Perpetual Diversified Income
The Perpetual Diversified Income Fund is an active, diversified portfolio of high quality, floating rate debt investments. The Fund is designed for investors seeking predictable outcomes – including above cash rate returns, consistent income and capital stability.
When investing in debt, avoiding loss or default is critical. Perpetual aims to invest in stable, income generating assets that have a low likelihood of default. Perpetual’s analysts screen out risks by applying quality filters to companies and selecting those with strong management, stable balance sheets, predictable earnings, industry leadership and low susceptibility to regulatory or event risk.
We invest in floating rate assets because we believe that capital preservation is important. When interest rates rise, floating rate assets may better protect investors’ capital and allow for higher income generation. Floating rate investments are a natural complement to traditional fixed rate securities, such as government bonds and term deposits.
Features and Benefits
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QUALITY FLOATING RATE INVESTMENTS CAN HELP TO PROTECT PORTFOLIOS FROM INFLATION
While fixed rate investments are potentially vulnerable to capital losses when interest rates rise, floating rate investments tend to benefit.
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Domestic focus, globally aware
The Fund invests predominantly in investment-grade assets. As a result, our investments typically remain tradeable, even during periods of extreme market stress, providing liquidity and regular distributions to investors in the Fund.
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A highly active and diversified portfolio management approach
The Fund holds 150 to 200 floating rate assets across a broad range of sectors and maturities in the Australian debt market. Diversification is important in managing risks and delivering steady returns.
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Risk aware management style
We will only take on risk when we expect it will be rewarded and we actively screen out sources of risk that could lead to a loss. Risk management drives every decision we make.
DIVERSIFIED INCOME FUND - INVESTMENT APPROACH FLYER
Perpetual’s Diversified Income Fund has consistently delivered above cash-rate returns to investors, and our focus on quality has ensured these have been delivered with lower levels of risk than many other fixed income alternatives.
Ways to Invest
So that we can provide you the most relevant information, please begin by selecting your investment type from the options below:
Perpetual Diversified Income
Pricing & Performance
Performance as at 31/12/2020
Returns as at 31/12/2020
| Growth % | Distribution % | Total % | |
|---|---|---|---|
| 1 month | -0.40 | 0.95 | 0.55 |
| 3 month | 0.92 | 0.96 | 1.87 |
| 6 month | 2.02 | 1.28 | 3.31 |
| 1 year | 0.13 | 1.65 | 1.78 |
| 3 year | -0.36 | 2.21 | 1.85 |
| 5 year | 0.08 | 2.47 | 2.55 |
| 10 year | 0.23 | 3.25 | 3.49 |
Distributions
| Frequency | Quarterly |
| Cents per Unit | 1.010 |
| Reinvestment Price | 1.063 |
Fund Commencement Date
| November 2008 |
Fund Profile
Details & Fees
About this fund
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Fund Manager
Perpetual Investment Management Limited
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Asset Class
Cash and fixed income
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Suggested Length
3 years or longer
Investment Objective
Aims to provide regular income and consistent returns above the Bloomberg AusBond Bank Bill Index (before fees and taxes) over rolling three-year periods by investing in a diverse range of income generating assets.
Investment Approach
The fund's approach to delivering returns and managing risk is through an active and risk aware investment process which invests in a diversified core portfolio of liquid investment grade credit securities. Perpetual Investments believes these assets provide investors with protection in times of market stress. When the environment is supportive Perpetual Investments seeks to enhance returns by taking more risk whether that be in maturity, credit rating, subordination or gearing. The fund can also invest in alternative income generating securities such as mortgages, infrastructure debt and private debt. This approach to portfolio construction is Perpetual Investments' preferred method to deliver investors the highest possible risk adjusted returns.
Derivatives may be used in managing the fund.
Investment Details
| Minimum Initial Investment | $2,000 |
| With Savings Plan | |
| Minimum Initial Investment | $1,000 |
| Monthly Minimum | Nil |
| Minimum Additional Investment | $1,000 |
Fees
| Entry | Nil |
| Exit | Nil |
| Management Cost (p.a.) | 1.14% |
| Buy / Sell Spread | 0.2% / Nil |
Investment Guidelines
| Cash and investment grade securities | 75 - 100% |
| Sub-investment grade securities & non-rated securities(incl. mortgages and other private debt 0-15%) | 0 - 25% |
| Gearing level (of the fund’s net asset value) | 0 - 25% |
Distribution
| Quarterly |
| March 31, June 30, September 30, December 31 |
Continuous Disclosure
How to Invest
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If you are interested in making an investment in Perpetual WealthFocus Investment Advantage
Review the Product Disclosure Statement (PDS) for WealthFocus Investment Advantage and related documents to ensure you understand how the Fund works and the risks involved.
Send the completed application & documents to the address below.
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New and existing investors - Invest using Perpetual’s online application form
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Make an additional investment to WealthFocus Investment Advantage
- Review the current PDS and related documents. They may have changed since you first invested.
- Download and complete an Additional Investments form. Send the form to the address below.
- If you have online account access, you can complete the additional investment form online.
All forms, offer documents and PDS’s can be found on Forms, PDS's and Offer Documents page in our Resources section.
Downloads
Pricing & Performance
Performance as at 31/12/2020
Returns as at 31/12/2020
| Growth % | Distribution % | Total % | |
|---|---|---|---|
| 1 month | -0.50 | 1.05 | 0.55 |
| 3 month | 0.81 | 1.06 | 1.87 |
| 6 month | 1.90 | 1.40 | 3.30 |
| 1 year | 0.27 | 1.53 | 1.80 |
| 3 year | -0.24 | 2.08 | 1.84 |
| 5 year | 0.17 | 2.37 | 2.54 |
| 10 year | 0.39 | 3.10 | 3.49 |
Distributions
| Frequency | Quarterly |
| Cents per Unit | 1.019 |
| Reinvestment Price | 0.969 |
Fund Commencement Date
| December 2005 |
Fund Profile
Details & Fees
About this fund
-
Fund Manager
Perpetual Investment Management Limited
-
Asset Class
Cash and fixed income
-
Suggested Length
3 years or longer
Investment Objective
Aims to provide regular income and consistent returns above the Bloomberg AusBond Bank Bill Index (before fees and taxes) over rolling three-year periods by investing in a diverse range of income generating assets.
Investment Approach
The Fund's approach to delivering returns and managing risk is through an active and risk aware investment process which invests in a diversified core portfolio of liquid investment grade credit securities. We believe these assets provide investors with protection in times of market stress. When the environment is supportive we seek to enhance returns by taking more risk whether that be in maturity, credit rating, subordination or gearing. The Fund can also invest in alternative income generating securities such as mortgages, infrastructure debt and private debt. This approach to portfolio construction is our preferred method to deliver investors the highest possible risk adjusted returns.
Derivatives may be used in managing the Fund.
Investment Details
| Minimum Initial Investment | $2,000 |
| With Savings Plan | |
| Minimum Initial Investment | $1,000 |
| Monthly Minimum | Nil |
| Minimum Additional Investment | $1,000 |
Fees
| Entry | up to 4.0% |
| Exit | Nil |
| Management Cost (p.a.) | 1.59% |
| Buy / Sell Spread | 0.2% / Nil |
Investment Guidelines
| Cash and investment grade securities | 75 - 100% |
| Sub-investment grade securities & non-rated securities(incl. mortgages and other private debt 0-15%) | 0 - 25% |
| Gearing level (of the fund’s net asset value) | 0 - 25% |
Distribution
| Quarterly |
| March 31, June 30, September 30, December 31 |
Product Disclosure Statement
Continuous Disclosure
How to Invest
-
If you are interested in making an investment or you are an existing investor in WealthFocus Investment Funds
Review the Product Disclosure Statement (PDS) for WealthFocus Investment Funds and related documents to ensure you understand how the Funds work and the risks that are involved.
All forms, offer documents and PDS’s can be found in our Resources section.
