Frequently asked Questions

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What types of managed funds does Lincoln offer?

Australian Income Fund

The Lincoln Australian Income Fund offers a medium to a long-term income stream with a sustainable dividend yield that may include long-term capital growth. It may be suitable for investors seeking an income stream, retirees in the preservation phase and investors with SMSFs.

Read more about our Income fund

Australian Growth Fund

Our Lincoln Australian Growth Fund is an actively managed portfolio of high-quality growth-orientated ASX stocks. It may suit investors who are looking for strong capital appreciation over a period of five to ten years or more and investors with SMSFs.

Read more about our Growth fund

U.S. Growth Funds

The Lincoln U.S. Growth Funds are an actively managed, diversified portfolio of U.S. growth stocks. They have been created to help Australian investors spread portfolio risk by diversifying their growth stock holdings outside the Australian market. Two funds are open for investors – The Lincoln U.S. Growth Fund Hedged and Lincoln U.S. Growth Fund Unhedged. It may suit investors who are looking for strong capital appreciation over a period of five to ten years or more, international diversification and investors with SMSFs.

Read more about our U.S. Growth Funds

 

Disclaimer:

The information provided above did not consider the investment objectives, financial situation or particular needs of any particular person. It is not intended to take the place of professional advice, and you should not take action on specific issues in reliance on this information. You should obtain a copy of our Financial Services Guide and the Product Disclosure Statements before deciding whether to invest in these products.

The Fund’s Target Market Determination is available here. A Target Market Determination document must be made available from 5 October 2021. It describes who this financial product is likely to be appropriate for (i.e. the target market) and any conditions around how the product can be distributed to investors. It also describes the events or circumstances where the Target Market Determination for this financial product may need to be reviewed.

What are the Lincoln retail and wholesale managed funds?

Lincoln has two retail and wholesale managed funds, the Australian Income and Growth Fund. The retail funds are available to all retail investors, and the minimum investment is $5,000. The wholesale funds are only available to wholesale investors, as defined under section 761G of the Corporations Act 2001 (Cth), with a minimum investment of $250,000. The U.S. Growth Fund has two options, hedged and unhedged. They are available to retail and wholesale investors with a minimum investment of $5,000.

There is five eligibility test under which clients may be treated as a wholesale investor, summarised below:

  • Investing over $500,000 upfront;
  • Individual Wealth – Net assets of $2.5 million or gross annual income of over $250,000 shown over two financial and certified by an account;
  • Professional Investor – institutional investors with specific attributes;
  • Large Business – more than 20 employees or more than 100 employees if the business is or includes manufacturing goods;
  • Sophisticated Investors – persons that an AFSL holder has determined to be experienced in using financial services;

How are the Lincoln Funds structured?

Equity Trustees Limited ABN 46 004 031 298 AFSL 240975 is the Responsible Entity of the Lincoln Indicators managed funds. Equity Trustees has appointed Lincoln Indicators  as the investment manager of the funds –  Lincoln Australian Income Fund, the Lincoln Australian Growth Fund and the Lincoln U.S. Growth Funds.

J.P. Morgan Chase Bank (J.P. Morgan) was appointed as custodian to hold the assets of the Funds and to perform certain administrative functions in relation to the Funds.

 

How do I invest in the Lincoln Managed Funds?

It is simple and easy to invest in our managed funds, but you must carefully consider the Product Disclosure Statement (PDS) and the Reference Guide (RG) before deciding to invest in one of the Lincoln Managed Funds. Once you’ve considered these documents and are ready to invest, you can Apply online or call us on 1300 676 333 to learn more about our office products and services.

Is it safe to invest in Stocks and Managed Investments?

Investing of every kind comes with some degree of risk, some more than others. Stocks and managed funds can fluctuate in the short term, but they can produce higher returns than lower-risk investments over the long term.

With our proprietary quantitative methodology and Stock Doctor as our core research tool, you can feel comfortable knowing that our investment process rigorously analyses stocks in our managed funds allowing you to invest in a portfolio of financially healthy stocks that align with your risk appetite and investment objectives.

Does Lincoln Indicators analyse all companies on the Australian Stock Exchange and the U.S. Stock Exchange markets?

Yes. Our proprietary methodology has been analysing the financial statements of every company on the Australian Stock Exchange since 1996 and, since 2020, the U.S. stock exchange. We analyse the Financial Health of thousands of businesses within 24-48 hours of their reporting so that our members and investors can make confident and informed investment decisions.

