The option’s strategy is to favour companies with sustainable competitive advantages, strong financials, quality management and predictable earnings. 

To provide long-term capital growth by investing predominantly in small Australian companies. The option aims to outperform the Benchmark over rolling three year periods before fees and taxes.

FirstChoice Wholesale is designed to help you achieve your super and retirement goals. FirstChoice Wholesale provides you with exceptional value, service and choice.

Value

We are committed to providing you with a competitively priced product that gives you value for money. We seek to provide a great platform for a competitive price.

Service

Our brand is synonymous with service excellence. You will receive fast and personal service.

Product options

Depending on your lifestage, you can choose to have a superannuation account, pre-retirement pension (commonly referred to as a transition to retirement pension), or account based pension. Refer to section 3 – About super and pensions, for more information.

Investment options

You can access more than 140 investment options from over 70 well-respected Australian and international investment managers (except for pre-retirement pension members who have access to a limited investment menu of 113 investment options).

Personal customer service every time

We understand that our success depends on our ability to provide you with great service – every time. We have some of the most dedicated and highly trained people in the market, and we constantly aim for exceptional service.

About First Sentier Investments

First Sentier Investors is a global asset management group focused on providing high quality, long term investment capabilities to clients. It brings together teams of specialist investment managers who share its common commitment to responsible investment principles. First Sentier Investors is a stand-alone asset management business and also home to a number of individually branded investment teams, such as Stewart Investors, FSSA Investment Managers and Realindex. All investment teams operate with discrete investment autonomy, according to their investment philosophies. Together, the group offers a comprehensive suite of investment capabilities across global and regional equities, cash and fixed income, infrastructure and multi-asset solutions, all with a shared purpose to deliver sustainable investment success. First Sentier Investors has been managing money with a long-term outlook for more than 30 years and today manages more than A$240 billion (as at 30 June 2021) of assets on behalf of institutional investors, pension funds, wholesale distributors and platforms, financial advisers and their clients.

First Sentier Investors is ultimately owned by MUFG, one of the world’s largest financial services companies

This product is targeted at the following class of customer:

Invest in Australian Share - small companies  - Generally, to earn returns that exceed the S&P/ASX Small Ordinaries Accumulation Index through investing predominantly in Australian small companies.

How your FirstChoice Wholesale Personal Super account works

FirstChoice Wholesale Personal Super is an accumulation super fund. This means that each member has an account balance with money flowing in and out of the account.

When a contribution is made to your account, the contribution is used to purchase units in your chosen option. For example, if you make a contribution of $100 and the entry unit price for your chosen option is $1.00, then you will receive 100 units.

The value of your units may fluctuate due to the receipt of investment income and/or changes in the value of the underlying assets held in each option (except for FirstRate products, where the number of units changes as a result of the payment of interest). The unit price you receive may also be affected by other factors such as the payment of tax and other fund costs from the assets of the fund. Other costs that relate specifically to you, such as the payment of insurance premiums or adviser service fees, may also be deducted from your account via the withdrawal of units. This means that your account balance can fluctuate on a daily basis depending on market movements, the costs of running the fund and any expenses that relate specifically to your account.

How your FirstChoice pension account works

When you commence your pension, you are issued units in the investment option(s) you select. The value of units fluctuates as a result of changes in the value of the underlying assets or as a result of costs reflected in the unit price (except for the FirstRate Wholesale options, which are deposits with the Bank and the value changes as a result of the payment of interest). This means that your account balance can fluctuate on a daily basis depending on the value of the units which you hold in your account.

The unit price you receive is the unit price which applies on the day we receive a completed request, provided the request is received before 3pm, Sydney time, on any NSW business day.

How we invest your money

Investment strategy

The option's strategy is to favour companies with sustainable competitive advantages, strong financials, quality management and predictable earnings. By investing in these companies, the option aims to deliver superior returns over the long term. The option predominantly invests in Australian companies and therefore does not hedge currency risk.

Investment ranges

(Asset class: Range / Benchmark)

• Australian shares: 90%-100% / 100%

• Cash: 0%-10% / 0%