BT SuperWrap Investment Options Booklet BT SuperWrap Personal Super Plan BT SuperWrap Pension Plan

Transcription

1 BT SuperWrap Options Booklet BT SuperWrap Personal Super Plan BT SuperWrap Pension Plan The distributor of BT SuperWrap is BT s. The Administrator of BT SuperWrap is BT Portfolio Services. The issuer of BT SuperWrap is: BT s ABN Level 20, 275 Kent Street Sydney NSW 2000 Ph: Date issued - 24 May 2016

2 Options Booklet About this Options Booklet This is the Options Booklet for the SuperWrap Personal Super Plan and SuperWrap Pension Plan ('SuperWrap'). SuperWrap is part of the super fund known as Retirement Wrap ABN The issuer of SuperWrap and trustee of Retirement Wrap is BT s ABN AFSL ('BTFM', 'we', 'us', 'Trustee'). Before applying for SuperWrap Personal Super Plan or SuperWrap Pension Plan, it is important that you consider the Product Disclosure Statement ('PDS') and the Additional Information Booklet ('AIB') for SuperWrap. The PDS and the AIB are available free of charge from you adviser or can be accessed via investorwrap.com.au. General Advice Warning The information in this Booklet is general information only and does not take into account your individual objectives, financial situation or needs. Consequently, before acting on the information, you should consider whether it is appropriate for you in light of your objectives, financial situation and needs. To obtain advice or more information about SuperWrap or the investments offered through SuperWrap, you should speak to an Australian financial services licensee or an authorised representative. Eligibility SuperWrap is only available to investors who receive the PDS in Australia and where applicable, have an Australian licensed or authorised adviser who is registered to distribute SuperWrap. The Trustee and the Administrator may at their discretion refuse to accept applications from particular persons or classes of persons. in SuperWrap The Trustee and the Administrator are subsidiaries of Westpac Banking Corporation ABN AFSL ('Westpac'). Apart from any interest investors may have in underlying bank accounts held at Westpac through their SuperWrap Cash Account or Westpac securities acquired through SuperWrap, an investment in SuperWrap is not an investment in, deposit with, or any other liability of Westpac or any other company in the Westpac Group. s in SuperWrap are subject to investment risk, including possible delays in payment of withdrawal proceeds and income payments, and loss of principal invested. None of the Trustee, Westpac or any other company in the Westpac Group stands behind or otherwise guarantees the capital value or investment performance of Retirement Wrap or any investments in SuperWrap. Consent to be named The Administrator and the Distributor have given and not withdrawn their consent to the disclosure documents containing information referable to them in the form and context in which that information appears. They have not issued or caused the issue of the disclosure documents and are not responsible for any other statements in the disclosure documents which are not referable to them. Page 2 of 39

3 Options Booklet About the options The Options Booklet contains information on the investment strategies available within SuperWrap, and the range of investment options within each strategy that are available for your SuperWrap account. The investment options available in SuperWrap include wholesale managed funds and listed securities. This Options Booklet includes general information about each type of available investment strategy, and the following specific information on each available managed fund investment option: # managed fund name # fund manager # APIR code # Fee Measure # SRM Risk Band # Holding Limit # Limit Buffer. The specific information on each listed security investment option includes the: # security name # ASX code # Holding Limit # Limit Buffer. Before investing in any investment option in SuperWrap, it is important that you understand the features of that specific investment option. If you are considering a particular managed fund or listed security you should ensure you read and understand: # the Product Disclosure Statement or relevant disclosure document and Product Profile for the managed fund or # the relevant Listed Security Profile for the listed security. You have a right to receive these current disclosure documents free of charge and on request from your adviser or us. Before investing you should also refer to the SuperWrap PDS and Additional Information Booklet for further information on the key features of the investment options. strategies SuperWrap provides a range of diversified managed, sector specific managed and sector specific direct investment strategies for you to choose from. Each investment strategy then offers a number of investment options that fall within that strategy. All of the strategies (except the sector specific direct investment strategies) are invested in managed funds. Each investment strategy has an investment objective that covers the aim of the investment strategy, how it is normally invested and the type of investor for whom it is intended to be suitable. Your adviser can help you to determine which investment strategy is right for you and they can also help you to select the appropriate investment options within that strategy. In the descriptions of the diversified managed investment strategies set out in this Options Booklet, indicative asset allocation ranges are provided. These provide a guide to how the assets of most of the managed funds within the relevant strategy will normally be invested by the fund manager. These indicative ranges are provided for guidance only and some fund Page 3 of 39

4 Options Booklet managers may invest the assets of a particular managed fund in a way that falls outside of these ranges periodically while still maintaining the same strategic investment objective. The Trustee may change the investment strategies and the investment options made available in SuperWrap at any time. If the Trustee removes an investment option that you are invested in, you will be notified and your balance in that option may be transferred to your Cash Account. Page 4 of 39

