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Resources
Performance
Investment Returns as at 31 January 2020 (PDF 2.6 MB)
End of financial year documents
2019 Integra Super - Important information and updates (PDF 100kB)
2019 Super Advantage - Important information and updates (PDF 118kB)
ANZ Superannuation Savings Account Member Update 2019 (PDF 759kB)
Integra Super Member Update 2019 (PDF 766kB)
End of Financial Year 2019 - statement availability (PDF 43kB)
End of financial year 2019 - contribution cut-off dates (PDF 182kB)
End of financial year 2018 - documents availability (PDF 160kB)
End of financial year 2018 – Contribution cut-off times (PDF 191kB)
End of financial year 2017 - documents availability (PDF 104kB)
End of financial year 2017 – Contributions cut-off times (PDF 132kB)
End of financial year 2016 - documents availability (PDF 68kB)
End of financial year 2016 - Contribution cut-off times (PDF 96kB)
End of financial year 2015 – documents availability (PDF 124kB)
End of financial year cut-off times June 2015 (PDF 136kB)
2014 Annual Statements for super - additional explanatory notes (PDF 40kB)
End of financial year 2014 – documents availability (PDF 52kB)
End of financial year contribution cut-off times - June 2014 (PDF 72kB)
2013 Annual Statements - additional explanatory notes (PDF 44kB)
Product Updates
ANZ OneAnswer
Product Update - Buy-Sell Spreads April 2020 (PDF 147 kB)
Product Update - Buy-Sell Spreads March 2020 (PDF 131 kB)
Customer Notice - BlackRock Scientific Diversified Growth Fund (PDF 543kB)
ANZ OneAnswer Investment Portfolio - Updated Indirect Costs - Decemeber 2019 (PDF 104kB)
OneAnswer Investment fund profile changes - December 2019 (PDF 116kB)
2019 Super Advantage - Important information and updates (PDF 118kB)
ANZ Superannuation Savings Account Member Update 2019 (PDF 759kB)
Updated ANZ OneAnswer Standard Risk Measure 2019 (PDF 138kB)
End of Financial Year 2019 - statement availability (PDF 43kB)
Product Update: Investment profile changes - June 2019 (PDF 350kB)
EOFY 2019 contribution cut-off dates - May 2019 (PDF 182kB)
PDS Update - OptiMix Global Smaller Companies Shares (PDF 52kB)
Product Update - a new single manager approach for OptiMix Global Smaller Companies Shares (PDF 37kB)
Customer Notice - Updated Indirect Costs - ANZ OneAnswer Investment Portfolio (PDF 56kB)
PDS Update - changes to fees and costs - OneAnswer Investment Portfolio (PDF 576kB)
Product update - change of name for some investment funds (PDF 38kB)
ANZ OneAnswer Investor Update July 2018 (PDF 2.1MB)
Updated ANZ OneAnswer Standard Risk Measure 2018 (257kB)
New Underlying Investment Managers for OnePath Australian Share Funds (PDF 48KB)
Updated information - ANZ OneAnswer Transition to Retirement accounts (PDF 177KB)
Expense recovery notice (PDF 168kB)
OptiMix Enhanced Cash Trust - removal of an investment manager (PDF 33kB)
Name Change for the Henderson Global Fixed Interest Total Return Fund (PDF 116kB)
ANZ OneAnswer - closure of selected investment funds (PDF 176kB)
Changes to the underlying managers of the OnePath Alternatives Growth Fund (PDF 92kB)
Investment strategy change to the OnePath Global Property Securities Fund (PDF 56kB)
OptiMix and OnePath diversified funds: review of asset allocation ranges (PDF 128kB)
Enhancements to the OneAnswer investment menu – replacement funds (PDF 96kB)
Changes to OnePath Tax Effective Income Trust (PDF 48kB)
Updated ANZ OneAnswer Standard Risk Measure (PDF 44kB)
Changes to ANZ OneAnswer – Zurich Investments Global Thematic Shares fund (PDF 55kB)
ANZ OneAnswer Investor Update July 2017 (PDF 2.05MB)
