Summit investment options

Transcription

1 Summit investment options Contents Summit / North Select investment options Investor Select investment options Stard risk measure Important information This document outlines the investment options available through the Summit Personal Super Pension product disclosure document (PDS) Summit Money Master investor directed portfolio service (IDPS) guide. Summit offers a range of investment options featuring: over 00 managed funds listed securities on the Australian Securities Exchange (ASX) exchange traded funds (ETFs), exchange traded commodities (ETCs) exchange traded bonds (ETBs) listed investment companies (LICs) listed investment trusts (LITs) Australian real estate investment trusts (AREITs), term deposits. From time to time, we'll add or remove investment options. We recommend you consult your financial adviser before selecting the specific investment options for your investment strategy The underlying fees costs for each investment option disclosed in this document have either been sourced from an external research provider or directly from the relevant fund manager have not been independently verified by the Trustee or the administrator. costs are the ongoing fees expenses of investing in an investment option include management fees, expense recoveries, performance fees (if applicable) indirect costs. As well as management costs, transactional operational costs will generally be incurred when dealing with the underlying assets of an investment option. They include brokerage, clearing costs, stamp duty, the buy sell spreads of any underlying funds certain costs associated with holding derivatives or direct investments in real property. The net transactional operational costs shown are after any amounts recovered by the charging of a buy/sell spread. In addition, some investment options that have underlying investments that use credit facilities to gain increased asset exposures will also incur borrowing costs. costs include interest, government charges debt advisory costs. Where borrowing costs are disclosed by the fund manager, these are detailed in this document. Before selecting an investment option, you should refer to the latest costs set out in that investment option's current product disclosure statement. For more information on fees costs please refer to the Summit Personal Super Personal Pension Product Disclosure Statement (PDS) or the Summit Money Master Investor Directed Portfolio Service Guide (IDPS). All investment instructions must be submitted electronically through North Online at northonline.com.au/summit. Issue date 1 March 2018 Summit is a registered trademark of NMMT Limited ABN North is a registered trademark of AMP Life Limited ABN AFS Licence No. 21

2 Summit / North Select investment options Managed funds APIR code Fund name Spread (%) b Multisector Conservative NMM0111AU North Index Defensive (ii) 0. NMM010AU SUMMIT Select Diversified Active Defensive /0.1 Moderately conservative NMM0112AU North Index Moderately Defensive (ii) / NMM010AU SUMMIT Select Diversified Active Moderately Defensive /0.1 Cautious IPA00AU AMP Capital Income Generator (iii) /0.1 Balanced AMP2AU AMP Capital Core Retirement Fund /0.1 NMM011AU North Index Balanced (ii) /0.10 IPA00AU North Professional Alternative Balanced /0.1 NMM0108AU SUMMIT Select Diversified Active Balanced /0.19 Moderately Aggressive NMM011AU North Index Growth (ii) /0.11 NMM0109AU SUMMIT Select Diversified Active Growth /0.19 Aggressive NMM011AU North Index High Growth (ii) /0.1 NMM0110AU SUMMIT Select Diversified Active High Growth /0.19 Specialist AMP18AU AMP Capital Multi Asset Fund (iv) /0.1 AMP192AU Dynamic Markets Fund /0.1 (ii) (iii) (iv) For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. The registered name of each of these funds is different to that shown in this document. For more information, please refer to the fund's PDS. This investment option will distribute income monthly in cash. The investment option may also pay any realised capital gains any other distributable. This investment option provides a rebate of its management fee to Summit. Summit then distributes this rebate in full to investors/members in the investment option. Please note rebates are subject to change. 2

3 Investor Select investment options Managed funds APIR code Fund name Advantage Range Australian Shares Spread (%) b AMP202AU Alphinity Advantage Australian Share Fund 0.0 AMP920AU Ausbil Advantage 10/0 Focus Fund /0.0 AMP91AU Bennelong Advantage ex20 Australian Equities Fund AMP20AU DNR Capital Advantage Australian Equities High Conviction Fund 0.8 AMP02AU Fidelity Advantage Australian Equities Fund 0.0 AMP20AU Ironbark Karara Advantage Australian Share Fund /0.1 AMP211AU Legg Mason Martin Currie Advantage Equity Income Fund 0. AMP80AU Merlon Advantage Wholesale Australian Share Income Fund (ii) AMP202AU NAM Advantage Australian Share Income Fund /0.0 AMP208AU Perennial Value Advantage Income Wealth Defender Fund AMP8AU Schroder Advantage Australian Equity Fund Global Shares AMP91AU Aberdeen Advantage Emerging Opportunities Fund 1. 0./0. AMP9989AU Antipodes Advantage Global Fund /0.0 AMP8AU Arrowstreet Advantage Global Equity Fund /0.11 AMP208AU Grant Samuel Epoch Advantage Global Eq Shareholder Yield Fund 1.0 AMP2080AU Magellan Advantage Global Fund 1.12 AMPAU Walter Scott Advantage Global Equity Fund 0.1/ AMP81AU Zurich Investment Advantage Global Growth Fund 0.81 Fixed Interest AMP20AU AB Advantage Dynamic Global Fixed Income Fund /0.1 AMP0AU AMP Capital Advantage Corporate Bond Fund (ii) AMP208AU Bentham Advantage Global Income Fund /0. AMP828AU Janus Henderson Advantage Tactical Income Fund 0.0 AMP8AU Kapstream Advantage Absolute Return Income Fund 0.0 AMP2082AU PIMCO Advantage Diversified Fixed Interest Fund /0.1 AMPAU Schroder Advantage Fixed Income Fund /0.12 Property Infrastructure AMP8292AU AMP Capital Advantage Core Infrastructure Fund /0.1 AMP29AU AMP Capital Advantage Global Property Securities Fund /0.0 AMP018AU Lazard Advantage Global Listed Infrastructure Fund AMP08AU Legg Mason Martin Currie Advantage Australian Real Income Fund 0. AMP200AU RARE Advantage Infrastructure Value Fund Hedged /0.10 Alternatives AMP81AU Invesco Advantage Wholesale Global Targeted Returns Fund /0.0 (ii) For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. This investment option will distribute income monthly in cash. The investment option may also pay any realised capital gains any other distributable.

