Benefits of investing in the IOOF MultiMix Diversified Fixed Interest 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 to Medium

Investor suitability

The Trust may be suitable for investors:

• with an investment horizon of 2 to 3 years

• with a low to medium level of risk tolerance

• who are predominantly seeking income-generated returns through a well-diversified fixed interest portfolio.

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 a low to medium risk, income producing investment over the medium term by investing in a diversified portfolio of fixed interest investments, and to achieve a total return after fees in excess of the Trust's benchmark over a rolling three year period.

How we invest your money

Investment strategy

The Trust generally gains its investment exposure by investing in a well-diversified portfolio of Australian and international fixed interest managers.

The underlying fixed interest investments include a range of international and domestic government bonds, corporate debt and asset-backed securities.

The Trust can also invest in cash, although the cash exposure cannot exceed 25% for any length of time.

The Trust is authorised to utilise approved derivative instruments subject to the specific restriction that derivative instruments cannot be used to gear the portfolio exposure.

The underlying investment managers may utilise strategies for managing currency exposure. The Trust's overall international fixed interest exposure is generally hedged. The Trust has the capacity to apply a currency overlay to manage the Trust's currency risk.

Target asset allocation and asset ranges

(Asset class: Asset range / Target allocation)

• Australian fixed interest: 25%-75% / 50%

• International fixed interest: 25%-75% / 50%

• Cash and short-term securities: 0%-25% / 0%