For adviser use only. n-link. Click and it s done Information for advisers and support staff

Transcription

1 For adviser use only n-link. Click and it s done Information for advisers and support staff

2 Whether it s a switch, share trading, withdrawal, addition or new business application you can cut days off processing times. With MLC s n-link you just need to click and it s done. It s really that easy.

3 Contents Section 1 Overview 4 Section 2 New Business 15 Section 3 online transactions 36 Section 4 Portfolio Facilities 65 Section 5 Investor Account Details 79 Section 6 n-link Home Page Navigation 90 Section 7 Adviser Utilities and Security 109 Section 8 Reporting 115 n-link. Click and it s done 3

4 n-link Benefits at a Glance 5 n-link Transactions and Account Maintenance 6 1 Overview Customer Identification Guideline 11 n-link. Click and it s done 4

5 n-link Benefits at a Glance 1. Quicker processing times Online transactions pass directly into MLC s administration systems to be potentially actioned immediately, removing days from each procedure. 2. No delays in confirmation Reduce the need for ongoing monitoring. MLC s n link provides an immediate confirmation of the receipt of instructions with consistent turnaround times. 3. Easier to manage tax outcomes Online transactions make it easier to manage and generate tax savings for investors. 4. Minimises data errors at both ends Goodbye data errors (eg a 7 being mistaken for a 1 or a 6 for a 0), we process exactly what you submit to us online. 5. No missing data Goodbye missing data. Online transactions reduce the risk of applications needing to be returned back to the investor for more information which causes delays and hassles. 6. Better compliance records Our system generates softcopy investor records that assist easily meeting with compliance requirements. 7. Less time out of the market Once MLC has received the funds from the investor the buying of the investments starts immediately, lessening the time out of market. A one off direct debit accelerates this process even further. 8. Adviser remuneration can be paid faster When you submit transactions online, the whole process saves time. This includes faster payment of adviser remuneration. 9. More flexibility Online transactions have more flexible documentation requirements. Complete your application online and us your investor s Customer Identification Verification. That s greater flexibility, especially if the investor is remote or overseas. Did you know? Using n-link reduces transaction errors and delays by over 90%. n-link ranks No. 1 for transaction tools out of 25 platforms 1 1 Investment Trends December 2013 Platform Benchmarking Report, based on extensive analyst reviews of 25 platforms across 454 functional points. n-link. Click and it s done 5

6 n-link Transactions and Account Maintenance Transaction/Amendment Is this a straight through process? If no, what additional documents are required by MLC? When will the request be finalised? New Business Create an account / lodge an application: New Pension Account *Where there are multiple rollovers before transferring to pension, all funds must be accumulated in a Super account before transferring to a Pension account. The Pension payments are to start within a month of opening a Pension account. Investment (Individual, Individual-In Trust For) Super (including erollover) Pension* Full Pension Transfer Partial Pension Transfer Investment Company Estate Joint Tenants Partnership Super Fund Trust Account with Margin Lending Yes No /Fax or Post the Nomination of Beneficiary form (only if making a Binding Nomination) Post the original Standard Transfer Form/s (STFs) only if requesting external in specie transfer n-link New Business Application forms ID documents refer to Customer Identification Guideline, page 11 Direct Debit Request or bank details including joint or third party accounts (if applicable) Applied once New Business Application is submitted on n-link and verified by administration Account Number will be displayed in the Navigator Online Transaction Confirmation Record print out The Direct Debit is processed on the date specified, subject to all fields filled out correctly Addition Add additional funds (cheque, BPAY and EFT) One off direct debits (including SML accounts) Yes n/a Applying funds to the account is dependent on when funds are received by Navigator External In species As part of New Business or Additions to an existing account No Post: Original Standard Transfer Form(s) /Fax/Post: Incomplete Parcel History declaration (if applicable) Applied once document is verified continued on the next page n-link. Click and it s done 6

7 Transaction/Amendment Is this a straight through process? If no, what additional documents are required by MLC? When will the request be finalised? Switch Create a switch Create a fast track switch External Margin Lending with NAB or CBA Select Margin Loan External Margin Lending Wide Bay or Leveraged Equities (existing fund) Yes n/a Immediately External Margin Lending with Wide Bay or Leveraged Equities (new approved fund) No /Fax/Post: Pre-populated Switch Instructions form on n-link MLC will submit to the Margin Lender for approval External Margin Lending with BT or Value Nominees All Margin Lending non approved funds Re-weight Create or add a re-weight External Margin Lending with NAB or CBA External Margin Lending with Wide Bay or Leveraged Equities (existing fund) Select Margin Loan Yes n/a Immediately External Margin Lending with Wide Bay or Leveraged Equities (new approved fund) External Margin Lending with BT or Value Nominees No /Fax/Post : Pre-populated Re-weighting Instructions form on n-link MLC will submit to the Margin Lender for approval Separately Managed Account (SMA) Transfer Create a SMA Transfer Yes n/a Consolidated daily. Confirmation from Third Party Broker within 5 business days from the date of submission. continued on the next page n-link. Click and it s done 7

8 Transaction/Amendment Is this a straight through process? If no, what additional documents are required by MLC? When will the request be finalised? Share Trading Create a share trade Margin Lending (Approved Shares) Yes n/a Immediately Margin Lending (Non Approved Shares) No your Switch Instructions request to services@mlc.com.au MLC will submit to the Margin Lender for approval Investor Details Add or delete investor address and contact details Yes n/a Immediately Bank Accounts Add or delete bank accounts No /Fax/Post Pre-populated Account Amendment form on n-link Applied once document is verified Selecting existing bank accounts as Nominated Yes n/a Applied once request is verified Reinvestment of Earnings Edit reinvestment of earnings Yes n/a Immediately Regular Investment Facility (RIF) Your client must already have a bank account set up in order to use this facility on n-link Create a new RIF Edit existing RIF (Change to an existing bank account) Edit existing RIF (frequency and amount of facility only) Suspend/Resume/Close RIF Yes n/a Applied once request is verified Yes n/a Immediately To new bank account Margin Lending No /Fax/Post Pre-populated Account Amendment form on n-link MLC will submit to the Margin Lender for approval Regular Withdrawal Facility (RWF) Your client must already have a bank account set up in order to use this facility on n-link Create a New RWF Edit existing RWF (change to an existing bank account) Edit existing RWF (frequency and amount of facility) Suspend/Resume/Close RWF Yes n/a Applied once request is verified Yes n/a Immediately To new bank account Margin Lending No /Fax/Post Pre-populated Account Amendment form on n-link MLC will submit to the Margin Lender for approval continued on the next page n-link. Click and it s done 8

9 Transaction/Amendment Is this a straight through process? If no, what additional documents are required by MLC? When will the request be finalised? Automatic Income Distribution Facility (AIDF) Your client must already have a bank account set up in order to use this facility on n-link Create a new AIDF Yes n/a Applied once request is verified Close Yes n/a Immediately Edit AIDF (change to an existing bank account) To new bank account Margin Lending Yes No n/a /Fax/Post Pre-populated Account Amendment form on n-link Applied once request is verified MLC will submit to the Margin Lender for approval Progressive Investment Facility (PIF) Additional Investment Facility (AIF) Regular Pension Facility (RPF) Please add additional bank accounts via Bank Accounts link Adviser Ongoing Service Fee Add new PIF Edit/Suspend/Resume/ close existing PIF Add new AIF Edit existing AIF Close AIF Edit existing RPF (payment frequency, annual or per payment pension required, next payment date, suspend, change to a different existing bank account) Edit or Add an Adviser Ongoing Service Fee Yes n/a Immediately Yes n/a Immediately Yes n/a Immediately Yes n/a Immediately Ad-hoc Adviser Service Fee Apply ad-hoc Adviser Service Fee No /Fax/Post Pre-populated Adhoc Adviser Service Fee form on n-link Applied once document is verified Tax Optimisation Change Tax Optimisation (FIFO/HCFO) Yes n/a Immediately Sell down sequence Adjust sell down order Yes n/a Immediately Fee Linking Adding/removing members to a fee linking group Yes n/a Immediately Corporate Actions Accept corporate actions Yes n/a Immediately continued on the next page n-link. Click and it s done 9

10 Transaction/Amendment Is this a straight through process? If no, what additional documents are required by MLC? When will the request be finalised? Term Deposit Rollovers *Same TD supplier and maturity period Rollover of Term Deposit Yes n/a Rollover request is flagged immediately Recurring Sell Recurring sells for illiquid funds Yes n/a Recurring sell is flagged immediately Withdrawal Withdrawals are limited up to 75% of the account balance via n-link. For account closures a copy of a completed Withdrawal Form can be sent to MLC. Create withdrawal No /Fax/Post Pre-populated Withdrawals form on n-link From accounts with: External Margin Lending Select Margin Loan (from cash only) No /Fax/Post Pre-populated Withdrawals form on n-link Withdrawal will be finalised once require documents are received MLC will submit to the Margin Lender for approval *Create Straight Through Withdrawal #Select Margin Loan (Partial or full sell down) Yes n/a Immediately *Client must have ereporting and nominated bank account set up prior to making a straight through withdrawal. Refer to n-link click and its done guide for further exclusions Immediately # Subject to n-link validation. Where switch will result in a margin call position on the portfolio, n-link will return with a validation fail message. n-link. Click and it s done 10

11 Customer Identification Guideline Entity types Individual Trust Regulated/SMSF Trust Unregulated Proprietary Company Unregulated Submit new application n-link application Advisor to: Input customer ID information in the AML Details tab on n-link, and retain all relevant ID documents only Provide Navigator with access to the investor s identification documentation if they require it at any time in the future Paper application Signed application form with Record of Identification section correctly completed and original certified ID documents OR Signed application form with Individual and Sole Trader FSC form, accompanied by certified copy of identification (such as drivers licence or passport) Obtain signed: n-link application, or paper application form Obtain a certified copy of the Trust Deed or Super Fund Lookup from abn.business.gov.au Complete an Australian Regulated Trusts FSC form, or if a foreign trust an Unregulated Australian Trusts & Foreign Trusts FSC form, including the details of one trustee (individual or company) Send the following to Navigator: signed application form certified copy of the Trust Deed or Super Fund Lookup FSC forms Obtain signed: n-link application, or paper application form Complete an Unregulated Australian Trusts & Foreign Trusts FSC form Obtain an original or certified copy of the Trust Deed, or certified extract of the Trust Deed. Extracts of Trust Deeds must include the name of the Trust, Trustees, Beneficiaries, Settlors and Appointers, where applicable If there is a corporate trustee or protector/appointer company, complete an Australian or Foreign Companies FSC form following the verification procedure in Section 3 for the company type as detailed above Complete an Individuals and Sole Traders FSC form for all Individual Trustees and Beneficial Owners. If there are more than 2 trustees, you can complete the form for one Trustee and one Protector/Appointer. Send the following to Navigator: signed application form original or certified copy of the Trust Deed or certified extract of the Trust Deed FSC forms, with identification documents if the Record of Verification Procedure section is not completed Obtain signed: n-link application, or paper application form Complete an Australian Companies FSC form, following the standard verification procedure in Section 3 Complete an Individuals and Sole Traders FSC form for each Beneficial Owner. If there are no Beneficial Owners, complete the FSC form for a Managing Director/Senior Managing Official Send the following to Navigator: signed application form FSC forms, with identification documents if the Record of Verification Procedure section is not completed n-link. Click and it s done 11

12 Entity types Proprietary Company Majority owned subsidiary of an Australian Public Listed company or Regulated Company Public Company Australian Public Listed company, Majority owned subsidiary of an Australian Public Listed company, Regulated Company Public Company Unlisted Foreign Public Company Public Listed company, Majority owned subsidiary of an Australian Public Listed company, Company Regulated in Australia Foreign Public Company Unlisted Submit new application Obtain signed: n-link application, or paper application form Complete an Australian Companies FSC form, following the simplified verification procedure in Section 3 Obtain a Managing Director/Senior Managing Official s details as the company contact Send the following to Navigator: signed application form FSC form Obtain signed: n-link application, or paper application form Complete an Australian Companies FSC form, following the simplified verification procedure in Section 3 Obtain a Managing Director/Senior Managing Official s details as the company contact Send the following to Navigator: signed application form FSC form Obtain signed: n-link application, or paper application form Complete an Australian Companies FSC form, following the standard verification procedure in Section 3 Complete an Individuals and Sole Traders FSC form for each Beneficial Owner. If there are no Beneficial Owners, complete the FSC form for a Managing Director/Senior Managing Official Send the following to Navigator: signed application form FSC forms, with identification documents if the Record of Verification Procedure section is not completed Obtain signed: n-link application, or paper application form Complete a Foreign Companies FSC form, following the simplified verification procedure in Section 3 Obtain a Managing Director/Senior Managing Official s details as the company contact Send the following to Navigator: signed application form FSC form Obtain signed: n-link application, or paper application form Complete a Foreign Companies FSC form, following the standard verification procedure in Section 3 Complete an Individuals and Sole Traders FSC form for each Beneficial Owner. If there are no Beneficial Owners, complete the FSC form for a Managing Director/Senior Managing Official Send the following to Navigator: signed application form FSC forms, with identification documents if the Record of Verification Procedure section is not completed n-link. Click and it s done 12

