mynorth investment options - north online - confidently meet … ·...

This document outlines the investment options availablethrough the MyNorth Super and Pension product disclosurestatement (PDS),MyNorthSuperandPensionGuaranteePDS,MyNorth Investment investor directedportfolio service (IDPS)guide and the MyNorth Investment Guarantee PDS.

MyNorth offers a range of investment options featuring:

– over 450 managed funds– managed portfolios– listed securities on theAustralian Securities Exchange (ASX)– exchange traded funds (ETFs), exchange traded

commodities (ETCs) and exchange traded bonds (ETBs)– listed investment companies (LICs) and listed investment

trusts (LITs)– Australian real estate investment trusts (AREITs), and– term deposits.

MyNorth investmentoptionsare split into threebroadcategories;Core, Select& Choice. The Administration fees you pay on yourMyNorth account will differ depending on the investmentoptions you choose. These Administration fees are described inthe MyNorth Super and Pension PDS - Part A or MyNorthInvestment IDPS Guide as applicable to you. From time to time,we'll add or remove investment options. We recommend youconsult your financial adviser before selecting the specificinvestment options for your investment strategy.

Contents

2Core investment options

3Select investment options

6Choice investment options

29Standard Risk Measure

30Other important information

MyNorth® Investment Options

Issue date 12 June 2020®MyNorth and North are registered trademarks of NMMT Limited ABN 42 058 835 573

The underlying fees and costs for each investment optiondisclosed in this document have either been sourced from anexternal research provider or directly from the relevant fundmanager and have not been independently verified by theTrustee or the administrator.

Management costs are the ongoing fees and expenses ofinvesting in an investment option and include managementfees, expense recoveries, performance fees (if applicable) andindirect costs.

As well as management costs, transactional and operationalcosts will generally be incurred when dealing with theunderlying assets of an investment option. They includebrokerage, clearing costs, stamp duty, the buy and sell spreadsof any underlying funds and certain costs associated withholding derivatives or direct investments in real property. Thenet transactional and operational costs shown are after anyamounts recovered by the charging of a buy/sell spread.

In addition, some investment options that have underlyinginvestments that use credit facilities to gain increased assetexposures will also incur borrowing costs. Borrowing costsinclude interest, government charges and debt advisory costs.Where borrowing costs are disclosed by the fund manager,these are detailed in this document. Before selecting aninvestment option, you should refer to the latest costs set outin that investment option's current product disclosurestatement.

For more information on fees and costs please refer to theMyNorth Super and Pension PDS – Part A,MyNorth Super andPension Guarantee PDS – Part B,MyNorth Investment IDPSGuideor theMyNorth InvestmentGuaranteePDSasapplicableto you.

Please submit all investment instructions through your adviseror North® Online, available via northonline.com.au.

Core investment optionsManaged funds

Riskband (i)

Buy/SellSpreads(%)

BorrowingCosts (%)

TransactionalandOperationalCosts (%)

ManagementCosts (%)

Fund nameAPIR code

MyNorth Active

50.08/0.16N/A0.290.67MyNorth Dynamic Balanced Fund (ii)AMP2086AU

50.15/0.150.050.480.77MyNorth Retirement FundAMP2087AU

MyNorth Index

50.12/0.18N/A0.010.55MyNorth Index BalancedIPA0182AU

30.08/0.25N/A0.020.56MyNorth Index DefensiveIPA0180AU

60.13/0.11N/A0.010.56MyNorth Index GrowthIPA0183AU

60.15/0.13N/A0.010.56MyNorth Index High GrowthIPA0184AU

40.10/0.23N/A0.020.55MyNorth Index Moderately DefensiveIPA0181AU

(i) For information on the Standard Risk Measure, refer to the Standard Risk Measure section further in this document.(ii) Following an investment review, it has been decided that this investment option will close to new investors. As we are in the process of

implementing its closure, purchasing new units in this option may only be temporary. We aim to close the fund to new investors within 30days of this document being issued.

Cash AccountFor the current cash account investment fee, refer to the Fees and other costs section in theMyNorth Super and Pension PDS –Part A or theMyNorth Investment IDPS Guide as applicable to you.

Please refer to northonline.com.au for the Cash Account performance report.

2

Select investment optionsManaged funds

Riskband (i)

Buy/SellSpreads(%)

BorrowingCosts (%)


ManagementCosts (%)

Fund nameAPIR code

Cash Option

1NilN/ANil0.17AMP Capital Cash Management Trust (W) (ii) (vi)NML0018AU

North Professional Series

50.18/0.230.140.301.49North Professional Alternative BalancedIPA0057AU

50.19/0.250.030.180.99North Professional BalancedIPA0077AU

30.16/0.300.020.210.77North Professional ConservativeIPA0176AU

60.19/0.190.030.161.08North Professional GrowthIPA0078AU

60.20/0.17N/A0.141.13North Professional High GrowthIPA0079AU

40.18/0.270.020.190.85North Professional Moderately ConservativeIPA0080AU

AMP Capital Goals Based Series

40.20/0.60N/A0.070.61AMP Capital Corporate Bond Fund (ii)AMP0557AU

60.20/0.20N/A0.330.72AMP Capital Equity Income Generator (ii)AMP1905AU

50.15/0.150.050.610.77AMP Capital Future Cash Flow 6 Series 1 (ii)AMP2088AU



50.11/0.12N/A0.060.81AMP Capital Income Generator (ii)IPA0075AU

50.13/0.140.290.441.06AMP Capital Multi Asset FundAMP1685AU

50.13/0.130.220.161.53AMP Capital Premium Growth FundIPA0178AU

Specialist Series

60.20/0.20N/A0.090.82Specialist Australian Share FundAMP0681AU

60.30/0.30N/A0.541.59Specialist Australian Small Companies FundAMP0973AU

30.11/0.43N/A0.510.80Specialist Diversified Fixed Income FundAMP1992AU

70.35/0.353.110.872.39Specialist Geared Australian Share Fund (iii)AMP0969AU

60.20/0.15N/A0.361.11Specialist International (Hedged) Share FundAMP0825AU

60.20/0.15N/A0.281.09Specialist International Share FundAMP0824AU

60.25/0.200.110.271.11Specialist Property and Infrastructure FundAMP1990AU

3

Riskband (i)

Buy/SellSpreads(%)

BorrowingCosts (%)


ManagementCosts (%)

Fund nameAPIR code

AMP Capital single sector and other funds

60.20/0.20N/A0.200.87AMP Capital Australian Equity Value Fund (W)NML0061AU

60.04/0.04N/A0.092.22AMP Capital Core Infrastructure FundAMP1179AU

50.14/0.140.400.551.25AMP Capital Core Property Fund – Class A (iv)AMP1015AU

50.15/0.15N/A0.840.63AMP Capital Dynamic Markets Fund (viii)AMP1932AU

60.25/0.25N/A0.240.81AMP Capital Global Infrastructure Securities Fund (Hedged)AMP1595AU

60.25/0.25N/A0.200.81AMP Capital Global Infrastructure Securities Fund (Unhedged)AMP1593AU

70.30/0.30N/A0.290.98AMP Capital Global Property Securities FundAMP0974AU

50.17/0.400.060.411.08AMP Capital Ethical Leaders Balanced FundAMP0452AU

60.25/0.25N/A0.591.14AMP Capital Responsible Investment Leaders International ShareFund (viii)AMP0455AU

40.10/0.55N/A0.170.37AMP Capital Wholesale Australian Bond Fund (ii)AMP0981AU

7Nil0.631.090.97AMP Capital Wholesale Australian Property Fund (v)(vii)NML0001AU

AMP Capital Experts' Choice Series

60.26/0.26N/A0.191.12AMP Capital Experts’ Choice Australian Shares FundHLR0002AU

40.20/0.200.020.211.01AMP Capital Experts’ Choice Balanced FundHLR0003AU

30.13/0.130.010.230.85AMP Capital Experts’ Choice Conservative FundHLR0004AU

30.12/0.12N/A0.510.76AMP Capital Experts’ Choice Diversified Interest Income FundHLR0001AU

60.24/0.240.020.161.06AMP Capital Experts’ Choice Growth FundHLR0005AU

60.22/0.20N/A0.131.17AMP Capital Experts’ Choice International Shares FundHLR0006AU

60.24/0.240.190.241.22AMP Capital Experts’ Choice Property and Infrastructure Fund (viii)HLR0022AU

1Nil/0.10N/A0.010.31AMP Capital Experts’ Choice Short TermMoney Market FundHLR0007AU

60.30/0.30N/A0.551.65AMP Capital Experts’ Choice Small Companies FundHLR0023AU

ipac Life Choices Series

40.18/0.170.020.190.85ipac Life Choices Active 50 (v)IPA0156AU



60.20/0.17N/A0.141.13ipac Life Choices Active 100 (v)IPA0153AU

50.18/0.170.140.301.49ipac Life Choices Alternative Balanced (v)IPA0157AU

50.11/0.12N/A0.060.81ipac Life Choices Income Generator (ii) (v)IPA0158AU

50.13/0.130.220.161.53ipac Life Choices Premium Growth (v)IPA0162AU

(i) For information on the Standard Risk Measure, refer to the Standard Risk Measure section further in this document.(ii) This investment option will distribute incomemonthly in cash. The investment option may also pay any realised capital gains and any other

distributable.(iii) Themanagement fee for thismanaged fund is charged on the gross assets of the fund including any borrowings. Themanagement cost shown

includes an estimate of the management fee based on the net assets of the fund.

4

(iv) This investment is defined as an illiquid investment under superannuation law. This means it is unlikely that it can be redeemed and proceedsreturned to the member/investor within 30 days and may take up to 120 days. For an explanation of illiquid investments please refer toLiquidity risk in theMyNorth Super and Pension PDS – Part A or theMyNorth Investment IDPS Guide.

(v) This investment option is closed to new investors. Existing investors that hold the fund can continue to purchase additional units.(vi) Investors who have selected a Guarantee may select these funds.(vii) This fund has restrictions on the timing and amount that can be redeemed when a withdrawal request is made. Where applicable, you can

subscribe to withdrawal offers using a suspended fund switch request form. Speak to your financial adviser and refer to the underlying fundproduct disclosure statement for further details.

(viii) Following an investment review, it has been decided that this investment option will close to new investors. As we are in the process ofimplementing its closure, purchasing new units in this option may only be temporary. We aim to close the fund to new investors within 30days of this document being issued.

Term depositsProvider

AMP

ANZ

Adelaide Bank

Please refer to northonline.com.au for the current list of terms and rates.

Term deposits are not currently available on accounts with a Guarantee.

Managed funds – in specie only transfersIn specie transfers allow you to transfer managed funds held outside of MyNorth into your MyNorth account. The transfer ofmanaged funds into MyNorth is subject to agreement by the previous provider. You're permitted to transfer any existing holdingof these managed funds, but you're not entitled to purchase additional units. For more information on in specie transfers, pleasecontact your financial adviser.

