Post on 31-May-2020
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 operationalcostswill generally be incurredwhendealingwith theunderlyingassets of an investment option. They includebrokerage, clearingcosts, stamp duty, the buy and sell spreads of any underlyingfunds and certain costs associated with holding derivatives ordirect investments in real property. The net transactional andoperational costs shownare after any amounts recovered by thecharging 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.Whereborrowing costs are disclosedby the fundmanager, theseare detailed in this document. Before selecting an investmentoption, you should refer to the latest costs set out in thatinvestment option's current product disclosure statement.
Formore information on fees and costs please refer to theNorthSuper and Pension PDS – Part A, North Super and PensionGuarantee PDS – Part B, North Investment IDPS guide or theNorth Investment Guarantee PDS as applicable to you.
Please submit all investment instructions throughNorthOnline,available via northonline.com.au.
Contents
2Guaranteed investment options
3Discounted investment options
5Standard investment options
29Standard Risk Measure
29Other important information
This document outlines the investment optionsavailable through theNorth Super andPensionproductdisclosure statement (PDS), North Super and PensionGuarantee PDS, North Investment investor directedportfolio service guide (IDPS) guide and the NorthInvestment Guarantee PDS.
North offers a range of investment options featuring:
– over 420 managed funds– managed portfolios– listed securities on theAustralianSecurities Exchange
(ASX)– exchange traded funds (ETFs), exchange traded
commodities (ETCs) and exchange traded bonds(ETBs)
– listed investment companies (LICs) and listedinvestment trusts (LITs)
– Australian real estate investment trusts (AREITs), and– term deposits.Fromtime to time,we’ll addor remove investmentoptions.We recommend you consult your financial adviser beforeselecting the specific investment options for yourinvestment strategy.
North® Investment Options
Issue date 8 May 2020® North is a registered trademark of NMMT Limited ABN 42 058 835 573
Guaranteed investment optionsInvestorswhohave selectedaGuaranteebetween29 July 2013and 20 February 2016 may choose from these funds:
Fund name
Cash Account
AMP Capital Cash Management Trust (W)
North Guardian Moderately Defensive Fund
North Guardian Balanced Fund
North Guardian Growth Fund
Please note that the funds available to youwill vary dependingon the investment strategy you have selected. For moreinformation, please read the North Super and Pension PDS –Part B or North Investment Guarantee PDS.
Investorswhohave selectedaGuaranteebetween10April 2012and 28 July 2013 may choose from these funds:
Fund name
Cash Account
AMP Capital Cash Management Trust (W)
North Active Defensive
North Active Moderately Defensive
North Active Balanced
North Active Growth
North Active High Growth
North Index Defensive
North Index Moderately Defensive
North Index Balanced
North Index Growth
North Index High Growth
Investors who have selected a Guarantee before 9 April 2012may choose from these funds:
Fund name
Cash Account
Aberdeen Standard Active Index Income Fund
AMP Capital Australian Equity Value Fund (W)
AMP Capital Cash Management Trust (W)
Ausbil Australian Active Equity Fund
BlackRock Advantage Australian Equity Fund
Colonial First State Australian Share Fund Core (W)
Fidelity Australian Equities Fund
Fund name
iShares Australian Bond Index Fund
iShares Australian Equity Index Fund
iShares Australian Listed Property Index Fund
iShares International Equity Index Fund
Maple-Brown Abbott Australian Share Fund (W)
Nikko AM Australian Share Fund (W)
North Active Defensive
North Active Moderately Defensive
North Active Balanced
North Active Growth
North Active High Growth
North Index Defensive
North Index Moderately Defensive
North Index Balanced
North Index Growth
North Index High Growth
Pendal Australian Share Fund
Pendal Core Global Share Fund
Perennial Value Shares Trust (W)
Perpetual Australian Share Fund (W)
Schroder Australian Equity Fund (W)
Schroder Global Core Fund
UBS Australian Share Fund
UBS Cash Fund
Vanguard Australian Fixed Interest Index Fund (W)
Vanguard Australian Property Securities Index Fund (W)
Vanguard Australian Shares Index Fund (W)
Vanguard International Fixed Interest Index Fund (Hedged) (W)
Vanguard International Shares Index Fund
Vanguard International Shares Index Fund (Hedged)
2
Discounted investment optionsManaged funds
Riskband (i)
Buy/SellSpreads(%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
Discount Menu
Cash Option
1NilN/ANil0.17AMP Capital Cash Management Trust (W) (ii) (iii)NML0018AU
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
North Index
50.12/0.18N/A0.010.46North Index Balanced (iv)NMM0113AU
30.08/0.25N/A0.020.46North Index Defensive (iv)NMM0111AU
60.13/0.11N/A0.010.46North Index Growth (iv)NMM0114AU
60.15/0.13N/A0.010.46North Index High Growth (iv)NMM0115AU
40.10/0.23N/A0.020.46North Index Moderately Defensive (iv)NMM0112AU
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
50.19/0.200.050.480.77AMP Capital Core Retirement FundAMP3254AU
40.20/0.45N/A0.070.61AMP Capital Corporate Bond Fund (ii)AMP0557AU
60.20/0.20N/A0.330.72AMP Capital Equity Income Generator (ii)AMP1905AU
50.11/0.12N/A0.060.81AMP Capital Income Generator (ii)IPA0075AU
50.17/0.190.290.441.06AMP Capital Multi Asset FundAMP1685AU
50.13/0.130.220.161.53AMP Capital Premium Growth FundIPA0178AU
Specialist Series and Other Funds
50.15/0.15N/A0.840.63AMP Capital Dynamic Markets FundAMP1932AU
60.20/0.20N/A0.090.82Specialist Australian Share FundAMP0681AU
3
Riskband (i)
Buy/SellSpreads(%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
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 (v)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
AMP Capital Experts' Choice Series
40.20/0.240.020.211.01AMP Capital Experts’ Choice Balanced FundHLR0003AU
30.13/0.230.010.230.85AMP Capital Experts’ Choice Conservative FundHLR0004AU
30.11/0.32N/A0.510.76AMP Capital Experts’ Choice Diversified Interest Income FundHLR0001AU
60.24/0.240.020.161.06AMP Capital Experts’ Choice Growth FundHLR0005AU
60.24/0.240.190.241.22AMP Capital Experts’ Choice Property and Infrastructure FundHLR0022AU
1Nil/0.10N/A0.010.31AMP Capital Experts’ Choice Short TermMoney Market FundHLR0007AU
ipac Life Choices Series
40.18/0.170.020.190.85ipac Life Choices Active 50 (vi)IPA0156AU
50.19/0.170.030.180.99ipac Life Choices Active 70 (vi)IPA0155AU
60.19/0.170.030.161.08ipac Life Choices Active 85 (vi)IPA0154AU
60.20/0.17N/A0.141.13ipac Life Choices Active 100 (vi)IPA0153AU
50.18/0.170.140.301.49ipac Life Choices Alternative Balanced (vi)IPA0157AU
50.11/0.12N/A0.060.81ipac Life Choices Income Generator (ii) (vi)IPA0158AU
40.10/0.09N/A0.020.47ipac Life Choices Index 50IPA0160AU
50.12/0.17N/A0.020.47ipac Life Choices Index 70IPA0159AU
60.13/0.12N/A0.020.47ipac Life Choices Index 85IPA0161AU
50.13/0.130.220.161.53ipac Life Choices Premium Growth (vi)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) Investors who have selected a Guarantee may select these funds.(iv) 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.(v) 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.(vi) This investment option is closed to new investors. Existing investors that hold the fund can continue to purchase additional units.
4
Term depositsProvider
AMP
ANZ
Adelaide Bank
Please refer to northonline.com.au for the current list of termsand rates. There are no underlying fees and costs for Termdeposits.
Term deposits are not currently available on accounts with aGuarantee.
Cash AccountFor the current cash account investment fee, refer to the Feesand other costs section in the North Super and Pension PDS –Part Aor theNorth Investment IDPSGuide as applicable to you.
Please refer to northonline.com.aufor the Cash Accountperformance report.
Standard investment optionsManaged funds
Riskband (i)
Buy/SellSpreads(%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
Advantage Range
Australian Shares
60.10/0.03N/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
60.22/0.22N/A0.180.78DNRCapital AdvantageAustralianEquitiesHighConvictionFundAMP2076AU
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
60.15/0.15N/A0.130.79Perennial Value Advantage IncomeWealth Defender FundAMP2084AU
60.25/0.25N/A0.070.72Schroder Advantage Australian Equity FundAMP5683AU
Global Shares
70.22/0.22N/ANil1.35Aberdeen Advantage Emerging Opportunities Fund (iii)AMP9144AU
60.30/0.300.010.251.10Antipodes Advantage Global FundAMP9989AU
60.12/0.18N/A0.221.23Arrowstreet Advantage Global Equity FundAMP8663AU
60.20/0.20N/ANil1.05Grant Samuel Epoch Advantage Global Eq Shareholder YieldFundAMP2078AU
60.07/0.07N/ANil2.69Magellan Advantage Global FundAMP2080AU
60.16/0.12N/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
40.20/0.45N/A0.070.52AMP Capital Advantage Corporate Bond Fund (ii)AMP7750AU
5
Riskband (i)
Buy/SellSpreads(%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
50.80/0.80N/A0.140.62Bentham Advantage Global Income FundAMP2068AU
7Nil/0.43N/A0.020.40Janus Henderson Advantage Tactical Income FundAMP8287AU
3Nil/0.50N/A0.080.60Kapstream Advantage Absolute Return Income FundAMP8634AU
3Nil/0.43N/A0.290.42PIMCO Advantage Diversified Fixed Interest FundAMP2082AU
40.12/0.39N/A0.120.40Schroder Advantage Fixed Income FundAMP7635AU
Property and Infrastructure
60.05/0.05N/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
60.09/0.07N/A0.340.85RARE Advantage Infrastructure Value Fund - HedgedAMP2070AU
Alternatives
40.30/0.30N/A0.430.80Invesco AdvantageWholesale Global Targeted Returns FundAMP5581AU
(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) This investment option is closed to new investors. Existing investors that hold the fund can continue to purchase additional units.
