Part B – Investor Guide for Personal Investor Kids Accounts
Dated 18 March 2024
Vanguard Personal
Investor Guide
Contents
Features of a Vanguard Personal Investor Kids Account 3
Operating the Personal Investor Kids Account 5
Information on your investment options 6
Investing with a Personal Investor Kids Account 7
Investing in managed funds 10
Investing through Vanguard Personal Investor 12
Risk of investing 12
Fees and other costs 12
Information on Tax 12
When can your Personal Investor Kids Account be closed 13
Other important information 14
Vanguard Personal Investor Guide Part B – Investor Guide for Personal Investor Kids Accounts | As at 18 March 2024
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A Vanguard Personal Investor Kids Account allows you
to invest on behalf a child under 18 years of age.
Features of a Vanguard Personal
Investor Kids Account
How to open a Personal Investor
Kids Account
To open a Personal Investor Kids Account:
• you will need to have an existing Vanguard
Personal Investor Account;
• have access to Vanguard Online or the
mobile app; and
• the child will need to be under 18 years of age.
If you currently don’t have a Vanguard Personal
Investor Account, please refer to the Vanguard
Personal Investor – Investor Guide for more
information.
To make an informed investment decision, it is
important you read the:
• Vanguard Personal Investor – Investor Guide,
which includes the Terms and Conditions, and
• Vanguard Personal Investor Guide Part B
– Investor Guide for Personal Investor Kids
Accounts (this Guide).
You should also read the relevant Product
Disclosure Statement (PDS), Target Market
Determination (TMD) and other disclosure
documents relating to the investment you
wish to purchase through Vanguard Personal
Investor, and consider seeking advice from a
licensed inancial adviser, before making any
investment decision. The TMDs for Vanguard’s
inancial products include a description of who
the inancial product is appropriate for. These
documents are available free of charge on our
website at vanguard.com.au/personal or by
calling 1300 655 101.
Please note:
• To open a Personal Investor Kids Account, you’ll
need to have an existing Vanguard Personal
Investor Account and have access to Vanguard
Online. An existing Vanguard Personal Investor
Account includes Individual, Joint, Trust, SMSF
and Company account type.
• The Personal Investor Kids Account is a
separate account to your existing Vanguard
Personal Investor Account. If you have
an existing Account and decide to open a
Personal Investor Kids Account, the Account
will be opened in your name based on your
individual details and credentials (not in the
name of any other individuals on your existing
Joint, Trust, SMSF or Company account).
A Personal Investor Kids Account is an
investment account opened and operated by
an individual adult for a child (under 18). The
Account is operated by and in the name of the
individual adult with a designation referring
to the child (e.g. John Smith A/C Jake Smith).
This is a common way to designate this type
of account type, and within the market for
these types of products, there are references
to the adult acting “as trustee for” the child
“as beneiciary” (although these terms do not
necessarily mean there is a legal or formal trust
relationship in place).
The child will not have authority to operate
the Account and unless required by law, we will
not act on the instructions of the child (or their
legal representative).
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Once you have a Vanguard Personal Investor
Account, to open a Personal Investor
Kids Account:
1. Log in to Vanguard Online or the mobile
app and follow the prompts on the
dashboard;
2. Select one of the investment options;
3. Set up an Auto Invest plan; and
4. Provide your child’s details such as name,
date of birth, residential address and
conirm the source of funds.
Only one child can be listed on an Account, but
you may open multiple Personal Investor Kids
Accounts.
How your Personal Investor Kids
Account works
Managing your Account details
Once a Personal Investor Kids Account is
opened for your child, you will be able to
manage the Account within your existing
Vanguard Online login. For information on how
to manage your Account details, please see the
Vanguard Personal Investor – Investor Guide.
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Operating the Personal Investor
Kids Account
Authorities on your Account
You (as the adult) are fully responsible for
the operation of the Account (for example,
transactions and other activities such as
updating your contact information). The child
will not have authority to operate the Account
and unless required by law, we will not act
on the instructions of the child (or their legal
representative).
Authorised representative
As an accountholder, we may permit you to
appoint another person with the required legal
capacity to act as an authorised representative
to operate the Personal Investor Kids Account.
