Online Account Access

How Online Account Access Works

Q. What are cookies and why do I need them?
Q. Why does my login timeout?
Q. What features does Online Account Access offer?
Q. How do I register to access my accounts online?
Q. Can I view a joint account online?
Q. How often is the data in the account access area updated? 
Q. What is my Login ID?
Q. How do I change my online password?
Q. How do I obtain a new password if I have lost or forgotten it?
Q. What happens if I lose or forget my Login ID?
Q. I have received multiple Login Cards and Password letters. What does this mean?  

Switching Between Investments

Q. What is the Switch Investments function?
Q. How do I switch my investments online?
Q. What investments can I switch?
Q. Is there a fee to switch investments online?
Q. Once I have sent a request to Switch Investments online, how long will it take to process this request?
Q. How do I authorise online transactions for my joint, company or trust account?

Savings Plans and Auto-Rebalancing

Q. What is my investment strategy?
Q. What is a savings plan?
Q. When are savings plans deductions made?
Q. If I change my savings plan, will this affect my investment strategy?
Q. How long does it take for my savings plan to be setup/cancelled?
Q. Can my financial adviser alter my savings plan?
Q. Can I choose the type of contribution for my savings plan in WealthFocus Super Plan?
Q. What is dollar cost averaging?
Q. What is auto-rebalancing?
Q. Why can’t I set up dollar cost averaging and auto-rebalancing on one account?
Q. Why must I have auto-rebalancing on my WealthFocus Super Plan if I am invested in Perpetual’s Geared Australian Fund/Investment Option or Perpetual’s Global Resources Fund/Investment Option?
Q. How do I update my bank account?
Q. Can I start a savings plan in a fund I am not currently invested in?
Q. Can I start up auto-rebalancing into a fund I am not currently invested in?
Q. Can I start up dollar cost averaging into a fund I am not currently invested in?
Q. What dates do auto-rebalancing run?
Q. What dates does dollar cost averaging run?
Q. Will I be sent a confirmation letter about my changes?
Q. Can I cancel auto-rebalancing/dollar cost averaging/savings plan at any time?
Q. In which products can I transact online?
Q. If I have a joint, company or trust account, can I transact online?
Q. What distribution payment methods are available?
Q. How do I nominate a new bank account for distributions and/or withdrawals?

Additional Applications

Q. What products accept additional applications online?
Q. Do I have to be registered for online access to make an additional application online?
Q. What information do I need at hand to make the additional application?
Q. What is the minimum amount I can contribute online?
Q. What is the maximum amount I can contribute online?
Q. Is there a minimum or maximum frequency that I can contribute online? Can I do multiple transactions each day?
Q. How do I actually send you the investment money?
Q. Do I need to complete any forms?
Q. Can I use the online functionality if I want to make an additional investment to an investment fund that is not part of my current strategy?
Q. How do you ensure the integrity of the information I input online?
Q. Can my adviser or authorised representative make an online contribution for me?
Q. What is the main benefit of online vs the traditional paper based approach?
Q. How long does the process take?
Q. If I have a regular savings plan, will this be impacted by the additional application?
Q. What effective date do I get for my additional application investment?
Q. How quickly will I see my additional application online?
Q. What happens if I process a switch and my additional application online the same day?

How Online Account Access Works

Q. What are cookies and why do I need them?

A. Cookies are small text files a website can use to store information about a visitor, or recognise a repeat visitor to its site. Many websites use cookies. When you visit a web page a cookie may register where you came from, what server you are using to connect to the internet, what browser you are using, and what operating system you have. 
Other functions of cookies include automatically keeping track of your login status and remembering information like your name and email address.

Cookies are not programs that damage files on your PC. The Online Account Access area uses cookies to keep track of your session.

We do not specifically save any information about a client in a cookie. This means you can use the account access area site from 'public' computers (like Internet Cafes) without having to worry about your Login ID and password remaining on the computer as a cookie.

If you choose to disable cookies you will not be able to access your accounts online.

Some users can enable a feature in their browser to alert them when they are sent a cookie. The following instructions will disable this feature if you are using either the Firefox browser or Microsoft Internet Explorer browser.

For Microsoft Internet Explorer, select Options (or Internet Options) from the View pull-down menu. Now, select the Advanced tab. Locate the Cookies entry in the Security section. Uncheck the option titled Prompt before accepting cookies. Lastly, click the OK button.