All other managed funds available through the Standard menu.
Riskband (i)
Buy/SellSpreads (%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
Multisector
Cautious
30.16/0.37N/A0.121.00UBS Defensive Investment FundSBC0814AU
Conservative
30.10/0.10N/ANil1.41Allan Gray Australia Stable FundETL0273AU
30.10/0.150.020.220.69BlackRock Scientific Diversified Stable FundBAR0811AU
40.10/0.21N/A0.260.61North Guardian Moderately Defensive Fund (ii)IPA0169AU
30.10/0.23N/A0.070.29Vanguard Conservative Index FundVAN0109AU
Moderately Conservative
40.10/0.17N/ANil0.40Dimensional World Allocation 50/50 Trust (iii)DFA0033AU
Balanced
50.17/0.400.060.411.08AMP Capital Ethical Leaders Balanced FundAMP0452AU
60.25/0.250.040.450.79BlackRock Scientific Diversified Growth FundBAR0813AU
50.18/0.180.040.490.85BlackRock Tactical Growth FundPWA0822AU
50.20/0.35N/A0.100.97Colonial First State Diversified Fund (W)FSF0008AU
6
Riskband (i)
Buy/SellSpreads (%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
50.12/0.16N/A0.280.60North Guardian Balanced Fund (ii)IPA0167AU
50.36/NilN/A0.231.05Perpetual Balanced Growth Fund (W)PER0063AU
50.22/0.26N/A0.140.90Schroder Strategic Growth Fund (W)SCH0102AU
50.25/0.31N/A0.211.10UBS Balanced Investment FundSBC0815AU
40.10/0.21N/A0.070.29Vanguard Balanced Index FundVAN0108AU
Moderately Aggressive
50.10/0.16N/ANil0.40Dimensional World Allocation 70/30 Trust (iii)DFA0029AU
60.13/0.11N/A0.250.61North Guardian Growth Fund (ii)IPA0168AU
50.09/0.16N/A0.040.29Vanguard Growth Index FundVAN0110AU
Aggressive
60.12/0.12N/ANil0.43Dimensional World Equity Trust (iii)DFA0035AU
60.08/0.10N/A0.020.29Vanguard High Growth Index FundVAN0111AU
Specialist
40.20/0.20N/ANil1.16Aberdeen Standard Multi Asset Real Return FundCRS0002AU
40.15/0.20N/ANil0.94Aberdeen Standard Multi Asset Income Fund (v)CRS0001AU
50.30/0.30N/A0.060.20BlackRock Global Allocation Australian FundMAL0018AU
50.30/0.30N/A0.060.40BlackRock Global Allocation FundMAL0029AU
5NilN/A0.310.75BlackRock Global Multi-Asset Income Fund (v)BLK0009AU
30.07/0.44N/A0.020.65Pendal Monthly Income Plus Fund (v)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
40.16/0.16N/A0.210.58State Street Multi-Asset Builder FundSST0052AU
Cash
Cash and Deposits
1NilN/A0.010.25UBS Cash Fund (v)SBC0811AU
Short Term Fixed Interest
1NilN/ANil0.22DDH Cash Fund (v)DDH0009AU
40.03/0.06N/A0.030.19Dimensional Short Term Fixed Interest (iii)DFA0100AU
40.03/0.12N/ANil0.31Macquarie Australian Diversified Income FundMAQ0204AU
3Nil/0.06N/A0.020.30UBS Cash Plus FundSBC0812AU
10.02/0.04N/A0.060.29Vanguard Cash Plus Fund (v)VAN0102AU
7
Riskband (i)
Buy/SellSpreads (%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
Fixed Interest
Australian Fixed Interest
40.05/0.15N/A0.110.53Aberdeen Standard Australian Fixed Income Fund (iv)CRS0004AU
40.10/0.40N/A0.170.37AMP Capital Wholesale Australian Bond Fund (v)AMP0981AU
30.05/0.05N/ANil0.55CC JCB Active Bond FundCHN0005AU
40.10/0.20N/ANil0.20iShares Australian Bond Index FundBGL0105AU
4Nil/0.50N/A0.010.35Janus Henderson Cash Enhanced FundIOF0047AU
7Nil/0.50N/A0.020.45Janus Henderson Tactical Income FundIOF0145AU
40.08/0.05N/A0.010.42Legg MasonWestern Asset Aust Bond Fund - Class A (v)SSB0122AU
40.04/0.07N/ANilNilMacquarie True Index Australian Fixed InterestMAQ0211AU
40.05/0.24N/A0.030.30Nikko AM Australian Bond FundTYN0104AU
40.03/0.03N/ANil0.25Pendal Enhanced Cash FundWFS0377AU
40.06/0.19N/A0.150.50Pendal Fixed Interest FundRFA0813AU
40.05/0.22N/A0.080.40Pendal Sustainable Australian Fixed Interest FundBTA0507AU
4Nil/0.35N/A0.060.54PIMCO EQT Australian Bond Fund (W)ETL0015AU
4Nil/0.35N/A0.140.54PIMCO EQTWholesale Australian Focus FundETL0182AU
4Nil/0.27N/A0.060.45UBS Australian Bond FundSBC0813AU
40.08/0.27N/A0.020.24Vanguard Australian Fixed Interest Index Fund (W)VAN0001AU
40.04/0.19N/ANil0.24Vanguard Australian Government Bond Index FundVAN0025AU
Diversified Fixed Interest
3Nil/0.10N/A0.120.65PIMCO EQT Diversified Fixed Interest Fund (W)ETL0016AU
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
30.95/0.95N/A0.510.55BlackRock International Bond FundPWA0825AU