The nominated authorised representative
must have an existing Vanguard Personal
Investor Account, and once nominated
they can operate and transact on the
Account, except for updating your personal
and contact details such as changing your
Vanguard Online password, mobile number
and address. In addition, they cannot appoint
another authorised representative to operate
the Account.
To nominate an authorised representative,
please contact us. Terms and conditions apply.
Security on your Account
To maintain the security and integrity of the
Account, we will ask you to authenticate
yourself for certain transactions and updates
to your Account. In these circumstances, we will
send an SMS code to your mobile number for
authentication.
In certain scenarios such as suspected fraud
or where we see unusual account activity, we
might restrict or freeze access to your Account.
This includes suspending or restricting any
transactions to the Account. If your access is
restricted, please contact us by phone as you
will not be able to view or access your Account
details online.
The Vanguard Cash Account
associated with your Personal Investor
Kids Account
When you open a Personal Investor Kids
Account, a Vanguard Cash Account that is
associated with your Personal Investor Kids
Account is automatically created for your
Account. This Cash Account operates as the
centralised hub for making your investments
and receiving investment income. All monies
deposited in your Vanguard Cash Account
(including income received from your
investment) will be automatically invested in
your selected managed fund or in the case
of withdrawals from your selected managed
fund, automatically deposited in your linked
Australian bank account.
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Information on your investment
options
Investment Selection Policy
Investment options are periodically assessed
by Vanguard’s Product Governance Committee
to ensure all investment options meet the
requirements of our Investment Selection
Policy. This policy sets out the requirements
that determine whether an investment option
should be added, removed or restricted. There
are policies in place to manage any conlict
of interest that may arise when adding or
removing investments available through
Vanguard Personal Investor, including funds
and ETFs for which Vanguard is also the
responsible entity.
The Personal Investor Kids Account offers
access to invest in one of the following
four diversiied (multi-sector) Vanguard
managed funds:
APIR VANGUARD MANAGED FUNDS
VAN0111AU Vanguard High Growth Index Fund
VAN0110AU Vanguard Growth Index Fund
VAN0108AU Vanguard Balanced Index Fund
VAN0109AU Vanguard Conservative Index Fund
The arrangements between Vanguard as
the responsible entity for these funds and
Vanguard as operator of Vanguard Personal
Investor are on arm’s length terms. Generally,
if you hold an investment that is subsequently
removed from the Investment Menu, you may
be able to continue to hold that investment
in Vanguard Personal Investor until such time
as we advise the investment is required to be
liquidated or transferred. However, you will not
be able to purchase additional units in that
investment if it is no longer available on the
Investment Menu.
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Investing with a Personal Investor
Kids Account
There are two ways in which you can invest in
a managed fund (referred to as buying units)
with a Personal Investor Kids Account:
1. Auto Invest: set-up regular automated
contributions to your selected managed
fund via direct debit from your linked
Australian bank account; and
2. One-off investment contribution: make
a one-off investment in your selected
managed fund.
Auto Invest
During the Personal Investor Kids Account
opening process, you will need to set-up
an Auto Invest plan to regularly invest (via
direct debit from your linked Australian bank
account) into one of the managed fund
investment options.
Setting up an Auto Invest plan
To set-up an Auto Invest plan, you need to:
• select the amount you want to invest
(minimum of $25 per cycle for a Personal
Investor Kids Account)
• select the frequency of the direct debit
investment (which can be fortnightly,
monthly, or quarterly)
• choose the start date of your direct debit.
You can set-up Auto Invest for a speciic
period or until cancelled by you.
Additional information on Auto Invest
• Auto Invest managed fund buy transactions
will typically be executed 4 business days
after your scheduled regular investment date
(which is generally the time it takes for direct
debit funds to be cleared by your bank).
• The Product Disclosure Statement (PDS) for
each managed fund is available to you as
part of the Auto Invest set-up process. Please
take the time to review and understand the
investment option you select.
• With Auto Invest, a regular investment
acquisition of a managed fund may occur
without you having been given the current
investment option PDS. You should also
regularly check our website for any updated
information on the managed fund you
have selected in your Auto Invest so you
have the latest information about your
investment option.
