Smartshares Total World ETF

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Type: Aggressive fund
Past Returns: 12.66%

Average annual returns over the past 3 years, after fees and taxes. * indicates less than 3 years of data.

Annual Fees: 0.4%

Annual fees, including management and administration fees, but not membership fee.

The graph below shows the percentage of the fund invested in each of the worst issues of concern to New Zealanders. Below the graph are listed all the companies this fund invests in, by issue of concern.

Fossil Fuel

Aes Corporation 0.02%
Agl Energy Limited 0.01%
Algonquin Power & Utilities Corp. 0.02%
Alleghany Corporation 0.01%
Alliant Energy Corp 0.02%
Altagas Ltd. 0.01%
Ameren Corporation 0.04%
American Electric Power Company, Inc. 0.08%
Anglo American PLC 0.05%
Apa Group 0.02%
Apache Corporation 0.01%
Arcelormittal SA 0.02%
Atmos Energy Corporation 0.02%
Ayala Corp. 0.01%
BHP Group Ltd 0.12%
BHP Group PLC 0.07%
BP P.L.C. 0.09%
Basf Se 0.09%
Bharat Petroleum Corporation Limited 0.01%
Black Hills Corporation 0.01%
Bollore SA 0.01%
Cabot Oil & Gas Corporation 0.01%
Canadian Natural Resources Limited 0.03%
Canadian Utilities Limited Class A 0.01%
Cenovus Energy Inc. 0.01%
Cez As 0.01%
Cheniere Energy, Inc. 0.02%
Chevron Corporation 0.24%
China Petroleum & Chemical Corporation Class H 0.02%
China Shenhua Energy Co. Ltd. Class H 0.01%
Chubu Electric Power Company,Incorporated 0.01%
Chugoku Electric Power Co., Inc. 0.01%
Citic Limited 0.01%
Citic Securities Co. Ltd. Class A 0.01%
Citic Securities Co. Ltd. Class H 0.01%
Ck Hutchison Holdings Ltd 0.03%
Clp Holdings Limited 0.03%
Cms Energy Corporation 0.03%
Cnooc Limited 0.03%
Coca-Cola Amatil Limited 0.01%
Coca-Cola Company 0.33%
Concho Resources Inc. 0.01%
Conocophillips 0.05%
Devon Energy Corporation 0.01%
Diamondback Energy, Inc. 0.01%
Dominion Energy Inc 0.12%
Dte Energy Company 0.04%
Edp-Energias De Portugal SA 0.02%
Electricite De France SA 0.01%
Emera Incorporated 0.02%
Empresas Copec S.A. 0.01%
Enagas SA 0.01%
Enbridge Inc. 0.10%
Enel Americas S.A. 0.01%
Enel Spa 0.11%
Eneos Holdings, Inc. 0.02%
Engie SA. 0.04%
Eni S.P.A. 0.03%
Eog Resources, Inc. 0.04%
Eqt Ab 0.01%
Eqt Corporation 0.01%
Equinor Asa 0.02%
Equitrans Midstream Corp. 0.01%
Evergy, Inc. 0.02%
Exxon Mobil Corporation 0.24%
First Quantum Minerals Ltd. 0.01%
Firstenergy Corp. 0.03%
Formosa Petrochemical Corp 0.01%
Fortis Inc. 0.03%
Fortum Oyj 0.01%
Franco-Nevada Corporation 0.05%
Galp Energia Sgps SA Class B 0.01%
Gazprom PJSC 0.01%
Gazprom PJSC Sponsored Adr 0.03%
Glencore PLC 0.04%
Guangdong Investment Limited 0.01%
Hess Corporation 0.02%
Hong Kong & China Gas Co. Ltd. 0.03%
Iberdrola SA 0.12%
Idacorp, Inc. 0.01%
Idemitsu Kosan Co., Ltd. 0.01%
Imperial Oil Limited 0.01%
Inpex Corporation 0.01%
Inter Pipeline Ltd. 0.01%
Itochu Corporation 0.06%
Keyera Corp. 0.01%
Kghm Polska Miedz S.A. 0.01%
Kinder Morgan Inc Class P 0.04%
Korea Electric Power Corporation 0.01%
Kyushu Electric Power Company,Incorporated 0.01%
Lg Corp 0.01%
Loews Corporation 0.01%
Lundin Energy Ab 0.01%
Lyondellbasell Industries Nv 0.03%
Marathon Oil Corporation 0.01%
Marathon Petroleum Corporation 0.03%
Marubeni Corporation 0.01%
Mdu Resources Group Inc 0.01%
Mitsubishi Corporation 0.05%
Mitsui & Co.,Ltd 0.05%
National Fuel Gas Company 0.01%
Naturgy Energy Group, S.A. 0.01%
Neste Corporation 0.04%
Nextera Energy, Inc. 0.25%
Nippon Steel Corp. 0.01%
Novatek Jsc 0.02%
Nrg Energy, Inc. 0.01%
OMV AG 0.01%
Occidental Petroleum Corporation 0.01%
Oge Energy Corp. 0.01%
Oil Company Lukoil PJSC Sponsored Adr 0.03%
Oil Search Limited 0.01%
Oneok, Inc. 0.02%
Origin Energy Limited 0.01%
Orix Corporation 0.03%
Orsted 0.05%
Osaka Gas Co., Ltd. 0.01%
Parkland Corporation 0.01%
Parsley Energy, Inc. Class A 0.01%
Pembina Pipeline Corporation 0.02%
Petrochina Company Limited Class H 0.01%
Phillips 66 0.04%
Pinnacle West Capital Corporation 0.02%
Pioneer Natural Resources Company 0.02%
Pnm Resources, Inc. 0.01%
Polski Koncern Naftowy Orlen S.A. 0.01%
Portland General Electric Company 0.01%
Posco 0.02%
Power Assets Holdings Limited 0.01%
Ppl Corporation 0.04%
Pt Astra International Tbk 0.01%
Ptt Exploration & Production PLC 0.01%
Ptt Public Co., Ltd. 0.02%
Reliance Industries Limited 0.07%
Reliance Industries Limited Sponsored Gdr 144A 0.08%
Repsol SA 0.02%
Rh 0.01%
Rio Tinto Limited 0.04%
Rio Tinto PLC 0.11%
Rosneft Oil Co. Sponsored Gdr Regs 0.01%
Royal Dutch Shell PLC Class A 0.09%
Royal Dutch Shell PLC Class B 0.08%
Royal Vopak Nv 0.01%
Rubis Sca 0.01%
Rwe AG 0.04%
Samsung C&T Corp 0.01%
Santos Limited 0.01%
Sasol Limited 0.01%
Saudi Arabian Oil Company (Saudi Aramco) 0.04%
Sk Innovation Co., Ltd 0.01%
Snam S.P.A. 0.02%
Sojitz Corp. 0.01%
South32 Ltd. 0.01%
Southern Copper Corporation 0.01%
Sse PLC 0.03%
Sumitomo Chemical Co., Ltd. 0.01%
Sumitomo Corporation 0.02%
Suncor Energy Inc. 0.03%
Surgutneftegas PJSC Sponsored Adr 0.01%
Taiwan Cement Corp. 0.01%
Targa Resources Corp. 0.01%
Tatneft PJSC Sponsored Adr 0.01%
Tc Energy Corporation 0.07%
Teck Resources Limited Class B 0.01%
Tenaga Nasional Bhd 0.02%
Total Se 0.13%
Tourmaline Oil Corp. 0.01%
Ugi Corporation 0.01%
Uniper Se 0.01%
Upm-Kymmene Oyj 0.03%
Valero Energy Corporation 0.03%
Verbund AG Class A 0.01%
Vistra Corp. 0.02%
Wec Energy Group Inc 0.06%
Williams Companies, Inc. 0.04%
Woodside Petroleum Ltd 0.02%
Xcel Energy Inc. 0.06%


