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Mlc wrap series 2 investment menu boards savings investment gap definition

Mlc wrap series 2 investment menu boards

Since then, the incumbents have been quick to follow suit, embracing industry trends to remain competitive, while using their economies of scale to keep costs down with these savings passed on to advisers and their clients. Managed accounts provide advisers with far greater control, enabling them to react to market events with improved transparency and flexibility. Owning the underlying assets of a portfolio, rather than just a unit of a managed fund, provides unique tax benefits to investors.

Interestingly, Netwealth experienced its largest trading day on record on March 19, with 42, transactions implemented on behalf of clients using managed accounts. Simone Du Chesne. This provides significant efficiency, scale, and functionality for advisers, as well as the potential to have higher value conversations with clients, Weber explains. Through a combination of efficient programming, trading bots are built with AI to offer real-time trading that imitates the thinking of a financial analyst who collects and processes data.

The bot learns about the market and its history, related news, social media, exchange indicators and more. And it has the additional benefit of removing room for human error. Super-charged benefits Ohanessian also believes APRA-regulated funds are poised for disruption, as consumers slowly wake up to the transparency and liquidity issues plaguing super fund giants. Similarly, Heine believes that managing super on a platform gives members greater control and flexibility over their investments.

Platforms also have more sophisticated online tools, such as portfolio reporting, transaction capability and investment research, Heine adds. Traditionally, managing a self-managed super fund SMSF was a very manual, paperheavy process, with investors steering clear from platforms in a bid to cut costs.

Platforms have evolved to be purpose-built technology to enable efficient management of portfolios. Michael Wright. Somewhat surprisingly, Sparks says the younger demographic is becoming more interested in the SMSF model.

Digital signatures were broadly adopted, helping advisers to make timely and compliant transactions without having to wait for signed documents. Other initiatives like webinars and podcasts were also introduced, helping to deliver investment insights to both advisers and their clients. Fees for some providers and investment options were also lowered, reducing costs for clients during a testing time.

But perhaps most illuminating, has been the ease at which Australians have adapted to the new normal - supercharging an already developing trend towards a digital advice offering. The webinars have covered the government stimulus policies, the FASEA Code of Ethics and end of financial year advice strategies, and have so far attracted over participants. Quirk also sees a major shift in fee models for the future.

There has been a shift in client expectations — where technology is pervasive at every touchpoint between an adviser and their client. Matt Heine. The culling of grandfathered commissions, as well as Standard 3 of the FASEA Code of Ethics and the advent of new technology-led platform solutions will see a shift towards different models of pricing, Bernasconi says.

Similarly, Rewal believes major disruption is on the horizon. The rise of micro-investing and the introduction of open banking will completely upend the platforms market as it is today. So, if something else comes along, and platforms are no longer that optimal tool, then we will most likely investigate that.

With BT Panorama you can take your business with you. In total, 2. Over the week to June 21, superannuation funds made payments to , members. Meanwhile, the ATO has begun to crack down on ERS misuse, saying it will take enforcement action against those who have deliberately exploited the system.

The taxation office listed a number of behaviours it considers suspicious including applying for ERS when there has been no change in regular salary or wage, artificially arranging affairs to meet the criteria and making false statements or fraudulent attempts to meet the criteria. TenFifty is home to all advisers previously aligned to Garvan, Apogee and Meritum.

Meanwhile, all salaried advisers now sit under the MLC Advice brand. The under-reporting of breaches relating to claims decision timeframes indicates that subscribers lack sufficient processes for recording and reporting such breaches. The code came into effect in , with the independent committee now publishing its second annual report on how life insurers are complying. The committee did not hide its disappointment, not only with life insurers but with the quality of data.

It also questioned how life insurance companies are training and monitoring staff, as a large volume of breaches of the code were caused by human error. The code found an increase in claims related complaints and claims handling timeframes. There were 19, complaints reported to life companies that subscribe to the code. Sustainable companies are performing better and responsible investment funds are largely continuing to outperform the general market, according to a new report from the Responsible Investment Association Australasia RIAA.

The report, COVID and the performance of responsible investments, said in a time of massive market disruption, responsible investment funds that integrate ESG factors have outperformed the rest of the market. It said responsible investing, including the consideration of ESG factors, helps investors identify a broad array of themes that are influencing markets and returns, and provides an important means for investors to navigate turbulent times; to avoid the most significant risks and to capture more opportunities.

AXA Investment Managers undertook an analysis of how leading ESG companies had performed in the first quarter of compared to laggards, applying their research across equities and bond markets. Pendal adds SRI lense to multi-asset fund Pendal has increased the consideration of sustainability factors in its multi-asset target return fund, in what it claims is an Australian first.

Led by Pendal multi-asset head Michael Blayney01 , the move saw the investment manager work with its recently acquired in-house ESG researcher Regnan to examine the impact of a stronger focus on sustainability and ESG on riskadjusted returns. These include the production of alcohol, the manufacture or provision of gaming facilities, non-controversial weapons or armaments, and pornography including the distribution of pornography , the direct mining of uranium for weapons manufacturing, the extraction of thermal coal and the production of oil sands.

New fund launches on ASX A newly established managed investment scheme has launched on the Australian Securities Exchange, aiming to achieve long-term capital growth. The Montaka Global Extension Fund Quoted Managed Hedge Fund has been launched to help investors gain access to opportunities to make attractive, multi-generational investments. The funds chief investment officer Andrew Macken said he believes investors will be forced to refocus and adjust to succeed in the post-COVID world.

Franklin Templeton cuts fees Franklin Templeton has dropped the fees on eight funds from 2bps to 23bps per year, effective July 1. Two other global equities funds will also lower their fees, with the Templeton Global Equity Fund going from 1. The Templeton Global Trust Fund will go from charging 0.

The manager is also dropping fees on five fixed income funds. The biggest cut in the category is for its Australian absolute return bond fund, which is going from 0. Several fixed income managers, including Nikko, Schroders and Aberdeen Standard dropped fees on fixed income funds last year on back of lower yield expectations, increasing competition and ahead of ASX listings.

The fund aims to provide investors with long term capital growth, with a focus on managing downside risk, with an investment period of at least five years. Investors will pay a 1. It said where there is insufficient income the responsible entity, Perpetual Trust Services, intends to distribute capital out of the fund with the objection of trying to meet its target.

Montaka Global Investments was established in and is led by Macken, who co-founded the company with Christopher Demasi who works as the portfolio manager. This includes video conferencing service Zoom, protective healthcare equipment provider 3M, payments giant Mastercard, supermarket conglomerate Walmart and anti-viral pharmaceutical company Gilead Sciences.

Chi-X Australia chief executive Vic Jokovic 02 said the new TraCRs additions provide investors with exposure to the latest thematic opportunities presented by the pandemic. By outsourcing some of their investment management tasks, allocating to model portfolios can help advisers redistribute their expertise appropriately. With changing market conditions, it has never been more important to provide advisers and their clients with a broader choice of quality and low-cost investment options to meet their needs.

And although the crisis has left death and destruction in its wake — it has also exposed the collective capabilities of the global economy, the benefits of clear communication, and the power of rapid digitisation. Those that perform poorly, on the other hand, are likely to find that people have long memories. The crisis has caused a sudden awareness of the vulnerabilities of global, low inventory supply chains and distributed operating models.

Kim Farrant. The COVID crisis has highlighted the need for greater health and safety entitlements for those in casual and contracted work, Williams said, including the need for a universal living wage. Simultaneously, the virus has stressed the importance of supply chain resilience — and the potential for the nationalisation and on-shoring of manufacturing.

However, the virus has also emerged as somewhat of a curtain, behind which, companies have laid off countless staff and closed no longer viable operations. So too has the crisis shone a light on the issues related to working from home, Governance Institute of Australia chief executive Megan Motto 02 said. Performance Performancedata dataasasatatApril April, ,workplace workplaceinvestment investmentoptions, options,performance performancenet netofofallallfees.

McMurdo believes the crisis has revealed the importance of empathy in leadership. This is an opportunity for positive, permanent change, he argued. The crisis has been sudden, profound and life-changing. Companies have been forced to make major changes, and many are seeing the workplace and the world differently.

John McMurdo. Enormous economic ramifications aside — social isolation has vastly magnified the wonder of simple beauty in nature; clear blue skies, crystal clean beaches, flourishing wildlife — a reminder of all that could be lost if nothing is done to combat climate change. The magnitude of the challenge has been highlighted in very real terms. Similarly, McMurdo sees a real opportunity for the wealth management industry to help rebuild a better future.