• You need to ensure you have enough funds in
your linked Australian bank account for each
regular direct debit investment. If you don’t
have enough funds in your linked Australian
bank account at the time of the direct debit,
the transaction may be dishonoured by
your bank and the Auto Invest plan will be
paused. Your bank may also charge you a
dishonour fee.
• You can modify or pause your Auto Invest
plan at any time. If you modify or pause your
Auto Invest plan on the date of your next
direct debit, the direct debit will typically still
proceed and then your Auto Invest plan will
be changed or paused thereafter.
• If you have Auto Invest set-up for an
investment that is subsequently removed
from the Investment Menu, we will contact
you to let you know of your options. If
you don’t take any action, this allocated
contribution may be retained in your
Vanguard Cash Account or we may deposit it
into your linked Australian bank account.
• For more information on Auto Invest,
please refer to the Terms and Conditions
section in the Vanguard Personal Investor –
Investor Guide.
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One-off investment contribution
To make a one-off investment contribution into your selected managed fund, you will need to
transfer money into the Vanguard Cash Account associated with the Personal Investor Kids Account.
Once the money has cleared, it will automatically be invested into your selected managed fund
provided it meets the minimum $1 additional investment amount.
Ways to make a one-off investment contribution into your Personal Investor Kids Account:
HOW TO MAKE ONE-OFF CONTRIBUTION
MINIMUM DEPOSIT
AMOUNT
MINIMUM INVESTMENT
CONTRIBUTION AMOUNT SETTLEMENT TIMEFRAMES
Electronic Funds Transfer (direct credit)
Electronic funds transfer transactions can
be made from your external bank account
using your Vanguard Cash Account’s BSB
and Account Number. These are initiated
at your bank.
No minimum $1 Generally, within same day
and up to 2 business days,
subject to the processing
times of your financial
institution.
BPAY®
BPAY transfers can be made from your external
banking account using a BPAY Biller Code and
your Customer Reference Number (CRN) for
your Vanguard Cash Account.
A minimum
transaction amount
of $10 applies to all
BPAY transactions.
$1 Generally, within same day
and up to 2 business days,
subject to the processing
times of your financial
institution.
Direct debit
Initiated from Vanguard Online, you can
authorise us to direct debit from your linked
Australian bank account. Debiting from
an account not in your name and without
sufficient authority is strictly prohibited.
No minimum $1 Money transferred via
direct debit can take up to 5
business days to settle.
Your Vanguard Cash Account
associated with your Personal Investor
Kids Account
• The Vanguard Cash Account associated with
your Personal Investor Kids Account must
be linked to an Australian bank account held
in your name or you must have authority to
operate that linked bank account. You cannot
link your Personal Investor Kids Account to a
third party’s bank account or an international
bank account. Your linked bank account
must be held with an Australian authorised
deposit-taking institution (which may include
inancial institutions other than banks, such
as a building society or credit union). You
must keep an Australian bank account linked
at all times.
• You can generally update your linked
Australian bank account details through
Vanguard Online. For security reasons, if you
update your linked Australian bank account
we may delay the payment of withdrawals
to this new bank account until we are able to
verify the details. We will continue to process
other transactions and instructions normally.
In certain circumstances, we may also
request additional documentation to verify
the details of your new linked bank account.
• The money in the Vanguard Cash Account
associated with your Personal Investor
Kids Account is held on deposit with our
authorised deposit-taking institution. For
more information on the Vanguard Cash
Account, please refer to the Vanguard
Personal Investor – Investor Guide.
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Conditions/limitations on the Vanguard
Cash Account associated with your
Personal Investor Kids Account
• Payments will only be accepted in Australian
dollars (AUD) from an Australian bank
account. Vanguard may, at its discretion
accept other forms of payment which may be
subject to different payment minimums.
• Your Vanguard Cash Account cannot be used
to make BPAY payments or direct credit
payments to other institutions or retailers.
• In general, we do not allow your balance in
the Vanguard Cash Account associated with
your Personal Investor Kids Account to fall
below zero. However, if this occurs and your
balance remains below zero, we may redeem
or sell units in your selected managed fund to
cover any outstanding liabilities.
• In limited circumstances, we may be required
to pay amounts to an account other than the
Vanguard Cash Account associated with your
Personal Investor Kids Account - for example
as directed by a court order, regulatory body
or authority, liquidator, or administrator.
