Unlocking WEALTH OPPORTUNITIES
|
|
- Eunice Harrington
- 5 years ago
- Views:
Transcription
1 Unlocking WEALTH OPPORTUNITIES ADVISER PRESENTATION March 2017
2 DISCLAIMER This communication is provided by National Australia Bank Limited ABN AFSL This information may constitute general advice. It has been prepared without taking account of an investor s objectives, financial situation or needs and because of that an investor should, before acting on the advice, consider the appropriateness of the advice having regard to their personal objectives, financial situation and needs. The tax consequences of investing will depend on an investor s particular circumstances. We recommend that independent advice including professional tax advice be sought before acting on any information in this communication. Before making any decision about whether to acquire or continue to hold a financial product you should obtain a copy of the relevant Product Disclosure Statement (PDS) available at Past performance is not a reliable indicator of future performance. The value of an investment may rise or fall with the changes in the market. The returns specified in this communication are reported before management fees and taxes. Any opinions expressed in this communication constitute our judgement at the time of issue and are subject to change. We believe that the information contained in this communication is correct and that any estimates, opinions, conclusions or recommendations are reasonably held or made as at the time of compilation. However, no warranty is made as to their accuracy or reliability (which may change without notice) or other information contained in this communication. This information is for adviser use only and is not intended to be distributed or used by retail clients. The case study example is hypothetical and for illustrative purposes only and should not be considered advice. The names and features do not represent any particular person or real outcomes. There is no guarantee that the performance stated will reflect actual outcomes and will vary depending on assumptions used for calculation purposes. All NAB Equity Builder loan applications are subject to approval and applicants will need to meet credit requirements. There are risks associated with gearing which may make this strategy unsuitable for some investors including that the value of your investments may rise and fall. The tax consequences of investing will depend on your particular circumstances. We recommend that you seek independent advice including professional tax advice before acting on any information in the case study. There are also risks associated with borrowing to invest. Some of these include, rising interest rates, and changes in taxation law which may have an effect on your financial position. 2
3 3 SUPER IS A BIG PART OF YOUR WEALTH STORY But it s not the whole story
4 DEMOGRAPHICS ARE CHANGING Number of People at that Age MILLION AUSTRALIANS AGED 30-50? That s almost 30% of the overall Australian population Age Source: ABS, as at
5 WHERE ARE THE OPPORTUNITIES? (000) 1,400 Mean household assets, debts and net worth by age cohort, ,200 1, Net Worth Other Assets Superannuation Other Property Home Home Debt Other Property Debt Other Debt Source: Household, Income and Labour Dynamics in Australia (HILDA) Survey 2014, 'How will Australians retire? Investigating retirement income outcomes in a low-return world' An independent report prepared for National Australia Bank by the Australian Centre for Financial Studies and Monash Business School,
6 WHAT S ON THEIR MIND? Too many decisions Scared of taking risks Work Goals Stress Bills Savings Time poor School fees Complicated Wealth Holidays Friends Need flexibility Too many decisions Family Super Financial freedom Home Mortgage Constant changes Commitments Busy Ageing parents Kids Divorce 6
7 WE CAN HELP WITH YOUR CLIENT GOALS 7
8 HELP YOUR CLIENTS BUILD WEALTH inside and outside of super Investment property Investment bonds Shares Managed funds GOALS USE YOUR OWN MONEY BORROW TO INVEST? 8
9 THE BENEFITS OF BORROWING TO INVEST Tax effective No margin calls Purpose fit investment loan In control 9
10 CHLOE S STORY MEET CHLOE Chloe is 25, works full time and dreams of owning a property in 10 years GOAL Buying a home in 10 years Is this enough to help her build a deposit? She earns $80,000 a year has $30,000 in bank shares She has $10,000 of spare cash-flow to invest each year 10
11 CHLOE BORROWS TO INVEST $30,000 Bank Shares Step 1 $30,000 Antares Dividend Builder SMA $70,000 Loan Antares Dividend Builder SMA Step 2 $100,000 Antares Dividend Builder SMA 11
12 CHLOE S REPAYMENTS OVER TEN YEARS $70,000 NAB Equity Builder loan Interest: 5% pa Term: 10 Years Repayments: $8,900 p.a. $3.4 $5.5 $3.1 $5.8 $2.8 $6.1 $2.5 $6.4 $2.2 $6.8 $1.8 $7.1 $1.4 $7.5 $1.1 $7.8 $0.7 $8.3 $0.2 $8.7 Amounts shown are in 000s Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Principal repayments Interest Note: The case study example is hypothetical and for illustrative purposes only and should not be considered advice. The names and features do not represent any particular person or real outcomes. There is no guarantee that the performance stated will reflect actual outcomes and will vary depending on assumptions used for calculation purposes.
13 DIVIDENDS AND FRANKING CREDITS HELP CHLOE REPAY HER LOAN $100,000 Antares Dividend Builder SMA $1.9 $5 $1.9 $5 $1.9 $5 $1.9 $5 $1.9 $5 $1.9 $5 $1.9 $5 $1.9 $5 $1.9 $5 $1.9 $5 Amounts shown are in 000s Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Dividend Yield Franking Credits Assumptions: Dividend yield of 5% p.a. and franking of 90%.
