Introducing a convenient way to help build a portfolio. Investment returns linked to the best performing asset from your choice of managed funds and indices giving exposure to bonds, shares, and/or commodities.1 With capital protection at maturity.
ALPHA POLARIS – simple and effective portfolio construction
ALPHA POLARIS pays you a return linked to the best performing asset at maturity, from your selected menu of assets.
Alpha POLARIS is:
- a Capital protected investment2
- with a term of 5 1/2years
- with weekly liquidity
- providing exposure to portfolios including the PIMCO Total Return Bond Fund and your choice of the ASX 200 Index, Emerging Markets, BRIC, or Gold.
ALPHA POLARIS makes building your investment portfolio easier, in three easy steps:
Step One: select your desired reference assets from the investment menu, which provides exposure to bonds or Australian shares, bonds or emerging markets or BRIC shares, and bonds or gold
Step Two: choose how much to invest in Alpha POLARIS and how much/what part of your portfolio you wish to replace by investing in Alpha POLARIS
Step Three: at maturity you will receive at least the value of your initial investment in Alpha POLARIS,3 or (if any of the underlying assets you have selected have generated a positive return, after fees and charges) you will receive the return of the best performing asset from that selection.1 Your return will be made by delivering CBA shares or you can elect to have the shares sold for you and to receive their value in cash.
Alpha POLARIS is an innovative way to invest with capital protection plus the opportunity to optimize your investment portfolio, by ensuring that you receive the return of the best performing asset from your selected menu of investments.1
How would you like to be able to buy the best performing investment, every time?
Instead of investing the traditional way, many investors and advisers are looking for more robust strategies for their investment portfolios. Many SMSF and other investors wish to generate capital growth for retirement but also want some capital protection, to help overcome continuing market volatility at the same time as giving exposure to quality investment assets.
Capital protection with certainty
Alpha POLARIS uses a capital protection method which ensures that your exposure to the underlying assets is constantly maintained – thereby avoiding the complexity, risk and uncertainty of most other forms of capital protection. Your Alpha POLARIS investment always tracks the performance of your selected investment menu, to ensure that you receive a return linked to the best performing asset from your selection, less fees.1
Alpha POLARIS provides advisers and investors with a simple and effective way to achieve these benefits:
- Choose your investment selection from the available portfolios (more available on request);
- If the assets you have selected have generated a positive return over the term of your Alpha POLARIS investment, you will receive a return linked to the best performing asset on the maturity date;
- Benefit from the security of knowing that you will receive a return of at least the initial value of your investment;
- Flexibility – your Alpha POLARIS investment allows you to select from a wide range of asset classes and markets, to help you build your investment portfolio.
Alpha has arranged for Citigroup Global Markets Australia Pty Ltd (“Citi”) to issue Alpha POLARIS. Citi is not responsible for this document.
Investors in Alpha POLARIS should be able to accept the following risks:
- General market and economic risks;
- Specific risks relating to any of the Assets;
- Extraordinary events and/or the exercise of discretion by Citi;
- Legislative Risks during the investment term;
- Adjustments to the terms of issue arising from Adjustment Events
- Tax changes during the investment term;
- Capital Protection is subject to the credit worthiness of Citi.2
How to apply for Alpha POLARIS?
Investors can access Alpha POLARIS through a Product Disclosure Statement, which is only available from your Financial Adviser. For Advisers seeking further information please call
Alpha – 1300 769 694
http://www.alpha-invest.com.au/
Scaleable differentiation with innovative investments
1. Each Alpha POLARIS Asset is subject to an Asset Charge of 2% pa calculated and charged each month during the investment term. For the purpose of calculating the overall performance of each Asset and hence the final value of Alpha POLARIS, this Asset Charge is reflected in the Adjusted Asset Value for each Asset. The Adjusted Asset Value is calculated on the last Business Day of each month to account for the monthly Asset Charge. Notwithstanding the Asset Charge, the minimum value of Alpha POLARIS at maturity is $1.00, for investors who have invested in the Initial Offer Period at an issue price of $1.00 per unit.
2. Capital Protection only applies to investments held at Maturity provided that Early Maturity does not occur. Capital Protection safeguards Alpha POLARIS from market risks but is subject to the credit worthiness of Citigroup Global Markets Australia Pty Limited and Citigroup Inc. For further details see section 4 of the Alpha POLARIS PDS dated 7 June issued by Citigroup Global Markets Australia Pty Ltd.
3.For investors who have invested in the Initial Offer Period at an issue price of $1.00 per unit. Investors who have purchased in the General Offer Period at prices above or below $1.00 may receive less (if they have invested at prices above $1.00) or more (if they have invested at prices below $1.00) than their initial investment.
© 2010 Alpha Structured Investments Pty Ltd AFSL 290054. Like all investments, there is no return without risk. Investors should read the Product Disclosure Statement for Alpha POLARIS dated 8 June 2010 and issued by Citigroup Global Market Australia Pty Limited (ABN 64 003 114 832 and AFSL 240992) (“Citi”) in full and carefully consider the detailed description of the arrangements and risks in the PDS before deciding whether to apply for Alpha POLARIS. Prior to the maturity of the Alpha POLARIS investment the value of Alpha POLARIS will be affected by various market factors such as interest rates, shares and option prices and volatility, the creditworthiness of Citi and the time remaining to Maturity Date. As a result and as indicated above there is no assurance that an Alpha POLARIS investor that sells their Alpha POLARIS investment prior to maturity will receive a price equal to or in excess of the Alpha POLARIS investors original investment amount. No capital protection is provided to Alpha POLARIS investors if they sell their Alpha POLARIS investment prior to the maturity date. A copy of the Product Disclosure Statement can be obtained by contacting your financial adviser, stockbroker or Alpha Structured Investments. Like all investments, investments in Alpha POLARIS involve some risks. The risks include general market risks and risks which are specific to Alpha POLARIS. Please ensure you have read and understood the Risk Factors which are set out in that PDS. No action should be taken on the basis of or in reliance on the information, opinions or conclusions contained in this document. In preparing the information in this document, Alpha Structured Investments did not take into account the investment objectives, financial situation or particular needs of any particular investor. Before making a decision to invest, investors should consider the appropriateness of the product having regard to their relevant personal circumstances. Investors should read the PDS in full and carefully consider the detailed description of the arrangements and risks in the PDS before deciding whether to apply for Alpha POLARIS. This document is not, and is not intended to be, an offer or invitation for subscription or sale, or a recommendation, with respect to any proposed offering of Alpha POLARIS or any other securities, nor is it to form the basis of any contract or commitment. Once you have read and understood the PDS you can apply by completing the Application Form in the PDS and sending it to your financial adviser or directly to Alpha Structured Investments. The minimum application amount is $20,000 with multiples of $5,000 after that. You should consult your investment adviser before you invest in Alpha POLARIS. Alpha POLARIS are issued by Citi. The value of Alpha POLARIS depends on the ability of Citi to perform its obligations under the Product Disclosure Statement and Terms. Investors must make their own assessment of the ability of Citi to meet its obligations in respect of Alpha POLARIS. Citi is not responsible for the content of this document.
