Use Elements if:

• you’d rather live your life than spend all your time making investment decisions (that’s what your adviser is for)
• you’d like your investment choices streamlined to a select, high-quality menu
• you’d like access to options that have already been expertly blended to suit an investor like you
• you prefer easy-to-understand reports about your investments without getting ‘buried’ in paperwork
• you want the flexibility to switch between investments, hassle free at any time
• you’re at a stage in your life where you need a choice of Investment or Super/Pension  Accounts
• you’re going to need the ability to transfer all or part of your benefits from a Super Account to a Pension Account in the future.

There are two types of Elements Accounts:

• Asgard Elements - Investment is an account that you and your financial adviser use for your general (non-super) investments
• Asgard Elements - Super/Pension: the Elements Super Account lets you save for your retirement and the Elements Pension Account provides you with tax-effective income in retirement.