4 All other managed funds available through the Investor Select menu. APIR code Fund name Multisector Conservative CRS0001AU Aberdeen Multi Asset Income Fund (ii) ETL02AU Allan Gray Australia Stable Fund BAR0811AU Blackrock Scientific Diversified Stable Fund (iii) BTA080AU BT Wholesale Conservative Outlook Fund MAQ009AU Macquarie Master Capital Stable Fund (iii) VAN0109AU Vanguard Conservative Index Fund Cautious SBC081AU UBS Defensive Investment Fund (iii) Balanced BAR081AU BlackRock Scientific Diversified Growth Fund (iii) PWA0822AU BlackRock Tactical Growth Fund RFA081AU BT Active Balanced Fund (W) FSF0008AU Colonial First State Diversified Fund (W) (iii) MAQ008AU Macquarie Master Balanced Fund MLC020AU MLC Wholesale Horizon Balanced Portfolio AJF0802AU OnePath (W) Balanced Trust (iv) MMF011AU Onepath Wholesale Managed Growth Trust (iv) PER00AU Perpetual Balanced Growth Fund (W) SBC081AU UBS Balanced Investment Fund (iii) VAN0110AU Vanguard Growth Index Fund VAN0108AU Vanguard Balanced Index Fund Aggressive Spread (%) 0.1/ 0.1/ / 0.1/ / / /0.18 / 0.1/ / /0.0 0./ 0.11/ /0.11 b 2 IPA018AU AMP Capital Premium Growth Fund /0.1 PER00AU Perpetual (W'sale) Split Growth Fund / VAN0111AU Vanguard High Growth Index Fund Specialist CRS0002AU Aberdeen Multi Asset Real Return Fund BLK0009AU BlackRock Global MultiAsset Income Fund (ii) 0. PER0AU Perpetual Wholesale Diversified Real Return Fund /0.12 SCH009AU Schroder Real Return CPI.% Fund Wholesale Class / SCH00AU Schroder Real Return CPI % Fund Wholesale Class 0.0 Cash Cash Deposits NML0018AU AMP Capital Cash Trust (W) (ii) SBC0811AU (ii) (iii) UBS Cash Fund VAN0020AU Vanguard Cash Reserve Fund (ii) 0.1 1

5 APIR code Fund name Spread (%) b Short Term Fixed Interest MAQ020AU Macquarie Australian Diversified Income Fund (iii) / MAQ000AU Macquarie Master Cash Plus Fund (iii) SBC0812AU UBS Cash Plus Fund /0.0 1 VAN0102AU Vanguard Cash Plus Fund (ii) 1 Fixed Interest Australian Fixed Interest CRS000AU Aberdeen Australian Fixed Income Fund /0.10 CSA010AU (ii) (iii) Aberdeen Active Index Income Fund 0.0 /0.10 CRS0008AU Aberdeen Inflation Linked Bond Fund /0.1 AMP0981AU AMP Capital Wholesale Australian Bond Fund (ii) FSF002AU Colonial FS (W'sale) Australian Bond Fund IOF00AU Janus Henderson Cash Enhanced Fund 0.1 IOF01AU Janus Henderson Tactical Income Fund 0. SSB0122AU Legg Mason Western Asset Aust Bond Trust Class A Units (ii) 0.2 MAQ0211AU Macquarie True Index Australian Fixed Interest (v) /0.0 ETL001AU PIMCO EQT Australian Bond Fund (W) /0.10 SBC081AU UBS Australian Bond Fund (iii) /0.0 VAN0001AU Vanguard Australian Fixed Interest Index Fund (W) 0.2 VAN002AU Vanguard Australian Government Bond Index Fund 0.0/0.0 Diversified Fixed Interest HOW002AU Kapstream Absolute Return Income Fund (W) SCH0028AU Schroder Fixed Income Fund Wholesale Class /0.12 SBC000AU UBS Diversified Fixed Income Fund (iii) /0.10 Global Fixed Interest AMP02AU AMP Capital (W'sale) International Bond Fund Class A /0.1 GSF0008AU Payden Global Income Opportunities ETL0018AU PIMCO EQT Global Bond Fund (W) (iii) /0.10 ETL098AU T. Rowe Price Dynamic Global Bond SBC0819AU UBS International Bond Fund VAN010AU Vanguard International Fixed Interest Index Fund (Hedged) (W) Annuities MLT0010AU Challenger Guaranteed Income Fund (.00 cents p.a. 0 Sep 2022) (ii) MLT000AU Challenger Guaranteed Income Fund (.1 cents p.a. 1 March 2020) (ii) Specialist ACM0001AU AllianceBernstein Dynamic Global Fixed Income Fund /0.1 FRT0011AU Franklin Templeton Multisector Bond Fund (W) PER02AU JPMorgan Global Strategic Bond Fund /0.1 SSB001AU Legg Mason Brywine Global Opportunistic Fixed Income Fund (Class A) / ETL08AU PIMCO Income Fund (ii)