Changes to strategic asset allocation for OneAnswer Vanguard diversified funds (PDF 72kB)
2016/17 Federal Budget Proposals Now Law (PDF 104kB)
2017 Annual Australian Prudential Regulation Authority (APRA) Levy and Regulatory Change Levy (PDF 60kB)
OnePath Custodians - Claims Philosophy (PDF 77kB)
Underlying fund changes - Goldman Sachs Income Plus Fund (PDF 32kB)
Investment objective changes for the OnePath and OptiMix diversified funds February 2017 (PDF 64kB)
OnePath Balanced Trust September 2016 distribution (PDF 228kB)
ANZ OneAnswer Standard Risk Measure 2016 update (PDF 80kB)
ANZ OneAnswer Investor Update July 2016 (PDF 684kB)
OptiMix and OnePath diversified funds: review of asset allocation ranges (PDF 112kB)
Vanguard investment funds - Special distributions paid on 4 May 2016 (PDF 36kB)
Changes to investment structure for Vanguard funds (PDF 40kB)
OneAnswer Investment Menu Changes 2016 (PDF 92kB)
Name Changes for some Investment Options (PDF 32kB)
2016 Annual Australian Prudential Regulation Authority (APRA) Levy and Stronger Super Levy (PDF 44kB)
OneAnswer and OptiMix – insurance update (PDF 152kB)
Insurance - update to the Duty of disclosure for new and existing members (PDF 172kB)
Changes to the strategic asset allocation for the Perpetual funds (PDF 96kB)
Early access to superannuation for people with terminal medical condition from 1 July 2015 (PDF 76kB)
Change to the distribution frequency for BT Core Australian Shares (PDF 84kB)
ANZ OneAnswer Investment Portfolio update to June quarterly statements (PDF 60kB)
Product Update and Continuous Disclosure Notice: Changes to ANZ OneAnswer’s OnePath Alternatives Growth fund (PDF 180kB)
UK Pension Transfers to the OnePath MasterFund (PDF 44kB)
Hedging policy change for the underlying fund of the OneAnswer T. Rowe Price Global Equity Fund (PDF 52kB)
Important Information: Employer contribution obligations for SuperStream compliance (PDF 40kB)
Product Update - Bloomberg Indices (PDF 48kB)
Changes to strategic asset allocation for Perpetual funds (PDF 48kB)
ANZ OneAnswer - Superannuation Insurance Changes (PDF 60kB)
ANZ OneAnswer Investor Update July 2015 (PDF 1.09MB)
2015 Annual Australian Prudential Regulation Authority Levy (PDF 40kB)
ANZ OneAnswer Investor Update 2014 (PDF 1.95MB)
OneAnswer Personal Super and Pension investment menu improvements (PDF 80kB)
OneAnswer Investment Portfolio investment menu improvements (PDF 92kB)
New underlying investment manager for the OnePath Global Emerging Markets Shares Fund (PDF 44kB)
New underlying investment manager for the OnePath Global Shares Fund (PDF 44kB)
Annual Australian Prudential Regulation Authority (APRA) Levy (PDF 32kB)
ANZ OnePath and OnePath Custodians Products - Privacy Law Changes (PDF 44kB)
OneAnswer BlackRock Scientific Diversified Growth Fund March 2014 (PDF 44kB)
OneAnswer Kapstream Absolute Return Fund (PDF 76kB)
OneAnswer - Enhanced disclosure for hedge funds - 1 February 2014 (PDF 72kB)
OneAnswer - Changes to Vanguard diversified funds (PDF 100kB)
Removal of member protection on small superannuation balances (PDF 32kB)
OneAnswer - changes to OptiMix and OnePath diversified funds (Superannuation) (PDF 160kB)
OneAnswer - changes to OptiMix and OnePath diversified funds (Investments) (PDF 164kB)
Government increases to the Australian Prudential Regulation Authority (APRA) Levy (PDF 128kB)
ANZ OneAnswer Investor Update 2013 (PDF 1.06MB)
OneAnswer Investment menu changes (PDF 96kB)
OneAnswer BlackRock Asset Allocation Alpha Fund - transition to a replacement fund (PDF 56kB)
OneAnswer BlackRock Asset Allocation Alpha Fund - termination date extended (PDF 32kB)
Distribution frequency update for selected funds - January 2013 (PDF 32kB)