5 Options Booklet Important information Your investment in SuperWrap is not guaranteed. The value of your investment can rise and fall depending on the investment returns achieved by the investment options you select. In participating in SuperWrap, you (and your representative, if you have appointed one) are solely responsible for selecting the investment options in which you invest. The Trustee and the Administrator are not responsible for the investment options you decide to invest in and are not liable for any loss or damage you may incur as a result of you deciding to invest in, or withdraw from, a particular investment option. Note: investment returns can be volatile and past performance is not a reliable indicator of future performance. Fee Measure - managed fund investment options We set out in this Options Booklet the applicable 'Fee Measure' for each managed fund investment option. The Fee Measure is a measure of the fees and certain costs in a financial year (excluding any establishment, contribution or withdrawal fees) which would be incurred by investors in the relevant managed fund. It is a useful way to compare investments in terms of fees and costs. The Fee Measures disclosed in this document relate to the underlying managed fund investment options only and do not include any fees and costs paid directly to the Trustee or the Administrator from your SuperWrap account. Each Fee Measure is calculated by adding the fees of the underlying managed fund together with specified costs and dividing this amount by the average net asset value of the managed fund. Costs such as brokerage incurred by the fund manager are not normally included. It should be noted that where the underlying managed fund has dollar charges associated with the investment the Fee Measure does not take into account these costs. The Fee Measures disclosed in this document are provided by [external investment research providers] and are not verified by the Trustee. The method of calculation of the Fee Measures is not uniform and does vary between managed funds. This should be considered when comparing investment options, and you should refer to the underlying disclosure documents for the relevant managed funds to obtain more information about the applicable fees and costs. The Fee Measures disclosed in this document are generally current as at 30 June More recent Fee Measures may be disclosed for managed fund investment options that became available after 1 July 2011 or if the Administrator is notified by fund managers of updated Fee Measures. Refer to the Product Disclosure Statement or other disclosure document for the managed fund for more information regarding fees and costs. The Fee Measure may be described in these documents as an 'Indirect Cost Ratio' or by some other terminology. Holding Limits and Limit Buffers for investment options The Trustee imposes certain limits on the amount of your account that may be invested in listed security investment options, certain managed fund investment options and across the range of investment options available under the alternative asset fund investment strategy. Where an Holding Limit applies, if at any time the value of your investment in the investment option, or across the investment strategy, as a percentage of your account exceeds the Holding Limit, you will not be permitted to purchase any further s in that investment option or investment strategy until such time as the value of your s, as a percentage of your account moves below the Holding Limit. Monitoring of Holding Limits - Notification where exceeds Holding Limit plus Limit Buffer Each quarter the Trustee will monitor your account to ensure that the value of your, in any investment option or across any investment strategy where an Holding Limit applies, does not, as a percentage of the total value of your account, exceed the Holding Limit plus the Limit Buffer for the investment option or investment strategy. If at any of these times the value of your does exceed the Holding Limit plus the Limit Buffer, you or your adviser will be notified by the Trustee. The applicable Holding Limit and Limit Buffer for each investment option are set out in the tables of investment options in this Options Booklet. Page 5 of 39

6 Options Booklet Standard Risk Measure The Standard Risk Measure is based on industry guidance to allow investors to compare investment options that are expected to deliver a similar number of negative annual returns over any 20 year period. The Standard Risk Measure is not a complete assessment of all forms of investment risk, for instance it does not detail what the size of a negative return could be or the potential for a positive return to be less than an investor may require to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return. Investors should still ensure they are comfortable with the risks and potential losses associated with their chosen investment option/s. The Standard Risk Measure is general information only and does not take into account your personal financial situation or needs. You may wish to consult a licensed financial adviser to obtain financial advice that is tailored to suit your personal circumstances. Risk Band Risk Label Estimated number of negative annual returns over any 20 year period 1 Very low Less than Low 0.5 to less than 1 3 Low to medium 1 to less than 2 4 Medium 2 to less than 3 5 Medium to high 3 to less than 4 6 High 4 to less than 6 7 Very high 6 or Greater Page 6 of 39

7 Options Booklet options Diversified managed investment strategies Growth Standard risk measure Time frame objective Risk bands 6-7 (High to very high) Recommended for five years or more To provide investors with growth over rolling five year periods through higher exposure to growth assets such as shares and property, with some fixed interest and cash investments. s in this strategy will suit investors who want to grow the value of their investment over the long term and accept that returns over the short term will fluctuate and may even be negative. Indicative ranges Growth assets 70% - 100% Defensive assets 0% - 30% Balanced Standard risk measure Time frame objective Risk bands 3-5 (Low-medium to medium-high) Recommended for five years or more To provide investors with growth over rolling five year periods through a balanced exposure to growth assets (such as shares and property) and income producing assets (such as fixed interest and cash investments). s in this strategy will suit investors who want a balanced exposure to growth and income producing assets and accept that returns over the short term will fluctuate and may even be negative. Indicative ranges Growth assets 40% - 70% Defensive assets 30% - 60% Conservative Standard risk measure Time frame objective Risk bands 1-2 (Very low to low) Recommended for three years or more To provide investors primarily with income and also some growth over rolling three year periods through an investment portfolio consisting mainly of fixed interest and cash investments, but which normally will also have some exposure to growth assets such as shares and property. s in this strategy will suit investors who prefer a higher exposure to income producing investments, while having limited exposure to growth investments and accept that returns over the short term will fluctuate and may even be negative. Indicative ranges Growth assets 0% - 40% Defensive assets 60% - 100% Page 7 of 39

8 Options Booklet Sector specific managed investment strategies Australian shares Standard risk Risk bands 6-7 (High to very high) measure Time frame Recommended for five years or more objective International shares Standard risk measure Time frame objective Property securities Standard risk measure Time frame objective Global REITs Standard risk measure Time frame objective Direct property Standard risk measure Time frame objective To provide investors with growth to the value of their investments over rolling five year periods primarily through exposure to Australian shares in a variety of market sectors. Within this strategy funds may have a specific focus such as smaller companies or employ internal leverage. s in this strategy will suit investors who want to grow the value of their investment over the long term and accept that returns over the short term will fluctuate and may even be negative. Risk bands 6-7 (High to very high) Recommended for five years or more To provide investors with growth to the value of their investments over rolling five year periods primarily through exposure to shares from around the world (including Australia), in a variety of countries, geographical regions and industry sectors with no limit on the amount that can be invested in any one country, sector or region. Within this strategy funds may have a specific focus such as smaller companies or employ internal leverage. s in this strategy will suit investors who are seeking to invest in international share markets through a managed investment vehicle and who accept that returns over the short term will fluctuate and may even be negative. Risk bands 5-7 (Medium-high to very high) Recommended for five years or more To provide investors with income and some growth to the value of their investments over rolling five year periods through exposure primarily to property related listed securities in Australia and New Zealand and/or global property related listed securities. s in this strategy will suit investors who want mostly income returns while maintaining some growth in the value of their investment over the long term and accept that returns over the short term will fluctuate and may even be negative. Risk bands 4-6 (Medium to high) Recommended for five years or more To provide investors with growth to the value of their investments over rolling five year periods through exposure primarily to property related listed securities around the world(excluding Australia). s in this strategy will suit investors who want to grow the value of their investments over the long term and accept that returns over the short term will fluctuate and may even be negative. Risk bands 4-6 (Medium to high) Recommended for five years or more To provide investors with income and some growth to the value of their investments over rolling five year periods through exposure primarily to direct property. s in this strategy may have internal leverage and could experience limited liquidity due to the direct property exposure and therefore may have delays in redemptions. s in this strategy will suit investors who want mostly income returns while maintaining some growth in the value of their investment over the long term and accept that returns over the short term will fluctuate and may even be negative. Australasian fixed interest Standard risk Risk bands 1-4 (Very low to medium) measure Time frame Recommended for three years or more objective To provide investors with returns that are above inflation and cash over rolling three year periods through exposure to Australian and New Zealand fixed interest securities. s in this strategy will suit investors who want to maintain the value of their investment over the medium term and accept that returns over the short term will fluctuate and may even be negative. Page 8 of 39