6 APIR code Fund name Spread (%) b Credit AMP0AU (ii) (iii) AMP Capital Corporate Bond Fund CSA008AU (ii) (iii) Bentham Global Income Fund (W) 0. 0./0. CSA00AU (ii) (iii) Bentham Syndicated Loan Fund (W) /0.0 MAL0012AU (ii) (iv) BlackRock Monthly Income Fund (W) / FSF008AU (ii) (iii) Colonial First State Global Credit Income Fund (W) CNA080AU Invesco Senior Secured Income Fund (W) (ii) 0. MAQ02AU Macquarie Income Opportunities Fund (ii) /0.1 PER020AU Perpetual Diversified Income Fund (W) ETL001AU PIMCO EQT Diversified Fixed Interest Fund (W) PMC010AU PM Capital Enhanced Yield Fund 1.1 SCH010AU Schroder Credit Securities Fund (W) UBS000AU UBS Income Solution Fund (iii) /0.18 VAN010AU Vanguard International Credit Securities Indexed Hedged Fund 0.2 Property Australian Property NML0001AU AMP Capital Wholesale Australian Property Fund (vi) AMP02AU AMP Capital (W'sale) Listed Property Trusts Class A (iii) 0.9 APN0008AU APN AREIT Fund (ii) 0.8 NIl BTA001AU BT Wholesale Property Securities Fund / MAQ082AU (vi) (vii) Charter Hall Direct Office (W) A /2.0 FSF000AU Colonial Property Securities Fund 0.81 CRM002AU Cromwell Phoenix Core Listed Property Fund PAL0002AU Ironbark Paladin Property Securities Fund 0.8 SSB002AU Legg Mason Australian Real Income Fund 0.8 SSB0128AU Legg Mason Property Securities Trust Class A (iii) 0.2 HBC0008AU SG Hiscock Property Securities Fund (W) 0.8 CRS000AU SG Hiscock Wholesale Property Fund (iii) 0.8 SBC081AU UBS Property Securities Fund 0.8 VAN000AU Vanguard Australian Property Securities Index Fund (W) 0.2 ZUR00AU Zurich Australian Property Securities Fund /0.0 Diversified Property AMP101AU AMP Capital Core Property Fund Class A (vi) /0.1 Global Property AMP09AU AMP Capital Global Property Securities Fund (iii) 0.0/0.0 MPL0008AU MapleBrown Abbott Global Listed Infrastructure Fund (Hedged) IOF0081AU Resolution Capital Global Property Securities Fund (Hedged) Series II /0.0 ETL000AU SGH LaSalle Global Listed Property Securities Fund HML001AU UBS Clarion Global Property Securities Fund VAN0018AU Vanguard International Property Securities Index Fund 0.0 VAN0019AU Vanguard International Property Securities Index Fund (Hedged) /0.12

7 APIR code Fund name Australian Equities Income AMP190AU FSF091AU FSF000AU IML000AU SSB00AU ADV00AU HBC0011AU TYN008AU WHT00AU VAN010AU Mid/Small/Micro Cap AAP010AU BFL000AU RFA0819AU EGG0001AU ANT0002AU FID002AU IML000AU HOW001AU HHA0001AU ETL002AU Large Cap AMP Capital Equity Income Generator (ii) Colonial First State Equity Income Fund (W) (iii) Colonial Wholesale Imputation Fund (iii) Investors Mutual Equity Income Fund Legg Mason Martin Currie Equity Income Trust MapleBrown Abbott Australian Share Fund (W) (iii) (ii) (iii) Merlon Australian Share Income Fund (W) Nikko AM Australian Share Income Fund Plato Australian Shares Income Fund (Managed ) Vanguard Australian Shares High Yield Fund Ausbil Australian Emerging Leaders Fund (iii) Bennelong ex20 Australian Equities Fund (iii) BT Small Companies Fund (W) Eley Griffiths Small Companies Fund Fairview Equity Partners Emerging Companies Fund Fidelity Future Leaders Fund Investors Mutual Future Leaders Fund (W) NovaPort Smaller Companies Fund (W) (iii) (iv) Pengana Australian Equities Income Fund SG Hiscock ICE Fund Spread (%) 0.0/ / / 0.2/ / /0.0 0./0. b CRS000AU Aberdeen Ex20 Australian Equities Fund 0.9 ETL000AU Allan Gray Australia Equity Fund 1. PAM0001AU Alphinity Australian Share (W) NML001AU AMP Capital Australian Equity Value Fund (W) PPL011AU Antares Elite Opportunities Fund (iii) /0.1 PPL010AU Antares High Growth Shares Fund (iii) /0.1 AAP010AU Ausbil Australian Active Equity Fund /0.0 BFL0001AU Bennelong Australian Equities BFL001AU Bennelong Twenty20 Australian Equities Fund PWA082AU BlackRock Australian Share Fund /0.28 BAR081AU BlackRock Scientific Australian Equity Fund (iii) /0.1 RFA0818AU BT Core Australian Share Fund (W) / HOW0019AU Challenger Alphinity Australian Equity Fund FSF001AU Colonial FS (W'sale) Leaders Fund (iii) PIM0028AU Dalton Nicol Reid Australian Equities High Conviction Fund 0.0 FID0008AU Fidelity Australian Equities Fund IML0002AU Investors Mutual Australian Share Fund (W) IML0010AU Investors Mutual Concentrated Australian Share Fund 0.0 PAT0001AU Ironbark Karara Australian Share Fund ADV00AU MapleBrown Abbott (W'sale) Sharemarket Fund