4NilN/A0.120.62Colchester Global Government Bond FundETL5525AU
30.08/0.15N/A0.020.28Dimensional Five-Year Diversified F/I (iii)DFA0108AU
30.10/0.30N/A0.030.35Dimensional Global Bond Trust (iii)DFA0028AU
30.08/0.25N/ANil0.25Dimensional Two-Year Diversified F/I (iii)DFA0002AU
30.10/0.25N/ANil0.20iShares Global Bond Index FundBGL0008AU
3Nil/0.50N/A0.180.74PIMCO EQT Global Bond Fund (W)ETL0018AU
4NilN/A0.260.88PIMCO ESG Global Bond FundPIC6396AU
30.08/0.23N/A0.090.26Vanguard International Fixed Interest Index Fund (Hedged)(W)VAN0103AU
8
Riskband (i)
Buy/SellSpreads (%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
Annuities
3NilN/ANilNilChallenger Guaranteed Income Fund (4.00 cents p.a. 30Sep 2022) (v) (vi)MLT0010AU
Specialist
50.15/0.15N/A0.210.55AllianceBernstein Dynamic Global Fixed Income FundACM0001AU
30.075/0.075N/A0.180.50Ardea Real Outcome FundHOW0098AU
5NilN/A0.100.65Franklin Australian Absolute Return Bond FundFRT0027AU
6NilN/A0.420.93Franklin Templeton Multisector Bond Fund (W)FRT0011AU
40.15/0.15N/ANil0.58JPMorgan Global Strategic Bond FundPER0727AU
3Nil/0.50N/A0.080.55Kapstream Absolute Return Income Fund (W)HOW0052AU
50.15/0.15N/A0.070.70LeggMasonBrandywineGlobalOpportunistic Fixed IncomeFund - Class ASSB0014AU
40.10/1.15N/ANil0.72Payden Global Income OpportunitiesGSF0008AU
5NilN/A0.080.91PIMCO Income Fund (v)ETL0458AU
40.75/0.75N/A0.580.46T. Rowe Price Dynamic Global BondETL0398AU
Credit
60.80/0.80N/A0.090.77Bentham Global Income Fund (W) (v)CSA0038AU
61.50/1.50N/ANil0.84Bentham Syndicated Loan Fund (W) (v)CSA0046AU
50.15/0.50N/A0.050.62Colonial First State Global Credit Income Fund (W) (v)FSF0084AU
60.10/0.10N/A0.180.75Invesco Senior Secured Income Fund (W) (v)CNA0805AU
50.15/0.15N/A0.130.51Macquarie Income Opportunities Fund (v)MAQ0277AU
30.10/0.75N/A0.170.71Perpetual Diversified Income Fund (W)PER0260AU
5Nil/0.70N/A0.030.73PIMCO EQT Global Credit Fund (W)ETL0019AU
60.20/0.20N/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
50.15/0.58N/A0.180.32Vanguard International Credit Securities Indexed HedgedFundVAN0106AU
Property
Australian Property
7Nil0.631.090.97AMP Capital Wholesale Australian Property Fund (iv)(xiii)NML0001AU
70.25/0.25N/ANil0.85APN AREIT Fund (v)APN0008AU
7Nil0.953.980.72Charter Hall Direct Industrial Fund No. 4 (vii) (viii)MAQ0854AU
5Nil/2.500.083.260.58Charter Hall Direct Office (W)(vi)(vii)MAQ0842AU
7Nil0.484.932.95Cromwell Direct Property Fund (v)(xiii)CRM0018AU
9
Riskband (i)
Buy/SellSpreads (%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
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 - ClassASSB0128AU
70.50/NilN/A0.240.65Pendal Property Investment FundRFA0817AU
70.25/0.25N/A0.050.85SG Hiscock Property Opportunities Fund (W) (iv)HBC0008AU
70.25/0.25N/A0.010.78SG Hiscock Wholesale Property Fund (iv)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
Diversified Property
50.14/0.140.400.551.25AMP Capital Core Property Fund – Class A (vii)AMP1015AU
Global Property
70.30/0.30N/A0.290.98AMP Capital Global Property Securities FundAMP0974AU
70.10/0.10N/ANil0.37Dimensional Global Real Estate Trust (iii)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 IIIOF0184AU
70.20/0.20N/ANil1.05ResolutionCapitalGlobal PropertySecurities Fund (Hedged)– Series IIIOF0081AU
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
60.25/0.25N/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) (v)HBC0011AU
60.25/0.25N/A0.270.85Nikko AM Australian Share Income FundTYN0038AU
10
Riskband (i)
Buy/SellSpreads (%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
60.50/NilN/A0.040.90Pendal Imputation FundRFA0103AU
60.30/0.30N/A0.030.92Perennial Value Shares for Income TrustIOF0078AU
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/A0.551.65AMP Capital Experts’ Choice Small Companies FundHLR0023AU
60.30/0.30N/A0.190.85Ausbil Australian Emerging Leaders FundAAP0104AU
60.20/0.20N/A0.041.10Australian Ethical Australian Shares Fund (iv)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 (iii)DFA0104AU
70.30/0.30N/A0.311.70Eley Griffiths Group Emerging Companies FundPIM5346AU
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
