NGS Self-Managed – Online investment list

This list is correct as at 15 December 2017. Please note that limits are applied at the time of purchase.

What investments are available through NGS Self-Managed?

NGS Self-Managed – Online investment list

This list is correct as at 15 December 2017. Please note that limits are applied at the time of purchase.

Shares

ASX code Name Max Percentage*
  S&P/ASX 300 – refer to ASX website at www.asx.com.au for current list and trading codes 20%


Exchange Traded Funcs (ETFs)

The following tables lists ETFs provided in six areas: Australian shares, international shares, emerging markets, listed property, fixed income and commodities.

 

Australian Shares

ASX code Name Max Percentage*
IHD iShares S&P/ASX High Dividend 80%
ILC iShares S&P/ASX 20 80%
IOZ iShares MSCI Australia 200 80%
VAS Vanguard Australian Shares Index 80%
VHY Vanguard Australian Shares High Yield 80%
VLC Vanguard MSCI Australian Large Companies Index 80%
VSO Vanguard MSCI Australian Small Companies Index 80%


International Shares

ASX code Name Max Percentage*
IAA iShares Asia 50 80%
IEU iShares S&P Europe 80%
IJH iShares Core S&P Mid-Cap 80%
IOO iShares Global 100 80%
IRU iShares Russell 2000 80%
IVE iShares MSCI EAFE 80%
IVV iShares Core S&P 500 80%
IXI iShares Global Consumer Staples 80%
VEU Vanguard All-World ex-US Shares 80%
VGAD Vanguard MSCI Index International Shares (Hedged) 80%
VGS Vanguard MSCI Index International Shares 80%
VTS Vanguard US Total Market Shares 80%
WXHG SPDR S&P World ex-Australia (Hedged) Fund 80%
 

Emerging Markets

ASX code Name Max Percentage*
IEM iShares MSCI Emerging Markets 80%

Listed Property

ASX code Name Max Percentage*
VAP Vanguard Australian Property Securities Index 80%

Fixed Income

ASX code Name Max Percentage*
RSM Russell Australian Semi-Government Bond 80%
VAF Vanguard Australian Fixed Interest Index 80%
VGB Vanguard Australian Government Bond Index 80%

Commodities

ASX code Name Max Percentage*
GOLD EFTS Gold 80%

*Max Percentage - Maximum percentage of your total Accumulation, Transition to retirement or Income account balance that can be invested in a single security
 

Term Deposits

The following table lists term deposits provided by ANZ, ME Bank, Macquarie Bank and National Australia Bank Limited (NAB).

 
Term Deposit
ANZ – 1 month
ME Bank – 1 month
Macquarie Bank  – 1 month
National Australia Bank Limited (NAB) – 1 month
ANZ – 3 months
ME Bank – 3 months
Macquarie Bank  – 3 months
National Australia Bank Limited (NAB) – 3 months
ANZ – 6 months
ME Bank – 6 months
Macquarie Bank  – 6 months
National Australia Bank Limited (NAB) – 6 months

Term deposit providers may have maximum limits. Refer to the term deposit terms and conditions, which are available  through your  Member Online account, for further information.


Term deposit break fees

ANZ

Any request to withdraw an ANZ Term Deposit before the agreed maturity date will be subject to the approval of ANZ and will result in an interest rate reduction based on the percentage of the original Term Deposit and term remaining.

Percentage of TD term remaining Interest rate reduction on amount withdrawn
0 to less than 20% 20%
20 to less than 40% 40%
40 to less than 60% 60%
60 to less than 80% 80%
80 to less than 100% 90%

 

ME Bank 

Any request to withdraw an ME Bank Term Deposit before the agreed maturity date will be subject to the approval of ME Bank and you providing 31 days’ notice to ME Bank. It will result in an interest rate reduction based on the percentage of the original Term Deposit term that has elapsed.

Percentage of TD term remaining Interest rate reduction on amount withdrawn
0 to less than 20% 90%
20 to less than 40% 80%
40 to less than 60% 60%
60 to less than 80% 40%
80 to less than 100% 20%
 

Macquarie Bank

The interest adjustment is currently 25% of earned interest and will be deducted from the interest paid to your NGS Self-Managed Cash  Account. For example, if you have a $100,000 Term Deposit invested at 5.00%p.a. for a term of 90 days and you terminate the Term Deposit 65 days into the term, then $222.60 will be deducted from the interest paid to you. This calculation is as follows: $100,000 x 5.00% x (65/365) x 25% =  $222.60.

National Australia Bank Limited (NAB)

Any request to break a NAB Term Deposit before the agreed maturity will be subject to the approval of NAB and will result in reduced interest generated on that term deposit.

What is early repayment?

Where you request an early withdrawal of the term deposit prior to the agreed maturity, NAB will reduce the interest generated on the term deposit.
NAB will calculate the reduction in interest based on the proportion of the term remaining according to the percentages shown below:

Percentage of TD term remaining Interest rate reduction on amount withdrawn
0 to less than 20% 80%
20 to less than 40% 60%
40 to less than 60% 40%
60 to less than 80% 20%
80 to less than 100% 10%

Here’s an example of how NAB calcluates its reasonable cost:

John opens a $100,000 NAB Term Deposit for 6 months at 4% pa
after four months John request early withdrawal
since John held the Term Deposit for 4 months the percentage of term remaining falls into the category of ’60 to get than 80% which reduces the interest to 20% of the original rate of 4%, i.e 0.8%
the calculation is therefore $100,000 x 0.8% pa – $800.00.

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