Riskband (i)

Buy/SellSpreads(%)

BorrowingCosts (%)


ManagementCosts (%)

Fund nameAPIR code

North Index

50.12/0.18N/A0.010.46North Index Balanced (ii)NMM0113AU

30.08/0.25N/A0.020.46North Index Defensive (ii)NMM0111AU

60.13/0.11N/A0.010.46North Index Growth (ii)NMM0114AU

60.15/0.13N/A0.010.46North Index High Growth (ii)NMM0115AU

40.10/0.23N/A0.020.46North Index Moderately Defensive (ii)NMM0112AU

North Active

50.16/0.20N/A0.170.84North Active BalancedIPA0067AU

30.11/0.28N/A0.180.64North Active DefensiveIPA0068AU

60.17/0.18N/A0.160.94North Active GrowthIPA0069AU

60.19/0.16N/A0.131.05North Active High GrowthIPA0070AU

40.13/0.26N/A0.160.74North Active Moderately DefensiveIPA0071AU

AMP Capital Goals Based Series

50.15/0.150.050.480.77AMP Capital Core Retirement FundAMP3254AU

(i) For information on the Standard Risk Measure, refer to the Standard Risk Measure section further in this document.(ii) 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.

5

Choice investment optionsManaged fundsManaged funds available with a MyNorth Guarantee.

Riskband (i)

Buy/SellSpreads(%)

BorrowingCosts (%)


ManagementCosts (%)

Fund nameAPIR code

North Guardian Funds

50.12/0.16N/A0.280.60North Guardian Balanced FundIPA0167AU

60.13/0.11N/A0.250.61North Guardian Growth FundIPA0168AU

40.10/0.21N/A0.260.61North Guardian Moderately Defensive FundIPA0169AU

(i) For information on the Standard Risk Measure, refer to the Standard Risk Measure section further in this document.

All other managed funds available through the Choice menu.

Riskband (i)

Buy/SellSpreads(%)

BorrowingCosts (%)


ManagementCosts (%)

Fund nameAPIR code

Advantage Range

Australian Shares

60.25/0.25N/A0.140.70Alphinity Advantage Australian Share FundAMP2072AU

70.30/0.300.061.651.40Ausbil Advantage 130/30 Focus FundAMP9620AU

60.25/0.25N/A0.170.88Bennelong Advantage ex-20 Australian Equities FundAMP9163AU

60.09/0.09N/A0.180.78DNR Capital Advantage Australian Equities High ConvictionFundAMP2076AU

60.20/0.20N/A0.010.70Fidelity Advantage Australian Equities FundAMP6702AU

60.15/0.15N/A0.030.76Ironbark Karara Advantage Australian Share FundAMP2074AU

60.25/0.25N/ANil0.65Legg Mason Martin Currie Advantage Equity Income FundAMP2113AU

60.20/0.20N/A0.230.75Merlon AdvantageWholesale Australian Share Income Fund (ii)AMP8760AU

60.30/0.30N/A0.340.70NAM Advantage Australian Share Income FundAMP6202AU

60.20/0.20N/A0.130.79Perennial Value Advantage IncomeWealth Defender Fund (iv)AMP2084AU

60.25/0.25N/A0.070.72Schroder Advantage Australian Equity FundAMP5683AU

6

Riskband (i)

Buy/SellSpreads(%)

BorrowingCosts (%)


ManagementCosts (%)

Fund nameAPIR code

Global Shares

70.15/0.15N/ANil1.35Aberdeen Advantage Emerging Opportunities Fund (iii)AMP9144AU

60.30/0.300.010.251.10Antipodes Advantage Global FundAMP9989AU

60.09/0.15N/A0.221.23Arrowstreet Advantage Global Equity FundAMP8663AU

60.20/0.20N/ANil1.05Grant Samuel Epoch Advantage Global Eq Shareholder YieldFundAMP2078AU

60.10/0.10N/ANil2.69Magellan Advantage Global FundAMP2080AU

60.14/0.09N/A0.012.54Walter Scott Advantage Global Equity FundAMP5356AU

60.06/0.06N/ANil0.78Zurich Investment Advantage Global Growth FundAMP5813AU

Fixed Interest

50.08/0.12N/A0.270.46AB Advantage Dynamic Global Fixed Income FundAMP2066AU

40.20/0.60N/A0.070.52AMP Capital Advantage Corporate Bond Fund (ii)AMP7750AU

50.55/0.55N/A0.140.62Bentham Advantage Global Income FundAMP2068AU

7Nil/0.50N/A0.020.40Janus Henderson Advantage Tactical Income FundAMP8287AU

3Nil/1.00N/A0.080.60Kapstream Advantage Absolute Return Income FundAMP8634AU

30.12/0.12N/A0.290.42PIMCO Advantage Diversified Fixed Interest FundAMP2082AU

40.12/0.56N/A0.120.40Schroder Advantage Fixed Income FundAMP7635AU

Property and Infrastructure

60.04/0.04N/A0.082.48AMP Capital Advantage Core Infrastructure FundAMP8292AU

70.30/0.30N/A0.250.82AMP Capital Advantage Global Property Securities FundAMP3259AU

60.25/0.25N/A0.130.88Lazard Advantage Global Listed Infrastructure FundAMP5018AU

60.25/0.25N/ANil0.65Legg Mason Martin Currie Advantage Australian Real IncomeFundAMP3087AU

60.25/0.15N/A0.340.85RARE Advantage Infrastructure Value Fund - HedgedAMP2070AU

Alternatives

40.30/0.30N/A0.430.80Invesco AdvantageWholesale Global Targeted Returns FundAMP5581AU

(i) For more information on the Standard Risk Measure, refer to the Standard Risk Measure section of this document.(ii) The investment option will distribute incomemonthly in cash. The investment option may also pay any realised capital gains and any other

distributable.(iii) This investment option is closed to new investors. Existing investors that hold the fund can continue to purchase additional units.(iv) Following an investment review, it has been decided that this investment option will close to new investors. As we are in the process of

implementing its closure, purchasing new units in this option may only be temporary. We aim to close the fund to new investors within 30days of this document being issued.

7

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)


ManagementCosts (%) (ii)

Fund nameAPIR code

Multisector

Cautious

40.10/0.10N/A0.060.76Colonial First State (W) Conservative Fund (iii)FSF0033AU

30.16/0.37N/A0.121.00UBS Defensive Investment FundSBC0814AU

Conservative

30.10/0.10N/ANil1.41Allan Gray Australia Stable FundETL0273AU

30.10/0.200.020.220.69BlackRock Diversified ESG Stable FundBAR0811AU

30.13/0.12N/A0.190.74Russell II Portfolio (iii)RIM0023AU

30.10/0.38N/A0.070.29Vanguard Conservative Index FundVAN0109AU

Moderately Conservative

40.10/0.20N/ANil0.40Dimensional World Allocation 50/50 Trust (iv)DFA0033AU

Balanced

60.25/0.25N/A0.450.79BlackRock Diversified ESG Growth FundBAR0813AU

50.18/0.180.040.490.85BlackRock Tactical Growth FundPWA0822AU

50.20/0.20N/A0.100.97Colonial First State Diversified Fund (W)FSF0008AU

50.18/0.18N/A0.050.96Maple-Brown Abbott Diversified Investment Trust (iii)MPL0001AU

50.16/0.16N/A0.050.82Maple-Brown Abbott Funded Super Fund (iii)MPL0801AU

50.36/NilN/A0.231.05Perpetual Balanced Growth Fund (W)PER0063AU

50.36/NilN/A0.251.32Perpetual PST Balanced Growth Fund (iii) (v)PER0061AU

50.17/0.15N/A0.150.85Russell IV Portfolio (iii)RIM0024AU

50.22/0.26N/A0.140.90Schroder Strategic Growth Fund (W)SCH0102AU

50.25/0.31N/A0.211.10UBS Balanced Investment FundSBC0815AU

40.10/0.33N/A0.070.29Vanguard Balanced Index FundVAN0108AU

Moderately Aggressive

50.10/0.18N/ANil0.40Dimensional World Allocation 70/30 Trust (iv)DFA0029AU

60.18/0.16N/A0.150.91Russell V Portfolio (iii)RIM0025AU

50.09/0.23N/A0.040.29Vanguard Growth Index FundVAN0110AU

Aggressive

60.12/0.12N/ANil0.43Dimensional World Equity Trust (iv)DFA0035AU

60.08/0.13N/A0.020.29Vanguard High Growth Index FundVAN0111AU

Specialist

40.15/0.20N/ANil0.94Aberdeen Standard Multi Asset Income Fund (ii)CRS0001AU

40.20/0.20N/ANil1.16Aberdeen Standard Multi Asset Real Return FundCRS0002AU

50.30/0.30N/A0.060.20BlackRock Global Allocation Australian FundMAL0018AU

50.30/0.30N/A0.060.40BlackRock Global Allocation FundMAL0029AU

8

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)



Fund nameAPIR code

5NilN/A0.310.75BlackRock Global Multi-Asset Income Fund (ii)BLK0009AU

30.07/0.62N/A0.020.65Pendal Monthly Income Plus Fund (ii)BTA0318AU

40.10/0.21N/A0.170.89Perpetual Wholesale Diversified Real Return FundPER0556AU

60.20/0.20N/A0.111.07PineBridge Global Dynamic Asset Allocation FundPER0731AU

20.18/0.31N/A0.080.60Schroder Real Return CPI +3.5% Fund –Wholesale ClassSCH0096AU

30.20/0.30N/A0.100.90Schroder Real Return CPI +5% Fund - Wholesale ClassSCH0047AU

40.10/0.10N/A0.210.58State Street Multi-Asset Builder FundSST0052AU

Cash

Cash and Deposits

1NilN/A0.010.25UBS Cash Fund (ii)SBC0811AU

Short Term Fixed Interest

1NilN/ANil0.22DDH Cash Fund (ii)DDH0009AU

40.03/0.08N/A0.030.19Dimensional Short Term Fixed Interest (iv)DFA0100AU

1NilN/ANil0.44Macquarie (W) Treasury Fund (iii)MAQ0055AU

40.03/0.12N/ANil0.31Macquarie Australian Diversified Income FundMAQ0204AU

3Nil/0.30N/A0.020.30UBS Cash Plus Fund (iii)SBC0812AU

10.02/0.11N/A0.060.29Vanguard Cash Plus Fund (ii)VAN0102AU

Fixed Interest

Australian Fixed Interest

40.05/0.15N/A0.110.53Aberdeen Standard Australian Fixed Income Fund (iii)CRS0004AU

30.05/0.05N/ANil0.55CC JCB Active Bond FundCHN0005AU

40.10/0.10N/A0.040.47Colonial FS (W'sale) Australian Bond Fund (iii)FSF0027AU

40.10/0.28N/ANil0.20iShares Australian Bond Index FundBGL0105AU

4NilN/A0.010.35Janus Henderson Cash Enhanced FundIOF0047AU

7NilN/A0.020.45Janus Henderson Tactical Income FundIOF0145AU

40.08/0.08N/A0.010.42Legg MasonWestern Asset Aust Bond Fund - Class A (ii)SSB0122AU