60.30/0.30N/A0.341.72NovaPort Microcap Fund (W) (iv)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) (iv)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 (iv)UBS0004AU
11
Riskband (i)
Buy/SellSpreads (%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
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/A0.200.87AMP Capital Australian Equity Value Fund (W)NML0061AU
60.26/0.26N/A0.191.12AMP Capital Experts’ Choice Australian Shares FundHLR0002AU
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 (iv)HOW0019AU
60.20/0.20N/A0.110.96Colonial First State Australian Share Fund Core (W) (iv)CFM0404AU
60.25/0.25N/ANil0.90DNR Australian Equities High Conviction FundPIM0028AU
60.08/0.08N/ANil0.28Dimensional Australian Core Equity Trust (iii)DFA0003AU
60.08/0.08N/ANil0.20Dimensional Australian Large Company Trust (iii)DFA0103AU
60.08/0.08N/A0.020.34Dimensional Australian Value Trust (iii)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
12
Riskband (i)
Buy/SellSpreads (%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
60.30/0.30N/A0.070.92Perennial Value Shares Trust (W)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) (iv)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 Core Australian 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 (iv)UBS0024AU
60.05/0.05N/ANil0.16Vanguard Australian Shares Index Fund (W)VAN0002AU
60.20/0.20N/A0.150.97WaveStone Australian Share FundHOW0020AU
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 (iv)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 Value Wealth Defender Australian Shares TrustIOF0228AU
60.15/0.15N/A0.191.18Perpetual Ethical SRI Fund (W) (iv)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
13
Riskband (i)
Buy/SellSpreads (%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
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
60.28/0.28N/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 (iii)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 (iv)ETL0365AU
70.30/0.30N/A0.171.39Pengana Global Small Companies FundPCL0022AU
60.30/0.30N/A0.561.71Pengana International Fund – Ethical Opportunity (iv)HHA0002AU
60.30/0.30N/A0.401.35Pengana International Fund – Ethical (iv)HOW0002AU
Large Cap
60.20/0.20N/A0.060.85AB Global Equities FundACM0009AU
60.15/0.15N/ANil0.98Aberdeen Standard International Equity FundEQI0015AU
60.22/0.20N/A0.131.17AMP Capital Experts’ Choice International Shares FundHLR0006AU
60.25/0.25N/A0.591.14AMPCapital Responsible Investment Leaders InternationalShare FundAMP0455AU
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 Fund (AU)CIM0006AU
60.30/0.30N/ANil0.99CWorldWide Global Equity TrustARO0006AU
60.10/0.10N/ANil0.36Dimensional Global Core Equity Trust (iii)DFA0004AU
60.10/0.10N/ANil0.29Dimensional Global Large Company Trust (iii)DFA0105AU
60.10/0.10N/ANil0.46Dimensional Global Value Trust (iii)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
14
Riskband (i)
Buy/SellSpreads (%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
60.29/0.16N/ANil1.38IFP Global Franchise FundMAQ0404AU
60.20/0.20N/ANil1.04Ironbark Royal London Concentrated Global Share FundMGL0004AU
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
60.20/0.20N/A0.130.90Pendal Core Global Share Fund (iv)RFA0821AU
60.20/0.20N/A0.150.90Pendal International Share Fund (iv)BTA0056AU
60.54/NilN/A0.711.23Perpetual International Share Fund (W) (iv)PER0050AU
60.27/0.27N/A0.711.25Perpetual Wholesale Global Share FundPER0733AU
60.30/0.30N/A0.410.99Plato Global Shares Income A (v)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) (iv)RIM0008AU
60.15/0.10N/A0.160.40Schroder Global Core FundSCH0003AU
60.20/0.15N/A0.180.98Schroder Global Value FundSCH0030AU
60.12/0.12N/ANil0.98State Street Global Equity FundSST0050AU
60.15/0.15N/A0.061.01Stewart InvestorsWorldwide 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
15
Riskband (i)
Buy/SellSpreads (%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
Large Cap (Currency Hedged)
60.15/0.15N/ANil0.98AberdeenStandardActivelyHedged International EquitiesFundCRS0005AU
60.15/0.15N/A0.090.99Aberdeen Standard Fully Hedged International EquitiesFundCSA0135AU