13 Entity types Foreign Proprietary Company Majority owned subsidiary of an Australian Public Listed company, Company regulated in Australia Foreign Proprietary Company Unregulated Partnership Estate Submit new application Obtain signed: n-link application, or paper application form Complete a Foreign Companies FSC form, following the simplified verification procedure in Section 3 Obtain a Managing Director/Senior Managing Official s details as the company contact Send the following to Navigator: signed application form FSC form Obtain signed: n-link application, or paper application form Complete a Foreign Companies FSC form, following the standard verification procedure in Section 3 Complete an Individuals and Sole Traders FSC form for each Beneficial Owner. If there are no Beneficial Owners, complete the FSC form for a Managing Director/Senior Managing Official Send the following to Navigator: signed application form FSC forms, with identification documents if the Record of Verification Procedure section is not completed Obtain signed: n-link application, or paper application form Complete a Partnerships & Partners FSC form Obtain the original, a certified copy or a certified extract of the Partnership Agreement, or a certified copy or certified extract of the minutes of a partnership meeting where the office bearers were appointed Complete an Individuals and Sole Traders FSC form for each Beneficial Owner. If there are no Beneficial Owners, complete the FSC form for a Managing Director/Senior Managing Official Complete an Individuals and Sole Traders FSC form for at least one partner, if not already provided as a Beneficial Owner Send the following to Navigator: signed application form original, certified copy or certified extract of the Partnership Agreement or Partnership meeting where the office bearers were appointed FSC forms, with identification documents if the Record of Verification Procedure section is not completed Obtain signed: n-link application, or paper application form Complete an Unregulated Australian Trusts & Foreign Trusts FSC form Obtain a certified copy of the Trust Deed, if a trust is involved If there is a corporate trustee, complete an Australian or Foreign Companies FSC form following the verification procedure in Section 3 for the company type as detailed above Complete an Individuals and Sole Traders FSC form for each individual Executor (if no trustee involved), or each individual Trustee Send the following to Navigator: signed application form certified copy of the Trust Deed, if a trust is involved, FSC forms, with identification documents if the Record of Verification Procedure section is not completed n-link. Click and it s done 13

14 Entity types Association Registered Co-operative Government Body Foreign Submit new application Obtain signed: n-link application, or paper application form Complete an Associations FSC form Obtain certified copy of the rules or constitution of the association Obtain certified copy of the minutes of the association meeting where the office bearers were appointed Complete an Individuals and Sole Traders FSC form for each Beneficial Owner. If there are no Beneficial Owners, complete the FSC form for a Managing Director/Senior Managing Official If an unincorporated Association, complete an Individuals and Sole Traders FSC form for at least one member, if not already provided as a Beneficial Owner Send the following to Navigator: signed application form certified copy of the rules or constitution of the association certified copy of the minutes of the association meeting where the office bearers were appointed FSC forms, with identification documents if the Record of Verification Procedure section is not completed Obtain signed: n-link application, or paper application form Complete a Registered Co-operatives FSC form Obtain certified copy of the certificate of registration or certified copy of minutes of meeting Obtain complete an Individuals and Sole Traders FSC form for a Managing Director/Senior Managing Official Send the following to Navigator: signed application form certified copy of the certificate of registration or certified copy of minutes of meeting FSC forms, with identification documents if the Record of Verification Procedure section is not completed Obtain signed: n-link application, or paper application form Complete a Government Body FSC form Complete an Individuals and Sole Traders FSC form for each Beneficial Owner. If there are no Beneficial Owners, complete the FSC form for a Managing Director/Senior Managing Official Send the following to Navigator: signed application form FSC forms, with identification documents if the Record of Verification Procedure section is not completed n-link. Click and it s done 14

15 Setting up a New Account 16 Linked Parties 18 Selecting Fee Options 20 Setting up Deposits and Investment Details 21 2 New Business AML Details 22 Setting up Reinvestment of Earnings (DRP) 23 Setting up a Sell Down Sequence 24 Applying a Fee Linking Group 25 Setting up a Regular Investment Facility (RIF) 26 Setting up an Additional Investment Facility (AIF) 27 Setting up a Progressive Investment Facility (PIF) 28 Setting up an Automatic Reweight Facility 29 Setting up a Regular Withdrawal / Automatic Income Distribution Facility 30 Nominating a Beneficiary 31 Adding Margin Lending details 32 External In Specie Transfers 33 Submitting the New Business Application 34 n-link. Click and it s done 15

16 Setting up a New Account Individual 1. From the n-link homepage, click on New Account located under the Clients column. 2. Click relevant options from the drop-down menus in the Investor Account Name box: adviser account account s office the account service account type (if applies) investor type (new or existing investor) 3. Click the OK button. Fill in the name, address, date of birth, employment/ occupation, Tax File Number, address and contact details. 4. To complete the Employment/ Occupation field, click Find. 5. Enter the occupation in the Description field, click on the best match from the search results and click Select. 6. Click the Next button to create a new investor. 7. If the investor is authorising an agent to transact on their behalf, click the Add Agent button. Select the role from the dropdown, such as Power of Attorney or Agent. Search for existing agent by entering their name in the search field and then click Find. If a match is found, select the name. If the agent s name is not found, click Yes to create the agent, then complete and save their details. Obtain certified copies of identification for the agent, such as drivers licence or passport. Tips: The NAB Customer MEID section only needs to be completed by NAB aligned advisers. Linked Parties tab will be available for Investment Accounts. For accounts opened in the name of an individual and for super to pension transfers, an Anti Money Laundering (AML) tab will be available to enter the investors identification details. This will facilitate paperless new business n-link. Click and it s done 16

17 Setting up a New Account Company or Trust 1. From the n-link homepage, click on New Account located under the Clients column. 2. Click relevant options from the drop-down menus in the Investor Account Name box: adviser account account s office the account service account type (if applies) investor type (new or existing investor) 3. Click the OK button. 4. Now the Applicants New Account screen will appear. Fill in the organisation name and organisation type, such as Company or Trust. a. If you select Company, select the Company Type (such as public or proprietary) and the relevant option from the Listing and Regulatory Details window for the type of company, and click OK. (The example screen shows options for a proprietary company). b. If you select Trust, select either Regulated or Unregulated. 5. Fill in the ACN, ABN and Industry Type. To complete the Industry Type, click Find, enter the industry type in the Description field, click the best match from the search results and click Select. 6. Complete the Tax Details, Residential Address, Postal Address and Contact Details, and click Next. 7. Select the Linked Parties tab and add all required parties for the entity type. Click the Information icon for a window showing details of the linked parties required for each entity. To add a linked party, click Find, enter their name and click Find. If a match is found, select the name. If the name is not found, click Yes to create the linked party. Complete all details and click Save. Obtain certified copies of identification, such as drivers licence or passport, for each linked party. Tips: Send signed n-link application, required FSC forms and all supporting documents to Navigator. See the Customer Identification Guidelines section for details of the documents required for each entity a 7 3 n-link. Click and it s done 17

18 Linked Parties Entity type Individual Trust Regulated/SMSF Trust Unregulated Proprietary Company Unregulated Proprietary Company Majority owned subsidiary of an Australian Public Listed company or Regulated Company Public Company Australian Public Listed company, Majority owned subsidiary of an Australian Public Listed company, Regulated Company Public Company Unlisted Foreign Public Company Public Listed company, Majority owned subsidiary of an Australian Public Listed company, Company Regulated in Australia Foreign Public Company Unlisted Foreign Proprietary Company Majority owned subsidiary of an Australian Public Listed company, Company regulated in Australia Foreign Proprietary Company Unregulated Partnership Linked Parties Required N/A One Trustee required If a corporate trustee, all Beneficial Owners required, or if no Beneficial Owners found, one Managing Director/Senior Managing Official All Settlors required All Trustees required All Beneficial Owners required If greater than two Trustees appointed, one Trustee and one Protector/ Appointor can be provided All Beneficial Owners required If no Beneficial Owners found, one Managing Director/Senior Managing Official is required One Managing Director/Senior Managing Official required One Managing Director/Senior Managing Official required All Beneficial Owners required If no Beneficial Owners found, one Managing Director/Senior Managing Official is required One Managing Director/Senior Managing Official required All Beneficial Owners required If no Beneficial Owners found, one Managing Director/Senior Managing Official is required One Managing Director/Senior Managing Official required All Beneficial Owners required If no Beneficial Owners found, one Managing Director/Senior Managing Official is required At least one Partner required All Beneficial Owners required If no Beneficial Owners found, one Managing Director/Senior Managing Official is required continued on the next page n-link. Click and it s done 18

19 Entity type Estate Association Registered Co-operative Government Body Foreign Linked Parties Required Executor required If Trustee appointed, all Trustees required All Beneficial Owners required If greater than two Trustees appointed, one Trustee and one Executor can be provided All Beneficial Owners required If no Beneficial Owners found, one Managing Director/Senior Managing Official is required One Managing Director/Senior Managing Official required All Beneficial Owners required If no Beneficial Owners found, one Managing Director/Senior Managing Official is required n-link. Click and it s done 19

20 Selecting Fee Options 1. Click the Fees tab to enter the applicable adviser fees. 2. Initial Service Fee can be charged as a $ or %. 3. You can set a % fee to be charged for future contributions. 4. You can charge a $ or % fee for share transactions. To allow greater flexibility we provide 3 options for charging Adviser Service Fees: Flat Tiered Investment Important: New accounts opened will default to Series 2 fee model pricing. Dealer Facilitation Fee only applicable to Navigator accounts n-link. Click and it s done 20

21 Setting up Deposits and Investment Details 1. Click the Investment Details tab. 2. In the Deposit Amount panel, click either cheque, loan deposit, single direct debit, EFT or External In Specie from the drop-down menu. If you select a single direct debit, you must enter the bank account details. A single direct debit from the investor s bank account is the fastest and most accurate method of facilitating payment. Tip: For cheque rollovers, please make cheque payable to MLC and not the investor s name. 3. Enter the deposit amount (minimum $100) and select the category from the menu. Enter employer name if applicable. If it is a rollover, provide the name of the Super Fund in the Source field. Also search or manually enter the information via the Rollover Details hyperlink. 5 If the rollover is electronic, no paperwork is required to be sent to the other fund. A full erollover will cause insurance with the outgoing to be cancelled. 4. To select the investments you would like to add to the portfolio you can click Add Investments or Load from a Portfolio. Add Investments provides the list of Managed Funds, Term Deposits, Shares and SMAs via the tabs at the top of the screen. Select the investments by placing a tick beside the investment. Load from a Portfolio allows you to select from the list of ThreeSixty and Tailored Portfolios available through the Tailored Portfolio module. If there are no portfolios listed you are unable to select this option until you have portfolio templates set up Once the investment or tailored portfolio has been selected, click OK to add it to the portfolio. Tips: Set up a Favoured Investments (in the pop-up list). This allows you to filter frequently used funds and display them at the top of the list (see the Utilities/ Preferences section located from the drop down menu within the n-link homepage). Allocate the % or $ amount to buy (% offers more flexibility for any future changes and should be used where possible). 1% of the total portfolio balance needs to be allocated to the cash account to satisfy the minimum cash holding requirement n-link. Click and it s done 21

22 AML Details 1. Click the AML Details tab to enter the Anti-Money Laundering Requirements and Record Verification information. 2. In the Anti-Money Laundering Requirements, select either Part I, Part II or Part III. 3. If Part I Acceptable Primary photographic ID documents is selected, then available valid options will be shown. For Part I, one Record of Verification column will be available as only one ID document is applicable. The Record of Verification fields will display what information and format is required fill in all available fields. 4. If Part II or Part III are selected, then follow the instructions in the text boxes as to how many options are to be selected from each section and what information is required. 2 1 Tips: For accounts opened in the name of an individual and for super to pension transfers, an Anti Money Laundering (AML) tab will be available to enter the investors identification details. This will facilitate paperless new business. 3 n-link. Click and it s done 22

23 Setting up Reinvestment of Earnings (DRP) 1. Within the Investment Details tab, click the Reinvestment of Earnings blue hyperlink located at the bottom of the screen. The DRP Details screen will appear. Tip: DRP represents Distribution Reinvestment Plan 2. Change the drop down to a Yes beside each fund if you d like the distributions reinvested to purchase more units. Alternatively you can check the Reinvest All box. 3. The Reinvest All Future Income sets all future investment purchases to default YES for reinvesting of earnings. 4. Click the OK button. Important: This instruction doesn t update automatically and therefore may need to be amended if investment products are added or sold out of the portfolio. Tips: Reinvestment of Earnings is not available on all Term Deposits and some SMAs. For more information please check the Investment Allocation Authority relevant to the product. Facilities displayed as blue hyperlinks are available to the account. Facilities displaying a green tick symbol are activated and can be amended. The facilities displayed in black aren t available n-link. Click and it s done 23

24 Setting up a Sell Down Sequence 1. Within the Investment Details tab, click the Sell Down Sequence blue hyperlink located at the bottom of the screen. The Sell Down Sequence screen will appear with the pre-populated Default Sell Down Order selected. 2. To change the sell down order, click Custom Sell down Order button at the top of the screen. Highlight individual funds and then click Move Investment Product Up or Down button at the bottom of the screen. 3. Click the OK button. Important: The funds at the top of the list will be sold first and the bottom will be sold last. On a quarterly basis the cash holding is automatically reviewed (minimum liquidity) and it may be necessary for funds to be sold to meet cash holding standards. The Sell Down Order determines which investment product is sold first. For Minimum Liquidity dates please refer to Latest news on home screen of n-link. Facilities displayed as blue hyperlinks are available to the account. Facilities displaying a green tick symbol are activated and can be amended. The facilities displayed in black aren t available n-link. Click and it s done 24

25 Applying a Fee Linking Group 1. Within the Investment Details tab, click the Fee Linking Group blue hyperlink located at the bottom of the screen. The Fee Linking Group screen will appear. 2. From the drop down menu, click the applicable fee linking group and applicable relationship. 3. Click the OK button. Tips: To create a new fee linking group go to the n-link home screen, under Practice Management then Fee Linking. Facilities displayed as blue hyperlinks are available to the account. Facilities displaying a green tick symbol are activated and can be amended. The facilities displayed in black aren t available n-link. Click and it s done 25

26 Setting up a Regular Investment Facility (RIF) 1. Within the Investment Details tab, click the Regular Investment Facility blue hyperlink located at the bottom of the screen. The Regular Investments screen will appear. 2. Check the Use Regular Investment Facility and select the applicable Regular Investment Category. Enter the amount, frequency, start date and bank details. 3. Within the Allocation panel, allocate the % amount to buy or click the Copy Allocation button to apply the same allocation as the initial deposit. You can also click the 100% Cash button for the regular deposits to go straight to the cash account. 4. Click the OK button. Tips: The investment allocation selected will also be applied to the Additional Investment Facility. Facilities displayed as blue hyperlinks are available to the account. Facilities displaying a green tick symbol are activated and can be amended. The facilities displayed in black aren t available n-link. Click and it s done 26

