T. ROWE PRICE GLOBAL EQUITY M T. Rowe Price Global Equity M. 0.55. % p.a. InvestSMART International Equities. 1.61. % p.a. Average of peers (1135) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees HOSTPLUS CAPITAL STABLE HOSTPLUS Capital Stable. 0.55. % p.a. InvestSMART Conservative. 1.47. % p.a. Average of peers (581) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are

being

BENTHAM GLOBAL INCOME The Fund is actively managed and focused on generating stable investment income by providing a diversified exposure to domestic and global credit markets while managing interest rate risk and currency risk. Bentham seeks to add value through actively managing asset allocations across different credit sectors, trading individual

securities and

WINTON GLOBAL ALPHA

Winton Global Alpha. 1.54. % p.a. Average of peers (815) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are being charged. IOOF MULTIMIX BALANCED GROWTH TRUST IOOF MultiMix Balanced Growth Trust. 0.55. % p.a. InvestSMART Growth. 1.64. % p.a. Average of peers (935) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are

AMP CAPITAL

Fund Objective. The Fund aims to provide a total return (income and capital growth) before costs and before tax, of 5.5% pa above inflation, the Reserve Bank of Australia inflation rate (Consumer Price Index) - trimmed mean (published on www.rba.gov.au), on a rolling 5 year basis. IMUGENE: IMPLODING CANCER CELLS Alan Kohler speaks with the CEO of Imugene, Leslie Chong about the development of its cancer therapies, whether they have the cure to cancer, and Chong's previous success taking oncology drugs through to marketing. Find out more at Eureka Report. INVESTING IN INFLATION LINKED BONDS VANGUARD INTERNATIONAL SHARES INDEX HEDGED AUD Vanguard International Shares Index Hedged AUD. 1.48. % p.a. Average of peers (244) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are being charged.

Peers are

MYNORTH INDEX MODERATELY DEFENSIVE MyNorth Index Moderately Defensive. 0.55. % p.a. InvestSMART Balanced. 1.42. % p.a. Average of peers (563) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are T. ROWE PRICE GLOBAL EQUITY M T. Rowe Price Global Equity M. 0.55. % p.a. InvestSMART International Equities. 1.61. % p.a. Average of peers (1135) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees HOSTPLUS CAPITAL STABLE HOSTPLUS Capital Stable. 0.55. % p.a. InvestSMART Conservative. 1.47. % p.a. Average of peers (581) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are

being

BENTHAM GLOBAL INCOME The Fund is actively managed and focused on generating stable investment income by providing a diversified exposure to domestic and global credit markets while managing interest rate risk and currency risk. Bentham seeks to add value through actively managing asset allocations across different credit sectors, trading individual

securities and

WINTON GLOBAL ALPHA

Winton Global Alpha. 1.54. % p.a. Average of peers (815) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are being charged. IOOF MULTIMIX BALANCED GROWTH TRUST IOOF MultiMix Balanced Growth Trust. 0.55. % p.a. InvestSMART Growth. 1.64. % p.a. Average of peers (935) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are

AMP CAPITAL

Fund Objective. The Fund aims to provide a total return (income and capital growth) before costs and before tax, of 5.5% pa above inflation, the Reserve Bank of Australia inflation rate (Consumer Price Index) - trimmed mean (published on www.rba.gov.au), on a rolling 5 year basis. IMUGENE: IMPLODING CANCER CELLS Alan Kohler speaks with the CEO of Imugene, Leslie Chong about the development of its cancer therapies, whether they have the cure to cancer, and Chong's previous success taking oncology drugs through to marketing. Find out more at Eureka Report. INVESTING IN INFLATION LINKED BONDS VANGUARD INTERNATIONAL SHARES INDEX HEDGED AUD Vanguard International Shares Index Hedged AUD. 1.48. % p.a. Average of peers (244) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are being charged.

