General questions

How does a client get a new Investor Online PIN?

Clients can reset their own PIN using the 'Forgotten PIN?' link on the Investor Online login screen, www.investoronline.info

Alternatively, our Customer Relations team can re-issue a client's PIN if they've lost or forgotten it. Clients should call 1800 998 185.

How can a client provide their TFN?

A client can provide their TFN for their account:

  • via Investor Online at Account > Manage my account> Change TFN Details
  • by calling our Customer Relations team on 1800 998 185
  • by contacting their adviser.

Can a client pre-pay interest on a margin lending facility attached to a eWRAP/Infinity eWRAP Investment account?

Yes. You can pre-pay part of their gearing loan for 3, 6, 9, or 12 months at any time during the year through AdviserNET > Transact Online.

30 June processing and transactions

How can I update a client's gainfully employed status?

If your client is aged 65-75 and would like to submit a personal or spouse contribution for current financial year, please update the 'gainfully employed' status [via AdviserNET > Transacting > Account Amendment] before the contribution is made.

Alternatively, your client can call our Customer Relations team directly on 1800 998 185 to update their status over the phone.

Note: The 'gainfully employed' status needs to be updated each new financial year if a client wants to make further personal or spouse super contributions.

How do I view a client's super contributions made this financial year?

You can follow this process to quickly and easily create a report to see all rollover, taxed and untaxed contributions for your clients this financial year.

What happens if a client’s employment status hasn’t been confirmed?

We can only accept personal and spouse contributions for clients aged between 65 and 75 if we've been notified this financial year they're 'gainfully employed'.

If we receive a personal or spouse contribution for a client this age (via their employer, direct debit etc) and their gainful employment status hasn't been confirmed, we'll attempt to contact you or your client directly.

If we're unable to confirm the client's employment status, the contribution will be returned.

Client mailings (eg annual pension review, PTDNs)

Is gearing available on Asgard Investment Funds and Elements Investment Accounts?

No. The gearing facility on Asgard Investment Funds and Elements Investment Accounts was closed in 2016.

Clients who had a gearing facility were sent a flyer in April 2016 notifying them of the Asgard gearing facility wind up.

What’s in the annual pension review letter?

The letter outlines the client's:

  • pension payment options for the coming financial year (minimum, maximum or fixed)
  • current pension payment option
  • taxable income received in the previous financial year :
  • gross and net amounts
  • total tax and rebate amounts
  • deductible balance used for the year
  • PAYG payment summary
  • account balance as at 1 July.

Note: If a client had no taxable income for the previous financial year, they won't receive a PAYG payment summary or tax information with their letter.

Can I find a sample annual pension review letter online?

Yes - on the 'Annual pension review' and 'Documents and guides' pages of this site and on:

  • AdviserNET via Products > Select a Pension product > Samples tab
  • AdviserNETgain via Information > Product information > Select a Pension product > Samples tab

How can I change a client’s pension arrangements in time for the July payment?

New pension payment amounts are calculated on 1 July, so you can view your clients' new pension payment details for the 2019-2020 financial year from Monday 1 July on the AdviserNET/AdviserNETgain 'Pension details' screen (Accounts > Account enquiry > Pension details).

Clients can view their new pension payment details on Investor Online.

You can quickly and easily make changes to clients' pension payment details via the AdviserNET/AdviserNETgain 'Change Account Details' screen (Transacting > Account options > Change account details).

The last date for requesting changes to your clients' pension details (before the first payment is made in the new financial year) is 12 July 2019.

Which pension clients receive a PAYG payment summary?

PAYG payment summaries are posted to some pension clients with their annual pension review letter.

A PAYG payment summary will be posted to your pension clients who:

  • were aged 59 or less throughout the 2018-2019 financial year
  • turned 60 during the 2018-2019 financial year and received income payments before turning 60 (PAYG will only include income payments received by your client before their 60th birthday).
  • Payments received by clients aged 60 or over are tax free and don't need to be included in their tax return.  A PAYG payment summary won't be posted to your pension clients who:
  • were aged 60 or over as at 1 July 2019
  • turned 60 during the 2018-2019 financial year and didn't receive any income payments before turning 60.

How can my clients claim a tax deduction for personal super contributions?