Public super fund rejigs offering The superannuation fund for Australian Defence Force employees will now allow departing staff to stay with the fund and consequently, has added an insurance offering. ADF Super currently allows only serving employees of the defence force to be with the fund, which is managed and administered by the Commonwealth Superannuation Corporation.

The fund does not have insurance. Starting July 6, the fund will allow veterans who are discharged from the defence force to continue being members of the fund, provided they served for at least 12 continuous months. We have no doubt this will enable Bell AM to forge long-term relationships with the very important and growing client base across Asia, Europe and the Middle East. We look forward to working with a like-minded. In turn, Bell will help UBP with market intelligence on Aussie institutionals, as the Swiss bank sends down a distribution lead from its Geneva office to Australia to establish relationships for its existing funds.

Bell will not receive any fees for this. We have no doubt this will enable Bell AM to forge long-term relationships with the very important and growing client base across. Asia, Europe and the Middle East. Amazon said its newly launched Climate Pledge Fund would help the tech giant and other companies meet The Climate Pledge, a commitment to be net zero carbon by Amazon launched The Climate Pledge alongside podcast producer Global Optimism last year, a commitment to meet the Paris Climate Agreement 10 years early.

Telecommunications company Verizon, hygiene and health product manufacturer Reckitt Benckiser RB , and IT consulting company Infosys have recently joined the pledge. It has announced 91 renewable energy products around the world, set to deliver more than 7.

Rathi will replace Christopher Woolard who has acted in the role since Andrew Bailey stepped down in March. ESG is an area of great strategic importance for us and our clients, and we will continue to invest resources to it. Jessica Ground 01 will start in the new role in September and will be based in London. She will also represent Capital Group as an active participant in organisations promoting ESG issues across the business landscape.

Ground said she was thrilled to join a com-. She has more than 20 years of experience, all with Schroders. She initially joined the firm as a research analyst covering financials and utilities in and has worked as a fund manager on the UK equity team. She also currently sits on the Takeovers Panel in London as a part-time member. She was appointed in May of this year. German prosecutors said he is also being investigated on suspicion of making the company look more attractive to investors.

Wirecard said it is examining a broad range of possible further measures to ensure continuation of its business operations, including cost reductions as well as restructuring, disposal or termination of business units and products segments. Wirecard is the first company on the German DAX 30 to ever file for bankruptcy.

Note: The performance figures for diversified funds are net of fees, performance figures for sector specific funds are adjusted for fees. JThe aim of the Information Security Pru-. Identity and data governance is now key. Maintaining visibility over who has access to what applications and whether that access is appropriate and where sensitive data or files are being stored, is a constant and complex challenge for businesses. Adding to the complexity, under CPS , APRA-regulated entities must also ensure the integrity of information assets managed and accessed by third party business partners and contractors.

As such, one of the immediate concerns that arose was that if an organisation did not have a complete view of all identities employees and third parties and what applications were being accessed, it made it difficult to apply CPS automatically.

Consequently, CPS has seen a rise in. And boards must now be more knowledgeable of risks. CPS stipulated that boards are ultimately responsible for ensuring their organisations maintain information security. This has unarguably had a positive impact. Enhanced security--particularly in times of disruption--has moved higher up the agenda for business leaders. Organisations are now taking a top-down approach to information security, ensuring stakeholders are well-versed in the risks.

In addition, boards are now ensuring their senior management teams are fully supported financially and resource-wise to manage information security risks effectively. Smart organisations are taking this a step further, viewing regulatory and compliance changes such as CPS as an opportunity to improve their overall security posture and support business operations. These organisations are baking information security into digital transformation projects from day one, realising its critical role in success.

One of the areas organisations struggled to come to terms with was third parties falling under CPS While a grey area to start, the application of the standard to information assets managed by a third party has resulted in a domino effect downstream, with many regulated entities requesting their supply chain to also comply with CPS CPS also exposed the poor cyber hygiene of some institutions, including the use of legacy systems, poor patching regimes and a lack of visibility, which some organisations have been slow to remedy.

Notes: Investment options are sorted by their three year net performance results. All performance figures are net of maximum fees. Simply visit selectingsuper. It would have seen 50 people increased from 20 will be allowed inside cafes, restaurants, cinemas, theatres, auditoriums, stadiums, libraries, among others.

Instead, it turned into a reversed Cinderella story. Instead, the planned easing of restrictions for restaurants and pubs, and limits on household and public gathering were suspended some even tightened for another month — until midnight July The Andrews government was forced into this after 19 new cases were reported on the eve of the planned reopening.

The 19 new infections followed reported infections of 25, 13, 18 and 21 over the previous four days. For sure and for certain, the Victorian government — and other Australian state governments; as well as other world governments — have the welfare of their respective economies and constituents in mind.

Much more than central banks trying to strike a balance between unemployment and inflation — their dual mandate, the coronavirus present policymakers a chicken and egg dilemma. Health before wealth or vice-versa. Wealth before health. The virus is still prevalent in the community, it still wants to spread. It needs to be treated with absolute respect. There may not have been any reported virus infections in the Australian Capital Territory, the Northern Territory, South Australia and Queensland, but the one reported case in Western Australia, five cases in New South Wales and more specifically, the 19 in Victoria could easily multiply if allowed to cross borders.

Australia PMI The relaxation of social restrictions and business lockdowns sent Australian private sector activity back into expansion territory. This is due mainly to the sharp jump in the flash services PMI to While the flash manufacturing PMI improved to a preliminary reading of The report noted that optimism over the month outlook rose to a nine month high over the survey period.

However, this was before recent reports of the increased rate of coronavirus infection in Victoria that prompted the state government to suspend further easing of restrictions. US retail sales US retail spending surged by The increase in retail sales had also been supported by ultra-accommodative monetary and fiscal policies — cheaper borrowing costs and money printing from the Fed and trillions of dollars provided under the CARES Act — one time cheques and increased unemployment insurance.

Year-on-year, retail sales growth has improved to a contraction of 6. Looking at the cumulative change between March and May, had the increase in the number of people who were not in the labour force , been a further increase in unemployment, then the number of unemployed people would have in-. The gradual relaxation of social interaction and loosening of lockdown restrictions should improve demand for labour going forward.

However, this is counter-balanced by the real and present danger posed by a second wave of infections. On that day, US benchmark equity indices plunged: Dow 6. Besides, Fed chair Jerome Powell and his. Test your knowledge with the following questions. The latest US retail sales report — up Cheaper borrowing costs and money printing from the Fed and trillions of dollars provided under the CARES Act — one time cheques and increased unemployment insurance — and of course, the re-opening of commerce.

Better, the world is getting closer to a coronavirus cure. What happened after the Brexit vote on June ? Which Chinese city has been reported to be experiencing a second wave of covid infections? At the same time, the FTSE index cratered from a high of It had been a rough ride heading into Brexit. Then the coronavirus our way came, turn-. The Bank of England went to work. After keeping the Bank Rate steady at 0. Still, latest data show that the UK economy is heading for an even deeper dive.

UK GDP growth plunged by Those that were fortunate enough to retain their jobs saw their pay packets eroded. The annual growth in average weekly earnings excluding bonuses slowed from an year high of 4. China quarantined and locked down activity of about 60 million inhabitants of Wuhan in Hubei province in early February.

Activity indicators continued to improve: industrial production growth accelerated to 4. Further, annual growth in retail sales has also improved to minus 2. The second wave has prompted the government to reimposed tough restriction measures.

But just as China paved the way for easing lockdowns and social interaction restrictions, its relapse into the second wave also provides a cautionary lesson to countries now engaged in relaxing the same. The cumulative number of confirmed cases in mainland China was 83, as at June Sydney, Melbourne, Hobart and Darwin all saw increases. New lending to household data released by the Australian Bureau of Statistics also shows lending to households for investment in dwellings decreased However, these figures do not reflect the impact COVID has had and is further expected to have on the market.

PIPA chair Peter Koulizos said the results confirm investors remain positive on the property market despite the economic fallout of the coronavirus. Download Subscribers can read the Financial Standard newspaper on the go, accessing the very latest news and insights in wealth management. All editorial is copyright and may not be reproduced without consent. Opinions expressed in the Financial Standard are not necessarily those of Financial Standard or Rainmaker Information.

Financial Standard is a Rainmaker Information company. ABN 57 Financial Standard is proud to work with Pegasus Print Group, an environmentally responsible printing company. You do not have to undertake the CPD program each fortnight. You can do it as often or as infrequently as you require. A record of your CPD work history is maintained for instant online access.

