them before making a decision to acquire or continue to hold the product. L4427/0712 onepath.com.au