Subdivision 290-C of the Income Tax Assessment Act 1997 specifies the requirements for claiming a tax deduction for personal contributions made to superannuation.

Clients need to:

  • provide a valid Notice of Intent to claim or vary a deduction for personal super contributions ('Notice') to the trustee of their super fund
  • receive an acknowledgement letter from their super fund confirming the amount being claimed as a deduction.

You may see the following terminology used to describe the process:

  • Personal Super Contributions Deduction
  • Personal Tax Deduction Notices (PTDNs)
  • S290s

Who receives an EOFY Notice of intent to claim or vary a deduction for personal super contributions?

The EOFY mailing reaches all clients who have made personal contributions (Member Deducted or Member Undeducted) to their super account during the financial year.

The clients will receive:

  • Important information about claiming your tax deduction (instructions)
  • A Notice of intent to claim or vary a deduction for personal super contributions form
  • A How to complete your (Notice) - investor flyer

You can find sample letters and forms under Adviser Resources.

When does a client need to complete a Notice?

A client needs to complete a Notice if they intend to claim a tax deduction for personal contributions they have made to super during the financial year.

Clients can send us a valid Notice provided they:

  • haven't lodged their income tax return for the year in which the contribution was made.
  • send the Notice to us before the end of the next financial year (ie 30 June 2020 for contributions made in the 2018/2019 financial year).
  • haven't closed their super account.
  • haven't transferred all or part of their super account to a pension account.
  • haven't made a partial withdrawal (rollover or lump sum) that includes the contributions.

What is the process at EOFY?

  • At EOFY we send all clients who have made personal contributions, whether member deducted or member undeducted, a 'Notice of intent to claim or vary a deduction for personal super contributions' (Notice) which includes important information about claiming a tax deduction and a form.
  • After the EOFY mailout, clients may return a completed form to us - signing the 'Intention to claim a tax deduction' declaration - to advise the amount of personal contributions they intend to claim.
  • If clients wish to reduce the amount they intend to claim as a deduction, (provided all other conditions are met), they need to use the form - signing the 'Variation of a previous valid deduction notice' declaration. The variation doesn't alter the previous notice, but replaces the previous notice.
  • After receiving a completed valid notice, we send clients an 'Acknowledgement of notice of intent to claim or vary a deduction for personal super contributions' letter. Clients must receive this Acknowledgement letter before they're able to claim a tax deduction on their tax return.

Note:

  • If a client withdraws part of their super benefit (as a rollover or cash lump sum), a proportion of all contributions made will be considered included in the partial withdrawal. This means after a client takes a partial withdrawal, the super fund no longer holds the full amount of the client's personal contributions prior to the withdrawal. Following a partial withdrawal, clients can only provide a 'Notice of intent to claim or vary a deduction for personal super contributions' for the proportion of their personal contributions remaining in their account (this amount will be calculated using a statutory formula).
  • Clients can't lodge a form after their account is closed.

What are the AdviserNET steps to process a Notice?

Whether submitting a Notice for their client at the EOFY, when a client is making a contribution, prior to the client making a withdrawal or at any other time throughout the year, the AdviserNET steps are:

AdviserNET Home > Account Enquiry > Personal contributions summary and click on the Personal super contributions deduction notice link

OR

Transacting > Deposit /contribution > Personal super contributions deduction notice and click on the Start working button

Can I reprint all Notice-related client correspondence from AdviserNET?

Yes. To find a client's Notice related correspondence on AdviserNET select the relevant client and then choose 'Investor correspondence' from the drop down menu in Account enquiry.

For clients, Investor Online > Home > Account> Investor correspondence

Where can I find the status of a client's personal contributions?

You can find a client's overall status for a specific financial year on the Personal contributions summary screen via the following AdviserNET pathways:

  • AdviserNET > Accounts > Account enquiry > Transaction details > Select client
  • AdviserNET > Accounts > Account enquiry > Personal contributions summary
  • AdviserNET > Transacting > Deposits/contributions > Personal super contributions deduction notice

What happens if a Notice isn’t submitted?