14 CHLOE ALSO RECEIVES A TAX BENEFIT REFUND $5,000p.a Dividend yield 90% Franked yield (Company tax of 30% already paid) $1,928 Franking credits (Income x franking level /(1-Company tax rate) $6,928p.a Grossed Up Income $6,928p.a Taxable income $3,500 Tax deductible interest from loan $3,428 33% Marginal Tax Rate $1,131 Tax payable $1,928 Franking credits $797 Tax refund Source: NAB. This is the scenario in Year 1, assuming 5% divienend income an90% franking, at a 33% marginal tax rate and a 5% interest rate on the $70K loan. 14
15 THE INCOME FROM CHLOE S PORTFOLIO COVERS THE BULK OF HER REPAYMENTS $5,000p.a Dividend yield $797 Tax refund $3,113p.a Chloe s contribution $8,910p.a Total loan repayment 15
16 AFTER TEN YEARS, CHLOE'S INVESTMENT HAS GROWN TO $135,000 $10,000 Repayment Net Share Portfolio $160,000 $9,000 $140,000 $8,000 $7,000 $120,000 $6,000 $100,000 $5,000 $80,000 $4,000 $60,000 $3,000 $2,000 $40,000 $1,000 $20,000 $- Start Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 $- 16 Source: NAB Equity Lending, NAB Asset Management. Assumptions: This is based on $100,00 Investment, and growth of 3%p.a. The income generated by the portfolio in not reinvested but goes towards funding the cost of the loan. At the end of the 10 year period, the principal and interest of the loan has been paid and the investment has grown to $135,000.
17 CHLOE HAS ACHIEVED HER GOAL $100,000 Chloe s initial investment $30,000 Chloe s initial contribution Fit for purpose loan 8% p.a Total return $60 per week ongoing contribution Diversification 5% p.a. Income 3% p.a.growth $135,000 $135,000 20% deposit on a $650,000 house Tax-effective Professional management 17
18 DEAN S STORY MEET DEAN Dean is 50, and by the time he s 60, would like to be working part time GOAL Generate an income of $25,000 p.a. in ten years time He has $75,000 to invest and because he owns his own home, he has strong cash flow 18
19 DEAN BORROWS TO INVEST $75,000 Cash Step 1 Step 2 $75,000 Antares Dividend Builder SMA $175,000 NAB Equity Builder NO MARGIN CALLS $250,000 Antares Dividend Builder SMA 19 Note: The case study example is hypothetical and for illustrative purposes only and should not be considered advice. The names and features do not represent any particular person or real outcomes. There is no guarantee that the performance stated will reflect actual outcomes and will vary depending on assumptions used for calculation purposes.
20 DEAN S REPAYMENTS OVER TEN YEARS $175,000 NAB Equity Builder loan Interest: 5% pa Term: 10 Years Repayments: $22,273 p.a. $8.4 $13.8 $7.7 $14.5 $7.0 $15.3 $6.2 $16.1 $5.4 $16.9 $4.5 $17.8 $3.6 $18.7 $2.6 $19.6 $1.6 $20.6 $0.6 $21.7 Amounts shown are in 000s Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10 Principal repayments Interest Note: The case study example is hypothetical and for illustrative purposes only and should not be considered advice. The names and features do not represent any particular person or real outcomes. There is no guarantee that the performance stated will reflect actual outcomes and will vary depending on assumptions used for calculation purposes.
21 AFTER TEN YEARS, DEAN S INVESTMENT HAS GROWN TO $500,000 $25,000 $20,000 $15,000 $10,000 $5,000 $- Interest Principal End of Year Portfolio Value Year 1 1 Year 2 2 Year 3 3 Year 4 4 Year 5 5 Year 6 6 Year 7 7 Year 8 8 Year 9 9 Year $500,000 $450,000 $400,000 $350,000 $300,000 $250,000 $200,000 $150,000 $100,000 $50,000 Source: NABAM 21
22 DEAN S CASHFLOW AFTER TAX $0p.a All income reinvested $1,142 Tax refund $21,131p.a Dean s contribution $22,273p.a Total loan repayment 22
23 DEAN HAS ACHIEVED HIS GOAL $250,000 Dean s initial investment $500,000 Size of Dean s portfolio Fit for purpose loan $25k His portfolio returns 5% p.a. Diversification 8% p.a Total return 5% p.a. Income 3% p.a. Growth 90% franked $500,000 $25k $9,642 $9,642 His franked dollar amount Tax-effective Professional management 23
24 MATT AND ZOE S STORY MEET MATT AND ZOE Zoe 35 is married to Matt 34 and they dream of being able to help their seven year old daughter Sophie a head start in life GOAL They want to either send her to private high school in five years time or help her with a deposit for her first home Zoe earns $130,000 p.a. and Matt earns $110,000 p.a. and they have savings of $30,000 to invest 24
25 MATT AND ZOE BORROW TO INVEST $30,000 Savings $70,000 NAB Equity Builder Loan Step 1 Step 2 $100,000 Investment $50,000 Australian shares fund $50,000 Global value fund 25 Note: The case study example is hypothetical and for illustrative purposes only and should not be considered advice. The names and features do not represent any particular person or real outcomes. There is no guarantee that the performance stated will reflect actual outcomes and will vary depending on assumptions used for calculation purposes.
26 MATT AND ZOE S REPAYMENTS OVER FIVE YEARS $70,000 NAB Equity Builder loan Interest: 5% pa Term: 5 Years Repayments: $15,850 p.a. $3.2 $12.6 $2.6 $13.2 $1.9 $13.9 $1.2 $ $15.4 Amounts shown are in 000s Year 1 Year 2 Year 3 Year 4 Year 5 Principal repayments Interest Note: The case study example is hypothetical and for illustrative purposes only and should not be considered advice. The names and features do not represent any particular person or real outcomes. There is no guarantee that the performance stated will reflect actual outcomes and will vary depending on assumptions used for calculation purposes.