Lincoln Australian Growth Fund

What is the Lincoln Australian Growth Fund?

The Lincoln Australian Growth Fund is designed for investors who seek a diversified portfolio of high-quality growth stocks that has capital appreciation over the long-term as its primary goal.

What is the minimum investment?

The minimum investment in the Growth Fund is $250,000 for Wholesale investors and $5,000 for Retail investors.

Am I locked into my investment?

No, the Growth Fund has no minimum investment timeframe and you will not be penalised if you decide to redeem your funds within a short period of time. But we suggest a minimum of 5-years to allow an adequate timeframe for the Fund to deliver on its long-term objectives.

How often are distributions paid?

Distributions are paid twice a year, with the option to reinvest or receive cash directly in to your nominated bank account.

When did the Growth Fund start?

The Wholesale and Retail Growth Funds started in January 2005 and June 2007 respectively.

Are there any up-front or exit fees?

No, our Growth Fund have no up-front or exit fees. This does not take into account buy-sell spreads, which represent the estimated transaction costs incurred when buying or selling underlying assets in relation to investment options. The difference between the investment option buy prices and the sell prices is the total buy-sell spread for that option.

Can I reinvest my distributions?

Yes, you have the option to reinvest your distributions.

How quickly can I set up my investment?

Provided we receive the completed application forms, any required certified documents, clear money received in the bank account in a timely manner and successfully passing the compliance checks (e.g. the Anti-money Laundering and Counter-Terrorism Financing). It may take up to five business days to process.

What is the management fee for the Fund?

The Growth Fund has a management fee of 0.76% per annum for the Wholesale Fund and 1.40% for the Retail Fund.

How is the performance fee calculated?

The performance fee is 20% of the amount by which the Fund’s performance exceeds the All Ordinaries Accumulation Index. A high-water mark ensures investors do not pay fees until periods of underperformance are fully recouped.

Lincoln Australian Income Fund

What is the Lincoln Australian Income Fund?

The Lincoln Australian Income Fund invests in the share market with the aim to deliver an above benchmark yield including franking credits, whilst also providing the opportunity of some capital growth over the medium to long-term. It is designed for those seeking a regular income stream from their investments from a base of high-quality stocks.

What is the minimum investment?

The minimum investment in the Income Fund is $250,000 for Wholesale investors and $5,000 for Retail investors.

Am I locked into my investment?

No, the Income Fund has no minimum investment timeframe and you will not be penalised if you decide to redeem your funds within a short period of time. But we suggest a minimum of 5-years to allow an adequate timeframe for the Fund to deliver on its long-term objectives.

How often are distributions paid?

Distributions are paid quarterly, with the option to reinvest or receive cash directly in to your nominated bank account.

When did the Income Fund start?

The Income Fund was established on 2 April 2012.

Are there any up-front or exit fees?

No, our Income Fund have no up-front or exit fees. This does not take into account buy-sell spreads, which represent the estimated transaction costs incurred when buying or selling underlying assets in relation to investment options. The difference between the investment option buy prices and the sell prices is the total buy-sell spread for that option.

Can I reinvest my distributions?

Yes, you have the option to reinvest your distributions.

How quickly can I set up my investment?

Provided we receive a completed application form with the required identification documentations, cleared monies received in the application bank account and successfully passing the compliance checks (e.g. the Anti-Money Laundering and Counter-Terrorism Financing). It may take up to five business days to process the application request.

What is the ongoing management fee for the Fund?

The Income Fund has an ongoing management fee of 0.95% per annum for the Wholesale Fund and 1.75% for the Retail Fund.

Is there a performance fee?

No, the Income Fund has no performance fee.

What is a buy/sell spread?

The buy and sell spread is the difference between the net asset backed value of the units and the price to which you can purchase or sell those units. Similar to brokerage costs, when you transact in financial assets there are facilitation costs incurred. The buy/sell spread are implemented to recoup facilitation costs, so as not to disadvantage existing unitholders. It is important to note that the buy/sell spread is not a ‘fee’ and the spread itself is retained within the unit trust, it does not benefit the fund manager or any of the other service providers.

The purpose of the buy and sell spread is to ensure that investors entering or leaving a fund bear the costs of the transaction. For example, if you invest $100,000 into a fund, the fund manager will incur transaction costs which include brokerage, bid-ask spreads, settlement and clearing costs. Likewise, if you withdraw from a fund, the manager will incur transaction costs if he/she need to sell assets to provide the cash for withdrawal.