In late October each year, we automatically change the Member Deducted contributions to Member Undeducted contributions if we haven't received a valid Notice. The change reflects the fact the client have not, at that time, told us they intend to claim a tax deduction for those contributions. If the client is affected we'll confirm the change with them in writing.

However, clients can still send us a valid Notice provided they:

  • haven't lodged their income tax return for the year in which the contribution was made.
  • send the Notice to us before the end of the next financial year (ie 30 June 2020 for contributions made in the 2018/2019 financial year).
  • haven't closed their super account.
  • haven't transferred all or part of their super account to a pension account.
  • haven't made a partial withdrawal (rollover or lump sum) that includes the contributions.
  • haven't applied to split the contribution for which they intend to claim a deduction.

Do you send any reminders to complete a Notice to claim a deduction for personal super contributions?

Yes. Each September we send Account Action Advice (AAA) reminder messages to all AdviserNET users, whose clients have received a Notice as part of the EOFY mailout, but have not submitted a valid Notice.

You will be able to view the AAAs on AdviserNET > Transacting > Transaction Tracking > Account Actions.

Clients will be able to view their Account actions on Investor Online > Transactions > Account Actions

Where can I find more information about the Notice process?

Our adviser guide walks through the process of providing a valid Notice of intent to claim or vary a deduction for personal super contributions (Notice) on behalf of your clients.

The guide is available on AdviserNET at:

  • Resources > Toolkits > Asgard Personal super contributions deduction toolkit
  • Forms > Select relevant Super product > Deposits/Contributions > Personal super contributions deduction - click 'Personal super contributions deduction guide' link

Investor Reports

When do the Annual Investor Reports start mailing?

Investor Reports for the period ending 30 June 2019 will begin mailing on Monday 22 July.

Note: Accounts closed in July prior to our data extract date (8 July 2019) won't receive an Investor Report. They'll receive a Client Benefit Statement on closure. For a copy of the Client Benefit Statement, refer to AdviserNET > Reporting > Client reports > Closed accounts.

Will my clients receive anything with their Investor Report?

If we're legally required to tell your clients something (eg we need to notify them about a change to the product they're invested in) they may receive a flyer or brochure with their Investor Report.

Please refer to our Investor Reports page closer to the mailing date for details.

Where are Investor Reports mailed?

Investor Reports are mailed to you or your client, but not to both. Where we send a client's Investor Report depends on the election they've made. You can find a client's election on the AdviserNET/AdviserNETgain 'Account details' screen (Accounts > Account enquiry > Account details).

Note: Clients who have switched to eStatements receive an eStatement notification email when their Investor Report and any other important information is available to view and download via Investor Online, instead of a report in the mail.

Are Investor Reports available online?

Yes. Copies of Investor Reports are published:

  • for advisers on AdviserNET via Accounts > Account Enquiry > Investor correspondence
  • for advisers on AdviserNETgain via Select client > Established clients > Account reports > Investor correspondence
  • for clients on Investor Online > Account > Investor correspondence

Where do I find the Axis eNewsletter?

Axis eNewsletter is published online on asgard.com.au/axis

What is the ‘Statement of Long Term Returns’?

Legally, we need to give Super/Pension* investors a Statement of Long Term Returns. Their Investor Report details the one, three, five and ten-year rate of return for their holdings as at 30 June.

* The Statement of Long Term returns isn't required in the Asgard Corporate Super Service - Employer report.

How are the rates of return calculated?

The rates of return are the compound average effective rates of return based on the most recent unit price information provided by fund managers and believed to be reliable.

The returns are presented after deducting investment manager fees (including GST) and any superannuation fund income tax applicable, but before deducting our ongoing fees and expenses. Past performance is not an indication or guarantee of future performance.

What are distributions?

Fund managers generally pay a distribution to investors at the end of the financial year (30 June). This can be done via:

Income - the managed fund earns income on its underlying assets which is distributed to investors (generally at the end of each financial quarter, ie December, March, June and September).

Capital gains - the managed fund generates capital gains by selling assets at a profit and distributes those gains to investors (generally after the end of the financial year, ie after 30 June).

What do we need to process a distribution?

