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| Rebate Offer |
2.0% (100%) |
| Minimum Initial Investment |
$25,000 |
| Expected Close Date |
CLOSED |
| Description |
Perpetual Protected Investments - Series 3 is a capital protected investment offer with 100% gearing available. |
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Perpetual Protected Investments - Series 3 offers accelerated wealth potential and capital protection with potential tax benefits.
The Perpetual Protected Investments – Series 3 allows non-superannuation investors to borrow 100% of the initial investment via the 100% Investment Loan. In addition, investors have the option to borrow and prepay 100% of the interest on the 100% Investment Loan each year. Superannuation investors can borrow to invest using the Capitalised Investment Loan.
Key Benefits
- Capital protection - you can take advantage of potential market highs while being protected from the lows with access to a dynamic management strategy for capital protection.
- No margin calls – the dynamic management strategy means you don’t pay any margin calls
- Diversification – Select from a menu of managed funds across Australian and global equities, as well as other specialist asset classes such as Asian equities, global resources, global property and global infrastructure.
- Manage cashflow - administration fees are paid out of the product, meaning you won't have to find additional money during the protection period, apart from any interest payable on your loans (where you have borrowed to invest) and tax on fund distributions.
- Tax effective structure – You own the units in the funds you select which means any capital gains and/or losses during the protection period in relation to those fund units should be directly attributed to you.
These benefits assume your investment is held to the protection end date, as any amounts withdrawn prior to the protection end date are not capital protected.
The funds available within Perpetual Protected Investments - Series 3 are:
Australian equity funds
- Ausbil Australian Active Equity Fund
- Ausbil Australian Emerging Leaders Fund
- Challenger Wholesale Australian Share Fund
- Perpetual's Wholesale Australian Fund
- Schroder Wholesale Australian Equity Fund
- Vanguard Australian Share Index
Global equity funds
- AXA Wholesale Global Equity Value Fund
- DWS Global Equity Thematic Fund
- GVI Global Industrial Share Fund
- Perpetual's Wholesale International Share Fund
- T Rowe Price Global Equity Fund
- Vanguard International Shares Index Fund (Hedged)
Specialist funds
- Aberdeen Asian Opportunities Fund
- Colonial First State Wholesale Global Resources Fund
- IOOF/Perennial Global Property Trust
- Macquarie International Infrastructure Securities Fund
- Merrill Lynch Global Allocation Fund (Aust) (Class D Units)
- Perpetual’s Wholesale Ethical SRI Fund
- Platinum Asia Fund
- Premium China Fund
Minimum Investment
The Minimum Investment amount per Investment Strategy is $10,000.
The Minimum Loan Amount is $50,000
Loans offered are subject to credit approval
Important Information from Perpetual
The PDS for Perpetual Protected Investments - Series 3 has been issued with a new Supplementary PDS, due to changes in interest rate deductibility for capital protected borrowings announced in the recent Federal Budget.
All investors should download and read the supplementary disclosure statement, before signing the acknowledgement at the bottom of page 1 of the Application Form attached to the combined Financial Services Guide and PDS. If there is no acknowledgement at the bottom of page 1, please print and sign the following in the space at the bottom of page 1:
"I/we acknowledge and declare that I/we have read and understood the supplementary PDS dated 23 May 2008"
Perpetual has also not received a final determination from the Australian Tax Office about capitalising interest on a loan. Given the uncertainty this creates for investors, Perpetual has decided not to offer the Capitalised Investment Loan option to any investors.
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| Fee Disclosure | | 2020 DIRECTINVEST will rebate 100% of the 2.0% establishment fee as additional units. 2020 DIRECTINVEST will also rebate 100% of the 1.0% upfront commission on the Investment Loan in the form of a rebate cheque. 2020 DIRECTINVEST may receive a 0.59% trailing commission on the loan total. This is paid by the Fund Manager and is NOT an additional charge to the investor. |
 Product Facts | | Aegis Research Report | | Lonsec Research Report | | Standard & Poors Research Report | | Please read: Supplementary PDS 23 May 2008 |
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| Travel Insurance | Annual business travel insurance for as little as $381.50. Unlimited domestic and international trips. more info
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