To maximise capital growth over the 
long term with a reduced emphasis on 
the level of income, utilising a diversified 
portfolio with a slightly higher weighting to 
growth asset classes such as Australian and 
international shares

Benefits of investing in the Profile range of products

There are a number of significant benefits of investing in the Profile managed investment schemes. These include:

Access to investment opportunities

• Investing in a Profile scheme means your money is pooled with that of other investors. This provides the scheme with the investment buying power not often available to you as an individual investor, with smaller amounts to invest.

Management expertise

• Our specialist investment team is well experienced in managing funds and consists of experienced investment and research professionals that undertake the analysis, selection and monitoring of the investment managers who will manage the assets of each scheme.

Income distributions (if any)

• Investing in a Profile scheme means you may benefit from regular income distributions derived from your investments in the scheme (for more information, please refer to page 19 of the PDS). You may also have the opportunity to reinvest any income distributions received from the scheme back into your investment account without incurring a buy-spread.

Simple transaction process

• Investing in a scheme allows you to apply for additional investments or withdrawals at any time (please refer to the offer document of the IDPS or master trust for further information).

Easy access to your information

• You can obtain up-to-date information about the Profile schemes by visiting the IOOF website at www.ioof.com.au, contacting Investor Services on 1800 002 217, emailing us at investorservicesemails@ioof.com.au or speak to your financial adviser.

About the Fund

The Profile schemes are managed by IOOF QuantPlus to deliver solid consistent returns through efficient exposure to a highly diversified portfolio of assets. Simply put, proven investment managers and risk management techniques are employed  to deliver a well-diversified portfolio whilst considering the optimal risk and return outcome.

Profile diversified schemes

The Profile range offers a suite of diversified managed investment schemes which comprise the following:

• Profile 45

• Profile 55

• Profile 65

• Profile 75

• Profile 85

• Profile 95

These schemes are built to capture varying levels of return and risk. They provide exposure to different proportions of cash, fixed interest and shares to meet the differing growth and income needs of investors.

Profile asset class schemes

Investors can also construct individual portfolios from the following range of asset class schemes to target specific sector-based exposures with different levels of risk and return than those offered by the diversified schemes.

The Profile range of asset class schemes include the following:

• Profile Diversified Fixed Interest

• Profile Australian Shares

• Profile International Shares

• Profile International Shares (Hedged)

It is important to note that managed investment schemes with greater allocations to growth assets, such as equities, generally have a higher expected investment return accompanied by a higher expected risk. Conversely, managed investment schemes with greater exposure to defensive assets, such as fixed interest and cash, generally have a lower expected return and a lower expected risk than growth assets.

How we invest your money

The Option seeks to maximise capital growth over the long term with a reduced emphasis on the level of income, utilising a diversified portfolio with a slightly higher weighting to growth asset classes such as Australian and international shares.

The performance objective of the scheme is to achieve a gross return at least equal to the weighted average of the applicable benchmark return for each of the component asset classes over periods greater than one year.

The benchmarks for each of the asset classes are listed on page 5 of the PDS.

Asset allocation

• Cash: 6% / 0-20%

• Diversified fixed interest: 19% / 5-30%

• Australian shares: 37% / 25-50%

• International shares: 38% / 25-50%