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Personal Choice eWRAP Super & Pension

Personal Choice eWRAP Super & Pension account enables you to save for your retirement and the eWRAP Pension account provides you with tax-effective income in retirement. It allows you to wrap all of your investments into the one simple retirement account to help you achieve your retirement goals. Investors can now access the benefits of the Personal Choice eWRAP Super or Pension, direct without a financial adviser by utilising our low cost transaction service.

Key Features

The table below is only a summary. Please refer to the product disclosure statement for full details.

Minimum suggested account value* $100,000
Minimum buy/sell amount $100 per managed investment
No minimum per share
Available investment options Cash, managed investments, fixed term deposit and shares
Upfront Fee NIL through 2020
Exit Fee NIL through 2020
Admin Fees^ Up to $100,000 0.7900% pa
  $100,000 - $250,000 0.5900% pa 
  $250,000 - $750,000 0.3075% pa
  $750,000 - $3,000,000 0.1025% pa
  Over $3,000,000 NIL
  Investment fees are payable to investment managers of the managed investments in your account. Investment fees will range from 0.00% per annum to 3.22% per annum.
Trustee Fee^ 0.1025% pa 
Share brokerage $25 up to $30,000
  0.1025% trades greater than  $30,000
2020 Transaction Fee $11 per transaction for a buy or a sell transaction 
^ Applied to the balance of your investment only and not applied to your Cash Account balance
* You may invest with less but admin fees are charged on a balance of $100,000.

Investment Choice & Flexibility


Access over 300 wholesale and boutique managed funds, typically unavailable for investment to retail investors and at wholesale investment fees and invest in ASX listed securities. Managed investments can be purchased for as little as $100 per fund and you have the flexibility of switching managed investments at any time, quickly and easily. There is no minimum deposit and a regular savings plan can be set up for as little as $100 per month for a disciplined approach to saving for your retirement.

Competitive Fee Structure and Fee Rebates

Personal Choice eWRAP Super/Pension have lower administration fees than the Asgard eWRAP. In addition, administration fees are capped at $3 million. 2020 DIRECTINVEST will waive all entry and exit fees and we do not charge ongoing adviser service fees. Asgard has also negotiated management fee rebates with a number of investment managers. These rebates range up to 40% of the fund manager's fee charged and is passed on to the investor in full.

Managing your eWRAP Account

Through 2020, investors can finally access a low cost wrap account that gives you full control. As your account managers, we will help you make amendments to your accounts, answer general questions and help you buy and sell investments. We offer this service via our low cost transaction only service at only $11 (incl GST) per fund or share. All orders will receive an investment confirmation for your review and approval prior to placement. For more information on transacting, please visit our eWRAP FAQ section.

Super Contributions

It's simple to make deposits to your super account, by you (direct or by rollover), your employer or your spouse. Contributions can be made by direct debit, BPAY or by cheque. Your employer can use Employer Online to make deposits into your eWRAP super account by direct debit, BPAY or cheque.

Transition from Super to Pension

Easy and simple to transfer from an eWRAP Superannuation Account to a tax effective eWRAP Pension Account. When you become eligible you can transfer all or part of your benefits from an existing eWRAP Super account to Pension without selling down your managed investments.

Why Personal Choice eWRAP?

Personal Choice eWRAP is a badged version of the award-winning Asgard eWRAP platform. Asgard was established in 1985 and is a member of the Westpac Group. Asgard has over 400,000 investors with over $37 billion in funds under management (as at September 2008).

Personal Choice Portfolio Services Pty Ltd is formed by a group of independently owned dealer groups who joined with Asgard to promote Personal Choice eWRAP Super/Pension. Personal Choice eWRAP Super/Pension offers the same account features and investment menu but with a lower administration fee. In 2012, Personal Choice will be changing its name to Premium Choice and rename its products to Premium Choice eWRAP Super/Pension. Premium Choice eWRAP will remain a badged version of the award winning Asgard eWRAP. 


Apply Now

Find out more on how to apply for a Personal Choice eWRAP Super or Pension account.
How to Apply
Managing your eWRAP account
eWRAP FAQ

Available Investments

For a list of the available managed fund investment options available, please download the Available Investment Options list below. Alternatively, to browse and research available funds please use our custom eWRAP Find a Fund tool.
eWRAP Find a Fund

Wrap Accounts

Before you invest in a wrap account, we recommend reading "How to Choose the Best Wrap Account" by Michael Lannon to help you understand, compare and choose the best wrap account.
How to Choose the Best Wrap Account
Learn about Wrap Accounts


Fee Disclosure
2020 DIRECTINVEST may receive a percentage of the administration fee paid on Personal Choice eWRAP accounts. This is paid from the eWRAP administration fees and is not an additional charge to the investor. 2020 DIRECTINVEST may also receive a trailing commission of 0.30% pa on the balance of your cash account. This is paid by Asgard and is not an additional charge to the investor.


Personal Choice eWRAP Super/Pension
Personal Choice eWRAP Super/Pension
At A Glance
Available Managed Fund Options
Available Share Options
Frequently Asked Questions
How to Apply
Existing investors: eWRAP Buy/Sell Form
More info: Managing your eWRAP account

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Personal Choice eWRAP Find a Fund
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