40.04/0.07N/ANilNilMacquarie True Index Australian Fixed InterestMAQ0211AU

40.05/0.35N/A0.030.30Nikko AM Australian Bond FundTYN0104AU

40.03/0.03N/ANil0.25Pendal Enhanced Cash FundWFS0377AU

40.06/0.25N/A0.150.50Pendal Fixed Interest FundRFA0813AU

40.05/0.30N/A0.080.40Pendal Sustainable Australian Fixed Interest FundBTA0507AU

4Nil/0.10N/A0.140.54PIMCO EQTWholesale Australian Focus FundETL0182AU

4Nil/0.10N/A0.060.54PIMCO EQT Australian Bond Fund (W)ETL0015AU

4Nil/0.27N/A0.060.45UBS Australian Bond FundSBC0813AU

40.08/0.39N/A0.020.24Vanguard Australian Fixed Interest Index Fund (W)VAN0001AU

9

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)



Fund nameAPIR code

40.04/0.24N/ANil0.24Vanguard Australian Government Bond Index FundVAN0025AU

Diversified Fixed Interest

3Nil/0.10N/A0.120.65PIMCO EQT Diversified Fixed Interest Fund (W)ETL0016AU

3Nil/0.10N/A0.180.74PIMCO EQT Global Bond Fund (W)ETL0018AU

40.12/0.35N/A0.110.50Schroder Fixed Income Fund - Wholesale ClassSCH0028AU

30.10/0.40N/A0.130.55UBS Diversified Fixed Income FundSBC0007AU

Global Fixed Interest

30.08/0.08N/A0.250.63Macquarie Dynamic Bond FundMAQ0274AU

30.25/0.92N/A0.510.55BlackRock International Bond FundPWA0825AU

4NilN/A0.120.62Colchester Global Government Bond FundETL5525AU

30.08/0.20N/A0.020.28Dimensional Five-Year Diversified F/I (iv)DFA0108AU

30.10/0.35N/A0.030.35Dimensional Global Bond Trust (iv)DFA0028AU

30.08/0.35N/ANil0.25Dimensional Two-Year Diversified F/I (iv)DFA0002AU

4NilN/A0.260.88PIMCO ESG Global Bond FundPIC6396AU

30.10/0.40N/ANil0.20iShares Global Bond Index FundBGL0008AU

30.08/0.35N/A0.090.26Vanguard International Fixed Interest Index Fund (Hedged)(W)

VAN0103AU

Annuities

3NilN/ANilNilChallenger Guaranteed Income Fund (4.00 cents pa 30 Sep2022) (ii) (vi)

MLT0010AU

4NilN/ANilNilChallenger Guaranteed Income Fund (2.03 cents pa 30 Sep2023) (ii) (vi)

MLT5897AU

Specialist

50.15/0.15N/A0.210.55AllianceBernstein Dynamic Global Fixed Income FundACM0001AU

30.13/0.13N/A0.180.50Ardea Real Outcome FundHOW0098AU

6NilN/A0.420.93Franklin Templeton Multisector Bond Fund (W) (xiv)FRT0011AU

5NilN/A0.100.65Franklin Australian Absolute Return Bond FundFRT0027AU

40.15/0.15N/ANil0.58JPMorgan Global Strategic Bond FundPER0727AU

3Nil/0.25N/A0.080.55Kapstream Absolute Return Income Fund (W)HOW0052AU

50.09/0.09N/A0.070.70LeggMason Brandywine Global Opportunistic Fixed IncomeFund - Class A

SSB0014AU

40.10/1.15N/ANil0.72Payden Global Income OpportunitiesGSF0008AU

5NilN/A0.080.91PIMCO Income Fund (ii)ETL0458AU

40.75/0.75N/A0.580.46T. Rowe Price Dynamic Global BondETL0398AU

10

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)



Fund nameAPIR code

Credit

60.55/0.55N/A0.090.77Bentham Global Income Fund (W) (ii)CSA0038AU

60.95/0.95N/ANil0.84Bentham Syndicated Loan Fund (W) (ii)CSA0046AU

50.15/0.15N/A0.050.62Colonial First State Global Credit Income Fund (W) (ii)FSF0084AU

60.10/0.10N/A0.180.75Invesco Senior Secured Income Fund (W) (ii)CNA0805AU

50.15/0.15N/A0.130.51Macquarie Income Opportunities Fund (ii)MAQ0277AU

30.10/0.75N/A0.170.71Perpetual Diversified Income Fund (W)PER0260AU

5Nil/0.55N/A0.030.73PIMCO EQT Global Credit Fund (W)ETL0019AU

60.10/0.10N/ANil1.02PM Capital Enhanced Yield FundPMC0103AU

50.15/0.50N/A0.280.80Principal Global Credit Opportunities FundPGI0001AU

50.20/0.36N/A0.120.54Schroder Absolute Return Income Fund (W)SCH0103AU

5Nil/0.70N/A0.040.60UBS Income Solution FundUBS0003AU

50.15/1.14N/A0.180.32Vanguard International Credit Securities Indexed HedgedFund

VAN0106AU

Property

Australian Property

70.25/0.25N/ANil0.85APN AREIT Fund (ii)APN0008AU

7Nil0.953.980.72Charter Hall Direct Industrial Fund No.4 (vii) (viii)MAQ0854AU

5Nil/2.500.083.260.58Charter Hall Direct Office (W) A (vii) (viii)MAQ0842AU

70.20/0.20N/A0.060.82Colonial Property Securities Fund (iii)FSF0004AU

7Nil0.484.932.95Cromwell Direct Property Fund (ii) (iii) (xiii)CRM0018AU

70.20/0.20N/A0.030.95Cromwell Phoenix Property Securities FundCRM0008AU

70.25/0.25N/A0.100.85Ironbark Paladin Property Securities FundPAL0002AU

70.08/0.08N/A0.010.20iShares Australian Listed Property Index FundBGL0108AU

60.25/0.25N/ANil0.85Legg Mason Australian Real Income FundSSB0026AU

70.25/0.25N/ANil0.74LeggMasonMartin Currie Property Securities Fund - Class ASSB0128AU

70.25/0.25N/A0.030.74Macquarie Master Property Securities Fund (iii)MAQ0063AU

70.50/NilN/A0.240.65Pendal Property Investment FundRFA0817AU

70.25/0.25N/A0.050.85SG Hiscock Property Opportunities Fund (W) (iii)HBC0008AU

70.25/0.25N/A0.010.78SG Hiscock Wholesale Property Fund (iii)CRS0007AU

70.25/0.25N/A0.140.85UBS Property Securities FundSBC0816AU

70.06/0.06N/A0.010.23Vanguard Australian Property Securities Index Fund (W)VAN0004AU

70.30/0.30N/ANil0.81Zurich Australian Property Securities FundZUR0064AU

11

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)



Fund nameAPIR code

Global Property

70.10/0.10N/ANil0.37Dimensional Global Real Estate Trust (iv)DFA0005AU

70.30/0.30N/A0.501.23Ironbark Global (Ex-Australia) Property Securities FundMGL0010AU

70.20/0.20N/A0.061.05Resolution Capital Global Property Securities (Unhedged)Series II

IOF0184AU

70.20/0.20N/ANil1.05Resolution Capital Global Property Securities Fund (Hedged)– Series II

IOF0081AU

70.20/0.20N/A0.091.21Resolution Capital Property Securities FundWHT0015AU

70.25/0.25N/A0.210.90UBS Clarion Global Property Securities FundHML0016AU

70.07/0.07N/ANil0.40Vanguard International Property Securities Index FundVAN0018AU

70.09/0.09N/A0.040.43Vanguard International Property Securities Index Fund(Hedged)

VAN0019AU

Australian Equities

Income

60.15/0.15N/A0.010.60Antares Dividend BuilderPPL0002AU

60.25/0.250.050.570.97Armytage Australian Equity Income FundETL0148AU

60.15/0.15N/A0.071.22Colonial First State Equity Income Fund (W)FSF0961AU

60.20/0.20N/A0.140.96Colonial Wholesale Imputation Fund (iii)FSF0003AU

60.25/0.25N/A0.090.99Investors Mutual Equity Income FundIML0005AU

60.25/0.25N/ANil0.85Legg Mason Martin Currie Equity Income FundSSB0043AU

60.20/0.20N/A0.090.92Maple-Brown Abbott Australian Share Fund (W)ADV0046AU

60.20/0.20N/A0.230.95Merlon Australian Share Income Fund (W) (ii)HBC0011AU

60.25/0.25N/A0.270.85Nikko AM Australian Share Income FundTYN0038AU

60.50/NilN/A0.040.90Pendal Imputation FundRFA0103AU

60.30/0.30N/A0.030.92Perennial Value Shares for Income Trust (xiv)IOF0078AU

60.20/0.20N/A0.060.90Plato Australian Shares Income FundWHT0039AU

60.05/0.05N/A0.020.35Vanguard Australian Shares High Yield FundVAN0104AU

70.25/0.25N/A0.460.97Vertium Equity Income FundOPS1827AU

Mid/Small/Micro Cap

60.10/0.10N/ANil1.26Aberdeen Standard Australian Small Companies FundCSA0131AU

60.10/0.10N/ANil0.95Aberdeen Standard Ex-20 Australian Equities FundCRS0003AU

60.30/0.30N/A0.190.85Ausbil Australian Emerging Leaders FundAAP0104AU

60.20/0.20N/A0.041.10Australian Ethical Australian Shares Fund (iii)AUG0018AU

70.25/0.25N/A0.581.65Bennelong Emerging Companies FundBFL3779AU

60.25/0.25N/A0.171.37Bennelong ex-20 Australian Equities FundBFL0004AU

60.10/0.10N/A0.040.61Dimensional Australian Small Company Trust (iv)DFA0104AU

70.30/0.30N/A0.311.70Eley Griffiths Group Emerging Companies FundPIM5346AU

12

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)