You are likely to pay a buy spread whenever you either make an investment or withdrawal from the fund. However, there are some exceptions. For example, when distributions are reinvested into more units, a buy spread is not usually payable. This is because no money enters or leaves the fund, so no assets are required to be bought or sold.

If you are a long-term holder of a fund, then a buy sell spread will make less difference to your overall returns.

Lincoln U.S. Growth Funds

What is the minimum investment?

The minimum initial investment amount for both the Lincoln U.S. Growth Fund and Lincoln U.S. Growth Fund Hedged is $5,000.

How often are distributions paid?

Distributions are paid annually, with the option to reinvest or receive cash directly in to your nominated bank account.

How is the performance fee calculated?

Lincoln U.S. Growth Fund Hedged: The performance fee is 20% p.a. of outperformance of the S&P 500 Accumulation Index (USD).

Lincoln U.S. Growth Fund Unhedged: The performance fee is 20% p.a. of outperformance of the S&P 500 Accumulation Index converted to Australian Dollars.

Am I locked into my investment?

No, the Lincoln U.S. Growth Fund has no minimum investment timeframe and you will not be penalised if you decide to redeem your funds within a short period of time. But we suggest a minimum of 5 years to allow an adequate timeframe for the Fund to deliver on its long-term objectives.

What are the management fees for the Funds?

The U.S. Funds have a management fee of 1.00% per annum of the Net Asset Value of their respective Funds.

What is the difference between the Hedged and Unhedged Fund?

If you invest in the Unhedged fund, you are exposed to fluctuations in the Australian dollar. This can be a good thing if our dollar falls relative to the US dollar. For example, if you were invested in the Lincoln U.S. Growth Fund Unhedged and the value of the Australian dollar decreased relative to the US dollar, then the value of your portfolio would increase. Of course it can also work the other way around.

If you invest in the Hedged fund, we use strategies to offset the impact of currency fluctuations. This means if you invest in the Lincoln U.S. Growth Fund Hedged you are protected from the adverse impact of a rising Australian dollar. But equally, you don’t get to benefit from situations where the Australian dollar is falling.

If you have a strong view on where the Australian dollar is heading, you could favour one approach over the other.

Does Lincoln Indicators analyse all companies on the Australian Stock Exchange and the U.S. Stock Exchange markets?

Yes. Our proprietary methodology has been analysing the financial statements of every company on the Australian Stock Exchange since 1996 and, since 2020, the U.S. stock exchange. We analyse the Financial Health of thousands of businesses within 24-48 hours of their reporting so that our members and investors can make confident and informed investment decisions.

Masterclass

Registration

Why are you only running a Masterclass in Sydney and Melbourne?
We have chosen Sydney and Melbourne for our Masterclass events to bring the best possible experience to the largest cohort of our members. These cities are not only home to many of you but also allow us to create more impactful and engaging events.

We are excited to welcome members from all over and understand that traveling can be a consideration. To support your participation, we are offering special accommodation rates (Hilton Hotel Sydney and Sheraton Hotel Melbourne) for those coming from other states. It is our way of making sure that everyone who wishes to attend can do so with ease.

Will you be running Masterclass in the other States?
At the moment, there are no immediate plans to host Masterclass events in the other capital cities. Expansion to additional locations will be considered based on the level of interest expressed by our members in those areas.

How do I register?
You can purchase ticket online via Eventbright. Click here to book Melbourne, and here to book Sydney.

What is included in my registration?
The masterclass ticket includes entry, name badge, personal Masterclass booklet, notepads, pens, gourmet lunch where there will be a selection of entree, mains and salads to select from along with morning and afternoon refreshments.

My partner and I share a Stock Doctor membership? Do we buy one ticket or two?
You need to purchase a ticket for each attendee.

Can I bring a friend to the Masterclass?
We hope you do. For friends or family referrals please send their details to enquiries@lincolnindicators.com.au or call your customer support representative on 1300 676 333 so we can assist them in registering for Masterclass 2024.

Friends or family who attend Masterclass will receive a 50% discount on their Stock Doctor membership.

Is there parking at the venue?
Parking is available onsite. Discounted valet parking is available onsite in Melbourne but is subject to availability. Valet parking is available in Sydney.

Masterclass

What is the duration of the event?
The program will run from 9am to 5pm with a one hour lunch session starting at 12:30pm.

Do I need to bring my own Laptop or Tablet?
Yes, you will need to bring your Laptop or Tablet to access Stock Doctor during Masterclass.