27 Setting up an Additional Investment Facility (AIF) 1. Within the Investment Details tab, click the Additional Investment Facility blue hyperlink located at the bottom of the screen. The Additional Investments screen will appear. 2. From the drop down menu, click the applicable Additional Investment Category. 3. Within the Allocation panel, allocate the % amount to buy. Or click the Copy Allocation to apply the same allocation as the initial deposit or 100% Cash button. 4. Click the OK button. Tips: The investment allocation selected will also be applied to the Regular Investment Facility (where applicable). Facilities displayed as blue hyperlinks are available to the account. Facilities displaying a green tick symbol are activated and can be amended. The facilities displayed in black aren t available n-link. Click and it s done 27

28 Setting up a Progressive Investment Facility (PIF) 1. Within the Investment Details tab, click the Progressive Investment Facility hyperlink, located at the bottom of the screen. The Progressive Investments screen will appear. 2. Check the Use progressive investment facility box and enter the amount, frequency, start date and number of instalment details. 3. Within the Allocation panel, allocate the % amount to buy. 4. Click the OK button. Tip: Facilities displayed as blue hyperlinks are available to the account. Facilities displaying a green tick symbol are activated and can be amended. The facilities displayed in black aren t available n-link. Click and it s done 28

29 Setting up an Automatic Reweight Facility 1. Within the Investment Details tab, click the Automatic Reweight blue hyperlink located at the bottom of the screen. The Automatic Reweight screen will appear. 2. Check the Automatic Reweight box and enter the start date, frequency and tolerance %. 3. In the Exclude from Auto Reweight column check the yes or no to indicate your preferences for auto reweight. 4. Click the OK button. Tip: If you have a PIF, Auto Reweight facility will be disabled. Investment funds are periodically reweighted in: February, May, August and November (quarterly) February and August (half yearly) August (yearly) n-link. Click and it s done 29

30 Setting up a Regular Withdrawal / Automatic Income Distribution Facility 1. Within the Investment Details tab, click on the Regular Withdrawal / Automatic Income Distribution blue hyperlink located at the bottom of the screen. The Regular Withdrawal screen will appear. 2. For the Regular Withdrawal facility, check the Use a regular withdrawal option box and enter the annual payment amount, commencement date, frequency and payment escalation % details under Regular Withdrawal Amount. Payment escalation refers to % increase per annum. 3. For Automatic Income Distribution facility, check the Use automatic income distribution facility box and from the drop down menu click the distribution option and % details. 4. Within the Nominated Bank Account panel, add bank account details. For Regular Withdrawals you can enter an EFT Reference. 5. Click the OK button. Important: Regular Withdrawal is not applicable on super accounts. Tips: The Automatic Income Distribution Facility occurs twice a year in February and August. For MLC Navigator Access Accounts the Automatic Income Distribution Facility (AIDF) runs quarterly-february, May, August and November. For other investment accounts the AIDF occurs half yearly in February and August. You can choose to receive all income, a % of income received or available cash. The EFT reference will display on the payees bank account n-link. Click and it s done 30

31 Nominating a Beneficiary Important: Applies to Retirement accounts only. 1. Within the Investment Details tab, click the Super and Beneficiaries Details blue hyperlink located at the bottom of the screen. The Beneficiaries screen will appear. 2. Select the nomination type and then click the New button. 3. A pop up screen will appear confirming the creation of the nomination type. Click Yes to proceed. 4. Enter the nominated beneficiary details and then click the Apply button. 5. Click the OK button. Important: For pension accounts (Pension Tab), Revisionary Pensioner information must be supplied to MLC prior to first pension payment processed by MLC n-link. Click and it s done 31

32 Adding Margin Lending details Important: Only applicable to Investment Accounts. 1. Within the Investment Details tab, click the Margin Lending blue hyperlink located at the bottom of the screen. The Margin Lending screen will appear. 2. There are two margin lending options: SELECT Margin Lending (MLC Navigator only) Other Margin Lending 3. For SELECT Margin Lending click the loan application button. A SELECT Margin Loan application form will appear. Complete the form and click OK. For Other Margin Lending check the Other Margin Lending box. 4. From the drop down list select the Gearer Name. Enter in the loan number. Click OK n-link. Click and it s done 32

33 External In Specie Transfers In specie allows you to transfer managed funds or shares without selling the underlying investment. It allows you and your investors to transfer assets into Investment, Superannuation and Pension accounts. Prior to this step under the Investment Details tab and Payment Type, External In Specie must be selected from the drop down box to activate the External In Specie Transfer tab. No units are sold using this option and there may or may not be CGT implications. In Specie Transfers are not available on Allocated, Growth, Term Allocated Pension or Self Managed Super accounts. 1. Click on the External In Specie Transfer. 2. Copy investor copies the current investor s details. Find to search for an existing investor. Create New creates a new investor. Important: For Superannuation accounts, there will always be a change of beneficial ownership. 3. Under the Investments to be Transferred panel, click Add Investments. Enter the 2 1 APIR/ASX Code or Full name and click Find. Tick and highlight the Investments and click Select. 4. Enter the number of units you wish to transfer in the Units column for each of the Investments. 5. If you require a Standard Transfer Form place a tick in the Std Transfer Form column for each investment. If you do not require a Standard Transfer Form, place a cross in the Std Transfer Form column for each investment. 6. Listed Investments only: If you have ticked Yes to a Standard Transfer Form click on the Std Transfer Form hyperlink. Tip: If you are looking to transfer into a SMA, please refer to Section 3 SMA section for more instructions. If the investment product you want to In Specie Transfer is not on the list please contact us on Enter in the details for the HIN or SRN, Seller Name and PID/Broker Name. The Registry/Account Designation is not compulsory. Click OK. Repeat for each Investment by selecting Copy Previous HIN Details if applicable or entering new details. 7. If there is no change of beneficial ownership you must enter the parcel history or sign the Incomplete Parcel History Declaration that will generate when you Print Instructions. If there is a change of beneficial ownership then you do not have to enter parcel. There are two options available to enter parcel history: 1. Manual Click on the Parcel History hyperlink. Amend Trade Date, Unit Amount and $ Unit Price and click OK. 2. Upload To upload Parcel History via excel spreadsheet, click Upload Parcel History. Select Template to view our standard template format enter in the details, Save, then click Browse to find and upload the template. If you ve already completed the template, click Browse and find the template. 4 5 You can also print the parcel history for your records by clicking Print Parcel History. 3 7 Important: We require original signed Standard Transfer Forms to be mailed to MLC. We only require a signed copy of the Incomplete Parcel History Declaration to be provided to MLC. n-link. Click and it s done 33

34 Submitting the New Business Application 1. Click the Summary tab. 2. Click Save then Validate from the buttons at the bottom of the screen. A message will appear indicating if you have passed or failed the validation process. 3. Follow the instructions displayed within the Validation Messages panel located at the bottom of the Summary tab. Tip: A tick indicates a pass. A cross indicates a fail.! An exclamation or information mark indicates a warning you may need to be aware of. You can still submit with a warning. Refer to page 7 for additional supporting documentation required by MLC Click the Save button once you have rectified the error then Validate again until you have captured all required information. 5. Once Validation is acknowledged the Print Instructions button will be active. Click the Print Instructions button and the New Business Instructions screen will appear. 6. Click the appropriate confirmations and declarations and then Generate to produce the pre-populated application for the investor to sign. Instructions display whether the application is required by MLC or if it is a straight through application. Tips: New Business can be lodged at any time and will be processed immediately upon lodgement. An account number will also be automatically generated. Draft transactions which have not been submitted can be retrieved at any time by clicking on the Draft Transactions section on the n-link home page. On the Summary tab you can select the Tax Method and provide your consent for privacy and/ or marketing. For accounts opened in the name of an individual and for super to pension transfers, an Anti Money Laundering (AML) tab will be available to enter the investors identification details. This will facilitate paperless new business. Validations, Adviser Declaration and Authorise Transaction messaging will vary depending on whether it is a straight through process or not n-link. Click and it s done 34

35 Submitting the New Business Application 7. To submit the application to MLC, click on the Submit button. Select the confirmation of the client has provided you with a signed application and that you have read the Adviser declaration on the application form. Enter the password you used to log into n-link. Then click Authorise. 8. To submit the New Business application click OK. 9. A confirmation document will be generated with the Investor Account Number noted. You can quote this number on supporting documentation you send to MLC. Tips: For paperless new business applications, Binding Nomination of Beneficiary and Standard Transfer forms (if applicable) must still be submitted on paper, however the client s account will still be set up whilst Navigator are waiting for these documents n-link. Click and it s done 35

36 Switch 37 Reweight 39 Transferring from one SMA to another 41 3Online Transactions Transferring shares into a SMA (MLC platform to SMA) 42 Transferring shares out of a SMA (SMA to MLC platform) 43 Share trading 45 Additions 48 Additions erollover 50 External In Specie Transfer Addition 51 Withdrawal 54 Cash Account Withdrawal 56 Straight Through Withdrawal (No Signatures Required) 57 Pension Transfer (Super to Pension) 58 n-link. Click and it s done 36

37 Switch The Switch function allows you to create multiple buys and sells in one online transaction. 1. After locating and selecting the investor account, click the Switch button located in the Portfolio Valuation screen. Tip: Within the Switch Details panel you can elect to choose a Tax Optimisation Mode. First in First Out (FIFO) or Highest Cost First Out (HCFO). If you don t select a Tax Optimisation Mode, the FIFO method will be applied. Important: Fast Track Withdrawals is limited to 75% of an investors account balance. Fast Track processes the buys and sells at the same time to provide an efficient service and it is not available for illiquid funds, hedge funds, term deposits, debentures, property-diversified or capital protected products. 2. Enter the amounts you wish to Sell in the relevant columns. This can be done by %, $ or number of units as shown. Enter the Tax Optimisation Mode and the Adviser Share Transaction Fee (if applicable) in the Switch Details panel. 3. Click the Add Investments button to add new funds to the transaction. A pop-up list of available managed funds, term deposits, shares and SMAs will appear. 4. From the list of available investments, place a tick in the left column to add investments to your portfolio (you can select more than one investment at a time). 5. Click the OK button to add. Important: If you re selling 100% of an investment that has a regular buying facility, you ll be asked if you want these arrangements to continue with the Cancel RBF/AIF column n-link. Click and it s done 37

38 Switch (continued) 6. Click on the Save Draft button. 7. Click on the Validate Switch button to verify the switch is eligible for processing. 8. Click on the Switching Instructions button to generate the instructions. Investor signature is not required to be viewed by MLC. 9. Click on Record of Advice for a record of written confirmation of the switch for the investor. 10. Click the Submit button when you re ready to lodge the switch. You ll be prompted to enter your n-link password. To proceed click Authorise. Important: Unless Fast Track Switch is ticked, the sells will complete first prior to buys commencing. Tip: Favoured Funds allows you to filter frequently used funds and display them at the top of the list (see the Utilities/Preference section located on the title bar) n-link. Click and it s done 38

39 Reweight The re-weight function processes buys and sells to realign the investors portfolio in line with their target allocation. 1. After locating and selecting the investor account, click the Reweight button located in the Portfolio Valuation window. You have the option to change: Fast Track (Fast Track executes the buys and sells at the same time, resulting in less time out of the market). Tax Optimisation Mode Minimum Trade (Shares) (default $500) Minimum Trade (Funds) (default $100) Adviser Share Transaction Fee 2. Within the Reweight Details panel, type in the percentage allocated to each investment product in the Desired Portfolio % column. n-link will then calculate the required sells or buys to bring the allocation to that percentage. Investment products can also be executed from the reweight. 3. Click the Add Investments button to add new funds to the transaction. This will bring up a pop-up list of available Managed Funds, Term Deposits, Shares and SMAs. Place a tick in the left column to add investments to your portfolio (you can select more than one investment at a time). Click the OK button. 4. The Load from a Portfolio button will allow you to apply a Tailored Portfolio to the investor s account. Select the relevant portfolio and click OK. Tips: To set up an Automatic Reweight Facility, tick the Automatic Reweight box located in the Future Auto Reweight panel. Enter the Capital Start Date, Frequency and Reweight Tolerance. The Reweight Details table will adjust to include an additional column, Exclude from Auto Reweight. Investment funds are periodically reweighted in: February, May, August and November (Quarterly) February and August (Half Yearly) August (Yearly) n-link. Click and it s done 39

40 Reweight (continued) 5. Illiquid funds and term deposits are excluded from the reweight. Tip: Where applicable, you can nominate reinvestment of earnings in the Reinvest/Cash Sweep button and customise the sell down order in the Sell Down Sequence tab. 6. Click the Asset Allocation button to view the impact of these changes on the investor s market exposure. 7. Click the Save Draft button. 8. Click the Validate Reweight button to verify the reweight is eligible for processing. 9. Click on the Reweight Instructions button to generate the investor authorisation documents for your compliance purposes. 10. Click the Submit button when you are ready to lodge the reweight. 11. Check the confirmation box and enter your n-link password in the relevant fields to authorise. 12. Click the Authorise button n-link. Click and it s done 40

41 Transferring from one SMA to another 1. After locating and selecting the investor account, click the SMA Transfer button located in the Portfolio Valuation screen. If the current portfolio has a SMA, it will be displayed as a blue hyperlink and can be clicked on to open and view individual holdings. Holdings can be transferred out of the SMA as a %, $ or unit amount. Click OK to return to the main SMA Transfer screen. 2. Enter the amount you want to transfer from the SMA in the Transfer from section, in either the % or $ column. 3. To buy a SMA, click Add SMA to Transfer. Important: Once you have selected the holdings you want to transfer to, you can edit the transfer. You can only perform one SMA transfer at a time. If you have made an error, click the Delete tab to cancel the request. This will reactivate the Add SMA To Transfer button at the bottom of the screen and you can restart your request to transfer holdings. You cannot transfer NAB shares to any existing SMA as it will be in breach of section 279c of the Corporations Act. Tips: Check your warning messages for any CGT implications. The minimum amount to transfer to a SMA is $10,000.00, however if the investor currently holds the model the minimum does not apply. 4. Select the SMA by placing a tick in the left column. Once selected, click OK. 5. Once complete, click Save Draft, Validate SMA and Switching Instructions. Details of the transfer will appear, click OK. The SMA Switching Instructions will then appear. Investor signature is not required to be viewed by MLC. 6. Once you re ready to lodge instructions, click Submit to complete your request. You ll be prompted to enter your n-link password. Once the request is submitted, a confirmation form will be generated for your records n-link. Click and it s done 41