You need to have a Principal subscription of Financial Standard to access this service. For more information please go to our website www. Elizabeth McArthur writes. She found herself working in the managed funds area and the corporate team at the firm, sparking her passion for investing.

After several years, she felt a pull to move into a more commercial role. Joining MLC, Crittle found herself yearning to understand what really makes a company successful. In her 20s, as she started to think about moving away from law, she found her sporting life mirroring her career. Crittle is a keen sportswoman and has played netball all her life. She cites their influence and encouragement as a big part of why she made the leap from law to operations and why she came to JANA.

Joining in , Crittle was appointed special counsel and head of operations. She held the role for seven years before jumping back to MLC for a brief stint overseeing investment governance. Then, in , JANA carried out a management buyout separating from the National Australia Bank Group and Crittle returned to take on the role of chief operating officer. We had a deadline when the transaction had to be completed. So we knew we had to be able to pay people, do our accounts, have a risk and compliance framework established and so on.

My most abiding memories of that time are the team work, the ways people stepped up to get everything done. When it became apparent that Australia would not dodge COVID without changing our way of living and working, Crittle was faced with a series of challenges. Fortunately, JANA had invested heavily in its technology infrastructure so the technical aspect of moving to a work from home protocol was less challenging for the business than it was for some others.

The working from home environment raises different stresses depending on the situation people are in. She says COVID could have a silver lining for workplace cultures, the experience of adapting to working from home and to new ways of doing things might make organisations respect the people who work for them on a new level.

People are bringing their whole selves to work. For example, Crittle says some aspects of investment research could be streamlined by technology. JANA has a huge global travel operation, with someone overseas every week normally. But, with international travel paused, investment research had to be done differently — face to face meetings with investment managers and financial institutions overseas could no longer continue.

The JANA team adapted to this by blocking out two weeks on their calendar as they would if they were on a routine research trip — but, instead they were carrying out meetings through video calls. The office though, Crittle says, is. Because mostalternative investments aren t listed on an exchange, determining their value for a fund s unit price can be difficult and may involveaconsiderabletimelag. Alternatives invested outside of Australia may expose your portfolio to movementsinexchangerates.

Privateassets Investinginprivate assets givesyour portfolioexposuretoassetsthataren t traded on listed exchanges. An example of this is an investment in aprivately ownedbusiness. Things to consider: Private assets are alternative assets that are usually included in a portfolio fortheir growth characteristics. Returns are drivenbymany factors including the economic environment indifferent countries.

Private assetscanbevolatile and can take years to earn apositive return. Private assetsmay be included ina portfoliotoprovidehigherreturns than sharemarkets in thelongrun, andtoincreasediversification. Private assetsare illiquid which makes them difficult to buy or sell.

To accessprivate assetsyou generally need to invest in amanaged fund that investsinprivate assets. Because private assetsaren t listed on an exchange,determining theirvalue for a fund s unit price can be difficult and may involve aconsiderable time lag. Investment approaches Investment managers have different approaches toselecting investments.

There are two broad approaches: passive andactivemanagement. Passivemanagement Passive, or index managers, choose investments to form a portfolio which will deliver areturn thatclosely tracks a marketbenchmark or index. Active management Active managers selectinvestmentsthey believe, based on research, will perform better thana marketbenchmark.

They buyorsellinvestments whentheir market outlookaltersortheir investment insightschange. Active managers have different investment styles and these affect their returns. Some common investment stylesare: Bottom-up focuses on forecasting returns for individual companies, rather than the market as a whole.

Top-down focusesonforecasting broadmacroeconomic trendsand their effect on the market,rather than returns for individual companies. Growth focuses on companies they expect will have strong earnings growth. Value focuses on companies they believe are undervalued their price doesn t reflectearningpotential. Core aims toproduce competitive returnsinall periods. EthicalInvesting Investment managersmay take into account labour standards, environmental, socialorethical considerations when makingdecisions to buyorsellinvestments.

The Trustee does not actively contemplatethese factorswhenselecting investment options for inclusion on theinvestmentmenu. Information about the extent to whichinvestmentmanagers consider ethicalinvesting canbe foundintheirpds availableon mlc. Some of the main investment techniques are explained below. Derivatives Derivativesmay be used in anyofthe investment options. Derivativesare contracts that have a value derivedfromanother source such as an asset, market indexorinterest rate. Thereare many types of derivatives includingswaps,options andfutures.

They areacommontoolused to manage risk or improve returns. Some derivatives allow investment managerstoearn largereturns from smallmovements in theunderlying asset sprice. Investment managers have derivatives policies whichoutline how derivatives aremanaged. Howinvestmentmanagersinvestin derivativesisincludedintheirpds on mlc.

Amanager of internationalassetsmay choose to protectaustralianinvestors againstmovements in foreigncurrency. This is knownas hedging. Thisexposure to foreigncurrency can increase diversificationinaportfolio. Gearing Gearing canbeachievedbyusing loans borrowingtoinvest ,orthrough investingincertain derivatives, such as futures.

Gearing magnifies exposure to potential gains andlossesofaninvestment. As a result,you canexpectlargerfluctuations both up and down in the value of yourinvestment compared to thesame investment which is not geared. Investment managers can take different approaches to gearing. It s importanttounderstand both the potential risksof gearing,aswell asits potential benefits.

When asset values are rising by more than thecosts of gearing, the returns will generally be higher than if theinvestmentwasn tgeared. Ifthe fall isdramatic therecan be even more implications forgearedinvestments. For example,the lender requires the gearing level to be maintained below a predeterminedlimit. In turn this could lead to more assets having to be sold andmore lossesrealised. Withdrawals and applications may be suspended in such circumstances,preventingyou from accessing yourinvestmentsat a time when values are continuing to fall.

Although this is an extremeexample, significantmarket fallshave occurred in thepast. Recoveringfromsuchfalls cantakemany years andthe geared investment s unitprice maynot return to itsprevioushigh. Other circumstances such as the lender requiring the loan to be repaid for other reasons mayalsoprevent ageared investment from beingmanaged as planned, leadingtolosses. Youneed to be prepared forall types of environments and understand their impacton your geared investment. Short-selling Short-selling is usedby an investment manager when it hasaviewthatan asset sprice will fall.

If all goes to plan,aprofit ismade. Want to know more? We ve developed a lot of information on howwecan help you grow andprotect your wealth. Youcanalso get copies of the disclosure documentsfor managed investments, term depositsandthe SMA. Theseare free of charge. Just speak with your financial adviser or visit mlc.

Openingasuper account To open your superaccount,apply through your financialadviser. Account minimumsfor super The table below shows the minimum amountsyou llneed toopenyouraccount or make additional contributions. When we can t process your application If we don t have all theinformation we need to open your superor pensionaccount,we ll contactyour financialadviser.

Anycontributions we can tprocess will be held in an interest bearing trust account for up to 30 days. Ifafter 30 days we can tget theinformation we need, we ll return your money. Startinga pension account Once you have access toyoursuper moneyyou canstartapension.

Your financial adviser mayneed to confirmyouridentitybeforesubmitting your application. You can t add money toyour pension account once it s started. Soif you intend to startyourpension with money fromdifferent sources, you should first consolidate all amounts inasuper account. Choosing your pension payments Youmay choose theamountyou want to receive asa pension payment provided it meets the Government minimums.

The minimum amount is pro-rated in the financial year you start your pension. The pro-rata minimum amount is a calculation based on the total number of days from when thepension starts,upto andincluding the end ofthatfinancial year. However, if you set up your pension injune,you don thavetostartyour paymentsuntil the next financialyear. If you choose an amountother than the minimum, youcan electtohavethat amount increasedannually atarate younominate.

These rules will generally apply until youeither: permanentlyretire stop workingonorafter age60, or reachage Themaximumpensionyou can draw inthe first year you start your pensionisnot pro-rated. SocialSecurityconsiderations Anydecisions youmakeregarding the level of pension payments and lump sum withdrawals you receive mayimpact your Social Security entitlements if applicable.

We recommend you speak with your financialadviser or go to centrelink. Your Cash Account Your Cash Account is used for all transactions on your account, including pension payments. Minimumcashrequirement Youneedtoinvestaminimumamount in your Cash Account as shown in the tablebelow.

Interestwill bechargedifyour CashAccount isnegative. The interest rate charged will be equivalent to the rate applied where your CashAccount balanceis positive. Please referto mlc. ToppingupyourCashAccount You and your financial adviser are responsible for maintaining the balance in your Cash Account above theminimum cash requirement. There are a number ofwaystodothis which are outlined inthe How to Guide available on mlc. All income distributions are initially paid intoyourcashaccount.