9 Options Booklet International fixed interest Standard risk Risk bands 1-4 (Very low to medium) measure Time frame Recommended for three years or more objective To provide investors with returns that are above inflation and cash over rolling three year periods through exposure to fixed interest securities from around the world (including Australia) with no limit on what or how much can be invested in any one country or region. s in this strategy will suit investors who want to diversify their investment portfolio whilst aiming to maintain the value of their investment over the medium term and accepting that returns over the short term will fluctuate and may even be negative. Alternative asset 1 (formerly Hedge) Standard risk Risk bands 4-7 (Medium to very high) measure Time frame Recommended for three years or more objective To provide investors with returns uncorrelated to the direction of the share and bond markets. s in this strategy may not be managed to track a specific index, such as the All Ordinaries, Dow Jones or MSCI, may invest in both physical securities and derivatives and may use leverage with a clear goal to deliver an absolute return to investors. They will suit investors who are seeking uncorrelated returns and who are willing to accept greater levels of risk than traditional investment strategies. Short term fixed interest (formerly Cash Plus) Standard risk Risk bands 1-2 (Very low to low) measure Time frame Recommended for one year or more objective To provide investors with returns that are higher than cash over rolling one year periods through exposure to a range of cash, fixed interest securities and directly, or indirectly, in first ranking mortgages (which may reduce liquidity). s in this strategy will suit investors seeking returns slightly higher than those available from cash investments and want to maintain the value of their investment over the short term. Cash Standard risk Risk bands 1-2 (Very low to low) measure Time frame objective Recommended for one year or more To provide investors with returns that are above at call bank deposit rates through exposure to a range of short term securities, government and bank backed securities and corporate securities. s in this strategy will suit investors seeking high investment liquidity for short periods with a low risk of capital loss. Sector specific direct investment strategies Listed Australian shares Risk return profile High risk Time frame Recommended for five years or more objective To provide investors with returns higher than fixed interest securities over rolling five year periods through exposure to a choice of listed securities on the ASX. s in this strategy will suit investors who want to manage their own portfolio of listed Australian securities and accept a high level of risk associated with this type of investment and the possibility of negative returns in any year. Listed trusts (including Property) Risk return profile High risk Time frame Recommended for five years or more objective To provide investors with growth in the value of their investment over rolling five year periods though exposure to a choice of listed property securities and investment trusts available on the ASX. s in this strategy will suit investors seeking to invest in listed property and investment trusts and who accept a high level of risk associated with this type of investment and the possibility of negative returns in any year. Listed debt securities (Australian Fixed Interest) Risk return profile Moderate risk Time frame Recommended for three years or more objective To provide investors with returns that are above inflation and cash over rolling three year periods through exposure to a choice of listed debt securities. s in this strategy will suit investors who want to manage their own portfolio of listed Australian debt securities and accept a moderate level of risk associated with this type of investment. The Trustee may change the investment strategies for SuperWrap at any time. The Trustee will notify you of any such changes. 1. Some of the alternative asset investment options have characteristics that are different to other managed fund investment options. These characteristics include infrequent pricing of units (eg monthly rather than daily or weekly pricing) and possible extended delays in processing withdrawals or redemptions (eg in some cases 5 months or more depending on the liquidity of underlying assets). Before deciding to invest in an alternative asset investment option you should consult your adviser and ensure you read and understand the relevant offer document and Product Profile for the relevant alternative asset investment option. Page 9 of 39

10 Options Booklet Standard Risk Measures for Exchange Traded s (ETFs), Listed Companies (LICs) and Listed Trusts (LITs) The Trustee has applied a Standard Risk Measure (SRM) to Exchange Traded s (ETFs), Listed Companies and Listed Trusts (together 'listed securities'). For more information on these types of listed securities please refer to The SRM Risk Band applicable to these listed securities is based on the underlying asset class and is generalised as follows: Listed Security Strategy SRM Risk Band Risk Label Australian Shares listed securities 6 to 7 High to Very high International Shares listed securities 6 to 7 High to Very high Fixed Interest and Bonds listed securities 1 to 4 Very low to Medium Commodity listed securities 7 Very high Currency listed securities 7 Very high For information on the SRM please refer to the "Your Options" in the additional information booklet of the PDS. Page 10 of 39

