In Australia, Vanguard has been serving financial advisers, retail clients and institutional investors for nearly 30 years.

The Vanguard International Small Companies Index Fund provides exposure to small companies listed in major developed countries. It offers low-cost access to a broadly diversified range of securities that allows investors to participate in the long-term growth potential typical of the international small companies sector.

The Schroder Specialist Private Equity Fund helps investors with a suitable risk tolerance achieve potentially higher returns and greater portfolio diversification by accessing the often hard-to-reach global private equity markets.

The PM Capital business is a Sydney based globally-focussed award-winning fund manager that manages money on behalf of private clients and the clients of financial advisers and institutions, with a core focus on global equities and fixed income strategies.

The PM Capital Global Companies Fund aims to create long term wealth through a concentrated portfolio of 25-45 global companies that they believe are trading at prices different to their intrinsic values.

The Partners Group Next Generation Infrastructure Fund is a managed investment scheme which aims to provide investors with:

• An alternative to listed infrastructure, while attempting to minimize exposure to stock market volatility.
• Exposure to a diverse portfolio of private infrastructure assets that are not normally available to private investors.
• Monthly liquidity, subject to certain restrictions.

The Partners Group Global Value Fund is a managed investment scheme which aims to provide investors with:

• An alternative to global equities, while attempting to minimize exposure to the volatility of the stock market
• Exposure to a diverse portfolio of private companies and other assets that are not normally available to private investors
• Monthly liquidity, subject to certain restrictions

This Product Disclosure Statement outlines the key features of the Partners Group Global Income Fund, including its investment objective, exposure to a diversified portfolio of global private market income assets, income distribution arrangements, fees and costs, risks associated with private markets, credit, liquidity and valuation, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Orbis Global Equity Fund – Retail Class, including its investment objective, actively managed exposure to a diversified portfolio of global equities, long-term investment approach, fees and costs, risks associated with equity markets and active management, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Metrics Direct Income Fund, including its investment objective, exposure to a diversified portfolio of Australian private debt and corporate lending assets, income distribution arrangements, fees and costs, risks associated with credit, liquidity and borrower default, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

The MA Priority Income Fund is a diversified private credit fund with a unique structure. The Fund provides investors exposure to a diversified portfolio of defensive credit investments seeking to preserve capital and deliver stable monthly income of the RBA Cash Rate + 4.00% p.a. (current target return 8.10% p.a.).

This Product Disclosure Statement outlines the key features of the La Trobe Australian Credit Fund, including its investment objective, exposure to a diversified portfolio of Australian credit and mortgage-backed assets, income distribution policy, fees and costs, risks associated with credit, liquidity and borrower default, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the iShares International Equity ETF (BlackRock), including its investment objective, exposure to a diversified portfolio of international equities, index-tracking methodology, fees and costs, risks (including market and currency risk), and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

InvestSense Managed Accounts  provide you with access to a range of professionally managed investment portfolios in the form of Managed Models (‘models’). Each model is a set of underlying assets that is managed based on the investment philosophy and investment decisions of a professional investment manager (‘Model Manager’).

his Product Disclosure Statement outlines the key features of the Dexus Wholesale Australian Property Fund Class D, including its investment objective, diversified portfolio of Australian property assets, income distribution policy, fees and costs specific to Class D units, risks associated with property market exposure and asset concentration, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Dexus Wholesale Australian Property Fund Class C, including its investment objective, diversified portfolio of Australian property assets, income distribution policy, fees and costs, risks associated with property market exposure and asset concentration, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Charter Hall Direct PFA Fund, including its investment objective, portfolio of property-focused assets, income distribution policy, fees and costs, risks associated with property investment and asset concentration, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Charter Hall Maxim Property Securities Fund, including its investment objective, diversified exposure to listed property securities, investment strategy, fees and costs, risks associated with securities and market volatility, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

Charter Hall Direct Long WALE Fund is an unlisted property fund with an established and growing portfolio of predominantly long WALE Properties diversified across geographies and sectors.

The Charter Hall Direct Industrial Fund No.4 (DIF4) is an unlisted property fund with an established portfolio of quality Australian industrial and logistics properties.