60.21/0.16N/A0.361.28Arrowstreet Global Equity Fund (Hedged)MAQ0079AU
60.12/0.12N/ANil0.36Dimensional Global Core Equity Trust (Hedged) (iii)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 (iv)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
60.11/0.11N/A0.050.21Vanguard International Shares Index Fund (Hedged)VAN0105AU
60.19/0.14N/A0.111.28Walter Scott Global Equity Fund (Hedged)MAQ0557AU
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 (iv)ETL0032AU
70.30/0.300.010.511.20Antipodes Asia FundIOF0203AU
70.25/0.25N/ANil0.72Dimensional Emerging Markets Trust (iii)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 (iv)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 (iv)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
16
Riskband (i)
Buy/SellSpreads (%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
Specialist
60.30/0.300.020.261.20Antipodes Global FundIOF0045AU
70.25/0.253.670.312.70Colonial First State Acadian Geared Global Equity (W) (vii) (ix)FSF0891AU
60.15/0.15N/A0.362.62Colonial First State GenerationWholesale Global ShareFund (iv)FSF0908AU
60.25/0.25N/A0.211.18Colonial First State Global Resources Fund (W) (iv)FSF0038AU
60.25/0.25N/A0.431.12Ironbark Copper Rock Emerging Markets OpportunitiesFundMGL0019AU
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
Infrastructure
Diversified
60.05/0.05N/A0.092.22AMP Capital Core Infrastructure FundAMP1179AU
Global
60.25/0.25N/A0.240.81AMPCapitalGlobal Infrastructure Securities Fund (Hedged)AMP1595AU
60.25/0.25N/A0.200.81AMP Capital Global Infrastructure Securities Fund(Unhedged)AMP1593AU
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
60.15/0.15N/ANil0.52Vanguard Global Infrastructure Index Fund (Hedged)VAN0024AU
17
Riskband (i)
Buy/SellSpreads (%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
Alternatives
4NilN/A0.732.60Aspect Diversified Futures Fund – Class AFSF1086AU
40.03/0.030.160.181.03Auscap Long Short Australian Equities FundASX6124AU
60.20/0.200.080.712.36Bennelong Kardinia Absolute Return FundBFL0010AU
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 – ClassAGTU0109AU
4NilN/A0.201.88Ironbark GCM Global Macro FundDEU0109AU
4NilN/A0.343.69Ironbark LHP Diversified Investments Fund (iv)HFL0104AU
4NilN/A0.191.99MAN AHL Alpha FundMAN0002AU
6Nil/2.00N/ANil2.75Partners Group Global Value Fund (vii)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) Investors who have selected a Guarantee may select these funds.(iii) Available through Dimensional approved advisers only. Advisers can contact Dimensional on 02 8336 6556.(iv) This investment option is closed to new investors. Existing investors that hold the fund can continue to purchase additional units.(v) This investment option will distribute incomemonthly in cash. The investment option may also pay any realised capital gains and any other
distributable.(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) This asset 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 the North Super and Pension PDS – Part A or the North Investment IDPS Guide.
(viii) Not available to super or pension members.(ix) 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.(x) This fund has restrictions on the timing and the amount that can be redeemed when a withdrawal request is made. Please refer to the
underlying fund product disclosure statement for further details.(xi) This fund is not affiliated with the Advantage Range funds available for North.(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 redeemedwhen awithdrawal request is made. Please refer to the underlying
fund product disclosure statement for further details.
18
Managed funds – in specie only transfersIn specie transfers allow you to transfer managed funds held outside of North into your North account. The transfer of managedfunds into North is subject to agreement by the previous provider. You're permitted to transfer any existing holding of thesemanaged funds, but you're not entitled to purchase additional units. For more information on in specie transfers, please contactyour financial adviser.