42 Transferring shares into a SMA (MLC platform to SMA) 1. After locating and selecting the investor account, click the SMA Transfer button located in the Portfolio Valuation screen. 2. Enter the amount of Shares to transfer in %,$ or Units. 3. To select a SMA to transfer into, click Add SMA to Transfer. 4. Select the SMA by placing a tick in the left column. Once selected click OK. 5. Once complete, click Save Draft, Validate SMA and Switching Instructions. Details of the transfer will appear, click OK. The SMA Switching Instructions will appear. Investor signature is not required to be viewed by MLC. 6. Once you re ready to lodge the instructions, click Submit to complete your request. You will be prompted to enter your n-link password. Once the request is submitted a confirmation form will be generated for your records. Tip: If you request to transfer stocks that are not in the target SMA these will be sold to cash. You can only transfer to one SMA at a time. Important: Complete parcel history must have been provided to MLC in order to transfer shares into an SMA on n-link n-link. Click and it s done 42

43 Transferring shares out of a SMA (SMA to MLC platform) 1. After locating and selecting the investor account, click the SMA Transfer button located in the Portfolio Valuation screen. 2. The SMA Transfer screen will appear. The current account holdings are displayed in a tabular format. Select the SMA you d like to transfer shares out of, by clicking on the blue hyperlink. 3. The SMA Product Details screen will appear. Select the shares to transfer either by %, $ or units. 4. Click OK. 5. Click Add SMA to Transfer button. Tip: If you use the SMA Transfer option, there may be a reweight of the SMA(s) models required to ensure the SMA model meets the required model allocations. This may result in a sell down of some transferred shares and a purchase of others within the model n-link. Click and it s done 43

44 Transferring shares out of a SMA (SMA to MLC platform) (continued) 6. Place a tick in the left hand column next to Transfer SMA to Direct Holdings. 7. Click OK. 8. Click Save Draft. 9. Click Validate SMA. 10. A Transaction Validation screen will appear confirming the shares that will be transferred out of the SMA. Click OK to proceed. 11. Click Switching Instructions and the SMA Transfer Instructions form will appear. Investor signature is not required to be viewed by MLC. 12. Click Submit. Once the request is submitted a confirmation form will be generated for your records n-link. Click and it s done 44

45 Share trading With Share Trading you can buy and sell shares using At Limit or At Market pricing. Buying Shares 1. After locating and selecting the investor account, click the Share Trading button located in the Portfolio Valuation screen. 2. The Share Trading screen will appear displaying the Buy Shares tab. 3. Enter the ASX code or click the ASX Code button to search for the shares you wish to purchase. 4. If you don t know the ASX code click on the ASX Code button and type in your preferred Share Name. Then click Find. From the list of matching shares, double click on your preferred share to select. 5. To select a broker either select from the Broker button or via the drop down box. 6. Funds Available for Share buys represents the Available Cash greater than $0 plus any available unsettled shares sells. 7. Enter the quantity of shares to purchase at either At Limit or At Market price. If you want to trade At Market, click on the Estimate button for an estimate of current price per share. You are unable to submit an At Market share trade outside trading hours. 8. Assign an adviser fee if you want to charge a fee for performing share transactions for your investor. The total reflects the estimated amount to be debited from the investor s cash account for this transaction. 9. Once you re ready to lodge the instructions, click Submit to complete your request. Validation is built into the Submit button. Any warning or error messages will appear after clicking Submit. When the share order is validated, an Authorise screen will appear. Click Authority Form to generate or alternatively if you already have the authority to transact click on the appropriate confirmation, enter your n-link password and click Authorise. Tip: By clicking on the At Limit (per share) button, you can check the current trading price per share. This link will take you to the Share Investing Limited site and provide you with live trade information. Important: Our default broker is Share Investing Limited. If your desired panel broker is not on our approved list, please call Tip: To receive notifications of n-link and Investor Online Share Trade Transaction Confirmations, go to Utilities, Preferences, Adviser Options tab then Alerts n-link. Click and it s done 45

46 Share trading (continued) Selling shares 1. After locating and selecting the investor account, click the Share Trading button located in the Portfolio Valuation screen. 2. The Share Trading screen will appear. Click on the Sell Shares tab. 3. Select share from the ASX Code dropdown menu. 4. To select a broker either select from the Broker button or via the drop down box. 5. Enter the quantity of shares to sell, either At Limit or At Market prices. Assign an adviser fee if you want to charge a fee for performing share transactions for your client. The Total reflects the estimated amount to be debited from the investor s cash account for this transaction. 6. If you wish to sell by parcels, click on the Parcels button. The Sale of Unit Parcels screen will appear. Enter the number of units you wish to sell from each parcel. Click OK. 7. Select the Tax Optimisation Mode from FIFO or HCFO. If you do not select anything, it defaults to FIFO. This mode will apply to the share if you are not selling by parcel. 8. Once you re ready to lodge the instructions, click Submit to complete your request. Validation is built into the Submit button. Any warning or error messages will appear after clicking Submit. When the share order is validated an Authorise screen will appear. Click Authority Form to generate or alternatively if you are ready have the authority to transact click on the appropriate confirmation, enter your n-link password and click Authorise. This will act as proof that MLC has successfully received your trade instructions. Tips: Click on the History tab to view the history of all Share Trades made on that account. To receive notifications of n-link and Investor Online Share Trade Transaction Confirmations, go to Utilities, Preferences, Adviser Options tab then Alerts n-link. Click and it s done 46

47 Share trading (continued) Buying and Selling Shares Price Steps How we calculate a market to limit order: In line with ASX trading rules, market orders are always placed as limit orders based on the last market price plus price steps (for buys) or subtracting price steps (for sells). The price is calculated by the number of price steps times the multiple. For example: Buy trade = Last traded price + number of price steps times the multiple Sell trade = Last traded price - number of price steps times the multiple Price steps Price steps are the minimum price multiples for a security. The multiple depends on the market price for the security. The size of each price step is calculated from the current market price: less than or equal to $0.099 then $0.001 greater than $0.099 less than or equal to $1.995 then $0.005 greater than $1.995 less than or equal to $ then $0.01 greater or equal to $ then $1.00. Based on the current market price then depending on whether it s a buy or a sell we add or subtract, a number of price steps to that price. The number of price steps we use depends on the current market price as follows, if the market price is: less than or equal to $0.02 then equals 1 price step less than or equal to $0.15 then equals 2 price steps less than or equal to $0.35 then equals 3 price steps less than or equal to $0.50 then equals 5 price steps less than or equal to $1.00 then equals 7 price steps otherwise 8 price steps n-link. Click and it s done 47

48 Additions The Additions functionality allows you to add additional funds or transfer holdings into the existing investor account. 1. After locating and selecting the investor account, click the Addition button located in the Portfolio Valuation screen. 2. Within the Additional Investment/ Contribution panel under the Addition tab, click the Add New Payment blue hyperlink. 3. Enter the Payment Type, Amount, Category and Employer Name (if applicable). If Single Direct Debit is selected then bank account details must be entered. 4. Enter any fees that apply in the Initial Fees panel. 5. To use the Progressive Investment Facility, check the box. Enter the Amount, Frequency, Preferred Start Date, Number of Instalments. Tips: Click on Delete to remove any additional payments not required. Changes can also be made to the Sell Down Sequence and the Reinvest/Cash Sweep n-link. Click and it s done 48

49 Additions (continued) 6. Click the Investment Details tab to add investments or allocate funds to the investor s existing investments by entering relevant % and $ to buy. 7. To add new investment products not within the current portfolio, click the Add Investments button. From the list of available investments, tick the left column to add investments. You can select more than one investment at a time. To allocate to a Tailored Portfolio, click on the Load from a Portfolio button. 8. Click the Save Draft button. 9. Click the Validate Addition button to verify the Addition is eligible for processing. 10. Click on the Print Instructions button to generate the investor authorisation documents for your compliance purposes. 11. Once you re ready to lodge the instructions, click Submit to complete your request. 12. To proceed, check the confirmation box and enter your n-link password in the relevant fields to authorise. 13. Click the Authorise button. 12 Important: If you did not select External In Specie as an additional source, then the External In Specie tab will not be applicable to you n-link. Click and it s done 49

50 Additions erollover As APRA regulated superannuation funds are now obligated to receive and transmit electronically they must do this in accordance with the mandatory data and e-commerce standard which have been introduced. This standard enables electronic payments between super funds. The Australian Taxation Office (ATO) plays an integral part in validating APRA regulated superannuation funds i.e. Those funds that are able to receive and transmit rollovers electronically, by maintaining the ATO Fund Validation Register. Exceptions to erollovers are: Requests to rollover funds to super funds that are not registered with the ATO Fund Validation Service (eg SMSFs) Internal rollover requests In-specie rollover requests Requests to rollover funds from an overseas superannuation fund. 1. In the Portfolio Valuation details screen click Addition. To perform a rollover, click on Rollover Details. 2. Here you can enter the rollover institution and click Find. 3. Details and USI information for the selected rollover institution will be pre-filled. All you need is the Member Client Identifier. This will trigger the automatic erollover facility. Then click OK. 4. Alternatively, if the rollover institution details are unavailable, you can also manually enter in the Superannuation Fund Details on this screen. Important: Manual input of Superannuation Fund Details in step 4 will not trigger automatic erollover. A full erollover or rollover will cause insurance with the outgoing fund to be cancelled n-link. Click and it s done 50

51 External In Specie Transfer Addition This option is only available if in the Additions, External In Specie has been selected as the Payment Type. 1. In the Portfolio Valuation Details screen, click on Addition. 2. Investment Accounts: Under the Additional Investment/ Contribution panel, select the Payment Type as External In Specie. Enter the Source details. Superannuation Accounts: If there is more than one contribution category you will need to enter one External In Specie deposit for each category. Where there is multiple In Specie deposits you must allocate a deposit amount to each category except for one which will be the Floating Balance as this amount cannot be confirmed until the transaction is complete. 3. Under the Initial Fees panel, enter the fees applicable. 4. If you wish to set up a Progressive Investment Facility (PIF), complete the details under the Facilities panel. 5. The Investment Details tab shows the current Investment Allocation. You can add the additional contributions to existing or new investments. Important: $ fees will always be deducted from the cash deposit component of the Addition. % fees will be charged on both the cash deposit and the In Specie Transfer amount. The amount charged on the External In Specie component will not be deducted until the In Specie transaction has completed. 6. Proceed to the External In Specie Transfer tab. Under Transfer Details Source of Assets panel, enter the Seller details by: Copy Investor copies the current investors details. Find copies the current investors details. Create New creates a new investor. Tip: If you are only adding an External In Specie deposit, you do not need to complete this tab. 7. Investment Accounts Only: Is this a change of Beneficiary Ownership? No If there is no change of beneficial ownership you must enter the parcel history or complete the Incomplete Parcel History Declaration Yes If there is a change of beneficial ownership then you do not have to enter parcel history. 8. Under the Investments to be Transferred panel, click Add Investments. Enter the APIR/ASX code or Full Name and click Find. Tick and highlight the Investments and click Select. Tip: You can only have one External In Specie transfer deposit per Addition transaction for Investment Accounts. 9. Enter the number of units you wish to transfer in the Units column for each of the Investments. 10. If you require a Standard Transfer Form, place a tick in the Std Transfer Form column for each investment. Important: If the investment product you want to In Specie transfer is not on the list please contact us on If you do not require a Standard Transfer Form, place a cross at the Std Transfer Form column for each investment. n-link. Click and it s done 51

52 External In Specie Transfer Addition (continued) 11. Listed Investment Only: If you have ticked Yes to a Standard Transfer Form click on the Std Transfer Form hyperlink. Enter in the details for the HIN or SRN, Seller Name and PID/Broker Name. The Registry/Account Designation fields are not compulsory. Then click OK. Repeat for each investment by selecting Copy Previous HIN Details if applicable or entering new details. 12. If there is no change of beneficiary ownership you must enter the parcel history or sign the Incomplete Parcel History Declaration that will generate when you Print Instructions. Important: For Superannuation accounts, there will always be a change of beneficial ownership. Parcel History There are two options available to enter parcel history; 1. Manual Click on the Parcel History hyperlink. Enter Trade Date, Unit Amount and $ Unit Price. Click OK. Repeat for each investment. 2. Upload To upload Parcel History via an excel spreadsheet, click Upload Parcel History. Select Template to view our standard template format. Enter in the details, Save, then click Browse to find and upload the template. If you ve already completed the template, click Browse and find the template. Important: You can also print Parcel History for your records by clicking Print Parcel History. Click Save, then Validate. 13. Click Save Draft, then Validate which will highlight if additional information is required. At this stage, you can also select the tax optimisation details and consent for marketing and privacy. 14. When all rules comply, the Print Instructions button at the bottom of the screen will be activated. Click on the Print Instructions button to generate the client authorisation documents for your compliance purposes. The Submit button automatically sends the instructions to MLC to confirm the new request. Once you re ready to lodge the instructions, click Submit to complete your request. You ll be prompted to enter your n-link password. click Authorise to confirm. Important: We require original signed Standard Transfer Forms to be mailed to MLC. We only require a signed copy of the Incomplete Parcel History Declaration to be provided to MLC. n-link. Click and it s done 52