Fund nameAPIR code

60.30/0.30N/A0.261.70Eley Griffiths Small Companies FundEGG0001AU

60.25/0.25N/A0.601.20Fairview Equity Partners Emerging Companies FundANT0002AU

60.25/0.25N/A0.451.20Fidelity Future Leaders FundFID0026AU

60.30/0.30N/A0.101.25Hyperion Small Growth Companies FundBNT0101AU

60.25/0.25N/A0.230.99Investors Mutual Australian Small CompaniesIML0001AU

60.25/0.25N/A0.180.99Investors Mutual Future Leaders Fund (W)IML0003AU

60.20/0.20N/A0.051.57Ironbark Karara Australian Small Companies FundPAT0002AU

70.39/0.39N/A0.691.82Lennox Australian Small Companies FundHOW3590AU

60.40/0.40N/A0.440.63Macquarie Aust Smaller Companies Fund (iii)MAQ0454AU

60.30/0.30N/A0.341.72NovaPort Microcap Fund (W) (iii)HOW0027AU

60.30/0.30N/A0.050.90NovaPort Smaller Companies Fund (W)HOW0016AU

60.30/0.30N/A0.181.20OC Funds Management Premium Small Companies FundOPS0002AU

70.25/0.25N/A0.061.38Pendal MidCap FundBTA0313AU

60.50/NilN/A0.231.24Pendal Smaller Companies FundRFA0819AU

70.30/0.30N/A0.181.20Perennial Value Smaller Companies TrustIOF0214AU

60.15/0.15N/A0.201.26Perpetual Smaller Companies Fund (W) (iii)PER0048AU

70.10/0.10N/A0.150.66Realindex RAFI Small Companies Class AFSF0978AU

60.35/0.35N/A0.211.18SG Hiscock ICE FundETL0062AU

70.30/0.30N/A0.081.10Spheria Australian Small cap FundWHT0008AU

60.45/0.45N/A0.300.85UBS Australian Small Companies (iii)UBS0004AU

Large Cap

60.20/0.20N/ANil1.33Allan Gray Australia Equity FundETL0060AU

60.20/0.20N/ANil1.42Allan Gray Australian Equity - Class BETL0349AU

60.20/0.20N/A0.160.90Alphinity Australian Share (W)PAM0001AU

60.20/0.20N/A0.221.11Alphinity (W) Concentrated Australian Share FundHOW0026AU

60.20/0.20N/A0.130.95Alphinity Sustainable Share FundHOW0121AU

60.20/0.20N/A0.010.27AMP (W'sale) Equity Fund - Class A (iii)(v)AMP0370AU

60.30/0.30N/A0.040.90Ausbil Australian Active Equity FundAAP0103AU

60.30/0.30N/ANil1.01Ausbil Active Sustainable EquityAAP3940AU

60.25/0.25N/A0.161.00Bennelong Australian EquitiesBFL0001AU

60.20/0.20N/A0.160.92Bennelong Twenty20 Australian Equities FundBFL0017AU

60.15/0.15N/A0.010.45BlackRock Advantage Australian Equity Fund (xi)BAR0814AU

60.20/0.20N/A0.160.90Challenger Alphinity Australian Equity Fund (iii)HOW0019AU

60.20/0.20N/A0.110.96Colonial First State Australian Share Fund Core (W) (iii)CFM0404AU

60.20/0.20N/A0.120.96Colonial FS (W'Sale) Australian Share Fund (iii)(v)FSF0002AU

13

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)



Fund nameAPIR code

60.25/0.25N/ANil0.90DNR Australian Equities High Conviction FundPIM0028AU

60.08/0.08N/ANil0.28Dimensional Australian Core Equity Trust (iv)DFA0003AU

60.08/0.08N/ANil0.20Dimensional Australian Large Company Trust (iv)DFA0103AU

60.08/0.08N/A0.020.34Dimensional Australian Value Trust (iv)DFA0101AU

60.20/0.20N/ANil0.85Fidelity Australian Equities FundFID0008AU

60.20/0.20N/A0.090.85Fidelity Australian Opportunities FundFID0021AU

60.25/0.25N/A0.070.95Firetrail Australian High Conviction FundWHT3810AU

60.20/0.20N/A0.181.19Greencape Broadcap Fund (W)HOW0034AU

60.20/0.20N/A0.181.18Greencape High Conviction Fund (W)HOW0035AU

60.30/0.30N/A0.090.95Hyperion Australian Growth Companies FundBNT0003AU

60.25/0.25N/A0.050.99Investors Mutual Australian Share Fund (W)IML0002AU

60.25/0.25N/A0.050.99Investors Mutual Concentrated Australian Share FundIML0010AU

60.20/0.20N/A0.010.99Ironbark Karara Australian Share FundPAT0001AU

60.08/0.08N/ANil0.20iShares Australian Equity Index FundBGL0034AU

60.20/0.20N/A0.151.15Lazard Select Australian Equity Fund –W ClassLAZ0013AU

60.25/0.25N/A0.151.00Nikko AM Australian Share Concentrated FundTYN0040AU

60.25/0.25N/A0.260.80Nikko AM Australian Share Fund (W)TYN0028AU

60.50/NilN/A0.110.79Pendal Australian Equity FundBTA0055AU

60.50/NilN/A0.190.79Pendal Australian Share FundRFA0818AU

60.25/0.25N/A0.141.01Pendal Focus Australian Share FundRFA0059AU

60.30/0.30N/A0.070.92Perennial Value Shares Trust (W) (xiv)IOF0206AU

60.30/NilN/A0.171.00Perpetual Australian Share Fund (W)PER0049AU

60.15/0.15N/A0.111.10Perpetual Concentrated Equity Fund (W)PER0102AU

60.10/0.10N/A0.020.46Realindex Australian Share Fund – Class AFSF0976AU

60.30/0.30N/A0.441.16Russell Australian Opportunities Fund (Class A) (iii)RIM0029AU

60.25/0.25N/A0.070.92Schroder Australian Equity Fund (W)SCH0101AU

60.30/0.30N/A0.090.92Schroder Equity Opportunities FundSCH0035AU

60.25/0.25N/A0.060.90SG Hiscock SGH20 FundETL0042AU

60.30/0.30N/A0.070.90Solaris Core Australian Equity FundWHT0012AU

60.30/0.30N/A0.07NilSolaris CoreAustralian Equity Fund (PerformanceAlignment)SOL0001AU

60.10/0.05N/A0.180.60T. Rowe Price Australian Equity FundETL0328AU

60.25/0.25N/A0.200.90UBS Australian Share FundSBC0817AU

60.25/0.25N/A0.280.90UBS HALO Australian Share Fund (iii)UBS0024AU

60.05/0.05N/ANil0.16Vanguard Australian Shares Index Fund (W)VAN0002AU

60.20/0.20N/A0.150.97WaveStone Australian Share FundHOW0020AU

14

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)



Fund nameAPIR code

60.15/0.15N/A0.050.90Yarra Australian Equities FundJBW0009AU

Specialist

60.25/0.25N/A0.180.55Alliance Bernstein Managed Volatility Equities FundACM0006AU

60.15/0.15N/A0.060.70Antares Elite Opportunities FundPPL0115AU

60.15/0.150.550.621.05Antares High Growth Shares Fund (iii)PPL0106AU

70.30/0.300.061.671.06Ausbil 130/30 Focus FundAAP0008AU

70.30/0.301.02Nil2.21Ausbil Australian Geared Equity (xii)AAP0002AU

60.25/0.250.390.721.11Colonial First State Acadian Aust Equity Long Short (W)FSF0789AU

60.20/0.20N/A0.131.02Colonial First State Antares Elite Opportunities (W)FSF0455AU

70.50/0.503.530.212.23Colonial First State Geared Share Fund (W) (ix)FSF0043AU

60.25/0.25N/A0.080.99Investors Mutual Industrial Fund (W)IML0004AU

60.25/0.25N/A1.401.54L1 Capital Long Short Fund – Daily ClassETL0490AU

60.50/NilN/A0.040.95Pendal Ethical Share FundRFA0025AU

70.80/Nil2.86Nil1.45Pendal Geared Imputation FundRFA0130AU

60.20/0.20N/A0.041.59Pengana Australian Equities FundPCL0005AU

60.30/0.30N/A0.060.98Perennial ValueWealth Defender Australian Shares Trust (xiv)IOF0228AU

60.15/0.15N/A0.191.18Perpetual Ethical SRI Fund (W) (iii)PER0116AU

70.38/0.382.850.291.17Perpetual Geared Australian Share Fund (W) (xii)PER0071AU

60.30/NilN/A0.121.01Perpetual Industrial Share Fund (W)PER0046AU

60.30/NilN/A0.131.10Perpetual PST Industrial Share Fund (iii) (v)PER0058AU

60.20/0.200.220.351.18Perpetual Share Plus Long Short Fund (W)PER0072AU

60.30/0.300.20Nil1.11Solaris Australian Equity Long Short FundWHT3859AU

60.25/0.25N/ANil0.79State Street Australian Equity FundSST0048AU

60.25/0.25N/A0.241.36The Montgomery FundFHT0030AU

Global Equities

Income

60.20/0.20N/A0.021.30Epoch Global Equity Shareholder Yield (Hedged) FundGSF0001AU

60.20/0.20N/ANil1.25Epoch Global Equity Shareholder Yield (Unhedged) FundGSF0002AU

60.25/0.25N/A0.031.28Talaria Global Equity FundAUS0035AU

Mid/Small/Micro Cap

70.12/0.12N/A0.030.66Dimensional Global Small Company Trust (iv)DFA0106AU

70.30/0.30N/A0.241.12Lazard Global Small Cap Fund (W)LAZ0012AU

60.30/0.30N/ANil1.40Paradice Global Small Mid Cap Fund (iii)ETL0365AU

70.30/0.30N/A0.171.39Pengana Global Small Companies FundPCL0022AU

60.30/0.30N/A0.561.71Pengana International Fund – Ethical Opportunity (iii)HHA0002AU

15

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)



Fund nameAPIR code

60.30/0.30N/A0.401.35Pengana International Fund – Ethical (iii)HOW0002AU

Large Cap

60.20/0.20N/A0.060.85AB Global Equities FundACM0009AU

60.15/0.15N/ANil0.98Aberdeen Standard International Equity FundEQI0015AU

60.30/0.30N/A0.151.20Antipodes Global Long-OnlyWHT0057AU

60.16/0.11N/A0.191.28Arrowstreet Global Equity FundMAQ0464AU

60.35/0.35N/A0.050.35AXA IM Sustainable EquityETL0171AU

60.30/0.30N/A0.490.99Barrow Hanley Global Equity TrustETL0434AU

60.30/0.30N/A0.141.10BNP Paribas Environmental Equity TrustETL8171AU

60.17/0.17N/A0.070.50BlackRock Advantage International Equity Fund (xi)BAR0817AU

6NilN/A0.080.95Capital Group New Perspective FundCIM0006AU

60.30/0.30N/ANil0.99CWorldWide Global Equity TrustARO0006AU

60.10/0.10N/ANil0.36Dimensional Global Core Equity Trust (iv)DFA0004AU

60.10/0.10N/ANil0.29Dimensional Global Large Company Trust (iv)DFA0105AU

60.10/0.10N/ANil0.46Dimensional Global Value Trust (iv)DFA0102AU

60.30/0.30N/A0.051.15Fidelity Global Demographics FundFID0023AU

60.30/0.30N/A0.020.99Fidelity Global Equities FundFID0007AU

60.20/0.20N/A0.031.13Franklin Global Growth FundFRT0009AU

60.30/0.30N/ANil2.07Hyperion Global Growth Companies Fund - Class BWHT8435AU

60.29/0.16N/ANil1.38IFP Global Franchise FundMAQ0404AU

60.20/0.20N/ANil1.04Ironbark Royal London Concentrated Global Share FundMGL0004AU

