ANZ OneAnswer Investment Funds Guide

OneAnswer Investment Funds Guide 27 February 2012 Investment Portfolio The whole of this OneAnswer Investment Funds Guide forms Part Two of the Product Disclosure Statement (PDS) for: • OneAnswer Frontier Investment Portfolio Statement (PDS) dated 27 February 2012 for OneAnswer Personal Super and Pension. Its purpose is to give you more information and/or specific terms and conditions referred to in the PDS. You should consider all that information before making a decision to invest. • OneAnswer Investment Portfolio The Important Information document contained within this • OneAnswer Investment Portfolio //Select*. * Only applicable for OneAnswer Investment Portfolio //Select investors who joined prior to 15 November 2010. No new investors are being accepted into OneAnswer Investment Portfolio //Select. Before making an investment decision, you should read this Investment Funds Guide carefully together with the following books: For OneAnswer Frontier Investment Portfolio: • OneAnswer Frontier Investment Portfolio – Product Book (Part One) For OneAnswer Investment Portfolio: • OneAnswer Investment Portfolio – Product Book (Part One) For OneAnswer Investment Portfolio //Select: • OneAnswer Investment Portfolio – Product Book (Part One). • OneAnswer Investment Portfolio // Select – Fees and Charges Guide (Part Three). If you have not received all relevant parts of the PDS, please contact Customer Services. Additional information can also be found in the incorporated material which is comprised of the OneAnswer Investment Portfolio Additional Information Guide. The incorporated material is available by contacting your financial adviser, visiting our website at onepath.com.au > Forms & brochures or free of charge by contacting Customer Services. You should read all parts of the PDS and the incorporated material in its entirety before making a decision to invest. Personal Super and Pension This OneAnswer Investment Funds Guide consists of two documents: 1. the Important Information document, and 2. the Incorporation By Reference document (the IBR Document). Each of these documents applies to the following OneAnswer Personal Super and Pension products: Investment Funds Guide does not form part of the PDS. Its purpose is to provide you with additional information in relation to OneAnswer Personal Super and Pension. You can access a copy of the PDS, this Investment Funds Guide and any matter that is applied, adopted or incorporated in the PDS from our website at onepath.com.au > Forms & brochures or you can request a copy of this information free of charge by contacting Customer Services. Important notes References to ‘OneAnswer’ relate to OneAnswer Investment Portfolio, OneAnswer Personal Super, OneAnswer Pension, OneAnswer Investment Portfolio //Select, OneAnswer Frontier Investment Portfolio, OneAnswer Frontier Personal Super, OneAnswer Frontier Pension, ANZ OneAnswer Investment Portfolio, ANZ OneAnswer Personal Super and ANZ OneAnswer Pension. OnePath Funds Management Limited (ABN 21 003 002 800, AFSL 238342) (OnePath Funds Management) is the issuer of OneAnswer Investment Portfolio, OneAnswer Investment Portfolio //Select, OneAnswer Frontier Investment Portfolio and ANZ OneAnswer Investment Portfolio. OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346, RSE L0000673) (OnePath Custodians) is the issuer of OneAnswer Personal Super and Pension, OneAnswer Frontier Personal Super and Pension and ANZ OneAnswer Personal Super and Pension. In this Investment Funds Guide, the terms ‘us’, ‘we’ and ‘our’ when used in relation to a OneAnswer product, refer to the issuer of that particular product, which is either OnePath Funds Management or OnePath Custodians as the context requires. Each issuer has prepared and is responsible for the contents of this Investment Funds Guide. The information provided in this OneAnswer Investment Funds Guide is general information only and does not take into account your objectives, financial situation or needs. You should obtain financial advice tailored to your personal circumstances. • OneAnswer Frontier Personal Super • OneAnswer Frontier Pension • OneAnswer Personal Super Each external fund manager has provided its consent to statements relating to them being included in this Investment Funds Guide in the form and context in which it is included. No consents have • OneAnswer Pension. The information in the IBR Document contained within this Investment Funds Guide forms part of the Product Disclosure been withdrawn at the time of preparation of this Investment Funds Guide. 2 OneAnswer Investment Portfolio – This OneAnswer Investment Funds Guide (comprising the information under the sections titled ‘Important Information’ and ‘How we invest your money’) forms Part Two of the Product Disclosure Statement dated 27 February 2012. OneAnswer Personal Super and Pension – There are two sections in this OneAnswer Investment Funds Guide: • The first section titled ‘Important information’ represents the Important Information document and provides additional information that does not form part of the Product Disclosure Statement dated 27 February 2012. • The second section titled ‘How we invest your money’ is the Incorporation By Reference document (the IBR Document) and forms part of the Product Disclosure Statement dated 27 February 2012. Contents Important information Page What are my investment risks? 6 How we invest your money Page What are my investment choices? 12 Your guide to the investment profiles 15 How to read an investment profile 16 Multi-manager investment funds 18 Profile 1 – Defensive 22 Profile 2 – Conservative 23 Profile 3 – Moderate 26 Profile 4 – Growth 27 Profile 5 – High growth 29 Single manager investment funds 34 Profile 1 – Defensive 40 Profile 2 – Conservative 46 Profile 3 – Moderate 50 Profile 4 – Growth 52 Profile 5 – High growth 56 MoneyForLife investment funds 80 Profile 2 – Conservative 80 Profile 3 – Moderate 81 Other information 82 What investment funds are offered through OneAnswer? 91 3 This page has been left blank intentionally 4 Important information Investment Portfolio – The ‘Important information’ section forms Part Two of the Product Disclosure Statement dated 27 February 2012. Personal Super and Pension – The ‘Important information’ section provides additional information and does not form part of the Product Disclosure Statement dated 27 February 2012. 5 ... - tailieumienphi.vn