53 External In Specie Transfer Addition (continued) n-link. Click and it s done 53

54 Withdrawal The withdrawal module will enable you to create: partial withdrawals, partial commutations and partial rollovers. ad-hoc pension payments. 1. After locating and selecting the investor account, click the Withdrawal button located in the Portfolio Valuation screen. 2. The Withdrawal Details screen will appear. 3. Select the Withdrawal Type. 4. Select Tax Optimisation Mode. If you do not select a mode, First In First Out (FIFO) will be applied. Important: The Withdrawal Details panel allows you to either use the proceeds from the sale of investments or nominate a gross/net withdrawal amount. Check the check box to use the proceeds from the sale of funds. This option won t use any money from the cash account. Alternatively, enter a gross or net withdrawal amount. 5. Select to withdraw Proceeds from sale of funds (you must un-tick the Fast Track box if you want to select proceeds from sale of funds) or enter the gross or net amount. Tip: For super and pension accounts click on the Exit Value button to display the exit value for the account. 6. Choose which sell down method you want to use from the Sell Method drop down list. Sell Down Order will sell down funds based on the Sell Down Sequence in the Portfolio Valuation tab of the account. Portfolio will sell down the funds based on the nominated Tailored Portfolio holdings. Proportionately will automatically populate a sell down of investments based on the percentage held in each investment. 7. For Retirement investors The Release Condition and Calculation Type are to be specified. Important: If 100% of a fund is sold from the Sell Down Order and the withdrawal amount is not met then the next investment in the order will be sold down. This option is not applicable if the Proceeds from sale funds or other Sell Methods are chosen. Tip: If you click on the Asset Allocation, you can see the before and after market exposure details for the account. Important: Fast Track Withdrawal only allows up to 75% of the account balance at a time. It is not available for illiquid funds, hedge funds, property-diversified, term deposits, debentures or capital protected products n-link. Click and it s done 54

55 Withdrawal (continued) 8. To sell investments by parcel, click on the investments which have a blue hyperlink. The Sale of Unit Parcels screen will appear showing all parcels purchased. If Sale of Unit Parcels is not specified, the Tax Optimisation method will take affect. 9. Click on the Payees button to add payee details. For rollovers, when selecting a fund to rollover to, n-link will automatically populate the Super Fund details. If you cannot find the Super Fund, details will need to be manually entered along with the Member Client Identifier. Click OK once complete. 10. For Super and Retirement investors click on the Components button and enter which Preservation components the withdrawal funds are to be withdrawn from. 11. Once complete, click Save Draft, Validate the Print instructions. Investor signature is required to be viewed by MLC and where applicable, Customer Identification documents. 12. Once you are ready to lodge the instructions, click Submit to complete your request. You will be prompted to enter your n-link password. Important: The Fast Track functionality can t be applied for Partial Withdrawals on Super accounts. n-link will automatically determine if the withdrawal qualifies for a straight through withdrawal. For more information please refer to Straight Through Withdrawal section of this guide. Tip: For Retirement investors If the request is a rollover, a letter of Compliance may be required before the withdrawal can be completed. For Retirement investors make sure the s tax deduction details are entered. For a payment by Direct Credit you can enter an EFT Reference. This reference will display on the payees bank account n-link. Click and it s done 55

56 Cash Account Withdrawal Cash account withdrawals allows you to transfer funds from the Available Cash Account. 1. In the Withdrawal Details screen, untick the Fast Track box and enter a Withdrawal Amount. Don t enter an amount in the Sell Funds panel as the funds are coming from the Cash Account. 2. Click on the Payees button to add payee details. For rollovers, when selecting a fund to rollover to, n-link will automatically populate the Super Fund details. If you cannot find the Super Fund, details will need to be manually entered along with the Member Client Identifier. Click OK once complete. 3. For Super and Retirement investors click on the Components button and enter which Preservation components the withdrawal funds are to be withdrawn from. 4. Click the Save Draft button 5. Click the Validate button. This will bring up a Transaction Validation message. Click OK. 6. An Instructions Notification will be displayed to advise that funds will be deducted from Available Cash. 7. Click the Print Instructions button. 8. Once you re ready to lodge instructions, click Submit to complete your request. You ll be prompted to enter your n-link password. Once the withdrawal is submitted a confirmation form will be generated for your records n-link. Click and it s done 56

57 Straight Through Withdrawal (No Signatures Required) We ve introduced straight through withdrawals for partial withdrawals submitted via n-link to a clients nominated bank account. To take advantage of this new functionality your client must: be opted into ereporting (view statements online instead of by mail), have a nominated bank account, withdrawal amount is less than 75% of the account value and other exclusions not met. 1. Please refer to Standard Withdrawal section of this guide to process a withdrawal. 2. Adviser to keep Print Instructions for compliance. The withdrawal paperwork will indicate whether a Straight Through Withdrawal was processed (no instructions will be required). If it was not processed as a Straight Through Withdrawal (instructions will be required) it may be due to other exclusions flagged on the account. 3. Investor will be sent an advising that a withdrawal has been made by the adviser on their behalf to their nominated bank account on our database. 2 How to nominate a bank account New accounts: Bank accounts can be nominated during the new business process. Existing accounts: A existing bank account can be changed to nominated via the Portfolio Facilities section and Bank Accounts hyperlink. Select the bank account and then click Set Nominated. The generated Account amendment form is not required to be sent in. To add a bank account the signed Account amendment form must be sent to us. How to add ereporting to an account New accounts: ereporting is the default option for all new applications, unless your client has actively opted out. Existing accounts: To confirm if the investor is currently opted-in to ereporting, simply view the Electronic Reporting option within the Account Details tab in n-link. If the investor isn t opted-in to ereporting, they will need to amend their preferences. They can do this by: calling us on and request to have ereporting access added to their account, or logging into Investor Online and selecting Reduce paper waste from the home page. Important: Straight Through Withdrawal conditions are validated automatically. Products Excluded: Top 200 accounts Term Allocated Pension accounts Growth Pension accounts Other Exclusions: Partial Rollovers Accounts with Margin Lending (geared accounts) Payment Type of Payment by Cheque Accounts with no nominated bank account set and/or ereporting not selected All account contacts must be signed up for ereporting Accounts that have Power Of Attorney flagged Accounts that have Terminal Illness, Total and Permanent Disability, Family Law, Bankruptcy, Financial Hardship/ Compassionate Grounds Accounts belonging to deceased estates Partial commutation for a Transition To Retirement account n-link. Click and it s done 57

58 Pension Transfer (Super to Pension) The Pension Transfer button facilitates both Partial and Full Transfers to Pension 1. After locating and selecting the investor account, click the Pension Transfer button located in the Portfolio Valuation screen. 2. Select the adviser account, account s office and appropriate pension service. Important: Please use your client s existing super account to consolidate any additional contributions before transferring to pension. You can only process a transfer from Super to Pension if there are no active transactions on the account and if the individual has reached their preservation age. Existing insurance policies cannot be transferred to the pension account. Please contact Adviser Services to discuss possible continuation feature on Tips: For accounts opened in the name of an individual and for super to pension transfers, an Anti Money Laundering (AML) tab will be available to enter the investor s identification details. This will facilitate paperless new business. 2 1 n-link. Click and it s done 58

59 Pension Transfer (Super to Pension) continued 3. Your investor s details will be populated in the Applicants tab. 4. In the Fees tab select the relevant Fee Model and enter any applicable Adviser Initial & Ongoing Services Fees. Important: Partial Transfers Adding an Adviser Service Support Fee to the investor s new Pension will not remove advice fees from their Super account n-link. Click and it s done 59

60 Pension Transfer (Super to Pension) continued 5. In the Transfer Details tab select the relevant Transfer Level. i. Full Account Transfer ii. Partial transfer iii. Partial transfer by parcel 6. Partial Transfers: The Transfer Amount fields allow you to define how much you want to leave in the Super account or transfer to the new Pension account. i. Transfer Maximum Amountleaves enough in the Super account to cover liabilities and the account minimum ii. Leave in Super- allows you to select the amount to be left in the Super account iii. Transfer to Pension- allows you to select the amount to be moved to the Pension account n-link. Click and it s done 60

61 Pension Transfer (Super to Pension) continued 7. Partial Transfers: To choose the breakdown of investments to be transferred, select one of the following options: i. Proportional ii. Evenly iii. Transfer all Investments iv. Manual entry Important: The Transfer all Investments option will only work if there is enough Cash in the investor s account to cover liabilities and the account minimum. 8. The Amounts and Liabilities table outlines any fees, charges and other items that are to be charged to the existing Super account. These amounts are used to determine the Maximum Transfer Amount which is the highest amount that can be moved. 7i 7ii 7iii 7iv 8 n-link. Click and it s done 61

62 Pension Transfer (Super to Pension) continued 9. The Preserved Components table refers to the amount of each components that will be transferred to Pension. The sequence that appears is the default. You can customise your sequence or input specific $ Amounts. 10. The Investment Details tab outlines the expected contributions and a breakdown of assets being transferred. Important: The Add New Payment button has been deactivated for transfers. Please deposit any additional contributions in the super account before transferring to Pension n-link. Click and it s done 62

63 Pension Transfer (Super to Pension) continued 11. In the Pension tab, select the relevant option under the Transition to Retirement & Condition of Release. 12. Next, in the Pension Details table, enter the Payment Type, First Payment Date, Frequency and if the payment is to be Indexed (C.P.I. Only applies to Nominated Pension payment type). 13. Enter the bank account details the pension is to be paid to under the Nominated Bank Account section. 14. If you would like to nominate a reversionary beneficiary, complete the Reversionary Pensioner Details section. 15. In the TFN Details tab, enter the tax declaration under the TFN Details section. Further information can be supplied under the information box. Important: You are unable to add a Reversionary Pensioner once pension payments have commenced. Please ensure they are entered in Step n-link. Click and it s done 63

64 Pension Transfer (Super to Pension) continued 16. The Summary tab contains a summary of the account. Once you re ready to lodge the instructions click Save then Validate. A summary of the validation messages will appear. 17. Click Print Instructions and generate the application form. The signed application form is not required by MLC. 18. Once you re ready to lodge the instructions, click Submit to complete your request. You will be prompted to enter your n-link password. Tip: If you click on the blue hyperlinks of the Application Forms Validation Status table, it will take you back to the relevant tab n-link. Click and it s done 64

65 Bank accounts 66 Reinvestment of Earnings 67 Sell down Sequence 68 4 Portfolio Facilities Rolling over a term deposit 69 Regular Investment Facility (RIF) 70 Additional Investment Facility (AIF) 71 Progressive Investment Facility (PIF) 72 Automatic Reweight Facility 73 Regular Pension Facility (RPF) 74 Regular Withdrawal Facility (RWF) / Automatic Income Distribution Facility (AIDF) 75 Super and Beneficiary Details 76 s Notices 77 Fee Linking Group 78 n-link. Click and it s done 65

66 Bank accounts This section displays bank account numbers. You are also able to set nominated accounts to existing account numbers. 1. After locating and selecting the investor account, click the Bank Accounts blue hyperlink button located in the Portfolio Facilities panel. You can Add, Delete or Set Nominated bank accounts. To add a new bank account click Add, enter the new Bank Account Name, Number, BSB and flag whether bank account is nominated or not then click Print Instructions. A pre-populated Account amendment form will load. MLC requires the signed instructions to process this request. 2. You can Delete existing bank accounts by highlighting the account, and clicking Delete. 3. You can set existing bank accounts as the nominated account by highlighting the account first. Then click Set Nominated. An existing bank account can be changed to nominated by highlighting the bank account and then clicking Set Nominated. The generated Account amendment form is not required to be sent in. Tip: Facilities displayed as blue hyperlinks are available to the account. Facilities displaying a green tick symbol are activated and can be amended. The facilities displayed in black aren t available n-link. Click and it s done 66

67 Reinvestment of Earnings This section will allow you to reinvest income accrued from a managed fund back into the same fund. 1. After locating and selecting the investor account, click the Reinvestment of Earnings blue hyperlink button located in the Portfolio Facilities panel. 2. You can check the Reinvest All box or on the Reinvest Earnings drop down box select Yes beside the appropriate fund to reinvest the distributions to purchase additional units. 3. You can check the Reinvest all Future Income box to apply a default for any new assets income to be reinvested. 4. Click the Submit button when complete. Important: Reinvestment of Earnings is unavailable on all Term Deposits and some SMAs. For more information please check the Investment Allocation Authority relevant to the product. Tip: Facilities displayed as blue hyperlinks are available to the account. Facilities displaying a green tick symbol are activated and can be amended. The facilities displayed in black aren t available n-link. Click and it s done 67

68 Sell down Sequence n-link uses the Sell Down Sequence when Minimum Liquidity or negative cash is triggered. It is can also be used for withdrawals. 1. After locating and selecting the investor account, click the Sell Down Sequence blue hyperlink button located in the Portfolio Facilities panel. 2. The Default Sell Down Order Sequence is set by the MLC Investment Policy Team. To change the sell down order, click Custom Sell Down Order. Highlight the individual fund and then the Move Up or Down buttons. 3. The funds at the top of the list will be sold first and the bottom will be sold last. 4. Click the Submit button when complete. Tip: Facilities displayed as blue hyperlinks are available to the account. Facilities displaying a green tick symbol are activated and can be amended. The facilities displayed in black aren t available n-link. Click and it s done 68

69 Rolling over a term deposit 1. After locating and selecting the investor account, click the Rollover of Term Deposit blue hyperlink button located in the Portfolio Facilities panel. 2. The Rollover Details screen will appear. 3. To rollover selected individual Term Deposits, use the Rollover Principal column and select Yes Once, Yes Ongoing or No accordingly. 4. Once complete, click Submit. A letter will then be generated containing details of the Term Deposit rollover. Important: When you select Rollover All it will only apply to the Term Deposits that were available when the option was selected. If another Term Deposit is purchased after this option is applied, you would need to go in and check the Rollover All box again. To view details of your Term Deposit, select it by highlighting and then double click from the Portfolio Valuation screen n-link. Click and it s done 69

70 Regular Investment Facility (RIF) This facility will allow you to set up, suspend/resume and close regular direct debit arrangements from the investors bank account to MLC. 1. After locating and selecting the investor account, click the Regular Investment Facility (RIF) blue hyperlink button located in the Portfolio Facilities panel. 2. To add a RIF, click Add Facility Adjust Bank Details by selecting from the drop down menu or gearer bank account. Input Adviser Fees if applicable. Customise the Regular Investment Details instructions. Choose Add Funds to Buy, Add SMAs to Buy, or Load from a Portfolio for when funds are allocated to the account. 4. For any existing RIF, you can Resume Facility if the RIF is suspended. 5. For any existing RIF, you can Close Facility to cancel the RIF. 6. Once customised, click Validate RIF. 7. Pre-populated Print Instructions will be available for to the investor to sign. The generated Regular Investment form is not required to be sent in. Retain the signed instructions for audit purposes. 8. Click Submit to complete. Tip: Facilities displayed as blue hyperlinks are available to the account. Facilities displaying a green tick symbol are activated and can be amended. The facilities displayed in black aren t available. 3. For any existing RIF, you can Suspend Facility to a date in the future n-link. Click and it s done 70