60.10/0.10N/A0.010.20iShares Hedged International Equity IndexBGL0044AU

60.08/0.08N/ANil0.20iShares International Equity Index FundBGL0106AU

60.12/0.12N/A0.050.85Janus Henderson Global Equity Income FundHGI0005AU

6NilN/ANil0.35JPMorgan Global Research Enhanced Index EquityPER0719AU

60.20/0.20N/A0.021.25Lazard Global Equity Franchise FundLAZ0025AU

60.07/0.07N/ANil1.59Magellan Global FundMGE0001AU

60.07/0.07N/ANil2.48Magellan High Conviction FundMGE0005AU

60.07/0.07N/ANil2.50Magellan High Conviction Fund - Class BMGE9885AU

60.25/0.25N/ANil0.90MFS Concentrated Global Equity Trust WETL0172AU

60.25/0.25N/ANil0.77MFS Global Equity TrustMIA0001AU

60.25/0.25N/A0.371.97Montgomery Global FundFHT0036AU

60.20/0.20N/A0.190.99Nikko AM Global Share FundSUN0031AU

60.25/0.25N/A0.151.51Orbis Global Equity Fund Retail ClassETL0463AU

60.15/0.15N/A0.111.20Pan-Tribal Global Equity FundETL0419AU

16

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)



Fund nameAPIR code

60.25/0.25N/A0.130.90Pendal Core Global Share Fund (iii)RFA0821AU

60.25/0.25N/A0.150.90Pendal International Share Fund (iii)BTA0056AU

60.54/NilN/A0.711.23Perpetual International Share Fund (W) (iii)PER0050AU

60.54/NilN/A0.661.53Perpetual PST Global Share Fund (iii) (v)PER0059AU

60.27/0.27N/A0.711.25Perpetual Wholesale Global Share FundPER0733AU

60.30/0.30N/A0.410.99Plato Global Shares Income A (ii)WHT0061AU

60.22/0.19N/ANil1.28Polaris Global Equity FundMAQ0838AU

60.15/0.15N/A0.070.58Realindex Global Share Fund – Class AFSF0974AU

60.13/0.09N/A0.060.65Robeco Global DM Conservative Equities Fund (AUD)ETL3856AU

60.15/0.10N/A0.151.04Russell International Shares Fund (Class A) (iii)RIM0008AU

60.15/0.10N/A0.160.40Schroder Global Core FundSCH0003AU

60.20/0.15N/A0.180.98Schroder Global Value Fund (xiv)SCH0030AU

60.10/0.10N/ANil0.98State Street Global Equity FundSST0050AU

60.15/0.15N/A0.061.01Stewart Investors Worldwide Sustainability Fund - Class AFSF1675AU

60.25/0.20N/ANil1.18T. Rowe Price Global Equity FundETL0071AU

60.06/0.06N/ANil0.18Vanguard International Shares Index FundVAN0003AU

60.07/0.07N/ANil0.20Vanguard Ethically Conscious International Shares IndexVAN8175AU

60.14/0.09N/ANil1.28Walter Scott Global Equity FundMAQ0410AU

60.06/0.06N/ANil1.11Zurich Concentrated Global GrowthZUR0617AU

60.06/0.06N/ANil1.00Zurich Global Growth Share FundZUR0580AU

60.06/0.06N/ANil1.03Zurich Investments Global Thematic Share FundZUR0061AU

Large Cap (Currency Hedged)

60.15/0.15N/ANil0.98Aberdeen Standard Actively Hedged International EquitiesFund

CRS0005AU

60.15/0.15N/A0.090.99AberdeenStandard FullyHedged International Equities FundCSA0135AU

60.21/0.16N/A0.361.28Arrowstreet Global Equity Fund (Hedged)MAQ0079AU

60.12/0.12N/ANil0.36Dimensional Global Core Equity Trust (Hedged) (iv)DFA0009AU

60.35/0.22N/A0.101.38IFP Global Franchise Fund (Hedged)MAQ0631AU

60.20/0.20N/A0.121.12Ironbark Copper Rock Global All Cap Share Fund (iii)MGL0018AU

60.07/0.07N/ANil1.47Magellan Global Fund (Hedged)MGE0007AU

60.25/0.25N/ANil0.80MFS Fully Hedged Global Equity TrustETL0041AU

60.15/0.15N/A0.100.59Realindex Global Share Hedged Fund – Class AFSF0975AU

60.25/0.20N/A0.101.20T. Rowe Price Global Equity (Hedged) FundETL0312AU

60.08/0.08N/A0.050.21Vanguard International Shares Index Fund (Hedged)VAN0105AU

60.19/0.14N/A0.111.28Walter Scott Global Equity Fund (Hedged)MAQ0557AU

17

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)



Fund nameAPIR code

60.06/0.06N/A0.091.02Zurich Investments Hedged Global Thematic Share FundZUR0517AU

Regional

70.25/0.25N/ANil1.23Aberdeen Standard Asian Opportunities FundEQI0028AU

70.25/0.25N/ANil1.55Aberdeen Standard Emerging Opportunities Fund (iii)ETL0032AU

70.30/0.300.010.511.20Antipodes Asia FundIOF0203AU

70.25/0.25N/ANil0.72Dimensional Emerging Markets Trust (iv)DFA0107AU

70.40/0.40N/A0.011.15Fidelity Asia FundFID0010AU

70.40/0.40N/ANil1.21Fidelity China FundFID0011AU

70.40/0.40N/ANil0.99Fidelity Global Emerging Markets FundFID0031AU

70.40/0.40N/ANil1.20Fidelity India FundFID0015AU

70.40/0.40N/A0.061.15Lazard Emerging Markets FundLAZ0003AU

70.50/0.50N/A0.481.22Macquarie Asia New Stars No.1 Fund (iii)MAQ0640AU

70.20/0.20N/A0.461.35Platinum Asia FundPLA0004AU

70.25/0.25N/A0.031.35Platinum European FundPLA0001AU

70.20/0.20N/A0.141.35Platinum Japan FundPLA0003AU

60.30/0.40N/A0.050.96Robeco Emerging Conservative Equity FundETL0381AU

70.25/0.25N/A0.061.37Schroder Asia Pacific Fund (iii)SCH0006AU

70.30/0.30N/A0.101.40Schroder Global Emerging MarketsSCH0034AU

70.40/0.40N/ANil2.05UBS Emerging Markets Equity FundUBS8018AU

70.22/0.22N/ANil0.57Vanguard Emerging Markets Shares Index FundVAN0005AU

70.24/0.24N/ANil1.38Walter Scott Emerging Markets FundMAQ0651AU

Specialist

60.30/0.300.020.261.20Antipodes Global FundIOF0045AU

70.25/0.253.670.312.70Colonial First State Acadian Geared Global Equity (W) (viii) (ix)FSF0891AU

60.15/0.15N/A0.362.62Colonial First StateGenerationWholesale Global Share Fund(iii)

FSF0908AU

60.25/0.25N/A0.211.18Colonial First State Global Resources Fund (W) (iii)FSF0038AU

60.25/0.25N/A0.431.12Ironbark Copper Rock EmergingMarkets Opportunities FundMGL0019AU

60.13/0.13N/A0.221.10Janus Henderson Global Natural Resources FundETL0331AU

60.20/0.20N/A0.141.35Platinum International Brands FundPLA0100AU

60.20/0.20N/A0.051.35Platinum International FundPLA0002AU

60.15/0.15N/A0.011.35Platinum Unhedged FundPLA0006AU

60.25/0.250.180.061.45PM Capital Global Companies FundPMC0100AU

18

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)



Fund nameAPIR code

Infrastructure

Global

60.25/0.25N/A0.060.98Lazard Global Listed Infrastructure FundLAZ0014AU

60.25/0.25N/A0.081.02Macquarie International Infrastructure Securities Fund(Hedged)

MAQ0432AU

60.25/0.25N/A0.021.01Macquarie International Infrastructure Securities Fund(Unhedged)

MAQ0825AU

60.15/0.15N/ANil1.21Magellan Infrastructure FundMGE0002AU

60.15/0.15N/ANil1.31Magellan Infrastructure Fund (Unhedged)MGE0006AU

60.20/0.20N/A0.050.98Maple-Brown Abbott Global Listed Infrastructure FundMPL0006AU

60.20/0.20N/A0.091.00Maple-Brown Abbott Global Listed Infrastructure Fund(Hedged)

MPL0008AU

60.20/0.15N/A0.151.02RARE Infrastructure Income FundTGP0016AU

60.20/0.15N/A0.271.32RARE Infrastructure Value Fund (Hedged)TGP0008AU

60.20/0.15N/A0.211.27RARE Infrastructure Value Fund (Unhedged)TGP0034AU

60.07/0.07N/ANil0.49Vanguard Global Infrastructure Index FundVAN0023AU

60.12/0.12N/ANil0.52Vanguard Global Infrastructure Index Fund (Hedged)VAN0024AU

Alternatives

4NilN/A0.732.60Aspect Diversified Futures Fund – Class AFSF1086AU

40.03/0.030.160.181.03Auscap Long Short Australian Equities Fund (iii)(xvi)ASX6124AU

60.20/0.200.080.712.36Bennelong Kardinia Absolute Return Fund (iii)(xv)BFL0010AU

40.45/0.450.282.601.25BlackRock Multi Opportunity Absolute Return FundBLK0001AU

40.50/0.500.440.851.50Firetrail Absolute Return FundWHT5134AU

4NilN/A0.321.01GMO Systematic Global Macro Trust - Class BGMO0006AU

40.30/0.30N/A0.450.93Invesco Wholesale Global Targeted Returns Fund – Class AGTU0109AU

4NilN/A0.201.88Ironbark GCM Global Macro Fund (iii)(xvi)DEU0109AU

4NilN/A0.343.69Ironbark LHP Diversified Investments Fund (iii) (xvi)HFL0104AU

4NilN/A0.191.99MAN AHL Alpha FundMAN0002AU

6NilN/ANil2.75Partners Group Global Value Fund (viii)ETL0276AU

40.27/0.05N/A0.411.99Winton Global Alpha FundMAQ0482AU

(i) For information on the Standard Risk Measure, refer to the Standard Risk Measure section further in this document.(ii) The investment option will distribute incomemonthly in cash. The investment option may also pay any realised capital gains and any other

distributable.(iii) This investment option is closed to new investors. Existing investors that hold the fund can continue to purchase additional units.(iv) Available through Dimensional approved advisers only. Advisers can contact Dimensional on 02 8336 6556.(v) This is a tax paid investment option and is only eligible to superannuation members.(vi) This investment option has an early withdrawal fee. Refer to the investment option's underlying PDS, available from North Online, for further

information.(vii) Not available to super or pension members.(viii) This investment is defined as an illiquid investment under superannuation law.This means it is unlikely that it can be redeemed and proceeds

returned to the member/investor within 30 days and may take up to 120 days. For an explanation of illiquid investments please refer toLiquidity risk in theMyNorth Super and Pension PDS – Part A or theMyNorth Investment IDPS Guide.