8 APIR code Fund name Spread (%) b TYN0028AU Nikko AM Australian Share Fund (W) /0.0 AJF080AU OnePath Wholesale Australian Share Trust /0.12 IOF020AU Perennial Value Shares Trust (W) /0.0 PER009AU Perpetual Australian Share Fund (W) / PER0102AU Perpetual Concentrated Equity Fund (W) /0.1 WHT009AU Plato Australian Shares Income Fund SCH0101AU Schroder Australian Equity Fund (W) SOL0001AU Solaris Core Australian Equity Fund (Performance Alignment) /0.0 SBC081AU UBS Australian Share Fund (iii) 0.21 UBS002AU UBS HALO Australian Share Fund VAN0002AU Vanguard Australian Shares Index Fund (W) 0.18 JBW0009AU Yarra Australian Equities Fund /0.1 Specialist ACM000AU Alliance Bernstein Managed Volatility Equities Fund AMP09AU AMP Capital Sustainable Share Fund Class A AAP0008AU Ausbil 10/0 Focus Fund /0.0 MAL002AU BlackRock Australian Equity Opportunities Fund /0.0 RFA002AU BT Ethical Share Fund (W) / RFA010AU BT Geared Imputation Fund (W) (viii) / FSF00AU Colonial First State Geared Share Fund (W) (viii) /0.0 IML000AU Investors Mutual Industrial Fund (W) 0.11 KAM0101AU K2 Australian Absolute Return Fund ETL090AU L1 Capital Long Short Fund Retail Class ADV008AU MapleBrown Abbott (W'sale) Australian Geared Equity Fund (viii) /0.8 IOF0228AU Perennial Value Wealth Defender Australian Shares Trust /0.0 PER011AU Perpetual Ethical SRI Fund (W) /0.1 PER001AU Perpetual Geared Australian Share Fund (W) (viii) /0.8 PER00AU Perpetual Industrial Share Fund (W) / PER002AU Perpetual Share Plus Long Short Fund (W) (iv) SST008AU State Street Australian Equity Fund /0. FHT000AU The Montgomery Fund ZUR08AU Zurich Small Companies Fund 0.00 Global Equities Income HFL002AU Threadneedle Global Equity Income Fund (Unhedged) Mid/Small/Micro Cap HHA0002AU Hunter Hall Global Equities Trust (iv) /0.0 LAZ0012AU Lazard Global Small Cap Fund (W) /0.0 Large Cap CRS000AU Aberdeen Actively Hedged International Equities Fund (iii) 0.98 EQI001AU Aberdeen International Equity Fund 0.98 AMP02AU AMP Capital Res Inv Leaders Balanced Fund (Class A) /0.19 AMP0AU AMP Capital Responsible Investment Leaders International Share Fund MAQ0AU Arrowstreet Global Equity Fund /0.11 8

9 APIR code Fund name BAR081AU BlackRock Scientific International Equity Fund (iii) BTA00AU BT (W'Sale) International Share Fund RFA0821AU BT Core Global Share Fund (W) FSF0908AU Colonial First State Generation Wholesale Global Share Fund (iv) FID002AU Fidelity Global Demographics Fund FID000AU Fidelity Global Equities Fund GSF0002AU Grant Samuel Epoch Global Shareholder Yield Fund (Unhedged) MAQ00AU IFP Global Franchise Fund (iii) MGL000AU Ironbark Royal London Concentrated Global Share Fund BGL010AU ishares International Equity Index Fund HGI000AU Janus Henderson Global Equity Income Fund PER019AU JPMorgan Global Research Enhanced Index Equity MGE0001AU Magellan Global Fund MGE000AU Magellan Global Fund (Hedged) MGE000AU Magellan High Conviction Fund MIA0001AU MFS Global Equity Trust MLC021AU MLC Wholesale Global Share Fund SUN001AU Nikko AM Global Share Fund ETL0AU Orbis Global Equity Fund Retail Class ETL019AU PanTribal Global Equity Fund PER000AU Perpetual International Share Fund (W) (iv) WHT001AU Plato Global Shares Income A (ii) SCH000AU Schroder Global Core Fund (iii) SST000AU State Street Global Equity Fund FSF1AU Stewart Investors Worldwide Sustainability Fund Class A ETL001AU T. Rowe Price Global Equity Fund VAN000AU Vanguard International Shares Index Fund MAQ010AU Walter Scott Global Equity Fund AUS00AU Wingate Global Equity Fund ZUR01AU Zurich Concentrated Global Growth ZUR080AU Zurich Global Growth Share Fund ZUR001AU Zurich Investments Global Thematic Share Fund (iii) Large Cap (Currency Hedged) Spread (%) 0.1/ / 0.10/ 0.0/ /0.0 / / / /0.1 0./ 0.0/ / / / 0.1/ b CSA01AU Aberdeen Fully Hedged International Equities Fund MAQ009AU Arrowstreet Global Equity Fund (Hedged) /0.1 BGL0109AU BlackRock Scientific Hedged International Equity Fund /0.18 GSF0001AU Grant Samuel Epoch Global Shareholder Yield Fund (Hedged) MGL0018AU Ironbark Copper Rock Global All Cap Share Fund (iv) 1.1 BGL00AU ishares Hedged International Equity Index Fund 0.1/0.11 ETL001AU MFS Fully Hedged Global Equity Trust 0.80 VAN010AU Vanguard International Shares Index Fund (Hedged) 0.21 MAQ0AU Walter Scott Global Equity Fund (Hedged) /0.1 9

10 APIR code Fund name Spread (%) b Regional EQI0028AU Aberdeen Asian Opportunities Fund /0. ETL002AU Aberdeen Emerging Opportunities Fund 1. 0./0. IOF020AU Antipodes Asia Fund /0.0 BTA00AU BT Wholesale Asian Share Fund / MAQ00AU Macquarie Asia New Stars No.1 Fund /0.0 PLA000AU Platinum Asia Fund PLA0001AU Platinum European Fund 1. PLA000AU Platinum Japan Fund MAQ01AU Premium China Fund SCH00AU Schroder Global Emerging Markets /0.0 VAN000AU Vanguard Emerging Markets Shares Index Fund /0.0 Specialist MAQ09AU Analytic Global Managed Volatility Fund /0.11 IOF00AU Antipodes Global Fund /0.0 FSF0891AU (v) (vi) (viii) Colonial First State Acadian Geared Global Equity (W) /0.8 FSF008AU Colonial First State Global Resources Fund (W) ETL01AU Janus Henderson Global Natural Resources Fund /0.11 PER01AU PineBridge Global Dynamic Asset Allocation Fund 1.0 PLA0101AU Platinum Inter Technology Fund 1. PLA0100AU Platinum International Brs Fund 1. PLA0002AU Platinum International Fund Infrastructure Diversified AMP119AU AMP Capital Core Infrastructure Fund /0.1 Global AMP19AU AMP Capital Global Infrastructure Securities Fund (Hedged) AMP19AU AMP Capital Global Infrastructure Securities Fund (Unhedged) 0.82 LAZ001AU Lazard Global Listed Infrastructure Fund MAQ0AU Macquarie Global Infrastructure Trust II MAQ02AU Macquarie International Infrastructure Securities Fund (Hedged) MAQ082AU Macquarie International Infrastructure Securities Fund (Unhedged) MGE0002AU Magellan Infrastructure Fund /0.1 MGE000AU Magellan Infrastructure Fund (Unhedged) /0.1 TGP0008AU RARE Infrastructure Value Fund (Hedged) /0.1 VAN002AU Vanguard Global Infrastructure Index Fund 0.9 VAN002AU Vanguard Global Infrastructure Index Fund (Hedged) /0.1 Alternatives MAL009AU BlackRock Australian Equity Absolute Return Fund /0.0 BLK0001AU BlackRock Multi Opportunity Absolute Return Fund /0. DEU0109AU Ironbark Global Diversified Alternatives Fund HFL010AU Ironbark LHP Diversified Investments Fund (iii).1 HFL0108AU Ironbark LHP Global Long/Short Fund (vi).90 ETL02AU (iii) (vi) Partners Group Global Value Fund

