Benefits of investing in FirstChoice Wholesale

FirstChoice Wholesale is designed to help you achieve your investment goals and provides access to a wide range of managed funds from some of the world's most respected investment managers. FirstChoice Wholesale provides you with exceptional value, service and choice.

Value

FirstChoice Wholesale is a leader in providing value for money. We provide what you want - a great platform at a competitive price.

Service

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

Choice

Over 180 investment options and over 70 investment managers give you real choice and diversity, across specialist boutiques and leading brands.

Investment options

With FirstChoice Wholesale, you can access a vast range of investment opportunities from well-respected Australian and international investment managers, including specialist boutique investment managers, across different asset classes such as shares, fixed interest, property and cash, all in the one place.

More than 180 ways to achieve your specific investment goals

FirstChoice Wholesale has more than 180 investment options across different asset classes and investment managers so that you can tailor an investment portfolio to meet your needs.

You can choose from:

• multi-manager portfolios which are pre-mixed for you, and/or

• single manager options allowing you to tailor-make your portfolio. a range of FirstChoice Managed Accounts within our FirstChoice Managed Accounts service, if you have an adviser.

• FirstChoice Managed Accounts are tailored investment portfolios managed by us in consultation with your adviser's dealer group, licensee or an appointed investment manager. Once you select to invest in a FirstChoice Managed Account, your portfolio will be regularly reviewed for you. For more details, you should consult with your financial adviser or refer to the FirstChoice Managed Accounts reference guide.

Pre-retirement pension members have access to a limited investment menu of 65 investment options.

You can choose one option or a combination of different options. You can transfer your money into other options at any time.

When you are invested in FirstChoice Wholesale, your money is combined with other investors' money in FirstChoice Wholesale. Each FirstChoice Wholesale option is a separate option within this superannuation fund.

Each option invests in an underlying pool' which is managed according to the option's objectives.

Each option has a different level of risk and potential level of returns.

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.

No waiting for reports and statements

Instead of you waiting weeks for annual reports and tax statements, FirstChoice Wholesale provides you with consolidated reporting at least twice a year, which will give you a complete picture of all your investments and a summary of all your transactions.

FirstNet makes it easy

You can also access up-to-date information on your investments at any time via our secure internet site, FirstNet. FirstNet e-Post is the fast and secure way to submit original forms and requests via FirstNet, our secure online service. You no longer need to post the originals, saving you time and effort. You will receive an instant email confirmation when you submit your request and a reference number. You must only submit original forms.

Receive informative material

As an investor in FirstChoice Wholesale, you can look forward to receiving:

• iQ magazine
• regular statements
• confirmation letters.

Risk level

Very High

This product is likely to be appropriate for a consumer seeking capital growth for a satellite/small allocation investment within a portfolio 
where the consumer has a long investment timeframe, has a high to very high risk/return profile and requires the ability to have daily 
access to capital.

A pension is a regular income stream achieved by drawing
upon your superannuation once you have reached 
preservation age for pre-retirement pensions or met a
relevant condition of release for account based pensions. 
FirstChoice Wholesale Pension offers the payment of the 
following types of pensions:
• a pre-retirement pension
• an account based pension.
Depending on your personal circumstances, a pension may
be a tax-effective way of receiving income. Investment
earnings of account based pensions are not subject to tax.
For pre-retirement pensions, a maximum of 15% tax on the
investment earnings is applicable.1 If you commence a pension 
before you reach age 60, tax may be withheld from your
pension payment amounts. Please refer to section 6 ‘Taxation’
for more information about the tax treatment of pensions.
Your regular income is based on a percentage of your
account balance as at 1 July each year. In the first financial
year that you commence your pension, a percentage of your
account balance as at the commencement date of your 
pension is used instead. 
The pension ceases to be paid to you when your account
balance is reduced to zero.2
You should speak with your financial adviser about whether
a pension account may be appropriate for your individual 
objectives, financial situation and needs

How we invest your money

Investment strategy

The option predominantly invests in a portfolio of listed mid and small-cap Australian equities in the S&P/ASX 300 Index, but generally excludes securities from the S&P/ASX 50 Index. The option seeks to identify earnings and earnings revisions at an early stage, and hence to pre-empt stock price movements. The manager also seeks to position the portfolio towards those sectors and stocks which it believes will experience positive earnings revisions and away from those it believes will suffer negative revisions. At any time, the portfolio will be tilted toward stocks which afford the most compelling opportunities for appreciation over the coming 12 months.

Investment ranges

(Asset class: Range / Benchmark)

• Australian shares: 90%-100% / 100%

• Cash: 0%-10% / 0%