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netwealth provides simple and cost effective investment solutions. All services are online 24 hours a day, 7 days a week so you can research, invest and monitor your investments anytime, whenever it is convenient for you.

Whether you are a large or small investor, whether you are experienced or inexperienced, netwealth provides you with the tools and information you need to take control of your own wealth management.

  • Each of the seven netwealth Funds has a unique investment strategy and you can select the one you believe is right for you! We believe these funds provide virtually all the alternatives you might need.
  • Let us take care of all the paperwork while you keep control of your investment decisions with the netwealth Investment Wrap. All your investments in shares and managed funds can be centralised in the one portfolio administration system. You make the investment decisions and we do all the paperwork including preparing taxation information at year end.
  • To allow you to plan for and enjoy your retirement netwealth offers the netwealth Super Wrap

netwealth Investments Limited (ABN 85 090 569 109) trading as netwealth, is an unlisted public company established in 1999 to provide a wide range of financial products to investors who understand the need to invest to achieve their financial goals. netwealth holds an Australian Financial Services Licence (AFSL 230975) issued by the Australian Securities and Investments Commission (ASIC) and a Registrable Superannuation Entity (RSE Lic. No. L0000192) issued by APRA. These licences authorise netwealth to offer a range of products including the netwealth Multi-Manager Funds, the netwealth Super Wrap and the netwealth Investment Wrap. netwealth is a member of the Investment & Financial Services Association (IFSA).

The company was founded by Michael Heine who was previously Managing Director of Heine Management Limited (Heine). Through its subsidiaries Heine managed a broad range of investment products including listed property trusts, superannuation and unit trusts. Funds under management totalled $2.75 billion at October 1999 when the Mercantile Mutual Group acquired the company for more than $110 million.

Macquarie Bank

Macquarie Group is a leading provider of banking, financial, advisory, investment and funds management services. Our global operations include offices in the world's major financial centres.

We combine entrepreneurial drive with deep industry and regional expertise and robust risk management. This gives our clients and investors confidence, and allows us to deliver innovative products and services and strong investment returns.

Macquarie has a non-hierarchical organisational structure, split into six operating groups and one division. The Executive Committee, a central group comprising the Managing Director, Deputy Managing Director, Head of Risk Management, Head of Corporate Affairs and heads of Macquarie's major operating groups, manage the organisation as a whole.

Individual businesses operate within Macquarie's operating groups and divisions. These businesses work closely together, specialising in defined product or market sectors, and are committed to their client's relationship with the Macquarie group.

Within overall guidelines and a strong risk management framework, the operating groups have substantial discretion in the way they manage their business activities. Great emphasis is placed on a client's relationship with Macquarie as a whole.

Three service groups provide the framework, infrastructure and support that the operating groups require to manage their business. These are the Corporate Affairs, Information Technology and Risk Management Groups.


CommInsure is a leader in the Australian insurance industry and part of the Commonwealth Bank Group. The CommInsure name was first introduced in 1999. Although the name is relatively new, CommInsure's roots within the Australian insurance industry go back well over one hundred years.

Important dates in CommInsure's history

  • 1873 - The Colonial Mutual Life Assurance Society established
  • 1912 - Commonwealth Bank established
  • 1975 - Commonwealth Bank offers building insurance
  • 1995 - Commonwealth Bank launches Commonwealth Connect Insurance Limited (CCIL)
  • 1997 - Colonial acquires Prudential
  • 1998 - CCIL changes it's name to Commonwealth Insurance Limited (CIL)
  • 1999 - CIL starts using CommInsure as its brand name
  • 2000 - Commonwealth Bank acquires Colonial
  • 2002 - Colonial insurance operations come under CommInsure brand
Straightforward Insurance Solutions

CommInsure helps protect the lifestyles of Australians. We offer an extensive range of straightforward insurance solutions at affordable premiums with a fresh approach through innovation, simplicity, competitive products and responsive service.


AMP is a leading wealth management company operating in Australia and New Zealand, with selective investment management activities in Asia (through AMP Capital Investors) and a growing banking business in Australia.

AMP has two core business units:
AMP Financial Services which provides financial planning advice, superannuation, retirement savings and income products, investments, risk insurance and selected banking products; and

AMP Capital Investors which manages investments for clients across all the major asset classes including equities, fixed interest, infrastructure, property, diversified funds and multi-manager funds.

In Australia, AMP is a leading provider of retail and corporate superannuation and retirement income products. We have one of the largest aligned planner forces in Australia and New Zealand.