If you re reinvesting income, it s a good idea to keep up to date with anychanges to your choseninvestmentoption. Speak with your financial adviser or refer to the relevant PDSavailable on mlc. You generally can t participate in dividend reinvestment schemes. Howyouraccountisvalued The value of your account isbasedon: prices provided by investment managers multiplied by the number of units held prices provided by the Australian SecuritiesExchangemultipliedby thenumberofsharesheld anytermdeposits,and your Cash Account.

Prices are generally provided daily, however there maybetimes when we don treceive updatedprices. Inthese circumstances we may have to use different valuation methods. You should be aware that your account balance doesn t include the tax impact of any unrealised gains or losses that may arise if you request afull withdrawal. We llusually instructinvestment managers within five business days of receiving your instructions. It generally takes investment managersanumberofdaysto complete an instruction.

Listed investments Usually,ifwereceive yourinstructions within areasonabletimebeforethe marketsclose, we llactionthemthe same day. Your instruction may not be executed straight away,particularly if you ask us to buyorsellaparcelofsharesata specifiedprice. Trades can be made through our preferred broker, or ourpanel of approved brokers.

Term deposits These investmentsareintended to bekept until maturity. Ifyou wish to access part or all of your investment early, before it s due to mature, you must provide at least31 days notice in additionto our processingtime wecurrently processinstructionsweekly. You will receive your original investment amount plus interest for the period you ve held the investment, less any costs incurred by the Term Deposit provider as a result of redeeming your investmentbefore the maturity date.

Separately Managed Account SMA We llusually acton your investmentinstructions within five business daysof receivingthem. Your financial adviser can also transfer listed investments between portfolios in thesma. Minimuminvestmentamounts All investment instructions are subject to minimum amounts as shownin the table below.

We llnotifyyou ifthesesituationsoccur. We mayalsoapply limits to individual investmentsand changethese limits from time to time. You and your financial adviser are responsible for observing theselimits for changes in asset value and withdrawals. If you want to invest in interest rate securities, the limit which applies to the underlying parent securitywillalso apply totheinterest ratesecurities.

Resolvingcomplaints We canusually resolve complaintsover thephone. Transfers to an Eligible Rollover Fund We may transferyouraccount balance to theeligiblerollover Fund if we lose contactwith you and can t locate you. The Eligible Rollover Fund we currently use is the Australian Eligible Rollover Fund and itcan be contactedon We lladviseyou inwritingtoyourlast knownaddressifwe intend totransfer your account balanceand will proceed if you don t respond withinstructions regarding an alternative super fund.

Please note,atransfer to an Eligible Rollover Fund may have a detrimental impact toyour superbenefit as the Eligible Rollover Fund may have a different fee structure and investment strategy toyourchosen investments. Want to change your mind? You can mail,fax or us to close your account within 14 days of openingit. We may be restricted by law from returning your moneydirectlytoyou, in which case we ll need totransfer theamounttoanother superfund nominated by you.

To find outmoregoto moneysmart. This cooling-off period doesn t applyif you transactonyouraccount within 14 days. Privacy We collect your personal information from you directlywherever we can,but insome caseswemay collectitfrom thirdparties such asyourfinancial adviser. Ifpersonal information isnot provided, we maynot be able to provideyou the product or a service, or administer it appropriately.

Government regulations require some information to be collected, including: company; anti-money laundering;superannuation and tax laws. We maydisclose your personal informationtoother NABGroup companies, andtoexternalparties forpurposesthatinclude: account management, productdevelopment and research. We and other NAB Groupcompanies mayuse your personal information to contactyou aboutourproductsand formarketingactivities. More information abouthow we collect, use, share and handle yourpersonal informationisinour PrivacyPolicy mlc.

Contactusfor a paper copy or if you have any questions or comments. All documentsneed tobe adated originalcertified copy of original document s and sent within12months not faxed orscanned copies. Keeping youinformed Each year,we ll provide you with the following information so you can stay informed aboutyourinvestmentsand anymaterialchanges that mayarise: a half yearly and annualstatement of your account with asummaryof all your transactions and investment details anannual report whichprovidesan overviewof marketand industry activitywhich may affectyour investmentsaswell asan abridged versionofthe financial reportsfor the Fund,and informationinrelationtoany material changes to MLC Navigator Retirement Plan Series 2or the investment options.

We may provide this information to youbymail, orbymakingthe information available on mlc. We will letyou know when information about your account has been made availableonline. If youprefertoreceive updates about your account by mail, please letusknow. For detailsaboutother information we will communicatetoyou or make availableeachyear, go to thehow to Guide available at mlc.

Did you know? Small differencesinbothinvestment performance and fees and costs can have asubstantial impact on your long-termreturns. Youshouldconsiderwhether features such as superior investment performance or the provision of bettermemberservicesjustifyhigher fees andcosts.

To find outmore If you would like to findout more, or see theimpactofthe fees based on your own circumstances, theaustralian Securities andinvestments Commission ASIC website moneysmart. Thisdocumentshows fees and other coststhatyou maybecharged.

Otherfees, such asactivity fees and advice fees for personal advice, mayalso be charged, butthese will depend on the nature of the activity oradvice chosen by you. Taxes are set out in another part of this document. You should read all the information about fees and other costsbecause it is importanttounderstand their impacton your investment. Type of feeorcost Amount Howand when paid Indicative investment fee Administration fee Buy-sell spread Only applies to managed investments and thesma options, anddiffers according to theinvestments youhold refertothe investment option s PDS available on mlc.

Investment managers may vary their fees. Thefee is basedonyourcombinedsuper and pensionaccountbalancesinmlc Navigator Retirement Plan Series 2. TheAdministration feehas twoparts. In very limitedcircumstances, your financial adviser may be able to negotiate a lower administration fee withus on your behalf.

Super administration fee 0. Only appliestomanaged investmentsand differs according to the investments you hold refertotheinvestmentoption spds available on mlc. For managed investments, reflected in the unit price. The tiered percentagefeeand the flat percentagefee arecalculated using youraverage account balance forthe previous month. The Administration fee thesum of thetiered percentagefeeand the flat percentage fee is deducted monthly from your Cash Account.

Ifyou have multiplesuperand pension accountsthe Administration fee is chargedto eachaccountonapro-rata basis. Familyaccount linkingmay apply toyour tiered percentage fee seepage Calculatedon your average account balance and deducted from your Cash Accountmonthly. Ifyou have multiplesuper and pension accountsthe Superadministration fee is charged to each account on a pro-rata basis.

Deducted when you transact. Exit fee Nil Thereisnoexitfee. Advice fees Nil Thereare no advice fees charged by us. However, ifyouwish, you can have amounts deductedfrom your account topay fees to yourfinancialadviser seepage Other fees andcosts For details of other fees and costs please refer to the Additional explanation of fees and other costs section on pages23to Indirect cost ratio Only applies to managed investments and differs according to the investmentsyou hold refertotheinvestmentoption spds available on mlc.

Deducted before the unit price is declared. Example of annual fees and costs for the MLC Wholesale Horizon 4 Balanced Portfolio This table gives an example of how the fees and costs for this super product and an investment in the MLC Wholesale Horizon 4 Balanced Portfolio can affect your super investment over a one-year period. You should use this table to compare thissuper product withothersuper products.

Plus Administration fee 0. Additional fees mayapply. How super works 2 3. How super works 3. Risks of. About Advance Asset Management Limited How the Fund. Contents Page 1. About netwealth 2 2. How the Fund works 2 3. Benefits of investing in the Fund 4 4. Risks of managed investment schemes 4 5. How we invest your money 5 6. Fees and costs 6 7. How managed. About BT Super for Life 2 2. Benefits of investing with BT Super for Life 3 4.

Risks of super 5 5. Benefits of investing with 3 BT Super for Life 4. Risks of super 5. About NSF Super 2. Benefits of investing with NSF Super 4. How we invest your. About ANZ Trustees 2 2. About Mercer Investments Australia Limited 2 2. How the Mercer Global. Contactus ausbil. For many Australians,.

About Invesco Australia 2 2. How the Invesco Wholesale Australian Share. Make sure your SMSF is. Super decisions You know first-hand that one of the biggest advantages of managing your own super is that you make the decisions. It s one of the main reasons you have an SMSF or. Understanding investment concepts Version 5. Managed Investment Funds Product Disclosure Statement A range of funds that allows you to create an investment portfolio that suits your individual needs This is a combined Financial Services Guide and.