11 APIR code PCL000AU WMF0001AU MAQ082AU Global Macro GTU0109AU Fund name (iii) (vi) Pengana Absolute Return Asia Pacific Fund Watermark Market Neutral Trust Winton Global Alpha Fund Invesco Wholesale Global Targeted Returns Fund Class A Spread (%) 0.0/ / /0.0 b For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. (ii) This investment option will distribute income monthly in cash. The investment option may also pay any realised capital gains any other distributable. (iii) This investment option provides a rebate of its management fee to Summit. Summit then distributes this rebate in full to investors/members in the investment option. Please note rebates are subject to change. (iv) This investment option is closed to new investors. Existing investors that hold the fund can continue to purchase additional units. (v) Please refer to the Macquarie True Index PDS to obtain details of the potential fee incurred by investing in this investment option. (vi) This asset is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed proceeds returned to the member/investor within 0 days may take up to 120 days. For an explanation of illiquid investments please refer to Liquidity risk in the Summit Super Pension PDS or the Summit Money Master IDPS Guide. (vii) Not available to super or pension members. (viii) The management fee for this managed fund is charged on the gross assets of the fund including any borrowings. The management cost shown includes an estimate of the management fee based on the net assets of the fund. This cost was not available or provided by the investment manager as at the date of this document being published. You should refer to the underlying product disclosure statement for the managed fund for full details about fees costs. Managed funds In specie only transfers In specie transfers allow you to transfer managed funds held outside of Summit into your Summit account. The transfer of managed funds into Summit is subject to agreement by the previous fund. You're permitted to transfer any existing holding of these managed funds, but you're not entitled to purchase additional units. For more information on in specie transfers, please contact your financial adviser. APIR code Fund name Multisector Balanced Spread (%) b FSF11AU Colonial First State FirstChoice MultiIndex Balanced Fund Class A 0.1 Aggressive BTA0012AU BT Split Growth Fund (ii) /0.00 Credit Mortgages MMF000AU OnePath Mortgage Trust No 2 HML0002AU (ii) (iii) OnePath Monthly Income Trust Fixed Interest Australian Fixed Interest FSF019AU Colonial Income Fund (iii) MAQ001AU Macquarie Master Fixed Interest Fund /0.0 Property Australian Property RFA081AU BT Property Investment Fund (W) / MAQ0219AU Macquarie True Index Listed Property Fund 0.00 Diversified Property APN0001AU (ii) (iii) (iv) APN Property for Income Fund

12 APIR code Fund name Spread (%) b APN000AU (ii) (iii) (iv) APN Property for Income Fund No NIl Australian Equities Income ADV001AU MapleBrown Abbott Australian Share Fund (Retail) 2.0 Mid/Small/Micro Cap RFA0012AU BT Smaller Companies Fund MMF0112AU OnePath (W) Emerging Companies Trust /0.2 JBW0010AU Yarra Emerging Leaders Fund Large Cap BTA00AU BT Australian Share Fund (W) / FSF0002AU Colonial FS (W'Sale) Australian Share Fund PER0011AU Perpetual Industrial Share Fund /0.1 SCH0002AU Schroder Australia Equity Fund Global Equities Large Cap NML08AU AMP Capital Global Equity Value Fund (W) SSB012AU Legg Mason QS Investors Global Equity Fund (Class A) MLC01AU MLC Platinum Global Fund /0.0 Large Cap (Currency Hedged) BTA002AU BT International Fund /0.0 Alternatives MAN00CK (ii) (iii) Man Investments OMIP AHL Ltd 1 (ii) (iii) (iv) For information on the Stard Measure, refer to the Stard Measure' section further in this document. This asset is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed proceeds returned to the member/investor within 0 days may take up to 120 days. For an explanation of illiquid investments please refer to Liquidity risk in the Summit Super Pension PDS or the Summit Money Master IDPS Guide. This investment option provide a rebate of its management fee to Summit. Summit then distributes this rebate in full to investors/members in the investment option. Please note rebates are subject to change. This investment option will distribute income monthly in cash. The investment option may also pay any realised capital gains any other distributable. This cost was not available or provided by the investment manager as at the date of this document being published. You should refer to the underlying product disclosure statement for the managed fund for full details about fees costs. 12