We are also one of the region's largest investment managers, with more than $111 billion in assets under management (as at 30 June 2010).

AMP has:

  • around 790,000 shareholders
  • more than 3.8 million customers
  • more than 3,700 employees
  • more than 2,100 financial planners in Australia and New Zealand.


Working out your finances, optimising super and choosing the right insurance, investments and loans can be challenging for anyone.

But at Mercer, we make organising your money much, much simpler.

Our integrated approach and expert financial advice is designed to better structure your finances, make them easier to manage, and help you reach your investment goals sooner.

Mercer’s outsourcing business has $40 billion in funds under administration locally, provides services to 650,000 super members and 20,000 private clients and is part of a global consulting, outsourcing and investments firm which operates in 42 countries.

Our approach will give you the confidence that you’re optimally positioned for financial well-being today, and for a safe, comfortable retirement.

Mercer Wealth Solutions is a division of Mercer (Australia) Pty Ltd, part of Mercer Inc., one of the world's largest consulting firms.


More people in health and community services choose HESTA than any other fund

We value your work in supporting Australians when they need it most, and we're proud to play a key role in helping you create the future you want.

No matter what health or community service you provide, HESTA is here to help support you.  We care about your industry and all the people who work in it.

With more than:

  • 690,000 members
  • 89,000 employers; and
  • $15 billion in assets

HESTA can keep its fees low, which could save you thousands over time.  And with our solid history of strong long-term returns, we aim to help you reach your retirement goals.

BT Financial Group

BT Financial Group (BT) has been helping Australians create and manage wealth since 1969 and today is one of Australia’s strongest wealth managers with more than $95 billion in total investments.

BT's core business is providing investment, superannuation and retirement income products, investment administration services, financial advice and insurance solutions through our range of leading brands.

In Australia and New Zealand, BT provides a diverse range of investment choices, including multi-manager investments through relationships with some of the world's leading global and local investment managers, as well as funds managed by BT Investment Management.

BT Financial Group is the wealth management arm of The Westpac Group. Westpac has been delivering banking and other financial services to Australians since 1817.

The combination of BT Financial Group and St.George's wealth management businesses will result in us:

  • BT is the largest administrator of superannuation, retirement and investments in Australia (measured by funds under administration), with more than $95 billion in total investments.
  • Our BT Wrap and Asgard investment administration platforms are used as an investment hub by over 10,000 advisers around Australia.
  • We manage corporate superannuation plans for over 23,000 employers across Australia, with around 550,000 plan-members.
  • Our insurance business provides general and life insurance protection to more than 1 million Australians.

Rest Super

The Retail Employees Superannuation Trust (REST) was established in 1988. Open to all Australians, we are Australia’s largest superannuation fund by membership, with over 1.8 million members and more than $16 billion of funds under management.

The Fund is managed on a day-to-day basis by a Trustee company, Retail Employees Superannuation Pty Limited. The REST directors do not receive any remuneration in relation to their duties as directors of the Trustee.

As a profit-to-members fund, we put our members first. Our fees are among the lowest of any superannuation fund.

  • Low fees
  • Investment choice
  • Sound returns
  • Great value insurance
  • Open to everyone


With over A$75 billion funds under management, over 1,500 advisers and close to 2,000 employees, AXA is a leading provider of wealth management and financial protection products and services through brands including Australian Casualty & Life, ipac and Summit.

Our commitment is to provide quality financial advice. Our professional financial advisers can help you to bring your plans to life with appropriate investment, insurance, retirement and superannuation solutions.

AXA Australia has now been helping Australians provide for their financial future for over 100 years. AXA Australia is a member of the Global AXA Group, one of the largest financial services groups in the world with an enviable track record in meeting the superannuation, investment and insurance needs of more than 65 million customers worldwide and as at 30 June 08, the AXA Group had in excess of A$1.6 trillion funds under management. That makes AXA a winning combination of global strength and local knowledge - working for you.

Cbus Super

With over $13 billion in funds under management, more than 570,000 members and more than 65,000 participating employers, Cbus is one of Australia’s largest super funds.

Established in 1984, Cbus is the industry superannuation fund for the construction, building, infrastructure and allied industries. It is also a ‘public offer' fund, which means that anyone, in any industry, can join.

Cbus is also one of Australia’s top performing super funds. We are run only to benefit members, have low fees and don’t pay commissions to sales agents or financial advisers.

Cbus invests back into the construction and building industry, which not only provides strong long term investment returns, but helps to boost our economy and create jobs for members.