Is your SMSF working to its full potential? Right Strategy. Right Time. While managing your own super provides investment flexibility and control, the biggest challenge is ensuring the decisions you make. How the Mercer Global Credit Fund. Interest incurred on your loan may be tax-deductible. An optional diversified feature. How we invest your money Employer-sponsored and personal superannuation members. This document was prepared on 3 August The information in this document forms part of the Statewide product disclosure.

Risks of superannuation 3 2. How we invest your money 5 The information in this document provides additional information to the. You should read it to help you make an informed investment choice. Contents 1.

PROPERTY INVESTMENT HOME MALAYSIA

Some derivatives allow investment managerstoearn largereturns from smallmovements in theunderlying asset sprice. Investment managers have derivatives policies whichoutline how derivatives aremanaged. Howinvestmentmanagersinvestin derivativesisincludedintheirpds on mlc. Amanager of internationalassetsmay choose to protectaustralianinvestors againstmovements in foreigncurrency. This is knownas hedging. Thisexposure to foreigncurrency can increase diversificationinaportfolio.

Gearing Gearing canbeachievedbyusing loans borrowingtoinvest ,orthrough investingincertain derivatives, such as futures. Gearing magnifies exposure to potential gains andlossesofaninvestment. As a result,you canexpectlargerfluctuations both up and down in the value of yourinvestment compared to thesame investment which is not geared. Investment managers can take different approaches to gearing.

It s importanttounderstand both the potential risksof gearing,aswell asits potential benefits. When asset values are rising by more than thecosts of gearing, the returns will generally be higher than if theinvestmentwasn tgeared. Ifthe fall isdramatic therecan be even more implications forgearedinvestments. For example,the lender requires the gearing level to be maintained below a predeterminedlimit. In turn this could lead to more assets having to be sold andmore lossesrealised.

Withdrawals and applications may be suspended in such circumstances,preventingyou from accessing yourinvestmentsat a time when values are continuing to fall. Although this is an extremeexample, significantmarket fallshave occurred in thepast. Recoveringfromsuchfalls cantakemany years andthe geared investment s unitprice maynot return to itsprevioushigh. Other circumstances such as the lender requiring the loan to be repaid for other reasons mayalsoprevent ageared investment from beingmanaged as planned, leadingtolosses.

Youneed to be prepared forall types of environments and understand their impacton your geared investment. Short-selling Short-selling is usedby an investment manager when it hasaviewthatan asset sprice will fall. If all goes to plan,aprofit ismade. Want to know more? We ve developed a lot of information on howwecan help you grow andprotect your wealth. Youcanalso get copies of the disclosure documentsfor managed investments, term depositsandthe SMA.

Theseare free of charge. Just speak with your financial adviser or visit mlc. Openingasuper account To open your superaccount,apply through your financialadviser. Account minimumsfor super The table below shows the minimum amountsyou llneed toopenyouraccount or make additional contributions.

When we can t process your application If we don t have all theinformation we need to open your superor pensionaccount,we ll contactyour financialadviser. Anycontributions we can tprocess will be held in an interest bearing trust account for up to 30 days. Ifafter 30 days we can tget theinformation we need, we ll return your money. Startinga pension account Once you have access toyoursuper moneyyou canstartapension. Your financial adviser mayneed to confirmyouridentitybeforesubmitting your application.

You can t add money toyour pension account once it s started. Soif you intend to startyourpension with money fromdifferent sources, you should first consolidate all amounts inasuper account. Choosing your pension payments Youmay choose theamountyou want to receive asa pension payment provided it meets the Government minimums.

The minimum amount is pro-rated in the financial year you start your pension. The pro-rata minimum amount is a calculation based on the total number of days from when thepension starts,upto andincluding the end ofthatfinancial year. However, if you set up your pension injune,you don thavetostartyour paymentsuntil the next financialyear. If you choose an amountother than the minimum, youcan electtohavethat amount increasedannually atarate younominate.

These rules will generally apply until youeither: permanentlyretire stop workingonorafter age60, or reachage Themaximumpensionyou can draw inthe first year you start your pensionisnot pro-rated. SocialSecurityconsiderations Anydecisions youmakeregarding the level of pension payments and lump sum withdrawals you receive mayimpact your Social Security entitlements if applicable.

We recommend you speak with your financialadviser or go to centrelink. Your Cash Account Your Cash Account is used for all transactions on your account, including pension payments. Minimumcashrequirement Youneedtoinvestaminimumamount in your Cash Account as shown in the tablebelow. Interestwill bechargedifyour CashAccount isnegative. The interest rate charged will be equivalent to the rate applied where your CashAccount balanceis positive.

Please referto mlc. ToppingupyourCashAccount You and your financial adviser are responsible for maintaining the balance in your Cash Account above theminimum cash requirement. There are a number ofwaystodothis which are outlined inthe How to Guide available on mlc. All income distributions are initially paid intoyourcashaccount. If you re reinvesting income, it s a good idea to keep up to date with anychanges to your choseninvestmentoption.

Speak with your financial adviser or refer to the relevant PDSavailable on mlc. You generally can t participate in dividend reinvestment schemes. Howyouraccountisvalued The value of your account isbasedon: prices provided by investment managers multiplied by the number of units held prices provided by the Australian SecuritiesExchangemultipliedby thenumberofsharesheld anytermdeposits,and your Cash Account.

Prices are generally provided daily, however there maybetimes when we don treceive updatedprices. Inthese circumstances we may have to use different valuation methods. You should be aware that your account balance doesn t include the tax impact of any unrealised gains or losses that may arise if you request afull withdrawal.

We llusually instructinvestment managers within five business days of receiving your instructions. It generally takes investment managersanumberofdaysto complete an instruction. Listed investments Usually,ifwereceive yourinstructions within areasonabletimebeforethe marketsclose, we llactionthemthe same day. Your instruction may not be executed straight away,particularly if you ask us to buyorsellaparcelofsharesata specifiedprice.

Trades can be made through our preferred broker, or ourpanel of approved brokers. Term deposits These investmentsareintended to bekept until maturity. Ifyou wish to access part or all of your investment early, before it s due to mature, you must provide at least31 days notice in additionto our processingtime wecurrently processinstructionsweekly.

You will receive your original investment amount plus interest for the period you ve held the investment, less any costs incurred by the Term Deposit provider as a result of redeeming your investmentbefore the maturity date. Separately Managed Account SMA We llusually acton your investmentinstructions within five business daysof receivingthem.

Your financial adviser can also transfer listed investments between portfolios in thesma. Minimuminvestmentamounts All investment instructions are subject to minimum amounts as shownin the table below.

We llnotifyyou ifthesesituationsoccur. We mayalsoapply limits to individual investmentsand changethese limits from time to time. You and your financial adviser are responsible for observing theselimits for changes in asset value and withdrawals. If you want to invest in interest rate securities, the limit which applies to the underlying parent securitywillalso apply totheinterest ratesecurities.

Resolvingcomplaints We canusually resolve complaintsover thephone. Transfers to an Eligible Rollover Fund We may transferyouraccount balance to theeligiblerollover Fund if we lose contactwith you and can t locate you. The Eligible Rollover Fund we currently use is the Australian Eligible Rollover Fund and itcan be contactedon We lladviseyou inwritingtoyourlast knownaddressifwe intend totransfer your account balanceand will proceed if you don t respond withinstructions regarding an alternative super fund.

Please note,atransfer to an Eligible Rollover Fund may have a detrimental impact toyour superbenefit as the Eligible Rollover Fund may have a different fee structure and investment strategy toyourchosen investments. Want to change your mind? You can mail,fax or us to close your account within 14 days of openingit.

We may be restricted by law from returning your moneydirectlytoyou, in which case we ll need totransfer theamounttoanother superfund nominated by you. To find outmoregoto moneysmart. This cooling-off period doesn t applyif you transactonyouraccount within 14 days. Privacy We collect your personal information from you directlywherever we can,but insome caseswemay collectitfrom thirdparties such asyourfinancial adviser. Ifpersonal information isnot provided, we maynot be able to provideyou the product or a service, or administer it appropriately.

Government regulations require some information to be collected, including: company; anti-money laundering;superannuation and tax laws. We maydisclose your personal informationtoother NABGroup companies, andtoexternalparties forpurposesthatinclude: account management, productdevelopment and research.

