To provide moderate total returns over the medium term from a
combination of capital growth and income through a diversified mix of growth and defensive assets.

Benefits:

• Simplicity: 
  
  – Online account opening ensures your account is up and running quickly.
  
  –  When you open an account, a transaction account is automatically established for you. The transaction account
  allows you to manage your account easily and efficiently.
  
   –  Automated drawdown and automatic reinvesting strategies help manage your cash balance.
  
  –  You have the ability to share your documents with your adviser through your secure online document library.

• Manage:
  
  – Manage your investments and account in one convenient location online at bt.com.au/panorama.
  
  – In Super, the following can be set up:
  
  – a regular contribution plan, making it easy to control the cash flows into your account and
  
  – automated regular investments into your existing managed funds, managed portfolios and tailored portfolio
  assets.
  
  – If you have a Pension or Transition to Retirement Pension you have the flexibility to choose your income payment
  amount (within statutory limits) and the frequency of payments.

• Vision:
  
  – Your account is designed to be accessed online at bt.com.au/panorama, through your mobile, tablet or desktop computer. You can also download the BT Panorama mobile application to view your account. Please note that not all features available at bt.com.au/panorama are available on the mobile application.
  
  – Get a consolidated view and reporting on your account, such as your transaction history or a breakdown of your investment portfolio by asset class, 24 hours a day, 7 days a week.
  
  
  
• Support:
  
  – A range of reports are available online giving you up-to-date information (such as performance returns) so that
  you can stay informed.
  
  
  – You can also access current information such as topical news items, listed security pricing, company information
  and upcoming dividend information.
  
  – Our Planning for Retirement hub at bt.com.au/retirement offers calculators, resources and support to help you
  prepare for the lifestyle you want in retirement.
  
  
  
• Access
  
  –Panorama Super gives you a single point of access to a range of investments
  
  – You have the choice between a Compact menu or Full menu, which have different investment options and
  different administration fees and costs. You can obtain a list of the investments available to you and copies of
  the relevant disclosure documents from your adviser or by contacting us.
  
  

CoreSeries Moderate Portfolio could be suitable for an investor with a minimum four year investment horizon with a medium
to high capacity and tolerance for risk, and who is looking to grow their wealth over the long-term, however, may be willing to
accept a lower return for a lower risk investment.

Asset Allocation

Equity - Australian Listed: 8% - 38%

Equity - International Listed: 3% - 33%

Property - Australian Listed:  0% - 24%

Property - International Listed:  0% - 24%

Infrastructure - Global Listed:  0% - 18%

Fixed Income - Australian: 0% - 29%

Fixed Income - International:  4% - 34%

Other - International (alternatives):  0% - 22%

Cash:  2% - 30%