Product Update: Annual Australian Prudential Regulation Authority (APRA) Levy 2015 (PDF 40kB)
ANZ Super Advantage
Product Update - Buy-Sell Spreads March 2020 (PDF124 kB)
End of Financial Year 2019 - statement availability (PDF 43kB)
EOFY 2019 contribution cut-off dates - May 2019 (PDF 182kB)
The Super Advantage Magazine August 2018 (PDF 1.2MB)
The Super Advantage Magazine August 2017 (PDF 440kB)
2016/17 Federal Budget Proposals Now Law (PDF 104kB)
2017 Annual Australian Prudential Regulation Authority (APRA) Levy and Regulatory Change Levy (PDF 60kB)
OnePath Custodians - Claims Philosophy (PDF 77kB)
Changes to investment structure for Vanguard funds (PDF 40kB)
ANZ Super Advantage Standard Risk Measure 2016 update (PDF 48kB)
The Super Advantage Magazine July 2016 (PDF 732kB)
2016 Annual Australian Prudential Regulation Authority (APRA) Levy and Stronger Super Levy (PDF 44kB)
Insurance - update to the Duty of disclosure for new and existing members (PDF 172kB)
Changes to the strategic asset allocation for the Perpetual funds (PDF 96kB)
Changes to the OnePath Alternatives Growth fund (PDF 176kB)
UK Pension Transfers to the OnePath MasterFund (PDF 44kB)
2015 Annual Australian Prudential Regulation Authority Levy (PDF 40kB)
Important Information: Employer contribution obligations for SuperStream compliance (PDF 40kB)
OnePath GEM investment manager change (PDF 44kB)
Removal of member protection on small superannuation balances (PDF 32kB)
New underlying investment manager for the OnePath Global Shares Fund (PDF 48kB)
BlackRock benchmark change (PDF 44kB)
Changes to strategic asset allocation for Perpetual funds (PDF 48kB)
Government increases to the Australian Prudential Regulation Authority (APRA) Levy (PDF 128kB)
ANZ Super Advantage - Superannuation Insurance Changes (PDF 64kB)
The Super Advantage Magazine - July 2015 (PDF 623kB)
The Super Advantage Magazine – June 2014 (PDF 1.86MB)
ANZ Super Advantage Product Update: Standard Risk Measures (PDF 72kB)
ANZ Super Advantage Product Update - Nomination of beneficiary (PDF 40kB)
Reduction of withdrawal fee for ANZ Super Advantage and Integra Super (PDF 76kB)
ANZ Super Advantage - change of underlying fund for the AXA Global Equity Value Fund (PDF 48kB)
BlackRock Asset Allocation Alpha Fund transition to a replacement fund - ANZ Super Advantage (PDF 48kB)
ANZ Super Advantage strategic asset allocation changes - 14 June 2013 (PDF 48kB)
The Super Advantage Magazine – June 2013 (PDF 1.08MB)
Annual Australian Prudential Regulation Authority (APRA) Levy (PDF 32kB)
ANZ OnePath and OnePath Custodians Products - Privacy Law Changes (PDF 44kB)
BlackRock Asset Allocation Alpha Fund - termination date extended ANZ Super Advantage (PDF 32kB)
Product Update: Annual Australian Prudential Regulation Authority (APRA) Levy 2015 (PDF 40kB)
ANZ Superannuation Savings Account
2016/17 Federal Budget Proposals Now Law (PDF 104kB)
2017 Annual Australian Prudential Regulation Authority (APRA) Levy and Regulatory Change Levy (PDF 60kB)
OnePath Custodians - Claims Philosophy (PDF 77kB)
ANZ Superannuation Savings Account Member Update 2016 (PDF 1.5MB)
2016 Annual Australian Prudential Regulation Authority (APRA) Levy and Stronger Super Levy (PDF 44kB)
Important Information: Employer contribution obligations for SuperStream compliance (PDF 40kB)
Superannuation Savings Account - Superannuation Insurance Changes (PDF 48kB)
ANZ Superannuation Savings Account Member Update 2015 (PDF 548kB)
ANZ Superannuation Savings Account Member Update 2014 (PDF 1.81MB)
Removal of member protection on small superannuation balances - ANZ Superannuation Savings Account (PDF 32kB)