27 MATT AND ZOE S CASH FLOW AFTER TAX $0p.a All income reinvested $925 Tax refund $14,925p.a Matt and Zoe s contribution $15,850p.a Total loan repayment 27 Note: The case study example is hypothetical and for illustrative purposes only and should not be considered advice. The names and features do not represent any particular person or real outcomes. There is no guarantee that the performance stated will reflect actual outcomes and will vary depending on assumptions used for calculation purposes.
28 AFTER FIVE YEARS MATT AND ZOE S INVESTMENT HAS GROWN TO $187,000 $200,000 $180,000 $160,000 $140,000 $120,000 $100,000 $80,000 $60,000 $40,000 $20,000 $0 Antare's High Growth Share Fund Altrinsic Global Equities Trust 28 Note: NAB Asset Management, Morningstar. Assumptions: This is based on $100,000 investment and the income generated by the portfolio being reinvested. At the end of the 5 year period, the principal and interest of the loan has been paid and the investment has grown to $187,000. In this example, the $50,000 invested in the Altrinsic Global Equities Trust has grown to $101,000 and the $50,000 invested in the Antares High Growth Share Fund has grown to $86,000.
29 MATT AND ZOE HAVE ACHIEVED THEIR GOAL $100,000 Matt and Zoe s initial investment $30,000 Matt and Zoe s initial contribution Fit for purpose loan 10.70% p.a. Total return $287 $187,000 per week ongoing contribution Diversification Tax-effective $187,000 20% 75% deposit on a $950,000 house or cost of school fees Professional management 29 Note: The cost of private school fees is estimated to be $250,000 per child based on data sourced from the 2017 ASG Planning for Education Index. Indicative guide only does not take into account your personal circumstances or objectives.
30 LETS IMPLEMENT THIS New NAB Equity Builder Loan with existing MLC Wrap & MLC Navigator account STEP 1 STEP 2 STEP 3 STEP 4 STEP 5 Complete the following forms: 1. NAB Equity Builder application form 2. NAB Equity Builder loan request form Run a Detailed Portfolio Valuation report for your client via N-Link to identify existing MLC Wrap investments to be used as loan security (client s deposit) Post the following documentation to NAB Equity Lending: 1. NAB Equity Builder application form 2. Evidence of income 3. NAB Equity Builder loan request form 4. Detailed Portfolio Valuation report Address: NAB Equity Lending Level 5, 500 Bourke et Melbourne VIC 3000 The NAB Equity Lending team will review your loan application and provide approval subject to standard credit requirements On approval, a welcome letter and client login details to the NAB Equity Lending secure website will be posted to the client. The NAB Equity lending secure website allows you and your client to keep track of the investments and loan. Please note: If you re a new adviser to NAB Equity Lending, you ll receive adviser login details by post. STEP 6 STEP 7 STEP 8 STEP 9 Transfer client s existing investments and/or cash to NAB Equity Lending The NAB Equity Builder loan is set up including the principal and interest repayment schedule Following the assessment of the new investment request your client s total investment amount will be credited to their MLC Wrap or MLC Navigator account. You can then allocate your client s investments. 30 Please Note: The total time taken for new investments to be processed, will be driven by the time involved to manage the client s equity contribution, and the MLC Wrap and MLC Navigator processing time for new investments. All loans are subject to NAB credit approval, and all investments are subject to NAB LVR assessment. This process is a summary only, and more information may be required to approve the loan, and process the investment. For further information please see the NAB Equity Builder how to operate your facility guide at
31 LETS IMPLEMENT THIS New NAB Equity Builder Loan with new MLC Wrap & MLC Navigator account STEP 1 STEP 2 STEP 3 STEP 4 STEP 5 Complete the following forms: 1. NAB Equity Builder application form 2. NAB Equity Builder loan request form Open an MLC Wrap or MLC Navigator IDPS account. Post the following documentation to NAB Equity Lending: 1. NAB Equity Builder application form 2. Evidence of income 3. NAB Equity Builder loan request form 4. Detailed Portfolio Valuation report Address: NAB Equity Lending Level 5, 500 Bourke et Melbourne VIC 3000 The NAB Equity Lending team will review your loan application and provide approval subject to standard credit requirements On approval, a welcome letter and client login details to the NAB Equity Lending secure website will be posted to the client. The NAB Equity lending secure website allows you and your client to keep track of the investments and loan. Please note: If you re a new adviser to NAB Equity Lending, you ll receive adviser login details by post. STEP 6 STEP 7 STEP 8 STEP 9 Transfer client s existing investments and/or cash to NAB Equity Lending The NAB Equity Builder loan is set up including the principal and interest repayment schedule Following the assessment of the new investment request your client s total investment amount will be credited to their MLC Wrap account You can then allocate your client s investments. 31 Please Note: The total time taken for new investments to be processed, will be driven by the time involved to manage the client s equity contribution, and the MLC Wrap and MLC Navigator processing time for new investments. All loans are subject to NAB credit approval, and all investments are subject to NAB LVR assessment. This process is a summary only, and more information may be required to approve the loan, and process the investment. For further information please see the NAB Equity Builder how to operate your facility guide at
32 FAQS ABOUT THIS STRATEGY Why wouldn t I use my home loan? What about margin calls? Is now a good time to invest? 32
33 HELPING YOU WITH YOUR CLIENT CONVERSATIONS Client brochure Conversation starters Client case studies Client video Client seminar in a box Client case studies Kids a headstart House deposit Super supplement Short animated video Client need Client solution Seminar Invitation Thank you letter Thank you Event guide Feedback form 33
34 EXPLORE THE OPPORTUNITIES IN YOUR BUSINESS Data on client segmentation Product specialist Client seminar Review model portfolios Helping hand to implement strategy 34
35 ADVISER JOURNEY 1 Insight discussion 2 Follow-up Client 4 presentation First 6 application Client video Case studies Conversation starters Objection handling Client brochure Adviser toolkit templates Adviser testimonial video Client presentation Seminar in a box templates Equity lending process map on MLC Wrap and MLC Navigator platform templates Adviser presentation Joint 3 appointment Portfolio 5 Solution Client 7 solution templates Adviser presentation Thank you 35
RG97 FAQ New fee and cost disclosure requirements
RG97 FAQ New fee and cost disclosure requirements 30 September 2017 Table of contents Background to the new disclosure requirements... 3 About the new disclosure requirements... 4 1. Are there any changes
More informationRG97 FAQ New fee and cost disclosure requirements. Updated 30 September 2017
ADVISER USE ONLY RG97 FAQ New fee and cost disclosure requirements Updated 30 September 2017 Table of contents Background to the new disclosure requirements... 2 About the new disclosure requirements...