For Firefox, select Preferences from the Edit pull-down menu. Now, click on the Advanced category. Uncheck the entry titled Warn me before accepting a cookie. Lastly, click on the OK button.

Q. Why does my login timeout?

A. If you are logged into the account access area but your session is inactive (for instance if you leave your session open accidentally), your session will be automatically closed after 10 minutes of inactivity.

If you visit other websites and return to your Online Account Access session within 10 minutes you should not have to log in again.

Q. What features does Online Account Access offer?

A. Online account access allows you to:

  •   view your account balances excluding Perpetual's Term Fund
  •   view recent transactions such as investments, withdrawals, distributions and transfers for all your accounts
  •   view ETP and preservation components
  •   view insurance details
  •   view the contact details we have on record for each of your investments
  •   download data to a CSV file
  •   appoint up to three Online Representatives to view or transact on your behalf via Online Account Access.

Q. How do I register to access my accounts online?

A. To register, follow these three steps: Complete a registration form. This will allow us to issue you with a Login ID and a password. Don't forget to list all the accounts which you wish to access and view, otherwise you will not have access to view all your accounts online.

You will then receive two letters from us. The first letter will contain a wallet card with your Login ID and further instructions for completing the registration process. The second letter will contain your temporary password.

The Login ID and password are issued separately for security purposes. Both letters will be sent to the address that you provide on the registration form. As an additional security measure you will be required to change your password the first time you log in to the site.

If you have any questions about the registration process please contact us by sending an email or alternatively call Online Assistance on 1800 001 575 (Australia) or 0800 443 879 (New Zealand) Monday to Friday between 8.30am and 6pm (Sydney time).

Q. Can I view a joint account online?

A. You can view all accounts that are linked to your Login ID. This includes joint accounts where you have requested access and provided the correct signatures. 

Q. How often is the data in the account access area updated?

A. Information about investments is updated overnight. 
The value of your investment(s) as stated in the account access area will be based on the previous day's published unit prices and the unit balance currently recorded for your investment.

Transactions that have not been processed will not appear. In most cases transactions are processed at the unit price applying on the day we receive them or at the unit price applying on the following day if we receive your request after 3pm Sydney time (see a fund's offer document for more information).

Occasionally, there may be a delay in processing your request, which means that your transaction will not appear in the account access area for several days. However, your request will be processed using the unit price which applied on the day we actually received your request.

Q. Why can't I access and view one of my investments?

A. If you cannot access and view a particular account you may not have requested access to it, or if you did request access you may not be authorised to access and view information for the account. If you did not include an account on your initial application form you will need to complete the registration form again, listing the accounts you wish to add. 

If you request to view an account and we cannot determine that you are authorised to access the account, we will contact you and request further information.

Q. What is my Login ID?

A. Your Login ID is your unique identifier that allows you to login to view your accounts online. It is different to your investment Account ID(s). 

Q. How do I change my online password? 

A. You can change your online password in two ways: 
1. Once you have logged into Online Account Access, you can change your password online using the My Profile page. 
2. Call Online Assistance on 1800 001 575 (Australia) or 0800 443 879 (New Zealand) Monday to Friday between 8.30am and 6pm (Sydney time) to have a new password issued.

Q. How do I obtain a new password if I have lost or forgotten it?

A. You can be issued with a new password by contacting Online Assistance on 1800 001 575 (Australia) or 0800 443 879 (New Zealand) Monday to Friday between 8.30am and 6pm (Sydney time). We will re-issue a password over the phone, once we have confirmed your identity. 

Q. What happens if I lose or forget my Login ID?

A. If you forget your Investor or Adviser ID you should contact Online Assistance on 1800 001 575 (Australia) or 0800 443 879 (New Zealand) Monday to Friday between 8.30am and 6pm (Sydney time). Once you have verified your identity we will tell you your Login ID. 

Q. I have received multiple Login Cards and Password letters. What does this mean?

A. Receiving multiple Login Cards and Password letters indicates our records have you registered for Online Account Access to multiple accounts that are not linked. You can easily link your accounts at the one site via one Login and password. To do this please contact the Online Assistance team on 1800 001 575 (Australia) or 0800 443 879 (New Zealand) Monday to Friday between 8.30am and 6pm (Sydney time).

Switching Between Investments

Q. What is the Switch Investments function?

A. The Switch Investments function enables you to switch your investments online between available investment options within a product. The switch function is easy to use, with automatic prompts taking you through each step and confirming your instructions. It will display your current investment option balances within a product, and allow you to select the amounts you wish to transfer in either dollar amounts or percentages. 