Government increases to the Australian Prudential Regulation Authority (APRA) Levy (PDF 128kB)
ANZ Superannuation Savings Account Member Update 2013 (PDF 1.07MB)
Integra Super
Product Update - Buy-Sell Spreads March 2020 (PDF124 kB)
2019 Integra Super - Important information and updates (PDF 100kB)
Integra Super Member Update 2019 (PDF 766kB)
Integra Super Member Update August 2018 (PDF 1.07 MB)
Integra Super Member Update August 2017 (PDF 1.44MB)
2016/17 Federal Budget Proposals Now Law (PDF 104kB)
OnePath Custodians - Claims Philosophy (PDF 77kB)
Integra Super Member Update July 2016 (PDF 676kB)
Name Changes for some Investment Options (PDF 32kB)
Changes to the strategic asset allocation for the Perpetual funds (PDF 96kB)
Changes to the OnePath Alternatives Growth fund September 2015 (PDF 108kB)
Important Information: Employer contribution obligations for SuperStream compliance (PDF 40kB)
Integra Super Member Update July 2015 (PDF 608kB)
Integra Super - Superannuation Insurance Changes (PDF 48kB)
Reduction of withdrawal fee for ANZ Super Advantage and Integra Super (PDF 76kB)
Integra Super Product Update and Continuous Disclosure - 1 July 2013 (PDF 64kB)
Integra Super strategic asset allocation changes - 14 June 2013 (PDF 52kB)
Wholesale Trusts
ANZ Cash Plus Product Update - Buy-Sell Spreads - March 2020 (PDF 107kB)
ANZ Fixed Income Fund Product Update - Buy-Sell Spreads - March 2020 (PDF 107kB)
ANZ Private International Fixed Interest Product Update - Buy-Sell Spreads - March 2020 (PDF 108kB)
ANZ Enhanced Yield Fund - Product Update and Customer Disclosure Notice - Sell Spread change - 18 March 2020 (PDF 135kB)
ANZ Cash Plus Fund 2017-07-07 (PDF 36kB)
ANZ Enhanced Yield Fund 2017-07-07 (PDF 48kB)
ANZ Fixed Income Fund 2017-07-07 (PDF 36kB)
ANZ Global Equities Fund 2017-07-07 (PDF 40kB)
Product Update: Important changes to ANZ Private click here (PDF 36kB)
General updates
End of Financial Year 2019 - statement availability (PDF 43kB)
EOFY 2019 contribution cut-off dates - May 2019 (PDF 182kB)
Important information about superannuation and pension products (PDF 43kB)
2018 ANZ Investor Update (PDF 1.1MB)
New Underlying Investment Managers for OnePath Australian Share Funds (PDF 48KB)
Updated information - ANZ OneAnswer Transition to Retirement accounts (PDF 177KB)
Expense recovery notice (PDF 168kB)
Insurance in superannuation code of practice (PDF 15kB)
2017 ANZ Legacy Investor Update (PDF 1.41MB)
2016/17 Federal Budget Proposals Now Law (PDF 104kB)
2017 Annual Australian Prudential Regulation Authority (APRA) Levy and Regulatory Change Levy (PDF 60kB)
OnePath Custodians - Claims Philosophy (PDF 77kB)
ANZ Investor Update July 2016 (PDF 632kB)
Federal Budget 2016/17 (PDF 44kB)
2016 Annual Australian Prudential Regulation Authority (APRA) Levy and Stronger Super Levy (PDF 44kB)
Insurance - update to the Duty of disclosure for new and existing members (PDF 172kB)
ANZ Investor Update July 2015 (PDF 1.03MB)
UK Pension Transfers to the OnePath MasterFund (PDF 44kB)
2015 Annual Australian Prudential Regulation Authority Levy (PDF 40kB)
Standard Risk Measures (PDF 68kB)
Important Information: Employer contribution obligations for SuperStream compliance (PDF 40kB)
Change to the dishonoured cheque processing procedure May 2015 (PDF 24kB)
Annual Australian Prudential Regulation Authority (APRA) Levy (PDF 32kB)
ANZ OnePath and OnePath Custodians Products - Privacy Law Changes (PDF 44kB)
Removal of member protection on small superannuation balances (PDF 32kB)
Government increases to the Australian Prudential Regulation Authority (APRA) Levy (PDF 128kB)
Change of name for OnePath holding company (PDF 20kB)