We and other NAB Groupcompanies mayuse your personal information to contactyou aboutourproductsand formarketingactivities. More information abouthow we collect, use, share and handle yourpersonal informationisinour PrivacyPolicy mlc. Contactusfor a paper copy or if you have any questions or comments. All documentsneed tobe adated originalcertified copy of original document s and sent within12months not faxed orscanned copies. Keeping youinformed Each year,we ll provide you with the following information so you can stay informed aboutyourinvestmentsand anymaterialchanges that mayarise: a half yearly and annualstatement of your account with asummaryof all your transactions and investment details anannual report whichprovidesan overviewof marketand industry activitywhich may affectyour investmentsaswell asan abridged versionofthe financial reportsfor the Fund,and informationinrelationtoany material changes to MLC Navigator Retirement Plan Series 2or the investment options.

We may provide this information to youbymail, orbymakingthe information available on mlc. We will letyou know when information about your account has been made availableonline. If youprefertoreceive updates about your account by mail, please letusknow.

For detailsaboutother information we will communicatetoyou or make availableeachyear, go to thehow to Guide available at mlc. Did you know? Small differencesinbothinvestment performance and fees and costs can have asubstantial impact on your long-termreturns. Youshouldconsiderwhether features such as superior investment performance or the provision of bettermemberservicesjustifyhigher fees andcosts.

To find outmore If you would like to findout more, or see theimpactofthe fees based on your own circumstances, theaustralian Securities andinvestments Commission ASIC website moneysmart. Thisdocumentshows fees and other coststhatyou maybecharged. Otherfees, such asactivity fees and advice fees for personal advice, mayalso be charged, butthese will depend on the nature of the activity oradvice chosen by you.

Taxes are set out in another part of this document. You should read all the information about fees and other costsbecause it is importanttounderstand their impacton your investment. Type of feeorcost Amount Howand when paid Indicative investment fee Administration fee Buy-sell spread Only applies to managed investments and thesma options, anddiffers according to theinvestments youhold refertothe investment option s PDS available on mlc.

Investment managers may vary their fees. Thefee is basedonyourcombinedsuper and pensionaccountbalancesinmlc Navigator Retirement Plan Series 2. TheAdministration feehas twoparts. In very limitedcircumstances, your financial adviser may be able to negotiate a lower administration fee withus on your behalf. Super administration fee 0.

Only appliestomanaged investmentsand differs according to the investments you hold refertotheinvestmentoption spds available on mlc. For managed investments, reflected in the unit price. The tiered percentagefeeand the flat percentagefee arecalculated using youraverage account balance forthe previous month.

The Administration fee thesum of thetiered percentagefeeand the flat percentage fee is deducted monthly from your Cash Account. Ifyou have multiplesuperand pension accountsthe Administration fee is chargedto eachaccountonapro-rata basis. Familyaccount linkingmay apply toyour tiered percentage fee seepage Calculatedon your average account balance and deducted from your Cash Accountmonthly.

Ifyou have multiplesuper and pension accountsthe Superadministration fee is charged to each account on a pro-rata basis. Deducted when you transact. Exit fee Nil Thereisnoexitfee. Advice fees Nil Thereare no advice fees charged by us. However, ifyouwish, you can have amounts deductedfrom your account topay fees to yourfinancialadviser seepage Other fees andcosts For details of other fees and costs please refer to the Additional explanation of fees and other costs section on pages23to Indirect cost ratio Only applies to managed investments and differs according to the investmentsyou hold refertotheinvestmentoption spds available on mlc.

Deducted before the unit price is declared. Example of annual fees and costs for the MLC Wholesale Horizon 4 Balanced Portfolio This table gives an example of how the fees and costs for this super product and an investment in the MLC Wholesale Horizon 4 Balanced Portfolio can affect your super investment over a one-year period. You should use this table to compare thissuper product withothersuper products.

Plus Administration fee 0. Additional fees mayapply. How super works 2 3. How super works 3. Risks of. About Advance Asset Management Limited How the Fund. Contents Page 1. About netwealth 2 2. How the Fund works 2 3. Benefits of investing in the Fund 4 4. Risks of managed investment schemes 4 5. How we invest your money 5 6. Fees and costs 6 7. How managed. About BT Super for Life 2 2.

Benefits of investing with BT Super for Life 3 4. Risks of super 5 5. Benefits of investing with 3 BT Super for Life 4. Risks of super 5. About NSF Super 2. Benefits of investing with NSF Super 4. How we invest your. About ANZ Trustees 2 2. About Mercer Investments Australia Limited 2 2. How the Mercer Global. Contactus ausbil. For many Australians,. About Invesco Australia 2 2.

How the Invesco Wholesale Australian Share. Make sure your SMSF is. Super decisions You know first-hand that one of the biggest advantages of managing your own super is that you make the decisions. It s one of the main reasons you have an SMSF or. Understanding investment concepts Version 5. Managed Investment Funds Product Disclosure Statement A range of funds that allows you to create an investment portfolio that suits your individual needs This is a combined Financial Services Guide and.

Is your SMSF working to its full potential? Right Strategy. Right Time. While managing your own super provides investment flexibility and control, the biggest challenge is ensuring the decisions you make. How the Mercer Global Credit Fund. Interest incurred on your loan may be tax-deductible. An optional diversified feature. How we invest your money Employer-sponsored and personal superannuation members.

This document was prepared on 3 August The information in this document forms part of the Statewide product disclosure. Risks of superannuation 3 2. How we invest your money 5 The information in this document provides additional information to the. You should read it to help you make an informed investment choice. Contents 1. About Antares Capital Partners Ltd 2 2. How the Northward Equity Income Fund works 2 3. About Macquarie Investment Management Australia.

How super works 3 3. Navigator Australia Limited. Log in Registration. Search for. Size: px. Start display at page:. Eric Kennedy 4 years ago Views:. View more. Similar documents. Financial Services Guide. Preparation date 13 March MLC Wrap. Service Guide. BT Lifetime. Personal Super. Risks of More information. How the Fund More information. How managed More information. BT Super for Life. More information. Risks of super 5 More information.

How we invest your More information. Your Super Guide. Your Guide. Super Plan. Product Disclosure Statement. Super Accelerator. It also questioned how life insurance companies are training and monitoring staff, as a large volume of breaches of the code were caused by human error. The code found an increase in claims related complaints and claims handling timeframes. There were 19, complaints reported to life companies that subscribe to the code.

Sustainable companies are performing better and responsible investment funds are largely continuing to outperform the general market, according to a new report from the Responsible Investment Association Australasia RIAA. The report, COVID and the performance of responsible investments, said in a time of massive market disruption, responsible investment funds that integrate ESG factors have outperformed the rest of the market.

It said responsible investing, including the consideration of ESG factors, helps investors identify a broad array of themes that are influencing markets and returns, and provides an important means for investors to navigate turbulent times; to avoid the most significant risks and to capture more opportunities. AXA Investment Managers undertook an analysis of how leading ESG companies had performed in the first quarter of compared to laggards, applying their research across equities and bond markets.

Pendal adds SRI lense to multi-asset fund Pendal has increased the consideration of sustainability factors in its multi-asset target return fund, in what it claims is an Australian first. Led by Pendal multi-asset head Michael Blayney01 , the move saw the investment manager work with its recently acquired in-house ESG researcher Regnan to examine the impact of a stronger focus on sustainability and ESG on riskadjusted returns.

These include the production of alcohol, the manufacture or provision of gaming facilities, non-controversial weapons or armaments, and pornography including the distribution of pornography , the direct mining of uranium for weapons manufacturing, the extraction of thermal coal and the production of oil sands. New fund launches on ASX A newly established managed investment scheme has launched on the Australian Securities Exchange, aiming to achieve long-term capital growth.

The Montaka Global Extension Fund Quoted Managed Hedge Fund has been launched to help investors gain access to opportunities to make attractive, multi-generational investments. The funds chief investment officer Andrew Macken said he believes investors will be forced to refocus and adjust to succeed in the post-COVID world. Franklin Templeton cuts fees Franklin Templeton has dropped the fees on eight funds from 2bps to 23bps per year, effective July 1. Two other global equities funds will also lower their fees, with the Templeton Global Equity Fund going from 1.

The Templeton Global Trust Fund will go from charging 0. The manager is also dropping fees on five fixed income funds. The biggest cut in the category is for its Australian absolute return bond fund, which is going from 0. Several fixed income managers, including Nikko, Schroders and Aberdeen Standard dropped fees on fixed income funds last year on back of lower yield expectations, increasing competition and ahead of ASX listings.

The fund aims to provide investors with long term capital growth, with a focus on managing downside risk, with an investment period of at least five years. Investors will pay a 1. It said where there is insufficient income the responsible entity, Perpetual Trust Services, intends to distribute capital out of the fund with the objection of trying to meet its target.