11 Options Booklet options - Managed funds name APIR code manager Fee Measure SRM Risk Band Australian Fixed Interest Aberdeen Australian Fixed Income CRS0004AU Aberdeen Asset % 0.00 % Aberdeen Inflation linked Bond CRS0008AU Aberdeen Asset % 0.00 % Advance Aust FI Multi-Blend ADV0084AU Advance Asset % 0.00 % All Star KFM Income VEN0007AU Ventura % 0.00 % AMP Capital Corporate Bond AMP0557AU AMP Capital Investors % 0.00 % Class A AMP Capital WS Plus Corporate BTA0474AU BTFM % 0.00 % Bond Australian Unity Altius Bond WFS0486AU Australian Unity s % 0.00 % BlackRock Indexed Australian BGL0105AU BlackRock % 0.00 % Bond (Australia) BT Australian Fixed Interest Index ADV0064AU Advance Asset % 0.00 % BT Pure Alpha Fixed Income BTA0441AU BT (RE) % 0.00 % BT W/S Multi-manager Fixed BTA0260AU BT Financial Group % 0.00 % Interest BT Wholesale Enhanced Credit RFA0100AU BT % 0.00 % Aust Fixed BT Wholesale Fixed Interest RFA0813AU BT % 0.00 % BT WS Plus Fixed Interest BTA0547AU BTFM % 0.00 % CFS Wholesale Australian Bond FSF0027AU Colonial First State % 0.00 % Challenger GIF 4.55 cents p.a. MLT0005AU Challenger Life % 0.00 % 30/09/17 Challenger GIF 4.85 cents p.a MLT0006AU Challenger Life % 0.00 % 30/09/18 Challenger GIF 7.50c pa HOW0056AU Challenger International % 0.00 % 30Jun2017 MV$1 Group Challenger GPF - 30 June 2017 HOW0095AU Challenger International % 0.00 % Group Challenger GPF - 30 June 2021 HOW0096AU Challenger International Group % 0.00 % Core Plus Australian Fixed Income JBW0038AU Goldman Sachs Asset % 0.00 % DDH Fixed Interest DDH0006AU DDH Graham % 0.00 % Franklin Australian Absolute Return FRT0027AU Franklin Templeton % 0.00 % Bond s Goldman Sachs Enhanced Income JBW0018AU Goldman Sachs Asset % 0.00 % Who Goldman Sachs Income Plus JBW0016AU Goldman Sachs Asset % 0.00 % Wholesa Henderson Australian Fixed Interest IOF0046AU Henderson Global Investors (Australia) s Henderson Tactical Income IOF0145AU Henderson Global Investors (Australia) s Kapstream W/S Absolute Return Income Fun Balanced Ironbark LHP Diversified s Fd HOW0052AU HFL0104AU Challenger International Group Certitude Global s % 0.00 % % 0.00 % % 0.00 % % 0.00 % Page 11 of 39

12 Options Booklet name APIR code manager Fee Measure SRM Risk Band Legg Mason Diversified Trust JPM0008AU Legg Mason Asset % 0.00 % Australia Maple-Brown Abbott Diversified MPL0001AU Maple-Brown Abbott % 0.00 % MLC Wholesale Horizon 3 MLC0398AU MLC s % 0.00 % Conservative Gro MLC Wholesale Horizon 4 MLC0260AU MLC s % 0.00 % Balanced Portfol North Profess Moderately IPA0080AU IPAC Asset % 0.00 % Conservative North Professional Balanced IPA0077AU IPAC Asset % 0.00 % OnePath Wholesale Balanced AJF0802AU OnePath s % 0.00 % Trust Perpetual Diversified Real Return PER0556AU Perpetual s % 0.00 % Perpetual W/S Diversified Growth PER0114AU Perpetual s % 0.00 % Russell Balanced - Class A RIM0001AU Russell % 0.00 % Russell Diversified 50 - Class RIM0003AU Russell % 0.00 % A Russell Portfolio Series Balanced RIM0024AU Russell % 0.00 % A Schroder Balanced - SCH0102AU Schroder % 0.00 % Wholesale Class Schroder Real Return CPI +5% - WS SCH0047AU Schroder % 0.00 % SSgA Retirement Lifestyle Provider SST0053AU State Street Global Advisors % 0.00 % Stonehouse Core Value Portfolio SLT0037AU Select Asset % 0.00 % Third Link Growth TGP0014AU Treasury Group % 0.00 % Services UBS Balanced SBC0815AU UBS Global Asset (Australia) % 0.00 % UBS Tactical Beta - Balanced UBS0041AU UBS Global Asset Australia () % 0.00 % UBS Tactical Beta - UBS0036AU UBS Global Asset % 0.00 % Conservative Australia () Vanguard Balanced Index VAN0108AU Vanguard s % 0.00 % Ventura Diversified 50 - ClassVEN0028AU A Cash Australia Ventura % 0.00 % Advance Cash Multi Blend ADV0069AU Advance Asset % 0.00 % DDH Cash - IDPS DDH0009AU DDH Graham % 0.00 % IOOF Cash Trust - AUX0021AU IOOF % 0.00 % Class D Mercer Term Deposit MIN0046AU Mercer % 0.00 % Nominees Mutual Cash Term Dep and Bank Bills PRM0010AU Mutual % 0.00 % Perpetual Exact Market Cash PER0258AU Perpetual s % 0.00 % UBS Cash SBC0811AU UBS Global Asset % 0.00 % (Australia) Vanguard Cash Reserve VAN0020AU Vanguard s % 0.00 % Australia WBC Term Deposit 185d 01- DEC % WBC2391TD Westpac Banking Corporation % 0.00 % WBC Term Deposit 1yr 30-MAY-17 WBC2392TD Westpac Banking % 0.00 % 2.70% Corporation WBC Term Deposit 3yr 30-MAY-19 WBC2393TD Westpac Banking % 0.00 % 2.65% Corporation WBC Term Deposit 5yr 30-MAY-21 WBC2394TD Westpac Banking % 0.00 % 3.10% Corporation Page 12 of 39