Notification of termination and wind-up of investment funds (PDF 48kB)
Product Update: Annual Australian Prudential Regulation Authority (APRA) Levy 2015 (PDF 40kB)
OnePath Mortgages and Income Plus funds
Final Termination of the Funds (PDF 34kB)
Update on suspended funds – March 2018 (PDF 176kB)
Sept 2015 – notice of termination (PDF 212kB)
OnePath Income Plus unit price update - April 2015 (PDF 32kB)
Details of March 2015 return of capital payment (PDF 28kB)
Details of December 2014 return of capital payment (PDF 28kB)
Details of September 2014 return of capital payment (PDF 28kB)
Update September 2014 - OnePath Mortgages and Income Plus funds (PDF 80kB)
Details of June 2014 quarter return of capital payment (PDF 28kB)
Details of March 2014 quarter return of capital payment (PDF 36kB)
Details of December 2013 quarter return of capital payment (PDF 28kB)
Details of September 2013 quarter return of capital payment (PDF 28kB)
Details of June 2013 quarter return of capital payments (PDF 28kB)
Details of March 2013 quarter return of capital payments (PDF 28kB)
Challenger Howard Mortgages
Termination of the OneAnswer Challenger Howard Mortgage Fund (PDF 24KB)
Termination of Challenger Howard Mortgages Fund for September 2014 quarter (PDF 28kB)
Details of capital payment for June 2014 quarter (PDF 28kB)
Details of capital payment for March 2014 quarter (PDF 28kB)
Challenger Howard Mortgages Fund - January 2014 update (PDF 60kB)
AMP Capital Enhanced Yield
Sept 2015 – termination now complete (PDF 208kB)
AMP Capital Enhanced Yield Fund unit price update - April 2015 (PDF 32kB)
Special distribution paid for March 2015 quarter (PDF 28kB)
Special distribution paid for December 2014 quarter (PDF 28kB)
Confirmation of windup and unit price update (PDF 24kB)
Special distribution paid for September 2014 quarter (PDF 28kB)
AXA Australian Property fund
Return of capital standing instruction form
Suspended funds - background
Financial Reports and Tax Guides
2019 Retirement Portfolio Service Annual Report (PDF 853kB)
2019 Guide to Annual Reports – ANZ OneAnswer Investment Portfolio (PDF 66kB)
2019 - Annual Report - Booklet 1 (PDF 1.4MB)
2019 – Annual Report - OneAnswer Separate Account Trust (PDF 269kB)
2019 – Annual Report – Booklet 2 (PDF 4MB)
2019 – Annual Report – Retail Mortgage Trusts (PDF 410kB)
2019 - myTax Guide (PDF 2.2MB)
2019 - ANZ Annual Tax Statement Guide (PDF 1MB)
2019 - Attribution Managed Investment Trust Tax Guide (PDF 459kB)
2019 - ANZ OneAnswer Pension and ANZ OneAnswer Term Allocated Pension Tax Guide (PDF 938kB)
2018 - OnePath MasterFund Annual Report (PDF 996kB)
2018 - Guide to Financial Reports - ANZ OneAnswer Investment Portfolio (PDF 67kB)
2018 - Financial Report - Booklet 1 (PDF 1.2MB)
2018 - Financial Report - Booklet 2 (PDF 4MB)
2018 - OneAnswer Separate Account Trust (PDF 280kB)
2018 - Financial Report - Retail Mortgage Trusts (PDF 397kB)
2018 - myTax Guide (PDF 2MB)
2018 - ANZ Annual Tax Statement Guide (PDF 404kB)
2018 - Attribution Managed Investment Trust Tax Guide (PDF 404kB)
2017 - OnePath Master Fund Annual Report (PDF 400kB)
2017 - Guide to Financial Reports - ANZ OneAnswer Investment Portfolio (PDF 1.02MB)
2017 - Financial Reports - Booklet 1 (PDF 1.54MB)
2017 - Financial Reports - Booklet 2 (PDF 3.78MB)
2017 - Financial Reports - OneAnswer Separate Account Trust (PDF 682kB)
2017 - Financial Reports - Retail Mortgage Trusts (PDF 825kB)
2017 - ANZ Guide to completing your tax return using myTax (PDF 1.80MB)
2017 - ANZ Consolidated Tax Guide (PDF 476kB)
2016 - One Path Master Fund Annual Report (PDF 392kB)
2016 - Guide to Financial Reports - ANZ OneAnswer Investment Portfolio (PDF 144kB)
