Benefits of investing in the Russell Investments GSS Active 30/70 Fund

Access to professional investment managers

By investing through one or more Underlying Funds, the Fund gives you the benefit of access to the professional investment managers who operate those Underlying Funds.

Pooling of investors' funds

By pooling the investments of many investors, investments can often be made for less cost than would apply to individual investors and investment and risk management techniques not usually available to retail investors can often be used.

A simple way of investing and switching your investment

The Fund provides a simple way of investing through your platform account and allows you to withdraw your investment when you wish to. Generally, by giving us directions through your platform account, you can withdraw your investment in the Fund at any time, as described in section 2 of the PDS. You can also give us directions to switch your investment to other funds available through your platform account if you decide you wish to change your investment in the future (see section 5 of the PDS).

Online information about your investment

As an investor in the Fund, you have online access to obtain information about the investment.

Suits investors with an invetsment time horizon of atleast 3 years, seeking potential stable income and capital growth across multiple asset classes, startegies and managers.

About the Fund

The Fund invests in a mix of assets across various traditional and alternative asset classes via investment in one or more Underlying Funds, with a neutral exposure of 30% to growth assets such as shares, property and alternative investments and 70% exposure to defensive assets such as cash and fixed interest. Asset class exposures are actively managed as the managers of the Underlying Funds seek to protect against risk or benefit from investment opportunities. The Fund seeks exposure to a range of investment managers through the Underlying Funds. Underlying Funds may invest in other managed funds, direct securities, exchange traded funds, foreign exchange contracts and/or derivatives.

How we invest your money

Currently the Fund is invested in the Russell Investments Conservative Fund (ARSN 094 799 578) managed by Russell Investment Management Ltd ABN 53 068 338 974. Russell Investment Management Ltd has given and has not withdrawn before the preparation date of this PDS, its written consent to be named in the PDS as the manager of Russell Investments Conservative Fund in the form and context in which it appears in the PDS.

Asset allocation ranges

• Australian shares: 0%-25%

• International shares: 0%-25%

• Global property: 0-20%

• Cash and fixed interest: 30%-90%

• Alternative investments: 0%-25%

Asset class exposures are actively managed within the strategic asset allocation ranges, with a neutral exposure of 30% to growth assets and 70% exposure to defensive assets. The allocation between growth and defensive assets and the allocation between asset classes within both the growth and defensive asset groups is expected to vary considerably from the neutral position. It is therefore possible that at times the allocation between growth and defensive asset groups may be substantially different from 30%/70%.