We brought together six specialist Australian fund managers to create a powerful blend of management styles and expertise for our Australian Shares Fund. They invest in large, well known Australian companies across different industry sectors such as mining, finance and healthcare.

This fund's assets are spread across six specialist fund managers which invest in smaller companies on the Australian Stock Exchange (ASX). Small companies can be more responsive to market conditions and can deliver higher growth than large companies over the longer term, but tend to be more volatile in their performance.

This fund aims to provide secure returns with low risk of capital loss. It invests in fixed interest securities and cash, and may suit investors seeking a source of regular income.

The Strategy provides investors with the opportunity to invest in companies that are listed on the stock exchanges of the less developed (emerging) markets. Emerging markets funds invest in developing countries and offer investors the opportunity to benefit from the significant growth potential inherent in many of these economies as they raise their standards of living.

The Fund is intended to provide a secure return with lower risk of capital loss relative to other investment categories. Approved investments include, but are not limited to, fixed and variable rate debt instruments, fixed interest instruments (including income generating asset backed securities), Australian Dollar term deposits and cash equivalent securities. The return may be above cash returns when interest rates are falling and below cash returns when interest rates are rising.

Borrowing to invest, or 'gearing', has the potential to magnify capital gains. This fund has a modest level of gearing built into its structure to leverage greater exposure to the Australian sharemarket and can deliver high returns over long periods. However, gearing can also magnify the already volatile nature of shares and increase losses in the shorter term compared with ungeared investments.

The Strategy provides investors with the opportunity to invest in companies that are generally of small capitalisation in the more developed markets. Smaller companies in developed and better regulated markets have shown superior long-term growth when compared with their larger peers, as they are generally more flexible and operate in market niches that give them greater opportunity to increase profits.

This fund engages four India-based fund managers to invest in a diverse range of companies listed on the Indian Stock Exchange and offers a rare chance to invest in a still emerging high-growth economy with potential for relatively high returns. However, performance may be more susceptible to political, regulatory, and liquidity risks than other international share funds.

This is a strongly diversified fund, with 14 underlying investment managers who seek out opportunities across a range of industries around the world including innovative companies in fields like computer technology, finance and healthcare. As such a large proportion of the fund is invested in the United States, but in over 50 countries in total.

Our diversified property fund invests in ASX- listed property trusts and other property securities via a diverse trio of specialist fund managers active across property sectors including commercial, retail, tourism and residential.

Technological innovation is rapidly changing our world, and this fund is an opportunity to invest in high-growth industries such as biotechnology, artificial intelligence, micro electronics and information technology. The fund invests worldwide and is well diversified, with each of the four underlying fund managers holding between 30-100 stocks.