Riskband (i)
Buy/SellSpreads(%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
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
30.21/0.77N/A0.190.74Russell II PortfolioRIM0023AU
30.13/0.12N/A0.192.08Russell II Portfolio – Class B UnitsRIM0026AU
Balanced
50.20/0.30N/A0.160.79Advance Balanced Multi Blend FundADV0050AU
50.15/0.15N/A0.020.51Colonial First State FirstChoice Multi-Index Balanced Fund –Class AFSF1416AU
50.18/0.18N/A0.050.96Maple-Brown Abbott Diversified Investment TrustMPL0001AU
50.29/Nil0.140.191.00Pendal Active Balanced FundRFA0815AU
50.21/0.49N/A0.120.87Russell Balanced FundRIM0001AU
40.21/0.61N/A0.110.80Russell Div 50 Fund – Class A UnitsRIM0003AU
50.21/0.49N/A0.150.85Russell IV PortfolioRIM0024AU
50.22/0.26N/A0.140.59Schroder Strategic Growth Fund - Professional Class (iv)SCH0010AU
Moderately Aggressive
60.24/0.24N/A0.150.98Advance High Growth Multi Balanced FundADV0087AU
50.18/0.16N/A0.100.94Russell Growth FundRIM0004AU
60.21/0.19N/A0.121.05Russell High Growth FundRIM0034AU
60.17/0.15N/A0.152.18Russell IV Portfolio – Class B UnitsRIM0027AU
60.21/0.36N/A0.150.91Russell V PortfolioRIM0025AU
50.18/0.16N/A0.152.24Russell V Portfolio – Class B UnitsRIM0028AU
Cash
Short Term Fixed Interest
40.02/0.05N/A0.020.30UBS Cash Plus FundSBC0812AU
Credit
Mortgages
4++++Australian Unity High Yield Mortgage TrustAUS0005AU
4++++Australian Unity Wholesale Mortgage Income TrustAUS0116AU
4++++OnePath Monthly Income Trust (iii)HML0002AU
19
Riskband (i)
Buy/SellSpreads(%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
4++++OnePath Mortgage Trust No 2MMF0006AU
Fixed Interest
Australian Fixed Interest
4++++Colonial FS (W) Income FundFSF0139AU
40.04/0.08N/A0.120.50Macquarie Master Fixed Interest FundMAQ0061AU
Global Fixed Interest
30.15/0.50N/A0.030.49UBS International Bond FundSBC0819AU
Property
Australian Property
73.00/0.501.320.621.05AUI Healthcare Property Trust W (iv)AUS0112AU
70.20/0.20N/A0.060.82Colonial Property Securities FundFSF0004AU
7++++PFA Diversified Property Trust (ii)PFA0001AU
Australian Equities
Income
60.20/0.20N/A0.140.96Colonial Wholesale Imputation FundFSF0003AU
Mid/Small/Micro Cap
60.18/0.18N/A0.120.96OnePath (W) Emerging Companies TrustMMF0112AU
60.30/0.30N/A0.142.12Pengana Emerging Companies FundPER0270AU
Large Cap
60.10/0.10+Nil0.80Aberdeen Standard Australian Equities FundMGL0114AU
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
Global Equities
Large Cap
60.20/0.20N/A0.221.00AMP Capital Global Equity Value Fund (W)NML0348AU
Specialist
6N/AN/A0.101.54MLC Platinum Global FundMLC0317AU
20
Riskband (i)
Buy/SellSpreads(%)
BorrowingCosts (%)
TransactionalandOperationalCosts (%)
ManagementCosts (%)
Fund nameAPIR code
Infrastructure
Global
7++++Macquarie Global Infrastructure Trust IIMAQ0353AU
Alternatives
1++++Man Investments OM-IP (iii)MAN0034CK
1++++Man Investments OM-IP 220 Ltd - Series 6 (iii)MAN0011CK
1++++Man Investments OM-IP 220 Ltd - Series 8 (iii)MAN0013CK
1++++Man Investments OM-IP 2AHL Ltd (iii)MAN0036CK
1++++Man Investments OM-IP Eclipse 2010 (iii)MAN0039CK
1++++Man Investments Series 4 OM-IP (iii)MAN0009CK
(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) This asset 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 the North Super and Pension PDS – Part A or the North Investment IDPS Guide.
(iv) Not available to super or pension members.(v) This fund is not affiliated with the Advantage Range funds available for North.+ 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.
21
Managed PortfoliosYou are able to invest in a diverse range of managed portfolios offered as part of the MyNorth Managed Portfolio product. Themanaged portfolios avialable 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 online 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(%)
TransactionalandOperationalCosts (%)
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
50.14/0.31N/A0.180.801.14Zenith Essentials 70% Growth PortfolioNTH0025
60.16/0.25N/A0.200.831.21Zenith Essentials 85% Growth PortfolioNTH0026
70.17/0.17N/A0.220.851.30Zenith Essentials 100% Growth PortfolioNTH0027
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
22
Riskband(i)
Buy/SellSpreads(%)
Borrow-ingCosts(%)
TransactionalandOperationalCosts (%)
ManagementCosts lessestimatedPerformanceFees (%)
ManagementCosts (%)
Fund nameCode
InvestSense Managed Portfolios
30.05/0.21N/A0.080.660.68InvestSense Diversified Portfolio 2NTH0049
40.07/0.20N/A0.080.710.75InvestSense Diversified Portfolio 3NTH0050
50.10/0.17N/A0.070.740.80InvestSense Diversified Portfolio 4NTH0051
60.11/0.15N/A0.070.770.84InvestSense Diversified Portfolio 5NTH0052
(i) For information on the Standard Risk Measure, refer to the Standard Risk Measure section further in this document.
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 the North Super and Pension PDS – Part A or North Investment IDPS Guide for further details.
Listed securities are not currently available on accounts with a Guarantee.