19

(ix) Themanagement fee for thismanaged fund is charged on the gross assets of the fund including any borrowings. Themanagement cost shownincludes an estimate of the management fee based on the net assets of the fund.

(x) This fund has restrictions on the timing and amount that can be redeemedwhen awithdrawal request is made. Please refer to the underlyingfund product disclosure statement for further details.

(xi) This fund is not affiliated with the Advantage Range funds available for MyNorth.(xii) Themanagement fee for thismanaged fund is charged on the gross assets of the fund including any borrowings. Themanagement cost shown

is an estimate of the management fee based on the gross assets of the fund.(xiii)This fund has restrictions on the timing and amount that can be redeemed when a withdrawal request is made. Where applicable, you can

subscribe to withdrawal offers using a suspended fund switch request form. Speak to your financial adviser and refer to the underlying fundproduct disclosure statement for further details.

(xiv) Following an investment review, it has been decided that this investment option will close to new investors. As we are in the process ofimplementing its closure, purchasing new units in this option may only be temporary. We aim to close the fund to new investors within 30days of this document being issued.

(xv) Following an investment review, it has been decided that this investment option will no longer be available to purchase for Super, Pensionand IDPS investors (close only). As we are in the process of implementing its closure, purchasing additional units in this option may only betemporary.

(xvi) Following an investment review, it has been decided that this investment option will terminate for Super and Pension products (close andredeem) and will no longer be available to further investment for IDPS investors (close only). As we are in the process of implementing itsclosure, purchasing additional units in this optionmay only be temporary.We aim to begin selling down unitswithin 30 days of this documentbeing issued

Managed funds – in specie only transfersIn specie transfers allow you to transfer managed funds held outside of MyNorth into your MyNorth account. The transfer ofmanaged funds into MyNorth is subject to agreement by the previous provider. You're permitted to transfer any existing holdingof these managed funds, but you're not entitled to purchase additional units. For more information on in specie transfers, pleasecontact your financial adviser.

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)


ManagementCosts (%)

Fund nameAPIR code

Multisector

Conservative

20.12/0.12N/A0.130.69Advance Defensive Multi Blend Fund (ii)ADV0049AU

30.17/Nil0.140.200.88Pendal Active Conservative FundBTA0805AU

30.13/0.12N/A0.120.70Russell Conservative FundRIM0002AU

30.13/0.12N/A0.192.08Russell II Portfolio – Class B UnitsRIM0026AU

Balanced

50.20/0.30N/A0.160.79Advance Balanced Multi Blend FundADV0050AU

50.13/0.120.140.180.94BT Balanced Returns PST Fund (iii)BTA0004AU

50.15/0.15N/A0.020.51Colonial First State FirstChoice Multi-Index Balanced Fund– Class AFSF1416AU

50.29/Nil0.140.191.00Pendal Active Balanced FundRFA0815AU

50.17/0.15N/A0.120.87Russell Balanced FundRIM0001AU

40.15/0.14N/A0.110.80Russell Div 50 Fund – Class A UnitsRIM0003AU

50.22/0.22N/A0.140.59Schroder Strategic Growth Fund - Professional Class (v)SCH0010AU

6+++0.66Zurich (W) Super Managed Growth FundZUR0209AU

Moderately Aggressive

60.24/0.24N/A0.150.98Advance High Growth Multi Balanced FundADV0087AU

50.15/0.140.140.160.95BT Active Balanced PST Fund (iii)RFA0823AU

50.18/0.16N/A0.100.94Russell Growth FundRIM0004AU

20

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)


ManagementCosts (%)

Fund nameAPIR code

60.21/0.19N/A0.121.05Russell High Growth FundRIM0034AU

60.17/0.15N/A0.152.18Russell IV Portfolio – Class B UnitsRIM0027AU

50.18/0.16N/A0.152.24Russell V Portfolio – Class B UnitsRIM0028AU

Credit

Mortgages

4++++Australian Unity High Yield Mortgage TrustAUS0005AU

4++++Australian Unity Wholesale Mortgage Income TrustAUS0116AU

60.20/0.20N/ANil0.72MLCWholesale Income Builder FundMLC0264AU

4++++OnePath Monthly Income Trust (iv)HML0002AU

4++++OnePath Mortgage Trust No 2MMF0006AU

Australian Fixed Interest

4++++Colonial FS (W) Income FundFSF0139AU

40.04/0.08N/A0.120.50Macquarie Master Fixed Interest FundMAQ0061AU

Global Fixed Interest

30.15/0.75N/A0.030.49UBS International Bond FundSBC0819AU

Property

Australian Property

73.00/0.501.320.621.05AUI Healthcare Property Trust W (v)AUS0112AU

7++++PFA Diversified Property Trust (ii)PFA0001AU

Australian Equities

Mid/Small/Micro Cap

60.30/0.30N/A0.551.20AMP (W'sale) Small Companies Fund - Class AAMP0446AU

60.18/0.18N/A0.120.96OnePath (W) Emerging Companies TrustMMF0112AU

60.30/0.30N/A0.142.12Pengana Emerging Companies FundPER0270AU

Large Cap

60.10/0.10N/ANil0.80Aberdeen Standard Australian Equities FundMGL0114AU

60.20/0.20N/A0.120.88Australian Unity (W) Platypus Australian Equities FundAUS0030AU

6++++BT Australian Share PST Fund (iii)BTA0062AU

60.20/0.20N/A0.151.01Lazard Select Australian Equity Fund (W)FSF0079AU

60.11/0.11N/A0.230.92OnePathWholesale Australian Share TrustAJF0804AU

60.15/0.15N/A0.111.98Perpetual Industrial Share FundPER0011AU

60.25/0.25N/A0.070.62Schroder Australia Equity FundSCH0002AU

21

Riskband (i)

Buy/SellSpreads (%)

BorrowingCosts (%)


ManagementCosts (%)

Fund nameAPIR code

Global Equities

Large Cap

60.20/0.20N/A0.221.00AMP Capital Global Equity Value Fund (W)NML0348AU

50.18/0.13N/A0.171.11Russell Global Opportunities (Class A) FundRIM0032AU

60.12/0.12N/ANil0.81Zurich (W) Super Global Thematic Share FundZUR0215AU

60.12/0.12N/ANil1.00Zurich Investments Managed Growth FundZUR0059AU

Large Cap (Currency Hedged)

60.18/0.18N/A0.120.53BlackRock Advantage Hedged International Equity Fund (vi)BGL0109AU

Specialist

6++++MLC Platinum Global FundMLC0317AU

50.15/0.15N/ANil1.35Platinum Inter Technology FundPLA0101AU

Infrastructure

Global

7++++Macquarie Global Infrastructure Trust IIMAQ0353AU

Alternatives

1++++Man Investments OM-IP (iv)MAN0034CK

1++++Man Investments OM-IP 220 Ltd - Series 6 (iv)MAN0011CK

1++++Man Investments OM-IP 220 Ltd - Series 8 (iv)MAN0013CK

1++++Man Investments OM-IP 2AHL Ltd (iv)MAN0036CK

1++++Man Investments OM-IP Eclipse 2010 (iv)MAN0039CK

1++++Man Investments Series 4 OM-IP (iv)MAN0009CK

(i) For information on the Standard Risk Measure, refer to the Standard Risk Measure section further in this document.(ii) The investment option will distribute incomemonthly in cash. The investment option may also pay any realised capital gains and any other

distributable.(iii) This is a tax paid investment option and is only eligible to superannuation members.(iv) This investment is defined as an illiquid investment under superannuation law.This means it is unlikely that it can be redeemed and proceeds

returned to the member/investor within 30 days and may take up to 120 days. For an explanation of illiquid investments please refer toLiquidity risk in theMyNorth Super and Pension PDS – Part A or theMyNorth Investment IDPS Guide.

(v) Not available to super or pension members.(vi) This fund is not affiliated with the Advantage Range funds available for MyNorth.+ 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 and costs.

22

Managed PortfoliosYou are able to invest in a diverse range of managed portfolios offered as part of the MyNorth Managed Portfolio product. Themanaged portfolios available may change from time to time, refer to the relevant MyNorth Managed Portfolio Product DisclosureStatement for up-to-date information.This document can be found at northonline.com.au/managedportfolios.

As at the date of publication, the following managed portfolios are available for investment.

Riskband(i)

Buy/SellSpreads(%)

Borrow-ingCosts(%)


ManagementCosts lessestimatedPerformanceFees (%)

ManagementCosts (%)

Fund nameCode

Research Choice Managed Portfolios

30.19/0.18N/A0.080.580.59Research Choice Conservative Income PortfolioNTH0001

40.22/0.20N/A0.100.660.67Research Choice Moderately Conservative IncomePortfolioNTH0002

50.22/0.20N/A0.110.750.77Research Choice Balanced Income PortfolioNTH0003

60.20/0.19N/A0.100.810.84Research ChoiceModerately Aggressive Income PortfolioNTH0004

60.21/0.20N/A0.120.890.92Research Choice Aggressive Income PortfolioNTH0005

30.23/0.18N/A0.130.610.65Research Choice Conservative Accumulation PortfolioNTH0006

40.25/0.20N/A0.180.710.77Research ChoiceModerately Conservative AccumulationPortfolioNTH0007

50.23/0.20N/A0.210.800.89Research Choice Balanced Accumulation PortfolioNTH0008

60.20/0.19N/A0.220.870.98Research Choice Moderately Aggressive AccumulationPortfolioNTH0009

60.20/0.20N/A0.260.961.09Research Choice Aggressive Accumulation PortfolioNTH0010

40.21/0.19N/A0.090.620.63Research Choice Cautious Income Builder Portfolio(Objective Based)NTH0011

50.22/0.20N/A0.100.710.73Research Choice Income Builder Portfolio (ObjectiveBased)NTH0012

Quilla Consulting Managed Portfolios

30.11/0.19N/A0.070.890.91Quilla Income Generator PortfolioNTH0020

40.12/0.17N/A0.070.940.97Quilla Wealth Accumulator PortfolioNTH0021

50.14/0.14N/A0.070.950.98Quilla Wealth Accelerator PortfolioNTH0022

60.17/0.17N/A0.071.031.06Quilla Wealth Accelerator Plus PortfolioNTH0023

Zenith Essentials Managed Portfolios

40.11/0.31N/A0.140.731.00Zenith Essentials 50% Growth PortfolioNTH0024




Lonsec Retirement Managed Portfolios

30.11/0.33N/A0.090.910.91Lonsec Retirement Managed Portfolios – ConservativeNTH0046

40.14/0.31N/A0.071.011.01Lonsec Retirement Managed Portfolios – BalancedNTH0047

60.18/0.29N/A0.061.091.09Lonsec Retirement Managed Portfolios – GrowthNTH0048

23

https://northonline.com.au/managedportfolios

Riskband(i)

Buy/SellSpreads(%)

Borrow-ingCosts(%)


ManagementCosts lessestimatedPerformanceFees (%)

ManagementCosts (%)

Fund nameCode

InvestSense Managed Portfolios

30.05/0.21N/A0.080.660.68InvestSense Diversified Portfolio 2NTH0049




MyNorth Sustainable Managed Portfolio

50.15/0.17N/A0.100.890.89MyNorth Sustainable Managed PortfolioNTH0053


Listed securitiesYou are able to invest in securities listed on the ASX. Selected listed investment companies and listed property trusts are availablefor 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 theASX with the exception of unlisted managed funds (mFunds).