More informationNABTRADE WEBINAR BORROWING TO INVEST VISHAL TECKCHANDANI MODERATOR 23 NOVEMBER 2017
NABTRADE WEBINAR BORROWING TO INVEST VISHAL TECKCHANDANI MODERATOR 23 NOVEMBER 2017 Information in this presentation is current as at 23 November 2017 GENERAL ADVICE WARNING Any advice contained in this
More informationExpand your investment opportunities with SMAs Accessible through the MLC Wrap and MLC Navigator platforms
Expand your investment opportunities with SMAs Accessible through the MLC Wrap and MLC Navigator platforms Find the best fit for you Separately Managed Account (SMA) model portfolios are a way for you
More informationFor advıser use only. Expand your clients investment opportunities with SMAs Accessible through the MLC Wrap and MLC Navigator platforms
For advıser use only Expand your clients investment opportunities with SMAs Accessible through the MLC Wrap and MLC Navigator platforms Find the best fit for your clients Separately Managed Account (SMA)
More informationIncome Distribution FAQs
Income Distribution FAQs June 2018 These FAQs explain income distributions from MLC s managed funds. Managed funds are also known as managed investment trusts and unit trusts. There are some important
More informationAntares Direct Separately Managed Accounts Product Disclosure Statement
Antares Direct Separately Managed Accounts Product Disclosure Statement ARSN 147 194 983 Dated: 15 June 2015 Issued by The Responsible Entity, Antares Capital Partners Ltd ABN 85 066 081 114 AFSL 234483
More informationMLC Wholesale funds. 1. Distributions for FY2017. Annual distribution commentary, 2017 financial year
On Friday, 30 June 2017 the (Funds) made their last distribution for the 2017 financial year (FY2017), including those Funds that are offered through: MLC MasterKey Investment Service Fundamentals MLC
More informationProduct Disclosure Statement
MLC Investment Trust Product Disclosure Statement MLC Wholesale Horizon 7 Accelerated Growth Portfolio Preparation date: 22 October 2009 Issued by: The Trustee, MLC Investments Limited A National Australia
More informationAntares Dividend Builder Product Disclosure Statement
Antares Dividend Builder Product Disclosure Statement ARSN 115 694 794 Dated: 8 August 2014 Contents 1. About Antares Capital Partners Ltd 2. How the Antares Dividend Builder works 3. Benefits of investing
More informationCash Account Income Fund
Cash Account Income Fund Product Disclosure Statement 2 October 2010 Important information Navigator Australia Limited ABN 45 006 302 987 AFSL 236466 ( Navigator, our, we or us ) is the issuer of this
More informationblueprint Investment Plan Series 2
blueprint Investment Plan Series 2 Supplementary Financial Services Guide Preparation date 1 February 2017 Issued by Navigator Australia Limited ABN 45 006 302 987 AFSL 236466 This is a Supplementary Financial
More informationJBWERE CASH TRUST Product Disclosure Statement
JBWERE CASH TRUST Product Disclosure Statement This PDS is a summary of significant information, and contains references to further important information in the Fee Flyer (which forms part of the PDS).
More informationNAB. Super Lever. Product Disclosure Statement 25 May 2012
NAB Super Lever Product Disclosure Statement 25 May 2012 1 Issued by National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 Contents This Product Disclosure Statement
More informationAntares Income Fund Product Disclosure Statement
Antares Income Fund Product Disclosure Statement ARSN 165 643 756 Dated: 1 July 2014 Contents 1. About Antares Capital Partners Ltd 6. Fees and costs 2. How the Antares Income Fund works 7. How managed
More informationProduct Disclosure Statement (PDS) for Ex-employee Members and Spouse Members of
Product Disclosure Statement (PDS) for Ex-employee Members and Spouse Members of National Australia Bank Group Superannuation Fund A MySuper compliant Issued by the Trustee: PFS Nominees Pty Ltd ABN 16
More informationPortfoliofocus - Premium Investment Service Series 2
Portfoliofocus - Premium Investment Service Series 2 Supplementary Financial Services Guide Preparation date 19 March 2018 This is a Supplementary Financial Services Guide (SFSG) that supplements the information
More informationNAB. Equity Lending. Product Disclosure Statement Effective
NAB Equity Lending Product Disclosure Statement Effective 01.12.10 1 Contents This Product Disclosure Statement (PDS) is a summary of significant information and contains a number of references to important
More informationMACQUARIE EQUITY LEVER ADVISER PRESENTATION
MACQUARIE EQUITY LEVER ADVISER PRESENTATION Important information This information is current as at July 2012. This information has been prepared by Macquarie Bank Limited ABN 46 008 583 542, AFSL 237502
More informationThe tax components will be available mid July This information will be available on mlcinvestmenttrust.com.au.