Asgard has been working behind the scenes with financial advisers since 1985 to create products and services that help you reach your financial goals. Financial advisers consistently rank Asgard as one of the best providers of superannuation and investment solutions in Australia.

Today, we are proud to help over 400,000 Australians invest over $37 billion* through our award-winning platforms and services. And, we’re even stronger now that we’re part of the Westpac Group.

As an investor, you’ll find many reasons to invest with Asgard. If you’re not with Asgard, ask your adviser to contact us.


Asteron has been a specialist life insurance company for more than 175 years.

In 1833 we wrote the first life insurance policy in Australia. And we paid the first claim shortly after. True to the promise we make to our customers, we’ve been paying claims ever since.

In 2008 Asteron paid more than $369 million in total claims to around 6,200 customers Australia-wide. That's about $1 million a day to Australian families when they need it most.

Asteron is part of the Suncorp Group.

Suncorp is a leader in Australia and New Zealand across banking, investment, insurance and superannuation with assets of around $85 billion.

The Suncorp Group builds and protects the dreams of more than seven million customers, under a portfolio of well-known brands such as GIO, AAMI, Vero, Tyndall and APIA (Australian Pensioners Insurance Agency).


AIA Australia is part of the AIA Group, a leading group of life insurance organisations in Asia.

The AIA Group's success is built on experience from serving the world's most dynamic region for 90 years. Its strong Asian roots also provide an in depth understanding of local markets, customer needs and trends


TOWER Australia is an innovative and competitive provider of life insurance, risk, superannuation and retirement solutions. Our objective is to deliver the right products, services and information to its customers to help them make informed decisions about their risk and superannuation needs. It delivers these services efficiently to customers primarily through a network of independent advisers.

We are focused on being a provider of specialist risk and related superannuation products. To achieve this, we regularly review and enhance product and service offerings to ensure they are competitive in benefits, flexibility, choice and customer value.


Zurich Financial Services Australia Ltd (Zurich) is the only global financial services company operating in Australia under a single brand in our core lines of business - general insurance, life risk, investment and superannuation products.

So when did it start? The Australian lineage of the Zurich Group dates back to 1920 when the Commonwealth General Assurance Corporation Ltd (CGA) was incorporated in New South Wales. CGA became a part of the Zurich Financial Services Group in 1961.

Today, the company has offices around the country and is headquartered in North Sydney, employing approximately 1000 staff. David Smith is the Chief Executive, while Terry Paradine is the Chair of its board of directors.


For over 160 years,IOOF has accompanied Australians' journey towards a secure and rewarding financial future. IOOF's strength and reputation as a financial services organisation was cemented with the merger between Australian Wealth Management in April 2009 and the acquisition of Skandia in March 2009.

At 31 December 2009, IOOF had $100.8 billion in Funds Under Management, Administration, Advice and Supervision.

The Group's products and services are designed to accompany the lives of around 700,000 Australians from wealth accumulation into retirement and across to the next generation.

IOOF is a fully integrated financial services company offering:

  • Wealth Management services via our extensive network of financial advisers and stockbrokers. IOOF advises retail clients on investment strategies, wealth protection and accumulation, stockbroking and retirement planning. Together with our referral partners, IOOF services thousands of clients to make us one of Australia's leading financial planning groups.
  • Superannuation administration for over 500,000 clients and hundreds of employers in Australia. Our platforms allow clients, employers and advisers to manage a wide range of investments, including managed funds and direct shares.
  • Investment Management products that are easy to understand with well-rounded investment options. Our multi investment manager or 'manage the manager' products offer flexibility across a range of asset classes.
  • Asset Management opportunities with Perennial Investment Partners Limited, Australia's leading boutique investment firm. Comprising several boutique firms Perennial's investment capabilities cover Australian shares, international shares, Australian listed property, global listed property, fixed interest and cash.
  • Estate Planning services including the preparation of wills and estates, powers of attorney and the management of deceased estates by Australian Executor Trustees (AET). AET is also a specialist in the provision of personal trusts.
  • Corporate Trust services involving acting as custodian for managed investment schemes, acting as trustee or security trustee for securitisation and structured finance transactions, and as trustee for note and other debt issues.

A strong emphasis is placed on achieving the best result for our clients with committed and capable employees delivering the highest standards of customer service. Ensuring the business is efficient through cost control presents another way to deliver shareholder value.

IOOF will continue to strengthen its operations to consolidate its position as one of Australia's largest independent wealth managers


MLC is the wealth management division of the National Australia Bank (NAB). MLC provides investment, superannuation, insurance and private wealth solutions to corporate and institutional customers.