• With a Personal Investor Kids Account, the
Vanguard Cash Account only operates as a
transaction hub and any cash received will
be either automatically invested (provided it
meets the minimum $1 additional investment
amount) or in the case of withdrawals from
your investment, automatically deposited
in your linked Australian bank account.
Accordingly, no live cash balance will be
viewable through Vanguard Online – however,
you will be able to view transaction details
for the Vanguard Cash Account via your
statements or in the transaction history in
Vanguard Online.
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Investing in managed funds
Buying units in managed funds
• All funds settled into the Vanguard Cash
Account associated with your Personal
Investor Kids Account, including under your
Auto Invest plan, will automatically be
invested into your selected managed fund,
provided it meets the minimum $1 additional
investment amount.
• Currently, all settled amounts received
before 1:00pm (AET) on a business day will
be processed that day and amounts settled
after 1:00pm (AET) or on a non- business
day will be processed the next business
day. We may alter this cut off time in the
future and inform you of the change via
Vanguard Online.
• There is no ongoing minimum holding that
must be maintained for your investment.
• Instructions to buy units in managed funds
are subject to the terms and conditions of the
relevant fund. Please take the time to review
the fund PDS available on our website to
understand the investment option you select.
• We do not accept any responsibility for any
movement in prices that occur during any
delay in processing a purchase or withdrawal
request for units in a managed fund.
• At Vanguard’s discretion, we may reject or
cancel your instruction to purchase or sell units
in managed funds. We will notify you promptly
if this occurs and let you know the reason.
• There may also be reasons relating to
security or inancial crime, anti-bribery
and anti-corruption, terrorism inancing
and sanction risks that may cause a delay,
rejection, or cancellation of your instruction
to buy or sell units in managed funds.
Selling units in managed funds
• Currently, all trades received before
1:00pm (AET) on a business day will be
processed that day and trades made
after 1:00pm (AET) or on a non-business
day will be processed the next business
day. We may alter this cut off time in the
future and inform you of the change via
Vanguard Online.
• Sales of units in managed funds can be
for either:
— a nominated dollar amount (to the
nearest whole dollar);
— a nominated number of units for partial
withdrawals (this option is not currently
available via the mobile app); or
— the full amount of your managed
fund holding.
• Proceeds from the sale of units in managed
funds will be paid to the Vanguard
Cash Account associated with your
Personal Investor Kids Account, and then
automatically transferred to your linked
Australian bank account. The timeframe
for payment will depend on the fund that
issued the units you are selling and the
processing timeframe of your inancial
institution. Please refer to the relevant fund
PDS or disclosure document for withdrawal
timeframes. Sell trades may be delayed
where the fund is closed or otherwise
unavailable for investment.
• Instructions to sell managed funds are
subject to the terms and conditions of the
relevant fund. We will make the PDS for each
fund available to you as part of the purchase
process. Please take the time to review
and understand the investment options
you select.
• We do not accept any responsibility for any
movement in prices that occur during any
delay in processing a purchase or withdrawal
request for units in a managed fund.
• Where we consider that it is reasonably
necessary in order to manage a material risk
we may reject or cancel your instructions in
relation to your investments. We will notify
you as soon as practicable if this occurs and
let you know the reason.
• There may also be reasons relating to
security or inancial crime, anti-bribery
and anti-corruption, terrorism inancing
and sanction risks that may cause a delay,
rejection, or cancellation of your instruction
to buy or sell managed funds.
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Transferring managed fund holdings
As at the date of this Guide, transfers of
investments into your Personal Investor Kids
Account cannot be facilitated. If you wish to
transfer your Personal Investor Kids Account
holdings onto another platform, please
contact us.
Transferring managed fund holdings
when your child turns 18
When your child turns 18 years of age, they
are able to open a Vanguard Personal Investor
Account under their own name subject to the
eligibility criteria. Once they have a Vanguard
Personal Investor Account, you can instruct us
to transfer holdings from the relevant Personal
Investor Kids Account to them by contacting
us. You should be aware that there may be
tax implications – please refer to Information
on Tax below.