13 Managed Portfolios The following managed portfolios are offered as part of the MyNorth Managed Portfolio product which is available to Summit Personal Super, Summit Personal Pension Summit Money Master investors. For further details, please refer to the MyNorth Managed Portfolio Product Disclosure Statement which can be found at northonline.com.au/mynorthmanagedportfolios. Fund name Costs less estimated Performance Fees (%) Spreads (%) b Research Choice Conservative Income Portfolio /0.1 Research Choice Moderately Conservative Income Portfolio /0.1 Research Choice Balanced Income Portfolio Research Choice Moderately Aggressive Income Portfolio Research Choice Aggressive Income Portfolio /0.22 Research Choice Conservative Accumulation Portfolio /0.1 Research Choice Moderately Conservative Accumulation Portfolio /0.1 Research Choice Balanced Accumulation Portfolio /0.18 Research Choice Moderately Aggressive Accumulation Portfolio Research Choice Aggressive Accumulation Portfolio /0.21 Research Choice Cautious Income Builder Portfolio (Objective Based) /0.1 Research Choice Income Builder Portfolio (Objective Based) /0.21 For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. Listed securities You are able to invest in securities listed on the ASX. Selected listed investment companies listed property trusts are available for investment. If you are an Investor of the Investor Directed Portfolio Service (IDPS) you can invest in any direct equity or unit trusts listed on the ASX. For superannuation pension members, you will have access to the following listed securities: shares currently listed in the S&P/ASX00 index selected LICs, LITs as listed on page 1 AREITs listed on the ASX all ordinaries index. all hybrids (ie convertible notes preference shares), where the issuer is listed in the S&P/ASX00 index ETFs ETCs listed on pages 1 to 1. fixed interest securities (ie corporate bonds floating rate notes) listed on page 1. certain subclasses of shares, initial public offerings (IPOs), share purchase plans (SPPs) other securities that satisfy the Trustee s approval criteria. Securities listed in the S&P/ASX00 are subject to change, impacting the ability to invest in securities that no longer fall in the S&P/ASX00. The trustee may periodically add or remove listed securities available to superannuation pension members without warning. We recommend you obtain the latest version of this document prior to making an investment decision. When purchasing listed securities, additional costs will be incurred. These costs, which include brokerage fees, will be directly debited from your account. If using a third party broker, the cost per transaction varies between brokers is subject to change. Please refer to the Summit Personal Super Pension product disclosure document (PDS) Summit Money Master investor directed portfolio service (IDPS) guide for further details. 1

14 ETFs ETCs The following ETFs ETCs are available to superannuation pension members on Summit. You will be able to invest in other ETFs ETCs that meet the Trustee s eligibility criteria, as notified by us to you. ASX code Name Spread (%) b Australian Broad Based IOZ ishares MSCI Australia ILC ishares S&P/ASX ISO ishares S&P/ASX Small Ordinaries 0. MVW VanEck Vectors Australian Equal Weight ETF QOZ BetaShares FTSE RAFI Australia 200 ETF 0.0 GROW Schroders Real Return Fund STW SPDR 200 Fund SFY SPDR 0 Fund 0.0 SSO SPDR S&P/ASX Small Ordinaries Fund 0.0 NIl VAS Vanguard Australian Shares Index 0.1 VSO Vanguard Small Companies Index 0.0 YMAX BetaShares Australian Top 20 Equity Yield Maximiser Fund Australian Sector MVA VanEck Vectors Australian Property ETF MVB VanEck Vectors Australian Banks ETF SLF SPDR S&P/ASX 200 Listed Property Fund OZF SPDR S&P/ASX 200 Financials ex AREITS Fund 0.0 OZR SPDR S&P/ASX 200 Resources Fund 0.0 NIl NIl VAP Vanguard Australian Property Securities Index ETF 0.2 International WRLD BetaShares Managed Global Share Fund IAA ishares Asia 0 ETF 0.0 IBK ishares MSCI BRIC ETF 0.2 ITW ishares MSCI Taiwan ETF 0. IKO ishares MSCI South Korea Capped ETF 0. IHK ishares MSCI Hong Kong ETF 0.8 IHOO ishares Global 100 AUD Hedged ETF IHVV ishares S&P 00 AUD Hedged ETF IRU ishares Russell 2000 ETF IZZ ishares China LargeCap ETF 0. IJP ishares MSCI Japan ETF 0.8 IEM ishares MSCI Emerging Markets ETF 0.2 IOO ishares Global 100 ETF 0.0 IVV ishares Core S&P IJH ishares Core S&P MidCap IJR ishares Core S&P SmallCap IVE ishares MSCI EAFE ETF 0. IEU ishares Europe ETF 0.0 ISG ishares MSCI Singapore ETF 0.8 MGE Magellan Global Equities Fund 1. 1

15 ASX code Name Spread (%) b UMAX BetaShares S&P 00 Yield Maximiser Fund VEU Vanguard AllWorld EX US Shares Index 0.11 VGS Vanguard MSCI Index International Shares ETF 0.18 VGAD Vanguard MSCI Index International Shares (Hedged) ETF 0.21 VTS Vanguard US Total Market Shares Index 0.0 WDIV S&P Global Dividend Fund WEMG S&P Emerging Markets Fund WXHG S&P World Ex Australian Hedged Fund 0.8 WXOZ S&P World Ex Australian Fund 0.2 International Sectors DJRE Dow Jones Global Real Estate Fund 0.0 NIl GDX VanEck Vectors Gold Miners ETF 0. IXI ishares Global Consumer Staples ETF 0. IXJ ishares Global Healthcare ETF 0. IXP ishares Global Telecom ETF 0. IFRA VanEck Vectors FTSE Global Infrastructure (Hedged) ETF MICH Magellan Infrastructure Fund (Currency hedged) 1.0 Strategy Focussed IHD ishares S&P/ASX Dividend Opportunities ETF QUAL VanEck Vectors MSCI World exaustralia Quality ETF RDV Russell High Dividend Australian Shares ETF RVL Russell Australia Value ETF SYI SPDR MSCI Australia Select High Dividend Yield Fund NIl VHY Vanguard Australian Shares High Yield ETF 0.2 Cash & Fixed Income Exposure AAA BetaShares Australian High Interest Cash ETF BOND Australian Bond GOVT Australian Government Bond IAF ishares UBS Composite Bond ETF IGB ishares UBS Treasury ETF 0.2 ILB ishares UBS Government Inflation Index Fund 0.2 NIl RCB Russell Australian Select Corporate Bond RSM Russell Australian SemiGovernment Bond ETF 0.2 VAF Vanguard Australian Fixed Interest Index VACF Vanguard Australian Corporate Fixed Interest Index Fund 0.2 VGB Vanguard Australian Government Bond Index ETF Commodity Exposure ETPMAG ETFS Physical Silver 0.9 GOLD ETFS Physical Gold 0.0 NIl OOO BetaShares Crude Oil Index ETF Currency Hedged (Synthetic) 1.29 For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. This cost was not available or provided by the investment manager as at the date of this document being published. You should refer to the underlying product disclosure statement for the managed fund for full details about fees costs. 1