This Product Disclosure Statement outlines the key features of the Betashares S&P 500 Equal Weight ETF, including its investment objective, equal-weighted exposure to companies within the S&P 500 Index, index methodology, fees and costs, risks (including concentration and currency risk), and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares S&P 500 Equal Weight Currency Hedged ETF, including its investment objective, equal-weighted exposure to companies within the S&P 500 Index with currency hedging to the Australian dollar, index methodology, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest

This Product Disclosure Statement outlines the key features of the Betashares Nasdaq 100 ETF, including its investment objective, exposure to U.S. technology and growth-oriented companies through the Nasdaq-100 Index, index-tracking methodology, fees and costs, risks (including concentration and currency risk), and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Nasdaq 100 Equal Weight ETF, including its investment objective, equal-weighted exposure to companies within the Nasdaq-100 Index, portfolio construction methodology, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Nasdaq 100 Currency Hedged ETF, including its investment objective, exposure to U.S. technology and growth-oriented companies through the Nasdaq-100 Index with currency hedging to the Australian dollar, index methodology, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares India Quality ETF, including its investment objective, exposure to high-quality Indian companies based on fundamental screening, index methodology, fees and costs, risks (including emerging market and currency risk), and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Global Sustainability Leaders ETF, including its investment objective, exposure to global companies that meet sustainability and ESG criteria, index methodology, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Global Sustainability Leaders Currency Hedged ETF, including its investment objective, exposure to global companies that meet sustainability and ESG criteria with currency hedging to the Australian dollar, index methodology, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Global Robotics and Artificial Intelligence ETF, including its investment objective, thematic exposure to global companies involved in robotics and artificial intelligence, index methodology, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Global Healthcare Currency Hedged ETF, including its investment objective, exposure to global healthcare companies with currency hedging to the Australian dollar, index methodology, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Global Cybersecurity ETF, including its investment objective, thematic exposure to global companies operating in the cybersecurity sector, index methodology, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Global Shares ETF, including its investment objective, exposure to a diversified portfolio of global equities across developed markets, index-tracking methodology, fees and costs, risks (including currency risk), and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Geared U.S. Equity Fund – Currency Hedged, including its investment objective, leveraged exposure to U.S. equities with currency hedging to the Australian dollar, use of gearing and derivatives, fees and costs, heightened risks associated with leverage, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Geared Australian Equity Fund, including its investment objective, leveraged exposure to Australian equities, use of gearing and derivatives, fees and costs, heightened risks associated with leverage, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares FTSE 100 ETF, including its investment objective, exposure to large UK-listed companies through the FTSE 100 Index, index-tracking methodology, fees and costs, risks (including currency risk), and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares FTSE 100 Currency Hedged ETF, including its investment objective, exposure to large UK-listed companies through the FTSE 100 Index with currency hedging to the Australian dollar, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares EX-20 Portfolio Diversifier ETF, including its investment objective, diversified exposure to Australian companies outside the top 20 by market capitalisation, portfolio construction methodology, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Europe Currency Hedged ETF, including its investment objective, exposure to European equities with currency hedging to the Australian dollar, index methodology, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Crypto Innovators ETF, including its investment objective, exposure to global companies involved in cryptocurrency and digital asset infrastructure, index methodology, fees and costs, risks (including market volatility and regulatory risk), and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Climate Change Innovation ETF, including its investment objective, thematic exposure to companies positioned to benefit from climate change solutions, portfolio construction methodology, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Bitcoin ETF, including its investment objective, exposure to the price of Bitcoin, custody and security arrangements, use of underlying instruments, fees and costs, risks (including volatility and regulatory risk), and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

The NetWealth Managed Account provides you with access to a range of professionally managed investment portfolios in the form of Managed Models (‘models’).
Betashares is an Australian fund manager that specialises in exchange traded funds (‘ETFs’). Betashares’ philosophy is to create intelligent investment solutions that broaden the investment possibilities for Australian investors.

This document contains the Managed Account Product Disclosure Statement (Part 1, dated 20 October 2025) and Managed Models Booklet – Betashares (Part 2, dated 28 February 2025).