Distributions from managed funds
• Distributions from your selected managed
fund will automatically be reinvested into
further units of the same fund. Distribution
reinvestment is subject to the terms and
conditions outlined in the PDS of the
relevant fund.
• If you do not provide us with your Tax
File Number (TFN), Australian Business
Number (ABN) or reason for exemption,
or if you are not an Australian resident for
tax purposes, distribution reinvestment
will not be available. Instead, distributions
will be paid to the Vanguard Cash Account
associated with your Personal Investor Kids
Account less any applicable withholding
tax. Once the cash distribution has settled
into the Vanguard Cash Account , the cash
will generally be reinvested back into the
fund within 1-2 business days. The unit price
at which distributions are reinvested may
differ from the price that would apply if
you participated directly in the distribution
reinvestment plan (DRP).
• Investment option PDSs may be updated
from time to time. We recommend that
before each distribution date, you check
whether there are any updates to the PDS
and read the latest information on the
investment option you have selected.
Cancelling managed fund
transaction orders
You can cancel a pending managed fund sell
order through Vanguard Online or via the
mobile app before the cut off time of 1:00pm
(AET) on the day the order was placed. If the
order was placed after the cut off time or on
a non-business day, the cancellation request
must be made before 1:00pm (AET) the next
business day. We may alter this cut off time
in the future and inform you of the change via
Vanguard Online.
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Investing through Vanguard
Personal Investor
Investing through Vanguard Personal Investor is different to investing directly. You, as the investor
should understand how your rights differ under the different structures. For information on the
differences, please see the Vanguard Personal Investor – Investor Guide.
Risks of investing
All investments carry some level of risk. It is important to understand the potential risks associated
with investing and to assess these risks against your investment goals and appetite for risk.
Investment risk will vary depending on the type and nature of the investment. You should undertake
your own assessment of the risks of each option before making an investment choice. Please see
the Vanguard Personal Investor – Investor Guide for information on the risks of investing through
Vanguard Personal Investor.
Fees and other costs
Please see the Vanguard Personal Investor – Investor Guide for information on the fees and other
costs that you may be charged.
Information on Tax
Please see the Vanguard Personal Investor – Investor Guide for information about tax matters
relating to your investments. The tax information is provided for general information only and is not
intended to provide an exhaustive or deinitive statement as to all the possible tax outcomes for
investors. Vanguard does not provide tax advice.
As each investor’s circumstances are different and the tax rules which apply to minors are complex,
we highly recommend you seek professional taxation advice from a tax adviser appropriate to
your circumstances prior to joining Vanguard Personal Investor and opening a Personal Investor
Kids Account.
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When can your Personal Investor
Kids Account be closed
Your Personal Investor Kids Account may be
closed in any of the following circumstances
(among other circumstances):
• If you request the closure of your Account.
• If you have overdue account fees and no
other assets in your Account that could be
sold to cover the fees.
• If you are in breach of the IDPS Contract.
• If you have provided false or misleading
information on your Account.
• We are required to close your Account to
meet our regulatory obligations.
• We suspect there is a breach of AML/CTF
obligations or other relevant sections of the
IDPS Guide.
Please refer to the Terms and Conditions in
Vanguard Personal Investor – Investor Guide for
more information on account closures.
How you can close your Account
• You can close your Personal Investor Kids
Account by sending us a secure message
through Vanguard Online or by contacting
us by phone.
• You will need to sell or transfer your assets
out of your Personal Investor Kids Account.
Any outstanding interest amounts or other
investment income payable to you must be
received and settled before we can close your
Account. We can also arrange for your assets
to be transferred to a new IDPS, provided the
IDPS accepts them.
• The remaining balance of the Vanguard
Cash Account associated with your Personal
Investor Kids Account will then be transferred
to your linked Australian bank account and
the closure of your Personal Investor Kids
Account will be inalised.
• Alternatively, if you are withdrawing for
short term needs, you can simply withdraw
your funds and choose to keep your Personal
Investor Kids Account open with a zero
balance. You will not incur any fees for a zero
balance account.
• We will not charge a fee to close your
Account, however you will be liable for any
outstanding fees, charges or taxes payable
in respect to the investments you held in your
Personal Investor Kids Account.
