STERLING MANAGED INVESTMENTS INVESTMENT MENU DATED 27 APRIL 2016 THIS INVESTMENT MENU IS ISSUED BY PRAEMIUM AUSTRALIA LIMITED (ABN 92 117 611 784, AFSL 297956). THE INFORMATION IN THIS DOCUMENT FORMS PART OF THE FOLLOWING PRODUCT DISCLOSURE STATEMENT: STERLING MANAGED INVESTMENTS PRODUCT DISCLOSURE STATEMENT (PDS) DATED 21 APRIL 2016.
Sterling Managed Investments CONTENTS Model Portfolio Managers and Model profiles 3 Sterling Conservative Portfolio 4 Sterling Balanced Portfolio 5 Sterling Growth Portfolio 6 Sterling Australian Equities Portfolio 7 Contact details for enquiries about the Sterling Managed Investments General number for enquiries: (03) 8622 1222 Email enquiries: support@praemium.com.au The name and contact details of the Responsible Entity are: Praemium Australia Limited Level 3, 50 Queen Street Melbourne VIC 3000 PO Box 322 Collins Street West MELBOURNE VIC 8007 Email: support@praemium.com.au Website: www.praemium.com.au 2
Model Portfolio Managers and Model profiles Sterling Managed Investments was one of the first Managed Accounts available for advisors to recommend to their clients. Sterling is part of the Futuro Financial Services group of companies, a leading independent Australian Financial Planning Licensee (with over 70 Authorised Representatives, responsible for $1.5B in FUA). Sterling is designed by independent financial planners to meet the specific needs of their clients. Sterling model portfolios are actively managed by a recognised industry investment professional whose mandate is to invest directly via shares and other listed securities wherever possible and if not then via Managed Funds to deliver consistent, replicable returns. Sterling has the flexibility to quickly replace the investment manager if they consistently underperform. 3
Model Portfolio Profile: SR0001 Sterling Conservative Portfolio Investment objective: To provide income with some capital growth through exposure to a diversified portfolio of investments over the suggested investment timeframe. 3-5 years 20% of the S&P/ ASX 200 Accumulation Index 5% of the S&P/ ASX 200 A-REIT Accumulation Index 5% of the MSCI World ex Australia Index (in $A) 60% of the Bloomberg Ausbond Composite 0+ Yr 10% RBA Cash Rate 25-35 seek relatively stable, regular income from low volatility assets, but with some exposure to the share market; are focussed on capital preservation and are prepared to forego the potential of higher returns for lower volatility and the preservation of capital; and Performance Fee Nil accept the risk of price fluctuations particularly over periods less than the minimum investment timeframe and that capital preservation is not guaranteed. This is an actively managed diversified portfolio of securities across both income orientated asset classes, such as cash and fixed interest securities and growth asset classes such as Australian equities, property and global securities. Whilst over the longer term the exposure to growth assets will be on average 30%. As this is an active portfolio, this may fluctuate within the allowable ranges depending on market conditions. Australian shares 0 30 International shares 0 10 Property securities 0 10 Fixed Income/Debt Securities 40 80 Cash 2 100 4
Model Portfolio Profile: SR0002 Sterling Balanced Portfolio Investment objective: To provide income and capital growth through exposure to a diversified portfolio of investments over the suggested investment timeframe. 3-5 years require a diversified balanced portfolio; 45% of the S&P/ ASX 200 Accumulation Index 5% of the S&P/ ASX 200 A-REIT Accumulation Index 10% of the MSCI World ex Australia Index (in $A) 35% of the Bloomberg Ausbond Composite 0+ Yr 5% RBA Cash Rate 25-35 are seeking moderate growth over the investment timeframe with a moderate level of income; Performance Fee Nil accept a moderate degree of volatility associated with a relatively higher exposure to growth assets;and accept the risk of price fluctuations particularly over periods less than the minimum investment timeframe and that capital preservation is not guaranteed. This is an actively managed diversified portfolio of securities across both income orientated asset classes, such as cash and fixed interest securities and growth asset classes such as Australian equities, property and global securities. Whilst over the longer term the exposure to growth assets will be on average 70%. As this is an active portfolio, this may fluctuate within the allowable ranges depending on market conditions. Australian shares 0 60 International shares 0 20 Property securities 0 10 Fixed Income/Debt Securities 20 60 Cash 2 100 5
Model Portfolio Profile: SR0003 Sterling Growth Portfolio Investment objective: To provide capital growth over the suggested investment timeframe. 5-7+ years seek a relatively high level of capital growth on their investment; seek a modest level of income; 60% of the S&P/ ASX 200 Accumulation Index 5% of the S&P/ ASX 200 A-REIT Accumulation Index 15% of the MSCI World ex Australia Index (in $A) 15% of the Bloomberg Ausbond Composite 0+ Yr 5% RBA Cash Rate 25-35 are willing to accept a high level of short- medium term capital volatility as a trade-off for long-term capital growth; and Performance Fee Nil accept the risk of price fluctuations particularly over periods less than the minimum investment timeframe and that capital preservation is not guaranteed. This is an actively managed diversified portfolio of securities across both income orientated asset classes, such as cash and fixed interest securities and growth asset classes such as Australian equities, property and global securities. Whilst over the longer term the exposure to growth assets will be on average 85%. As this is an active portfolio, this may fluctuate within the allowable ranges depending on market conditions. Australian shares 20 80 International shares 0 30 Property securities 0 10 Fixed Income/Debt Securities 0 40 Cash 2 100 6
Model Portfolio Profile: SR0004 Sterling Australian Equities Portfolio Investment objective: To provide investors with long term capital growth and some tax effective income from investment in a portfolio of Australian shares over the suggested investment timeframe. 5-7+ years are seeking long term capital growth and some income from a portfolio of Australian securities; are prepared to accept the risk of price fluctuations. This is an actively managed diversified portfolio of Australian equities securities. Some cash forms the portfolio to pay fees and to receive dividends for further investment. Whilst over the longer term the exposure to growth assets will be on average 98%. As this is an active portfolio, this may fluctuate within the allowable ranges depending on market conditions. S&P/ ASX 200 Accumulation Index 15-35 Performance Fee Nil Australian shares 85 100 Cash 0 15 7