This Product Disclosure Statement outlines the key features of the Betashares Australian Sustainability Leaders ETF, including its investment objective, sustainability screening and ESG-based investment approach, portfolio construction methodology, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement dated 10 January 2025 outlines the key features of the Betashares Australian Small Companies Select ETF, including its investment objective, rules-based selection methodology, exposure to Australian small-capitalisation companies, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement dated 9 November 2022 outlines the key features of the Betashares Australian Resource Sector ETF, including its investment objective, sector-focused exposure to Australian resource companies, index methodology, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement dated 3 April 2025 outlines the key features of the Betashares Australian Equities Strong Bear Complex ETF, including its investment objective, leveraged inverse exposure to the Australian sharemarket, use of derivatives, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement dated 5 August 2025 outlines the key features of the Betashares Asia Technology Tigers ETF, including its investment objective, index-tracking strategy, underlying holdings in Asian technology companies, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

This Product Disclosure Statement outlines the key features of the Betashares Australia 200 ETF (A200), including its investment objective, exposure to the largest 200 Australian companies by market capitalisation, index-tracking methodology, fees and costs, risks, and taxation considerations.

Investors should carefully consider the information contained in this PDS before making a decision to invest.

The Fund is a portfolio of fixed income securities, selected on a credit basis, diversified by asset type, industry exposure and style of interest rate distributions.

The Allan Gray Australia Equity Fund – Class B is a managed investment scheme (also known as a unit trust) which allows you to pool your money with other investors. Allan Gray believes that investing in undervalued shares and securities identified through fundamental research offers the potential for solid long-term returns.

The Netwealth Managed Account provides you with access to a range of professionally managed investment portfolios in the form of Managed Models. Each model is a set of underlying assets that is
managed based on the investment philosophy and investment decisions of a professional investment manager.

This Product Disclosure Statement (PDS) explains how Zurich Wealth Protection works and what it does and doesn’t cover. This document contains information about Zurich Wealth Protection policies, as well as the policy conditions.

This PDS contains information about TAL Accelerated Protection, the various insurance options available as well as the terms and conditions which will apply to a Policy once an application has been accepted.

This PDS contains information about insurance plans available from Resolution Life and ETSL, including the terms and conditions applicable to those plans.

This Product Disclosure Statement (PDS) is issued by the insurer NobleOak Life Limited ABN 85 087 648 708 AFS Licence No. 247302 (NobleOak).
The product referred to in this PDS is issued subject to the Rules of NobleOak’s PPS Mutual Benefit Fund (Benefit Fund) which are approved by NobleOak’s Board and the Australian Prudential Regulation Authority (APRA).

This Product Disclosure Statement (PDS) has been prepared by Brighter Super Trustee (ABN 94 085 088 484 AFSL 230511) (‘Trustee’) & Zurich Australia Limited (ABN 92 000 010 195 AFSL 232510) (‘Zurich’ or ‘OnePath Life’).
The Trustee for Brighter Super (ABN 23 053 121 564) (‘Fund’ or ‘Brighter Super’) is the issuer of this PDS which contains important information for members of the Fund.

The Trustee provides members with access to death and disablement insurance cover within superannuation.

This PDS contains important information about the OneCare product which you should consider before making a decision to acquire the product and also contains the standard terms and conditions of all Covers available under OneCare.

OnePath life insurance solutions are provided by Zurich which is part of the Zurich Insurance Group.

NEOS Protection is a life insurance product designed to help you protect what’s important to you. It includes five types of cover – Life Cover, Total and Permanent Disability (TPD) Cover, Critical Illness Cover, Child Cover and Income Support Cover – allowing you to tailor your insurance to the needs of you and your family.

This document is a combined Product Disclosure Statement and Policy Document which we refer to as the PDS and contains the full terms and conditions explaining what you need to know about the benefits, features, options, risks and costs of Encompass Protection.

ClearView is an Australian life insurance company listed on the Australian Securities Exchange with $359 million of in-force premiums as at 31 December 2023, supported by wholly Australia-based operations.

They’re dedicated to protecting over 80,000 valued policyholders and partner with financial advisers to help everyday Australians achieve their financial and wellbeing goals by protecting their wealth.