We need all of the following information from a fund manager before we can begin to process the distributions for a managed fund:

  • Distribution statement
  • Distribution payment
  • Cents per unit details
  • Reinvest unit price details
  • The number of units allocated for reinvestment
  • The time period specified for the distribution (monthly, quarterly, half-yearly or annually)

If any of this information is missing we'll follow up with the fund manager as we can't process the distribution until all of the information is received.

How do distributions affect a client’s account value?

From 1 July, while we're waiting to receive distribution information and payment from fund managers, the value of a client's investments may drop.

The size of the drop for each managed fund they hold generally relates to the size of the distribution the fund manager has decided to pay to investors.

The important thing to remember is that, with the exception of any market movements, the value of their account will return to what it was at the end of the financial year (30 June), once the distributions are credited to their account

Which products are eStatements/Online communications being offered to?

eStatements are available for all Asgard Super, Pension and Investment Accounts.

If a client opts-in to eStatements, what does that mean?

It means that instead of sending a paper copy of their Investor Report in the post, we'll send an eStatement notification email to the client when it's available on Investor Online.

As we're progressively moving to eStatements, clients will still get other reports, statements and letters by mail.

How do clients opt-in to eStatements?

Clients can opt-in to eStatements:

  • via Investor Online at Account > Manage my account > Change account details
  • by calling us on 1800 998 185
  • by contacting their adviser who can use AdviserNET to update their account details.

Please note - if a client hasn't already provided a valid email address, they'll need to update their account details with one

I'm an adviser and currently receive my clients’ Investor Reports in the post. Will that continue if a client opts-in to eStatements?

No. If a client opts-in to eStatements, we won't post a paper copy of their Investor Report at all.

However, copies of Investor Reports are still published online:

  • for advisers on AdviserNET via Accounts > Account Enquiry > Investor correspondence
  • for advisers on AdviserNETgain via Select client > Established clients > Account reports > Investor correspondence
  • for clients on Investor Online > Account > Investor correspondence.

If a client opts-in to eStatements, will all paper correspondence from Asgard stop?

No. eStatements are currently in place for Investor Reports only.

As we're progressively moving to eStatements, other reports and correspondence will still be sent by mail

My client has two AESA accounts, their original one and their MySuper one. Can they opt-in to eStatements on one but not the other?

No. As the AESA dual profile is considered a single interest any instruction for the one account needs to carry through to the other one.

My client has multiple accounts. Do they need to opt-in to eStatements for each one separately?

Yes. If a client has multiple accounts, their preference for reports and information on each one needs to be changed to 'Online' to receive eStatements

Tax Reports

When do the Annual Tax reports start mailing?

Tax Reports are released in tranches. Once we have a reasonable number of reports ready for release, we issue a tranche (usually every 2-3 weeks).

This year we anticipate mailing our first tranche of Tax Reports on Wednesday 24 July

What are the scheduled release dates for the 2018/2019 Tax Reports?

Our estimated release date (Australia Post lodgement) for each main 2018/2019 Tax Report tranche is listed below. Additional tranches will follow as needed until all Tax Reports have been released.

Tranche 1 - Wednesday 24 July

Tranche 2 - Wednesday 14 August

Tranche 3 - Wednesday 28 August

Tranche 4 - Wednesday 18 September

Tranche 5 - Wednesday 2 October 

Why are Tax Reports released in tranches?

To produce Tax Reports we rely on the receipt of tax components from the fund manager or share registry of every managed fund or share an investor is, or was, invested in during the financial year.

Once this information is received, there are a number of steps we need to follow to ensure the accuracy of the information we provide. This means some Tax Reports may be ready for release earlier than others. Once we have a reasonable number of reports ready for release, we issue a tranche (usually every 2-3 weeks).

Who'll receive a Tax Report in each tranche?

You can use our Tax Report look-up tool to view the date we expect a client's Tax Report to be available and find confirmation if a client's Tax Report is already available.

The Tax Report look-up tool will open mid-July.

Each tranche includes Tax Reports of clients for whom we've received all required tax information from the investment manager of every managed fund or share a client held during the financial year, by our internal cut-off date for processing that tranche

Where are Tax Reports mailed?

Tax Reports are mailed to you or your client, but not to both. Where we send a client's Tax Report depends on the election they've made. You can find a client's election on the AdviserNET/AdviserNETgain 'Account details' screen (Accounts > Account enquiry > Account details).