71 Additional Investment Facility (AIF) This facility allows you to direct where additional investments to the account are allocated. Additional Investments will automatically be allocated to the cash account if AIF is not set up. 1. After locating and selecting the investor account, click the Additional Investment Facility blue hyperlink button located in the Portfolio Facilities panel. 2. To add an AIF, click Add Facility Input Adviser Fees if applicable Select the applicable Contribution Type 3. Choose your investments by clicking on Add Investments. The Available Products window displays available Funds and SMAs. After placing a tick next to the required investment, click OK. 4. To allocate funds to a Tailored Portfolio click on the Load from a Portfolio button. 5. Once customised, click Validate AIF. 6. Click Submit to complete n-link. Click and it s done 71

72 Progressive Investment Facility (PIF) This facility allows you to invest fixed amounts on a regular basis into nominated investment funds and term deposits from amounts held in your Cash Account. Important: There must be sufficient funds in Available Cash for the PIF to be automated. 1. After locating and selecting the investor account, click the Progressive Investment Facility blue hyperlink button located in the Portfolio Facilities panel. 2. To add a PIF, click Add Facility. Input the Instalment Amount and Frequency You can Add Funds to Buy or Add SMAs to Buy. 3. For existing PIFs, you can Suspend Facility. 4. For existing PIFs, you can Resume Facility. 5. For existing PIFs, you can Close Facility. 6. Click Validate to proceed with your adjustments. 7. Click Submit to complete. 1 Tip: Facilities displayed as blue hyperlinks are available to the account. Facilities displaying a green tick symbol are activated and can be amended. The facilities displayed in black aren t available n-link. Click and it s done 72

73 Automatic Reweight Facility This facility allows you to reweight the investor s account on a regular frequency in accordance with the Desired Portfolio %. 1. After locating and selecting the investor account, click the Automatic Reweight blue hyperlink button located in the Portfolio Facilities panel. 2. Customise Automatic Reweight options by selecting your preferred options. 3. Click Validate to proceed with your adjustments. 4. Pre-populated Print Instructions will be available for the investor to sign. 5. Click Submit to complete. 6. Click Ad-hoc Auto Reweight for same day processing n-link. Click and it s done 73

74 Regular Pension Facility (RPF) This facility allows you to adjust the existing pension facility. 1. After locating and selecting the investor account, click the Regular Pension Facility blue hyperlink button located in the Portfolio Facilities panel. 2. For existing RPFs they can be suspended or reactivated if currently suspended. Tick the box in the Receipts panel to print a receipt and Suspended Facility Details to adjust dates for the next pension payment. Click OK to submit changes. 3. View Bank Account details, Last Payment Date and other pension details. 4. In the Payment Details panel, you can adjust dates for the next pension payment and pension payment amounts. 5. You can also nominate Next Financial Year Annual Pension amounts. 6. Click Validate when complete. 7. Pre-populated Print Instructions will be available for the investor to sign. The signed Account Amendment form is not required to be sent in. Retain the signed instructions for audit purposes. 8. Click Submit when complete. Tip: Facilities displayed as blue hyperlinks are available to the account. Facilities displaying a green tick symbol are activated and can be amended. The facilities displayed in black aren t available n-link. Click and it s done 74

75 Regular Withdrawal Facility (RWF) / Automatic Income Distribution Facility (AIDF) This facility is only available for Investment Accounts. You may Add, Suspend, Resume and Close Facilities. 1. After locating and selecting the investor account, click the Regular Withdrawal/Automatic Income Distribution blue hyperlink button located in the Portfolio Facilities panel. 2. Click Add Facility to add a RWF. You can enter an EFT Reference for RWF. This reference will display in the payees bank account. 3. In the adjustment panels, fill in the relevant sections of the facility applicable to the investor. 4. Click Suspend Facility if you wish to suspend an existing set up. 5. Click Resume Facility if you wish to resume an existing set up. 6. Click Close Facility if you wish to close an existing set up. 7. Click Validate once you have made final adjustments on the account. 8. Once the AIDF/RWF has been validated then the Print Instructions button will be available. The generated Account Amendment form is not required to be sent in. Retain the signed instructions for audit purposes. 9. Click Submit when complete. Tip: Facilities displayed as blue hyperlinks are available to the account. Facilities displaying a green tick symbol are activated and can be amended. The facilities displayed in black aren t available n-link. Click and it s done 75

76 Super and Beneficiary Details This page displays all Super and Beneficiary Details registered on the account. 1. After locating and selecting the investor account, click the Super and Beneficiary Details / s Notices blue hyperlink button located in the Portfolio Facilities panel Eligible Service Date, Taxable/Tax Free Components, Preservation Components, Contribution Cap information, Beneficiary and Reversionary Pensioner information are displayed. n-link. Click and it s done 76

77 s Notices 1. After locating and selecting the investor account, click the Super and Beneficiary Details / s Notices blue hyperlink button located in the Portfolio Facilities panel. 2. Personal contribution information for each financial year are displayed. The Personal Concessional Cntrb column shows the amount to be claimed. The Decl Rec d column confirms if a deduction notice has been processed. Tip: Please ensure all tax deductions for personal contribution are completed prior to completing a Withdrawal or Transfer to Pension. n-link. Click and it s done 77

78 Fee Linking Group This facility allows you to close, join or exit a pre-existing Fee Linking Group. 1. After locating and selecting the investor account, click the Fee Linking blue hyperlink button located in the Portfolio Facilities panel. Tip: For help setting up a new Fee Linking Group, refer to the Practice Management section of the n-link Click and It s done document. 1 n-link. Click and it s done 78

79 Asset Allocation 80 Transactions 81 PV History 82 Fees 83 5 Investor Account Details Account Details 85 Insurance 86 Loan Management 87 Notes 88 Document Management 89 n-link. Click and it s done 79

80 Asset Allocation 1. From the Portfolio Valuation tab, click on the Asset Allocation tab. The page is divided into Asset Allocation, Graph and Asset Allocation Details. In these panels you ll be able to see a breakdown of all the portfolio s asset classes in dollar and percentage values. 1 n-link. Click and it s done 80

81 Transactions 1. From the Portfolio Valuation tab, click on the Transactions tab. The Transactions screen provides a complete history of transactions for the investor s account: Use drop down menus to filter transaction searches by various transaction types and status types. Use the date search fields to search for transactions by date. Highlight a transaction and double click to view further transaction details. 1 n-link. Click and it s done 81

82 PV History This screen shows a line graph of the Average Portfolio Valuation. 1. From the Portfolio Valuation tab, click on the PV History tab. 2. Select the Include Net Investments button in the bottom right corner to view the net investments plotted along with the Average Portfolio Valuation on the graph. Tip: If you hold the mouse cursor over the line graph, it will display the date and the portfolio value at that particular point in time. 1 2 n-link. Click and it s done 82

83 Fees The Fees tab enables you to view and edit the existing fee structure for the investor s account and is displayed in five panels: Ongoing Fee Details Advice Fees Other Details Dealer Facilitation Fee (Navigator Only) Monthly Discounts 1. Ongoing Fee Details Advisers are able to edit and change Fee Models and Adviser Ongoing Fees for investors not on Series 2 Fee Models. These transactions do not require signed client instructions and are updated upon being submitted and authorised successfully n-link. Click and it s done 83

84 Fees continued 2. Advice Fees The Adviser Ongoing Service Fee and Dealer Facilitation Fee (Navigator Only) can be edited via the View/Edit Details button to: Flat $ or % Tiered by Investment Indexation can also be applied. These transactions do not require signed client instructions and are updated upon being submitted and authorised successfully. To create an adhoc Adviser Service Fee, click the (Adhoc) Adviser Service Fee ($) button and enter in a new fee. Once you have update fees in this panel, you are prompted to click Validate and then Print Instructions. MLC requires the signed instructions to process this request. 3. Other Details In this panel, click the Populate Exit Value and Other Components button to view the value of portfolio if you were to exit the service, taking into consideration fees and taxes that may apply. 4. Monthly Discounts This panel enables you to review monthly discounts applied to the portfolio. Edit the Effective Date field to review information by different dates. Dates entered always need to be the last day of any month. 5. Fee History Tabs In History, you can: view the history of initial and ongoing fees deposits history linked group details or any fee aggregation discounts The history of any (adhoc) adviser service fees charged to the account. 6. Fee Disclosure & Renewal Details This functionality was to assist advisers with FOFA obligations. Fee Disclosure Information tab: Click on New and enter the Fee Disclosure Anniversary Date. Enter the Fee Disclosure Sent Date and click OK. Renewal Notice Information tab: As part of the Renewal Notice (Optin) obligations, new clients entering into an ongoing fee arrangement from 1 July 2013 will need to be sent a Renewals Notice. To do this: Click New and enter the Renewal Notice Anniversary Date then click OK. A Fee Disclosure Data report can be run from Investor Reports to display individual fee data which can be used in a Fee Disclosure Statement. 7. Additional Tabs Initial Fees, Ongoing Fees, Deposit History, Linked Group, Aggregate Fee Details and (Adhoc Adviser Service Fee) displays the investors fee transaction history. n-link. Click and it s done 84

85 Account Details The Account Details screen enables you to update various parts of the investor s account and is displayed in three panels: Linked Parties Contact Details Account Options 1. Linked Parties The Linked Parties panel displays the investors information. By double clicking on the investor, additional details are displayed such as address and contact details. If your investor s address details change, simply change these in the Address Details panel by clicking the Add or Delete button. Tip: To return to the main Account Details screen, click the Back button at the top of main n-link menu. 2. Contact Details To change these details, click the Change Account Contact button and update with new details as required. 3. Account Options To change these details click on the Default Tax Mode button. For BPAY and Allocated EFT information, click on the respective buttons to view their details n-link. Click and it s done 85

86 Insurance The insurance screen provides an overview of any insurance policies that are linked to this particular account. A policy is considered to be linked if the insurance premiums are paid directly from the cash account. You can: View relationships for the policy holder such as beneficiary information. View requirements that form part of the policy. This may be special conditions or notes regarding the life insured. View the policy details including policy number, policy type, basic details and the level of cover. View the payment information including the premiums, payment frequency, policy fees and the future billing dates. n-link. Click and it s done 86

87 Loan Management The Loan Management tab provides an overview of any Margin Loans that are linked to the account. 1. The Loan Management tab is split into Loan Details, SELECT Margin Loan Details, Loan Summary, Additional Loan Details and Guarantors. 2. Loan Details You can view the Loan number and Gearer name details. Tip: Select Interest Payment to view details on how the interest payments are made. You can select from the following options: Investor Cash Account Capitalise the Investor Margin Loan or Direct debit bank 3. SELECT Margin Loan Details This section provides information on: Select Loan Reference Number Loan Amount Interest Payment Information Interest Rate Accrued Interest Loan Term Investor Cash Account Important: You can adjust the display by entering in your date parameters 4. Loan Summary This section gives a summary of information including: Loan Type Interest Rate Loan Amount Accrued Interest Term (Months) Effective to and from date 5. Guarantors This panel displays the guarantors account name and other important information n-link. Click and it s done 87

88 Notes 1. The Notes tab allows you to view any notes that have been made on the account in relation to amendments made on n-link. Select the note that you want to view and it will be displayed in the box at the top of the screen. 1 n-link. Click and it s done 88

89 Document Management The top panel of this page displays current and historical Annual Statements (Superannuation Accounts), Annual Tax Statements (IDPS), Pension Confirmation and Reviews (Pension). The bottom panel of this page displays confirmation statements of account activities. n-link. Click and it s done 89

90 Account Search (Locating an Existing Investor) 91 Draft Transactions 92 Account Groups 93 6 n-link Home Page Navigation Bulk Reweight 94 Recurring sell of illiquid investments 97 Bulk switch 99 Share orders 101 Corporate actions 102 Fee linking 103 Create a Tailored Portfolio and link to an account group 106 Workflow reports 107 Adviser resources 108 n-link. Click and it s done 90

91 Account Search (Locating an Existing Investor) 1. From the n-link home page click the Account Search link located under the Clients column. 2. You can search by Account Name, Account Number, MLC Account Number, Adviser, Service, Office or via advanced search options such as Platform, Insurance, TTR Pensions, SMSF or Geared Accounts. Click Search to locate the investor. 3. To select an investor, click to highlight the investor and corresponding service type. Double click the line with the investor account name in it to bring up the account details. The Portfolio Valuation screen will appear. 4. From this screen you ll be able to process a number of transactions such as Switches, Share Trades, Additions and Withdrawals by clicking on the relevant buttons on the right. Portfolio facilities can also be amended from this screen such as Rollover of Term Deposits, Regular Investment Facilities, Reinvestment of Earnings, Regular Pension Facilities, and more. Tip: Advanced Search is used when you want to select multiple investors or load from a group to run reports n-link. Click and it s done 91

92 Draft Transactions Finding a draft, submitted or completed transaction 1. From the Home Screen, under the Clients column, click on Draft Transactions. 2. The screen defaults to Individual Transactions. To view by bulk transactions, click on the Bulk Transactions tab. 3. You can input search details under Search Criteria. Here you can search by Investor Account, type of Transaction, Transaction Number, Type of Service, the Status and Date Parameter. Leave the search criteria blank and click Find to search for all transactions. Click Find to begin search. 4. To view details of the transaction, highlight and double click. Use the Back and Fwd buttons on the toolbar to navigate. 5. You can make changes to draft transactions. Highlight and double click on the draft transaction to amend and submit accordingly. If you want to delete a draft, highlight the draft transaction and click Delete. Tip: Columns can be sorted alphabetically by clicking on the column heading n-link. Click and it s done 92