16 LICs & LITs The following LICs LITs are available to Summit Personal Super Personal Pension members. Please note: There may be underlying fees costs for LICs LITs under new enhanced fee cost disclosure requirements. However, these have note been provided at the time of publishing this document. ASX code Name Australian Shares ARG AFI ALF MIR MLT PIC PL8 QVE SEC WAA WAM WAX WDE Argo Investments Limited Australian Foundation Investment Company Limited Australian Leaders Fund Limited Mirabooka Investments Milton Corporation Perpetual Equity Investment Company Limited Plato Income Maximiser Limited Qv Equities Limited Spheria Emerging Companies Limited WAM Active Limited WAM Capital WAM Research Limited Wealth Defender Equities Limited Australian Fixed income b Fixed interest securities The following assets are available to Summit Personal Super Personal Pension members. You will be able to invest in other fixed interest securities that meet the Trustee s eligibility criteria, as notified by us to you. ASX code Floating Rate Notes AMPHA ANZHA AQHHA BENHB CBAHA CNGHA CWNHA HBSHB MBLHB NABHA NABHB ORGHA TAHHB WBCHA WBCHB WOWHC Issuer AMP Limited Australia New Zeal Banking Group APT Pipelines Limited Bendigo Adelaide Bank Limited Commonwealth Bank of Australia Colonial Holding Company Limited Crown Resorts Limited Heritage Bank Limited Macquarie Group Limited National Australia Bank Limited National Australia Bank Limited Origin Energy Limited TABCORP Holdings Limited Westpac Banking Corporation Westpac Banking Corporation Woolworths Limited MXT MCP Master Income Trust International Shares MGG Magellan Global Trust PAI Platinum Asia Investments Limited PGF PM Capital Global Opportunities Fund Limited PMC Platinum Capital Limited Alternatives WMK WaterMark Market Neutral Fund Limited For information on the Stard Measure, refer to the 'Stard Measure' section further in this document. 1

17 Exchange Traded Bonds ASX code Underlying Bond Issuer The following Exchange Traded Bonds (XTBs) are currently available to Summit Super & Pension members. ASX code YTMAGL YTMF01 YTMAPA YTMAZJ YTMAST YTMANZ YTMF0 YTMBOQ YTMF0 YTMF08 YTMBHP YTMBH1 YTMCTX YTMCCA YTMCWN YTMDXS YTMDOW YTMDO1 YTMGPT YTMIPL YTMLLC YTMLL1 YTMMQG YTMF09 YTMMGR YTMMG1 YTMNAB YTMNA1 YTMF0 YTMF0 Underlying Bond AGL.00% 0/11/2021 AMP FRN 0/0/2018 APA.% 22/0/2020 AZJ.% 28/10/2020 AST.% 28/0/2022 ANZ.2% 0/0/2020 ANZ FRN 1/0/2020 BOQ.00% 12/0/2018 BOQ FRN 12/0/2018 BOQ FRN /11/2019 BHP.% 18/10/201 BHP.00% 0/0/2020 CTX.2% 2/11/2018 CCA.2% 1/11/2019 CWN.% 18/0/201 DXS.% 10/09/2018 DOW.% 29/11/2018 DOW.0% 11/0/2022 GPT.% 2/01/2019 IPL.% 21/02/2019 LLC.0% 1/11/2018 LLC.00% 1/0/2020 MQG.2% 0/0/2020 MQG FRN /0/2020 MGR.% 18/09/2020 MGR.0% 18/12/201 NAB.2% 20/0/2019 NAB.00% 1/12/2021 NAB FRN 08/11/2018 NAB FRN 20/0/2019 Issuer AGL ENERGY LTD AMP BANK LIMITED APT PIPELINES LTD AURIZON NETWORK PTY LTD AUSNET SERVICES HOLDINGS AUST & NZ BANKING GROUP AUST & NZ BANKING GROUP BANK OF QUEENSLAND LTD BANK OF QUEENSLAND LTD BANK OF QUEENSLAND LTD BHP BILLITON FINANCE LTD BHP BILLITON FINANCE LTD CALTEX AUSTRALIA LTD COCACOLA AMATIL LTD CROWN GROUP FINANCE LTD DEXUS FINANCE PTY LTD DOWNER GROUP FINANCE PTY DOWNER GROUP FINANCE PTY GENERAL PROPERTY TRUST INCITEC PIVOT LTD LENDLEASE FIN LTD LENDLEASE FIN LTD MACQUARIE BANK LTD MACQUARIE BANK LTD MIRVAC GROUP FINANCE LTD MIRVAC GROUP FINANCE LTD NATIONAL AUSTRALIA BANK NATIONAL AUSTRALIA BANK NATIONAL AUSTRALIA BANK NATIONAL AUSTRALIA BANK YTMF10 YTMQF1 YTMQF2 YTMQF YTMSCG YTMSGP YTMSG1 YTMF0 YTMSYD YTMTLS YTMWES YTMWE1 YTMWBC YTMWB1 YTMF11 YTMWOW Term deposits NAB FRN /0/2020 QAN.0% 2/0/2020 QAN.0% 11/0/2021 QAN.% 19/0/2022 SCG.00% 2/10/2019 SGP.0% 0/09/2019 SGP 8.2% 2/11/2020 SUN FRN 2/0/2019 SYD.% 0/0/2018 TLS.% 1/0/2020 WES.2% 28/0/2019 WES.% 12/0/2020 WBC.2% 22/01/2020 WBC.0% 28/0/2020 WBC FRN 28/0/2020 WOW.00% 21/0/2019 NATIONAL AUSTRALIA BANK QANTAS AIRWAYS LTD QANTAS AIRWAYS LTD QANTAS AIRWAYS LTD SCENTRE GROUP TRUST 2 STOCKLAND TRUST STOCKLAND TRUST SUNCORPMETWAY LTD SYDNEY AIRPORT FINANCE TELSTRA CORP LTD WESFARMERS LTD WESFARMERS LTD WESTPACBANKINGCORP WESTPACBANKINGCORP WESTPACBANKINGCORP WOOLWORTHS LIMITED You are able to invest in term deposits with a range of providers as listed below: Provider AMP ANZ Adelaide Bank Westpac Please refer to northonline.com.au/summit for the current list of terms rates. There are no underlying fees costs for Term deposits. Stard risk measure The Stard 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 20year period. Negative annual returns may not occur in consecutive years. b 1 2 label Very low Low Low to medium Medium Medium to high High Very high Estimated number of negative annual returns over any 20 year period Less than to less than 1 1 to less than 2 2 to less than to less than to less than or greater 1