Background On Saturday, 30 June 2018 the last cash distribution for the 2018 financial year (FY2018) will be made to investors in the MLC Wholesale funds, including those that are offered through: MLC
More informationMLC Wrap Super. (including super service and pension service) Product Guide. MLC Wrap. Preparation date: 17 January 2011
MLC Wrap MLC Wrap Super (including super service and pension service) Product Guide Preparation date: 17 January 2011 Issued by: NULIS Nominees (Australia) Limited (Trustee) ABN 80 008 515 633 AFSL 236465
More informationdirect margin lending.
direct margin lending. Product Disclosure Statement 28 February 2017 Issued by Bell Potter Capital Limited ABN 54 085 797 735 AFSL No. 360457 Dated 28 February 2017 1 Contents This Product Disclosure Statement
More informationYour super essentials
Your super essentials Plum Superannuation Fund for new members of the Plum Personal Plan Product Disclosure Statement (PDS) Contents 1 About the Plum Superannuation Fund 2 How super works 3 Benefits of
More informationVanguard International Property Securities Index Fund Product Disclosure Statement
Vanguard International Property Securities Index Fund Product Disclosure Statement 7 November 2011 This Product Disclosure Statement (PDS) is issued by Vanguard Investments Australia Limited ABN 72 072
More informationVentura International Shares Fund
Product Disclosure Statement Ventura International Shares Fund ARSN 099 585 145 Read this This Product Disclosure Statement (PDS) provides a summary of significant information and contains a number of
More informationFinancial Services Guide.
Financial Services Guide. Money made simple. Wealth Market Pty Ltd Level 17, 135 King Street, Sydney NSW 2000 AFSL No. 482898 ABN 56 128 350 112 P 1800 011 471 E hello@wealthmarket.com wealthmarket.com
More informationStatement of Advice. Prepared for. Mr. Walter Gannon. Prepared by. Tracy Burton
Statement of Advice Prepared for Mr. Walter Gannon Prepared by Tracy Burton Authorised Representative Number: 15326 128 Cemex St.,Turramurra NSW 2074 02 9440 5555 Authorised representative of Burton Financial
More informationREDPOINT ACTIVE AUSTRALIAN EQUITY FUND PRODUCT DISCLOSURE STATEMENT. Dated: 1 June 2015 CONTENTS
REDPOINT ACTIVE AUSTRALIAN EQUITY FUND PRODUCT DISCLOSURE STATEMENT Dated: 1 June 2015 ARSN 167 659 056 Issued by: The Responsible Entity, Antares Capital Partners Ltd ABN 85 066 081 114, AFSL 234483 Investment
More informationGetting on top of your debt
Getting on top of your debt PREPARED BY: CLEARSTONE WEALTH 1 July 2017 Important information and disclaimer This presentation has been prepared by ClearStone Wealth Ply Ltd. Corporate Authorised No. 1249432.
More informationResearch Choice. MyNorth Managed Portfolios
Managed Portfolios MyNorth Managed Portfolios About Managed Portfolios The Managed Portfolios are offered by NMMT Limited (NMMT), and expertly constructed and managed by the AMP Research team. There are
More informationAntares Australian Equities Fund Product Disclosure Statement
Antares Australian Equities Fund Product Disclosure Statement ARSN 090 827 802 Dated: 1 July 2014 Contents 1. About Antares Capital Partners Ltd 2. How the Antares Australian Equities Fund works 3. Benefits
More informationYour super essentials
Your super essentials Worsley Alumina Superannuation Fund Defined Contribution Division Product Disclosure Statement (PDS) Trustee: PFS Nominees Pty Ltd ABN 16 082 026 480 AFSL 243357 Preparation date:
More informationLeverage our expertise in your client s portfolios For adviser use only.
Grow your business with SMAs Leverage our expertise in your client s portfolios For adviser use only. What are SMAs? Separately Managed Accounts (SMAs) are a way of directly investing in equities and other
More informationGuide to BT Margin Lending. November 2010
Guide to BT Margin Lending November 2010 Contents 1 What s a margin loan? 2 Why use a margin loan? 3 How does a margin loan work? 5 Managing risk, not taking risks 8 Start a regular savings investment
More informationIOOF Balanced Investor Trust
Issued: 16 December 2013 IOOF Balanced Investor Trust Product Disclosure Statement This Product Disclosure Statement (PDS) is issued by IOOF Investment Management Limited ABN 53 006 695 021 AFSL 230524,
More informationFinancial Services Guide.
Financial Services Guide. Money made simple. Wealth Market Pty Ltd Level 17, 135 King Street, Sydney NSW 2000 AFSL No. 482898 ABN 56 128 350 112 P 1800 011 471 E hello@wealthmarket.com wealthmarket.com
More informationSmart strategies for your super 2012/13
Smart strategies for your super 2012/13 Make your super count Superannuation is still one of the best places to accumulate wealth and save for your retirement. The main reason, of course, is the favourable
More informationIn specie transfer guidelines
In specie transfer guidelines MLC Navigator Investment Plan MLC Navigator Retirement Plan October 2010 INFORMATION FOR ADVISERS N A V I G A T O R Contents In brief.................................................