23
ETFs & ETCsThe following exchange traded products are available to North 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
6NilNil0.540.76BetaShares 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
6NilNilNil0.50SPDR S&P/ASX Small Ordinaries FundSSO
6Nil0.030.040.35VanEck Vectors Australian Equal Weight ETFMVW
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
6-Nil0.010.40SPDR 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
6-Nil0.050.54BetaShares Managed Risk Global Share FundWRLD
6NilNil0.090.75BetaShares S&P 500 Yield Maximiser FundUMAX
6-Nil0.020.35ETFS Euro Stoxx 50 ETFESTX
6-Nil0.030.50iShares Asia 50 ETFIAA
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
24
Riskband (i)
Buy/SellSpreads(%)
BorrowingCosts (%)
Transactionaland
OperationalCosts (%)
ManagementCosts (%)
NameASX code
6-Nil0.050.43iShares Global 100 AUD Hedged ETFIHOO
6-Nil0.010.32iShares 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
6NilNil0.031.49Magellan 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
6-NilNil0.11Vanguard All-World EX US Shares IndexVEU
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
6Nil0.030.140.52VanEck Vectors FTSE Global Infrastructure (Hedged) ETFIFRA
6-Nil0.030.53VanEck Vectors Gold Miners ETFGDX
Strategy Focussed
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
25
Riskband (i)
Buy/SellSpreads(%)
BorrowingCosts (%)
Transactionaland
OperationalCosts (%)
ManagementCosts (%)
NameASX code
6-Nil0.040.25Vanguard Australian Shares High Yield ETFVHY
Cash & Fixed Income Exposure
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-NilNil0.20iShares UBS Composite Bond ETFIAF
4-NilNil0.26iShares 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
Commodity Exposure
7NilNil0.011.29BetaShares Crude Oil Index ETF - Currency Hedged (Synthetic)OOO
7-NilNil0.40ETFS Physical GoldGOLD
7-NilNil0.49ETFS Physical SilverETPMAG
Diversified
60.25/0.25Nil0.130.90Schroder Real Return FundGROW
(i) For information on the Standard Risk Measure, refer to the Standard Risk Measure section further in this document.
26
LICs & LITsThe following LICs and LITs are available to North Super andPension members.
Please note: There may be underlying fees and costs for LICsand LITs under new enhanced fee and cost disclosurerequirements. However, these have not been provided at thetime of publishing this document.
Riskband (i)
NameASX code
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
Riskband (i)
NameASX code
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.
27
Fixed interest securitiesThe following assets are available to North Super and Pensionmembers. You will be able to invest in other fixed interestsecurities that meet the Trustee’s eligibility criteria, as notifiedby us to you.
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
Exchange Traded BondsThe following Exchange Traded Bonds (XTBs) are currentlyavailable to North 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
AUST&NZ BANKINGGROUPANZ 3.25% 03/06/2020YTMANZ
DOWNER GROUP FINANCEPTYDOW 4.50% 11/03/2022YTMDO1
LENDLEASE FIN LTDLLC 6.00% 13/05/2020YTMLL1
MIRVACGROUPFINANCELTDMGR 5.75% 18/09/2020YTMMGR
NATIONAL AUSTRALIA BANKNAB 4.00% 16/12/2021YTMNA1
NATIONAL AUSTRALIA BANKNAB FRN 3/06/2020YTMF10
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
28
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 descriptorsEach managed fund listed in the North Investment Optionsdocument has been assigned a 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).
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 each year.
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 investment optionsdocument for theNorth PersonalSuperannuation and Pension Fund (‘the Fund’, also known as‘North Personal Super’ and ‘North Personal Pension’ or ‘WealthPersonal Superannuation and Pension Fund’ ABN 92 381 911598) and shouldbe considered togetherwith the currentNorthSuper and Pension 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 directedportfolio service (IDPS) knownasNorthInvestment. 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. The fund managers of those managed fundinvestmentoptions, their respectiveofficers, holding companiesand trustees donot guarantee the capital investedbymembersof North Personal Super, North Personal Pension and NorthInvestment IDPS investors or the performance of the plans andinvestment 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.
29
This publication has been prepared to provide generalinformationonly anddoesnot take intoaccount the investmentobjectives, financial situation or particular needs of anyparticular 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 information about the North products is contained inthe PDS and IDPS Guide.
Applications for investment in North products will only beaccepted via northonline.com.au. Copies of the PDS and IDPSGuide are available on northonline.com.auor 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 North will purchase on your instruction. TheAPIR code canassist you in obtaining the PDS for theunderlyinginvestment and comparing with other investment menus.
Fund manager paymentsNMMTmay receive payments of up to 0.55% from fundmanagers foramounts invested inparticular investmentoptionsmade available in this document (fund manager payments).
The fund manager payment received is based on amountsinvested with the fund manager and the management costsof these investments.
These payments, and the method of calculation, may changefrom time to time and are not an additional cost to you.
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 latest management costs set outin 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.
Wemaintain 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 theNorth Super and PensionPDS – Part A or the North IDPS guide and FSG for furtherinformation.
Note: A current copy of this document is available free ofcharge on North’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 PDS for the managed fundinvestment options you have selected by accessing the Northwebsite 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 of North Investment: 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
northonline.com.auwebnorth@amp.com.auemailNorth Service CentreGPO Box 2915MELBOURNE VIC 3001
2279
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