Benefits of investing in the IOOF MultiMix Capital Stable 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 an investment time frame of 1 to 3 years

• with a low risk tolerance

• who are seeking a risk-averse portfolio of predominantly income-producing assets.

About the Fund

Diversified trusts - provide an all-in-one portfolio solution.

With the MultiMix diversified trusts, you cover your entire portfolio diversification needs within a single investment option.

Each diversified trust provides access to a blend of different asset classes through a combination of professionally selected quality investment managers. The mix and weighting to particular asset classes are determined by our investment professionals and will vary depending on the particular trust's respective risk and return objectives.

With five multi-sector options to choose from to suit your individual risk appetite and investment timeframes, the MultiMix diversified trusts provide a complete portfolio solution by offering peace of mind in having your portfolio regularly monitored, with rebalancing of assets and manager weightings where appropriate.

Investment objective

To provide a low risk investment over the short term to medium term by investing predominantly in defensive assets, 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 exposure to a diversified portfolio of investments through a mix of investment managers.

The risk-averse nature of the Trust means it provides greater exposure to defensive income-bearing assets, such as cash, fixed interest and alternative - defensive. It may also hold a small exposure to growth assets such as Australian and international property and shares.

The Trust is authorised to utilise approved derivative instruments for risk management purposes subject to the specific restriction that the derivative instruments cannot be used to gear portfolio exposure (see page 14 for further information on derivatives).

The underlying investment managers may utilise strategies for the management of currency exposure. The level of currency hedging used for the Trust will vary from time to time. 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)

• Cash and short-term securities: 20%-45% / 32%

• Diversified fixed interest: 30%-55% / 42%

• Alternative - defensive: 0%-20% / 6%

• Property*: 0%-20% / 8%

• Australian shares: 0%-20% / 9%

• International shares: 0%-25% / 11%

• Alternative - growth: 0%-15% / 2%

*Property asset sector may include exposure to Australian direct property and Australian and international property securities.