-
Mailing and application details
Send your completed application & identification documents to:
Reply Paid 4171
Perpetual WealthFocus Investment Funds
GPO Box 4171, Sydney NSW 2001
Pricing & Performance
Performance as at 31/12/2020
Returns as at 31/12/2020
| Growth % | Total % | |
|---|---|---|
| 1 month | 0.55 | 0.55 |
| 3 month | 1.86 | 1.86 |
| 6 month | 3.29 | 3.29 |
| 1 year | 1.80 | 1.80 |
| 3 year | 1.84 | 1.84 |
| 5 year | 2.54 | 2.54 |
| 10 year | 3.47 | 3.47 |
Fund Commencement Date
| December 2005 |
Fund Profile
Details & Fees
About this fund
-
Fund Manager
Perpetual Investment Management Limited
-
Asset Class
Cash and fixed income
-
Suggested Length
3 years or longer
Investment Objective
Aims to provide regular income and consistent returns above the Bloomberg AusBond Bank Bill Index (before fees and taxes) over rolling three-year periods by investing in a diverse range of income generating assets.
Investment Approach
The fund's approach to delivering returns and managing risk is through an active and risk aware investment process which invests in a diversified core portfolio of liquid investment grade credit securities. Perpetual Investments believes these assets provide investors with protection in times of market stress. When the environment is supportive Perpetual Investments seeks to enhance returns by taking more risk whether that be in maturity, credit rating, subordination or gearing. The fund can also invest in alternative income generating securities such as mortgages, infrastructure debt and private debt. This approach to portfolio construction is Perpetual Investments' preferred method to deliver investors the highest possible risk adjusted returns.
Derivatives may be used in managing the fund.
Investment Details
| Minimum Initial Investment | $20,000 |
Fees
| Entry | Nil |
| Exit | Nil |
| Management Cost (p.a.) | 1.24% |
| Buy / Sell Spread | 0.2% / Nil |
Investment Guidelines
| Cash and investment grade securities | 75 - 100% |
| Sub-investment grade securities & non-rated securities(incl. mortgages and other private debt 0-15%) | 0 - 25% |
| Gearing level (of the fund’s net asset value) | 0 - 25% |
Distribution
| N/A |
Product Disclosure Statement
Continuous Disclosure
How to Invest
-
If you are interested in making an investment in the Perpetual WealthFocus Account Based Pension Plan
Review the Product Disclosure Statement (PDS) for Perpetual WealthFocus Account Based Pension Plan (which includes the Account Based Pension Plan) and other offer documents and consider your investment option carefully.
It is likely that the WealthFocus Pension Plan will be most suitable for new investors.
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If you are an existing investor in WealthFocus Account Based Pension Plan
All forms, offer documents and PDS’s can be found in Forms, PDS's and Offer Documents page in our Resources section.
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Mailing and Application Details
Send your completed application & identification documents to:
Reply Paid 4171
Perpetual WealthFocus Pension Plan
GPO Box 4171, Sydney NSW 2001
Pricing & Performance
Performance as at 31/12/2020
Returns as at 31/12/2020
| Growth % | Total % | |
|---|---|---|
| 1 month | 0.56 | 0.56 |
| 3 month | 1.72 | 1.72 |
| 6 month | 2.93 | 2.93 |
| 1 year | 1.57 | 1.57 |
| 3 year | 1.59 | 1.59 |
| 5 year | 2.20 | 2.20 |
| 10 year | 3.03 | 3.03 |
Fund Commencement Date
| December 2005 |
Fund Profile
Details & Fees
About this fund
-
Fund Manager
Perpetual Investment Management Limited
-
Asset Class
Cash and fixed income
-
Suggested Length
3 years or longer
Investment Objective
Aims to provide regular income and consistent returns above the Bloomberg AusBond Bank Bill Index (before fees and taxes) over rolling three-year periods by investing in a diverse range of income generating assets.
Investment Approach
The fund's approach to delivering returns and managing risk is through an active and risk aware investment process which invests in a diversified core portfolio of liquid investment grade credit securities. Perpetual Investments believes these assets provide investors with protection in times of market stress. When the environment is supportive Perpetual Investments seeks to enhance returns by taking more risk whether that be in maturity, credit rating, subordination or gearing. The fund can also invest in alternative income generating securities such as mortgages, infrastructure debt and private debt. This approach to portfolio construction is Perpetual Investments' preferred method to deliver investors the highest possible risk adjusted returns.