13 Options Booklet name APIR code manager Fee Measure SRM Risk Band WBC Term Deposit 94d 01-SEP-16 WBC2390TD 2.65% Short term fixed interest Westpac Banking Corporation % 0.00 % Aberdeen Australian Floating Rate CSA0029AU Aberdeen Asset % 0.00 % Income Acadian Defensive Income FSF0973AU Acadian Asset % 0.00 % (Class A) (Australia) BT W/S Enhanced Cash WFS0377AU BT % 0.00 % EQT Wholesale Mortgage Income ETL0122AU Equity Trustees % 0.00 % Henderson Cash Enhanced IOF0047AU Henderson Global % 0.00 % Investors (Australia) s IOOF MultiMix Cash Enhanced IOF0091AU IOOF % 0.00 % Trust MIF PRM0015AU Mutual % 0.00 % UBS Cash Plus SBC0812AU UBS Global Asset % 0.00 % (Australia) Vanguard Cash Plus VAN0102AU Vanguard s % 0.00 % Australia Conservative Aberdeen Multi-Asset Income CRS0001AU Aberdeen Asset % 0.00 % Advance Defensive Multi-Blend ADV0049AU Advance Asset % 0.00 % AMP Capital Conservative AMP0443AU AMP Capital Investors % 0.00 % Class A Atrium Evolution Series - Class 5 COL0029AU Atrium % 0.00 % BlackRock Scientific Diversified Stable BAR0811AU BlackRock (Australia) % 0.00 % BlackRock W/S Managed Income PWA0821AU BlackRock (Australia) % 0.00 % Blue Sky Alliance Fd: Abs Rtn UnitsCOL0018AU SRA Alliance Pty % 0.00 % BT Sustainable Conservative RFA0811AU BT % 0.00 % BT W/S Monthly Income Plus BTA0318AU BT % 0.00 % BT W/S Multi-manager BTA0222AU BT Financial Group % 0.00 % Conservative BT Wholesale Conservative BTA0805AU BT % 0.00 % Outlook CFS FC Multi-Index Conservative Class A FSF1414AU Colonial First State s % 0.00 % CFS Wholesale Conservative FSF0033AU Colonial First State % 0.00 % Ibbotson Conservative Growth INT0034AU Ibbotson Associates % 0.00 % Trust Australia IOOF MultiMix Conservative Trust IOF0095AU IOOF % 0.00 % LDI Connect 3 Portfolio SLT0032AU Select Asset % 0.00 % Mercer Income Plus MIN0027AU Mercer % 0.00 % Nominees Perpetual W/S Conservative Growth PER0077AU Perpetual s % 0.00 % Russell Conservative - Class RIM0002AU Russell % 0.00 % A Russell Portfolio Series RIM0023AU Russell % 0.00 % Conservative A UBS Defensive SBC0814AU UBS Global Asset (Australia) % 0.00 % Vanguard Conservative Index VAN0109AU Vanguard s % 0.00 % Australia Ventura Conservative - Class VEN0029AU Ventura % 0.00 % A Page 13 of 39

14 Options Booklet name APIR code manager Fee Measure SRM Risk Band Direct Property AMP Capital Core Property AMP1015AU AMP Capital Investors % 0.00 % Class A AMP Wholesale Australian NML0001AU National Mutual s % 0.00 % Property AUI Property Income YOC0100AU Australian Unity s % 0.00 % Charter Hall Direct Industrial MAQ0844AU Charter Hall % 0.00 % No.3 Spire USA ROC III (AUD) ETL0460AU Spire Capital Pty % 0.00 % Growth Aberdeen Multi-Asset Real Return CRS0002AU Aberdeen Asset % 0.00 % Advance Growth Multi-Blend ADV0085AU Advance Asset % 0.00 % Advance High Growth Multi- ADV0087AU Advance Asset % 0.00 % Blend Fnd Atrium Evolution Series - Class 9 COL0031AU Atrium % 0.00 % Aust Ethical Diversified Shares AUG0019AU Australian Ethical % 0.00 % BlackRock Scientific Div Growth BAR0813AU BlackRock % 0.00 % (Australia) Blue Sky Alliance Fd:Real Return COL0019AU SRA Alliance Pty % 0.00 % Units BT W/S Multi-manager Growth BTA0223AU BT Financial Group % 0.00 % BT W/S Multi-manager High BTA0246AU BT Financial Group % 0.00 % Growth BT Wholesale Active Balanced RFA0815AU BT % 0.00 % BT Wholesale Future Goals BTA0125AU BT % 0.00 % CFS Wholesale High Growth FSF0498AU Colonial First State % 0.00 % Ibbotson Dynamic Defensive Trust ASK1212AU Ibbotson Associates Australia % 0.00 % Ibbotson Dynamic Growth Trust ASK1209AU Ibbotson Associates % 0.00 % Australia Ibbotson Growth Trust INT0038AU Ibbotson Associates % 0.00 % Australia Ibbotson High Growth Trust INT0042AU Ibbotson Associates % 0.00 % Australia IOOF MultiMix Growth Trust IOF0097AU IOOF % 0.00 % LDI Connect 7 Portfolio SLT0030AU Select Asset % 0.00 % Mercer Growth Plus MIN0021AU Mercer % 0.00 % Nominees MLC Wholesale Horizon 5 Growth MLC0265AU MLC s % 0.00 % Portfolio MLC Wholesale Horizon 6 Share MLC0397AU MLC s % 0.00 % Portfolio North Professional High Growth IPA0079AU IPAC Asset % 0.00 % North Select Active Growth IPA0078AU IPAC Asset % 0.00 % OnePath Wholesale Managed MMF0115AU OnePath s % 0.00 % Growth Perpetual W/S Balanced Growth PER0063AU Perpetual s % 0.00 % PineBridge Global Dynamic Asset PER0744AU PineBridge s % 0.00 % Allocati Russell Growth - Class A RIM0004AU Russell % 0.00 % Russell High Growth - Class A RIM0034AU Russell % 0.00 % Russell Portfolio Series Growth RIM0025AU Russell % 0.00 % A Select Real Return SLT0002AU Select Asset % 0.00 % Page 14 of 39