For superannuation and pension members, you will have access to the following listed securities:

– shares currently listed in the S&P/ASX300 index– selected LICs and LITs– A-REITs listed on the ASX all ordinaries index– selected hybrids (ie convertible notes and preference shares)– selected ETFs and ETCs– selected fixed interest securities (ie corporate bonds and floating rate notes), and– certain sub-classes of shares, initial public offerings (IPOs), share purchase plans (SPPs) and other securities that satisfy the

Trustee’s approval criteria.

Securities listed in the S&P/ASX300 are subject to change, impacting the ability to invest in securities that no longer fall in theS&P/ASX300.

The trustee may periodically add or remove listed securities available to superannuation and pensionmembers 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 directlydebited from your account. If using a third party broker, the cost per transaction varies between brokers and is subject to change.

Please refer to theMyNorth Super and Pension PDS – Part A orMyNorth Investment IDPS Guide for further details.

Listed securities are not currently available on accounts with a Guarantee.

24

Exchange traded productsThe following exchange traded products are available to MyNorth Super and Pension members.

Riskband (i)

Buy/SellSpreads(%)

BorrowingCosts (%)

Transactionaland

OperationalCosts (%)

ManagementCosts (%)

NameASX code

Australian Broad Based

4NilNil0.040.25BetaShares Australian Ex-20 Portfolio DiversifierEX20

6NilNil0.010.59BetaShares Australian Sustainability Leaders ETFFAIR

6NilNil0.540.76BetaShares Australian Top 20 Equity Yield Maximiser FundYMAX

6NilNil0.010.40BetaShares FTSE RAFI Australia 200 ETFQOZ

6NilNil3.330.80BetaShares Geared Australian Equity Fund (Hedge Fund)GEAR

6-Nil0.060.35ETFS S&P/ASX 300 High Yield Plus ETFZYAU

6-Nil0.040.30iShares Edge MSCI Australia Minimum Volatility ETFMVOL

6-NilNil0.09iShares MSCI Australia 200IOZ

6-NilNil0.24iShares S&P/ASX 20ILC

6-Nil0.020.55iShares S&P/ASX Small OrdinariesISO

6-Nil0.020.19SPDR 200 FundSTW

6-NilNil0.29SPDR 50 FundSFY

6NilNil0.040.50SPDR S&P/ASX Small Ordinaries FundSSO

6Nil0.030.040.35VanEck Vectors Australian Equal Weight ETFMVW

6Nil0.030.050.35VanEck Vectors MSCI AUS Sust Eq ETFGRNV

7Nil0.030.040.45VanEck Vectors S&P/ASX Midcap ETFMVE

7Nil0.030.040.49VanEck Vectors Small Companies Masters ETFMVS

6-Nil0.010.10Vanguard Australian Shares IndexVAS

6-Nil0.050.30Vanguard Small Companies IndexVSO

Australian Sector

6NilNil0.010.40SPDR S&P/ASX 200 Listed Property FundSLF

6NilNilNil0.40SPDR S&P/ASX 200 Financials ex A-REITS FundOZF

6NilNil0.010.40SPDR S&P/ASX 200 Resources FundOZR

6Nil0.030.040.35VanEck Vectors Australian Property ETFMVA

6Nil0.040.050.28VanEck Vectors Australian Banks ETFMVB

6-Nil0.010.23Vanguard Australian Property Securities Index ETFVAP

International

6NilNil0.030.59BetaShares Global Sustainability Leaders ETFETHI

6NilNil0.050.54BetaShares Managed Risk Global Share FundWRLD

6NilNil0.090.75BetaShares S&P 500 Yield Maximiser FundUMAX

6-Nil0.020.35ETFS Euro Stoxx 50 ETFESTX

7-NilNil0.99Fidelity Global Emerging MarketsFEMX

6-Nil0.030.50iShares Asia 50 ETFIAA

25

Riskband (i)

Buy/SellSpreads(%)

BorrowingCosts (%)

Transactionaland


ManagementCosts (%)

NameASX code

6-Nil0.040.77iShares China Large-Cap ETFIZZ

6-NilNil0.04iShares Core S&P 500IVV

6-NilNil0.10iShares Core S&P SmallCap 600IJR

6-NilNil0.08iShares Core S&PMidCap 400IJH

6-Nil0.050.43iShares Global 100 AUD Hedged ETFIHOO

6-NilNil0.32iShares MSCI EAFE ETFIVE

6-Nil0.030.69iShares MSCI Emerging Markets ETFIEM

6-NilNil0.47iShares MSCI Japan ETFIJP

6-Nil0.040.63iShares MSCI South Korea Capped ETFIKO

6-Nil0.030.64iShares MSCI Taiwan ETFITW

6-Nil0.020.10iShares S&P 500 AUD Hedged ETFIHVV

6-Nil0.010.60iShares Europe ETFIEU

6-Nil0.020.40iShares Global 100 ETFIOO

6NilNil0.031.50Magellan Global Equities Fund - Currency HedgedMHG

6NilNil0.031.49Magellan Global Equities FundMGE

6NilNil0.020.65S&P Emerging Markets FundWEMG

6NilNil0.100.50S&P Global Dividend FundWDIV

6NilNil0.010.30S&PWorld Ex Australian FundWXOZ

6NilNil0.080.35S&PWorld Ex Australian Hedged FundWXHG

6-NilNil0.09SPDR S&P 500 ETF TrustSPY

6NilNil0.030.49VanEck Vectors Morningstar Wide Moat ETFMOAT

6NilNil0.130.43VanEck Vectors MSCI World ex Australia Quality (Hedged) ETFQHAL

6-NilNil0.08Vanguard All-World EX US Shares IndexVEU

6-NIlNil0.18Vanguard Ethically Conscious International Shares ETFVESG

7-NilNil0.35Vanguard FTSE Europe Shares ETFVEQ

4-Nil0.070.20Vanguard International Fixed Interest Index (Hedged) ETFVIF

6-Nil0.040.21Vanguard MSCI Index International Shares (Hedged) ETFVGAD

6-NilNil0.18Vanguard MSCI Index International Shares ETFVGS

6-NilNil0.03Vanguard US Total Market Shares IndexVTS

60.20/0.20NilNil2.06WCMQuality Global Growth Fund ETFWCMQ

International Sectors

6NilNilNil0.48BetaShares NASDAQ 100 ETFNDQ

6NilNil0.020.50Dow Jones Global Real Estate FundDJRE

6-Nil0.010.47iShares Global Consumer Staples ETFIXI

6-NilNil0.48iShares Global Healthcare ETFIXJ

6NilNil0.051.17Magellan Infrastructure Fund (Currency Hedged)MICH

26

Riskband (i)

Buy/SellSpreads(%)

BorrowingCosts (%)

Transactionaland


ManagementCosts (%)

NameASX code

6Nil0.030.140.52VanEck Vectors FTSE Global Infrastructure (Hedged) ETFIFRA

6-Nil0.030.53VanEck Vectors Gold Miners ETFGDX

Strategy Focussed

6NilNilNil0.85BetaShares Legg Mason Real Income ETFRINC

6NilNil0.040.30iShares S&P/ASX Dividend Opportunities ETFIHD

6-NilNil0.34Russell High Dividend Australian Shares ETFRDV

6NilNil0.050.35SPDRMSCI Australia Select High Dividend Yield FundSYI

6-0.030.060.40VanEck Vectors MSCI World ex-Australia Quality ETFQUAL

6-Nil0.040.25Vanguard Australian Shares High Yield ETFVHY

Cash & Fixed Income Exposure

60.03/0.03Nil0.180.50Activex Ardea Real Outcome Bond ETFXARO

3NilNilNil0.24Australian BondBOND

3NilNilNil0.22Australian Government BondGOVT

5NilNilNil0.55BetaShare Active Australian Hybrids FundHBRD

50.05/0.05Nil0.030.22BetaShare Australian Bank Floating Rate Bond ETFQPON

1-NilNil0.18BetaShares Australian High Interest Cash ETFAAA

4-Nil0.050.27iShares Core Global Corporate Bond (AUD Hedged) ETFIHCB

3-NilNil0.15iShares UBS Composite Bond ETFIAF

4-NilNil0.18iShares UBS Government Inflation Index FundILB

4-NilNil0.26iShares UBS Treasury ETFIGB

4NilNil0.110.28Russell Australian Select Corporate BondRCB

3NilNil0.030.26Russell Australian Semi-Government Bond ETFRSM

5-Nil0.020.22VanEck Vectors Australian Floating Rate ETFFLOT

4-Nil0.040.26Vanguard Australian Corporate Fixed Interest Index FundVACF

3-Nil0.050.20Vanguard Australian Fixed Interest IndexVAF

4-Nil0.010.20Vanguard Australian Government Bond Index ETFVGB

5-Nil0.121.29Vanguard International Credit Securities (Hedged)VCF

Commodity Exposure

7NilNil0.011.29BetaShares Crude Oil Index ETF - Currency Hedged (Synthetic)OOO

7-NilNil0.40ETFS Physical GoldGOLD

7-NilNil0.49ETFS Physical SilverETPMAG

Diversified

60.25/0.25Nil0.070.90Schroder Real Return FundGROW


27

LICs & LITsThe following LICs and LITs are available toMyNorth Super andPension members.

Riskband (i)

NameASXcode

Australian Shares

6Antipodes Global Investment CompanyLimited

APL

6Argo Investments LimitedARG

6Australian Foundation Investment CompanyLimited

AFI

6Australian Leaders Fund LimitedALF

6Milton Corporation LimitedMLT

7Mirrabooka Investments LimitedMIR

6Perpetual Equity InvestmentCompany LimitedPIC

6Plato IncomeMaximiser LimitedPL8

6Qv Equities LimitedQVE

7Spheria Emerging Companies LimitedSEC

6WAM Active LimitedWAA

6WAM Capital LimitedWAM

6WAM Research LimitedWAX

Australian Fixed Income

4Metrics Credit Partners Master Income TrustMXT

International Shares

6Magellan Global TrustMGG

6Magellan High Conviction TrustMHH

6Platinum Asia Investments LimitedPAI

6Platinum Capital LimitedPMC

6PMCapitalGlobalOpportunities Fund LimitedPGF

International Fixed Income

5NB Global Corporate Income TrustNBI

7KKR Credit Income FundKKC

(i) For information on the Standard Risk Measure, refer to theStandard Risk Measure section further in this document.