Q. How do I switch my investments online?

A. You can switch your investments online by selecting the Switch Investments option in the My Accounts section and following the links and prompts.

For advisers, the Switch Investments option is available within the My Clients section of the website. 


Q. What investments can I switch? 

A. Investment switches are available online for several products, including Perpetual’s Wealth Focus products, Perpetual’s Wholesale Funds, Perpetual's Select products and Perpetual's Pooled Superannuation Trusts. You can switch between available investment options within a product. 

Q. Is there a fee to switch investments online? 

A. Switching investments online incurs the same fees and charges that apply for switching investments by other means. Please refer to the relevant product disclosure statement. 

Q. Once I have sent a request to Switch Investments online, how long will it take to process this request?

A. Successfully completed Switch requests will be processed within 3-5 business days. For all available products (except Select): if your completed online switch request is received and accepted by Perpetual by 3.00 pm (Sydney time) on any business day, your transaction will be processed using that day’s exit and entry prices. Switching applications received and accepted after 3.00pm on any business day will be processed using the exit and entry prices applicable on the next business day. 

For Select products: if your completed online switch request is received and accepted by Perpetual by 3.00 pm (Sydney time) on any Wednesday, your transaction will be processed using that Wednesday's exit and entry prices. If a public holiday or bank holiday in Sydney falls on a Wednesday, your investment switch will be processed using the next available unit price. Switching applications received and accepted after 3.00pm on any Wednesday will be processed using the exit and entry prices applicable on the following Wednesday.

Please refer to the current Product Disclosure Statement for the latest details on investment switches for your product.

Q. How do I authorise online transactions for my joint, company or trust account?

A. If you would like to authorise online transactions for your joint, company or trust account, please arrange for all signatories to sign the letter of authority that is available on the Switch Investments page.

Savings Plans and Auto-Rebalancing

Q. What is my investment strategy?

A. Your investment strategy is used for particular purposes for each product. Please refer to the current Product Disclosure Statement. 

Q. What is a savings plan?

A. If you establish a regular savings plan, investments are automatically debited from your nominated Australian bank, building society or credit union account. 

If you would like to set up a new regular savings plan, you may do this online by clicking on “Product Features” and following the steps. Alternatively you may complete the additional investments and features form available on our forms page

Q. When are savings plans deductions made?

A. Perpetual's WealthFocus Investment Advantage:

  • fortnightly: on alternate Thursdays (as set by us)
  • monthly: on the 20th of the month
  • quarterly: on the 20th January, April, July and October

If any of these aren’t business days, the next business day will apply.

Perpetual's WealthFocus Investment Funds:

  • fortnightly: on alternate Thursdays (as set by us)
  • monthly: on the 20th of the month
  • quarterly: on the 20th January, April, July and October

If any of these aren’t business days, the next business day will apply.

Perpetual's WealthFocus Super Plan:

  • fortnightly: on alternate Thursdays (as set by us)
  • monthly: on the 17th of the month
  • quarterly: on the 17th January, April, July and October

If any of these aren’t business days, the next business day will apply.

Q. If I change my savings plan, will this affect my investment strategy?

A. If you have the auto-rebalancing feature, your investment strategy and your nominated allocation for your savings plan must be the same. 
If you change your savings plan allocation, your investment strategy will be amended to reflect the new savings plan allocation. 

Q. How long does it take for my savings plan to be setup/cancelled? 

A. Once we have confirmed that your change request is correct and complete, we will process your request within three to five business days. 

Q. Can my financial adviser alter my savings plan?

A. Yes, but only if you have provided authorisation to your financial adviser to transact online on your behalf. 

Q. Can I choose the type of contribution for my savings plan in WealthFocus Super Plan? 

A. Yes you can select the type of your contribution for your savings plan. If you are eligible and intend to claim a tax deduction on your personal contributions you may also claim your tax deduction. 

Q. What is dollar cost averaging? 

A. The dollar cost averaging plan involves you investing in Perpetual’s Cash Fund/Investment Option and authorising us to switch a portion of that amount to another nominated Fund/Investment Option(s) at regular intervals. Because the units in the nominated Fund/Investment Option(s) are bought at varying prices, the cost of gaining exposure to the particular asset class(es) in the nominated Fund/Investment Option(s) is ‘averaged’ over time. 