15 Options Booklet name APIR code manager Fee Measure SRM Risk Band SSgA Retirement Lifestyle SST0054AU State Street Global Advisors % 0.00 % Sustainer UBS Tactical Beta (Growth) UBS0037AU UBS Global Asset % 0.00 % Australia () Vanguard Growth Index VAN0110AU Vanguard s Australia % 0.00 % Vanguard High Growth Index VAN0111AU Vanguard s Australia % 0.00 % Ventura Growth 70 -Class A VEN0027AU Ventura % 0.00 % Ventura Growth 90 VEN0032AU Ventura % 0.00 % Ventura High Growth 100 VEN0009AU Ventura % 0.00 % Zurich Managed ZUR0059AU Zurich % 0.00 % Growth Alternative Asset Advance Alt Strategies Multi Blend ADV0159AU Advance Asset % 0.00 % AQR Wholesale Delta - Class PER0554AU Perpetual s % 0.00 % 1F AQR Wholesale Managed Futures PER0634AU Perpetual s % 0.00 % - Clas Aspect Diversified Futures FSF1086AU Colonial First State % 0.00 % Class A Bennelong Kardinia Absolute BFL0010AU Bennelong s % 0.00 % Return BlackRock Aust Equity Absolute MAL0079AU BlackRock % 0.00 % Ret (Australia) Blue Sky Alliance Fd:Dynamic COL0020AU SRA Alliance Pty % 0.00 % Macro Units BR Multi Opportunity Absolute Return Fnd BLK0001AU BlackRock (Australia) % 0.00 % Ironbark Global Divers Alternatives DEU0109AU Ironbark s % 0.00 % (RE) K2 Aust Absolute Return KAM0101AU K2 Asset % 0.00 % Legg Mason Tactical Allocation TrstSSB0130AU Legg Mason Asset Australia % 0.00 % Man AHL Alpha (AUD) MAN0002AU Man s Australia % 0.00 % Man AHL WS Plus Alpha (AUD) BTA0567AU BTFM % 0.00 % Mercer Diversified Alternatives MIN0026AU Mercer % 0.00 % Nominees Odey International OPS0011AU Odey Asset % 0.00 % Pengana Absolute Return Asia PCL0004AU Pengana Capital % 0.00 % Pacific Fun WaveStone Dynamic Australian HOW0053AU Challenger International % 0.00 % Equity Group Winton Global Alpha MAQ0482AU Macquarie s % 0.00 % International Fixed Interest Advance International FI Multi- ADV0067AU Advance Asset % 0.00 % Blend AMP Capital International Bond Class A AMP0254AU AMP Capital Investors % 0.00 % Bentham Wholesale Global Income CSA0038AU Bentham Asset % 0.00 % Bentham Wholesale Syndicated Loan CSA0046AU Bentham Asset % 0.00 % BlackRock Global Bond Index BGL0008AU BlackRock (Australia) % 0.00 % BlackRock Monthly Income MAL0012AU BlackRock (Australia) % 0.00 % Page 15 of 39

16 Options Booklet name APIR code manager Fee Measure SRM Risk Band BlackRock W/S International Bond PWA0825AU BlackRock (Australia) % 0.00 % ADV0058AU Advance Asset % 0.00 % RFA0032AU BT % 0.00 % FSF0039AU Colonial First State % 0.00 % BT International Fixed Interest Index BT Wholesale Global Fixed Interest CFS Wholesale Diversified Fixed Interest CFS Wholesale Global Credit FSF0084AU Colonial First State % 0.00 % Income CFS Wholesale Target Return FSF0694AU Colonial First State % 0.00 % Income Franklin Templeton Global FRT0025AU Franklin Templeton % 0.00 % Aggregate Bond s Australia Franklin Templeton Multisector FRT0011AU Franklin Templeton % 0.00 % Bond s Australia Franklin Templeton WS Plus BTA0552AU BTFM % 0.00 % MultiSector B GAM Absolute Return Bond AFM0002AU Equity Trust % 0.00 % AUD Goldman Sachs Global Strategic JBW0097AU Goldman Sachs Australia % 0.00 % Bond Managed GSAM Emerging Market Debt JBW0094AU Goldman Sachs Asset % 0.00 % Local GSAM WS Plus Emerging Markets BTA0553AU BTFM % 0.00 % Db Lc Fd Henderson Global Fixed Int Total HGI0004AU Henderson Global Investors % 0.00 % Return JPMorgan Global Strategic Bond PER0727AU JPMorgan Asset % 0.00 % (Australia) Lazard Emerging Market Total Return Debt Legg Mason Brandywine Global Opportunist LAZ0023AU SSB0028AU Lazard Asset Pacific Co Legg Mason Asset Australia % 0.00 % % 0.00 % Macquarie Income Opportunities MAQ0277AU Macquarie s % 0.00 % Macquarie WS Plus Income BTA0544AU BTFM % 0.00 % Opportunities OnePath Wh/S Diversified Fixed ANZ0212AU OnePath s % 0.00 % Interest PIMCO Div Fixed Interest - ETL0016AU Equity Trustees % 0.00 % W/S Cls PIMCO EQT WS Unconstrained ETL0406AU Equity Trustees % 0.00 % Bond -Class C PIMCO Global Bond - W/S ETL0018AU Equity Trustees % 0.00 % Class PIMCO Global Credit - W/S ETL0019AU Equity Trustees % 0.00 % Class PIMCO Global RealReturn - ETL0020AU Equity Trustees % 0.00 % W/S Cls PIMCO WS Plus Diversified Fixed Inter BTA0499AU BTFM % 0.00 % PIMCO WS Plus Global Bond BTA0498AU BTFM % 0.00 % Premium Asia Income MAQ0782AU Macquarie s % 0.00 % Principal Glb Credit PGI0001AU Principal Global Investors % 0.00 % Opportunities (Australia) T. Rowe Price Dynamic Global Bond ETL0398AU T. Rowe Price International % 0.00 % UBS Diversified Fixed Income SBC0007AU UBS Global Asset (Australia) % 0.00 % Vanguard Diversified Bond Index VAN0042AU Vanguard s % 0.00 % Australia Vanguard Intl Credit Secs Index (Hedged) VAN0106AU Vanguard s Australia % 0.00 % Page 16 of 39

17 Options Booklet name APIR code manager Fee Measure SRM Risk Band Vanguard Intl Fixed Int (Hedged) International Shares VAN0103AU Vanguard s Australia % 0.00 % Aberdeen Actively Hgd Int Equ CRS0005AU Aberdeen Asset % 0.00 % Aberdeen Asian Opportunities EQI0028AU Aberdeen Asset % 0.00 % Aberdeen Emerging Opportunities ETL0032AU Aberdeen Asset % 0.00 % Aberdeen Fully Hedged Int CSA0135AU Aberdeen Asset % 0.00 % Equities Aberdeen International Equity EQI0015AU Aberdeen Asset % 0.00 % Aberdeen WS Plus Actively Hgd Int BTA0479AU BTFM % 0.00 % Equity Acadian Global Equity Long Short FSF0788AU Colonial First State % 0.00 % Acadian Wholesale Global Equity FSF0710AU Colonial First State % 0.00 % Advance Asian Shares Multi-Blend ADV0083AU Advance Asset % 0.00 % Advance Int'l Shares Multi-Blend ADV0053AU Advance Asset % 0.00 % AMP Capital Core Infrastructure AMP1179AU AMP Capital Investors % 0.00 % AMP Capital RIL International AMP0455AU AMP Capital Investors % 0.00 % Share AMP W/S Global Equity Value NML0348AU National Mutual s % 0.00 % Analytic Global Managed Volatility MAQ0796AU MIML % 0.00 % Antipodes Asia Class P IOF0203AU Antipodes Partners % 0.00 % Antipodes Global Class P IOF0045AU Antipodes Partners % 0.00 % Arrowstreet Global Equity MAQ0464AU Macquarie s % 0.00 % Arrowstreet Global Equity Hedged MAQ0079AU Macquarie s % 0.00 % BlackRock Global Small Cap Fnd DMAL0133AU BlackRock % 0.00 % Cls (Australia) BlackRock Indexed Hedged Int'l Equity BlackRock Indexed Inter Equity BGL0044AU BGL0106AU BlackRock International Gold MAL0016AU BlackRock Scientific Hedged Int'l Equity BlackRock Scientific Int'l Equity BGL0109AU BAR0817AU BlackRock W/S Hedged Global SmlMAL0135AU Cap BlackRock (Australia) BlackRock (Australia) BlackRock (Australia) BlackRock (Australia) BlackRock (Australia) BlackRock (Australia) % 0.00 % % 0.00 % % 0.00 % % 0.00 % % 0.00 % % 0.00 % BT International Shares Index ADV0056AU Advance Asset % 0.00 % BT W/S Asian Share BTA0054AU BT % 0.00 % BT W/S Core Global Share RFA0821AU BT % 0.00 % BT W/S Core Hedged Global Share RFA0031AU BT % 0.00 % BT W/S Multi-manager Intl Share BTA0261AU BT Financial Group % 0.00 % BT W/S Partner Intl Shares Core 1 BTA0248AU BT Financial Group % 0.00 % Page 17 of 39

18 Options Booklet name APIR code manager Fee Measure SRM Risk Band BT W/S Partner Intl Shares Growth 1 BTA0244AU BT Financial Group % 0.00 % BT W/S Partner Intl Shares Value BTA0245AU BT Financial Group % 0.00 % 1 BT Wholesale American Share BTA0100AU BT % 0.00 % BT Wholesale European Share BTA0124AU BT % 0.00 % BT Wholesale International Share BTA0056AU BT % 0.00 % BT Wholesale Japanese BTA0130AU BT % 0.00 % BT WS Plus Core Global Share BTA0536AU BTFM % 0.00 % BT WS Plus Global Emerging BTA0550AU BTFM % 0.00 % Markets Opp Carnegie WorldWide Equity Trust ARO0006AU Equity Trustees % 0.00 % CFS Global Listed Infrastructure FSF1241AU Colonial First State % 0.00 % Securit CFS Wholesale Global FSF0038AU Colonial First State % 0.00 % Resources EQT Dundas Global Equity THO0003AU Equity Trustees % 0.00 % Australian Fixed Interest Kapstream WS Plus Absolute Return Income Legg Mason Western Asset Aust Bond Trust Macquarie Australian Fixed Interest Macquarie Diversified Fixed Interest Macquarie Master Enhanced Fixed Int Macquarie True Index Aust Fixed Int Nikko AM Australian Bond TYN0104AU BTA0539AU BTFM % 0.00 % SSB0122AU Legg Mason Asset Australia % 0.00 % MAQ0061AU Macquarie s % 0.00 % MAQ0274AU Macquarie s % 0.00 % MAQ0180AU Macquarie s % 0.00 % MAQ0211AU Macquarie s % 0.00 % Nikko Asset % 0.00 % Australia PER0260AU Perpetual s % 0.00 % PER0557AU Perpetual s % 0.00 % Perpetual W/S Diversified Income Perpetual W/S Dynamic Fixed Income Perpetual WS Plus Diversified BTA0556AU BTFM % 0.00 % Income PIMCO Aust Bond - W/S ETL0015AU Equity Trustees % 0.00 % Class PIMCO Aust Focus - W/S ETL0182AU Equity Trustees % 0.00 % Class PM Capital Enhanced Yield PMC0103AU PM Capital % 0.00 % Realm High Income OMF0009AU Realm % 0.00 % Pty Schroder Credit Securities SCH0103AU Schroder % 0.00 % WS Cla Schroder Fixed Income WS SCH0028AU Schroder % 0.00 % Class Schroder WS Plus Fixed Income BTA0545AU BTFM % 0.00 % Smarter Money CRE0014AU Smarter Money s % 0.00 % Pty UBS Australian Bond SBC0813AU UBS Global Asset % 0.00 % (Australia) UBS Diversified Credit UBS0003AU UBS Global Asset % 0.00 % (Australia) UBS WS Plus Australian Bond BTA0478AU BTFM % 0.00 % Vanguard Aus Inflation-Linked VAN0064AU Vanguard s % 0.00 % Bond Index Australia Page 18 of 39