Derivatives may be used in managing the fund.
Investment Details
| Minimum Initial Investment | $3,000 |
| With Savings Plan | |
| Minimum Initial Investment | $1,500 |
| Monthly Minimum | Nil |
| Minimum Additional Investment | $1,000 |
Fees
| Entry | Nil |
| Exit | Nil |
| Management Cost (p.a.) | 1.24% |
| Buy / Sell Spread | 0.2% / Nil |
Investment Guidelines
| Cash and investment grade securities | 75 - 100% |
| Sub-investment grade securities & non-rated securities(incl. mortgages and other private debt 0-15%) | 0 - 25% |
| Gearing level (of the fund’s net asset value) | 0 - 0.25% |
Distribution
| N/A |
Product Disclosure Statement
Continuous Disclosure
How to Invest
-
If you are interested in making an investment in Perpetual WealthFocus Super Plan
Review the Product Disclosure Statement (PDS) for WealthFocus Wholesale Super Plan and other offer documents and consider your investment option carefully.
Send the completed application & documents to the address below.
-
New and existing investors - Invest using Perpetual’s online application form
-
If you are an existing investor in WealthFocus Super Plan
All forms, offer documents and PDS’s can be found on Forms, PDS's and Offer Documents page in our Resources section.
Downloads
-
Mailing and application details
Send the completed application & documents to:
Reply Paid 4171
Perpetual WealthFocus Super Plan
GPO Box 4171
Sydney NSW 2001
Pricing & Performance
Performance as at 31/12/2020
Returns as at 31/12/2020
| Growth % | Total % | |
|---|---|---|
| 1 month | 0.55 | 0.55 |
| 3 month | 1.86 | 1.86 |
| 6 month | 3.29 | 3.29 |
| 1 year | 1.80 | 1.80 |
| 3 year | 1.84 | 1.84 |
| 5 year | 2.54 | 2.54 |
| 10 year | 3.47 | 3.47 |
Fund Commencement Date
| December 2005 |
Fund Profile
Details & Fees
About this fund
-
Fund Manager
Perpetual Investment Management Limited
-
Asset Class
Cash and fixed income
-
Suggested Length
3 years or longer
Investment Objective
Aims to provide regular income and consistent returns above the UBS Bank Bill Index (before fees and taxes) over rolling three-year periods by investing in a diverse range of income generating assets.
Investment Approach
The fund's approach to delivering returns and managing risk is through an active and risk aware investment process which invests in a diversified core portfolio of liquid investment grade credit securities. Perpetual Investments believes these assets provide investors with protection in times of market stress. When the environment is supportive Perpetual Investments seeks to enhance returns by taking more risk whether that be in maturity, credit rating, subordination or gearing. The fund can also invest in alternative income generating securities such as mortgages, infrastructure debt and private debt. This approach to portfolio construction is Perpetual Investments' preferred method to deliver investors the highest possible risk adjusted returns.
Derivatives may be used in managing the fund.
Investment Details
| Minimum Initial Investment | $20,000 |
Fees
| Entry | Nil |
| Exit | Nil |
| Management Cost (p.a.) | 1.24% |
| Buy / Sell Spread | 0.2% / Nil |
Investment Guidelines
| Cash and investment grade securities | 75 - 100% |
| Sub-investment grade securities & non-rated securities(incl. mortgages and other private debt 0-15%) | 0 - 25% |
| Gearing level (of the fund’s net asset value) | 0 - 25% |
Distribution
| N/A |
Product Disclosure Statement
Continuous Disclosure
How to Invest
-
The Perpetual WealthFocus Term Allocated Pension Plan is closed to new investors
-
If you are an existing investor in WealthFocus Term Allocated Pension Plan
All forms, offer documents and PDS’s can be found on Forms, PDS's and Offer Documents page in our Resources section.
-
Mailing and application details
Send the completed application & documents to:
Reply Paid 4171
Perpetual WealthFocus Pension Plan
GPO Box 4171
Sydney NSW 2001