OneAnswer Frontier is a comprehensive fee for service advice solution offered by OnePath, enabling members to tailor their investment solutions to help achieve their retirement goals. A minimum initial investment of $20,000 is required to start a OnePath OneAnswer Frontier Pension. OneAnswer Frontier offers a comprehensive investment menu, providing members with access to both OptiMix and OnePath multi-manager funds, as well as a range of diversified and single sector investment funds and term deposits. The Vanguard Growth Index option underperformed the SuperRatings Index over the 5-year period to 30 June 2020; however, outperformed over other time periods assessed.Fees are competitive and lower than the industry average across all member account balances assessed. The dollar-based administration fee is waived on account balances of $50K and over, and rebates apply on account balances over $300K. Members are able to switch investment options without incurring a switching fee, although, a buy-sell spread may apply.OneAnswer Frontier Pension provides excellent flexibility, with members having the ability to receive payments monthly through to annually, as well as 'At-Call' access to their income through ANZ ATMs, EFTPOS, ANZ Branches, ANZ Internet Banking and ANZ Phone Banking. Pension payments can be automatically indexed by a fixed percentage each year. Beneficiary options are comprehensive, including non-lapsing, binding and non-binding nominations, as well as reversionary pensions. OnePath's secure online facility, Account Access, allows members to view and update their account details, as well as perform transactions. Interactive online tools, calculators and factsheets are available through the fund's website.

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