Peers are

MYNORTH INDEX MODERATELY DEFENSIVE MyNorth Index Moderately Defensive. 0.55. % p.a. InvestSMART Balanced. 1.42. % p.a. Average of peers (563) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are GET STARTED (EUREKA REPORT ANNUAL) IMPORTANT: This information is general financial product advice only and you should consider the relevant product disclosure statement (PDS) or seek professional advice METRICS DIRECT INCOME Fund Objective. The Trust's Investment Objective is to provide monthly cash income, low risk of capital loss and portfolio diversification by actively managing diversified loan portfolios and participating in Australia's bank-dominated corporate loan market. The Manager seeks to implement active strategies designed to balance delivery of the BENTHAM GLOBAL INCOME The Fund is actively managed and focused on generating stable investment income by providing a diversified exposure to domestic and global credit markets while managing interest rate risk and currency risk. Bentham seeks to add value through actively managing asset allocations across different credit sectors, trading individual

securities and

PERENNIAL VALUE SHARES WHOLESALE TRUST Fund Strategy. The fund invests in a range of companies listed (or soon to be listed) on the ASX which Perennial Value, the investment manager, believes have sustainable operations and whose share prices offer good value. The portfolio will hold in the range of 20-70

stocks.

HOSTPLUS CAPITAL STABLE HOSTPLUS Capital Stable. 0.55. % p.a. InvestSMART Conservative. 1.47. % p.a. Average of peers (581) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are

being

IMUGENE: IMPLODING CANCER CELLS Alan Kohler speaks with the CEO of Imugene, Leslie Chong about the development of its cancer therapies, whether they have the cure to cancer, and Chong's previous success taking oncology drugs through to marketing. Find out more at Eureka Report.

WINTON GLOBAL ALPHA

Winton Global Alpha. 1.54. % p.a. Average of peers (815) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are being charged. COLONIAL FIRSTCHOICE Colonial FirstChoice - Baillie Gifford Wholesale LT Global Growth. Learn more about this managed fund including fund information, strategy, asset allocation & performance. Find out more at Eureka

Report

PURE HYDROGEN RAISES $9.4 MILLION TO It’s a company which comes out of a merger of two companies, Real Energy and Strata-X, two gas businesses that owned half-each of a project in Queensland called Project Venus, a coal seam gas project. They decided to call it pure hydrogen and to go after the hydrogen business and they’ve just raised $9.4 million dollars in cash in a MYNORTH INDEX MODERATELY DEFENSIVE MyNorth Index Moderately Defensive. 0.55. % p.a. InvestSMART Balanced. 1.42. % p.a. Average of peers (563) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are

EUREKA REPORT

Grow your wealth with Australia's leading automated investment tools, portfolio managers, managed funds and get the latest investment news, research & insights. Find out more at Eureka Report AIM GLOBAL HIGH CONVICTION Fund Objective. The Fund aims to outperform the MSCI World Index (USD) (Benchmark) on a net of fees basis. There is no guarantee that the objective will be achieved. It is merely an indication of what the Investment Manager aims to achieve over the relevant period. The Fund may not be successful in meeting this objective. FSI WHOLESALE PROPERTY SECURITIES FSI Wholesale Property Securities. 0.55. % p.a. InvestSMART Property and Infrastructure. 1.47. % p.a. Average of peers (454) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the METRICS DIRECT INCOME Fund Objective. The Trust's Investment Objective is to provide monthly cash income, low risk of capital loss and portfolio diversification by actively managing diversified loan portfolios and participating in Australia's bank-dominated corporate loan market. The Manager seeks to implement active strategies designed to balance delivery of the IOOF MULTIMIX BALANCED GROWTH TRUST IOOF MultiMix Balanced Growth Trust. 0.55. % p.a. InvestSMART Growth. 1.61. % p.a. Average of peers (936) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are PERENNIAL VALUE SHARES WHOLESALE TRUST Fund Strategy. The fund invests in a range of companies listed (or soon to be listed) on the ASX which Perennial Value, the investment manager, believes have sustainable operations and whose share prices offer good value. The portfolio will hold in the range of 20-70

stocks.

