Benefits of investing in the Trust

An investment in the Trust offers investors a range of key benefits:

• The Trust provides diversified exposure to the global bond market.

• The investment strategy is grounded in rigorous academic research.

• The investment strategy will provide exposure to a professionally managed portfolio of securities.

• The investment strategy is diversified to manage risk. Diversification also provides flexibility, which in turn allows for more efficient implementation of the portfolio.

• Dimensional seeks to keep costs low by paying close attention to costs, including both management and implementation costs.

• Direct investors receive regular investment statements and an annual tax statement to keep you up-to-date on your investment.

Risk level

Medium

The likelihood of the capital value of your investment going down over the short term is relatively low compared to funds investing in higher-risk assets such as equities.

Investor suitability

The Trust may suit those investors seeking a liquid, diversified portfolio that provides exposure to the returns of global fixed interest securities.

Fund overview and significant features

The Trust is managed to invest in a broadly diversified portfolio of eligible intermediate term domestic and global fixed interest and money market securities. Within portfolio constraints, including controls on portfolio maturity, security maturity, credit quality and diversification, the objective of the Trust is to maximise the return of the portfolio. The Trust is not managed with the objective of achieving a particular return relative to a benchmark index. However, to compare the performance of the Trust with a broad measure of market performance, reference may be made to the Bloomberg Barclays Global Aggregate Bond Index hedged to the Australian dollar (for AUD class units), or to the New Zealand dollar (for NZD class units). Investors should note that the index is referred to for comparison purposes only. The performance of the Trust may differ significantly from the index.

Ordinarily, the Trust will invest in securities with a maximum maturity of 15 years from the date of settlement. The Trust aims to hedge all foreign currency exposure to the Australian dollar (for the AUD class units) or the New Zealand dollar (for the NZD class units) (see section 5 of the PDS for details).

Description of Trust

Dimensional's fixed interest portfolios are based on dimensions of expected return that have been identified by academic research.

Relative performance in fixed interest is largely driven by two dimensions: bond maturity and credit quality. Bonds that mature further in the future are subject to higher risk of unexpected changes in interest rates. Bonds with lower credit quality are subject to higher risk of default. Extending bond maturities and reducing credit quality increases potential returns.

The Trust may lend securities for the purpose of generating additional income. The Trust may gain some or all of its market exposure by investing in other funds managed by Dimensional or its affiliates (including other Dimensional Wholesale Trusts).

Members of the Dimensional Group will generally undertake the day-to-day trading of the securities, and may also make investment decisions, in their respective geographic regions under delegated authority from Dimensional.

About Dimensional

Dimensional is a leading global investment firm that has been translating academic research into practical investment solutions since 1981.

Guided by a strong belief in markets, Dimensional offers strategies that focus on the drivers of expected returns. The firm applies a dynamic implementation process that integrates advanced research, methodical portfolio design, and careful execution, while balancing risks, costs, and other tradeoffs that may impact performance. This approach is applied across a full suite of investment strategies to help meet the needs of investors worldwide.

How we invest your money

Ordinarily, the Trust invests in a diverse portfolio of Investment Grade corporate and government fixed interest securities, with a maximum maturity of 15 years from the date of settlement.

Dimensional generally changes the portfolio's exposure to term and credit premiums in response to changes in security prices, while keeping the portfolio's overall maturity similar to the overall maturity of the global bond market. Subject to this and other portfolio constraints, Dimensional seeks to target those eligible markets, and securities within those markets, with higher expected returns considering the dimensions described above. Dimensional may also consider additional factors when determining term and credit exposures.

Strategic asset allocation

Under normal circumstances, the Trust will invest in accordance with the following target allocation range*:

• Fixed interest 100%

*The Trust is expected to be fully invested. A portion of the portfolio may be allocated to cash for liquidity purposes. Please refer to the Additional Information Guide for further information.