Apex Wealth Management — Product Guide¶

Effective Date: April 1, 2026
Product Issuer: Apex Wealth Advisers Pty Ltd (AFSL 412345), a subsidiary of Apex Bank Ltd

Apex Bank Wealth is available to clients with $250,000+ in investable assets, or a total banking relationship of $750,000+. Every Wealth client is assigned a dedicated Private Banker and receives quarterly Investment Committee guidance.

Who It's For¶

Pre-retirees (5–10 years from retirement) rebalancing toward capital preservation
Retirees drawing account-based pensions
SMSF trustees with corporate trustee structures
High-net-worth individuals and families seeking consolidated advice

Self-Managed Super Fund (SMSF) Services¶

Apex is an SMSF-aware lender and deposit taker.

SMSF Cash and Term Deposits¶

Cash management accounts: +0.50% p.a. over retail
Term deposits from 1 month to 5 years
SMSF-specific BPAY and EFT limits

Limited Recourse Borrowing Arrangements (LRBA)¶

Asset Class	Variable	3-Year Fixed	Max LVR
Residential property	7.15% p.a.	7.35% p.a.	70%
Commercial property	7.65% p.a.	7.85% p.a.	65%

Requirements: compliant trust deed, corporate trustee (strongly recommended), signed SMSF lending compliance acknowledgement. Establishment fee $1,200 including legal review.

Managed Portfolios¶

Apex Growth Portfolio¶

Multi-asset fund managed by Apex Wealth Advisers.

Asset Class	Target
Australian equities	35%
International equities	30%
Australian fixed income	15%
International fixed income	10%
REITs	5%
Cash & alternatives	5%

Historical performance (net of fees, to 31 March 2026):
- 1 year: 8.4%
- 3 year p.a.: 7.1%
- 5 year p.a.: 8.2%
- 10 year p.a.: 7.8%

Management fee 0.68% p.a. No entry/exit fees. Minimum $10,000.

Apex Income Portfolio¶

Conservative, income-focused allocation.

Fixed income 70% / equities (high dividend) 20% / cash 10%
1 year return: 5.2%
Management fee 0.55% p.a.
Quarterly distributions

Wholesale Term Deposits¶

Wealth clients receive +0.20% p.a. over retail on balances above $100,000.

Term	Rate (p.a.)
3 months	4.75%
6 months	5.05%
12 months	5.25%
24 months	4.95%
36 months	4.75%
60 months	4.55%

Consider term deposit laddering — staggering 5 rungs across quarterly maturities for stable income.

Retirement Planning¶

Provided under Statement of Advice (SoA) by Apex Wealth Advisers. Scope includes:

Age Pension eligibility modelling
Transition to Retirement (TTR) strategies
Account-based pension establishment
Centrelink assets and income test projections
Aged care fee planning
Estate planning introductions (Sterling Legal partner firm)

Initial consultation: $550, refundable if you proceed with a SoA.

Pre-Retiree Capital Preservation Framework¶

A recommended 5–10 year glide path:

De-risk equities progressively (≈3% per year from age 55)
Build 2–3 years of living expenses in term deposits and cash
Maintain offset buffer on any remaining mortgage debt
Review SMSF investment strategy annually with your accountant
Maximise concessional contributions up to the $27,500 cap

Estate Planning¶

Through our partnership with Sterling Legal:

Wills from $650
Enduring Powers of Attorney
Testamentary trusts
Complimentary 30-minute consultation for Wealth clients

What Wealth Clients Receive¶

Consolidated quarterly portfolio reports
Annual tax summaries
No-fee international transfers up to $50,000/year
Access to the Apex Investment Committee quarterly briefing
Invitations to the annual Apex Wealth Forum

Fees Summary¶

Service	Fee
Growth Portfolio	0.68% p.a.
Income Portfolio	0.55% p.a.
SoA (standard)	$2,200
SMSF LRBA establishment	$1,200
Estate planning consult	Complimentary

Please request the relevant Product Disclosure Statement and Financial Services Guide before making an investment decision.

Apex Wealth Management — Product Guide