Established in 1985 and listed on the Australian Securities Exchange (ASX:CGF) in 1987, Challenger Limited (Challenger) is an investment management firm managing $76.5 billion in assets*.

Challenger is focused on providing our customers with financial security for retirement. We do this by investing to create wealth in the accumulation phase of superannuation, and by converting accumulated wealth into safe and reliable income streams for retirees.

Challenger operates two core investment businesses, a fiduciary Funds Management division and an APRA-regulated Life division.

Challenger's Funds Management division manages $71 billion* and comprises Fidante Partners, which teams with boutique fund managers striving to deliver superior performance, as well as the Challenger Investment Partners (CIP) business. CIP is a relative value investor, accessing opportunities globally across real estate and fixed income on behalf of institutional investors, including Challenger Life Company.

Challenger Life Company Limited (Challenger Life) is Australia's largest provider of annuities and a life company registered under the Life Insurance Act 1995.

Challenger Life guarantees the capital and interest in annuitants' regular payments, providing reliable income to around 60,000 investors through its management of more than $17 billion* in assets. It is regulated by the Australian Prudential Regulation Authority (APRA) and must hold a minimum amount of capital, set by APRA, to ensure it can meet all investors' payments into the future. Challenger Life was named winner of the 2017 AFA/Strategic Insight 'Annuity Provider of the Year' for the tenth year in a row. Challenger Life also won the Long-Term Income Stream Award. These awards are issued by AFA (Association of Financial Advisers) and Strategic Insight Actuaries and Researchers. For further information about these awards, please refer to AFA Website

Hardingham Whitfords Trust