MLC supports the provision of quality financial advice through its financial planning networks including NAB Financial Planning, Godfrey Pembroke, Garvan Financial Planning, MLC Financial Planning and Apogee Financial Planning.

MLC manages more than $85 billion on behalf of individual investors and corporate customers in Australia (as at September 2009).

MLC uses a 'manager of managers' investment approach. This means MLC does not directly manage investment funds. Instead, MLC's multi-manager options combine the expertise of up to 32 leading investment managers from around the world. This approach gives investors access to a combination of individually selected investment managers providing diversity across asset classes, within asset classes and across investment styles. The aim is to provide greater consistency of performance in variable market conditions compared to a single manager and significantly reduce risk without compromising the overall return. MLC is the third largest multi-manager in the world, with 8% of the world market share (Cerulli Associates - Cerulli Quantitative Update: Global Multi-manager Products 2008).

MLC holds the number one position for personal insurance annual inforce premiums with 14.1% market share (source: DEXX&R Life Analysis as at June 2009) and is the second largest provider of superannuation in Australia with 16.4% market share (source: Plan for Life Quarterly Data System as at June 2009).

MLC is the partner of choice for around 1,300 self-employed aligned and salaried advisers in Australia and holds relationships with more than 3,000 independently owned and licensed advisers who choose MLC's financial solutions to meet the needs of their clients.


ING Australia has been helping Australians grow and protect their wealth for over 120 years and is one of Australia’s leading fund managers, life insurers and superannuation providers.

From May 2002 until November 2009, ING Australia operated as a joint venture between Australia and New Zealand Banking Group Limited (ANZ) and the global ING Group (ING). On 30 November 2009 ANZ purchased all of ING Group’s shareholding in ING Australia, and now owns 100% of the company. ING Australia now operates as ANZ’s Australian specialist wealth management and protection business.

ANZ is one of Australia’s largest companies. It has operations in 32 countries and has more than 40,000 staff. 

Although ING Australia is now owned by ANZ, we have a licence from ING Group to continue to use the ING brand for a period while we transition to a new brand – expected to be by late 2010. We will work to make this transition as smooth as possible and minimise disruption for our customers.

At ING Australia we value and appreciate our people, our customers, the environment and society we live in and operate in. We are committed to acting ethically and meeting our social and environmental responsibilities. ING Australia actively encourages staff to donate their time and skills to volunteering and fund raising programs to support charities and the wider community.

Colonial First State

At Colonial First State, we’ve been helping Australians with their investment needs since 1988. In that time we've become one of Australia's leading wealth management groups, with more than A$90 billion under management globally.

How did we get here? Strong investment performance, efficient administration, value for money and award-winning service have all played a part.

But there's something else. We’re passionate about what we do.

In all areas of our business, we're absolutely dedicated to the financial well-being of our clients – no matter how big or small their investments.

We provide investment, superannuation and retirement products to individuals as well as to corporate and superannuation fund investors. Our wide range and investment management expertise spans Australian and global shares, property, fixed interest, credit, infrastructure and private equity.

In addition, our FirstChoice product offers over 100 investment options. Some of these options are managed by us and others by well-known investment managers and specialist boutique managers. We’re also a leader in providing value for money, and offer the choice of retail and wholesale investment products.

Our consistent and disciplined approach to investing has been acknowledged by many awards within the investment management industry. See our latest awards.

Service is at the heart of our business, which is why we don’t outsource our customer service expertise. And we’ve also made it simple for you to keep track of your investments online, over the phone, in person, or by mail.

Our people strive to be passionate, accountable, proactive and respectful, and we actively promote these values through training and management. Most importantly, we never lose sight of the fact that we’re responsible for other people's money.

At Colonial First State, we not only care about the well-being of our customers, but also the community as a whole. So we’ve introduced a number of initiatives that will benefit those in need, including the Staff Community Fund, Earth Hour, and our sponsorship of the Sydney Morning Herald Half Marathon.

The Wealthsure AFSL applies to financial product advice only. Please note Mortgage Brokering, General Insurance, Accounting, Legal Document Drafting, Taxation, Real Estate and Business coaching are not considered to be financial products.

The information contained within the website is of a general nature only. Whilst every care has been taken to ensure the accuracy of the material, Connect 4 Financial Services Pty Ltd will not bear responsibility or liability for any action taken by any person, persons or organisation on the purported basis of information contained herein. Without limiting the generality of the foregoing, no person, persons or organisation should invest monies or take action on reliance of the material contained herein but instead should satisfy themselves independently of the appropriateness of such action.

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