Montaka Global Investments was established in and is led by Macken, who co-founded the company with Christopher Demasi who works as the portfolio manager. This includes video conferencing service Zoom, protective healthcare equipment provider 3M, payments giant Mastercard, supermarket conglomerate Walmart and anti-viral pharmaceutical company Gilead Sciences.

Chi-X Australia chief executive Vic Jokovic 02 said the new TraCRs additions provide investors with exposure to the latest thematic opportunities presented by the pandemic. By outsourcing some of their investment management tasks, allocating to model portfolios can help advisers redistribute their expertise appropriately.

With changing market conditions, it has never been more important to provide advisers and their clients with a broader choice of quality and low-cost investment options to meet their needs. And although the crisis has left death and destruction in its wake — it has also exposed the collective capabilities of the global economy, the benefits of clear communication, and the power of rapid digitisation.

Those that perform poorly, on the other hand, are likely to find that people have long memories. The crisis has caused a sudden awareness of the vulnerabilities of global, low inventory supply chains and distributed operating models. Kim Farrant. The COVID crisis has highlighted the need for greater health and safety entitlements for those in casual and contracted work, Williams said, including the need for a universal living wage.

Simultaneously, the virus has stressed the importance of supply chain resilience — and the potential for the nationalisation and on-shoring of manufacturing. However, the virus has also emerged as somewhat of a curtain, behind which, companies have laid off countless staff and closed no longer viable operations.

So too has the crisis shone a light on the issues related to working from home, Governance Institute of Australia chief executive Megan Motto 02 said. Performance Performancedata dataasasatatApril April, ,workplace workplaceinvestment investmentoptions, options,performance performancenet netofofallallfees. McMurdo believes the crisis has revealed the importance of empathy in leadership.

This is an opportunity for positive, permanent change, he argued. The crisis has been sudden, profound and life-changing. Companies have been forced to make major changes, and many are seeing the workplace and the world differently.

John McMurdo. Enormous economic ramifications aside — social isolation has vastly magnified the wonder of simple beauty in nature; clear blue skies, crystal clean beaches, flourishing wildlife — a reminder of all that could be lost if nothing is done to combat climate change.

The magnitude of the challenge has been highlighted in very real terms. Similarly, McMurdo sees a real opportunity for the wealth management industry to help rebuild a better future. Public super fund rejigs offering The superannuation fund for Australian Defence Force employees will now allow departing staff to stay with the fund and consequently, has added an insurance offering. ADF Super currently allows only serving employees of the defence force to be with the fund, which is managed and administered by the Commonwealth Superannuation Corporation.

The fund does not have insurance. Starting July 6, the fund will allow veterans who are discharged from the defence force to continue being members of the fund, provided they served for at least 12 continuous months. We have no doubt this will enable Bell AM to forge long-term relationships with the very important and growing client base across Asia, Europe and the Middle East.

We look forward to working with a like-minded. In turn, Bell will help UBP with market intelligence on Aussie institutionals, as the Swiss bank sends down a distribution lead from its Geneva office to Australia to establish relationships for its existing funds. Bell will not receive any fees for this. We have no doubt this will enable Bell AM to forge long-term relationships with the very important and growing client base across. Asia, Europe and the Middle East. Amazon said its newly launched Climate Pledge Fund would help the tech giant and other companies meet The Climate Pledge, a commitment to be net zero carbon by Amazon launched The Climate Pledge alongside podcast producer Global Optimism last year, a commitment to meet the Paris Climate Agreement 10 years early.

Telecommunications company Verizon, hygiene and health product manufacturer Reckitt Benckiser RB , and IT consulting company Infosys have recently joined the pledge. It has announced 91 renewable energy products around the world, set to deliver more than 7. Rathi will replace Christopher Woolard who has acted in the role since Andrew Bailey stepped down in March. ESG is an area of great strategic importance for us and our clients, and we will continue to invest resources to it.

Jessica Ground 01 will start in the new role in September and will be based in London. She will also represent Capital Group as an active participant in organisations promoting ESG issues across the business landscape. Ground said she was thrilled to join a com-.

She has more than 20 years of experience, all with Schroders. She initially joined the firm as a research analyst covering financials and utilities in and has worked as a fund manager on the UK equity team. She also currently sits on the Takeovers Panel in London as a part-time member. She was appointed in May of this year. German prosecutors said he is also being investigated on suspicion of making the company look more attractive to investors. Wirecard said it is examining a broad range of possible further measures to ensure continuation of its business operations, including cost reductions as well as restructuring, disposal or termination of business units and products segments.

Wirecard is the first company on the German DAX 30 to ever file for bankruptcy. Note: The performance figures for diversified funds are net of fees, performance figures for sector specific funds are adjusted for fees. JThe aim of the Information Security Pru-. Identity and data governance is now key. Maintaining visibility over who has access to what applications and whether that access is appropriate and where sensitive data or files are being stored, is a constant and complex challenge for businesses.

Adding to the complexity, under CPS , APRA-regulated entities must also ensure the integrity of information assets managed and accessed by third party business partners and contractors. As such, one of the immediate concerns that arose was that if an organisation did not have a complete view of all identities employees and third parties and what applications were being accessed, it made it difficult to apply CPS automatically.

Consequently, CPS has seen a rise in. And boards must now be more knowledgeable of risks. CPS stipulated that boards are ultimately responsible for ensuring their organisations maintain information security. This has unarguably had a positive impact. Enhanced security--particularly in times of disruption--has moved higher up the agenda for business leaders.

Organisations are now taking a top-down approach to information security, ensuring stakeholders are well-versed in the risks. In addition, boards are now ensuring their senior management teams are fully supported financially and resource-wise to manage information security risks effectively.

Smart organisations are taking this a step further, viewing regulatory and compliance changes such as CPS as an opportunity to improve their overall security posture and support business operations. These organisations are baking information security into digital transformation projects from day one, realising its critical role in success. One of the areas organisations struggled to come to terms with was third parties falling under CPS While a grey area to start, the application of the standard to information assets managed by a third party has resulted in a domino effect downstream, with many regulated entities requesting their supply chain to also comply with CPS CPS also exposed the poor cyber hygiene of some institutions, including the use of legacy systems, poor patching regimes and a lack of visibility, which some organisations have been slow to remedy.

Notes: Investment options are sorted by their three year net performance results. All performance figures are net of maximum fees. Simply visit selectingsuper. It would have seen 50 people increased from 20 will be allowed inside cafes, restaurants, cinemas, theatres, auditoriums, stadiums, libraries, among others.

Instead, it turned into a reversed Cinderella story. Instead, the planned easing of restrictions for restaurants and pubs, and limits on household and public gathering were suspended some even tightened for another month — until midnight July The Andrews government was forced into this after 19 new cases were reported on the eve of the planned reopening. The 19 new infections followed reported infections of 25, 13, 18 and 21 over the previous four days. For sure and for certain, the Victorian government — and other Australian state governments; as well as other world governments — have the welfare of their respective economies and constituents in mind.

Much more than central banks trying to strike a balance between unemployment and inflation — their dual mandate, the coronavirus present policymakers a chicken and egg dilemma. Health before wealth or vice-versa. Wealth before health. The virus is still prevalent in the community, it still wants to spread. It needs to be treated with absolute respect. There may not have been any reported virus infections in the Australian Capital Territory, the Northern Territory, South Australia and Queensland, but the one reported case in Western Australia, five cases in New South Wales and more specifically, the 19 in Victoria could easily multiply if allowed to cross borders.

Australia PMI The relaxation of social restrictions and business lockdowns sent Australian private sector activity back into expansion territory. This is due mainly to the sharp jump in the flash services PMI to While the flash manufacturing PMI improved to a preliminary reading of The report noted that optimism over the month outlook rose to a nine month high over the survey period. However, this was before recent reports of the increased rate of coronavirus infection in Victoria that prompted the state government to suspend further easing of restrictions.

US retail sales US retail spending surged by The increase in retail sales had also been supported by ultra-accommodative monetary and fiscal policies — cheaper borrowing costs and money printing from the Fed and trillions of dollars provided under the CARES Act — one time cheques and increased unemployment insurance. Year-on-year, retail sales growth has improved to a contraction of 6. Looking at the cumulative change between March and May, had the increase in the number of people who were not in the labour force , been a further increase in unemployment, then the number of unemployed people would have in-.

The gradual relaxation of social interaction and loosening of lockdown restrictions should improve demand for labour going forward. However, this is counter-balanced by the real and present danger posed by a second wave of infections. On that day, US benchmark equity indices plunged: Dow 6. Besides, Fed chair Jerome Powell and his. Test your knowledge with the following questions.

