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Asgard Investment & Super/Pension

Important note

Asgard Managed Profiles and Separately Managed Accounts - Funds Super/Pension and Asgard Managed Profiles and Separately Managed Accounts – Funds Investment are no longer available to new clients since 5 December 2021. Existing clients are not impacted by the closure and will continue to have access to the current features and functionality of the products.

  • Asgard Super/Pension

    Asgard Super Accounts

    Other features of your Asgard Super Account include:

    Transfer from Super to Pension

    You can easily transfer part or all of your benefits from an Asgard Super Account to a tax-effective Asgard Allocated Pension Account.

    We can transfer eligible investments without selling them, which means there is no disposal for capital gains tax purposes (Super Accounts or Transition to Retirement Pension Accounts only) and no charges associated with buying and selling investments. For the conditions that apply to these transfers refer to the Asgard Super/Pension PDS.

    Choice of Fund

    Your Asgard Super Account is part of a complying super fund under ‘Choice of Fund’ legislation. We can accept any super contributions that you ask your employer to pay us (if you’re eligible).

     

    Asgard Pension Accounts

    Other features of your Asgard Pension Accounts include:

    Access to benefits

    Allocated Pension Account - with an allocated pension you can adjust the amount of your regular pension payments to suit your needs*. You can also choose the frequency of your pension payments and you can take all or part of your benefits as a lump sum payment.
    *Note: This depends upon how much money you have in your account and is subject to limits set by legislation.

    Tax credits

    Investment earnings in Asgard Pension Accounts are free of tax except for pre-retirement pensions (also known as transition to retirement pensions) which are taxable and treated in the same way as Asgard Super Accounts.

    You should also receive the full value of any available franking credits on the investments that fund your pension.

    Transfers between Pensions

    You can transfer part or all of your benefits from an existing Asgard Allocated Pension Account to another Asgard Allocated Pension Account without selling down your managed investments. This can eliminate transfer costs.

  • Term Deposits

    You can now invest in a term deposit on Asgard, and with your interest rate fixed upfront, your money is secure for the length of the term.

    Why invest in a term deposit?

    Investing in a term deposit is a great way to get a return on money you have available while you look into other investments, like property. At rates higher than standard accounts, parking in term deposits makes real sense.

    View the latest term deposit interest rates here.

    Where do I go for more information?

    To find out more about investing in term deposits, including how and when interest is paid and what happens at maturity, take a look at our frequently asked questions.

  • Investment options

    With Asgard you have easy access to a wide range of managed investments managed by leading investment managers, and is designed so you can tailor your portfolio to suit your financial needs.

    Asgard investment options allows you to construct your own portfolio from a broad selection of managed investments and shares, or one of five pre-set portfolios of managed investments tailored to cater for different tolerance levels to risk.

    Flexibility and choice

    Asgard gives you the flexibility to choose any combination of cash, term deposits, managed investments and shares (Super/Pension only), or one of five pre-set portfolios of managed investments tailored to cater for different tolerance levels to risk. This ensures you’re able to achieve a portfolio of investments suitable for your needs.

    Your mix of investments will depend on what you and your financial adviser decide is best for you, taking into account your personal and financial goals and an appropriate investment risk profile. How involved you want to be is up to you. You can actively participate in managing your investment profile with your financial adviser or just ‘set and forget’.

    Your financial adviser can also switch your investments at any time, quickly and easily, as your financial or lifestyle needs change.

    Investment menu

    You can choose from two investment options detailed below. The List of Available Investment Options sets out the list of investments and includes the investment selection form for Asgard Investment Funds Account and Asgard Super/Pension.

    Managed Profiles

    This option allows you to design your own investment profile by providing you with access to the following:

    • Cash
    • Managed investments - An extensive range of diversified multi-blend, sector multi-manager and discretionary single-manager funds
    • Listed securities (Super/Pension only) - A broad range of securities listed on the ASX
    • Term deposits

    Separately Managed Accounts (SMA) - Funds

    This option offers a choice of five pre-set portfolios, each with a specific set of risk/return characteristics:

    • Defensive
    • Moderate
    • Balanced
    • Growth
    • High Growth

  • Investment performance

    Keep an eye on your investments by reading our Investment Monthly which contains performance and asset allocation information. The monthly report is available on Investor Online.

  • Insurance

    To help protect your lifestyle and investments in the event of a personal crisis, Asgard offers a range of insurance options available through super.

    These include:

    • Salary Continuance
    • Life Protection
    • Total & Permanent Disablement (TPD)

    Insurance options are available through:

    Premiums for insurance can be paid directly from your Transaction Account.

  • Regular deposit plan

    A Regular Deposit Plan makes it easy for you to make deposits to your Asgard Account.

    For as little as $100 per month you can make regular deposits into your Account and keep accumulating wealth in a more disciplined way.

    Simply choose how much you want to invest, how often you want to make deposits and for how long.

    Remember, the sooner you start the easier it will be to reach your financial goals.

  • Auto-rebalancing facility

    Despite sounding like something your mechanic might do for you, this facility ensures that your investment profile is automatically maintained on either a quarterly, half-yearly or annual basis.

    This means you don’t need to constantly monitor your investments or send your adviser manual investment instructions.

    How auto-rebalancing works

    Over time, the investments in your account will change in value at different rates until they no longer represent the investment profile that you originally established with your financial adviser.

    Since your original investment profile was carefully constructed to meet your financial goals, it’s important to rebalance your portfolio back to its original agreed proportions.

    The unique auto-rebalancing facility ensures that your investment profile is automatically maintained on a quarterly, half-yearly or annual basis, so that you don’t need to constantly monitor your investments or send in investment instructions.

  • Borrowing to invest

    With Asgard Investment Accounts, you are able to use a number of margin lending providers to borrow money to invest through your Account. This is called ‘gearing’ and it’s a powerful tool for wealth creation that can help you meet a range of investment objectives.

    Gearing can enhance the after-tax return you receive on your investments, enhancing the total value of your investments over time. Conversely, if your investments perform poorly, you have the potential for losses. You should speak with your financial adviser to help decide if this strategy is right for you.

  • Disclosure documents

  • Fees

    With Asgard, the fees that you pay your financial adviser are negotiated directly between you and your financial adviser. Asgard also gives you access to a range of wholesale managed investments with lower investment manager charges than retail funds (these are generally not directly available to retail investors).

    For a full explanation of the fees that may apply, speak to your financial adviser or see the Product Disclosure Statement.

  • Keeping you informed

    Consolidated reports

    Your Asgard Account consolidates all the transactions from different investment managers into one easy-to-read report.

    Asgard Investment Accounts

    Asgard Investment Accounts receive a detailed quarterly Investor Reports, quarterly and/or annual PAYG statements, and an Annual Tax Report and Tax Report Guide.

    Asgard Super/Pension Accounts

    Asgard Super/Pension Accounts receive a detailed annual Investor Report.

    24 hour online access

    You can also view your personal Account details 24 hours a day, 7 days a week, by logging onto Investor Online at www.investoronline.info.

    Speak to a real person - locally!

    If you’re having trouble finding the information you need online, we’re here to assist you with any questions you might have. So, if you prefer speaking with real people, based locally, call us on 1800 998 185.

  • Awards

    When you invest in Asgard, you’re investing with Australia’s most awarded investment platform. You can be confident that you’ll receive the very best of service. Speak to your financial adviser about how Asgard can make investing easy and free your time for other important things.

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