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Client Seminar

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Client Seminar

  1. 1. Instructions for use This is to be used as a guide only for advisers when preparing a personalised client seminar for their client(s). The Aviva name and logo are used under licence from Aviva plc Group. This information does not take into account the objectives, financial situation or needs of any particular person or persons. As a financial adviser, you will need to consider whether an investment is appropriate for your client’s objectives, financial situation and needs. Some of the information contained in this presentation is subject to change from time to time.
  2. 2. <ul><li>Important notice </li></ul><ul><li>Terms and conditions for using this document </li></ul><ul><li>To help you with your recommendations, we have developed sample wording that outlines our Separately Managed Account (SMA). This text is written for an investor audience. You are responsible for any representations you make to your clients. Should you utilise this wording, you must satisfy yourself that it is appropriate in the context which you intend to use it. </li></ul><ul><li>Please note by using this document you acknowledge and agree that: </li></ul><ul><li>Aviva does not accept any responsibility or liability for the use of the </li></ul><ul><li>document </li></ul><ul><li>it is your responsibility to ensure your use or publication of the </li></ul><ul><li>document complies with the Corporations Act 2001(Cth) and any </li></ul><ul><li>other relevant legislation </li></ul><ul><li>you will identify your company as the issuer of the document and </li></ul><ul><li>provide an an appropriate disclaimer </li></ul>
  3. 3. Understanding a Separately Managed Account Client seminar, DATE
  4. 4. Agenda for this seminar <ul><li>What is it? </li></ul><ul><li>Why use it? </li></ul><ul><li>How to get started </li></ul><ul><li>Questions </li></ul>
  5. 5. 41% of all Australians own shares* * Share Ownership Study 2008, Australian Securities Exchange
  6. 6. While investment performance is important, many investors have recently discovered that it is just as important to know… Lessons from the crisis b. they have access to their investment if they need to withdraw funds a. exactly what assets they are invested in
  7. 7. Where do I invest? What do you want from your investments?
  8. 8. Your investment wish list Steady income stream in retirement See exactly which shares you are invested in Reasonable fees Easier way to manage your investments if you have a self-managed super fund Access to a professional investment manager Simple paperwork and statements that make tax time easy Choose the level of risk you are comfortable with Grow you wealth
  9. 9. We have a new solution – Separately Managed Account
  10. 10. What is it?
  11. 11. What is it? Separately Managed Account (or SMA) An SMA is a managed investment scheme that allows you to access a range of professionally constructed and managed portfolios of Australian shares and cash.
  12. 12. Through an Aviva SMA you can… Choose from a range of investment styles or managers to suit your personal preferences and goals Diversify your investments across many Australian shares Manage all investments through the platform Invest via a super, pension, investment or self-managed super account
  13. 13. <ul><li>Just like an Australian shares managed fund </li></ul><ul><li>hold all investments through the one platform/account </li></ul><ul><li>invest through your super, pension, investment or self-managed super account </li></ul><ul><li>choose a range of investment styles or managers to suit your goals </li></ul><ul><li>diversify your Australian shares </li></ul><ul><li>The difference is you can </li></ul><ul><li>view the underlying Australian shares of a portfolio in reports/statements </li></ul><ul><li>save up to 20% in management costs than a comparable managed fund* </li></ul><ul><li>avoid ‘inheriting’ capital gains when investment managers sell assets before you invest to fund other investor redemptions </li></ul><ul><li>minimise tax when you transfer shares between SMA models </li></ul><ul><li>confirm prices in one business day^ </li></ul><ul><li>* transaction costs may vary </li></ul><ul><li>^ Fast Track online switches only – standard turnaround times apply to all other transactions </li></ul>What is it?
  14. 14. Beneficial ownership explained <ul><li>This means you: </li></ul><ul><ul><ul><li>- can see exactly which shares you are invested in </li></ul></ul></ul><ul><ul><ul><li>receive the dividends and tax credits (known as franking or imputation credits) that the shares pay </li></ul></ul></ul>Investment The beneficial ownership of the shares remains with you Superannuation Or the trustee if your SMA is held in superannuation
  15. 15. Beneficial ownership explained No trust structure! Plan Model portfolio Investor 1 Investor 2 Investor 3 Share Cash Individual ownership – NO TRUST Plan Model Investment manager Units Units Units Investment manager Investor 1 Investor 2 Investor 3 Unit trust Separately Managed Account Trust
  16. 16. 1 2 3 Three ways to invest in shares
  17. 17. Why use SMAs?
  18. 18. The benefits of investing in an SMA Diversify your portfolio Pay less to manage your investment Beneficial ownership of the shares remains with you Transparency of your shares No inherited capital gains tax Professional investment
  19. 19. How to get started
  20. 20. <ul><li>when you invest in the SMA, we establish an individual portfolio of shares for you that is based on the model portfolios that we have chosen </li></ul><ul><li>the number and type of shares you hold will depend on the model portfolio we have chosen </li></ul><ul><li>each share will have a different value, and the price of each share can change daily </li></ul><ul><li>shares in the portfolio can change from time to time as a result of an investment manager changing the weightings in your chosen model portfolio </li></ul>How does an SMA work?
  21. 21. How much do I need to get started? <ul><li>minimum investment: $10,000 per SMA model portfolio </li></ul><ul><li>to make it cost effective we suggest a minimum investment of $30,000 </li></ul><ul><li>to determine the right amount for you, we’ll need to look at your overall investment objectives and needs </li></ul>
  22. 22. Why use a platform? <ul><li>a platform enables you to combine all your investments in the one account </li></ul><ul><li>makes it easy for you and your adviser to manage and keep track of your investments in a cost-effective way </li></ul><ul><li>Aviva’s platform online account and statement provides you with a single view of your investment holdings </li></ul><ul><li>you can see the shares in your SMA consolidated along with your other investments </li></ul><ul><li>makes tax time easier </li></ul>Consolidate Consolidate Consolidate
  23. 23. Models and pricing Range of models
  24. 24. <ul><li>Disclaimer </li></ul><ul><li>Navigator Australia Limited (Navigator) ABN 45 006 302 987 AFSL </li></ul><ul><li>236466 is the operator of the Navigator Personal Investment Plan and the </li></ul><ul><li>Responsible Entity of Aviva’s SMA, the Integrated Separately Managed </li></ul><ul><li>Account ARSN 138 086 889. A copy of the relevant Product Disclosure </li></ul><ul><li>Statement (PDS) is available from Aviva. </li></ul><ul><li>NULIS Nominees (Australia) Limited ABN 80 008 515 633, AFSL 236465, is </li></ul><ul><li>the trustee of the Navigator Personal Retirement Plan ABN 40 022 701 955, </li></ul><ul><li>which is part of the Navigator Master Trust. </li></ul><ul><li>The information contained in this presentation is of a general nature only and </li></ul><ul><li>does not take into account your particular objectives, financial situation or needs. </li></ul><ul><li>Before making an investment decision, you should consider the PDS and </li></ul><ul><li>whether it is appropriate for you. The above information is current as at the date of </li></ul><ul><li>publication. </li></ul><ul><li>While every attempt has been made to ensure the accuracy and reliability of </li></ul><ul><li>the information, it is not guaranteed in any way. The Aviva name and logo are </li></ul><ul><li>used under licence from the Aviva plc Group. </li></ul>

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