More informationFinancial Services Guide
Financial Services Guide 2 January 2018 This Financial Services Guide (FSG) is issued by: JBWere Limited (JBWere) ABN 68 137 978 360, AFSL 341162 jbwere.com.au Contents The purpose of this FSG 3 How we
More informationNAB EQUITY BUILDER. September National Australia Bank Limited ABN AFSL and Australian Credit Licence
NAB EQUITY BUILDER September 2018 2018 National Australia Bank Limited ABN 12 004 044 937 AFSL and Australian Credit Licence 230686 Contents By using this Product Brochure you will be able to understand:
More informationChanges to emerging markets strategy in MLC s Inflation Plus portfolios
Changes to emerging markets strategy in MLC s Inflation Plus portfolios March 2017 This material is not for circulation to retail investors. Important information This information is provided by MLC Investments
More informationNetcash Product Disclosure Statement
Netcash Product Disclosure Statement 1 October 2017 APIR code NET0034AU ARSN 601 890 475 This Product Disclosure Statement ( PDS ) is a summary of significant information you need to make a decision about
More informationAntares Elite Opportunities Fund Product Disclosure Statement
Antares Elite Opportunities Fund Product Disclosure Statement ARSN 102 675 641 Dated: 1 July 2014 Contents 1. About Antares Capital Partners Ltd 2. How the Antares Elite Opportunities Fund works 3. Benefits
More informationManaged Account. Product Disclosure Statement. 3 July Part 1 of the Managed Account
Product Disclosure Statement 3 July 2017 Part 1 of the Product Disclosure Statement Netwealth Investments Limited ABN 85 090 569 109 AFSL 230975. Responsible Entity of the Netwealth ARSN 604 930 252. This
More informationIn specie transfer guidelines
In specie transfer guidelines Portfoliofocus Premium Investment Service Portfoliofocus Premium Retirement Service March 2017 INFORMATION FOR ADVISERS Contents In brief....1 Guidelines for in specie transfers
More informationShar e inves ting: as easy as a managed fund. Easy, isn t it! Separately Managed Account
Shar e inves ting: > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > > as easy as a managed fund Easy, isn t it! Separately Managed Account I n f o r m
More informationManaged Account. Managed Model Profiles. Morningstar. 19 April 2018
Managed Account Managed Model Profiles 19 April 2018 Morningstar Morningstar Diversified Income Portfolio Morningstar Moderate Portfolio Morningstar Balanced Portfolio Morningstar Growth Portfolio Morningstar
More informationPORTFOLIO LENDING. Product Disclosure Statement 26 June 2015
PORTFOLIO LENDING. Product Disclosure Statement 26 June 2015 Issued by Bell Potter Capital Limited ABN 54 085 797 735 AFSL No. 360457 Contents This Product Disclosure Statement contains the following information:
More informationVanguard International Small Companies Index Fund
Product Disclosure Statement 1 November 2018 Vanguard International Small Companies Index Fund This Product Disclosure Statement (PDS) is issued by Vanguard Investments Australia Ltd ABN 72 072 881 086
More informationNAB WEALTH BUILDER. Product Disclosure Statement. Dated 18 December Issued by National Australia Bank Limited ABN AFSL
NAB WEALTH BUILDER. Product Disclosure Statement Dated 18 December 2017 Issued by National Australia Bank Limited ABN 12 004 044 937 AFSL 230686 PDS GENERAL INFORMATION Issuer and contact details This
More informationANZ OneAnswer Investment Portfolio Supplementary Product Disclosure Statement 10 September 2003
ANZ OneAnswer Investment Portfolio Supplementary Product Disclosure Statement 10 September 2003 This supplementary Product Disclosure Statement (PDS) should be read in conjunction with the ANZ OneAnswer
More informationVanguard International Shares Index Fund (Hedged) NZD Class
Product Disclosure Statement 1 November 2018 Vanguard International Shares Index Fund (Hedged) NZD Class This Product Disclosure Statement (PDS) is issued by Vanguard Investments Australia Ltd ABN 72 072
More informationVanguard International Shares Index Fund (Hedged) AUD Class
Product Disclosure Statement 6July2016 Vanguard International Shares Index Fund (Hedged) AUD Class This Product Disclosure Statement (PDS) is issued by Vanguard Investments Australia Ltd ABN 72 072 881
More informationMLC Wrap Self Managed Super. Service Guide. MLC Wrap. Preparation date: 17 January 2011
MLC Wrap MLC Wrap Self Managed Super Service Guide Preparation date: 17 January 2011 Issued by: Navigator Australia Limited (NAL) ABN 45 006 302 987 AFSL 236466 MLC Wrap MLC Wrap Self Managed Super Supplementary
More informationAdvanced Debt Management Strategies
Advanced Debt Management Strategies About the author Stephen Vick is the Managing Director and founder of Nexus Private Wealth Management. Stephen holds a Bachelor of Business majoring in Banking/Finance