Airbus Se 0.07%
Amphenol Corporation Class A 0.06%
Axon Enterprise Inc 0.01%
Ayala Corp. 0.01%
Bae Systems PLC 0.03%
Boeing Company 0.14%
Booz Allen Hamilton Holding Corporation Class A 0.02%
Bwx Technologies, Inc. 0.01%
Caci International Inc Class A 0.01%
Canadian Tire Corporation, Limited Class A 0.01%
Curtiss-Wright Corporation 0.01%
Dick'S Sporting Goods, Inc. 0.01%
Elbit Systems Ltd 0.01%
Exor N.V. 0.01%
Flir Systems, Inc. 0.01%
General Dynamics Corporation 0.06%
Hangzhou Hikvision Digital Technology Co., Ltd Class A 0.01%
Heico Corporation 0.01%
Heico Corporation Class A 0.01%
Honeywell International Inc. 0.20%
Howmet Aerospace Inc. 0.01%
Huntington Ingalls Industries, Inc. 0.01%
Ii-Vi Incorporated 0.01%
Jacobs Engineering Group Inc. 0.02%
Jfe Holdings, Inc. 0.01%
L3Harris Technologies Inc 0.06%
Larsen & Toubro Ltd. 0.01%
Lear Corporation 0.01%
Leidos Holdings, Inc. 0.02%
Lockheed Martin Corporation 0.15%
Mercury Systems, Inc. 0.01%
Mitsubishi Heavy Industries, Ltd. 0.01%
Northrop Grumman Corporation 0.08%
Onex Corporation 0.01%
Oshkosh Corp 0.01%
Raytheon Technologies Corporation 0.14%
Rbc Bearings Incorporated 0.01%
Rheinmetall AG 0.01%
Rolls-Royce Holdings PLC Rights Issue 20 For Rg Shares (Nil Paid) 0.01%
Safran S.A. 0.06%
Science Applications International Corp. 0.01%
Singapore Technologies Engineering Ltd 0.01%
Teledyne Technologies Incorporated 0.02%
Textron Inc. 0.01%
Thales SA 0.01%
Transdigm Group Incorporated 0.04%
Woodward, Inc. 0.01%