• Please note, there may be delays in closing
your Account if your assets cannot be
sold, for example due to restrictions on
withdrawals from a managed fund or where
we are required by law. We will normally
transfer your assets in accordance with
your instructions, provided the receiving
asset register will accept the transferee as
owner of the asset. For example, for some
managed funds, all asset owners must
qualify as a ‘wholesale client’ (as deined in
the Corporations Act) and for these funds,
if you are not a wholesale client, the asset
would have to be transferred to another
IDPS rather than directly to you or sold.
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Other important information
How we communicate with you
For information on how we will keep you
informed and communicate with you,
please see the Vanguard Personal Investor –
Investor Guide.
Marketing and promotional materials
From time to time, Vanguard and Vanguard
related companies may send you information
about products and services for marketing
purposes. If you do not wish to receive
marketing and promotional materials, you can
unsubscribe through Vanguard Online.
When we may not act on your
instructions
We will generally act on your instructions
to transact on your Personal Investor Kids
Account, except for certain circumstances.
Please refer to the Terms and Conditions
outlined in the Vanguard Personal Investor –
Investor Guide for further details.
Service interruptions
In general, we seek to ensure our online
services are available 24 hours a day, 7 days a
week, however they may be unavailable from
time to time. In the event Vanguard Online is
not available, you can contact the Vanguard
Personal Investor team on 1300 655 101 from
8am to 6pm (AET) Monday to Friday. If our
online services are not available, Vanguard will
not be liable for any loss incurred if you were
not able to transact on your Account.
Voting Policy
The Vanguard Personal Investor – Voting Policy
is available free of charge on our website at
vanguard.com.au/personal or on request by
calling us on 1300 655 101.
Vanguard holds your investments in custody
and as you are not the registered holder, you
do not have any voting rights. You do have
certain rights to direct Vanguard to vote on
your behalf in respect of Vanguard managed
funds and Vanguard ETFs, please refer to the
Vanguard Personal Investor – Voting Policy for
further details.
Managing conlicts of interest
Vanguard, as operator of Vanguard Personal
Investor, has in place a comprehensive conlicts
of interest policy. The Vanguard Conlicts of
Interest Policy outlines the measures Vanguard
will take to identify, document and manage any
conlicts of interest.
Protecting your privacy
Vanguard is committed to respecting the
privacy of your personal information. For
information on our obligations under privacy
laws, please see the Vanguard Personal Investor
– Investor Guide for information.
Anti-money laundering, counter
terrorism inancing obligations,
sanctions laws and anti-bribery and
anti-corruption laws
We are bound by laws concerning the
combating of money laundering and the
inancing of terrorism (including the Anti-
Money Laundering and Counter-Terrorism
Financing Act 2006 (Cth)), as well as meeting
sanctions obligations and anti-bribery and
corruption laws, or any other relevant laws.
We are required to carry out procedures that
verify your identity before providing services to
you, and from time to time thereafter. Please
see the Vanguard Personal Investor – Investor
Guide for details.
Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) is the product issuer and the Operator of Vanguard Personal
Investor. The information contained in this Investor Guide is general information only. We have not taken into account yours or your clients’
objectives, financial situation or needs when preparing this information, so it may not be applicable to the particular situation you are
considering. Before acting on any information in this Investor Guide, you should consider the appropriateness, taking into account yours or your
clients’ objectives, financial situation or needs. You should refer to the Target Market Determination (TMD) of Vanguard Personal Investor, and
the relevant Product Disclosure Statement (PDS), TMD and other disclosure documents for the underlying investments before making any
decision about whether to acquire that investment through Vanguard Personal Investor. The TMDs for Vanguard’s financial products include a
description of who the financial product is appropriate for. You can access our disclosure documents free of charge at vanguard.com.au or by
calling 1300 655 101. This Guide was prepared in good faith and we accept no liability for any errors or omissions.
© 2024 Vanguard Australia Investments Ltd. All rights reserved. AUPIFSGB_032024
Contact us
Registered ofice:
Level 13
130 Lonsdale Street
Melbourne VIC 3000
Postal address:
Vanguard Personal Investor
GPO Box 1837
Melbourne VIC 3001
Other:
Online: Vanguard Online
secure message
Phone: 1300 655 101
Website: vanguard.com.au/
personal