Do closed accounts receive a Tax Report?

Any client who has a taxable transaction on their account during the 2018-2019 financial year will receive a Tax Report. This means clients with closed accounts could receive a Tax Report.

Are Tax Reports available online?

Yes. Once issued, copies of Tax Reports are published:

  • for advisers on AdviserNET via Accounts > Account Enquiry > Investor correspondence
  • for advisers on AdviserNETgain via Select client > Established clients > Account reports > Investor correspondence
  • for clients on Investor Online at Account > Investor correspondence

What do you need to produce Tax Reports?

There are a number of steps involved in producing Tax Reports. Before we can determine an investor's tax position and produce their Tax Report, we need to:

  • process all June distributions for the year to their account. These distributions are generally received in July and August but some aren't received until a later date.
  • receive and confirm 30 June closing prices for all their investments
  • process any final distributions for the year to their account
  • settle all buy and sell trades for the year
  • receive audited tax statements including all taxation components from the investment manager of every managed investment the investor holds
  • review the tax components statement to confirm their individual tax implications
  • ensure the correct tax treatment has been applied to any corporate actions the client has participated in during the year
  • complete a detailed review of the above information to ensure correct tax treatment has been applied.

Is any other correspondence mailed with the Tax Reports?

No, we'll only mail a client's Tax Report.

The Tax Report Guide is available online:

  • under 'Adviser resources' on this site
  • on AdviserNET via Products > Select an investment product > Samples tab
  • on AdviserNETgain via Information > Product information > Select an investment product > Samples tab
  • in the 'Your EOFY information centre' accessed from the homepage of Investor Online for clients.

Why are some Tax Reports delayed?

A client's Tax Report can be delayed if:

They hold a listed unit trust that hasn't paid its final distributions for the 2018-20189 financial year. These distributions are taxable for the 2018-2019 financial year and must be included in the Tax Report, but many of the trusts don't pay their distributions until August/September/October.

The fund manager or trust of managed funds and listed unit trusts they hold didn't issue their final tax information for the 2018-2019 financial year in time for us to include their Tax Report in a tranche.

It requires final checking and verification to ensure the accuracy of the information they receive before it's released

Which investment managers haven't provided information required to produce Tax Reports?

From July, you'll find our 'Income distributions & tax components tracker' on this site. The spreadsheet shows which investment managers have outstanding tax components.

If a client holds (or held during the financial year) any one of the assets listed in the spreadsheet with an outstanding 'Audited Tax Component', their Tax Report will be delayed until we receive this information.

Are there any funds or issues which could delay Tax Reports?

Yes. Lend Lease Group stapled securities (ASX code LLC) consist of shares in Lend Lease Corporation Limited (LLC) and units in Lend Lease Trust (LLT).

We expect LLT to pay a final trust distribution relating to the 2018-2019 financial year in late September 2019.

If your client:

  • holds LLT units as at 30 June 2019 their Tax Report will be delayed until after we receive the distribution in September 2019
  • doesn't hold LLT units as at 30 June 2019 we'll release their Tax Report as per our usual process. If your client then invests and receives a distribution from LLT after we've released their Tax Report, we'll reissue an amended Tax Report (mailed to you or your client, depending on the election they've made).

How to check if a client holds a particular fund

You can check whether a client holds a fund on AdviserNET at Reporting > Business Reports > FUA by Investment.

Is the Tax Report Guide online?

Yes. Once it's available, you'll find the Tax Report Guide:

  • under 'Adviser resources' on this site
  • on AdviserNET via Products > Select an investment product > Samples tab
  • on AdviserNETgain via Information > Product information > Select an investment product > Samples tab
  • in the 'Your EOFY information centre' accessed from the homepage of Investor Online for clients.

Is there a tax guide for Super and Pension accounts?

Yes, our 'Tax and administration benefits in Super and Pension accounts' guide is currently being updated. It contains information on individualised tax treatment, franking credits, higher payments to beneficiaries on death (anti-detriment payment), year-end tax adjustments and more.

Once it's available, you can find the guide:

  • under 'Adviser resources' on this site
  • on AdviserNET at Products > Select a Super/Pension product > Overview tab
  • on the homepage of Investor Online for clients.