Alimentation Couche-Tard Inc. Class B 0.05%
Altria Group Inc 0.12%
British American Tobacco P.L.C. 0.11%
British American Tobacco PLC Sponsored Adr 0.02%
Casey'S General Stores, Inc. 0.01%
Imperial Brands PLC 0.03%
Itc Limited 0.01%
Japan Tobacco Inc. 0.04%
Philip Morris International Inc. 0.19%
Seven & I Holdings Co., Ltd. 0.04%
Swedish Match Ab 0.02%


Aristocrat Leisure Limited 0.02%
Caesars Entertainment Inc 0.01%
Churchill Downs Incorporated 0.01%
Evolution Gaming Group Ab 0.02%
Flutter Entertainment PLC 0.04%
Galaxy Entertainment Group Limited 0.02%
Gaming and Leisure Properties, Inc. 0.01%
Gvc Holdings PLC 0.01%
La Francaise Des Jeux SA 0.01%
Las Vegas Sands Corp. 0.03%
Mgm Resorts International 0.02%
Penn National Gaming, Inc. 0.01%
Sands China Ltd. 0.01%
Tabcorp Holdings Limited 0.01%
Vici Properties Inc 0.02%
William Hill PLC 0.01%
Wynn Resorts, Limited 0.01%

Adult Entertainment/Pornography

Caesars Entertainment Inc 0.01%
Mgm Resorts International 0.02%


Ambev SA 0.01%
Ambev SA Sponsored Adr 0.01%
Anheuser-Busch Inbev SA/Nv 0.08%
Asahi Group Holdings,Ltd. 0.02%
Asia Cement Corporation 0.01%
Boston Beer Company, Inc. Class A 0.02%
Brown-Forman Corporation Class B 0.02%
Budweiser Brewing Co. Apac Ltd. 0.01%
Carlsberg A/S Class B 0.02%
China Resources Beer (Holdings) Co. Ltd. 0.02%
Coca-Cola Amatil Limited 0.01%
Constellation Brands, Inc. Class A 0.05%
Davide Campari-Milano N.V. 0.01%
Diageo PLC 0.13%
Heineken Holding N.V. 0.01%
Heineken Nv 0.04%
Kirin Holdings Company, Limited 0.02%
Kweichow Moutai Co., Ltd. Class A 0.04%
LVMH Moet Hennessy Louis Vuitton Se 0.21%
Pernod Ricard SA 0.06%
Remy Cointreau SA 0.01%
Royal Unibrew A/S 0.01%
Treasury Wine Estates Limited 0.01%
Tsingtao Brewery Co., Ltd. Class H 0.01%
Want Want China Holdings Limited 0.01%
Wuliangye Yibin Co., Ltd. Class A 0.02%

