Investment of Funds for Managed Clients

Funds Management

The NSW Trustee & Guardian Common Fund is made up of funds owned by clients whose financial affairs are directly managed by us, as well as the funds of a number of clients whose affairs are managed by a private manager. The Common Fund is split into the Access Fund and seven diversified investment funds.

The Common Fund is outsourced to Black Rock Investment Management Australia who act as Funds Manager. The fund is managed on an indexed basis to the relevant benchmarks set out in the table below. J.P. Morgan is the Master Custodian for the custody, compliance and accounting functions of the Common Fund.

Access Fund

The Access Fund is an interest bearing working account for client transactions. It invests money on behalf of clients in cash and short term money market securities. Interest is calculated on the closing daily balance of the account and paid at the end of December and June.

The accounts of clients that make up this fund are similar to standard retail bank accounts, through which regular transactions occur including the receipt of money, payment of accounts, issuing of cheques and direct crediting.

Diversified Investment funds

NSW Trustee & Guardian funds management program allows clients’ investments to be diversified to reflect the amount of money available for investment and their individual needs. The structure of the investment seven funds provides clients with access to a full range of asset classes, allowing for appropriate diversification and risk management.

Diversified investment funds profiles and objectives
Fund Profile Objective 
Australian cash To provide clients with a low risk investment of capital and ready access to their funds. To achieve returns comparable to bank deposit and cash management trusts in the short-term money market.
Australian cash plus To provide clients with a relatively low risk investment with potentially higher returns obtained by investing in bonds. To achieve a more attractive income stream over the medium term than could be expected from investing solely in cash related products.
Australian fixed interest           

           

To provide clients with a diversified portfolio of Australian bonds. A medium risk investment. To achieve a more attractive income stream than could be expected from investing in predominantly cash related products, with the possibility of some capital gain over the medium to longer term.
Australian listed property securities To provide clients with exposure to a diversified portfolio of property trusts or property related companies listed on the Australian Stock Exchange. A medium to high risk investment.  To achieve capital growth and some income over the medium to longer term.
Australian share To provide clients with exposure to a diversified portfolio of companies listed on the Australian Stock Exchange. A medium to high risk investment. To achieve medium to long term capital growth with a modest level of income.
International bond To provide clients with exposure to a diversified portfolio of international bonds across a range of countries. A medium risk investment. To achieve medium to long term capital growth and income returns.
International share To provide clients with exposure to a diversified portfolio of international shares across a range of countries. A high risk investment. To achieve medium to long term capital growth.


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