Border Express Benefits Plan - About the Investment Options

The Border Express Benefits Plan offers 40 different investment funds each designed for a specific purpose. There are three groups of funds in the plan.

• Internally managed Spectrum funds - where they manage the underlying portfolio of investments.



• Externally managed funds - using other fund managers selected through independent research.



• Managed Blended funds - where Spectrum, along with independent researchers, blend Spectrum and external managers to diversify and manage. They use a 'manager of managers' approach and invest across all the investment sectors. This ensures that your "eggs are not all in one basket".

There are also further specialist funds available that invest in particular areas, such as, Global Small Companies or Listed Property.
You can select any combination of funds as long as you maintain a minimum balance per fund of $500.
To see a list of current funds on offer click the following link Spectrum Master Fund investment options.

What kind of investor am I?
Choosing the right investment option is a personal matter driven by your objectives, tolerance for volatility, time-frame for investment and other investments.

You have two main choices when it comes to selecting your investment options

1) Accept the default investment fund
If you are under 35 the default fund is the Spectrum Blended Series Priority Growth.  Between ages 35 and 50 the default fund is the Spectrum Blended Series Managed Growth Fund.  If you are over 50 the default fund is the Spectrum Blended Series Balanced Fund.
These funds employ several managers to spread your money across cash, fixed interest, property, Australian and Global shares. The Balanced fund has a lower exposure to shares and property. These funds are considered appropriate for most fund members.

2) Use your own judgement to determine your mix of funds
You can choose your own selection of investments to compliment other investment that you hold. You may have the experience or confidence to select your own investments but be aware that this could lead to a loss of capital. Even with research it is often difficult to select an appropriate investment.

Seek advice from your financial adviser or the use the plan's advisors, Wealthsure Financial Services. They can help you identify your investor risk profile, assess the options that are best for you and implement and review the chosen investments.

Advice from Wealthsure Financial Services is part of the service within the plan and is provided at no additional cost to you. They can be reached on 1300 668 600 or click on the following email link Service for Borders People.

If you complete the following Investment Pathfinder questionnaire and return it to Wealthsure Financial Services they will shortlist some suitable investment options for you. Mail this form to BEBP c/- PO Box 1091 LAVINGTON NSW 2641 or fax it to 1300 668 600.

More information is available from the current Spectrum Master Fund - Investment Options Brochure available in your Member Welcome kit or by calling Spectrum Helpline on 1800 333 500.