We will be unable to provide laptops or tablets so it is advisable that you come well prepared. It is recommended that you check your computer to ensure it is fully operational before you attend. We will provide internet access, power points, pens, and pads to ensure you have everything you need for a productive day.

Do I need a ticket to access the events?
Yes. You will need to purchase ticket online via Eventbright. Click here to book Melbourne, and here to book Sydney. You will receive an email confirmation after you have registered with your ticket. We recommend you print or download the ticket and bring it with you to the event.

Where do I register when I arrive at the event?
There will be a registration desk at the venue. It will be open from 8am.

How do I gain entry into the Masterclass?
Attendees will be provided with an individual name badge, which will give you access to the session and events you have registered to attend. This must be worn at all times within the venue.

Will there be Wi-Fi?
Attendees have access to complimentary Wi-Fi for the duration of the event. Staff at the registration desk can provide the password.

Catering

Will food be provided?
The Masterclass will offer refreshments on arrival, morning and afternoon tea and a gourmet lunch where there will be a selection of entree, mains and salads to select from.

I have special dietary requirements – what do I do?
You must advise us on 1300 676 333 of any special dietary requirements when you register for the event. Caterers at each function will be advised of this information. There will be a buffet table at the venue providing catering for members with special dietary requirements. If you are unsure, please don’t hesitate to ask the staff at the registration desk.

IMPORTANT – If your dietary requirement relates to a life-threatening allergy, please ensure you advise the event managers when you register AND when you arrive on the day.

Accessibilty

Are all venues fully accessible for disabled members?
Yes, all venues are fully accessible for disabled members.

If you have any concerns regarding any accessibility requirements, please contact us on 1300 676 333.

Cancellation

I need to cancel my registration, what do I do?
Cancellations must be received in writing. Please send an email to enquiries@lincolnindicators.com.au.

Cancellations will not be deemed to be received until you have received written acknowledgement from us.

If you have not received acknowledgement within two business days, please contact us on 1300 676 333.

Cancellations received on or before, ten (10) business days from the event, will receive a 50% refund of the registration price.

No refunds will be given for cancellations received after ten (10) business days from the event. Substitutions may be accepted.

Insurance

Registration fees do not include insurance of any kind.

It is recommended that participants take out their own general travel insurance. It is suggested that the insurance policy should also cover loss of fees/deposit, airfares, accommodation charges, medical expenses, loss or damage to personal property and repatriation expenses.

The insurance should cover loss arising from the cancellation of the event by the organisers or a person’s inability to attend due to any reason whatsoever.

No responsibility is taken by the event managers for any person not holding insurance.

Contact

For all registration enquiries, please call or email.

P: 1300 676 333
E: enquiries@lincolnindicators.com.au

Accommodation

Do have special accommodation rates for Masterclass attendees from other states?

We are excited to welcome members traveling from other states.

To support your participation, we are offering special accommodation rates (at the Sheraton and the Hilton Hotels) for those coming from other states.

It is our way of making sure that everyone who wishes to attend can do so with ease.

Hilton Sydney

10% off Hilton’s best available flexible rate.
Book now online or call 1300 445 866 and provide the code G10DYN.
Subject to availability.

Sheraton Melbourne

$250 per room per night inclusive of breakfast for one.
Book now online before 22nd March, subject to availability.

Please contact hotels for full terms and conditions.

Stock Doctor

What is Stock Doctor?

Stock Doctor is an all-encompassing share market membership. Through its online platform it delivers all the portfolio management, construction and optimisation tools to allow you to manage your investments like a true professional. Further, our education and unrivalled member support services ensures you are best placed to maximise your investing.

Do Lincoln Indicators cover every company on the Australia Stock Exchange (ASX)?

Yes. Our proprietary quantitative methodology has been analysing the financial statements of every company on the Australian Stock Exchange since 1996. We analyse the Financial Health of thousands of businesses within 24-48 hours of their reporting so that our members and investors can make confident and informed investment decisions. Our analysts then apply a final set of qualitative overlays to complete the assessment before making a company either a Star Growth or Income Stock. Comprehensive analysis and regular updates are provided on these companies via the Stock Doctor platform.

Can I use Stock Doctor to help me construct and manage a share portfolio?

Absolutely. Stock Doctor includes a Portfolio Director feature that includes:

Portfolio Manager
Keeping you in total control with tax-aware, advanced performance reporting.

Portfolio Constructor
A tool which allows you to construct a portfolio based on your investment profile and objective.

Portfolio Optimiser
A tool that will help you manage your portfolio and keep you aligned to your investment objectives.