Do I need to lodge a tax return amendment? How do I do it?

Please refer to the ATO for information specific to the client's situation.

Is tax data available for download?

Yes. Advisers can download tax data via our AdviserNET EPI and BGL download facilities on the Friday of each week a Tax Report tranche is released.

PAYG Statements - Investment accounts

When are PAYG statements available?

PAYG statements are produced for Investment Accounts after the end of each quarter (ie December, March, June and September).

They're generally available on 12 January, 12 April, 12 July and 12 October.

Where are PAYG statements mailed?

PAYG statements are only mailed for Master Trust and Elements Investment Accounts. They're mailed to you or your client, but not to both.

Where we send a client's statement depends on the election they've made. You can find a client's election on the AdviserNET/AdviserNETgain 'Account details' screen (Accounts > Account enquiry > Account details).

We don't mail PAYG statements for eWRAP Investment or Infinity eWRAP Investment Accounts - they're available online.

Are PAYGs available online?

Yes. Copies of PAYGs are published:

  • for advisers on AdviserNET via Accounts > Account Enquiry > Investor correspondence
  • for advisers on AdviserNETgain via Select client > Established clients > Account reports > Investor correspondence
  • for clients on Investor Online for clients at Account > Investor correspondence.

Margin Lending Statements

When are Margin Lending Statements available?

Margin Lending statements for Asgard eWRAP/Infinity eWRAP Investment Account holders with an eWRAP Margin Lending facility on their account are produced after the end of each quarter (ie December, March, June and September)

They're generally available on 27 January, 27 April, 27 July and 27 October.

Where are Margin Lending Statements mailed?

Margin Lending Statements are mailed directly to clients, not to advisers.

Are Margin Lending Statements available online?

Yes. Copies of the statements are published:

  • for advisers on AdviserNET via Accounts > Account Enquiry > Investor correspondence
  • for advisers on AdviserNETgain via Select client > Established clients > Account reports > Investor correspondence
  • for clients on Investor Online at Account > Investor correspondence.

Annual Audit Reports

What are the Annual Audit Reports?

Audit Reports contain important information about the type of account an investor holds which we're legally required to make available to investors by 30 September each year.

We produce an Annual Audit Report for each of the following products:

  • Asgard Trustee Funds Account
  • Asgard eWRAP - Investment Account (includes Infinity eWRAP Investment)
  • Asgard Investment Funds Account (includes Elements Investment)

When are the Annual Audit Reports for Investment accounts available?

The Annual Audit Report for each type of Investment account will be available by 30 September.

Are the Annual Audit Reports available online?

Yes. The Audit Reports are published on:

  • AdviserNET via Products > select an investment product > Samples tab
  • AdviserNETgain via Information > Product information > select an investment product > Samples tab
  • the homepage of Investor Online for clients.

Where can I find the full financial statement for the Audit Report?

The full financial statement, 30 plus pages of detailed financial information, for the Asgard Investment Funds Account will be made available on the homepage of Investor Online by 30 September each year.

Annual Super Pension Report

What is the Annual Super Pension Report?

The Annual Super Pension Report contains important information about our Asgard Super/Pension products which we're legally required to make available to investors by 31 December each year.

We produce one Asgard Super and Pension Account Annual Report which covers the following products:

Managed Profiles and Separately Managed - Accounts Funds - Super/Pension

  • Elements - Super/Pension
  • eWRAP and Infinity eWRAP - Super/Pension
  • Employee Super (Managed Profiles and Separately Managed Accounts - Funds)
  • Rollover Service

When is the Annual Super Pension Report available?

The Asgard Super and Pension Account Annual Report will be available by 31 December

What’s in the Annual Super Pension Report?

The Annual Super Pension Report gives investors an overview of how their fund performed over the year. It contains important information such as:

  • Background information about Asgard
  • Recent legislative changes
  • Product information
  • Information about making enquiries or complaints
  • Operating statement and statement of financial position as at 30 June.

The Annual Super Pension Report doesn't include details of clients' personal portfolios. This information is provided in their Investor Report which they receive separately (generally late in July).

Is the Annual Super Pension Report available online?