The Asteron Life Complete product described in this Product Disclosure Statement and Policy Document (PDS),which includes the policy terms and conditions, is issued by TAL Life, with the exception of an interest in Brighter Super, ABN 23 053 121 564, RSE No. R1000160 (Fund), which is issued by the Trustee who will hold an Asteron Life Complete policy on your behalf, as a member of the Fund.

This Product Disclosure Statement and Policy Document (PDS) describes the main features and terms of the Priority Protection and Priority Protection for Platform Investors insurance products, which are issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043, (AIA Australia).

Acenda Insurance and Acenda Insurance (Super) Product Disclosure Statement Insurance PDS, which contains all the information about the insurance features, terms and conditions.

Smart Future Trust – Retail Insurance in Super: for Acenda Insurance (Super) Product Disclosure Statement Super PDS, which applies if the insurance is to be part of a super arrangement.

Netwealth Super Accelerator provides a flexible way for you to save for and enjoy your retirement. Super Accelerator is a superannuation product that enables you to invest in a range of investments in your superannuation account and to easily monitor and administer those investments.

This PDS is a summary of significant information in the Unisuper Fund and contains a number of references to important information documents (each of which forms part of the PDS).

This PDS details the eligibility and process to open a QSuper Retirement Income Account or Transition to Retirement account along with the fees, costs and investment options.

This Product Disclosure Statement for Accumulation Account (PDS) is a summary of significant information about the QSuper Accumulation Account. The document includes the QSuper Accumulation Guide, the QSuper Investment Guide and the QSuper Insurance Guide.

North Super and Pension comprises a suite of plans offered as a part of the Wealth Personal Superannuation and Pension Fund (the Fund) ABN 92 381 911 598.

Information regarding North Super (USI 92381911598002) and North Pension (USI 92381911598001) is contained in the PDS, and in other documents being the additional information booklet and the North investment options document.

HUB24 Super is a superannuation investment service that can help you build your super savings in a tax-effective way. You can choose between three account types, which offer a range of investment options for you to invest in, to build your preferred investment strategy.

This Combined Product Disclosure Statement and Policy Terms document contains both the Product Disclosure Statement for the Metlife Protect and MetLife Protect Super products and the Policy Terms for the insurance cover available through these products.

Netwealth Super Accelerator provides a flexible way for you to save for and enjoy your retirement. Super Accelerator is a superannuation product that enables you to invest in a range of investments in your superannuation account and to easily monitor and administer those investments.

The information contained in this Product Disclosure Statement (PDS) for Super and Pension Consolidator II should be read in conjunction with the Technical Information Booklet (TIB) and Investment Menu, which are incorporated by reference.

Macquarie Super and Pension Consolidator II (Super and Pension Consolidator II) is part of a superannuation fund established by way of a trust deed. The trustee for the superannuation fund is Macquarie Investment Management Limited ABN 66 002 867 003 AFSL 237492 RSEL L0001281. It provides for superannuation through a Wrap service.

This PDS is a summary of significant information about the Hostplus Superannuation and Personal Super Plan. It contains references to important information guides and gives an overview of the Plan’s main features, benefits, fees and costs, risks.

The Product Disclosure Statement (PDS) for Brighter Super’s Pension is made up of two parts:

This Pension PDS (Part 1) contains important information on how Brighter Super’s Pension account and Transition to Retirement Pension works.

Pension Investment and Fees Guide (Part 2) provides detailed information about Brighter Super’s investment options, the risks of investing and fees that apply to your account.

This Product Disclosure Statement (PDS) provides a summary of significant information for accumulation members of Brighter Super. It contains references to important information which also forms part of this PDS.

This Product Disclosure Statement for Income Account and Lifetime Pension is a summary of significant information about the product and explains what ART can offer for retirement, how the retirement solutions work along with the costs and risks of super.

This Product Disclosure Statement for Accumulation Account (PDS) is a summary of significant information about the Australian Retirement Trust Super Savings Accumulation account and should be read in conjunction with the Super Savings Accumulation, Investment and Insurance and Fees guides.

This Product Disclosure Statement (PDS) is a summary of significant information and contains a number of references to important information to be considered about the product. This guide tells you everything you need to know about Choice Income.

This Product Disclosure Statement explains the key features and benefits of being with Australian Super and provides a summary of significant information along with a number of references to important information (each of which forms part of the PDS).