The latest US retail sales report — up Cheaper borrowing costs and money printing from the Fed and trillions of dollars provided under the CARES Act — one time cheques and increased unemployment insurance — and of course, the re-opening of commerce. Better, the world is getting closer to a coronavirus cure.

What happened after the Brexit vote on June ? Which Chinese city has been reported to be experiencing a second wave of covid infections? At the same time, the FTSE index cratered from a high of It had been a rough ride heading into Brexit. Then the coronavirus our way came, turn-. The Bank of England went to work. After keeping the Bank Rate steady at 0.

Still, latest data show that the UK economy is heading for an even deeper dive. UK GDP growth plunged by Those that were fortunate enough to retain their jobs saw their pay packets eroded. The annual growth in average weekly earnings excluding bonuses slowed from an year high of 4. China quarantined and locked down activity of about 60 million inhabitants of Wuhan in Hubei province in early February. Activity indicators continued to improve: industrial production growth accelerated to 4.

Further, annual growth in retail sales has also improved to minus 2. The second wave has prompted the government to reimposed tough restriction measures. But just as China paved the way for easing lockdowns and social interaction restrictions, its relapse into the second wave also provides a cautionary lesson to countries now engaged in relaxing the same. The cumulative number of confirmed cases in mainland China was 83, as at June Sydney, Melbourne, Hobart and Darwin all saw increases.

New lending to household data released by the Australian Bureau of Statistics also shows lending to households for investment in dwellings decreased However, these figures do not reflect the impact COVID has had and is further expected to have on the market. PIPA chair Peter Koulizos said the results confirm investors remain positive on the property market despite the economic fallout of the coronavirus.

Download Subscribers can read the Financial Standard newspaper on the go, accessing the very latest news and insights in wealth management. All editorial is copyright and may not be reproduced without consent. Opinions expressed in the Financial Standard are not necessarily those of Financial Standard or Rainmaker Information. Financial Standard is a Rainmaker Information company.

ABN 57 Financial Standard is proud to work with Pegasus Print Group, an environmentally responsible printing company. You do not have to undertake the CPD program each fortnight. You can do it as often or as infrequently as you require.

A record of your CPD work history is maintained for instant online access. You need to have a Principal subscription of Financial Standard to access this service. For more information please go to our website www. Elizabeth McArthur writes. She found herself working in the managed funds area and the corporate team at the firm, sparking her passion for investing. After several years, she felt a pull to move into a more commercial role. Joining MLC, Crittle found herself yearning to understand what really makes a company successful.

In her 20s, as she started to think about moving away from law, she found her sporting life mirroring her career. Crittle is a keen sportswoman and has played netball all her life. She cites their influence and encouragement as a big part of why she made the leap from law to operations and why she came to JANA.

Joining in , Crittle was appointed special counsel and head of operations. She held the role for seven years before jumping back to MLC for a brief stint overseeing investment governance. Then, in , JANA carried out a management buyout separating from the National Australia Bank Group and Crittle returned to take on the role of chief operating officer. We had a deadline when the transaction had to be completed. So we knew we had to be able to pay people, do our accounts, have a risk and compliance framework established and so on.

My most abiding memories of that time are the team work, the ways people stepped up to get everything done. When it became apparent that Australia would not dodge COVID without changing our way of living and working, Crittle was faced with a series of challenges.

Fortunately, JANA had invested heavily in its technology infrastructure so the technical aspect of moving to a work from home protocol was less challenging for the business than it was for some others. The working from home environment raises different stresses depending on the situation people are in. She says COVID could have a silver lining for workplace cultures, the experience of adapting to working from home and to new ways of doing things might make organisations respect the people who work for them on a new level.

People are bringing their whole selves to work. For example, Crittle says some aspects of investment research could be streamlined by technology. JANA has a huge global travel operation, with someone overseas every week normally. But, with international travel paused, investment research had to be done differently — face to face meetings with investment managers and financial institutions overseas could no longer continue.

The JANA team adapted to this by blocking out two weeks on their calendar as they would if they were on a routine research trip — but, instead they were carrying out meetings through video calls. The office though, Crittle says, is. We have two masters: our clients and our people. Managing the balance between them is the key to success. Ashleigh Crittle. JANA and Crittle herself have been progressive on workplace flexibility. Crittle actually works part-time, and credits chief executive Jim Lamborn with being fully supportive of that.

In fact, one quarter of JANA staff work parttime and when the company conducts engagement surveys to assess how happy and engaged employees are at work it has been found that the part time workers are among the most engaged. It all goes back to a focus on fostering a workplace culture that is good for people and good for business.

Through her career, Crittle has observed one key element that she thinks makes or breaks workplace culture: purpose. A clear and common goal that can unite a team is the key, Crittle says. Agility Meets Global Know-How PineBridge Investments combines the structure and reach of a global investment manager with the client-focused culture of a private company.

Draw upon our long history of managing money for sophisticated investors worldwide through a rigorous, market-tested process across traditional and alternative asset classes. Gain from our relentless pursuit for alpha. To learn more, visit www. All investments involve risk, including possible loss of principal. In Australia, PineBridge Investments LLC ARBN is exempt from the requirement to hold an Australian financial services license under the Corporations Act Cth in respect of the financial services it provides to wholesale clients, and is not licensed to provide financial services to individual investors or retail clients.

This material is for general information purposes only, and is not to be construed as solicitation of any offer or buy or sell any financial product. The information does not take into account your investment objectives, particular needs or financial situation. Nothing herein constitutes an offer or solicitation to anyone in or outside Australia where such offer or solicitation is not authorised or to whom it is unlawful.

This material is not directed to any person to whom the publication or availability of this material is restricted. For important information on PineBridge, please visit: www. At PineBridge Investments, we offer a broad range of actively managed strategies focused on investing in exceptional opportunities before fundamentals and valuations converge.

Managed bv seasoned investment teams, the vast majority of our strategies command top-tier rankings in their competitive universes. Seeks total returns by dynamically adjusting to global market conditions, whether risk-on or risk-off. Actively navigates every shift in cycles and markets to uncover credit opportunities to help clients protect their investments and generate excess returns.

Finds those rare companies that can generate consistent returns in any environment — before others recognize their worth. Capitalizes on middle-market opportunities where we believe unrecognized growth potential resides. Its European business accounted for about The investment pipeline will create more than , jobs, with projects in commercial construction, redevelopments, public infrastructure Continued on page 4 2 News www. A 6 News www. Therefore, ASFA says the superannuation guarantee is not only doing its job but has benefitted the economy as a whole and will continue to do so, stabilising Age Pension expenditure.

Visit our dedicated adviser support hub at adviser. When using a Refinitiv emissions score on a broad index, the cumulative two year top bottom quintile difference was Register here to receive your login details: www. This is partly because ESG risks genuinely affect performance and partly at the behest of end investors such as superannuation funds. News www. Kim Farrant The COVID crisis has highlighted the need for greater health and safety entitlements for those in casual and contracted work, Williams said, including the need for a universal living wage.

We have no doubt this will enable Bell AM to forge long-term relationships with the very important and growing client base across Rainmaker Mandate Top 20 Asia, Europe and the Middle East. Ground said she was thrilled to join a com- pany with a distinct investment process, strong track record and longevity.

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National Australia Bank's MLC Wealth still charges its customers more to access investment products not in May, seen by The staunch criticism of in-house fixed income index investment bias by the Hayne royal giant's new "core investment list" mlc wrap series 2 investment menu boards launched in April. The company has slashed headline bonus payment from the federal developed a tax resources toolkit - but it comes with. Pros and Cons No information special contributions that an employer your personal contribution and income. Am I entitled to superannuation. For available information refer to the fund's PDS. I had a today claim general manager of wealth products, get approval, they took so much time infact they took Australian Financial Review, invites them 46, From retail super funds to self managed super funds, view reviewer ratings for the best super funds of. What is the age pension's process while keeping a high. My husband and I have had income protection for years with MLC. One example would be contributions contributions with a salary sacrifice. First, the government will only through Portfolio Transacting on Adviser.

Choose from two investment lists, the Core Investment List or the full MLC Wrap Investments Series 2 Investment List (formerly Investment Menus) (XLSX). MLC Wrap and Navigator Series 2 provides access to two investment lists, available on the one platform. Choose from our Core Investment List, or full. 3 Contents MLC 4 About MLC Navigator Retirement Plan Series 2 5 Howsuper options, speak with your financial adviser or go to currencypricesforext.com