2016 - Financial Reports - Booklet 1 (PDF 1.26MB)
2016 - Financial Reports - Booklet 2 (PDF 1.2MB)
2016 - Financial Reports - OneAnswer Separate Account Trust (PDF 1.54MB)
2016 – Financial Report - Retail Mortgage Trusts (PDF 651kB)
2016 - ANZ Guide to completing your tax return using myTax (PDF 528kB)
2016 - ANZ Consolidated Tax Guide (PDF 428kB)
2015 OnePath Master Fund Annual Report (PDF 560kB)
2015 Guide to Financial Reports - ANZ OneAnswer Investment Portfolio (PDF 80kB)
2015 Financial Reports - Booklet 1 (PDF 1.19MB)
2015 Financial Reports - Booklet 2 (PDF 3.49MB)
2015 Financial Reports - OneAnswer Separate Account Trust (248kB)
2015 Financial Reports - Retail Mortgage Trusts (PDF 456kB)
2015 Financial Reports - OneAnswer - AMP Capital Enhanced Yield Trust (PDF 316kB)
2015 ANZ Consolidated Tax Guide (PDF 724kB)
2014 OnePath MasterFund Annual Report (PDF 516kB)
Financial Reports 2014 - Booklet 1 (PDF 1.2MB)
Financial Reports 2014 - Booklet 2 (PDF 4.31MB)
Financial Reports 2014 - OneAnswer Separate Account Trust (PDF 280kB)
Financial Reports 2014 - Retail Mortgage (PDF 440kB)
Financial Reports 2014 - ANZ Fixed Income Fund (PDF 440kB)
Financial Reports 2014 - OneAnswer Challenger Howard Mortgage Trust (PDF 348kB)
Guide to Financial Reports 2014 - ANZ OneAnswer Investment Portfolio (PDF 80kB)
2013 OnePath MasterFund Annual Report (PDF 384kB)
2013 Financial Reports - booklet 1 (PDF 1.05MB)
2013 Financial Reports - booklet 2 (PDF 3.73MB)
2013 Financial Reports - booklet 3 (PDF 1.28MB)
2013 Financial Reports - booklet 4 (PDF 372kB)
Guide to Financial Reports 2013 - ANZ OneAnswer Investment Portfolio (PDF 74.9kB)
ANZ guide to completing your tax return using e-tax (PDF 768kB)
ANZ Guaranteed Income Plan 2013 Tax Guide (PDF 148kB)
ANZ Guaranteed Income Deposit 2013 Tax Guide (PDF 112kB)
ANZ OneAnswer Pension and ANZ OneAnswer Term Allocated Pension 2013 Tax Guide (PDF 144kB)
OneAnswer Separate Account Trusts - 2013 Financial Report (PDF 248kB)
ANZ Online Investment Account Unit Trust - 2013 Financial Report (PDF 328kB)
Mortgage Portfolio Investment information
OnePath Mortgage and Income Plus funds – additional information - June 2015 (PDF 360kB)
OnePath Mortgage and Income Plus funds – additional information – March 2015 (PDF 348kB)
OnePath Mortgage and Income Plus funds – additional information December 2014 (PDF 300kB)
OnePath Mortgage and Income Plus funds – additional information September 2014 (PDF 336kB)
OnePath Mortgage and Income Plus funds – additional information - June 2014 (PDF 300kB)
OnePath Mortgage and Income Plus funds – additional information - March 2014 (PDF 256kB)
OnePath Mortgage and Income Plus funds – additional information - December 2013 (PDF 344kB)
OnePath Mortgages and Income Plus funds - additional information - September 2013 (PDF 340kB)
OnePath Mortgages and Income Plus funds - additional information - June 2013 (PDF 252kB)
OnePath Mortgages and Income Plus funds - Additional information - March 2013 (PDF 204kB)
The below Insurance Guides to apply to the NTT Australia superannuation plan and NTT Australia Digital.
For NTT Australia Superannuation Plan members
ANZ Smart Choice Super OnePath Life NTT Insurance Guide (PDF 164kB)
For NTT Australia Digital Superannuation Plan members
ANZ Smart Choice Super OnePath Life Tailored Insurance Guide (PDF 178kB)
Talk to us about your OneAnswer account
Big super questions
This information does not take your circumstances into account. Read the relevant Product Disclosure Statements or other disclosure documents before making a decision.
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