More informationANZ FIXED INCOME FUND PRODUCT DISCLOSURE STATEMENT
ANZ FIXED INCOME FUND PRODUCT DISCLOSURE STATEMENT 29 SEPTEMBER 2017 CONTENTS 1. About OnePath Funds Management Limited 1 2. How the Fund works 2 3. Benefits of investing in the Fund 3 4. Risks of managed
More informationFC ONE Series 2. Adviser use only. Introducing. FC ONE Series 2. Briefing pack. Dated: 17 February 2014
FC ONE Series 2 Adviser use only Introducing FC ONE Series 2 Briefing pack Dated: 17 February 2014 About the information in this pack This information has been prepared as an information service to authorised
More informationANZ Share Investment Loan PRODUCT DISCLOSURE STATEMENT (PDS) 23 MAY 2016
ANZ Share Investment Loan PRODUCT DISCLOSURE STATEMENT (PDS) 23 MAY 2016 This page is intentionally blank Table of Contents 1. About ANZ and the ANZ Share Investment Loan 2. The benefits of an ANZ Share
More informationPERPETUAL S POOLED SUPER TRUST Product Disclosure Statement
PERPETUAL S POOLED SUPER TRUST Product Disclosure Statement CONTENTS 1. About Perpetual s Pooled Super Trust 2 2. How super works 2 3. Benefits of investing with Perpetual s Pooled Super Trust 2 4. Risks
More informationVanguard Australian Corporate Fixed Interest Index Fund
Product Disclosure Statement 1 November 2018 Vanguard Australian Corporate Fixed Interest Index Fund This Product Disclosure Statement (PDS) is issued by Vanguard Investments Australia Ltd ABN 72 072 881
More informationGlobal Specialist Series Active 90/10 High Growth Fund Product Disclosure Statement
Global Specialist Series Active 90/10 High Growth Fund Product Disclosure Statement 4 May 2018 APIR code NET0008AU ARSN 094 493 035 This Product Disclosure Statement ( PDS ) is a summary of significant
More informationActive 70/30 Growth Fund
Product Disclosure Statement 17 August 2016 Active 70/30 Growth Fund APIR code NET0013AU ARSN 150 915 816 This Product Disclosure Statement ( PDS ) is a summary of significant information you need to make
More informationFINANCIAL SERVICES GUIDE
FINANCIAL SERVICES GUIDE Effective 3 October 2016 CONTENTS About this document 1 Financial services and products we are authorised to provide 2 Who does NAB act for when providing financial services? 3
More informationVanguard International Small Companies Index Fund (Hedged)
Product Disclosure Statement 1 July 2017 Vanguard International Small Companies Index Fund (Hedged) This Product Disclosure Statement (PDS) is issued by Vanguard Investments Australia Ltd ABN 72 072 881
More informationA A fresh guide start to managing redundancies
A fresh guide start to managing redundancies A A fresh guide start to managing 2015 2016redundancies 2013/14 Preparation date 03 March 2014 Issued by The Trustee, MLC Nominees Pty Ltd (MLC) ABN 93 002
More informationA A fresh guide start to managing redundancies
A fresh guide start to managing redundancies A A fresh guide start to managing 2014 2015redundancies 2013/14 Preparation date 03 March 2014 Issued by The Trustee, MLC Nominees Pty Ltd (MLC) ABN 93 002
More informationWealth Accelerator. IDPS Guide 21 September Issuer/operator details: Netwealth Investments Limited ABN AFSL
Wealth Accelerator IDPS Guide 21 September 2017 Issuer/operator details: Netwealth Investments Limited ABN 85 090 569 109 AFSL 230975 This IDPS Guide has been prepared and issued by Netwealth Investments
More informationMake your super count Smart strategies for
Make your super count Smart strategies for 2014 2015 Superannuation is one of the best places to accumulate wealth and save for your retirement. The main reason, of course, is the favourable tax treatment.
More informationSuperannuation Caps and changes- update. Presented by Jenneke Mills Senior Technical Consultant MLC Technical Services MLC Advice and Professionalism
Superannuation Caps and changes- update Presented by Jenneke Mills Senior Technical Consultant MLC Technical Services MLC Advice and Professionalism Superannuation Caps & changes- update SUPERANNUATION:
More informationImportant information
Important information This workbook is intended to provide general information only and has been prepared by MLC Limited (ABN 90 000 000 402 AFSL 230694 without taking into account any particular person's
More informationFinancial Services Guide
Financial Services Guide Protection Advice 1 November 2018 This Financial Services Guide (FSG) is issued by: JBWere Limited (JBWere) ABN 68 137 978 360, AFSL 341162 jbwere.com.au Contents The purpose of
More informationMLC Wholesale Index Plus Product Guide
MLC Wholesale Index Plus Product Guide Preparation date 5 July 2017 Issued by: The Trustee and Responsible Entity, MLC Investments Limited ABN 30 002 641 661 AFSL 230705 The purpose of this Product Guide
More informationLife. A journey worth planning.