Yes. The Asgard Annual Super Pension Report is published on:

  • AdviserNET via Products > select a Super/Pension product > Samples tab
  • AdviserNETgain via Information > Product information > select an investment product > Samples tab
  • the homepage of Investor Online for clients

Useful documents

Contact us

More information

Privacy Policy

Please refer to the Asgard Privacy Policy.

Disclaimer

Asgard is a member of the Westpac Banking Corporation ('Westpac') group of companies, which includes Westpac, St.George Bank - a Division of Westpac Banking Corporation ('St.George'), Securitor Financial Group Limited, Westpac Life Insurance Services Limited, Westpac Securities Administration Limited, Westpac Funds Management Limited, BT Funds Management Limited, BT Investment Management (RE) Limited, Advance Asset Management Limited, BT Financial Group Pty Limited, Magnitude Group Pty Limited, BT Portfolio Services Limited, BT Life Limited, BT Securities Limited, and other entities which provide various financial, funds management, insurance, superannuation, investment and administrative services from time to time ('Westpac Group').


Unless otherwise disclosed in the offer document for the relevant financial product, a financial product or service issued or offered by Asgard is not a deposit with, investment in or other liability of Westpac, nor any other company within the Westpac Group.  They are subject to investment risk, including possible delays in repayment and loss of income and principal invested.  Neither Westpac nor any other company within the Westpac Group has issued, stands behind or otherwise guarantees the capital value or investment performance of any financial product or service issued or offered by Asgard.

While the information displayed on this website is based on information obtained from sources which are believed to be reliable, it has not been independently verified and no warranties are given that it is complete, accurate, up to date or fit for the purpose for which it is required. It should be noted that past performance is not necessarily indicative, nor a guarantee, of future performance. All information displayed on the website, including but not limited to product and service information, fees, unit and share prices, gearing and interest rates, tax information and performance figures, is subject to change without notice.

To the maximum extent permitted by law, neither Westpac nor any other company within the Westpac Group will be liable to any party in contract, tort (including for negligence) or otherwise for any loss or damage arising either directly or indirectly as a result of reliance on, use of or inability to use any information displayed on this website. Where liability cannot be excluded by law then, to the extent permissible by law, liability is limited to the resupply of the information or the reasonable cost of having the information resupplied.

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Asgard is the issuer of the Asgard accounts and services referred to on this website.  In deciding whether to open, or to continue to hold, an Asgard account or service, you should consider the relevant Product Disclosure Statement or Financial Services Guide issued by Asgard. Copies can be obtained from Asgard or a financial adviser.

Westpac is the issuer of eCASH, CASH Connect, Fixed Term Deposits and the Money Market Investment Account.  In deciding whether to invest in, or to continue to hold, one or more of these deposit products, you should consider the relevant Product Disclosure Statement (or other offer document) issued by Westpac.  Copies can be obtained from Asgard or a financial adviser.

The investment information and advice ('advice') displayed or given on this website is general infomration and general advice only and does not take into account any person's personal objectives, financial situation or needs and, because of that, you should, before acting on the advice, consider whether the advice is appropriate for you, having regard to these factors. You should also consider obtaining independent legal, financial and/or other professional advice before making a decision in relation to any investment.

Information about the relationships between Asgard and other Westpac Group companies and the remuneration (including commission) or other benefits that they and any other person can receive in respect of, or that is attributable to, the financial services they provide is set out in the general Financial Services Guide issued by Asgard.

Third party information and links
Some of the information displayed on this website may be provided by third parties who are not related to any company within the Westpac Group ('Third Party Information'). Neither Westpac nor any company within the Westpac Group is in any way responsible for and does not guarantee the quality or accuracy of any Third Party Information.

This website may also contain links to websites operated by third parties ('Third Parties') who are not related to the Westpac Group ('Third Party Websites'). These links are provided for convenience only and do not represent any endorsement or approval by the Westpac Group of those Third Parties or the information, products or services displayed or offered on the Third Party Websites.To the maximum extent permitted by law, neither Westpac nor any other company within the Westpac Group will be liable to any party in contract, tort (including for negligence) or otherwise for any loss or damage arising either directly or indirectly from reliance on, the use of or inability to use any Third Party Information or Third Party Websites.