Fixed interest securitiesThe following fixed interest securities are currently availableto MyNorth Super and Pension members. You may be able toinvest in other fixed interest securities that meet the Trustee’seligibility criteria. Please speak to your financial adviser formore information.

IssuerASX code

Floating Rate Notes

AGL Energy LimitedAGLHA

AMP LimitedAMPHA

Australia and New Zealand Banking GroupANZHA

APT Pipelines LimitedAQHHA

Bendigo and Adelaide Bank LimitedBENHB

Commonwealth Bank of AustraliaCBAHA

Colonial Holding Company LimitedCNGHA

Crown Resorts LimitedCWNHA

Crown Resorts LimitedCWNHB

Heritage Bank LimitedHBSHB

Macquarie Group LimitedMBLHB

National Australia Bank LimitedNABHA

National Australia Bank LimitedNABHB

Origin Energy LimitedORGHA

Qube Holdings LimitedQUBHA

TABCORP Holdings LimitedTAHHB

Westpac Banking CorporationWBCHA

Westpac Banking CorporationWBCHB

Woolworths LimitedWOWHC

28

Exchange Traded BondsThe following Exchange Traded Bonds (XTBs) are currentlyavailable to MyNorth Super & Pension members.

IssuerUnderlying BondASXcode

AGL ENERGY LTDAGL 5.00% 05/11/2021YTMAGL

APT PIPELINES LTDAPA 7.75% 22/07/2020YTMAPA

AURIZON NETWORK PTY LTDAZJ 5.75% 28/10/2020YTMAZJ

AUSNETSERVICESHOLDINGSAST 5.75% 28/06/2022YTMAST

DOWNER GROUP FINANCEPTYDOW 4.50% 11/03/2022YTMDO1

MIRVACGROUPFINANCELTDMGR 5.75% 18/09/2020YTMMGR

NATIONAL AUSTRALIA BANKNAB 4.00% 16/12/2021YTMNA1

QANTAS AIRWAYS LTDQAN 7.50% 11/06/2021YTMQF2

QANTAS AIRWAYS LTDQAN 7.75% 19/05/2022YTMQF3

STOCKLAND TRUSTSGP 8.25% 25/11/2020YTMSG1

TELSTRA CORP LTDTLS 7.75% 15/07/2020YTMTLS

WESTPAC BANKING CORPWBC 3.50% 28/07/2020YTMWB1

WESTPAC BANKING CORPWBC FRN 28/07/2020YTMF11

Standard Risk MeasureAbout the Standard Risk MeasureThe Standard Risk Measure (SRM) is a common risk descriptorused by superannuation funds.

It is based on guidance from the Australian PrudentialRegulation Authority (APRA) to allow investors to comparemanaged funds that are expected to deliver a similar numberof negative annual returns over any 20-year period.

We have introduced the SRM in accordance with therecommendations from the Financial Services Council (FSC)and Association of Superannuation Funds of Australia (ASFA).

SRM descriptorsEachmanaged fund listed in this document has been assigneda SRM.

The tablebelowsetsout theSRMlabelsused for eachmanagedfundbasedon theestimatednumberofnegativeannual returnsthat a managed fundmay experience over any 20-year period.

Estimated number of negativeannual returns over any 20 year

period

Risk labelRiskband

Less than 0.5Very low1

0.5 to less than 1Low2

1 to less than 2Low to medium3

2 to less than 3Medium4

3 to less than 4Medium to high5

4 to less than 6High6

6 or greaterVery high7

For example, managed funds with a risk band of 5 have amedium to high risk label and may experience between 3 toless than 4 years of negative annual returns over any 20-yearperiod.

LimitationsThe SRM is not a complete assessment of all forms ofinvestment risk and does not replace the need for financialadvice when constructing a managed fund portfolio. Forinstance, it does not detail what the size of a negative returncould be or the potential for a positive return to be less thanan investormay require tomeet their objectives. Further, it doesnot take into account the impact of administration fees andtax on the likelihood of a negative return.

TheSRM isnot a comprehensive accountof the risks of investingand investors should consider these risk labels in conjunctionwith the different risks of investing that apply to theirinvestments. Investors should still ensure they are comfortablewith the risks andpotential losses associatedwith their chosenmanaged fund(s).

29

MethodologyThe methodology used for calculating the SRM follows theFSC/ASFA recommendations and is in linewithmarket adoptedpractices. For full details on the methodology, please visitnorthonline.com.au. You can also contact your financial adviseror the North Service Centre on 1800 667 841 for any querieson the methodology.

Changes to the SRMFor each managed fund, any significant changes to marketconditions may alter the SRM from time to time. In addition,any changes to themethodologyused (includingany regulatorychanges) may also alter the SRM results.

We will generally review the SRM assigned to each managedfund annually.

Differences between each provider’s SRMInvestors should be aware that the SRM labels used for eachmanaged fund are based on our assessment andmay differ tothose assignedby other providers. The differences are generallydue to the methodology used in calculating the SRM.

Other importantinformationThis is the investmentoptionsdocument for theMyNorthSuperand Pension Fund (‘the Fund’, also known as ‘MyNorth Super’and ‘MyNorth Pension’ or ‘Wealth Personal Superannuationand Pension Fund’ ABN 92 381 911 598) and should beconsidered together with the current MyNorth Super andPension PDS – Part A.

This document is jointly issued by N.M. SuperannuationProprietary Limited (NMSuper)ABN31008428322,AFS LicenceNo. 234654, and NMMT Limited (NMMT) ABN 42 058 835 573,AFS Licence No. 234653.

This document also forms the Investment options documentfor the Investor Directed Portfolio Service (IDPS) known asMyNorth Investment. The Operator of the IDPS is NMMT.

Please refer to the PDS for each underlying managed fundinvestment option for detailed information relating to theunderlying managed fund investment options.

PDSs for underlying managed fund investment options do notconstitute an offer or invitation to subscribe to or buy any ofthe securities offered by the fund managers of investmentoptions. In addition, the fund managers of those investmentoptions have not authorised or caused the issue of thisdocument.Unless expressly stated, the fundmanagers of thosemanaged fund investment options, their respective officers,holding companies and trustees do not guarantee the capitalinvested bymembers ofMyNorth Super,MyNorth Pension andMyNorth Investment IDPS investors or the performance of theplans and investment options generally.

The performance, the payment of any particular return or anyincrease in the value of the assets acquired using theinvestments listed in this document are not guaranteed in anyway.

This publication has been prepared to provide generalinformationonly anddoesnot take intoaccount the investmentobjectives, financial situation or particular needs of any

particular person. It is not intended to take the place ofprofessional advice and you should not take action on specificissues in reliance on this information.

Before making an investment decision, you need to consider(with or without the assistance of an adviser) whether thisinformation is appropriate to your needs, objectives andcircumstances. You should obtain a copy of the relevant PDS orIDPS Guide before making a decision to invest in any financialproduct.

Past performance is not indicative of future performance.Detailed informationabout theMyNorthproducts is containedin the PDS and IDPS Guide.

Applications for investment in MyNorth products will only beaccepted via northonline.com.au. Copies of the PDS and IDPSGuide are available on northonline.com.au or can be obtainedby calling 1800 667 841 (1800 NORTH1).

NMMT Limited, N.M. Superannuation Proprietary Limited andtheir associates derive income from issuing interests in theproduct, full details ofwhich are contained in the PDS and IDPSGuide. Unless specifically stated, the repayment of capital orperformance of our products are not guaranteed.

This information is provided for persons in Australia only andis not provided for the use of any person who is in any othercountry.

Identifying investmentsThe APIR codes used in this document identify the underlyinginvestments that MyNorth will purchase on your instruction.The APIR code can assist you in obtaining the PDS for theunderlying investment and comparing with other investmentmenus.

Fund manager paymentsNMMTmay receive payments of up to 0.42% pa or fixedpayments from fund managers for amounts invested inparticular investment options made available to you.

Payments received are determined by the agreements NMMThaswith applicable fundmanagers. These payments and theirmethod of calculation may change from time to time and arenot an additional cost to you.

All fundmanager payments are agreed on arm's length terms.

Management costsThe Management costs presented in this document areestimates only and include expense recoveries and indirectcosts (performance fees where applicable and other indirectcosts). Before selecting an investment option, you should referto the latestmanagement costs set out in the relevant productdisclosure statement for the particular fund.

Buy/sell spreadThe buy/sell spread information provided in the investmentoptions document is indicative only and may not reflect themost current buy/sell spread costs that may be incurred.

30

Removing investment optionsWemaintain the right to add or remove investment options.In the event that an investment option is removed we willendeavour togive you30daysnotice to switch toanalternativeinvestment option. Please refer to the MyNorth Super andPension PDS – Part A or the MyNorth IDPS Guide and FSG forfurther information.

Note: A current copy of this document is available free ofcharge on MyNorth's website northonline.com.au or bycontacting theNorth Service Centre on 1800 667 841 (1800NORTH1).

Changes to your managed fundsFundmanagers of themanaged fund investment optionsmaynotify us from time to time of material changes or significantevents that affect an investment option you have selected. Wewill notify you of these changes as soon as practical throughNorth Online. We will not be responsible for any delays innotifying you of these changes or events where the delay hasbeen caused by a fund manager. If you wish, you may select adifferent investment option after you have read the up-to-dateinformation; however, regular fees and charges may apply. Ifyou do not notify us that you wish to select a differentinvestment option contributions will continue to be investedin the existing investment option.

Additional contributionsAfter you become an investor, each time you make additionalcontributions to a managed fund investment option you maynothave themost recent underlying fundmanager PDSor havebeen notified about material changes or significant eventsrelating to the investment options you have selected. You canaccess the most up-to-date underlying fund manager PDS forthe investment options you have selected by accessing NorthOnline on northonline.com.au.

Contact usIf you would like to knowmore about how AMP can help you, please visit amp.com.au, or contact one of the following:

What you need to know1800 667 841phoneOperator and issuer: NMMT Limited ABN 42 058 835 573 AFS Licence No. 234653Registered office: 33 Alfred Street SYDNEY NSW 2000Postal address: GPO Box 2915 MELBOURNE VIC 3001Wealth Personal Superannuation and Pension Fund ABN 92 381 911 598Trustee of Wealth Personal Superannuation and Pension Fund: N.M. SuperannuationProprietary Limited ABN 31 008 428 322 AFS Licence No. 234654

[email protected] Service CentreGPO Box 2915MELBOURNE VIC 3001

mail

2609

406

/20

mynorth investment options - north online - confidently meet … ·...

Documents