Life. A journey worth planning. Our journey Since 1988, Silvan Ridge has been offering financial planning, investment and insurance advice to the people of Warrnambool and its surrounding region. Over
More informationPERPETUAL CASH MANAGEMENT FUND
PERPETUAL CASH MANAGEMENT FUND Product Disclosure Statement CONTENTS 1. About Perpetual Investment Management Limited 2. How Perpetual Cash Management Fund works 3. Benefits of investing in Perpetual Cash
More informationVanguard Growth Index Fund
Product Disclosure Statement 1 November 2018 Vanguard Growth Index Fund This Product Disclosure Statement (PDS) is issued by Vanguard Investments Australia Ltd ABN 72 072 881 086 AFSL 227263 (Vanguard,
More informationCHANGE OF DETAILS FORM ALTRINSIC GLOBAL EQUITIES TRUST
Responsible Entity: Antares Capital Partners Ltd ABN 85 066 081 114 AFSL 234483 A member of the NAB Group of companies CHANGE OF DETAILS FORM ALTRINSIC GLOBAL EQUITIES TRUST Before completing this form
More informationSuper Living Strategies for superannuation 2006/2007
Super Living Strategies for superannuation 2006/2007 This brochure is published by MLC Limited (ABN 90 000 000 402), 105 153 Miller Street, North Sydney, NSW 2060. It is intended to provide general information
More informationImportant Information
Financial Services Guide Version 11.0 Preparation Date: 1 October 2017 Important Information This Financial Services Guide, which includes the Representative Profile presented with it, is designed to clarify
More informationA guide to managing redundancies
A guide to managing redundancies A fresh start 2016 2017 Regardless of what your next steps might be this guide may help you effectively manage your new financial position better. Contents A fresh start
More informationARSN APIR Code MLC7849AU
MLC Wholesale Index Plus Conservative Growth Portfolio Product Disclosure Statement (PDS) ARSN 618 813 077 APIR Code MLC7849AU Important information This PDS summarises significant information about the
More informationSafeguarding you and your family
Your guide to insurance Contents Why insurance matters 1 Types of cover 3 What s right for me? 4 Safeguarding you and your family Life is unpredictable. From day to day we control what we can and generally
More informationPIC Wholesale Index Plus Balanced Portfolio
PIC Wholesale Index Plus Balanced Portfolio Product Disclosure Statement (PDS) APIR code MLC4447AU Important information This PDS summarises significant information about the PIC Wholesale Index Plus Balanced
More informationFinancial Services Guide. Version 10 Date: 3 October 2016
Financial Services Guide Version 10 Date: 3 October 2016 The documents you will receive from us About our Licensee Financial Services Guide This Financial Services Guide (FSG) is designed to clarify who
More informationAustralian Unity Investments Strategic Fixed Interest Trust Wholesale units
Australian Unity Investments Strategic Fixed Interest Trust Wholesale units Product Disclosure Statement - 22 June 2012 Issued by: Australian Unity Funds Management Limited ( AUFM Responsible Entity )
More informationFinancial Services Guide
Financial Services Guide Version 10 Date: 3 October 2016 The documents you will receive from us About our Licensee Financial Services Guide This Financial Services Guide (FSG) is designed to clarify who
More informationPIC Wholesale Index Plus Conservative Growth Portfolio
PIC Wholesale Index Plus Conservative Growth Portfolio Product Disclosure Statement (PDS) APIR code MLC5068AU Important information This PDS summarises significant information about the PIC Wholesale Index
More informationVanguard Cash Plus Fund
Product Disclosure Statement 1 November 2018 Vanguard Cash Plus Fund This Product Disclosure Statement (PDS) is issued by Vanguard Investments Australia Ltd ABN 72 072 881 086 AFSL 227263 (Vanguard, we,
More informationVanguard International Property Securities Index Fund (Hedged)
Product Disclosure Statement 1 November 2018 Vanguard International Property Securities Index Fund (Hedged) This Product Disclosure Statement (PDS) is issued by Vanguard Investments Australia Ltd ABN 72
More informationVanguard Global Infrastructure Index Fund
Product Disclosure Statement 1 November 2018 Vanguard Global Infrastructure Index Fund This Product Disclosure Statement (PDS) is issued by Vanguard Investments Australia Ltd ABN 72 072 881 086 AFSL 227263
More informationIncome protection Claims
Income protection Claims At MLC, we want to make this difficult time more manageable for you and your family. This brochure explains our claims process, what we will expect of you in relation to your claim
More informationFinancial Services Guide
Financial Services Guide Version 7 Date: 3 October 2016 The documents you will receive from us Financial Services Guide This Financial Services Guide ( FSG ) is designed to clarify who we are and what
More informationZurich Investments Small Companies Fund Class D
Zurich Investments Small Companies Fund Class D Product Disclosure Statement Zurich Investments Small Companies Fund Class D ZUR7150AU Product Disclosure Statement (PDS) Issue date 15 June 2018 Strategic
More informationAdviser use only. Introducing. PremiumChoice Series 2. Briefing pack. Dated: 3 February 2014
PremiumChoice Series 2 Adviser use only Introducing PremiumChoice Series 2 Briefing pack Dated: 3 February 2014 About the information in this pack This information has been prepared as an information service
More informationGlobal Specialist Series Australian Equities Index Fund Product Disclosure Statement
Global Specialist Series Australian Equities Index Fund Product Disclosure Statement 1 October 2017 APIR code NET0001AU ARSN 094 491 853 This Product Disclosure Statement ( PDS ) is a summary of significant
More informationPerpetual Wholesale Funds
Perpetual Wholesale s Supplementary Product Disclosure Statement number 1 dated 14 September 2011 for Product Disclosure Statement issue number 6 dated 1 June 2011 Issued by Perpetual Investment Management
More informationHELPING YOU UNDERSTAND AND TAKE CONTROL OF YOUR FINANCIAL GOALS
HELPING YOU UNDERSTAND AND TAKE CONTROL OF YOUR FINANCIAL GOALS 1 Contents Introducing financial wellbeing 1 What is financial wellbeing? 1 The impact of finances on our physical and mental health 2 Taking
More informationGlobal Specialist Series Australian Property Index Fund Product Disclosure Statement
Global Specialist Series Australian Property Index Fund Product Disclosure Statement 16 May 2018 APIR code NET0010AU ARSN 094 492 654 This Product Disclosure Statement ( PDS ) is a summary of significant
More informationFinancial Services Guide
Financial Services Guide Version 13 Date: 01 November 2018 Important Information about our Licensee Financial Services Guide This Financial Services Guide (FSG) is designed to clarify who we are and what
More informationVanguard Australian Property Securities Index Fund
Product Disclosure Statement 1 July 2017 Vanguard Australian Property Securities Index Fund This Product Disclosure Statement (PDS) is issued by Vanguard Investments Australia Ltd ABN 72 072 881 086 AFSL
More informationVanguard Cash Plus Fund
Product Disclosure Statement 1 July 2017 Vanguard Cash Plus Fund This Product Disclosure Statement (PDS) is issued by Vanguard Investments Australia Ltd ABN 72 072 881 086 AFSL 227263 (Vanguard, we, us
More information