Features to help you manage your investment

• Regular Investment Plan
  • Grow your investment by investing regularly (monthly or quarterly) via direct debit from your financial institution account.

• Regular Draw-downs
  • Make regular withdrawals to provide a regular stream of income (each month or quarter) into your financial institution account.

• Switching
  • Adjust your investment strategy by switching between investment funds as your financial objectives change over time. You can do this online.

• Auto-Rebalancing 
  • Automatically rebalance your investment fund allocation back to your nominated investment profile on a regular basis.

• Dollar Cost Averaging -
  • Manage and spread the timing risk of investing by establishing a plan to make regular switches into selected investment funds.

• Borrowing to invest
  • You can apply a margin loan to your account. We currently have arrangements with a number of lenders. All loans are subject to the particular requirements of each lender. Margin lending, or gearing, involves borrowing to invest. This can magnify your investment return over time, potentially increasing your returns, although it will also magnify losses if financial markets are performing poorly. To determine whether a margin loan is appropriate for you, we recommend that you speak to your financial adviser who can provide information about the margin lending products available, as well
    as loan application forms.

A choice of cash options

ANZ Term Deposits – access to six ANZ Term Deposit options with competitive interest rates and terms ranging from 3 months to 5 years. ANZ Cash Advantage – access to an at call investment fund that offers a competitive interest return.

Multi-manager investment funds

OnePath Diversified Multi-manager funds – a range of diversified funds that combine the benefits of expert active manager diversification with index funds. OptiMix – a selection of multi-manager investment funds. The OptiMix process carefully selects a number of complementary investment managers to manage the underlying investments within each asset class.

Single manager investment funds

Diversified and single sector investment funds – access to an extensive range of diversified and single sector investment funds offered by OnePath and other funds managers, as well as index and alternative funds.

A small number of the investment funds offered are classed as Funds of Hedge Funds. Additional information about the underlying investments of those funds is included in Part Two of this PDS and in the OneAnswer Hedge Funds Guide. This includes information about how the assets are valued, the periodic reporting provided for the investment funds, details of each underlying fund’s investment strategy, structure, manager, liquidity, leverage, derivatives, short selling and withdrawals.

Online access

Track and manage your account online. You will be registered automatically to Account Access on joining. Account Access allows you to:
• view details of your investment, including your balance and recent transaction history, and transaction confirmations 
• view details of any ANZ Term Deposit you hold, including interest rate and maturity date 
• transact online 
• change your personal details. 

Keeping you informed:

You will receive: 
• a Quarterly Transaction Statement 
• an Annual Tax Statement 
• a range of investor communications 
• access to the Onepath website that includes educational material about investment, information about the investment performance and legislative updates, as well as useful calculators and investment tools.

Easy investment methods:

A range of payment methods to make it easy for you to invest, 24 hours a day, seven days a week: 
• Bpay®
• Cheque
• Internet banking (EFT)
• Direct debit