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DDH Investment Access Funds
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Product Disclosure Statement
Overview
DDH Investment Access Funds is an investment offer that provides investors with access to QIC managed wholesale funds and a Bank of Queensland cash deposit fund. Investors can choose between six single sector and three multi-sector funds that offer a range of different asset classes and risk profiles.
Investment Choice
DDH Conservative Growth Fund
(formerly Q Invest Conservative Growth Fund)
This fund aims to achieve an investment return of at least CPI plus 2% (before fees) over rolling three year periods by investing in underlying investment funds which primarily invest in a range of listed and unlisted securities across various sectors.
DDH Balanced Growth Fund
(formerly Q Invest Balanced Growth Fund)
This fund aims to achieve an investment return of at least CPI plus 4% (before fees) over rolling five year periods by investing in underlying investment funds which primarily invest in a range of listed and unlisted securities across various sectors.
DDH Aggressive Growth Fund
(formerly Q Invest Aggressive Growth Fund)
This fund aims to provide long term capital growth and some income through investment in underlying investment funds which primarily invest in international and Australian shares.
DDH Australian Shares Fund
(formerly Q Invest Australian Shares Fund)
This fund aims to provide long term capital growth and some franked income through investment in underlying investment funds which primarily invest in Australian shares. The fund is lightly managed with minor periodic adjustments to the underlying portfolio.
DDH Australian Equities Fund (active)
This fund aims to achieve an investment return (before fees)of at least 2% pa above the S&P/ASX 200 Accumulation Index, over rolling seven year periods, through underlying investment funds which actively manage a portfolio of Australian shares.
DDH Australian Small Companies Fund
This fund aims to achieve an investment return (before fees) of at least 5% pa above the S&P/ASX Small Ordinaries Accumulation Index, over rolling seven year periods, through underlying investment funds which actively manage a portfolio of Australian shares.
DDH Fixed Interest Fund
The funds objective is to exceed the performance of a portfolio of highly rated Australian fixed interest securities by investing in a diversified, medium risk portfolio of Australian and international higher yielding fixed interest securities and derivatives.
DDH Global Fixed Interest Alpha Fund
The funds objective is to invest actively across the broadest possible interest rate and credit market set of opportunities, using derivatives to achieve diversified, global sources of return.
DDH Cash Fund
The DDH Cash Fund's objective is to allow investors to access the interest rate returns available from "at-call" deposit accounts held with the Bank of Queensland. As an interest rate only product, there are no capital growth components to the return to investors.
The DDH Cash Fund aims to produce an interest rate return for investors of no less than 0.5% (after management fees) below the Reserve Bank of Australia Cash Rate.
Key Features
- Minimum investment: $2,000 lump sum or $500 for regular saving plans
- No establishment or exit fees
- Contribution fee: 0% to 3.3% (if invested via a financial adviser )
- MER: 0.22% to 1.55%pa depending on Fund (excluding performance fees)
- Distributions: Monthly, quarterly or semi-annual depending on the Fund
- Regular Saving Plan facility
- Switches: Unlimited