Introduction to BetaShares Diversified ETFs

BETASHARES INVESTOR GUIDE

BetaShares Diversified Conservative Income ETF (ASX: DZZF)BetaShares Diversified Balanced ETF (ASX: DBBF)BetaShares Diversified Growth ETF (ASX: DGGF)BetaShares Diversified High Growth ETF (ASX: DHHF)

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WHAT ARE ETFS?

An ETF, or exchange traded fund, is an open-ended investment fund, like a traditional managed fund, but traded on the ASX like a share. ETFs typically aim to passively track the performance of a given index or asset class or combination thereof.

They combine the benefits of managed funds and shares to offer investors a cost-effective, transparent way to achieve diversification. ETFs are one of the fastest growing investment vehicles in the Australian market.

Building a robust, diversified investment portfolio is challenging, whether you’re just starting your investing journey, or have decades of experience.

Decisions about what to invest in, and the work required to implement those decisions, can be demanding even for investment professionals, let alone for those who are investing for themselves.

Whether you’re an experienced investor looking to simplify your investment approach, or wanting to set up a portfolio for your children or grandchildren, or someone just starting your investment journey and not sure how to begin, there is now an investment solution that provides you with a simple-to-access way to invest in a well-rounded portfolio to suit your investment goals and risk profile.

The BetaShares Diversified ETFs are a series of low-cost, all-in-one, multi-asset class investment solutions that can help to simplify portfolio construction, asset allocation and overall investment management. Like all our funds, BetaShares Diversified ETFs are traded on the Australian Securities Exchange (ASX) and can be bought and sold just like shares.

ABOUT BETASHARES DIVERSIFIED ETFS

One of the fundamentals of intelligent investing is diversification.

Diversification means spreading your investments across a range of asset classes, such as shares or bonds, geographic regions and industry sectors – and within an asset class, spreading your money across multiple individual investments.

Intelligent, low-cost, all-in-one, multi-asset class portfolio solutions for Australian Investors

About BetaShares Diversified ETFs

In a diversified investment portfolio, your investment risk is spread. Different asset classes or investments don’t always perform well at the same time, so in a diversified portfolio, if one portion of the portfolio performs poorly over a certain period, this could be offset by the better performance of another part of your portfolio, so you are less likely to suffer a big loss across your portfolio. In simple terms, diversification is about not putting all your eggs in one basket.

While diversification is important, achieving it can involve considerable time and effort. Constructing a diversified portfolio involves working out how much to allocate to each asset class or geographic region and choosing individual investments within those asset classes or regions. Then you have to actually make the investments, and ensure that your portfolio remains in line with your preferred allocation and risk tolerance over time.

BetaShares Diversified ETFs are constructed using multiple underlying ETFs that provide exposure to a range of asset classes, including shares, property securities, bonds and cash, and across Australian and global markets. With the aim of ensuring that we construct these portfolios in the most cost-effective and appropriate way, we include ETFs issued by BetaShares and other leading ETF managers, traded on the ASX and on global exchanges.

Four BetaShares Diversified ETFs are available, which have been specifically developed for different risk profiles, so you can choose the portfolio to suit your financial circumstances and investment goals.

In order to provide solutions for different investor risk profiles, the funds are built using varying allocations to growth assets (such as international and Australian shares and property security exposures) vs. defensive assets (such as international and Australian bonds and cash). These allocations are reviewed and may be adjusted by BetaShares annually to take into account prevailing economic and market conditions, and portfolios are rebalanced periodically to remain consistent with target allocations and risk profiles.

BetaShares Diversified ETFs are designed to help simplify this process. Instead of having to make multiple investment decisions and take multiple actions,

just a single investment is required.

When you buy a BetaShares Diversified ETF, you are buying diversification. In one trade, you can access a diversified portfolio to align with your risk profile.

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Diversified ETF Series

DIVERSIFIED ETF SERIES

Diversified Conservative Income ETF (ASX: DZZF)

Diversified Balanced ETF (ASX: DBBF)

Diversified High Growth ETF

(ASX: DHHF)

Diversified Growth ETF (ASX: DGGF)

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Risk Profiles

All four BetaShares Diversified ETFs have a management fee of just 0.26% p.a., making them the lowest fee diversified ETFs currently available on the Australian market1. They’re also currently the only diversified ETFs which make use of externally developed products as well as those traded on overseas exchanges.

