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Instreet Mast S&P/ASX 200

Instreet Mast S&P/ASX 200
Rebate Reduction of 1.0% (incl GST) on Loan Establishment Fee
Closing Date CLOSED
Minimum Investment $2,112.50
Research Lonsec Recommended

An investment in the Australian share market that works for you.
Product Disclosure Statement

Instreet Mast S&P/ASX 200 provides you with a flexible investment solution that allows you to access the growth potential of the Australian share market.

Instreet Mast S&P/ASX 200 provides the potential to benefit from uncapped gains on the Australian share market (as measured by the S&P/ASX 200) over a 3-year period with the potential for annual coupons.

An investment in Instreet Mast S&P/ASX 200 may suit you if you are seeking:
Geared exposure to the Australian share market: benefit from the potential growth of the share market with minimal upfront capital required.
Limited recourse loan: fund your investment with a compulsory 100% limited recourse loan which is not subject to any personal credit enquiries.
Competitive interest rate: 8.25% per annum (fixed for the term).
Uncapped returns: so you can benefit fully* if the market rallies significantly over the investment term.
Walk-away feature: if the share market performance doesn’t meet your objectives you have the ability to walk-away from the investment with no penalties and nothing further to pay on the loan at any stage (or annually).
Volatility management: Instreet Mast S&P/ASX200 will help to smooth your returns by automatically reducing your share market exposure when volatility is high, and increasing your market exposure, up to 150% participation rate, when volatility is low (without your investment ever becoming cash-locked).
Fixed coupon: of 4% p.a. in years 1 and 2.
*Subject to the participation rate.

Benefits and Features

Instreet Mast S&P/ASX200 seeks to provide you with the following potential benefits and features:

An investment that works for you and your SMSF
Exposure to the growth potential of the S&P/ASX 200 Price Return Index
Share market exposure that varies between 0%-150% depending on market volatility
Ability to ‘walk-away’ annually without penalties or any further interest to pay
Competitive interest rate of 8.25% p.a, which is fixed for the life of the loan
Simple application process
Fixed annual coupon of 4% in years 1 and 2.
Uncapped returns at maturity
No margin calls
Limited recourse which means that the lender’s recourse is limited to your units in Instreet Mast S&P/ASX200
No cash locking
SMSF friendly

Volatility management and gearing

Recent share market volatility has shown the impact that gearing can have on a share market investment. This is because gearing can magnify losses as well as gains. With this in mind, volatility management may be an appropriate strategy to help you smooth out share market returns.

Instreet Mast S&P/ASX200 offers you the peace of mind of volatility management as it works to ensure that when share market volatility is high, your exposure to the share market is reduced. Conversely when volatility is low, your exposure to the share market is increased. The following graph shows the performance of the S&P/ASX 200 Price Index alongside the performance of the same index utilising volatility management. It also shows the participation rate.

Important Information

Before investing in Instreet Mast S&P/ASX200, it is important that investors read and understand the terms and investment risks set out in the PDS above.

The Instreet Mast product is issued by Instreet Structured Investment Pty Ltd ACN 140 407 558 and the issue is arranged by Instreet Investment Limited. Instreet Mast is offered in a product disclosure statement dated on or around the 1 February 2012 (PDS). The PDS is available above. In deciding whether to acquire or continue to hold an investment investors must obtain the PDS and carefully consider its contents.

Issuer and PDS: Although RBS Group (Australia) Pty Ltd ABN 78 000 862 797, AFSL 247013 (Issuer) has consented to the inclusion of its name in this document, this document is not prepared or issued by the Issuer or any of its affiliates. Neither the Issuer nor any of its affiliates makes any representation or warranty, express or implied, regarding the investment performance of the Instreet Mast ARC DPA, the suitability of the Instreet Mast ARC DPA for any investor, or the accuracy, completeness or adequacy of information in this document. Neither the Issuer nor any of its affiliates accepts any liability in connection with these matters.

General advice warning: The information contained in this Document is general information only. It has been prepared without taking account any potential investors’ financial situation, objectives or needs and the appropriateness of this information needs to be considered in that context. Advisers must form their own views on whether Instreet Mast is appropriate after considering their clients’ objectives, financial situation and needs. Instreet recommend you seek your own legal and taxation advice. The information may be based on assumptions or market conditions and may change without notice. This may impact the accuracy of the information. In no circumstances is the information in this Document to be used by, or presented to, a person for the purposes of making a decision about a financial product or class of products. This case study is a hypothetical example only and is not a forecast. Due care and attention has been used in the preparation of the hypothetical example. However, actual results may and will vary and any variation may be materially positive or negative. No responsibility or liability is accepted by Instreet or any third party who has contributed to this Document for any of the information contained herein or for any action taken by you or any of your officers, employees, agents or associates.

Past performance: Past performance is not a reliable indicator of future performance. 

Simply download an Investment Brochure/PDS above. It’s that easy!
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