Does Stock Doctor generate tax reports?

Yes. Our Portfolio Manager provides tax reports, as well as performance reporting, saving you both time and fees.

Do Lincoln Indicators provide stock recommendations?

No. Lincoln Indicators is only authorised to provide general advice and does not consider your objective, financial situation or needs. However, since 1996 Stock Doctor has been helping self-directed investors and self-managed super funds (SMSF) enjoy investment success. Members gain access to exclusive quantitative research that identifies the stocks at risk of corporate failure and our Star Stocks – the stocks identified by our exclusive research methodology as having strong financial health and could be suitable to investors with long-term growth or income objectives.

What support and education do you offer?

We have a commitment to comprehensive coaching and education. Our inhouse support team are available during standard Eastern time business hours via phone or in person meetings. You are also supported with a range of online education resources.

Can I see the performance of my portfolio against a benchmark?

Yes, this can be viewed in the Portfolio Manager.

Do you have international stock coverage?

Presently we do not. You may consider our US Growth Managed Fund.

Can I claim my Stock Doctor membership as a tax deduction?

You may be able to. You should refer this question to your tax accountant.

Are share prices in the Stock Doctor platform live or delayed?

We provide intraday data, which is 20 minutes delayed behind the ASX market.

Can I add other asset classes to my portfolio to track their performance?

Yes you can. The ‘Other Assets’ section of the Portfolio Manager allows you to add assets that are not ASX listed securities such as funds, property, hybrids, cash accounts. It also allows you to track the performance of your other investments compared to various ASX indices.

Does Stock Doctor allow me to perform technical analysis?

Yes. Stock Doctor has an advanced charting tool that is linked to both your Portfolio Manager and Watchlists. Perfect for those wanting to combine technical analysis with fundamental analysis. The tool allows you to use over 100 pre-set technical studies including MACD and Stochastics and 33 advanced drawing tools such as Gann fans and Fibonacci levels. With extensive end of day data on all ASX listed stocks, indices, commodities and currencies, you can easily analyse individual stock and market trends.

How can I scan the market for hidden gems?

Stock Doctor includes a powerful stock filter system that allows you to scour the market to find potential opportunities that suit your own personal needs.

Can I access Stock Doctor on my mobile device?

Yes. Stock Doctor is a web-based platform that is optimised to work on both mobile phones and tablets.

Who is best suited to use Stock Doctor?

Stock Doctor is designed to help the conscientious DIY investor who wants to take control of their investing outcomes, leveraging off our methodology that has delivered strong long-term returns as exemplified by our Star Stock performance.

Can Stock Doctor work with self-managed super funds (SMSF)?

Stock Doctor is the ideal investment tool for trustees of SMSFs because it gives you the facts you need to make informed investment decisions for your long term future. It allows you to control and manage your share portfolio by putting at your fingertips all the tools you need to proactively research, construct, and optimise that portfolio while helping you steer clear of unhealthy stocks that are more likely to fail. Depending on your circumstances, an SMSF can claim the cost of a service like Stock Doctor within the fund. Please seek appropriate advice to see if this applies to your SMSF.

What is the cost of Lincoln Indicators’ stock portfolio management software (Stock Doctor)?

Please refer to the following link for more pricing information.

Why Stock Doctor for portfolio management?

Stock Doctor portfolio management software serves as a stock investment analysis tool for self-managed funds, stockbrokers or stock portfolio managers. Our stock investing tools are trusted by stock investors who want to make stock investments independently.

Our back-testing report for your stock investments provides you with the data, insights and timeframes on how your stock picks perform in different stock market conditions.

What are the features of the stock management portfolio platform Stock Doctor?

Stock Doctor offers members a range of features and tools for: stock selection, portfolio management, investment strategies, support and education that can benefit both experienced and novice investors.

Some of the features at your fingertips include:

  • Market-leading research & Stock Doctor Star Stocks
  • Proprietary Quantitative Methodology
  • Pre-defined investment strategies
  • Dedicated support and education
  • World-class portfolio management tool
  • Comprehensive stock filtering
  • Sophisticated Charting
  • Integrated broking
  • And much more

Copyright © 2024 Lincoln Indicators Pty Ltd. All rights reserved.

All financial services are provided by Lincoln Indicators Pty Ltd ABN 23 006 715 573 (Lincoln) as the Corporate Authorised Representative of Lincoln Financial Group Pty Ltd ABN 70 609 751 966, AFSL 483167.

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