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The Design and Distribution Obligations (DDO) introduce a new approach to consumer protection, by introducing new measures to improve the likelihood that products are distributed to clients for whom they've been designed (ie the target market).
Target market determination (TMD)
IOOF is required to make a Target Market Determination (TMD) for all products. The TMD is required to be in writing and will be clearly set out with details relating to the target market.
It's our responsibility to create a TMD for each product covered by DDO that:
It is important to note that a TMD is not a disclosure document. Depending on the type of distribution conduct, advisers will need to use the TMD to meet their relevant obligations.
We are required by law, under Treasury Laws Amendment (Design and Distribution Obligations and Product Intervention Powers) Act 2019 to have TMD documents in place by 5 October 2021. View our TMDs.
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^ Please note the portal is for DDO reporting only. If you want to provide feedback or lodge a complaint about an IOOF product or service please contact 1800 913 118 (Monday - Friday, 8:30am - 5:30pm AEST) or your Client Solution Manager.