Palm Oil

Posco 0.02%


Corteva Inc 0.04%

Human Rights & Environmental Violations

Adani Ports & Special Economic Zone Ltd. 0.01%
Archer-Daniels-Midland Company 0.05%
BHP Group Ltd 0.12%
BHP Group PLC 0.07%
Barrick Gold Corporation 0.08%
Bunge Limited 0.01%
Chemours Co. 0.01%
Chevron Corporation 0.24%
Duke Energy Corporation 0.12%
Elbit Systems Ltd 0.01%
Freeport-Mcmoran, Inc. 0.04%
Glencore PLC 0.04%
Grupo Mexico S.A.B. De C.V. Class B 0.02%
Ioi Corp. Bhd. 0.01%
Jbs S.A. 0.01%
Johnson & Johnson 0.64%
Kbr, Inc. 0.01%
Mmc Norilsk Nickel PJSC Adr 0.02%
Nestle India Ltd. 0.01%
Nestle S.A. 0.55%
Nutrien Ltd. 0.04%
Petrochina Company Limited Class H 0.01%
Petroleo Brasileiro SA 0.02%
Petroleo Brasileiro SA Pfd 0.03%
Petroleo Brasileiro SA Sponsored Adr Pfd 0.01%
Posco 0.02%
Pt Astra International Tbk 0.01%
Rio Tinto Limited 0.04%
Rio Tinto PLC 0.11%
Royal Dutch Shell PLC Class A 0.09%
Royal Dutch Shell PLC Class B 0.08%
Sempra Energy 0.06%
Southern Copper Corporation 0.01%
Tokyo Electric Power Company Holdings, Incorporated 0.01%
Vale S.A. 0.04%
Vale S.A. Sponsored Adr 0.02%
Wilmar International Limited 0.01%
Zijin Mining Group Co., Ltd. Class H 0.01%