93 Account Groups Setting up Account Groups enables you to streamline tailored portfolios, transactions and reporting for a group of investors with similar investment strategies. The advantage of setting up Account Groups is you only need to perform the transaction or reporting request once, and the entire group benefit from the streamlined process. Therefore saving time by executing instructions in bulk. 1. On n-link s home page, click Account Groups in the Clients column. In the Account Groups screen, you are presented with a list of existing (if applicable) account groups. For each group, you can see: how many members are within the group the portfolio they are all linked to a group description, and the date the group was last modified. 2. Setting up new groups Click the New button to set up a new Account Group. In the screen that appears, enter in the new account group name followed by a brief description. Click the Search button to add members to the account group. A screen will appear that acts as a filter. Here you can refine your member search by service and or status. Click Find to return to the Account Group screen and generated list of investor accounts. If you already have existing Account Groups set up and don t want to move them to a new group, click the Orphans button. This will display a tick symbol next to your investors in the list who are not linked to a group. Go through the list and click each account name to add to the new group and then click Add. This will transfer investors from this list to the account group member list. When you have completed your member list, click Save. To link the Account Group to a Tailored Portfolio see the Tailored Portfolio section of this guide. 3. Report Settings In the Account Group there is a tab called Report Settings. By placing a tick next to the Report Type this will select which reports are run for all members within the group. In the Report Parameters panel, you can refine the parameters of the reports by using the drop down menus. The Report Output panel enables you to set up the pathway on your computer of where you would like to save the reports. Click Save to complete. Important: New members can be added to existing Account Groups by highlighting the group then double clicking. Existing Account Groups can also be copied or deleted using the buttons on the right of screen n-link. Click and it s done 93

94 Bulk Reweight A Bulk Reweight allows you to adjust multiple investors holdings to a set amount as detailed in the Tailored Portfolio. Important: Account Groups and Tailored Portfolios must be set up prior to using this facility. Please refer to their respective sections of this guide for instructions. 1. Click the Bulk Reweight tab on n-link s home page under the Practice Management column. 2. In the Bulk Reweight Options panel, click the Select Portfolio button. A screen will appear with a list of adviser and dealer created portfolios. Scroll through and double click the Tailored Portfolio that you want to reweight. 3. The Minimum Trade field can be set to make sure your investors don t transact small amounts, especially important for brokerage costs on shares. For managed funds and shares, Minimum Trade defaults to $100 and $500 respectively. If shares are included in a tailored portfolio, you can also utilise the Adviser Share Transaction Fee, this will be $0 by default. By default, all the listed investor accounts are included in the bulk reweight, as indicated by the tick in the Selected column. Important: The amount you can charge for transactions involving shares can be between $0 and $110 per share trade. 4. If you don t want a particular investor in the bulk reweight, click in the selected column next to the investor s account to remove the tick and then click the Filter button. The investor will now be removed from the Investor Accounts to Reweight panel. 5. Click Save to save the bulk reweight n-link. Click and it s done 94

95 Bulk Reweight continued 6. To set future reweighting, tick the Automatic Reweight box in the Future Auto Reweight panel and complete Start Date, Frequency and Reweight Tolerance by %. 7. Click Validate at the bottom of the screen. By validating, n-link ensures the bulk reweight complies with the business rules for reweighting. If the validating fails or has warnings for any investors, a message will be displayed. Tip: Unless the tax optimisation is changed in the Bulk Reweight Options panel, the investor will default to what is displayed in their account. 8. You can click View Message to view the details of the validation. 9. For any accounts that have failed validation, you will need to remove them from the list by deselecting the tick symbol in the Selected Column. Click Filter and then Validate again to make sure that the bulk reweight has now validated successfully for the remaining investors. 10. The Switching Instructions button remains inactive until you have revalidated without any validation failures. Once you have validated successfully, you can generate the Switching Instructions form and cover letters to send out to your investors n-link. Click and it s done 95

96 Bulk Reweight continued 11. You ll need to indicate which investors have given you permission by placing a tick in the Instruct Signed column for the relevant investors. The Submit button now becomes activated. 12. Click Submit to display the Authorise Transaction screen. Confirm that you have provided the investor with the relevant disclosure documents for each investment, and that you have received their authority to conduct the reweight by clicking the check box to confirm that you have complied with these requirements. Then enter your n-link password in the Password field and click Authorise to complete the bulk reweight transaction n-link. Click and it s done 96

97 Recurring sell of illiquid investments The recurring sell function allows you to place a sell for illiquid investments for future withdrawal offers. The sell will continue to be submitted for eligible withdrawal offers until all units are redeemed. The recurring sell function has three key areas: 1. Select illiquid investments 2. Select investor accounts, and 3. Submit the recurring sell request 1. From the n-link home screen, click Recurring Sell, under Practice Management column. 2. Click Select Fund. 3. A list of Available Products will appear. Select the illiquid fund you d like to sell on a recurring basis by placing a tick next to the fund. You may only select one fund at a time. 4. Click OK when you re complete. Important: Sell down turn around times for Suspended/Illiquid/Hedged/ Specialist Assets may take longer than standard turn around times. Please ensure bank account details are kept up to date. Tip: If an account closure is already on file, you re not required to submit recurring sells. This step will be automated n-link. Click and it s done 97

98 Recurring sell of illiquid investments continued 5. A message will appear confirming the accounts that hold the selected funds. Click OK. 6. All accounts holding the selected investment will appear in the Investor Accounts panel. You can select or deselect all accounts using the buttons on the right hand side of the panel or individually tick the relevant accounts in the Recurring column. 7. Once the required accounts have been selected, click on the Clear Unselected button. This will remove all accounts you haven t selected. 8. Click Save. Tip: If an account already has a recurring sell nominated it won t appear in the Investor Accounts panel. 9. Click Validate. If an account fails validation, click on the account and click the View Message button. To exclude a failed account untick that account and click on Clear Unselected then Save and Validate again. 10. To print click Switching Instructions. Select the instructions to print then click Generate. 11. To submit, tick the Instruction Signed column. 12. Click Submit when you re complete n-link. Click and it s done 98

99 Bulk switch Using n-link, a Bulk Switch can save you a lot of time as you ll only need to perform one transaction for multiple clients. You can only select one product to sell in a bulk switch transaction. Processing a Bulk Switch to sell 1. From the n-link home page, click Bulk Switch in the Practice Management column. 2. The Bulk Switch module will now appear. All investor accounts or investors belonging to a specific Account Groups can be displayed by using the From group drop down option. Choose the Tax Optimisation Mode and Adviser Share Transaction Fee (if applicable). 3. To sell Funds, Shares or a SMA, click the Sell Investment button. To use excess cash click the Sell Cash button. 4. After determining what you want to sell and then clicking OK, n-link will automatically display the accounts that hold that particular investment. If no account holders have that investment, n-link will display an error message. 5. If a particular investor is included in the bulk switch and you d like exclude them from the switch, click the Selected column next to the investor s account to remove them from the bulk switch. You will then have to click on the clear unselected button. This will remove the accounts from the Investor Accounts section. 6. In the Sell panel, the product you are switching out of is displayed. The % Amount field defaults to 100%. You may amend the % amount. 7. For 100% sells, the Cancel Re-Invest and Cancel RBF fields become active. This means you can choose to cancel these facilities by keeping the default option on as Yes. 8. To switch the sale proceeds into another investment, click the Add Investment button within the Buy panel at the bottom of the screen. 9. The Available Products screen will appear. Place a tick in the column next to the investment (or multiple investments) to be purchased then click OK. 10. Similarly to Sell panel, the Buy panel will display 100% in the % Amount column for the first product displayed. To adjust the % click in the % Amount field. 11. Choose whether dividends are to be reinvested by click on the Reinvest Earnings drop down menu (not applicable for shares). Once you ve nominated the funds to be switched into, click the Save button. 12. Click the Validate button at the bottom of the page. If the validation fails for any investors, a message will be displayed. Click OK to continue. 13. The investor account that failed will be displayed in the Investor Accounts panel as indicated in the Validated field. To see why the validation failed, highlight the Account Name and click View Message. n-link. Click and it s done 99

100 Bulk switch continued 14. Click Switching Instructions to generate the bulk Switching Instructions forms. 15. Once you have received approval from your investors, you ll need to indicate which investors have given you permission, by placing a tick in the Instruct Signed column or the relevant investors. Important: Where the allocation is less than 100%, the surplus of funds will be added to the Cash Account. 16. Once investors have a tick in the Instruct Signed column, the Submit button becomes activated. When you click on the Submit button you will need to click the check box to confirm that you have complied with the requirements. Enter your n-link password in the Password field and click Authorise to complete the transaction. Important: For any accounts that have failed validation, you will need to remove them from the list by clicking in the Selected column to remove the tick and click the Clear Unselected button on the right. Click the Validate button again to make sure that the bulk switch has now validated successfully for the remaining investors. Switching instructions will remain inactive until you have revalidated without any failed validation n-link. Click and it s done 100

101 Share orders This facility displays all Share Orders placed. 1. From the n-link home page, click Share Orders under the Practice Management column. 2. You can search for Share Orders by either entering Investor Account Numbers, ASX Code, Status of Share Order or date range. Alternatively, you can click Find and all investor Share Orders will be displayed. 3. You can double click into the individual Share Orders to view more information. 4. Request Amend and Request Cancel will only illuminate if the share trade is at market and not yet executed n-link. Click and it s done 101

102 Corporate actions Using n-link you can accept discretionary corporate actions online, view the history of online acceptances or use the calendar to review the corporate actions on ASX listed shares. You can also register to receive notification of IPOs, Corporate Actions and Dividend/Interest Payment via Utilities/Preferences and Adviser Options tab. 1. The Online Acceptance screen will display current Corporate Actions. By highlighting the Corporate Action and clicking Show Investor Accounts Affected By Selected Corporate Actions this will display affected investors. Offer documents can also be accessed (where available) by clicking on the Show Offer Document. Responses can be entered by placing a tick next to the Investor Account Number and clicking Action. 2. Click Validate. 3. Then click Submit. Click on Receipt if you would like a copy of the receipt. 4. The Authorise Transaction window will appear. To proceed check the authorisation box and enter your n-link password. Click Authorise. 5. The Online Acceptance History displays a history of the previous corporate actions accepted online. 6. The Corporate Actions Calendar tab displays previous and current corporate actions when ASX Code, Type or dates are entered and Find is clicked. By highlighting the corporate action and clicking Show Investor Accounts affected by selected Corporate Action this will display affected investors. Tips: To receive notification of Corporate Actions and IPO announcements, go to Utilities, Preferences, Adviser Options tab then Alerts. A Corporate Action Receipt is available for your records, however the Corporate Action must be Submitted for the receipt to be valid n-link. Click and it s done 102

103 Fee linking A maximum of four eligible accounts can be linked and this may reduce the Administration fee on each account. 1. From the n-link home screen, click Fee Linking under the Practice Management column. This screen displays the number of Fee Linking Groups that currently exist. Each group is identified by the leading account number and leading account name. If no groups are displayed, fee linking has not been applied. 2. You can set up New Fee Linking Group, Close or Re-activate existing groups. 3. To set up a new group click the New button. In the new screen that appears, enter in the Group Name. Then click on the Members tab to add investors to the group n-link. Click and it s done 103

104 Fee linking continued 4. Click the Search button to add members to the account group. 5. In the screen that appears, you can filter your member search by Service and/or Status. Click Find to return to the Account Group screen and generated list of investor accounts. 6. Scroll through the list and when you find an investor account that you want to add to the group for fee linking, click Add. Continue until you have added all members to your new Fee Linking group. 7. To speed up the sorting process, click the Available column to sort the investor account list by availability. If an investor account is available to form part of a group the word Yes will be displayed next to their account name. 8. When you have completed your member list, confirm the relationship between members by clicking the Relationship button and defining the relationship via the options available in the drop down box within the new screen that appears n-link. Click and it s done 104

105 Fee linking continued 9. Click on the Fees tab to view the Fee Summary for the group including fee discounts. 10. When complete, click Submit at the bottom of the page. 11. In the Authorise Transaction screen, confirm that instructions have been received from the investor. Full Terms and Conditions can be viewed under the View Full Terms button. Enter your n-link password then Authorise to complete the fee linking n-link. Click and it s done 105

106 Create a Tailored Portfolio and link to an account group This function allows you to create new tailored portfolios and link investor groups to a specific model. Once the model portfolio has been created, it is a simple process to complete bulk transactions such as bulk reweighting. You can create as many tailored portfolios as you like for each MLC service. For example, you can create a portfolio for investors with an aggressive risk profile or for investors who have a balanced risk profile. Setting up a Tailored Portfolio 1. On the n-link home page, click Tailored Portfolios in the Practice Management column. The Tailored Portfolios screen is split into two panels, Adviser/Dealer Portfolios and ThreeSixty Model Portfolios. (To access ThreeSixty portfolios you must have a valid subscription). 2. Click the New button to create a new model portfolio. Alternatively if you would like to copy an existing model, highlight the model by clicking on it once then click Copy. A service screen will appear. Select from the drop down box the service you would like to use for the new (or copied) portfolio. Tip: Each model portfolio must be linked to a service. This means that if you wish to create similar portfolios for a MLC Navigator Investment Plan or MLC Wrap Investment, you must create the portfolio twice. This is due to each service having slightly different investment choices. 3. Create a name for the new model portfolio in the Portfolio Name in the Portfolio Summary screen. Click on Add Investments and in the Available Products screen using the Funds, Term Deposits, Shares and SMAs tabs, place a tick next to your selected investments, then click OK. In the Proposed % column, enter the percentage amount that each product should comprise of the total portfolio and then click Save. Important: The Proposed % column can not equal more than 100%. As you enter each proposed amount, the Cash column percentage will be reduced to reflect the percentage of the portfolio that has been allocated. For minimum liquidity purposes, you must have at least 1% in the cash account. 4. Once you have saved the proposed benchmarks, the proposed amount will copy to the Benchmark % column. The Proposed % can still be edited. For example, you can add more products as needed or remove any products that are not required by allocating a zero percentage. 5. Select the Sell Down button to set a default sell down order. Click the Custom Sell Down Order radio button in the Sell Down screen to move investment products up and down through the list to change the sell down order. Select Reinvestment of Earnings to set reinvestment options. 6. Select the History button to view the portfolio weighting and market exposure of the current benchmark. From this screen you can also see historical benchmarks. Any time you make changes to a benchmark, previous benchmarks will be saved here. Linking a Tailored Portfolio to an Account Group 7. Select the Linked Accounts button and link the portfolio template to a group of investors whom you would like to have this portfolio. This step is necessary before you can perform a bulk transaction such as a bulk reweight. In the Linked Accounts screen, click the Linked Investor Group button and select from the group of investors you would like to link the portfolio to. Tip: If the Investor Account Group does not appear in the screen, you need to create the group from the n-link home page. Once a group has been linked to a portfolio, the portfolio will no longer be linked to other groups. It is therefore best to create a specific group for each model portfolio you create. Any changes made to a group from the Account Groups module, eg adding or deleting members, will affect the portfolio model. If you selected the wrong group, you can use the Clear button to remove it. Alternatively, you can click the Linked Investor Group button and select another group. n-link. Click and it s done 106