INVESTING IN INFLATION LINKED BONDS BORROWING TO INVEST IN SUPERANNUATION Borrowing to invest in superannuation is a strategy that has, up to now, not quite stacked up as a personal finance strategy. This is because while borrowing to invest in shares or property is tax-deductible, borrowing to invest in superannuation is not. However, three important elements have combined to put the strategy firmly on

the agenda as

IMUGENE: IMPLODING CANCER CELLS Alan Kohler speaks with the CEO of Imugene, Leslie Chong about the development of its cancer therapies, whether they have the cure to cancer, and Chong's previous success taking oncology drugs through to marketing. Find out more at Eureka Report. IDENTITII BIDS FOR BANK BUSINESS WITH AUSTRAC REPORTING Identitii Bids for Bank Business with AUSTRAC Reporting Solution. Identitii CEO John Rayment is overseeing a transformation of his company - from a blockchain-based business to one with a new core platform that can save banks time and money in their dealings with AUSTRAC. With four quarters of cash left, he has to prove he can "sell

stuff to

EUREKA REPORT

Grow your wealth with Australia's leading automated investment tools, portfolio managers, managed funds and get the latest investment news, research & insights. Find out more at Eureka Report AIM GLOBAL HIGH CONVICTION Fund Objective. The Fund aims to outperform the MSCI World Index (USD) (Benchmark) on a net of fees basis. There is no guarantee that the objective will be achieved. It is merely an indication of what the Investment Manager aims to achieve over the relevant period. The Fund may not be successful in meeting this objective. FSI WHOLESALE PROPERTY SECURITIES FSI Wholesale Property Securities. 0.55. % p.a. InvestSMART Property and Infrastructure. 1.47. % p.a. Average of peers (454) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the METRICS DIRECT INCOME Fund Objective. The Trust's Investment Objective is to provide monthly cash income, low risk of capital loss and portfolio diversification by actively managing diversified loan portfolios and participating in Australia's bank-dominated corporate loan market. The Manager seeks to implement active strategies designed to balance delivery of the IOOF MULTIMIX BALANCED GROWTH TRUST IOOF MultiMix Balanced Growth Trust. 0.55. % p.a. InvestSMART Growth. 1.61. % p.a. Average of peers (936) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are PERENNIAL VALUE SHARES WHOLESALE TRUST Fund Strategy. The fund invests in a range of companies listed (or soon to be listed) on the ASX which Perennial Value, the investment manager, believes have sustainable operations and whose share prices offer good value. The portfolio will hold in the range of 20-70

stocks.

INVESTING IN INFLATION LINKED BONDS BORROWING TO INVEST IN SUPERANNUATION Borrowing to invest in superannuation is a strategy that has, up to now, not quite stacked up as a personal finance strategy. This is because while borrowing to invest in shares or property is tax-deductible, borrowing to invest in superannuation is not. However, three important elements have combined to put the strategy firmly on

the agenda as

IMUGENE: IMPLODING CANCER CELLS Alan Kohler speaks with the CEO of Imugene, Leslie Chong about the development of its cancer therapies, whether they have the cure to cancer, and Chong's previous success taking oncology drugs through to marketing. Find out more at Eureka Report. IDENTITII BIDS FOR BANK BUSINESS WITH AUSTRAC REPORTING Identitii Bids for Bank Business with AUSTRAC Reporting Solution. Identitii CEO John Rayment is overseeing a transformation of his company - from a blockchain-based business to one with a new core platform that can save banks time and money in their dealings with AUSTRAC. With four quarters of cash left, he has to prove he can "sell

stuff to

EUREKA REPORT

Grow your wealth with Australia's leading automated investment tools, portfolio managers, managed funds and get the latest investment news, research & insights. Find out more at Eureka Report GET STARTED (EUREKA REPORT ANNUAL) IMPORTANT: This information is general financial product advice only and you should consider the relevant product disclosure statement (PDS) or seek professional advice