Animal Testing

Aak Ab 0.010%
Air Liquide SA 0.120%
Air Products and Chemicals, Inc. 0.110%
Akzo Nobel N.V. 0.030%
Albemarle Corporation 0.020%
Altria Group Inc 0.120%
Amorepacific Corp. 0.010%
Archer-Daniels-Midland Company 0.050%
Arkema SA 0.010%
Asahi Group Holdings,Ltd. 0.020%
Ashland Global Holdings, Inc. 0.010%
Associated British Foods PLC 0.010%
Avantor, Inc. 0.020%
Avient Corporation 0.010%
Axalta Coating Systems Ltd. 0.010%
Basf Se 0.090%
Bayer AG 0.080%
Beiersdorf AG 0.020%
British American Tobacco P.L.C. 0.110%
British American Tobacco PLC Sponsored Adr 0.020%
Burberry Group PLC 0.010%
Cabot Oil & Gas Corporation 0.010%
Capri Holdings Limited 0.010%
Celanese Corporation 0.020%
Charoen Pokphand Foods Public Co. Ltd. 0.010%
Chemours Co. 0.010%
Chevron Corporation 0.240%
China Feihe Limited 0.010%
Chr. Hansen Holding A/S 0.020%
Church & Dwight Co., Inc. 0.040%
Clariant AG 0.010%
Clorox Company 0.050%
Coca-Cola Amatil Limited 0.010%
Coca-Cola Company 0.330%
Colgate-Palmolive Company 0.120%
Corteva Inc 0.040%
Covestro AG 0.010%
Croda International PLC 0.020%
Danone SA 0.060%
Dow, Inc. 0.060%
Dupont De Nemours, Inc. 0.070%
Eastman Chemical Company 0.020%
Ecolab Inc. 0.080%
Ems-Chemie Holding AG 0.010%
Entegris, Inc. 0.020%
Estee Lauder Companies Inc. Class A 0.090%
Etablissementen Franz Colruyt N.V. 0.010%
Evonik Industries AG 0.010%
Far Eastern New Century Corporation 0.010%
Fmc Corporation 0.020%
Formosa Chemicals & Fibre Corporation 0.010%
Formosa Plastics Corporation 0.020%
Fujifilm Holdings Corp 0.030%
General Mills, Inc. 0.060%
Givaudan SA 0.070%
Glaxosmithkline PLC 0.150%
Hanwha Solutions Corporation 0.010%
Hengan International Group Co., Ltd. 0.010%
Henkel AG & Co. Kgaa 0.020%
Henkel AG & Co. Kgaa Pref 0.030%
Herbalife Nutrition Ltd. 0.010%
Hermes International Sca 0.050%
Hindustan Unilever Limited 0.040%
Honeywell International Inc. 0.200%
Hp Inc. 0.050%
Huntsman Corporation 0.010%
Idemitsu Kosan Co., Ltd. 0.010%
Imperial Brands PLC 0.030%
Ingersoll Rand Inc. 0.020%
Ingredion Incorporated 0.010%
International Flavors & Fragrances Inc. 0.020%
J Sainsbury PLC 0.010%
Jeronimo Martins Sgps SA 0.010%
Johnson & Johnson 0.640%
Johnson Matthey PLC 0.010%
Kansai Paint Co., Ltd. 0.010%
Kao Corp. 0.060%
Kellogg Company 0.030%
Kerry Group PLC Class A 0.030%
Keurig Dr Pepper Inc. 0.020%
Kikkoman Corporation 0.020%
Kimberly-Clark Corporation 0.080%
Kirin Holdings Company, Limited 0.020%
Koninklijke Dsm N.V. 0.050%
Kose Corporation 0.010%
Kraft Heinz Company 0.030%
L Brands, Inc. 0.010%
L'Oreal SA 0.140%
LVMH Moet Hennessy Louis Vuitton Se 0.210%
Lanxess AG 0.010%
Lg Household & Health Care Ltd 0.020%
Linde PLC 0.200%
Lotte Chemical Corp. 0.010%
Lyondellbasell Industries Nv 0.030%
Marubeni Corporation 0.010%
Mitsubishi Gas Chemical Company, Inc. 0.010%
Mitsui Chemicals, Inc. 0.010%
Mondelez International, Inc. Class A 0.130%
Mosaic Company 0.010%
Nan Ya Plastics Corporation 0.020%
Nestle India Ltd. 0.010%
Nestle S.A. 0.550%
Nippon Paint Holdings Co.Ltd. 0.020%
Nissan Chemical Corporation 0.010%
Novozymes A/S Class B 0.020%
Nutrien Ltd. 0.040%
Orica Limited 0.010%
Orkla Asa 0.010%
PPG Industries, Inc. 0.050%
Pepsico, Inc. 0.320%
Petronas Chemicals Group Bhd. 0.010%
Philip Morris International Inc. 0.190%
Ppb Group Bhd. 0.010%
Procter & Gamble Company 0.590%
Pt Unilever Indonesia Tbk 0.010%
Puma Se 0.010%
Pvh Corp. 0.010%
Ralph Lauren Corporation Class A 0.010%
Reckitt Benckiser Group PLC 0.100%
Reliance Industries Limited 0.070%
Reliance Industries Limited Sponsored Gdr 144A 0.080%
Ricoh Company, Ltd. 0.010%
Royal Dutch Shell PLC Class A 0.090%
Royal Dutch Shell PLC Class B 0.080%
Rpm International Inc. 0.020%
Scotts Miracle-Gro Company Class A 0.010%
Seven & I Holdings Co., Ltd. 0.040%
Sherwin-Williams Company 0.100%
Shin-Etsu Chemical Co Ltd 0.090%
Shiseido Company,Limited 0.040%
Sk Innovation Co., Ltd 0.010%
Solvay SA 0.010%
Sumitomo Chemical Co., Ltd. 0.010%
Svenska Cellulosa Aktiebolaget Class B 0.010%
Symrise AG 0.030%
Tapestry, Inc. 0.010%
Tate & Lyle PLC 0.010%
Tesco PLC 0.050%
Tosoh Corporation 0.010%
Umicore 0.010%
Unicharm Corporation 0.030%
Unilever Nv 0.140%
Unilever PLC 0.110%
Wd-40 Company 0.010%
Xerox Holdings Corporation 0.010%
Yara International Asa 0.010%

This data is compiled by Mindful Money from the fund information and portfolios that each fund has filed with the Disclose register to Wed Sept. 30th 2020 and Mindful Money analysis of funds within those portfolios. The list of companies of concern has been drawn from ratings agencies and public sources, including the Norwegian Sovereign Fund, NZ Super Fund, Sustainalytics and research organisations.

Please note that companies may breach more than one of these areas of concern.

Mindful Money uses the term Mindful Funds as our standard for ethical investment and responsible investment. This does not imply that other funds are unethical or that the fund providers that do not meet these standards are unethical providers.

Past annual returns for this fund are after fees and taxes. Please note that higher past returns do not always mean higher future returns.

