Benefits of investing in the IOOF MultiMix Cash Enhanced Trust

There are a number of significant benefits of investing in the MultiMix Trusts. These include:

Access to investment opportunities

Investing in a Trust means your money is pooled with that of other investors. This provides the Trust with the investment buying power not often available to you as an individual investor with smaller amounts to invest. This means you can gain access to investment markets and risk management techniques that would not normally be accessible to individual retail investors.

Management expertise

IIML utilises a specialised management approach to manage the investments of the Trusts on your behalf. This includes the analysis, monitoring and management of the Trusts' underlying investment managers and assets, and making investment decisions in response to market conditions in line with the Trusts' strategy, with the aim of achieving more consistent and competitive returns.

Additional diversification

Investing in a MultiMix Trust offers you additional levels of diversification by providing exposure to a variety of investment managers, and investment styles within each single Trust.

Income distributions (if any)

Investing in a Trust means you may benefit from regular income distributions derived from your investments in that Trust (for more information, please refer to page 26 of the product PDS).

You may also have the opportunity to reinvest any income distributions received from the Trust back into your account without incurring a buy-spread.

Capital gains (or losses) on disposal of investments

You may have the benefit of capital gains (or losses) when you dispose of your investments, for example, by exiting a Trust or by selling your investments.

Simple transaction process

Investing in a Trust allows you to apply for additional investments or withdrawals at any time (subject to the minimum investment, holding and withdrawal limits, please refer to pages 24 and 25 of the product PDS).

Easy access to your information

For the latest available information on the MultiMix Trusts, you can visit the IOOF website www.ioof.com.au, contact our Client Services Team on 1800 002 217 (+613 8614 4400 if calling from New Zealand), email us at clientservices@ioof.com.au or speak to your financial adviser.

Risk level

Low

Investor suitability

The Trust may be suitable for investors:

• with a short-term investment horizon of 1 year

• with a low level of risk tolerance

• who are seeking returns from income-generating assets with low volatility.

About the Fund

Sector trusts - allow you to customise your own portfolio.

• Each sector trust provides access to investments of a specific asset class through a range of professionally selected investment managers.

• These trusts are useful for investors or advisers who wish to build their own investment portfolios by blending a variety of individual multi-manager sector trusts, or to complement and diversify their existing investments by combining with other single manager options to create a tailored portfolio to suit your investment objectives.

Investment objective

To provide stable returns with low risk over the short term, by investing in a range of cash and short term securities, and to achieve a total return after fees in excess of the Bloomberg AusBond Bank Bill Index over a rolling one year period.

How we invest your money

Investment strategy

The Trust generally gains its investment exposure by investing in a portfolio of domestic cash investment managers.

The Trust is designed to provide investors with returns higher than a fund invested purely in cash, and in excess of the Bloomberg AusBond Bank Bill Index.

The Trust aims to be fully invested with exposure to cash and short-term securities at all times.

The underlying investments of the Trust may comprise of bank bills and other short-term money market securities, such as short-term loans to banks, corporates and Australian governments, which are considered to be secure investments.

Target asset allocation and asset ranges

(Asset class: Asset range / Target allocation)

• Cash and short-term securities: 0%-100% / 100%