Conservative Income

Balanced Growth High Growth

Growth/Defensive split25% Growth

75% Defensive50% Growth

50% Defensive70% Growth

30% Defensive90% Growth

10% Defensive

ETF NameDiversified

Conservative Income ETF

Diversified Balanced ETF

Diversified Growth ETF

Diversified High Growth ETF

ASX Code DZZF DBBF DGGF DHHF

May suit investors with a

Low risk tolerance

Medium risk tolerance

Medium to high risk tolerance

High risk tolerance

Growth

Defensive

1 Other costs, such as transactional costs, may apply. Please refer to the Product Disclosure Statement for more information.

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Benefits of BetaShares Diversified ETFs

DIVERSIFICATION

All-in-one investment solutions that provide exposure to a carefully blended portfolio of asset classes, including shares, property securities, bonds and cash, and across Australian and global markets, in a single ASX trade.

LOW-COST

BetaShares Diversified ETFs are the lowest fee diversified ETFs currently available in Australia, with management fees of just 0.26% p.a.

OPEN CONSTRUCTION APPROACH

With the aim of ensuring continued cost-effectiveness and that optimal underlying investment tools are being used to design the portfolios, the BetaShares Diversified ETFs invest in ETFs issued by BetaShares and other leading ETF managers, and include ETFs that trade in Australia, as well as on overseas exchanges.

LEVERAGE INVESTING EXPERTISE

Access the professional research and investment skills of BetaShares, a leading Australian ETF manager. Asset allocation and underlying exposures are reviewed regularly by the BetaShares Investment Committee and are rebalanced or adjusted periodically to ensure they remain consistent with target allocations and risk profiles.

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EXPERIENCED INVESTORS

If you’re an experienced investor, perhaps running your own SMSF, BetaShares Diversified ETFs can help simplify your portfolio construction and asset allocation process, and cut down some of the burden of managing your investments.

For example, you might choose to use a BetaShares Diversified ETF as the core of your portfolio, enabling you to concentrate your energy on other investment opportunities.

BetaShares Diversified ETFs may also be suited to mature investors who are looking to set up a portfolio for their children or grandchildren, or others starting out on their investment journey. Because there is no minimum investment amount required (aside from any minimum your broker may set), you can buy a BetaShares Diversified ETF with a small amount of funds – in contrast with the effort and expense of purchasing the separate elements of a portfolio individually.

INVESTORS STARTING OUT

BetaShares Diversified ETFs may also be suited to people just starting their investment journey.

With the BetaShares Diversified ETFs, the first step becomes simple. With a single trade, you can establish a well-rounded, diversified investment portfolio – without necessarily having to make a large financial commitment from the outset.

You could use a BetaShares Diversified ETF as the core of your portfolio and add to your holding as further funds become available, or alternatively add other ETFs or investments along the way.

The process of investing in a BetaShares Diversified ETF is simple. You can buy units in a BetaShares Diversified ETF in a single trade using an online trading account (a brokerage cost will apply), as you would any share. If you don’t have an account and would prefer to use a financial adviser, they will be able to arrange the investment for you.

How can Betashares Diversified ETFs be used?

BetaShares Diversified ETFs can be used by a range of investors, including experienced investors or investors just starting on their investing journey.

There are risks associated with investments in the BetaShares Funds, including asset allocation risk, market risk, currency risk, underlying ETFs risk and index tracking risk. For more information on risks and other features of the BetaShares Funds, please see the applicable Product Disclosure Statement, available at www.betashares.com.au.

LEARN MOREVisit www.betashares.com.au for more information

about accessing BetaShares Diversified ETFs.

www.betashares.com.au

About BetaShares

BetaShares is a leading manager of exchange traded funds (ETFs) and other funds traded on the ASX.

Since the launch of our first ETF in 2010, BetaShares now offers the broadest range of exchange traded products in Australia, appealing to a wide range of investors and financial advisers - from institutional investors to individuals, including those maintaining self-managed superannuation funds.

BetaShares – Intelligent investment solutions.

Important Information

BetaShares Capital Limited (ABN 78 139 566 868 AFSL 341181) (“BetaShares”) is the issuer of the BetaShares Diversified ETFs and has prepared this information. This is general information only and does not constitute personal financial advice. We have not taken the individual circumstances, financial objectives or needs of any investor into account when preparing this information. Investors should consider their circumstances and the relevant Product Disclosure Statement, available at www.betashares.com.au, and obtain professional financial and tax advice before making any investment decision.

This information is not a recommendation or offer to make any investment or to adopt any particular investment strategy. BetaShares Diversified ETFs are subject to investment risk. investment value may go down as well as up and investors may not get back the full amount originally invested.