Q. What is auto-rebalancing? 

A. The value of your investment in any particular Fund/Investment Option will change over time and this movement may cause your investment portfolio allocation to deviate from your investment strategy. Auto-rebalancing is another form of automatic switching. This facility provides a simple way for you to maintain your investment strategy by authorising us to withdraw and apply units in your chosen Funds/Investment Options to rebalance your investment portfolio regularly. 

Q. Why can’t I set up dollar cost averaging and auto-rebalancing on one account? 

A. Dollar cost averaging is designed to have your investments held in Perpetual’s Cash Fund/Investment Option, and switched out over the course of the year into Funds/Investment Options that you have nominated. Auto-rebalancing is designed to ensure your portfolio is maintained at a set investment strategy, therefore if you have 100% of your portfolio in cash for dollar cost averaging, as your dollar cost averaging strategy is activated and money is switched out of cash into other Funds/Investment Options, auto-rebalancing will then automatically switch everything out of your new Funds/Investment Options and back into cash. 

Your auto-rebalancing investment strategy will continually counteract your dollar cost averaging strategy, which will result in a large number of unnecessary switches and transaction costs for which you would have pay. Therefore we will only allow investors to activate dollar cost averaging or auto-rebalancing, not both. 

Q. Why must I have auto-rebalancing on my WealthFocus Super Plan if I am invested in Perpetual’s Geared Australian Fund/Investment Option or Perpetual’s Global Resources Fund/Investment Option? 

A. No more than 50 per cent of any investment into the Super Plan can be allocated to each of Perpetual’s Geared Australian and Perpetual Global Resources Investment Options. Therefore to ensure your portfolio does not exceed that 50% cap, you must have the auto-rebalancing facility enabled on your account. 

Q. How do I update my bank account? 

A. You may update your bank account by completing the additional application and features form. 

Q. Can I start a savings plan in a fund I am not currently invested in? 

A. Yes. In order to start a savings plan you may invest as little as $100 dollars in that Fund/Investment Option. 

Q. Can I start up auto-rebalancing into a fund I am not currently invested in? 

A. Yes. In order to start an auto-rebalancing facility you may invest as little as $100 dollars in that Fund/Investment Option. 

Q. Can I start up dollar cost averaging into a fund I am not currently invested in? 

A. In order to start a dollar cost averaging facility you may invest as little as $100 dollars in that Fund/Investment Option. 

Q. What dates do auto-rebalancing run? 

A. The dates auto-rebalancing are run for WealthFocus Investment Advantage, WealthFocus Investment Funds and WealthFocus Super Plan are as follows:

  • quarterly (default frequency) – on the 24th of January, April, July and October
  • half-yearly – on the 24th of January and July or
  • yearly – on the 24th of July.
    If any of these days aren’t business days, the next business day will apply.

    Q. What dates does dollar cost averaging run?

    A. The minimum switch amount for the dollar cost averaging plan is $100 per Fund/Investment Option, which can be made as follows:

  • fortnightly – on alternate Thursdays (as set by us)
  • monthly (default frequency) – on the 24th of each month
  • quarterly – on the 24th of January, April, July and October.
    If any of these days aren’t business days, the next business day will apply.

    Your dollar cost averaging plan will continue until: your investment in Perpetual’s Cash Fund/Investment Option is zero or you cancel it.

    Q. Will I be sent a confirmation letter about my changes?

    A. You will receive a reference number when you submit your request online. You can then track the progress using our online tracking service. 

    Q. Can I cancel auto-rebalancing/dollar cost averaging/savings plan at any time?

    A. Please contact us if at any time you wish to cancel you savings plan, auto-rebalancing or dollar cost averaging facility. 

    Q. Which products can I transact online?

    A. WealthFocus Investment Advantage, WealthFocus Investment Funds and WealthFocus Super Plan. 

    Q. If I have a joint, company or trust account, can I transact online?

    A. You may arrange for authorisation to transact online by completing the Online account access registration form. There may be some limitations to transacting online depending on the type of account you have so if you are unsure about whether you may transact online with your account, please contact us


    Q. What methods of payment of distribution are available?

    A. For WealthFocus Investment Funds you can choose to have your distributions for each of your Fund(s) reinvested in the same Fund(s), invested in Perpetual’s Cash Fund. You can also have it deposited into your Australian bank, building society or credit union account, if this has previously been set up as a distribution option on your account. 