Year Market Average Fund Annual Return
2021 36.18% 31.64%
2020 -7.01% -0.68%
2019 9.82% 7.03%
2018 7.69% 8.75%
2017 9.49% 12.48%

The market average is the average return for funds of the same risk category, sourced from the Commission for Financial Capability's Sorted website. The fund information has been sourced from the quarterly data that each fund has filed with Disclose register to Wed March 31st 2021.

Showing the top 10 investments for this fund:

  • Vanguard Total World Stock ETF
    United States International Equities
  • ANZ NZD Current Account
    New Zealand Cash and Equivalents AA-

This information has been sourced from the quarterly data that each fund has filed with Disclose register Wed March 31st 2021.

How the money in this fund is invested against the fund's targets.



Type Target Actual
Cash and Cash Equivalents 0.0% 1.31%
New Zealand Fixed Interest 0.0% 0.0%
International Fixed Interest 0.0% 0.0%
Australasian Equities 0.0% 0.0%
International Equities 100.0% 98.69%
Listed Properties 0.0% 0.0%
Unlisted Properties 0.0% 0.0%
Other 0.0% 0.0%
Commodities 0.0% 0.0%

This information has been sourced from the quarterly data that each fund has filed with Disclose register to Wed March 31st 2021.

Does this fund have a policy to exclude any industries from its investments? The first column shows if the fund has a policy to exclude the issue. The second column shows if there are any current investments (source: Mindful Money research).

The Fund may have investments that are not consistent with their exclusions policy because they are still in the process of implementing their policy.

  • Issue of concern
    Does this fund say it excludes this?
    Actual holdings
  • Adult Entertainment/Pornography:
  • Alcohol:
  • Animal Testing:
  • Fossil Fuels:
  • Gambling:
  • GMOs:
  • Human Rights & Environmental Violations:
  • Palm Oil:
  • Tobacco:
  • Weapons:

This data is compiled by Mindful Money from the fund information and portfolios that each fund has filed with the Disclose register to Wed Sept. 30th 2020 and Mindful Money analysis of funds within those portfolios. The list of companies of concern has been drawn from ratings agencies and public sources, including the Norwegian Sovereign Fund, NZ Super Fund, Sustainalytics and research organisations.

Note that the fund’s intended exclusions may not be consistent with the analysis of the portfolio because of timing issues or because there are companies of concern in indirect investments by the fund.

Note that many funds exclude controversial weapons. However, the category of Weapons used in this analysis is broader in scope, covering all munitions, firearms and military weapons.

In their own words

"Invests in international shares and is designed to track the return (before tax fees and other expenses) on the FTSE Global All Cap Index."

Value $110M NZD
Period of data report Wed March 31st 2021
Fund started Wed July 29th 2015
Total annual fund fees 0.4%
Total performance based fees 0.0%
Manager's basic fee 0.39%
Administration charges 0.01%
Total other charges 0.0
Total other charges currency NZD

Key Personnel

Guy Roulston Elliffe

Currently: Director (5 years, 4 months)
Previously: Corporate Governance Manager - ACC (current position) (5 years, 11 months)

Stuart Kenneth Reginald Millar

Currently: Chief Investment Officer - Smartshares (1 years, 10 months)
Previously: Head of Portfolio Management - ANZ Investments (6 years, 4 months)

Hugh Duncan Stevens

Currently: Chief Executive Officer - Smartshares (3 years, 1 months)
Previously: Chief Operating Officer - Implemented Investment Solutions Ltd (2 years, 6 months)

Alister John Williams

Currently: Director (5 years, 4 months)
Previously: Investment Manager - Trust Management (6 years, 2 months)

This information has been sourced from the quarterly data that each fund has filed with Disclose register to Wed March 31st 2021.


Download the fund's disclosure statement and portfolio holdings.

Latest news

You should be prudent about your investment.

Investing involves risk. The value of investments can go down, as well as going up. You might lose some of your capital invested. The information provided on this website is not a recommendation to buy, sell or hold any financial products. Nothing on this page is financial advice for the purposes of the Financial Advisers Act 2008 and any associated regulations.

Before investing, consider your investment aims, your values and your risk preferences. You should read the Product Disclosure Statement for the investment fund carefully. It contains the fund’s investment objectives, risks, fees and other information which you should know before investing. This website has a list of the advisers that are registered with the Responsible Investment Association of Australasia. You should contact an investment adviser before investing if you have questions or if you are unclear about the implications of your investment decision.