Benefits of investing in the OnePath Diversified Credit Trust - Wholesale Units

The Trust, which is part of the OnePath Wholesale range of trusts, offers you a range of benefits and features including:

Potential for capital growth and income to help you meet your investment needs.

Investor flexibility as the Trust is open to both direct investors and indirect investors who wish to invest in the Trust via a master trust or a wrap service.

In addition, if you are a direct investor, the Trust offers the following benefits and features:

Online education through online material providing information on performance history, asset allocations, unit prices, market commentaries and updates as well as access to the necessary brochures and forms.

Ability to keep track of investments through:

• `Account Access', our secure and easy to use online service available at onepath.com.au, which allows you to view account balances, recent transactions and transaction statements and update your personal details

• regular transaction statements detailing your applications, withdrawals, opening and closing balances (including unit prices)

• personalised annual taxation statements, providing all the relevant information required to complete your tax return including details of withdrawals
• for the latest available information on the Trust, you can contact Customer Services, visit our website at onepath.com.au, speak to your financial adviser or email us. If you are an indirect investor, you should contact your financial adviser or Service Operator.

The Trust is suitable for investors seeking medium-term returns through investing in a diversified mix of income producing asset classes with a bias towards defensive assets.

About the Fund

The Trust invests in a diversified mix of income producing assets. In order to gain exposure to the investment markets, the Trust may invest directly or indirectly via other unlisted trusts.

The investment process

Designed to leverage the considerable expertise of the Manager and gives them the flexibility to actively allocate the Trust’s assets geographically and across the credit ratings spectrum. 

The Fund Managers investment strategy emphasises active decision making with a long-term focus, constructing and maintain a well-diversified portfolio that aims to offer the best risk adjusted returns within the Fund’s framework. The Trust concentrates on two sources of return when assessing potential investments:

1. sector allocation and rotation
2. `bottom up' credit analysis of individual bonds and issuers.

To the extent that the Trust holds fixed interest rate securities, the Manager will use interest rate derivatives to hedge the Trust’s interest rate risk to a modified duration range of 0 to 3 years.

Derivatives

The Trust may invest in derivatives, including futures, options, warrants and swaps to gain exposure to investment markets and to manage risks associated with market price, interest rate and currency fluctuations. Derivatives may also be used to hedge currency exposure associated with international investments. 

Labour standards and environmental, social and ethical (ESG) considerations

We undertake a formal assessment of each underlying investment manager’s approach to the integration of ESG matters when assessing, selecting and monitoring investment manager(s) and actively encourage these manager(s) to employ and enhance, 
where appropriate, their ESG integration practices.

How we invest your money

The Trust invests predominantly in a diversified mix of Australian and international credit. The Trust is actively managed using disciplined investment processes.

Asset allocation

(Asset: Benchmark / Range)

• Australian Fixed Intrest and Cash: 100% / 50-100%

• International Fixed Intrest:  0% / 0-50%