AMP CAPITAL

Fund Objective. The Fund aims to provide a total return (income and capital growth) before costs and before tax, of 5.5% pa above inflation, the Reserve Bank of Australia inflation rate (Consumer Price Index) - trimmed mean (published on www.rba.gov.au), on a rolling 5 year basis. MUTUAL CASH TERM DEPOSITS & BANK BILLS A Mutual Cash Term Deposits & Bank Bills A. 1.47. % p.a. Average of peers (825) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to find out the exact fees you are being charged. METRICS CREDIT PARTNERS MXT’s target return is the RBA cash rate plus-3.25 per cent. However, its one-year net return is 5.16 per cent and 5.36 per cent over three years, easily beating its target. Interestingly, the target return is just above the current median trading margin of ASX OC PREMIUM SMALL COMPANIES OC Premium Small Companies. 1.77. % p.a. Average of peers (337) NOTE: Fee data has been provided by Morningstar, it may not include all costs being charged on your investment such as platform and adviser fees. You should check your fund manager or adviser statements to BORROWING TO INVEST IN SUPERANNUATION Borrowing to invest in superannuation is a strategy that has, up to now, not quite stacked up as a personal finance strategy. This is because while borrowing to invest in shares or property is tax-deductible, borrowing to invest in superannuation is not. However, three important elements have combined to put the strategy firmly on

the agenda as

IPO WATCH: TULLA RESOURCES For this week's IPO watch, we're talking to Mark Maloney, who's the Executive Director of Tulla Resources, which is a gold development and mineral exploration company and we've also got their CFO, Mark Macintosh, on the line. Their key asset is their 50 per cent interest in the Central Norseman Gold Project, which is a historical gold mine

that

PENDAL MICROCAP OPPORTUNITIES Fund Strategy. The Fund is actively managed and invests primarily in a portfolio of 40-60 Australian companies with market capitalisation or free float of generally less than $250 million at initial investment that we believe are trading below their assessed valuation. GOVERNMENT BONDS: A SAFE HAVEN WITH ONE IMPORTANT RISK Thank you to everyone that sent in their deposit account tips, in response to my note ‘The quest for the best deposit rates’ last week, the response was fantastic! Two of you asked if I would cover government bonds. So first, a bit of background about them, why they are great for your portfolio and the risk involved – yes even though they are safe haven assets, there is one very

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IMPORTANT: This information is general financial product advice only and you should consider the relevant product disclosure statement (PDS) or seek professional advice before making any investment decision. Product disclosure statements for financial products offered through InvestSMART can be downloaded from this website or obtained by contacting 1300 880 160. You should consider the product disclosure statement before making a decision about a product. All indications of performance returns are historical and cannot be relied upon as an indicator for future performance. * InvestSMART’s capped management fees (capped at $451 p.a.) do not include indirect cost ratio charged by ETF providers nor brokerage. Indirect Costs are estimated to be between 0.09% - 0.30% p.a. depending on the portfolio. For more information about fees and costs, please see the Product Disclosure Statement

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# Performance figures are after management and admin fees excl. brokerage and assuming dividends re-invested and no withdrawals. The peer comparison figures have been sourced from Morningstar data and is therefore limited to the funds and investment products included in their database. This may not include all funds available for retail investment in Australia. The peer calculation is inclusive of admin and management fees; excludes brokerage and no withdrawals have been made. InvestSMART cannot determine whether or not franking has been included, nor if dividends have been reinvested. Historical performance is not a reliable indicator of future performance. ^ Only funds and investment products included in the Morningstar Australia database are available for fee and performance comparison. This may not include all funds available for retail investment in Australia. Only funds with > three year returns were included in any fee comparison, and were compared to Morningstar’s nominated benchmark. Fees are calculated by Morningstar as the average over 10 years. Whilst every care has been taken in producing these numbers, InvestSMART does not guarantee the accuracy of the figures produced in the table. Fee data may not include all costs being charged such as platform and adviser fees. For the effect of fees on your cumulative returns, please see our report How Fees Can Destroy Your Wealth

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^^ The performance figures for the Intelligent Investor Income and Growth Model Portfolios are since inception on 1 August 2001 using theoretical buys and sells without brokerage and management fees until 1 July 2015. After the 1 July 2015 performance figures (after fees and brokerage) were recorded from the Separately Managed Accounts that mirrored these models. After 18 June 2019 performance figures (after fees and brokerage) have been recorded from the Australian Equity Income ETF (ASX: INIF) which mirrors the Income Model and after 5 October 2020 performance figures (after fees and brokerage) have been recorded from the Australian Equity Growth ETF (ASX: IIGF) which mirrors the Growth Model. Copyright © 1999-2021 InvestSMART Financial Services Pty Ltd. All rights reserved | Australian Financial Services Licensee: AFSL # 226435 | ABN 70 089 038 531 | Financial Services Guide