19 Options Booklet name APIR code manager Fee Measure SRM Risk Band Vanguard Aust Corp Fixed Int Index VAN0065AU Vanguard % 0.00 % Vanguard Aust Fixed Interest Index VAN0001AU Vanguard s % 0.00 % Australia Vanguard Australian Gov Bnd Indx VAN0025AU Vanguard s % 0.00 % Fd Australia Australian Shares Aberdeen Australian Equities MGL0114AU Aberdeen Asset % 0.00 % Aberdeen Australian Small Companies CSA0131AU Aberdeen Asset % 0.00 % Aberdeen Ex-20 Australian EquitiesCRS0003AU Aberdeen Asset % 0.00 % Acadian Wholesale Australian FSF0789AU Colonial First State % 0.00 % Equity Long Advance Aust Shares Multi- Blend Fd ADV0045AU Advance Asset % 0.00 % Advance Aust Small Comp Multi- ADV0096AU Advance Asset % 0.00 % Blend Allan Gray Australia Equity ETL0060AU Allan Gray Australia Pty % 0.00 % AllianceBernstein Managed ACM0006AU AllianceBernstein Australia % 0.00 % Volatility Equ Alphinity W/S Aust Share PAM0001AU Challenger International % 0.00 % Group Alphinity W/S Australian Equity HOW0019AU Challenger International Group % 0.00 % Alphinity W/S Concentrated Aust HOW0026AU Challenger International % 0.00 % Sh Group Alphinity W/S Socially Responsible HOW0121AU Challenger International % 0.00 % Share Group Altair Advantage PAR0004AU Altair Assets % 0.00 % Altair Income PAR0002AU Altair Assets % 0.00 % AMP Capital Equity Class A AMP0370AU AMP Capital Investors % 0.00 % AMP Capital Sustainable Share AMP0449AU AMP Capital Investors % 0.00 % AMP Specialist Aust Smll Co - AMP0973AU AMP Capital Investors % 0.00 % Class A AMP W/S Australian Equity Value NML0061AU National Mutual s % 0.00 % Antares Australian Equities PPL0110AU Aviva Investors % 0.00 % Antares Dividend Builder PPL0002AU Aviva Investors % 0.00 % Antares Elite Opportunities PPL0115AU Aviva Investors % 0.00 % Antares High Growth Shares PPL0106AU Aviva Investors % 0.00 % Antares Small Companies PPL0107AU Aviva Investors % 0.00 % Antares WS Elite Opportunities FSF0455AU Colonial First State % 0.00 % Armytage Australian Equity Income ETL0148AU Armytage Wholesale s % 0.00 % Armytage Strategic Opportunities ETL0139AU Equity Trustees % 0.00 % W/S Arnhem Australian Equity ARO0011AU Equity Trustees % 0.00 % Arnhem Long Short Australian ARO0019AU Equity Trustees % 0.00 % Equity Ausbil Australian Geared Equity AAP0002AU Ausbil Dexia % 0.00 % Ausbil Inv Tst - Aust Active Eq AAP0103AU Ausbil Dexia % 0.00 % Ausbil Inv Tst - Aust Emerg AAP0104AU Ausbil Dexia % 0.00 % Leaders Aust Ethical Aust Shares AUG0018AU Australian Ethical % 0.00 % Bennelong Australian Equities BFL0001AU Bennelong s % 0.00 % Bennelong Avoca Emerging Leaders BFL0008AU Bennelong s % 0.00 % Bennelong Ex-20 Aust Equities Fd BFL0004AU Bennelong s % 0.00 % Page 19 of 39

20 Options Booklet name APIR code manager Fee Measure SRM Risk Band Bennelong WS Plus ex-20 BTA0480AU BTFM % 0.00 % Australian Equit Blackrock Aust Equity Opp MAL0072AU BlackRock % 0.00 % (Australia) BlackRock Indexed Australian Equity BGL0034AU BlackRock (Australia) % 0.00 % BlackRock Scientific Australian EquBAR0814AU BlackRock W/S Australian Share PWA0823AU BlackRock (Australia) BlackRock (Australia) % 0.00 % % 0.00 % BlackRock WS Plus Aust Equity BTA0564AU BTFM % 0.00 % Opp BT Australian Shares Index ADV0062AU Advance Asset % 0.00 % BT Balanced Equity Income BTA0428AU BT % 0.00 % BT Defensive Equity Income BTA0427AU BT % 0.00 % BT W/S Core Aust Share RFA0818AU BT % 0.00 % BT W/S MicroCap Opportunities RFA0061AU BT % 0.00 % BT W/S Multi-manager Aust BTA0259AU BT Financial Group % 0.00 % Share BT W/S Partner Aust Shares BTA0241AU BT Financial Group % 0.00 % Core 1 BT W/S Partner Aust Shares BTA0242AU BT Financial Group % 0.00 % Growth 1 BT W/S Partner Aust Shares BTA0243AU BT Financial Group % 0.00 % Value 1 BT Wholesale Australian Share BTA0055AU BT % 0.00 % BT Wholesale Ethical Share RFA0025AU BT % 0.00 % BT Wholesale Focus Australian RFA0059AU BT % 0.00 % Share BT Wholesale Geared Imputation RFA0130AU BT % 0.00 % BT Wholesale Imputation RFA0103AU BT % 0.00 % BT Wholesale MidCap BTA0313AU BT % 0.00 % BT Wholesale Smaller Companies RFA0819AU BT % 0.00 % BT WS Plus Core Australian Share BTA0476AU BTFM % 0.00 % Celeste Australian Small FAM0101AU Celeste s % 0.00 % Companies CFS Wholesale Australian Share CFM0404AU Colonial First State % 0.00 % Core CFS Wholesale Australian Share FSF0002AU Colonial First State % 0.00 % CFS Wholesale Equity Income FSF0961AU Colonial First State % 0.00 % CFS Wholesale Geared Share FSF0043AU Colonial First State % 0.00 % CFS Wholesale Imputation FSF0003AU Colonial First State % 0.00 % CFS WS Concentrated Australia FSF0016AU Colonial First State % 0.00 % Share Concise Mid Cap CAM0001AU Concise Asset % 0.00 % DNR Capital Aus Equities High PIM0028AU DNR Capital % 0.00 % Conviction Eley Griffiths Group Small Companies Fnd EGG0001AU Eley Griffiths Group Pty % 0.00 % Page 20 of 39