    Q. How do I nominate a new bank account for distributions and/or withdrawals?

    A. You can nominate a new bank account for distributions and/or withdrawals by completing a Change of Instructions form that can be downloaded from our forms page.

    Q. Why aren't investment switches available for the WealthFocus Super and Pension Geared Australian investment option?

    A. Investment switches for WealthFocus Super and Pension Geared option are currently not available online. Please complete a switch form if you wish to make investment switches for the Geared Australian investment option. We intend to make investment switches available for this option in the future.

    Additional Applications

    Q. What products accept additional applications online?

    A. WealthFocus Investment Advantage, WealthFocus Super Plan and WealthFocus Investment Funds.

    Q. Do I have to be registered for online access to make an additional application online?

    A. Yes, and you must authorise us to perform a direct debit on your account before we can process your additional application online. If you have not registered for Online Account Access, you will need to complete either the Online Account Access Registration form or the Additional investments and features formView forms

    Q. What information do I need at hand to make the additional application?

    A. Your account login and password and the name of the fund(s) you wish to invest into. Before making any investment, you must read the relevant PDS first.

    Q. What is the minimum amount I can contribute online?

    A. The minimum investment amount is explained in each Product’s PDS.

    Q. What is the maximum amount I can contribute online?

    A. There is no maximum, but your financial institution may impose some limits on how much you may transfer through direct debit. Please check with your financial institution for any limits. 

    Q. Is there a minimum or maximum frequency that I can contribute online? Can I do multiple transactions each day?

    A. There are no limits on how many times you may make additional applications, but your financial institution may impose limits on how much you may transfer in one day via direct debit. Please check with your financial institution for any limits. 

    Q. How do I actually send you the investment money?

    A. You will need to authorise us to debit your bank account. 

    Q. Do I need to complete any forms?

    A. If you have not registered for Online Account Access, you will need to complete either the Online Account Access Registration form or the Additional investments and features form. 

    If you do not have authorisation to perform transactions online you may complete the authorisation letter or either the Online Account Access Registration form or the Additional investments and features form. 

    If you would like to authorise your adviser to perform transactions online on your behalf you may complete the authorisation letter, the Online Account Access Registration form or the Additional investments and features form. 

    If you would like to authorise your authorised representative to perform transactions online on you behalf, please complete the authorisation letter, the Online Account Access Registration form or the Additional investments and features form. 

    If you have not authorised us to perform direct debits from your nominated bank account, you will need to complete the Additional investments and features form. 
    View forms

    Q. Can I use the online functionality if I want to make an additional investment to an investment fund that is not part of my current strategy?

    A. Yes. The WealthFocus platform offers a variety of investment options in which you may choose to invest. 

    Q. How do you ensure the integrity of the information I input online?

    A. We can only take responsibility for the reliability of data and information that is within our control. We are not responsible for transmissions of any computer virus or other unwanted programs or information resulting from or associated with your Adviser’s (and their online representatives’) use of Perpetual’s Online Account Access. We are not responsible for the accuracy or content of information or material which we provide to your Adviser (or their online representatives) and which your Adviser (or their online representatives) edit, amend, alter and then provide to any third party or provide in a different form from that on Perpetual’s Online Account Access. 

    Q. Can my adviser or authorised representative make an online contribution for me?

    A. Yes. If you would like to authorise your adviser or authorised representative to perform transactions online on you behalf you may complete the authorisation letter or you may nominate them with authorisation in the Additional investments and features form. View forms

    Q. What is the main benefit of online vs the traditional paper based approach?

    A. Quicker for you, the investor, to complete. We receive your application earlier. There is less paper work and it is more environmentally friendly.

    Q. How long does the process take?

    A. It should take you around 2 minutes to complete your online additional application. Provided your application was submitted prior to 3pm, your application will be processed using that days unit prices. 

    Q. If I have a regular savings plan, will this be impacted by the additional application?

    A. No, if you would like to amend your regular savings plan, please write to us with the details. We expect to have the functionality to make changes to your regular savings plan available online in the near future.

    Q. What effective date do I get for my additional application investment?

    A. The effective date will be the date we receive your cleared funds. 

    Q. How quickly will I see my additional application online?

    A. Once we have processed your application, you will be able to see your additional application in your online account the following day. 

    Q. What happens if I process a switch and my additional application online the same day?

    A. Each transaction will processed in the order in which they were submitted to us. For example, if you perform a switch on your current investments and submit that transaction and then perform an additional application online and submit that request, we will process the switch first, followed by the additional application.