Design and Distribution Obligations

The Design and Distribution Obligations (DDO) are intended to help consumers obtain appropriate financial products by requiring issuers and distributors to have a consumer-centric approach to the design and distribution of products.

For more information about DDO, please refer to our FAQs or email us at

Design and Distribution Obligations – reporting and contact details

If you would like to report a significant dealing please complete the industry standard reporting form and email it to

For reporting complaints on a quarterly basis, please complete the industry standard reporting form and email it to

To view a Target Market Determination (TMD) for a product please refer to the links below. Please note: There are no TMDs for individual investment options as the only way to invest in one of our options is via one of our accumulation or pension products.

Target Market Determinations