107 Workflow reports Workflow Reports allows you to view the statuses of work requests. 1. From the n-link home screen, click Workflow Reports under the Practice Management column. A screen will appear and it will display a record of workflow statuses. Search Criteria panel allows you to enter your search parameters to locate the workflow report you are looking for. 2. Click on the Status button to view Workflow Status Report Legend 3. Once your parameters are entered, they will be colour coded in accordance with the legend. 4. Export Report will transfer the data to excel for you to manage n-link. Click and it s done 107

108 Adviser resources These options are web link shortcuts that will take you straight to the mlc.com.au website. Forms and Brochures This link takes you to the mlc.com.au web page. Superannuation Products This link takes you to the mlc.com.au web page, Superannuation tab > Product Information page. You can select the relevant Superannuation product under the Product Information column on the left. This section is for Adviser only. Investment Products This link takes you to the mlc.com.au web page, Investments tab> Product Information page. You can select the relevant Investment product under the Product Information column on the left. This section is for Adviser only. Life Insurance This link takes you to the mlc.com.au web page, Life Insurance > Product Information page. Here you can find information about MLC Insurance, Protectionfirst, Best Doctors and Riskfirst products. MLC Technical This link takes you to the mlc.com.au web page, Resource Centre > MLC Technical > Overview. MLC Technical provides you with articles from our Technical team covering the latest technical and legislative information for the financial planning industry. MLC Updates This link takes you to the mlc.com.au web page, Resource Centre tab > MLC Updates. Here you can find Latest News, Prices and Toolkits. n-link. Click and it s done 108

109 Navigator Data Feeds 110 Client Transfers 111 Adviser Details 112 Preferences Adviser Utilities and Security Security 114 n-link. Click and it s done 109

110 Navigator Data Feeds Data Feeds are found under the Utilities on the File Menu bar and allow you to export and import investor data. To register for data feeds, please complete the following form: cms/web/public/forms/nlink/ nlink agreement.html No more re-typing Go straight from the investor file to business lodgement from your planning software. New business applications Switches Additions Redemptions Automatically export and import the following investor data: Account opening Name Product name Title First name Last name Gender Contact details Account instructions Managed funds Shares Buy amounts Sell amounts Exporting Data Feed 1. Fill in the search criteria and click Find. 2. Select the account by clicking the left column and tick symbol will appear to indicate you are selecting that account. Then Press Export. 3. Select the Date parameters for the data. Select Full Historical Extract to export all investment transactions. 4. Select the location to export the data to the Output Directory and Click Export. Important: By exporting the file you acknowledge that it is your responsibility to handle this information in accordance with the Privacy Act 1988 (Cwlth). You can also view recent data feeds, choose the download directory and view current data feeds by viewing the other tabs. Exporting and importing data directly from Datafeeds Check Check with MLC Software Support if your dealer group has authorised you to make online transactions. Download Download the n-link application software from mlc.com.au secured site. Navigator page / Resource Centre / Technology / N-link / Download n-link now Call Call Adviser Services on if you have any questions. They can walk you through the process and handle any immediate questions. n-link. Click and it s done 110

111 Client Transfers Client Transfers are found under the Utilities on the File Menu bar and allow you to transfer investors from one Office to another. Performing a Client Transfer 1. Fill in the search criteria and click Find. 2. Select the Investor Account Name by clicking the left column and a tick symbol will appear to indicate you are selecting that account. Then press Update Office. 3. Select the Adviser Account and the Accounts Office then press Submit. 4. Fill in your n-link password to authorise the client transfer n-link. Click and it s done 111

112 Adviser Details Adviser Details are found under the Utilities on the File Menu bar and allows you to update Adviser Details. Amending Adviser Contact Details 1. Double click on the Adviser. 2. Add new or Edit/Delete old address, phone number or details. 3. A pop up screen will appear, Add, Edit or Delete the details and click Ok. Tip: Select the Preferred box to choose which detail is the Preferred contact. 1 2 n-link. Click and it s done 112

113 Preferences Preferences are found under the Utilities on the File Menu bar and allow you to customise n-link. Set up favoured preferences in this section including: Ongoing Service Fee Alerts Default Adviser Fees Favoured Investments Favoured Shares Favoured SMAs OLT Receipt Adviser Ongoing Service Fees Allows Adviser Ongoing Service Fees and Dealer Facilitation Fees (see Fees section on n-link Click and its done guide for more information) to be amended. Once complete click Save. Adviser Options Under Alerts you can select what notification to receive, what Term Deposit Notifications under Investor Correspondence and also set the Default Adviser Fee for trading. Once complete click Save. Favoured Investments Allows frequently used funds to display at the top of Available Products when doing an initial or additional investment. Once complete click Save. Favoured Shares Allows frequently used shares to display at the top of Available Products when doing an initial or additional investment. Once complete click Save. Favoured SMAs Allows frequently used SMAs to display at the top of Available Products when doing an initial or additional investment. Once complete click Save. OLT Receipts Allows you to select the OLT Transactions you would like to have receipts for. Once complete click Save. Reports Merging Order When Investor Reports are merged together they will display in this order. Once complete click Save. n-link. Click and it s done 113

114 Security The Security functionality on the File Menu bar has the following components: User Access Within User Access, sub-users accounts and the level of access and transaction levels can be created or amended for support staff. Once completed the new sub-users details will be ed to the new user. X-Plan Integration With X-Plan Integration an account can be created to a particular vendors requirements. This step must be set up prior to the Data feed being run. Investor Access Within Investor Access, the level of access, functionality and reporting can be set for investors who utilise Investor Online via the mlc.com.au website. User Activity Report This function provides an Activity Audit, and various Reports are displayed using the Find button. By double clicking on a record this will export the data to excel. Important: If the new sub-user will service more than one adviser (an office arrangement) select the Additional Details and tick the box Share sub-user within dealer group. An investor can only be granted Online Withdrawal access if they have a nominated bank account assigned to account, it cannot be used for pay anyone access. The withdrawal limits on investors is $2,000 per day and the funds must be available in the cash account. n-link. Click and it s done 114

115 Adviser Reporting 116 Investor Reporting Reporting Protection Reporting 118 Adviser Filing Cabinet 119 My Statements 120 Insured/Protected Investor 121 Research, History and Help 122 n-link. Click and it s done 115

116 Adviser Reporting Adviser Reporting On the n-link home page, click Report on the n-link tool bar to open the Reporting Centre. Click the Adviser Reporting tab to view the multiple reporting capabilities that you can access. The Adviser Reporting screen is displayed in five panels. These are: Report Contents Report Type Report Period Target LVR Summary Parameter Output Options Report Contents In this panel, you can modify report contents for: Adviser Account Service Investment Manager Investment Product Investor Account Closed Investor Accounts Report Type The Report Type panel displays all of the available reports that you can utilise. Click next to the report type and a tick symbol will appear to indicate you have selected that report type. Then click the Generate button on the right hand side to create the report type you requested. A new screen within the Generated Reports tab will appear summarising the report type. Alternatively, tick all generated reports required and click the Merge/Print button. Click the name and then the View Report button on the right hand side to open the report. Click Delete if you want to discard the report. Report Period Refine the parameters of the reports you require by tailoring the report periods using the various drop down menus to modify the report output by month, year, financial period and more. Target LVR Summary Parameter Refine the parameters of the reports you require by tailoring the LVR Summary by %. This is only relevant for Select Margin Lending offered on the MLC Navigator platform. Report Output Set up the pathway on your computer of where you would like the temporary report files to be stored. This can be useful when operating in a network environment that may have greater security controls on file creation. n-link. Click and it s done 116

117 Investor Reporting Select the investor s account On the n-link home page, click Account Search and in the account search, enter the Account Name. In the search results, click the Account Name followed by clicking the Report button on the main n-link menu. A new screen will appear with all the investor reporting capabilities that you can set up for your investor s online access. If you would like to produce reports for the more than one investor account (packaged reporting), then use the Advanced Search tab and select multiple investor accounts followed by clicking the Report button on the main n-link menu. Setting up investor reporting The Investor Reporting screen is displayed in four panels. These are: Investor Account Report Type Report Parameters Report Output Investor Account This panel displays the investor account that reports will be generated for. Report Type The Report Type panel displays the available reports that you can produce. Click next to the report type and a tick symbol will appear to indicate you are selecting that report for your investor. To generate your selected report(s), click the Generate button on the right hand side. To view the reports, navigate to the Generated Reports tab and then click the View Report button on the right hand side. Alternatively, tick all generated reports required and click the Merge/ Print button. Click Delete if you want to discard the report. Report Parameters Refine the parameters of the investor reports by using the various drop down menus to modify the report output by month, year, financial period and more. Report Output Set up the pathway on your computer of where you would like the temporary report files to be stored. n-link. Click and it s done 117

118 Protection Reporting On the n-link home page, click Report on the n-link tool bar. Click the Protection Reporting tab to view the multiple reporting capabilities that you can access. The Protection Reporting screen is displayed in four panels. These are: Investor Account Report Type Report Parameters Report Output Investor Account This panel displays the investor account that reports will be generated for. Report type The Report Type panel displays the available reports that you can produce. Click next to the report type and a tick symbol will appear to indicate you are selecting that report for your investor. To generate your selected report(s), click the Generate button on the right hand side. Click Delete if you want to discard the report. To view the reports, navigate to the Generated Reports tab and then click the View Report button on the right hand side. Alternatively, tick all generated reports required and click the Merge/ Print button. Important: Generated Adviser Reports are only stored for five days before they are deleted from n-link. Report Parameters Refine the parameters of the investor reports by using the various drop down menus to modify the report output by month, year, financial period and more. Report Output Set up the pathway on your computer where you would like the temporary report files to be stored. n-link. Click and it s done 118

119 Adviser Filing Cabinet On the n-link home page, click Report on the n-link tool bar. Click the Adviser Filling Cabinet tab to view the multiple reporting capabilities that you can access. The Adviser Filing Cabinet screen is displayed in two panels. These are: Report Search Criteria Matching Reports In the Adviser Filing Cabinet the dealer group has the most comprehensive viewing capabilities followed by the adviser and then sub users. With dealer group access, you can view reports and written correspondence sent to investors by one or multiple advisers within the dealer group. With adviser access, you can view reports and written correspondence sent to investors by yourself only. With all other sub-user access, depending on what has been set up in User Access will depend on what can be viewed. The same search criteria principle applies to all users viewing reports and correspondence in the Adviser Filling Cabinet. The only difference is the scope of what can be viewed as its dependent on the n-link access type. To view reports go to the Report Search Criteria panel. Then scroll through the Report Type drop down menu and select the report type you want to view. Determine the time frame parameters and enter these in the relevant fields. Finally, click the Find button to generate your search results. These will be account names that have received the report type by some method of correspondence with further details displayed in the Matching Results panel. Next to the Account Number, click the tick symbol column to select the report. From this point on, you have three options: View Highlighted Report View All Envelope Contents Save Copy of Ticketed Reports Select the option that best reflects what you want to view. This triggers n-link to generate an electronic copy of the report for you to view or save. Important: Generated Investor Reports are only stored for seven days before they are deleted from n-link. n-link. Click and it s done 119

120 My Statements On the n-link home page, click Report on the n-link tool bar. Click the My Statements tab to view available statements. The reporting function Statements can be viewed and downloaded from n-link. The below statements are available: Annual Statements (Investment) Annual PRP Mail outs Pension Payment Summaries Pension Review Superannuation Mail outs Important: Adviser reports on n-link are generally made available up to five days earlier than the scheduled mailing to investors and are accessible 24 hours a day. Viewing a Statement 1. On the n-link home page click the Report button on the n-link menu. A new screen will appear with the investor reporting capabilities. 2. Select the My Statements tab. Then double click on the Year and the statements from that year will populate. 3. Double click on the report and a PDF will open. Important: During statement period, you are notified via the MLC weekly that statements will be available to view on n-link (5 7 days before mail out). MLC do not list the investor names, therefore it is at the adviser s discretion to determine which statements are available. To save a copy, select the report and click on the download button. 2 n-link. Click and it s done 120

121 Insured / Protected Investor On the n-link home page click on Account Search. Tick the insurance box (deselect Platform) then either enter additional search parameters or click the Search button to find the insured investor. Then double click on the investor. Tip: For more details and exclusions on the risks double click on the Risk. 1. The Policy Details screen has four tabs: Policy Summary, Relationships, Requirements, Transaction Details and Archived Reports. 2. The Relationships tab details the relationships between the Life Insured, Owner of the account and Payer of the account. It also gives details on the address and phone number of the investor. 3. The break down of policy details are shown on the Requirements tab. Clicking on the tab will show any notes on it at the bottom of the page. 4. The Transaction Details tab details all billing and premium payments and gives a running balance. Refine the parameters of the transactions by using the various drop down menus to modify the output by description, category, created dates from/to and more. Important: To show reversals click the Show Reversals box on the right. 5. The Archived Reports tab displays all correspondence sent to the investor. Double click on the reports to view details n-link. Click and it s done 121