18 The Stard 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 tax on the likelihood of a negative return. Members should still ensure they are comfortable with the risks potential losses associated with their chosen investment option(s). Refer to page 18 of the PDS section of the Additional information booklet for further details about the risks of investing through Summit Personal Super Personal Pension. Important information This is the Investment Options document for the Summit Personal Super Personal Pension offered via the Wealth Personal Superannuation Pension Fund ABN This document also forms the Investment Options document for the Investor Directed Portfolio Service (IDPS) known as Summit Money Master. This document is jointly issued by N.M. Superannuation Proprietary Limited (NM Super) ABN , AFS Licence No. 2, NMMT Limited (NMMT) ABN , AFS Licence No. 2. This publication has been prepared to provide general information only does not take into account the financial objectives, situation or needs of any particular person. It is not intended to take the place of professional advice you should not take action on specific issues in reliance on this information. Before making an investment decision, you need to consider (with or without the assistance of an adviser) whether this information is appropriate to your needs, objectives circumstances. Past performance is not necessarily indicative of future performance. Please refer to the underlying fund manager s PDS for further information relating to the underlying investment options. Applications for investment in Summit products will only be accepted via northonline.com.au/summit. Copies of the PDS IDPS Guides are available on northonline.com.au/summit or by contacting the North Service Centre on NMMT Limited, N.M. Superannuation Proprietary Limited their associates derive income from issuing interests in the product, full details of which are contained in the PDS IDPS Guides. Unless specifically stated, the repayment of capital or performance of our products are not guaranteed. This information is provided for persons in Australia only is not provided for the use of any person who is in any other country. A fund manager may close an investment option or we may remove an investment option from the Summit Investment Options. Where this occurs, we will provide you with 0 days prior notice to give you the opportunity to select an alternate investment option available from the Summit Investment Options document. Where we cannot provide you with 0 days prior notice (due to circumstances outside of our control), we will provide you with notice as soon as practicable for you to change your investment instructions. Where we have not received alternative investment instructions from you we will transfer any proceeds from that investment option into your Summit Cash account. If the investment option being removed forms part of your investment profile we will notify you to obtain alternative instructions. Events that may cause the removal of an investment option include but are not limited to an: investment manager closing the investment option investment option closing to new business. Identifying investments The APIR codes used in this document identify the underlying investments which Summit will purchase on your instruction. The APIR code can assist you in obtaining the PDS for the underlying investment comparing with other investment menus. Please refer to the underlying fund manager s PDS for further information relating to the underlying investment options. Underlying managed investment options PDSs for underlying managed investment options do not constitute an offer or invitation to subscribe to or buy any of the securities offered by the managers of investment options that have been included from time to time as investments made available by Summit to members, IDPS investors potential members of a plan. In addition, the fund managers of those investment options have not authorised or caused the issue of this document. The fund managers of those investment options, their respective officers, holding companies trustees do not guarantee the capital invested or the performance of the plans generally. Neither the performance nor payment of any particular return from, nor any increase in the value of the assets acquired using the investments listed in this Investment Option is guaranteed in any way. Changes to the underlying managed investment options After you become an investor, each time you make additional contributions to a managed investment option you may not have the most recent underlying fund manager PDS or have been notified about material changes or significant events relating to the investment options you have selected. You can access the most uptodate PDS for the managed investment options you have selected by accessing North Online at northonline.com.au/summit. Please contact the North Service Centre on or at north@amp.com.au. Fund managers of the managed investment options may notify us from time to time of material changes or significant events that affect an investment option you have selected. We will notify you of these changes as soon as practical through North Online. We will not be responsible for any delays in notifying you of these changes or events where the delay has been caused by a fund manager. If you wish, you may select a different investment option after you have read the uptodate information; however, regular fees charges may apply. If you do not notify us that you wish to select a different investment option contributions will continue to be invested in the existing investment option. 18

19 costs The costs presented in this document are estimates only include expense recoveries indirect costs (performance fees where applicable other indirect costs). Before selecting an investment option, you should refer to the latest management costs set outin the relevant product disclosure statement for the particular fund. Fund manager payments NMMT may receive payments of up to 0.% from fund managers for amounts invested in particular investment options made available in this document (fund manager payments). The fund manager payment received is based on amounts invested with the fund manager the management costs of these investments. These payments, the method of calculation, may change from time to time are not an additional cost to you. Buy/sell spread The buy/sell spread information provided in the Investment Options document is indicative only may not reflect the most current buy/sell margin costs that may be incurred. Contact us If you would like to know more about how Summit can help you, please visit northonline.com.au/summitnorthonline.com.au/summit, or contact one of the following: phone web Mail northonline.com.au/summit North Service Centre GPO Box 291 MELBOURNE VIC 001 What you need to know Operator Issuer: NMMT Limited ABN AFS Licence No. 2 Registered office: Alfred Street SYDNEY NSW 2000 Postal address: GPO Box 291 MELBOURNE VIC 001 Wealth Personal Superannuation Pension Fund ABN Trustee: N.M. Superannuation Proprietary Limited ABN AFS Licence No /18 19