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Financial planningFuneral Bonds

Bendigo Defensive Index Fund

A defensive fund for the wholesale investor

Bendigo Defensive Index Fund

The Bendigo Defensive Index Fund (Fund) aims to create wealth, by investing in a selection of index funds that seek to track the performance of selected benchmarks for each asset class.

The Managed Fund product/s referenced on this page are issued by our wholly owned subsidiary Sandhurst Trustees Limited.

Minimum initial investment $50,000
Ability to add to your investment
Regular savings plan available

How it works

The Fund’s dynamic asset allocation aims to achieve a better outcome for investors than the static performance benchmark. Its objective is to deliver investment returns after fees in excess of 1.5% above inflation over a full market cycle (typically 7 to 10 years).

Sandhurst has appointed Vanguard as the investment manager of Australian shares, international shares, property securities and Australian and international fixed interest. Vanguard has established a reputation in Australia as an index specialist providing low cost indexed solutions to investors. Sandhurst manages the asset allocation, portfolio management and cash.

The neutral position of the Fund is 20% growth assets and 80% defensive assets .

  Min Max
Australian shares 0% 15%
International shares 0% 15%
Property & infrastructure 0% 12%
Fixed interest 30% 80%
Cash 10% 60%

In exceptional market conditions the Fund may have asset class allocations outside the stated minimum and maximum for short periods of time.

Features

  • Half yearly income distributions
  • Add to your investment at any time (min additional investment $100) or;
  • Regular savings plan available with as little as $50 a month
  • Regular income with capital growth
  • Reputable index managers
Defensive or conservative

To invest in this style, you would have a low tolerance for losses and risks which naturally leads you to give up on a larger return that comes with higher-risk investments. This investment style often looks to fixed income products such as cash, loan funds and bond funds. Usually at least 60% of this portfolio would be in defensive assets.

Recommended investment timeframe

Recommended for at least a 2 year investment period.

Risk Profile

Low

View the Investment Manager Guide

Learn more

Rates and fees*

No establishment fee
No entry or exit fees
No fees for additional contributions
Management Cost 0.39% p.a. of the net asset value of the Fund

View latest Fund performance reports

View past Fund performance

Ready to apply?

You can apply for the Fund by completing and returning the Individual or Entity application form.

If you would like some advice on this fund, investing in a managed fund or your situation and needs please complete our online enquiry form and one of our trained staff members will contact you.

Related documents

The information on this page is a summary only. For further information please refer to the following documents

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Investment strategies

An investment strategy is what guides your investment decisions. It is based on your future income or capital needs, how long you want to invest for, and how much risk you can live with.

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Enquire online

Send us an online enquiry if you have any questions.

Phone

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At a branch

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*Refer to the ‘Fees and costs’ section of the Product Disclosure Statement.

Sandhurst Trustees Limited ABN 16 004 030 737 AFSL 237906 (Sandhurst) is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879. Each of these companies receive remuneration on the issue of the product or service they provide. Sandhurst is the responsible entity and issuer of the managed funds available on this website, and is also the trustee and issuer of the Bendigo superannuation products. Investments in these products are not deposits with, guaranteed by, or liabilities of Bendigo and Adelaide Bank and are subject to normal investment risk, including possible delays in repayment and loss of income and capital invested. Before making an investment decision in relation to one of these products you should consider your situation and read the relevant Product Disclosure Statement available on this site.

Sandhurst is the issuer of the commercial lending products and the provider of any traditional trustee services available on this website. The Bendigo Funeral Bond (“the Bond”) is an investment product issued by Australian Friendly Society Limited (“the Society”), ABN 29 087 648 851 AFSL 247028, with benefits provided by the Society’s Funeral Benefit Fund established under Schedule 1, Rule E of its constitution and administered by Sandhurst. The Travel Protection Plan is issued by AIA Australia Limited ABN 79 004 837 861 AFSL 230043. The Society is associated with the Bank and its related entities. Neither the Bank nor any of its related entities guarantee the repayment of capital invested or the investment performance of the Bond. Information is correct at the date of this document and is subject to change.

The content on this website has been jointly prepared by Sandhurst and Bendigo and Adelaide Bank and contains general advice only. Advice in relation to superannuation and managed investment schemes is provided by Sandhurst and advice in relation to life risk insurance is provided by Bendigo and Adelaide Bank. It is provided as general information and must not be relied upon as a substitute for financial planning, legal, tax or other professional advice. The information is given in good faith and has been derived from sources believed to be accurate at its issue date. Neither Sandhurst nor the Bendigo and Adelaide Bank give any warranty for the reliability or accuracy or accept any responsibility arising in any way, including by reason of negligence for errors or omissions for the information contained on this website. The information contained on this website is subject to change without notice. Neither Sandhurst nor the Bendigo and Adelaide Bank has an obligation to update, modify or amend this website or notify you in the event that a matter of opinion or projection stated changes or subsequently becomes inaccurate.

Neither Sandhurst nor Bendigo and Adelaide Bank is responsible for the content of any other site accessed via this site. That information is the responsibility of the site owner. Links to other sites are provided for convenience only and do not represent any endorsement by Sandhurst or the Bendigo and Adelaide Bank of the products offered by the site owner.

Refer to the Bendigo and Adelaide Bank terms of use for information that governs this website.

Financial Services Guide

Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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