Key features and benefits

Choose from a range of 15 managed funds
Investors are able to choose from a range of funds and managers covering Australian and global equities, Chinese and Asian equities, global resources and global infrastructure

Borrow 100% of the investment amount plus the annual interest with no margin calls
Non-superannuation investors can borrow up to 100% Investment Loan with fixed and variable interest rate options, plus an optional Annual Interest Loan to borrow and prepay the interest on their 100% Investment Loan in June each year (fixed rate investment loans only). - Not available for SMSFs

Borrow up to 55% for Self Managed Super plus the annual interest with no margin calls
Superannuation investors can borrow up 55% of their investment with a fixed interest rate, plus an optional Annual Interest Loan to borrow and prepay the interest on their Super Investment Loan in June each year.

Safeguard capital
This product provides you with access to a dynamic management strategy that aims to ensure that the value of your portfolio will at least equal your investment amount at the protection end date (30 April 2016). You must remain invested till this date to receive the benefit of capital protection.

No margin calls
You don’t pay any margin calls along the way.

Diversification
You can build a growth-oriented portfolio by choosing from a range of 15 investment strategies.

Manage cash flow
All fees are deducted out of the product so you do not have to pay these fees from other sources.

If you borrow to invest using a 100% Investment Loan you can lock in fixed interest payments, allowing you to better plan your cash flows each year.

Tax-effective structure
With Perpetual Protected Investments – Series 4 you have absolute entitlement to the units in the funds you select. This means any capital gains and/or losses arising during the protection period in relation to those fund units are directly attributed to you.

If you borrow to invest, you will have the potential to claim a tax deduction for fees and interest on the loan as well as the fees for the product.

Increase in the protected amount available over the term of investment
During the protection period, some of the unrealised gains within your portfolio may be ‘locked in’, increasing your protected amount. You may also be able to borrow a further amount against this increase (for investment purposes only).

Flexibility at the protection end date
At the end of the protection period (subject to repaying any outstanding loan amounts) you can: