for the year ending 30 june 2016 investment performance ... · via issued units within the colonial...
TRANSCRIPT
For the year ending 30 June 2016
1
Investment performance and other important information
Superannuation products available within the Colonial Super Retirement Fund.
Other superannuation and ordinary products issued by The Colonial Mutual Life Assurance Society Limited.
Contents
Click on the link below to go the relevant section of this document.
(Refer to your Annual Statement for the name of your product.)
Bond 2000 Colonial Private Trustee (W04)
Colonial Capital Secure Insurance Bond Colonial Prupac
Colonial Endowment Colonial Pure Endowment
Colonial Flexible Income Retirement Plan Colonial Retirement Accumulation Plan (WO2)
Colonial Funeral Bond (AF3) Colonial Retirement Investment Plan (WO1)
Colonial Insurance Bond - Old Series Colonial Retirement Plus Account (FA3, FB3)
Colonial Insurance Bond, Entry Fee Version Colonial Rollover Bond (E05, E06, E10)
Colonial Insurance Bond, Free Entry Plus Version Colonial Rollover Bond (EA3)
Colonial Insurance Bond, Series III Colonial Rollover Bond (EB3)
Colonial Insurance Bond, Series IV Colonial Rollover Bond (EC3, EF3)
Colonial Investment Bond (AA3, AG3, AH3) Colonial Rollover Deposit Plan (EO9)
Colonial Investment Linked Insurance Bond Colonial Select Allocated Pension
Colonial Life Umbrella (SO3) Colonial Select Personal Superannuation
Colonial Life Umbrella Super (WO3) Colonial Super Money Plan (WA3)
Colonial Living Money (E07, E08) Colonial Superannuation Bond (E01, E02)
Colonial Money Plan (SA3) Colonial Superannuation Bond (ED3, EE3, EG3)
Colonial Mutual Insurance Bond Colonial Tailored Annuity Plan - Allocated Annuity
Colonial Passbook (SB3) Colonial Umbrella Investment Plan (T10, T11, T12)
Colonial Personal Superannuation Bond (E03, E04) Colonial Umbrella Investment Plan (X10, X11, X12)
Colonial Personal Superannuation Portfolio Colonial Whole of Life
2
CommInsure Investment Growth Bond (A01, A02, A03, A04, A05) Rollover Deferred Annuity
CommInsure Investment Growth Bond (AO6) Roll-Over Plan
CPSL MasterFund Superannuation Roll-Over Plan - Rollover and Super Bond 93
CPSL Wholesale Investment Portfolios - Wholesale Exempt Business
Roll-Over Plan "S" Series
CPSL Wholesale Investment Portfolios - Wholesale Non Superannuation
Roll-Over Plan Goldseal
CPSL Wholesale Investment Portfolios - Wholesale Superannuation
SGIC Business Class Super Fund
Deferred Annuity Superannuation Bond "S" Series
Easy Saver Superannuation Bond (Capital Guaranteed Bond, Deferred Annuity)
Easy Saver Plus Superannuation Bond (Multi-Bond)
Free Entry Plus Trustee SuperBond Series III Superannuation Bond (Rollover and Super Bond 93)
Investment Bond "S" Series SuperBond
Investment Bond (Bond '90, Bond '92, Inlife Series 3) SuperBond 2000
Investment Bond (Bond '93) SuperBridge
Investment Bond (Capital Guaranteed Bond) SuperBridge - Investment Linked
Investment Bond (Managed PruBond, Roll-Over Plan Goldseal) SuperBridge - New Series
Investment Bond (Multi-Bond) SuperBridge - Series III
InvestorPlan SuperBridge - Series IV
Lifebuilder SuperCash
Lifebuilder Superannuation SuperFlex Superannuation
LifeLink, LifeLink Plus Series 2, LifeLink Plus Series 3 SuperGuaranteeCARE
LifeWise Series 4 and 5 SuperLink, SuperLink Plus Series 2 and 3
Limited Offer Insurance Bond, Limited Offer Insurance Bond Multi-Option
SuperPlan Superannuation
Managed Investment Bond SuperSpan - Limited Offer, Limited Offer (multi option)
Managed Investment Plan SuperSpan II
Managed Investment Super Plan - Corporate SuperSpan II (multi option)
Managed Investment SuperPlan SuperSpan Plus
Managed Personal SuperPlan SuperSpan Plus Series III
Managed Savings Plan SuperSpan Plus Series IV
Personal SuperCARE SuperUnits
PruPlan Plus Superannuation SuperWise Series 4 and 5
PruPlan Superannuation Trustee Superannuation Bond, Old Series and Series III
PruPlan Superannuation "PruLink", PruPlan Superannuation "Unit-Linked"
Wealth Portfolio
Retirement Saver, Retirement Saver Plus Wealth Portfolio Superannuation
Colonial Mutual Superannuation Pty Ltd ABN 56 006 831 983 AFSL 235025 (the Trustee, we) and The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA) are both wholly owned non-guaranteed subsidiaries of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945.
This Investment performance and other important information relates to:
• superannuation products as identified and issued by the Trustee that form part of Colonial Super Retirement Fund ABN 40 328 908 469 (CSRF, the Fund); and
• other superannuation and ordinary products issued by CMLA.
3
XX
XX
X X
XX
XX
Performance explained
Unit-linked products
How we calculate performance
Returns are net of investment management fees, taxes and
charges (where applicable). Certain fees such as contribution,
administration or withdrawal fees (if any) are not taken into
account. Performance is calculated on the change in the
withdrawal unit prices for the period ending 30 June 2016
corresponding to the investment timeframe indicated, or where
applicable, the crediting rate for the relevant period.
Your return
Your individual net return may differ from the returns quoted in
this document. Your individual net return depends on the timing
of any transactions such as contributions, withdrawals,
switches or unit adjustments during the period covered by the
Annual Statement and your mix of investment options.
Past performance is not indicative of future performance
There is no guarantee that one investment option will
outperform another. The performance of the investment options
is generally dependent on economic conditions, investment
management and taxation laws. However, in some cases
investment guarantees may apply to investment options.
Whole of Life, Endowment and Pure
Endowment policies
Reversionary and terminal bonuses
Annual bonuses are additional to the sum insured and are
payable under the same conditions as the sum insured.
Reversionary bonuses are guaranteed once declared and
added to the policy.
Terminal bonuses are not guaranteed and they can increase,
decrease, or be removed depending on investment
performance.
The face value of bonuses is paid on death or maturity.
Bonuses are worth less than their face value if cashed in early.
A smoothing methodology is used when calculating bonuses
each year. The rationale for this is to produce declared bonus
rates that are less volatile than the underlying investments. To
achieve this, when the returns from the underlying investments
are high, some of these returns will be retained and not
included in the bonus declaration for that year, in order to
provide some buffer if investment returns deteriorate. In times
of low investment returns, these buffer amounts can then be
drawn on to declare a higher bonus amount than would have
been possible if based solely on the returns of the underlying
investments.
Based on the smoothing methodology, there were small
reductions in reversionary bonus rates for most bonus series
for 2015 compared with 2014. Terminal bonus rates were
unchanged for most bonus series.
Other important information
This document has been prepared for general information only,
not having regard to your investment objectives, financial
situation or needs. Because of this, you should consider the
appropriateness of the information having regard to your own
circumstances. Before making a decision to act on any of this
information, financial advice specific to you is recommended.
You should seek advice from your taxation adviser in relation to
taxation matters.
Composite Benchmark
The investment objectives and strategy for some investment
options with exposure to more than one asset class includes
reference to a composite benchmark.
The composite benchmark is calculated based on the weighted
average target asset allocation and index returns for each
asset class.
Notes
1. The asset allocations and the assets in the product can vary at the discretion of the investment manager. The investment managers aim to maintain the investments within the minimum and maximum ranges published. However there may be times when asset allocations fall outside these ranges.
2. The investment management fee covers the costs of managing your investment options and includes investment and administration costs for the investment managers and the responsible entities of the underlying trusts in which CMLA invests. Custody and other costs have been included in cases where these have not been deducted from the underlying assets. The fee is calculated as a percentage of the total assets of the investment option and varies from time to time. It is deducted from the investment option assets before the unit prices are calculated.
* For options with an asterisk (*) against the fee, the fee is calculated as a percentage of your account value.
** For options with two asterisks (**) against the fee, no explicit investment management fee applies on this investment option. The returns shown are net of any expenses and CMLA’s share of profits on the underlying investments.
3. Participating capital guaranteed. We distribute profits to policyholders through the declaration of bonus rates. We do not allow for fees in the determination of bonus rates. On those policies where the guaranteed rate is higher than the declared rate, the guaranteed rate would apply.
4. Non-participating capital guaranteed. On those policies where the guaranteed rate is higher than the declared rate, the guaranteed rate would apply.
5. CMLA charges a fee in the unit price. Please note that this fee is fully rebated via issued units within the Colonial Personal Superannuation Portfolio only.
6. We distribute profits to policyholders through the declaration of bonus rates. We do not allow for fees in the determination of bonus rates.
7. Superannuation and ordinary life products issued by CMLA.
8. Superannuation products issued by the Trustee for CSRF. The Trustee does not guarantee the accuracy or correctness of information relating to products it does not issue.
9. Not all the investment options are available or applicable to your policy. Please refer to your policy document for the applicable options or contact us for further details.
10. Advance Contribution Account (ACA), effective 1 December 2007 for ordinary products.
11. The investment option is closed to new investors. o Listed property investments may include Australian and international listed
property trusts (hedged).
oo Alternative investments offer the opportunity for enhanced returns and further portfolio diversification. Alternative investments are investments in non-traditional sectors that may be illiquid in nature. They may include but are not limited to private equity, direct property, infrastructure, alternative betas and hedge funds.
ooo Fixed interest includes Australian and international bonds (hedged).
4
XX
XX
X X
XX
XX
Return To Contents
Contract/
component
code
Statutory fundSum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Whole of Life - LargeC01H,
C01I,C01U5PT 10.5 10.5 13.0 13.0 15.0 15.0 12.5 12.5 13.0 13.0
Whole of Life - SmallC01P, C01Q,
C01T5PT 6.5 6.5 8.0 8.0 9.5 9.5 8.0 8.0 8.5 8.5
Endow ment - Large C02E, C02I 5 PT 17.5 17.5 16.0 16.0 16.0 16.0 14.5 14.5 14.5 14.5
Endow ment - SmallC02G, C02H,
C02J5 PT 11.0 11.0 10.0 10.0 10.0 10.0 9.0 9.0 9.0 9.0
Pure Endow ment C03B 5 PT 9.0 9.0 9.0 9.0 9.0 9.0 8.0 8.0 8.0 8.0
Whole of Life 1996
SeriesC01G 5 PT 0.5 0.5 1.0 1.0 2.0 2.0 1.0 1.0 1.5 1.5
Whole of Life,
Endow ment and Pure
Endow ment 1960
C01A, C01B,
C02A, C02B5 PT 26.0 26.0 29.0 29.0 32.0 32.0 26.5 26.5 26.5 26.5
Whole of Life,
Endow ment and Pure
Endow ment 1974
C01D, C01E,
C02C, C02D5 PT 17.0 17.0 19.0 19.0 22.5 22.5 18.0 18.0 18.0 18.0
Whole of Life - Large G01I 1 PT 15.0 15.0 16.0 16.0 17.5 17.5 14.5 14.5 15.0 15.0
Whole of Life - Small G01Q 1 PT 10.0 10.0 10.5 10.5 11.5 11.5 9.5 9.5 10.0 10.0
Pure Endow ment G03B 1 PT 3.0 3.0 3.0 3.0 3.0 3.0 1.0 1.0 1.0 1.0
Endow ment - Large G02E, G02I 1 PT 3.0 3.0 3.0 3.0 3.0 3.0 1.0 1.0 1.0 1.0
Endow ment - Small G02G, G02J 1 PT 3.0 3.0 3.0 3.0 3.0 3.0 1.0 1.0 1.0 1.0
Whole of Life 1996
SeriesG01G 1 PT 3.5 3.5 4.0 4.0 5.0 5.0 4.0 4.0 4.0 4.0
Whole of Life,
Endow ment and Pure
Endow ment 1960
G01B, G02A 1 PT 11.5 11.5 11.5 11.5 11.5 11.5 9.0 9.0 9.0 9.0
Whole of Life,
Endow ment and Pure
Endow ment 1974
G01E, G02C,
G03A1 PT 16.0 16.0 16.0 16.0 16.0 16.0 13.5 13.5 13.5 13.5
2013 bonus rate6 (per $1000) 2012 bonus rate6 (per $1000) 2011 bonus rate6 (per $1000)2015 bonus rate6 (per $1000) 2014 bonus rate6 (per $1000)
Rev ersionary Bonus
Ordinary7
Superannuation7,8
Whole of Life, Endowment and Pure Endowment policies originally issued by CMLA and Scottish
Amicable insurance companies
5
XX
XX
X X
XX
XX
Return To Contents
Asset Allocation at 30 June 20161
Ordinary Superannuation
Australian Shares 7.0%
Australian Shares 4.6%
International Shares 16.5% International Shares 9.2%
Alternativesoo 28.2% Alternativesoo 26.2%
Fixed interestooo 44.8% Fixed interestooo 55.8%
Cash 3.5% Cash 4.2%
Contract/
component
code
Statutory fundSum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Ordinary7
Whole of Life - LargeC01H, C01I,
C01U5 PT 20.0-350.0 20.0-350.0 20.0-350.0 20.0-350.0 20.0-350.0 20.0-350.0 20.0-300.0 20.0-300.0 20.0-300.0 20.0-300.0
Whole of Life - SmallC01P, C01Q,
C01T5 PT 20.0-350.0 20.0-350.0 20.0-350.0 20.0-350.0 20.0-350.0 20.0-350.0 20.0-300.0 20.0-300.0 20.0-300.0 20.0-300.0
Endow ment - Large C02E, C02I 5 PT 70.0-490.0 70.0-490.0 60.0-480.0 60.0-480.0 40.0-450.0 40.0-450.0 40.0-430.0 40.0-430.0 40.0-430.0 40.0-430.0
Endow ment - SmallC02G, C02H,
C02J5 PT 70.0-490.0 70.0-490.0 60.0-480.0 60.0-480.0 40.0-450.0 40.0-450.0 40.0-430.0 40.0-430.0 40.0-430.0 40.0-430.0
Pure Endow ment C03B 5 PT 140.0-480.0 140.0-480.0 140.0-480.0 140.0-480.0 140.0-480.0 140.0-480.0 130.0-440.0 130.0-440.0 130.0-440.0 130.0-440.0
Whole of Life 1996
SeriesC01G 5 PT 20.0 20.0 30.0 30.0 50.0 50.0 20.0 20.0 30.0 30.0
Whole of Life,
Endow ment and Pure
Endow ment 1960
C01A, C01B,
C02A, C02B5 PT 90.0-460.0 90.0-460.0 90.0-460.0 90.0-460.0 90.0-460.0 90.0-460.0 0.0-430.0 0.0-430.0 0.0-430.0 0.0-430.0
Whole of Life,
Endow ment and Pure
Endow ment 1974
C01D, C01E,
C02C, C02D5 PT 150.0-820.0 150.0-820.0 150.0-820.0 150.0-820.0 150.0-820.0 150.0-820.0 130.0-760.0 130.0-760.0 130.0-760.0 130.0-760.0
Whole of Life - Large G01I 1 PT 30.0-650.0 30.0-650.0 30.0-650.0 30.0-650.0 20.0-650.0 20.0-650.0 20.0-600.0 20.0-600.0 20.0-610.0 20.0-610.0
Whole of Life - Small G01Q 1 PT 30.0-650.0 30.0-650.0 30.0-650.0 30.0-650.0 20.0-650.0 20.0-650.0 20.0-600.0 20.0-600.0 20.0-610.0 20.0-610.0
Pure Endow ment G03B 1 PT 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Endow ment - Large G02E, G02I 1 PT 30.0-490.0 30.0-490.0 10.0-460.0 10.0-460.0 10.0-450.0 10.0-450.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0
Endow ment - Small G02G, G02J 1 PT 30.0-490.0 30.0-490.0 10.0-460.0 10.0-460.0 10.0-450.0 10.0-450.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0
Whole of Life 1996
SeriesG01G 1 PT 240.0 240.0 240.0 240.0 240.0 240.0 210.0 210.0 230.0 230.0
Whole of Life,
Endow ment and Pure
Endow ment 1960
G01B, G02A 1 PT 80.0-550.0 80.0-550.0 80.0-550.0 80.0-550.0 60.0-530.0 60.0-530.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0
Whole of Life,
Endow ment and Pure
Endow ment 1974
G01E, G02C,
G03A1 PT 60.0-1090.0 60.0-1090.0 50.0-1070.0 50.0-1070.0 50.0-1050.0 50.0-1050.0 20.0-950.0 20.0-950.0 20.0-950.0 20.0-950.0
2013 bonus rate6 (per $1000) 2012 bonus rate6 (per $1000)2015 bonus rate6 (per $1000) 2014 bonus rate6 (per $1000) 2011 bonus rate6 (per $1000)
Terminal Bonus
Superannuation7,8
Whole of Life, Endowment and Pure Endowment policies originally issued by CMLA and Scottish
Amicable insurance companies (cont.)
6
XX
XX
X X
XX
XX
Return To Contents
Asset Allocation at 30 June 20161
Ordinary Superannuation
Australian Shares 7.0%
Australian Shares 4.6%
International Shares 16.5% International Shares 9.2%
Alternativesoo 28.2% Alternativesoo 26.2%
Fixed interestooo 44.8% Fixed interestooo 55.8%
Cash 3.5% Cash 4.2%
Whole of Life and Endowment policies originally issued by the Legal & General insurance company
Contract/
component
code
Statutory fundSum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Premium Pay ing -
Rev ersionary
I02, I04, I06,
I07, I08, I095 PT 1.0 1.0 1.5 1.5 2.0 2.0 1.0 1.0 1.0 1.0
Paid Up - Rev ersionaryI02, I04, I06,
I07, I08, I095 PT 1.0 1.0 1.5 1.5 2.0 2.0 1.0 1.0 1.0 1.0
Premium Pay ing -
Rev ersionary
N02, N04,
N06, N081 PT 1.00 1.00 1.00 1.00 1.50 1.50 1.00 1.00 1.50 1.50
Paid Up - Rev ersionaryN02, N04,
N06, N081 PT 1.00 1.00 1.00 1.00 1.50 1.50 1.00 1.00 1.50 1.50
Premium Pay ing -
Terminal
I02, I04, I06,
I07, I08, I095 PT 160.0-190.0 160.0-190.0 160.0-210.0 160.0-210.0 170.0-220.0 170.0-220.0 120.0-220.0 120.0-220.0 130.0-230.0 130.0-230.0
Paid Up - TerminalI02, I04, I06,
I07, I08, I095 PT 160.0-190.0 160.0-190.0 160.0-210.0 160.0-210.0 170.0-220.0 170.0-220.0 120.0-220.0 120.0-220.0 130.0-230.0 130.0-230.0
Premium Pay ing -
Terminal
N02, N04,
N06, N081 PT 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Paid Up - TerminalN02, N04,
N06, N081 PT 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Ordinary7
Superannuation7,8
2011 bonus rate6 (per $1000)
Rev ersionary Bonus
Ordinary7
Superannuation7,8
Terminal Bonus
2014 bonus rate6 (per $1000) 2013 bonus rate6 (per $1000) 2012 bonus rate6 (per $1000)2015 bonus rate6 (per $1000)
7
XX
XX
X X
XX
XX
Contract/
component
code
Statutory fundSum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Series 1 -
Rev ersionary
C11A, C11B,
C12A5 PT 45.0 45.0 45.0 45.0 45.0 45.0 43.0 43.0 43.0 43.0
Series 2 -
Rev ersionary
C11D, C11E,
C12B, C12C,
C13A
5 PT 11.0 11.0 14.0 14.0 17.5 17.5 15.0 15.0 16.0 16.0
Series 4 -
Rev ersionary
C11G, C12E,
C13B5 PT 12.0 12.0 15.0 15.0 17.5 17.5 15.0 15.0 16.0 16.0
Series 5 -
Rev ersionaryC11I, C12G 5 PT 10.5 10.5 13.0 13.0 16.0 16.0 13.5 13.5 15.0 15.0
Series 6 -
Rev ersionaryC11F 5 PT 10.0 10.0 13.5 13.5 16.0 16.0 13.5 13.5 15.0 15.0
Series A, B, C, D, E, F,
G, I, J, K, L, M, N, P,
Q, R, S, T, U, V, X & Z
- Rev ersionary
C11C, C11H,
C11J, C11Q,
C11R, C12I,
C12J, C12K,
C13D, C20A,
C20B, C20C,
C20D, C20E,
C20F, C20G,
C20H
5 PT 10.0 10.0 12.5 12.5 14.5 14.5 12.5 12.5 13.0 13.0
Series 1 -
Rev ersionaryG11B 1 PT 41.0 41.0 43.0 43.0 43.0 43.0 39.0 39.0 39.0 39.0
Series 2 -
Rev ersionary
G11E, G12C,
G13A1 PT 9.5 9.5 11.0 11.0 11.5 11.5 10.0 10.0 11.0 11.0
Series 3 -
Rev ersionaryG11K, G12L 1 PT 11.0 11.0 11.0 11.0 10.0 10.0 9.0 9.0 9.0 9.0
Series 4 -
Rev ersionary
G11G, G12E,
G13B1 PT 14.0 14.0 16.5 16.5 17.5 17.5 16.0 16.0 17.5 17.5
Series 5 -
Rev ersionaryG11I, G12G 1 PT 17.0 17.0 19.0 19.0 20.0 20.0 18.0 18.0 19.0 19.0
Series A, C, E, G, H, I,
J, L, M, Q, R, U & Z -
Rev ersionary
G11Q, G11R,
G12I, G12J,
G12K, G13D,
G13E, G20A,
G20B, G20D,
G20E, G20G,
G20H
1 PT 14.0 14.0 12.5 12.5 10.5 10.5 8.0 8.0 8.0 8.0
Rev ersionary Bonus
Ordinary7
Superannuation7,8
2013 bonus rate6 (per $1000) 2012 bonus rate6 (per $1000) 2011 bonus rate6 (per $1000)2015 bonus rate6 (per $1000) 2014 bonus rate6 (per $1000)
Whole of Life, Endowment and Pure Endowment policies originally issued by Aetna and Prudential
Assurance companies
8
XX
XX
X X
XX
XX
Return To Contents
Asset Allocation at 30 June 20161
Ordinary Superannuation
Australian Shares 7.0%
Australian Shares 4.6%
International Shares 16.5% International Shares 9.2%
Alternativesoo 28.2% Alternativesoo 26.2%
Fixed interestooo 44.8% Fixed interestooo 55.8%
Cash 3.5% Cash 4.2%
Contract/
component
code
Statutory fundSum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Series 1 - TerminalC11A, C11B,
C12A5 PT 0.0-3930.0 N/A 0.0-3930.0 N/A 0.0-3930.0 N/A 0.0-3470.0 N/A 0.0-3380.0 N/A
Series 2 - Terminal
C11D, C11E,
C12B, C12C,
C13A
5 PT 280.0-5680.0 N/A 280.0-5680.0 N/A 280.0-5680.0 N/A 170.0-5080.0 N/A 170.0-5080.0 N/A
Series 4 - TerminalC11G, C12E,
C13B5 PT 210.0-670.0 N/A 210.0-670.0 N/A 210.0-670.0 N/A 190.0-570.0 N/A 190.0-570.0 N/A
Series 5 - Terminal C11I, C12G 5 PT 380.0-560.0 N/A 380.0-560.0 N/A 380.0-560.0 N/A 320.0-480.0 N/A 340.0-510.0 N/A
Series 6 - Terminal C11F 5 PT 410.0-770.0 N/A 410.0-770.0 N/A 410.0-770.0 N/A 350.0-670.0 N/A 370.0-710.0 N/A
Series A, B, C, D, E, F,
G, I, J, K, L, M, N, P,
Q, R, S, T, U, V, X & Z
- Terminal
C11C, C11H,
C11J, C11Q,
C11R, C12I,
C12J, C12K,
C13D, C20A,
C20B, C20C,
C20D, C20E,
C20F, C20G,
C20H
5 PT 120.0-650.0 N/A 120.0-650.0 N/A 120.0-650.0 N/A 120.0-530.0 N/A 130.0-560.0 N/A
Series 1 - Terminal G11B 1 PT 250.0-5840.0 N/A 230.0-5530.0 N/A 230.0-5530.0 N/A 210.0-5230.0 N/A 210.0-5230.0 N/A
Series 2 - TerminalG11E, G12C,
G13A1 PT 210.0-5130.0 N/A 220.0-5130.0 N/A 210.0-5020.0 N/A 170.0-4580.0 N/A 190.0-4780.0 N/A
Series 3 - Terminal G11K, G12L 1 PT 200.0-890.0 N/A 170.0-790.0 N/A 120.0-640.0 N/A 110.0-590.0 N/A 110.0-590.0 N/A
Series 4 - TerminalG11G, G12E,
G13B1 PT 170.0-520.0 N/A 150.0-520.0 N/A 150.0-520.0 N/A 70.0-430.0 N/A 70.0-450.0 N/A
Series 5 - Terminal G11I, G12G 1 PT 250.0-530.0 N/A 250.0-530.0 N/A 250.0-530.0 N/A 230.0-420.0 N/A 230.0-420.0 N/A
Series A, C, E, G, H, I,
J, L, M, Q, R, U & Z -
Terminal
G11Q, G11R,
G12I, G12J,
G12K, G13D,
G13E, G20A,
G20B, G20D,
G20E, G20G,
G20H
1 PT 160.0-1020.0 N/A 150.0-920.0 N/A 120.0-770.0 N/A 60.0-630.0 N/A 60.0-630.0 N/A
2015 bonus rate6 (per $1000)
Terminal Bonus
Ordinary7
Superannuation7,8
2014 bonus rate6 (per $1000) 2013 bonus rate6 (per $1000) 2012 bonus rate6 (per $1000)
Whole of Life, Endowment and Pure Endowment policies originally issued by Aetna and Prudential
Assurance companies (cont.)2011 bonus rate6 (per $1000)
9
XX
XX
X X
XX
XX
Return To Contents
Asset Allocation at 30 June 20161
Ordinary Superannuation
Australian Shares 2.3%
Australian Shares 2.6%
International Shares 7.2% International Shares 7.0%
Alternativesoo 9.8% Alternativesoo 10.2%
Fixed interestooo 71.4% Fixed interestooo 71.3%
Cash 9.3% Cash 8.9%
Contract/
component
code
Statutory fundSum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Series 1 C25A 5 PI 1.5 1.5 1.5 1.5 5.5 5.5 0.0 0.0 0.0 0.0
Series 2 C25B 5 PI 3.0 3.0 3.0 3.0 7.0 7.0 0.0 0.0 0.0 0.0
Series 3 C25C 5 PI 4.5 4.5 4.5 4.5 8.5 8.5 0.0 0.0 0.0 0.0
Series 4 C25D 5 PI 6.5 6.5 6.5 6.5 10.5 10.5 0.0 0.0 0.0 0.0
Series 5 C25E 5 PI 10.5 10.5 10.5 10.5 14.5 14.5 0.0 0.0 0.0 0.0
Series 6 C25F 5 PI 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Series 1 G25A 1 PI 5.5 5.5 9.0 9.0 9.0 9.0 0.0 0.0 0.0 0.0
Series 2 G25B 1 PI 7.5 7.5 12.5 12.5 11.0 11.0 1.0 1.0 0.0 0.0
Series 3 G25C 1 PI 8.0 8.0 12.5 12.5 11.5 11.5 1.5 1.5 0.0 0.0
Series 4 G25D 1 PI 8.5 8.5 13.0 13.0 12.0 12.0 2.0 2.0 0.0 0.0
Series 5 G25E 1 PI 9.5 9.5 14.5 14.5 13.0 13.0 3.0 3.0 0.0 0.0
Series 6 G25F 1 PI 10.5 10.5 15.5 15.5 14.0 14.0 4.0 4.0 0.0 0.0
Series 7 G25G 1 PI 12.5 12.5 18.5 18.5 16.0 16.0 6.0 6.0 0.0 0.0
Series 8 G25H 1 PI 24.5 24.5 40.5 40.5 28.0 28.0 18.0 18.0 0.0 0.0
Series 9 G25I 1 PI 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
PruPac
Superannuation7,8
2011 bonus rate6 (per $1000)
Ordinary7
2014 bonus rate6 (per $1000) 2013 bonus rate6 (per $1000) 2012 bonus rate6 (per $1000)2015 bonus rate6 (per $1000)
10
XX
XX
X X
XX
XX
Return To Contents
Asset Allocation at 30 June 20161
Ordinary Superannuation
Australian Shares 2.5%
Australian Shares 2.7%
International Shares 6.8% International Shares 6.7%
Alternativesoo 6.4% Alternativesoo 6.2%
Fixed interestooo 40.8% Fixed interestooo 41.1%
Cash 43.5% Cash 43.3%
Advance Contribution Account (ACA)
2016 2015 2014 2013 2012
Ordinary7,10
5NPI 1.10 1.63 1.83 1.57 2.45 1.75 N/A 0.50%
Superannuation7,8
1NPI 1.58 2.2 2.43 2.11 3.23 2.36 3.29 0.50%
10 years
(%p.a.)
Investment
management
fee (%p.a.)
Statutory fundYearly returns as at 30 June (%)
5 years (%p.a.)
11
XX
XX
X X
XX
XX
Investment LifeBuilder, Wealth Portfolio, InvestorPlan7 (LB, WP, INVESTNI)
Capital Stable Primary Fund (Wealth Portfolio) - CAPN
Objective and strategy
2016 -1.64
2015 0.21 ●Australian Shares 10.0%
2014 1.47 ●International Shares 8.4%
2013 1.32 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 4.85 2012 -0.44 ●Alternatives°° 12.2%
5 years (%p.a.) 0.18 ●Fixed Interest°°° 33.3%
10 years (%p.a.) -0.50 ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Stable Growth Fund (Wealth Portfolio) - CAPGN
Objective and strategy
2016 1.41
2015 3.31 ●Australian Shares 10.0%
2014 4.63 ●International Shares 8.4%
2013 4.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 2.64 ●Alternatives°° 12.2%
5 years (%p.a.) 3.28 ●Fixed Interest°°° 33.3%
10 years (%p.a.) 2.57 ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Stable Growth Plus Fund - CAPGPN
Objective and strategy
2016 1.85
2015 3.79 ●Australian Shares 10.0%
2014 5.15 ●International Shares 8.4%
2013 4.91 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 3.13 ●Alternatives°° 12.2%
5 years (%p.a.) 3.76 ●Fixed Interest°°° 33.3%
10 years (%p.a.) 3.05 ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
12
XX
XX
X X
XX
XX
Balanced Primary Fund (Wealth Portfolio) - BALN
Objective and strategy
2016 -2.42
2015 2.97 ●Australian Shares 26.2%
2014 6.05 ●International Shares 26.5%
2013 7.41 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 4.85 2012 -2.31 ●Alternatives°° 18.1%
5 years (%p.a.) 2.26 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 0.20 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Balanced Growth Fund (Wealth Portfolio) - BALGN
Objective and strategy
2016 0.61
2015 6.16 ●Australian Shares 26.2%
2014 9.35 ●International Shares 26.5%
2013 10.72 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 0.71 ●Alternatives°° 18.1%
5 years (%p.a.) 5.42 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.29 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Balanced Growth Plus Fund - BALGPN
Objective and strategy
2016 1.13
2015 6.65 ●Australian Shares 26.2%
2014 9.91 ●International Shares 26.5%
2013 11.13 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 1.19 ●Alternatives°° 18.1%
5 years (%p.a.) 5.92 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.76 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
13
XX
XX
X X
XX
XX
Equity Profile Primary Fund (Wealth Portfolio) - EQPN
Objective and strategy
2016 -3.12
2015 3.62 ●Australian Shares 33.4%
2014 7.03 ●International Shares 33.4%
2013 9.59 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 4.85 2012 -3.33 ●Alternatives°° 17.7%
5 years (%p.a.) 2.62 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 0.37 ●Cash 12.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Equity Profile Growth Fund (Wealth Portfolio) - EQPGN
Objective and strategy
2016 -0.12
2015 6.82 ●Australian Shares 33.4%
2014 10.36 ●International Shares 33.4%
2013 12.97 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 -0.34 ●Alternatives°° 17.7%
5 years (%p.a.) 5.80 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 3.47 ●Cash 12.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Equity Profile Growth Plus Fund - EQPGPN
Objective and strategy
2016 0.32
2015 7.31 ●Australian Shares 33.4%
2014 10.90 ●International Shares 33.4%
2013 13.53 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 0.06 ●Alternatives°° 17.7%
5 years (%p.a.) 6.28 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 3.95 ●Cash 12.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
14
XX
XX
X X
XX
XX
Return To Contents
Capital Guaranteed (Wealth Portfolio) - CGORD1
Objective and strategy
2016 3.75
2015 4.20 ●Australian Shares 2.3%
2014 4.47 ●International Shares 7.2%
2013 3.75 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.10 ●Alternatives°° 9.8%
5 years (%p.a.) 4.05 ●Fixed Interest°°° 71.4%
10 years (%p.a.) 4.15 ●Cash 9.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed - CGORD2
Objective and strategy
2016 3.75
2015 4.20 ●Australian Shares 2.3%
2014 4.47 ●International Shares 7.2%
2013 3.75 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.10 ●Alternatives°° 9.8%
5 years (%p.a.) 4.05 ●Fixed Interest°°° 71.4%
10 years (%p.a.) 4.15 ●Cash 9.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
15
XX
XX
X X
XX
XX
Investment Bond (Multi-Bond)7 (INVBOND1)
Cash Fund - CASH-N
Objective and strategy
2016 0.10
2015 0.32 ●Australian Shares 0.0%
2014 0.35 ●International Shares 0.0%
2013 0.77 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 1.60 ●Alternatives°° 0.0%
5 years (%p.a.) 0.63 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.44 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Stable Fund - CAPSNG
Objective and strategy
2016 1.40
2015 3.29 ●Australian Shares 10.0%
2014 4.62 ●International Shares 8.4%
2013 4.43 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 2.67 ●Alternatives°° 12.2%
5 years (%p.a.) 3.28 ●Fixed Interest°°° 33.3%
10 years (%p.a.) 2.57 ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Balanced Fund - BALI-N
Objective and strategy
2016 0.64
2015 6.13 ●Australian Shares 26.2%
2014 9.32 ●International Shares 26.5%
2013 10.70 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 0.70 ●Alternatives°° 18.1%
5 years (%p.a.) 5.41 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.29 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
16
XX
XX
X X
XX
XX
Return To Contents
Equity Profile Fund - EPNG
Objective and strategy
2016 -0.13
2015 6.82 ●Australian Shares 33.4%
2014 10.35 ●International Shares 33.4%
2013 12.97 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 -0.34 ●Alternatives°° 17.7%
5 years (%p.a.) 5.80 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 3.47 ●Cash 12.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Guaranteed - CGORD1
Objective and strategy
2016 3.75
2015 4.20 ●Australian Shares 2.3%
2014 4.47 ●International Shares 7.2%
2013 3.75 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.10 ●Alternatives°° 9.8%
5 years (%p.a.) 4.05 ●Fixed Interest°°° 71.4%
10 years (%p.a.) 4.15 ●Cash 9.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
17
XX
XX
X X
XX
XX
Investment Bond (Bond '90, Bond '92, Inlife Series 3)7 (BOND-N, BOND-N92, XINLIFE-NB)
Cash Fund - CAPFNG
Objective and strategy
2016 0.11
2015 0.33 ●Australian Shares 0.0%
2014 0.26 ●International Shares 0.0%
2013 0.74 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 1.61 ●Alternatives°° 0.0%
5 years (%p.a.) 0.61 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.44 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Stable Fund - CAPSNG
Objective and strategy
2016 1.40
2015 3.29 ●Australian Shares 10.0%
2014 4.62 ●International Shares 8.4%
2013 4.43 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 2.67 ●Alternatives°° 12.2%
5 years (%p.a.) 3.28 ●Fixed Interest°°° 33.3%
10 years (%p.a.) 2.57 ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Stable II Fund (Bond'92) - CS2NG
Objective and strategy
2016 1.42
2015 3.28 ●Australian Shares 10.0%
2014 4.65 ●International Shares 8.4%
2013 4.46 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 2.68 ●Alternatives°° 12.2%
5 years (%p.a.) 3.29 ●Fixed Interest°°° 33.3%
10 years (%p.a.) 2.59 ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
18
XX
XX
X X
XX
XX
Return To Contents
Balanced Fund - BALANG
Objective and strategy
2016 0.67
2015 6.15 ●Australian Shares 26.2%
2014 9.34 ●International Shares 26.5%
2013 10.70 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 0.70 ●Alternatives°° 18.1%
5 years (%p.a.) 5.43 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.29 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Equity Profile Fund - EPNG
Objective and strategy
2016 -0.13
2015 6.82 ●Australian Shares 33.4%
2014 10.35 ●International Shares 33.4%
2013 12.97 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 -0.34 ●Alternatives°° 17.7%
5 years (%p.a.) 5.80 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 3.47 ●Cash 12.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Guaranteed - CGORD1
Objective and strategy
2016 3.75
2015 4.20 ●Australian Shares 2.3%
2014 4.47 ●International Shares 7.2%
2013 3.75 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.10 ●Alternatives°° 9.8%
5 years (%p.a.) 4.05 ●Fixed Interest°°° 71.4%
10 years (%p.a.) 4.15 ●Cash 9.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
19
XX
XX
X X
XX
XX
Investment Bond 'S' Series, Investment Bond (Managed PruBond, Inlife Series 2)7 (SBOND-N, PRUBONDM, XINLIFE-NA)
Cash Fund - SCPFNG
Objective and strategy
2016 0.56
2015 0.79 ●Australian Shares 0.0%
2014 0.71 ●International Shares 0.0%
2013 1.19 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 2.07 ●Alternatives°° 0.0%
5 years (%p.a.) 1.06 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.90 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Stable Fund - SCPSNG
Objective and strategy
2016 1.85
2015 3.76 ●Australian Shares 10.0%
2014 5.10 ●International Shares 8.4%
2013 4.90 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 3.12 ●Alternatives°° 12.2%
5 years (%p.a.) 3.74 ●Fixed Interest°°° 33.3%
10 years (%p.a.) 3.03 ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Balanced Fund (Investment Bond 'S' Series, Inlife Series 2) - SBALNG
Objective and strategy
2016 1.14
2015 6.64 ●Australian Shares 26.2%
2014 9.84 ●International Shares 26.5%
2013 11.22 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 1.17 ●Alternatives°° 18.1%
5 years (%p.a.) 5.92 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.76 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
20
XX
XX
X X
XX
XX
Return To Contents
Balanced Fund (Investment Bond - Managed Pru Bond) - BOND4N
Objective and strategy
2016 1.12
2015 6.64 ●Australian Shares 26.2%
2014 9.85 ●International Shares 26.5%
2013 11.21 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 1.15 ●Alternatives°° 18.1%
5 years (%p.a.) 5.91 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.75 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Equity Profile Fund - SEPNG
Objective and strategy
2016 0.35
2015 7.32 ●Australian Shares 33.4%
2014 10.87 ●International Shares 33.4%
2013 13.49 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 0.10 ●Alternatives°° 17.7%
5 years (%p.a.) 6.29 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 3.94 ●Cash 12.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Guaranteed - CGORD1
Objective and strategy
2016 3.75
2015 4.20 ●Australian Shares 2.3%
2014 4.47 ●International Shares 7.2%
2013 3.75 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.10 ●Alternatives°° 9.8%
5 years (%p.a.) 4.05 ●Fixed Interest°°° 71.4%
10 years (%p.a.) 4.15 ●Cash 9.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
21
XX
XX
X X
XX
XX
Investment Bond (Bond '93)7 (IB93)
Fixed Interest Fund - FI93NG
Objective and strategy
2016 2.66
2015 1.73 ●Australian Shares 0.0%
2014 3.48 ●International Shares 0.0%
2013 1.23 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2012 5.08 ●Alternatives°° 0.0%
5 years (%p.a.) 2.83 ●Fixed Interest°°° 99.3%
10 years (%p.a.) 2.87 ●Cash 0.7%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Stable Fund - CS93NG
Objective and strategy
2016 1.29
2015 3.18 ●Australian Shares 10.0%
2014 4.51 ●International Shares 8.4%
2013 4.34 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2012 2.57 ●Alternatives°° 12.2%
5 years (%p.a.) 3.17 ●Fixed Interest°°° 33.3%
10 years (%p.a.) 2.47 ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Balanced Fund - B93NG
Objective and strategy
2016 0.53
2015 6.04 ●Australian Shares 26.2%
2014 9.22 ●International Shares 26.5%
2013 10.62 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2012 0.64 ●Alternatives°° 18.1%
5 years (%p.a.) 5.33 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.19 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
22
XX
XX
X X
XX
XX
Return To Contents
Equity Profile Fund - EP93NG
Objective and strategy
2016 -0.23
2015 6.74 ●Australian Shares 33.4%
2014 10.24 ●International Shares 33.4%
2013 12.82 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2012 -0.40 ●Alternatives°° 17.7%
5 years (%p.a.) 5.70 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 3.37 ●Cash 12.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Guaranteed - CGORD1
Objective and strategy
2016 3.75
2015 4.20 ●Australian Shares 2.3%
2014 4.47 ●International Shares 7.2%
2013 3.75 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.10 ●Alternatives°° 9.8%
5 years (%p.a.) 4.05 ●Fixed Interest°°° 71.4%
10 years (%p.a.) 4.15 ●Cash 9.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
23
XX
XX
X X
XX
XX
Investment Bond (Capital Guaranteed Bond) (ACTUBOND, XAETBNDN)
Return To Contents
Capital Guaranteed - CGORD1
Objective and strategy
2016 3.75
2015 4.20 ●Australian Shares 2.3%
2014 4.47 ●International Shares 7.2%
2013 3.75 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.10 ●Alternatives°° 9.8%
5 years (%p.a.) 4.05 ●Fixed Interest°°° 71.4%
10 years (%p.a.) 4.15 ●Cash 9.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
24
XX
XX
X X
XX
XX
Managed Investment Bond7 (MIB)
Return To Contents
Capital Guaranteed Cash Fund - SOGA
Objective and strategy
2016 0.48
2015 0.70 ●Australian Shares 0.0%
2014 0.63 ●International Shares 0.0%
2013 1.11 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 1.99 ●Alternatives°° 0.0%
5 years (%p.a.) 0.98 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.85 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Managed Growth Fund - SOMA
Objective and strategy
2016 1.44
2015 6.97 ●Australian Shares 26.2%
2014 10.14 ●International Shares 26.5%
2013 11.46 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.20* 2012 1.34 ●Alternatives°° 18.1%
5 years (%p.a.) 6.19 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 4.20 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
25
XX
XX
X X
XX
XX
Bond 20007 (M2000)
Return To Contents
Capital Guaranteed Cash Fund - SOGB
Objective and strategy
2016 0.47
2015 0.72 ●Australian Shares 0.0%
2014 0.63 ●International Shares 0.0%
2013 1.10 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 2.00 ●Alternatives°° 0.0%
5 years (%p.a.) 0.98 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.82 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Managed Growth Fund - SOMB
Objective and strategy
2016 1.14
2015 6.67 ●Australian Shares 26.2%
2014 9.81 ●International Shares 26.5%
2013 11.13 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 1.04 ●Alternatives°° 18.1%
5 years (%p.a.) 5.88 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.68 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
26
XX
XX
X X
XX
XX
Easy Saver, Easy Saver Plus7 (EASYSAVER, EASYSAVER+)
Capital Guaranteed Fund (Easy Saver) (non-participating)4 - AM
Objective and strategy
2016 1.73
2015 2.42 ●Australian Shares 2.5%
2014 2.94 ●International Shares 6.8%
2013 2.27 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 1.57 ●Alternatives°° 6.4%
5 years (%p.a.) 2.18 ●Fixed Interest°°° 40.8%
10 years (%p.a.) 3.17 ●Cash 43.5%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Fund (Easy Saver Plus) (non-participating)4 - AM
Objective and strategy
2016 1.73
2015 2.42 ●Australian Shares 2.5%
2014 2.94 ●International Shares 6.8%
2013 2.27 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 1.57 ●Alternatives°° 6.4%
5 years (%p.a.) 2.18 ●Fixed Interest°°° 40.8%
10 years (%p.a.) 3.17 ●Cash 43.5%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Cash Fund - VM
Objective and strategy
2016 0.27
2015 0.51 ●Australian Shares 0.0%
2014 0.36 ●International Shares 0.0%
2013 0.95 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 2.16 ●Alternatives°° 0.0%
5 years (%p.a.) 0.85 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.62 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
27
XX
XX
X X
XX
XX
Capital Secure Fund - DM
Objective and strategy
2016 1.59
2015 3.48 ●Australian Shares 10.0%
2014 4.83 ●International Shares 8.4%
2013 4.68 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 2.87 ●Alternatives°° 12.2%
5 years (%p.a.) 3.48 ●Fixed Interest°°° 33.3%
10 years (%p.a.) 2.78 ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Balanced Fund - MM
Objective and strategy
2016 0.86
2015 6.36 ●Australian Shares 26.2%
2014 9.58 ●International Shares 26.5%
2013 10.92 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 0.90 ●Alternatives°° 18.1%
5 years (%p.a.) 5.64 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.48 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Managed Growth Fund (LJ and LM Units) - LM
Objective and strategy
2016 0.86
2015 6.35 ●Australian Shares 26.2%
2014 9.48 ●International Shares 26.5%
2013 11.01 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 0.89 ●Alternatives°° 18.1%
5 years (%p.a.) 5.63 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.48 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
28
XX
XX
X X
XX
XX
Return To Contents
Managed Growth Fund (PJ and PM units) - PM
Objective and strategy
2016 0.86
2015 6.35 ●Australian Shares 26.2%
2014 9.61 ●International Shares 26.5%
2013 10.91 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 0.81 ●Alternatives°° 18.1%
5 years (%p.a.) 5.62 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.48 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
29
XX
XX
X X
XX
XX
LifeWise - Series 4 and 57 (LIFEWISE4, LIFEWISE5)
Capital Guaranteed Fund (non-participating)4 - J
Objective and strategy
2016 0.48
2015 1.17 ●Australian Shares 2.5%
2014 1.68 ●International Shares 6.8%
2013 1.02 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.90 2012 0.37 ●Alternatives°° 6.4%
5 years (%p.a.) 0.94 ●Fixed Interest°°° 40.8%
10 years (%p.a.) 1.94 ●Cash 43.5%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Cash Fund (Series 5) - VP
Objective and strategy
2016 0.00
2015 0.00 ●Australian Shares 0.0%
2014 0.01 ●International Shares 0.0%
2013 0.01 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.90 2012 0.58 ●Alternatives°° 0.0%
5 years (%p.a.) 0.12 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 0.63 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Secure Fund (Series 5) - DP
Objective and strategy
2016 0.31
2015 2.17 ●Australian Shares 10.0%
2014 3.54 ●International Shares 8.4%
2013 3.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.90 2012 1.56 ●Alternatives°° 12.2%
5 years (%p.a.) 2.18 ●Fixed Interest°°° 33.3%
10 years (%p.a.) 1.47 ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
30
XX
XX
X X
XX
XX
Return To Contents
Managed Growth Fund - LP
Objective and strategy
2016 -0.48
2015 4.96 ●Australian Shares 26.2%
2014 8.14 ●International Shares 26.5%
2013 9.54 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.90 2012 -0.33 ●Alternatives°° 18.1%
5 years (%p.a.) 4.28 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 2.22 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
31
XX
XX
X X
XX
XX
LifeLink, LifeLink Plus - Series 2 and 37 (LL1, LL2, LLB3)
Return To Contents
Managed Growth Fund (Lifelink and Series 2) - LL1, LL2
Objective and strategy
2016 2.09
2015 7.66 ●Australian Shares 26.2%
2014 10.88 ●International Shares 26.5%
2013 12.23 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2012 2.05 ●Alternatives°° 18.1%
5 years (%p.a.) 6.90 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 4.70 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Managed Growth Fund (Series 3) - B
Objective and strategy
2016 0.83
2015 6.36 ●Australian Shares 26.2%
2014 9.56 ●International Shares 26.5%
2013 10.97 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 0.89 ●Alternatives°° 18.1%
5 years (%p.a.) 5.64 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.50 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
32
XX
XX
X X
XX
XX
Managed Investment Plan, Managed Savings Plan7 (MIP1, MIP3, MSP)
Return To Contents
Capital Guaranteed Cash Fund (Early Series/Late Series) - OG_PROT, OG_UNPROT
Objective and strategy
2016 0.48
2015 0.69 ●Australian Shares 0.0%
2014 0.62 ●International Shares 0.0%
2013 1.10 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 1.98 ●Alternatives°° 0.0%
5 years (%p.a.) 0.97 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.85 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Managed Growth Fund (Early Series/Late Series) - OM_PROT, OM_UNPROT
Objective and strategy
2016 1.11
2015 6.64 ●Australian Shares 26.2%
2014 9.83 ●International Shares 26.5%
2013 11.13 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 1.03 ●Alternatives°° 18.1%
5 years (%p.a.) 5.86 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.72 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
33
XX
XX
X X
XX
XX
Insurance Bond, Limited Offer Insurance Bond (Capital Guaranteed and Multi Option)7 (IB, IB+, IBLOM, IBLO)
Capital Guaranteed Fund (Limited Offer Multi Option and non-participating)4 - CGIB
Objective and strategy
2016 1.73
2015 2.42 ●Australian Shares 2.5%
2014 2.94 ●International Shares 6.8%
2013 2.27 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 1.57 ●Alternatives°° 6.4%
5 years (%p.a.) 2.18 ●Fixed Interest°°° 40.8%
10 years (%p.a.) 3.14 ●Cash 43.5%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Fund (Limited Offer and non-participating)4 - CGIBLO
Objective and strategy
2016 1.78
2015 2.47 ●Australian Shares 2.5%
2014 2.99 ●International Shares 6.8%
2013 2.32 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.60 2012 1.62 ●Alternatives°° 6.4%
5 years (%p.a.) 2.23 ●Fixed Interest°°° 40.8%
10 years (%p.a.) 3.13 ●Cash 43.5%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Cash Fund (Insurance Bond) - VY
Objective and strategy
2016 0.32
2015 0.64 ●Australian Shares 0.0%
2014 0.46 ●International Shares 0.0%
2013 0.94 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 1.85 ●Alternatives°° 0.0%
5 years (%p.a.) 0.84 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.67 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
34
XX
XX
X X
XX
XX
Return To Contents
Capital Secure Fund - DA
Objective and strategy
2016 1.62
2015 3.48 ●Australian Shares 10.0%
2014 4.83 ●International Shares 8.4%
2013 4.64 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 2.86 ●Alternatives°° 12.2%
5 years (%p.a.) 3.48 ●Fixed Interest°°° 33.3%
10 years (%p.a.) 2.78 ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Balanced Fund - MB
Objective and strategy
2016 0.85
2015 6.36 ●Australian Shares 26.2%
2014 9.53 ●International Shares 26.5%
2013 10.89 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 0.89 ●Alternatives°° 18.1%
5 years (%p.a.) 5.62 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.49 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Managed Growth Fund - LB
Objective and strategy
2016 0.93
2015 6.37 ●Australian Shares 26.2%
2014 9.56 ●International Shares 26.5%
2013 10.91 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 0.99 ●Alternatives°° 18.1%
5 years (%p.a.) 5.67 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.50 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
35
XX
XX
X X
XX
XX
Insurance Bond Series III7 (IB1, IB1+)
Capital Guaranteed Fund (non-participating)4 - CGIB1
Objective and strategy
2016 1.63
2015 2.32 ●Australian Shares 2.5%
2014 2.83 ●International Shares 6.8%
2013 2.17 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2012 1.47 ●Alternatives°° 6.4%
5 years (%p.a.) 2.08 ●Fixed Interest°°° 40.8%
10 years (%p.a.) 3.04 ●Cash 43.5%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Cash Fund - VY1
Objective and strategy
2016 0.20
2015 0.43 ●Australian Shares 0.0%
2014 0.35 ●International Shares 0.0%
2013 0.83 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2012 1.83 ●Alternatives°° 0.0%
5 years (%p.a.) 0.73 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.56 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Secure Fund - DA1
Objective and strategy
2016 1.49
2015 3.38 ●Australian Shares 10.0%
2014 4.79 ●International Shares 8.4%
2013 4.53 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2012 2.80 ●Alternatives°° 12.2%
5 years (%p.a.) 3.39 ●Fixed Interest°°° 33.3%
10 years (%p.a.) 2.69 ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
36
XX
XX
X X
XX
XX
Return To Contents
Balanced Fund - MB1
Objective and strategy
2016 0.55
2015 5.48 ●Australian Shares 26.2%
2014 9.44 ●International Shares 26.5%
2013 10.79 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2012 0.80 ●Alternatives°° 18.1%
5 years (%p.a.) 5.33 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.31 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Managed Growth Fund - PB1
Objective and strategy
2016 0.75
2015 6.31 ●Australian Shares 26.2%
2014 9.44 ●International Shares 26.5%
2013 10.80 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2012 0.80 ●Alternatives°° 18.1%
5 years (%p.a.) 5.53 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.39 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Australian Share Fund - YB1
Objective and strategy
2016 -1.79
2015 1.28 ●Australian Shares 98.7%
2014 10.75 ●International Shares 0.0%
2013 13.55 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2012 -4.70 ●Alternatives°° 0.0%
5 years (%p.a.) 3.57 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.74 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
37
XX
XX
X X
XX
XX
Insurance Bond Series IV7 (IB4, IB4+)
Capital Guaranteed Fund (non-participating)4 - CGIB4
Objective and strategy
2016 2.76
2015 3.83 ●Australian Shares 2.5%
2014 4.18 ●International Shares 6.8%
2013 5.48 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2012 4.41 ●Alternatives°° 6.4%
5 years (%p.a.) 4.13 ●Fixed Interest°°° 40.8%
10 years (%p.a.) 4.63 ●Cash 43.5%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Cash Fund - VY4
Objective and strategy
2016 0.22
2015 0.44 ●Australian Shares 0.0%
2014 0.37 ●International Shares 0.0%
2013 0.85 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2012 3.07 ●Alternatives°° 0.0%
5 years (%p.a.) 0.99 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.73 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Australian Fixed Interest Fund - ZB4
Objective and strategy
2016 2.90
2015 1.95 ●Australian Shares 0.0%
2014 3.68 ●International Shares 0.0%
2013 1.49 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2012 5.31 ●Alternatives°° 0.0%
5 years (%p.a.) 3.06 ●Fixed Interest°°° 99.3%
10 years (%p.a.) 3.17 ●Cash 0.7%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Risk: Low/medium
38
XX
XX
X X
XX
XX
Capital Secure Fund - DA4
Objective and strategy
2016 1.57
2015 3.48 ●Australian Shares 10.0%
2014 4.80 ●International Shares 8.4%
2013 4.57 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2012 2.79 ●Alternatives°° 12.2%
5 years (%p.a.) 3.43 ●Fixed Interest°°° 33.3%
10 years (%p.a.) 2.77 ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Balanced Fund - MB4
Objective and strategy
2016 0.88
2015 6.41 ●Australian Shares 26.2%
2014 9.52 ●International Shares 26.5%
2013 10.84 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2012 0.84 ●Alternatives°° 18.1%
5 years (%p.a.) 5.61 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.49 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Managed Growth Fund - PB4
Objective and strategy
2016 0.90
2015 6.38 ●Australian Shares 26.2%
2014 9.56 ●International Shares 26.5%
2013 10.90 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2012 0.77 ●Alternatives°° 18.1%
5 years (%p.a.) 5.61 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.51 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
39
XX
XX
X X
XX
XX
Return To Contents
Australian Share Fund - YB4
Objective and strategy
2016 -0.77
2015 3.25 ●Australian Shares 98.7%
2014 11.86 ●International Shares 0.0%
2013 15.66 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2012 -4.31 ●Alternatives°° 0.0%
5 years (%p.a.) 4.87 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.55 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
40
XX
XX
X X
XX
XX
Insurance Bond Security Plus7 (IBS+)
Return To Contents
Capital Secure Fund - DA
Objective and strategy
2016 1.62
2015 3.48 ●Australian Shares 10.0%
2014 4.83 ●International Shares 8.4%
2013 4.64 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 2.86 ●Alternatives°° 12.2%
5 years (%p.a.) 3.48 ●Fixed Interest°°° 33.3%
10 years (%p.a.) 2.78 ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
41
XX
XX
X X
XX
XX
Insurance Bond Investment Linked, Insurance Bond Maturity Guaranteed, Insurance Bond Old Series, Insurance Bond Series 17 (IBIL, IBMG, IBOS, IBS1)
Return To Contents
Managed Growth Fund - LB
Objective and strategy
2016 0.93
2015 6.37 ●Australian Shares 26.2%
2014 9.56 ●International Shares 26.5%
2013 10.91 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 0.99 ●Alternatives°° 18.1%
5 years (%p.a.) 5.67 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.50 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
42
XX
XX
X X
XX
XX
Superbridge Series II, Superbridge New Series, Superbridge Investment Linked7 (SBIL, SBNS, SBOS)
Return To Contents
Managed Growth Fund - CS
Objective and strategy
2016 1.55
2015 8.29 ●Australian Shares 26.3%
2014 12.38 ●International Shares 26.6%
2013 14.46 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 1.36 ●Alternatives°° 18.4%
5 years (%p.a.) 7.47 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.79 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
43
XX
XX
X X
XX
XX
Superbridge Deferred Annuity, Trustee Superannuation Bond, Trustee Superannuation Bond (Old Series), Superspan Plus Deferred Annuity7 (SB, TSB, TSBOS, SS+)
Capital Guaranteed Fund (non-participating)4 - CGSB, CGTSB
Objective and strategy
2016 2.85
2015 3.91 ●Australian Shares 2.7%
2014 4.03 ●International Shares 6.7%
2013 3.28 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 2.19 ●Alternatives°° 6.2%
5 years (%p.a.) 3.25 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 3.77 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Cash Fund - UW
Objective and strategy
2016 0.88
2015 1.15 ●Australian Shares 0.0%
2014 1.06 ●International Shares 0.0%
2013 1.66 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 2.66 ●Alternatives°° 0.0%
5 years (%p.a.) 1.48 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.53 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Secure Fund - FG
Objective and strategy
2016 2.55
2015 4.83 ●Australian Shares 10.0%
2014 6.67 ●International Shares 8.6%
2013 6.31 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 3.99 ●Alternatives°° 12.6%
5 years (%p.a.) 4.86 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 3.99 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
44
XX
XX
X X
XX
XX
Return To Contents
Balanced Fund - NS
Objective and strategy
2016 1.55
2015 8.30 ●Australian Shares 26.3%
2014 12.42 ●International Shares 26.6%
2013 14.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 1.37 ●Alternatives°° 18.4%
5 years (%p.a.) 7.48 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.80 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Managed Growth Fund - CS
Objective and strategy
2016 1.55
2015 8.29 ●Australian Shares 26.3%
2014 12.38 ●International Shares 26.6%
2013 14.46 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 1.36 ●Alternatives°° 18.4%
5 years (%p.a.) 7.47 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.79 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
45
XX
XX
X X
XX
XX
Superbridge Deferred Annuity Series III, Trustee Superannuation Bond Series III, Superspan Plus Deferred Annuity Series III7 (SB1, TSB1, TSB1+, SS1+)
Capital Guaranteed Fund (non-participating)4 - CGSB1, CGTSB1
Objective and strategy
2016 2.65
2015 3.71 ●Australian Shares 2.7%
2014 3.83 ●International Shares 6.7%
2013 3.08 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2012 1.99 ●Alternatives°° 6.2%
5 years (%p.a.) 3.05 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 3.58 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Cash Fund - UW1
Objective and strategy
2016 0.68
2015 0.93 ●Australian Shares 0.0%
2014 0.86 ●International Shares 0.0%
2013 1.42 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2012 2.47 ●Alternatives°° 0.0%
5 years (%p.a.) 1.27 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.31 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Australian Fixed Interest Fund - XS1
Objective and strategy
2016 4.10
2015 2.83 ●Australian Shares 0.0%
2014 5.10 ●International Shares 0.0%
2013 2.14 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2012 6.86 ●Alternatives°° 0.0%
5 years (%p.a.) 4.19 ●Fixed Interest°°° 98.5%
10 years (%p.a.) 4.51 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Risk: Low/medium
46
XX
XX
X X
XX
XX
Capital Secure Fund - FG1
Objective and strategy
2016 2.32
2015 4.72 ●Australian Shares 10.0%
2014 6.48 ●International Shares 8.6%
2013 6.09 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2012 3.77 ●Alternatives°° 12.6%
5 years (%p.a.) 4.66 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 3.79 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Balanced Fund - NS1
Objective and strategy
2016 1.26
2015 8.10 ●Australian Shares 26.3%
2014 12.19 ●International Shares 26.6%
2013 14.21 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2012 1.15 ●Alternatives°° 18.4%
5 years (%p.a.) 7.25 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.58 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Managed Growth Fund - QS1
Objective and strategy
2016 1.37
2015 8.08 ●Australian Shares 26.3%
2014 12.21 ●International Shares 26.6%
2013 14.26 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2012 1.13 ●Alternatives°° 18.4%
5 years (%p.a.) 7.27 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.59 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
47
XX
XX
X X
XX
XX
Return To Contents
Australian Share Fund - WS1
Objective and strategy
2016 -0.78
2015 3.97 ●Australian Shares 98.7%
2014 15.17 ●International Shares 0.0%
2013 20.64 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2012 -5.22 ●Alternatives°° 0.0%
5 years (%p.a.) 6.32 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 4.44 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
48
XX
XX
X X
XX
XX
Superbridge Deferred Annuity Series IV, Superspan Plus Deferred Annuity Series IV7 (SB4, SS4+)
Capital Guaranteed Fund (non-participating)4 - CGSB4, CGTSB4
Objective and strategy
2016 2.43
2015 3.85 ●Australian Shares 2.7%
2014 4.54 ●International Shares 6.7%
2013 6.90 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 6.96 ●Alternatives°° 6.2%
5 years (%p.a.) 4.92 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 6.51 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Cash Fund - UW4
Objective and strategy
2016 0.69
2015 0.95 ●Australian Shares 0.0%
2014 0.89 ●International Shares 0.0%
2013 1.47 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 2.49 ●Alternatives°° 0.0%
5 years (%p.a.) 1.30 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.36 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Australian Fixed Interest Fund - XS4
Objective and strategy
2016 4.13
2015 2.87 ●Australian Shares 0.0%
2014 4.99 ●International Shares 0.0%
2013 2.13 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 7.04 ●Alternatives°° 0.0%
5 years (%p.a.) 4.22 ●Fixed Interest°°° 98.5%
10 years (%p.a.) 4.56 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Risk: Low/medium
49
XX
XX
X X
XX
XX
Capital Secure Fund - FG4
Objective and strategy
2016 2.35
2015 4.71 ●Australian Shares 10.0%
2014 6.42 ●International Shares 8.6%
2013 6.11 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 3.77 ●Alternatives°° 12.6%
5 years (%p.a.) 4.66 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 3.81 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Balanced Fund - NS4
Objective and strategy
2016 1.34
2015 8.16 ●Australian Shares 26.3%
2014 12.18 ●International Shares 26.6%
2013 14.25 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 1.12 ●Alternatives°° 18.4%
5 years (%p.a.) 7.27 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.62 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Managed Growth Fund - QS4
Objective and strategy
2016 1.37
2015 8.05 ●Australian Shares 26.3%
2014 12.14 ●International Shares 26.6%
2013 14.23 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 1.15 ●Alternatives°° 18.4%
5 years (%p.a.) 7.25 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.61 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
50
XX
XX
X X
XX
XX
Return To Contents
Australian Share Fund - WS4
Objective and strategy
2016 -0.66
2015 4.09 ●Australian Shares 98.7%
2014 15.23 ●International Shares 0.0%
2013 20.65 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 -5.19 ●Alternatives°° 0.0%
5 years (%p.a.) 6.39 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 4.57 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
51
XX
XX
X X
XX
XX
SuperSpan Limited Offer, SuperSpan II7 (SSLO, SSII)
Return To Contents
Capital Guaranteed Fund (non-participating)4 - CGSSLO
Objective and strategy
2016 2.70
2015 3.76 ●Australian Shares 2.7%
2014 3.88 ●International Shares 6.7%
2013 3.13 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 2.04 ●Alternatives°° 6.2%
5 years (%p.a.) 3.10 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 3.56 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
52
XX
XX
X X
XX
XX
SuperSpan Limited Offer (Multi Option)7 (SSLOM)
Capital Guaranteed Fund (non-participating)4 - CGSB
Objective and strategy
2016 2.85
2015 3.91 ●Australian Shares 2.7%
2014 4.03 ●International Shares 6.7%
2013 3.28 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 2.19 ●Alternatives°° 6.2%
5 years (%p.a.) 3.25 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 3.77 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Cash Fund - UW
Objective and strategy
2016 0.88
2015 1.15 ●Australian Shares 0.0%
2014 1.06 ●International Shares 0.0%
2013 1.66 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 2.66 ●Alternatives°° 0.0%
5 years (%p.a.) 1.48 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.53 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Secure Fund - FG
Objective and strategy
2016 2.55
2015 4.83 ●Australian Shares 10.0%
2014 6.67 ●International Shares 8.6%
2013 6.31 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 3.99 ●Alternatives°° 12.6%
5 years (%p.a.) 4.86 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 3.99 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
53
XX
XX
X X
XX
XX
Return To Contents
Balanced Fund - NS
Objective and strategy
2016 1.55
2015 8.30 ●Australian Shares 26.3%
2014 12.42 ●International Shares 26.6%
2013 14.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 1.37 ●Alternatives°° 18.4%
5 years (%p.a.) 7.48 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.80 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Managed Growth Fund - CS
Objective and strategy
2016 1.55
2015 8.29 ●Australian Shares 26.3%
2014 12.38 ●International Shares 26.6%
2013 14.46 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 1.36 ●Alternatives°° 18.4%
5 years (%p.a.) 7.47 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.79 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
54
XX
XX
X X
XX
XX
SuperSpan II (Multi Option) Deferred Annuity7 (SSIIM)
Capital Guaranteed Cash Fund - UX
Objective and strategy
2016 0.02
2015 0.06 ●Australian Shares 0.0%
2014 0.01 ●International Shares 0.0%
2013 0.57 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.60 2012 1.54 ●Alternatives°° 0.0%
5 years (%p.a.) 0.44 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.44 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Secure Fund - FG
Objective and strategy
2016 2.55
2015 4.83 ●Australian Shares 10.0%
2014 6.67 ●International Shares 8.6%
2013 6.31 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 3.99 ●Alternatives°° 12.6%
5 years (%p.a.) 4.86 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 3.99 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Balanced Fund - NS
Objective and strategy
2016 1.55
2015 8.30 ●Australian Shares 26.3%
2014 12.42 ●International Shares 26.6%
2013 14.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 1.37 ●Alternatives°° 18.4%
5 years (%p.a.) 7.48 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.80 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
55
XX
XX
X X
XX
XX
Return To Contents
Managed Growth Fund - CS
Objective and strategy
2016 1.55
2015 8.29 ●Australian Shares 26.3%
2014 12.38 ●International Shares 26.6%
2013 14.46 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 1.36 ●Alternatives°° 18.4%
5 years (%p.a.) 7.47 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.79 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
56
XX
XX
X X
XX
XX
SuperCash Deferred Annuity7 (SC)
Return To Contents
Capital Guaranteed Cash Fund - UX
Objective and strategy
2016 0.02
2015 0.06 ●Australian Shares 0.0%
2014 0.01 ●International Shares 0.0%
2013 0.57 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.60 2012 1.54 ●Alternatives°° 0.0%
5 years (%p.a.) 0.44 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.44 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
57
XX
XX
X X
XX
XX
Rollover Deferred Annuity, SuperBond7 (RDA, SIB)
Return To Contents
Capital Guaranteed Cash Fund - SSGA
Objective and strategy
2016 0.89
2015 1.14 ●Australian Shares 0.0%
2014 1.06 ●International Shares 0.0%
2013 1.69 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 2.67 ●Alternatives°° 0.0%
5 years (%p.a.) 1.49 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.55 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Managed Fund - SSMA
Objective and strategy
2016 1.61
2015 8.31 ●Australian Shares 26.3%
2014 12.40 ●International Shares 26.6%
2013 14.44 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 1.28 ●Alternatives°° 18.4%
5 years (%p.a.) 7.47 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.81 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Capital Guaranteed Fund (non-participating)4 - CGSB
Objective and strategy
2016 2.85
2015 3.91 ●Australian Shares 2.7%
2014 4.03 ●International Shares 6.7%
2013 3.28 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 2.19 ●Alternatives°° 6.2%
5 years (%p.a.) 3.25 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 3.77 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
58
XX
XX
X X
XX
XX
SuperBond 20007 (S2000)
Return To Contents
Capital Guaranteed Cash Fund - SSGB
Objective and strategy
2016 0.89
2015 1.14 ●Australian Shares 0.0%
2014 1.06 ●International Shares 0.0%
2013 1.67 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 2.66 ●Alternatives°° 0.0%
5 years (%p.a.) 1.48 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.54 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Managed Growth Fund - SSMB
Objective and strategy
2016 1.39
2015 7.15 ●Australian Shares 26.3%
2014 11.74 ●International Shares 26.6%
2013 13.09 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 2.24 ●Alternatives°° 18.4%
5 years (%p.a.) 7.01 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.52 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
59
XX
XX
X X
XX
XX
TAP Allocated Annuity7 (TAE2E, TAE2E+)
Capital Guaranteed Fund (non-participating)4 - KST2
Objective and strategy
2016 1.95
2015 2.78 ●Australian Shares 2.6%
2014 3.68 ●International Shares 7.1%
2013 5.42 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 4.84 ●Alternatives°° 6.4%
5 years (%p.a.) 3.72 ●Fixed Interest°°° 40.1%
10 years (%p.a.) 5.78 ●Cash 43.8%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Cash Fund - UWT2
Objective and strategy
2016 1.13
2015 1.46 ●Australian Shares 0.0%
2014 1.34 ●International Shares 0.0%
2013 2.03 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 3.28 ●Alternatives°° 0.0%
5 years (%p.a.) 1.84 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.06 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Australian Fixed Interest Fund - XST2
Objective and strategy
2016 5.00
2015 3.59 ●Australian Shares 0.0%
2014 6.22 ●International Shares 0.0%
2013 2.86 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 8.51 ●Alternatives°° 0.0%
5 years (%p.a.) 5.22 ●Fixed Interest°°° 98.7%
10 years (%p.a.) 5.81 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Risk: Low/medium
60
XX
XX
X X
XX
XX
Capital Secure Fund - FGT2
Objective and strategy
2016 3.19
2015 5.68 ●Australian Shares 10.7%
2014 7.62 ●International Shares 9.0%
2013 7.31 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 4.74 ●Alternatives°° 11.0%
5 years (%p.a.) 5.70 ●Fixed Interest°°° 34.1%
10 years (%p.a.) 4.82 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Balanced Fund - NST2
Objective and strategy
2016 1.84
2015 9.57 ●Australian Shares 26.9%
2014 14.08 ●International Shares 27.1%
2013 16.56 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 2.15 ●Alternatives°° 17.1%
5 years (%p.a.) 8.67 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 5.26 ●Cash 15.8%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Managed Growth Fund - QST2
Objective and strategy
2016 1.84
2015 9.56 ●Australian Shares 26.9%
2014 14.08 ●International Shares 27.1%
2013 16.57 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 2.13 ●Alternatives°° 17.1%
5 years (%p.a.) 8.67 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 5.24 ●Cash 15.8%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
61
XX
XX
X X
XX
XX
Return To Contents
Australian Share Fund - WST2
Objective and strategy
2016 -0.41
2015 4.89 ●Australian Shares 98.5%
2014 16.85 ●International Shares 0.0%
2013 23.44 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 -5.29 ●Alternatives°° 0.0%
5 years (%p.a.) 7.37 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 4.74 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
62
XX
XX
X X
XX
XX
Superannuation LifeBuilder, Wealth Portfolio, Superplan, SuperFlex7,8 (LB, WP, SUPER1NI, SUPER2NI)
Capital Stable Primary Fund (Wealth Portfolio) - CAPS
Objective and strategy
2016 -0.91
2015 1.24 ●Australian Shares 10.0%
2014 3.05 ●International Shares 8.6%
2013 2.78 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 4.85 2012 0.55 ●Alternatives°° 12.6%
5 years (%p.a.) 1.33 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 0.51 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Stable Growth Fund (Wealth Portfolio) - CAPGS
Objective and strategy
2016 2.16
2015 4.38 ●Australian Shares 10.0%
2014 6.25 ●International Shares 8.6%
2013 5.95 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 3.66 ●Alternatives°° 12.6%
5 years (%p.a.) 4.47 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 3.62 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Stable Growth Plus Fund - CAPGPS
Objective and strategy
2016 2.63
2015 4.95 ●Australian Shares 10.0%
2014 6.73 ●International Shares 8.6%
2013 6.41 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 4.03 ●Alternatives°° 12.6%
5 years (%p.a.) 4.94 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 4.08 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
63
XX
XX
X X
XX
XX
Balanced Primary Fund (Wealth Portfolio) - BALS
Objective and strategy
2016 -1.83
2015 4.67 ●Australian Shares 26.3%
2014 8.53 ●International Shares 26.6%
2013 10.68 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 4.85 2012 -2.03 ●Alternatives°° 18.4%
5 years (%p.a.) 3.87 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 1.29 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Balanced Growth Fund (Wealth Portfolio) - BALGS
Objective and strategy
2016 1.21
2015 7.91 ●Australian Shares 26.3%
2014 11.90 ●International Shares 26.6%
2013 14.09 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 1.00 ●Alternatives°° 18.4%
5 years (%p.a.) 7.09 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.43 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Balanced Growth Plus Fund - BALGPS
Objective and strategy
2016 1.65
2015 8.40 ●Australian Shares 26.3%
2014 12.50 ●International Shares 26.6%
2013 14.55 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 1.40 ●Alternatives°° 18.4%
5 years (%p.a.) 7.56 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.89 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
64
XX
XX
X X
XX
XX
Equity Profile Primary Fund (Wealth Portfolio) - EQPS
Objective and strategy
2016 -2.29
2015 5.52 ●Australian Shares 32.3%
2014 9.90 ●International Shares 33.6%
2013 13.22 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 4.85 2012 -3.05 ●Alternatives°° 20.1%
5 years (%p.a.) 4.46 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 1.47 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Equity Profile Growth Fund (Wealth Portfolio) - EQPGS
Objective and strategy
2016 0.74
2015 8.78 ●Australian Shares 32.3%
2014 13.32 ●International Shares 33.6%
2013 16.71 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 -0.05 ●Alternatives°° 20.1%
5 years (%p.a.) 7.69 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 4.61 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Equity Profile Growth Plus Fund - EQPGPS
Objective and strategy
2016 1.16
2015 9.25 ●Australian Shares 32.3%
2014 13.87 ●International Shares 33.6%
2013 17.19 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 0.30 ●Alternatives°° 20.1%
5 years (%p.a.) 8.15 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 5.06 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
65
XX
XX
X X
XX
XX
Return To Contents
Capital Guaranteed - CGSUP5
Objective and strategy
2016 4.31
2015 4.68 ●Australian Shares 2.6%
2014 4.33 ●International Shares 7.0%
2013 3.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.00 ●Alternatives°° 10.2%
5 years (%p.a.) 4.19 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 4.72 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed (Wealth Portfolio) - CGSUP1
Objective and strategy
2016 4.31
2015 4.68 ●Australian Shares 2.6%
2014 4.33 ●International Shares 7.0%
2013 3.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.00 ●Alternatives°° 10.2%
5 years (%p.a.) 4.19 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 4.72 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
66
XX
XX
X X
XX
XX
Pru-Plan Superannuation "Unit-Linked", PruPlan Superannuation "PruLink"8 (PRUPLANEQU, PRUPLANUL)
Equity Link Balanced Fund - PLAN6S
Objective and strategy
2016 1.08
2015 7.77 ●Australian Shares 26.3%
2014 11.94 ●International Shares 26.6%
2013 14.03 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 0.99 ●Alternatives°° 18.4%
5 years (%p.a.) 7.03 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.29 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Pru-Plan Unit Linked Balanced Fund - PLAN5S
Objective and strategy
2016 1.18
2015 7.92 ●Australian Shares 26.3%
2014 12.03 ●International Shares 26.6%
2013 14.12 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 0.99 ●Alternatives°° 18.4%
5 years (%p.a.) 7.11 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.33 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Capital Stable Growth Fund - CAPGS
Objective and strategy
2016 2.16
2015 4.38 ●Australian Shares 10.0%
2014 6.25 ●International Shares 8.6%
2013 5.95 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 3.66 ●Alternatives°° 12.6%
5 years (%p.a.) 4.47 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 3.62 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
67
XX
XX
X X
XX
XX
Return To Contents
Equity Profile Growth Fund - EQPGS
Objective and strategy
2016 0.74
2015 8.78 ●Australian Shares 32.3%
2014 13.32 ●International Shares 33.6%
2013 16.71 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 -0.05 ●Alternatives°° 20.1%
5 years (%p.a.) 7.69 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 4.61 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Guaranteed - CGSUP1
Objective and strategy
2016 4.31
2015 4.68 ●Australian Shares 2.6%
2014 4.33 ●International Shares 7.0%
2013 3.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.00 ●Alternatives°° 10.2%
5 years (%p.a.) 4.19 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 4.72 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
68
XX
XX
X X
XX
XX
Pruplan Plus (PRUPLAN+)
Capital Stable Growth Plus Fund - CAPGPS
Objective and strategy
2016 2.63
2015 4.95 ●Australian Shares 10.0%
2014 6.73 ●International Shares 8.6%
2013 6.41 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 4.03 ●Alternatives°° 12.6%
5 years (%p.a.) 4.94 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 4.08 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Stable Growth Fund - CAPGS
Objective and strategy
2016 2.16
2015 4.38 ●Australian Shares 10.0%
2014 6.25 ●International Shares 8.6%
2013 5.95 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 3.66 ●Alternatives°° 12.6%
5 years (%p.a.) 4.47 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 3.62 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Balanced Growth Plus Fund - BALGPS
Objective and strategy
2016 1.65
2015 8.40 ●Australian Shares 26.3%
2014 12.50 ●International Shares 26.6%
2013 14.55 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 1.40 ●Alternatives°° 18.4%
5 years (%p.a.) 7.56 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.89 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
69
XX
XX
X X
XX
XX
Balanced Growth Fund - BALGS
Objective and strategy
2016 1.21
2015 7.91 ●Australian Shares 26.3%
2014 11.90 ●International Shares 26.6%
2013 14.09 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 1.00 ●Alternatives°° 18.4%
5 years (%p.a.) 7.09 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.43 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Equity Profile Growth Plus Fund - EQPGPS
Objective and strategy
2016 1.16
2015 9.25 ●Australian Shares 32.3%
2014 13.87 ●International Shares 33.6%
2013 17.19 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 0.30 ●Alternatives°° 20.1%
5 years (%p.a.) 8.15 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 5.06 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Equity Profile Growth Fund - EQPGS
Objective and strategy
2016 0.74
2015 8.78 ●Australian Shares 32.3%
2014 13.32 ●International Shares 33.6%
2013 16.71 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 -0.05 ●Alternatives°° 20.1%
5 years (%p.a.) 7.69 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 4.61 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
70
XX
XX
X X
XX
XX
Return To Contents
Capital Guaranteed - CGSUP1
Objective and strategy
2016 4.31
2015 4.68 ●Australian Shares 2.6%
2014 4.33 ●International Shares 7.0%
2013 3.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.00 ●Alternatives°° 10.2%
5 years (%p.a.) 4.19 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 4.72 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed - Primary - CGSUP2
Objective and strategy
2016 1.30
2015 1.68 ●Australian Shares 2.6%
2014 1.32 ●International Shares 7.0%
2013 0.62 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 1.00 ●Alternatives°° 10.2%
5 years (%p.a.) 1.18 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 1.71 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed - CGSUP5
Objective and strategy
2016 4.31
2015 4.68 ●Australian Shares 2.6%
2014 4.33 ●International Shares 7.0%
2013 3.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.00 ●Alternatives°° 10.2%
5 years (%p.a.) 4.19 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 4.72 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
71
XX
XX
X X
XX
XX
Pruplan (MK1 and MK2) (PRUPLAN1, PRUPLAN2)
Return To Contents
Capital Guaranteed - CGSUP1
Objective and strategy
2016 4.31
2015 4.68 ●Australian Shares 2.6%
2014 4.33 ●International Shares 7.0%
2013 3.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.00 ●Alternatives°° 10.2%
5 years (%p.a.) 4.19 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 4.72 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed (MK2) - CGSUP3
Objective and strategy
2016 0.00
2015 0.00 ●Australian Shares 2.6%
2014 0.00 ●International Shares 7.0%
2013 0.00 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 0.00 ●Alternatives°° 10.2%
5 years (%p.a.) 0.00 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 0.13 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed - CGSUP4
Objective and strategy
2016 4.31
2015 4.68 ●Australian Shares 2.6%
2014 4.33 ●International Shares 7.0%
2013 3.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.00 ●Alternatives°° 10.2%
5 years (%p.a.) 4.19 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 4.72 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
72
XX
XX
X X
XX
XX
Superannuation Bond (Capital Guaranteed Bond), Deferred Annuity (XAETBNDS, AETDEFANN)
Return To Contents
Capital Guaranteed - CGSUP1
Objective and strategy
2016 4.31
2015 4.68 ●Australian Shares 2.6%
2014 4.33 ●International Shares 7.0%
2013 3.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.00 ●Alternatives°° 10.2%
5 years (%p.a.) 4.19 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 4.72 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
73
XX
XX
X X
XX
XX
Superannuation Bond (Managed PruBond)7,8, Roll-Over Plan Goldseal7 (PRUBONDM, GSC)
Balanced Fund - BOND5S
Objective and strategy
2016 1.66
2015 8.40 ●Australian Shares 26.3%
2014 12.49 ●International Shares 26.6%
2013 14.46 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 1.50 ●Alternatives°° 18.4%
5 years (%p.a.) 7.57 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.90 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Capital Guaranteed Cash Fund - SCPFSG
Objective and strategy
2016 0.99
2015 1.24 ●Australian Shares 0.0%
2014 1.16 ●International Shares 0.0%
2013 1.76 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 2.76 ●Alternatives°° 0.0%
5 years (%p.a.) 1.58 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.63 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Stable Fund - SCPSSG
Objective and strategy
2016 2.63
2015 4.94 ●Australian Shares 10.0%
2014 6.72 ●International Shares 8.6%
2013 6.40 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 4.08 ●Alternatives°° 12.6%
5 years (%p.a.) 4.94 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 4.08 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
74
XX
XX
X X
XX
XX
Return To Contents
Equity Profile Fund - SEPSG
Objective and strategy
2016 1.18
2015 9.27 ●Australian Shares 32.3%
2014 13.89 ●International Shares 33.6%
2013 17.21 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 0.39 ●Alternatives°° 20.1%
5 years (%p.a.) 8.18 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 5.08 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Guaranteed - CGSUP1
Objective and strategy
2016 4.31
2015 4.68 ●Australian Shares 2.6%
2014 4.33 ●International Shares 7.0%
2013 3.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.00 ●Alternatives°° 10.2%
5 years (%p.a.) 4.19 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 4.72 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
75
XX
XX
X X
XX
XX
Superannuation Bond (Multi-Bond)7,8 (INVBOND1)
Balanced Fund - BALI-S
Objective and strategy
2016 1.19
2015 7.90 ●Australian Shares 26.3%
2014 11.97 ●International Shares 26.6%
2013 14.09 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 1.07 ●Alternatives°° 18.4%
5 years (%p.a.) 7.11 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.43 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Capital Guaranteed Cash Fund - CAPFSG
Objective and strategy
2016 0.54
2015 0.78 ●Australian Shares 0.0%
2014 0.71 ●International Shares 0.0%
2013 1.31 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 2.30 ●Alternatives°° 0.0%
5 years (%p.a.) 1.13 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.17 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Stable Fund ('91) - CAPSSG
Objective and strategy
2016 2.17
2015 4.47 ●Australian Shares 10.0%
2014 6.25 ●International Shares 8.6%
2013 5.95 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 3.62 ●Alternatives°° 12.6%
5 years (%p.a.) 4.48 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 3.62 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
76
XX
XX
X X
XX
XX
Return To Contents
Equity Profile Fund - EPSG
Objective and strategy
2016 0.75
2015 8.77 ●Australian Shares 32.3%
2014 13.40 ●International Shares 33.6%
2013 16.77 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 -0.10 ●Alternatives°° 20.1%
5 years (%p.a.) 7.71 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 4.61 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Guaranteed - CGSUP1
Objective and strategy
2016 4.31
2015 4.68 ●Australian Shares 2.6%
2014 4.33 ●International Shares 7.0%
2013 3.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.00 ●Alternatives°° 10.2%
5 years (%p.a.) 4.19 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 4.72 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
77
XX
XX
X X
XX
XX
Roll-Over Plan 'S' Series ('91 and '92), Superannuation Bond "S" Series ('91 and '92)7,8 (ROLLOVER, ROLLOVER92, SBOND-S92, SBOND-S)
Capital Guaranteed Cash Fund - SCPFSG
Objective and strategy
2016 0.99
2015 1.24 ●Australian Shares 0.0%
2014 1.16 ●International Shares 0.0%
2013 1.76 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 2.76 ●Alternatives°° 0.0%
5 years (%p.a.) 1.58 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.63 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Stable Fund ('91) - SCPSSG
Objective and strategy
2016 2.63
2015 4.94 ●Australian Shares 10.0%
2014 6.72 ●International Shares 8.6%
2013 6.40 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 4.08 ●Alternatives°° 12.6%
5 years (%p.a.) 4.94 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 4.08 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Stable Fund ('92) - SCS2SG
Objective and strategy
2016 2.63
2015 4.93 ●Australian Shares 10.0%
2014 6.72 ●International Shares 8.6%
2013 6.41 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 4.08 ●Alternatives°° 12.6%
5 years (%p.a.) 4.94 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 4.08 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
78
XX
XX
X X
XX
XX
Return To Contents
Balanced Fund - SBALSG
Objective and strategy
2016 1.66
2015 8.40 ●Australian Shares 26.3%
2014 12.49 ●International Shares 26.6%
2013 14.57 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 1.45 ●Alternatives°° 18.4%
5 years (%p.a.) 7.58 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.90 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Equity Profile Fund - SEPSG
Objective and strategy
2016 1.18
2015 9.27 ●Australian Shares 32.3%
2014 13.89 ●International Shares 33.6%
2013 17.21 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 0.39 ●Alternatives°° 20.1%
5 years (%p.a.) 8.18 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 5.08 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Guaranteed (Superannuation Bond "S" Series) - CGSUP1
Objective and strategy
2016 4.31
2015 4.68 ●Australian Shares 2.6%
2014 4.33 ●International Shares 7.0%
2013 3.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.00 ●Alternatives°° 10.2%
5 years (%p.a.) 4.19 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 4.72 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
79
XX
XX
X X
XX
XX
Roll-over Plan ('91 and '92), Superannuation Bond ('91 and '92)7,8 (ROLLOVER, ROLLOVER92, BOND-S, BOND-S92)
Balanced Fund - BALASG
Objective and strategy
2016 1.20
2015 7.93 ●Australian Shares 26.3%
2014 12.00 ●International Shares 26.6%
2013 14.10 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 1.00 ●Alternatives°° 18.4%
5 years (%p.a.) 7.11 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.43 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Capital Guaranteed Cash Fund - CAPFSG
Objective and strategy
2016 0.54
2015 0.78 ●Australian Shares 0.0%
2014 0.71 ●International Shares 0.0%
2013 1.31 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 2.30 ●Alternatives°° 0.0%
5 years (%p.a.) 1.13 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.17 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Stable Fund ('91) - CAPSSG
Objective and strategy
2016 2.17
2015 4.47 ●Australian Shares 10.0%
2014 6.25 ●International Shares 8.6%
2013 5.95 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 3.62 ●Alternatives°° 12.6%
5 years (%p.a.) 4.48 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 3.62 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
80
XX
XX
X X
XX
XX
Return To Contents
Capital Stable Fund ('92) - CS2SG
Objective and strategy
2016 2.16
2015 4.48 ●Australian Shares 10.0%
2014 6.27 ●International Shares 8.6%
2013 5.97 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 3.61 ●Alternatives°° 12.6%
5 years (%p.a.) 4.49 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 3.62 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Equity Profile Fund - EPSG
Objective and strategy
2016 0.75
2015 8.77 ●Australian Shares 32.3%
2014 13.40 ●International Shares 33.6%
2013 16.77 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 -0.10 ●Alternatives°° 20.1%
5 years (%p.a.) 7.71 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 4.61 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Guaranteed - CGSUP1
Objective and strategy
2016 4.31
2015 4.68 ●Australian Shares 2.6%
2014 4.33 ●International Shares 7.0%
2013 3.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.00 ●Alternatives°° 10.2%
5 years (%p.a.) 4.19 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 4.72 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
81
XX
XX
X X
XX
XX
Rollover and Super Bond 937,8 (ROLLOVER93, SB93)
Cash Fund - FI93SG
Objective and strategy
2016 0.45
2015 0.68 ●Australian Shares 0.0%
2014 0.61 ●International Shares 0.0%
2013 1.20 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2012 2.19 ●Alternatives°° 0.0%
5 years (%p.a.) 1.02 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.07 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Stable Fund - CS93SG
Objective and strategy
2016 2.07
2015 4.39 ●Australian Shares 10.0%
2014 6.14 ●International Shares 8.6%
2013 5.85 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2012 3.52 ●Alternatives°° 12.6%
5 years (%p.a.) 4.38 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 3.53 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Balanced Fund - B93SG
Objective and strategy
2016 1.11
2015 7.81 ●Australian Shares 26.3%
2014 11.78 ●International Shares 26.6%
2013 13.97 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2012 0.92 ●Alternatives°° 18.4%
5 years (%p.a.) 6.98 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.33 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
82
XX
XX
X X
XX
XX
Return To Contents
Equity Profile Fund - EP93SG
Objective and strategy
2016 0.64
2015 8.65 ●Australian Shares 32.3%
2014 13.27 ●International Shares 33.6%
2013 16.57 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2012 -0.15 ●Alternatives°° 20.1%
5 years (%p.a.) 7.59 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 4.50 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Guaranteed - CGSUP1
Objective and strategy
2016 4.31
2015 4.68 ●Australian Shares 2.6%
2014 4.33 ●International Shares 7.0%
2013 3.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.00 ●Alternatives°° 10.2%
5 years (%p.a.) 4.19 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 4.72 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
83
XX
XX
X X
XX
XX
Personal SuperCARE Bond (PSCB), Personal SuperCARE (PSC), SuperGuaranteeCARE (SGC)8
Return To Contents
Capital Guaranteed Fund (non-participating) (PSCB and PSC)4 - PC
Objective and strategy
2016 2.00
2015 3.06 ●Australian Shares 2.7%
2014 3.18 ●International Shares 6.7%
2013 2.43 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.40 2012 1.34 ●Alternatives°° 6.2%
5 years (%p.a.) 2.40 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 3.02 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Fund (non-participating) (SCG)4 - GC
Objective and strategy
2016 2.00
2015 3.06 ●Australian Shares 2.7%
2014 3.18 ●International Shares 6.7%
2013 2.43 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.40 2012 1.34 ●Alternatives°° 6.2%
5 years (%p.a.) 2.40 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 3.02 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
84
XX
XX
X X
XX
XX
Retirement Saver, Retirement Saver Series 2, Retirement Saver Plus8 (RETIREMENT, RETIREMENT2, RETIREPLUS)
Capital Guaranteed Fund (non-participating)4 - BK
Objective and strategy
2016 2.25
2015 3.38 ●Australian Shares 2.7%
2014 3.54 ●International Shares 6.7%
2013 2.69 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 2.65 ●Alternatives°° 6.2%
5 years (%p.a.) 2.90 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 3.90 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Cash Fund - UK
Objective and strategy
2016 0.41
2015 0.67 ●Australian Shares 0.0%
2014 0.70 ●International Shares 0.0%
2013 1.27 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 2.32 ●Alternatives°° 0.0%
5 years (%p.a.) 1.07 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.10 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Secure Fund - FK
Objective and strategy
2016 2.05
2015 4.35 ●Australian Shares 10.0%
2014 6.23 ●International Shares 8.6%
2013 5.90 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 3.61 ●Alternatives°° 12.6%
5 years (%p.a.) 4.42 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 3.61 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
85
XX
XX
X X
XX
XX
Return To Contents
Balanced Fund - NK
Objective and strategy
2016 1.09
2015 7.79 ●Australian Shares 26.3%
2014 11.91 ●International Shares 26.6%
2013 14.04 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 0.98 ●Alternatives°° 18.4%
5 years (%p.a.) 7.03 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.39 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Managed Growth Fund (Retirement Saver) - CK
Objective and strategy
2016 1.08
2015 7.80 ●Australian Shares 26.3%
2014 11.97 ●International Shares 26.6%
2013 14.06 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 0.92 ●Alternatives°° 18.4%
5 years (%p.a.) 7.03 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.38 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Managed Growth Fund (Series 2 and Plus) - QK
Objective and strategy
2016 1.09
2015 7.77 ●Australian Shares 26.3%
2014 11.96 ●International Shares 26.6%
2013 14.02 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2012 0.97 ●Alternatives°° 18.4%
5 years (%p.a.) 7.03 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.39 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
86
XX
XX
X X
XX
XX
SuperWise - Series 4 and 58 (SUPERWISE4, SUPERWISE5)
Capital Guaranteed Fund (non-participating)4 - K
Objective and strategy
2016 2.00
2015 3.06 ●Australian Shares 2.7%
2014 3.18 ●International Shares 6.7%
2013 2.43 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.85 2012 1.34 ●Alternatives°° 6.2%
5 years (%p.a.) 2.40 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 2.97 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Cash Fund (Series 5) - UQ
Objective and strategy
2016 0.01
2015 0.03 ●Australian Shares 0.0%
2014 0.00 ●International Shares 0.0%
2013 0.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.85 2012 1.33 ●Alternatives°° 0.0%
5 years (%p.a.) 0.34 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.26 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Secure Fund (Series 5) - FQ
Objective and strategy
2016 1.04
2015 3.32 ●Australian Shares 10.0%
2014 5.19 ●International Shares 8.6%
2013 4.86 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.85 2012 2.59 ●Alternatives°° 12.6%
5 years (%p.a.) 3.39 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 2.55 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
87
XX
XX
X X
XX
XX
Return To Contents
Managed Growth Fund - CQ
Objective and strategy
2016 0.18
2015 6.82 ●Australian Shares 26.3%
2014 10.87 ●International Shares 26.6%
2013 12.93 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.85 2012 -0.01 ●Alternatives°° 18.4%
5 years (%p.a.) 6.02 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 3.40 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
88
XX
XX
X X
XX
XX
SuperLink, SuperLink Plus - Series 2 and 38 (SL1, SL2, SLS3)
Return To Contents
Managed Growth Fund (Superlink and Series 2) - CL
Objective and strategy
2016 2.60
2015 9.41 ●Australian Shares 26.3%
2014 13.52 ●International Shares 26.6%
2013 15.58 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.48 2012 2.35 ●Alternatives°° 18.4%
5 years (%p.a.) 8.56 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 5.86 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Managed Growth Fund (Series 3) - S
Objective and strategy
2016 1.45
2015 8.17 ●Australian Shares 26.3%
2014 12.29 ●International Shares 26.6%
2013 14.44 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 1.35 ●Alternatives°° 18.4%
5 years (%p.a.) 7.40 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.76 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
89
XX
XX
X X
XX
XX
Managed Investment SuperPlan, Managed Personal SuperPlan7,8 (MIP1, MIP3, MISPP)
Return To Contents
Capital Guaranteed Cash Fund (Early Series/Late Series) - SG_PROT, SG_UNPROT
Objective and strategy
2016 0.90
2015 1.14 ●Australian Shares 0.0%
2014 1.08 ●International Shares 0.0%
2013 1.68 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 2.66 ●Alternatives°° 0.0%
5 years (%p.a.) 1.49 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.54 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Managed Growth Fund (Early Series/Late Series) - SM_PROT, SM_UNPROT
Objective and strategy
2016 1.60
2015 8.32 ●Australian Shares 26.3%
2014 12.39 ●International Shares 26.6%
2013 14.47 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 1.32 ●Alternatives°° 18.4%
5 years (%p.a.) 7.49 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.82 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
90
XX
XX
X X
XX
XX
SuperUnits8 (SU)
Return To Contents
Managed Growth Fund - SU
Objective and strategy
2016 2.61
2015 9.42 ●Australian Shares 26.3%
2014 13.42 ●International Shares 26.6%
2013 15.63 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.48* 2012 2.40 ●Alternatives°° 18.4%
5 years (%p.a.) 8.56 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 5.86 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
91
XX
XX
X X
XX
XX
CPSL Wholesale Superannuation Business7 (PRUES)
Capital Safe Fund - SCAPSF, SCAPSF03
Objective and strategy
2016 3.44
2015 5.77 ●Australian Shares 10.0%
2014 7.52 ●International Shares 8.6%
2013 7.30 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2012 4.89 ●Alternatives°° 12.6%
5 years (%p.a.) 5.77 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 4.89 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Capital Guaranteed Fund (non-participating)4 - SCOLFG
Objective and strategy
2016 3.85
2015 4.91 ●Australian Shares 2.7%
2014 5.04 ●International Shares 6.7%
2013 4.28 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2012 3.19 ●Alternatives°° 6.2%
5 years (%p.a.) 4.25 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 4.74 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
92
XX
XX
X X
XX
XX
Balanced Fund - SDISCR
Objective and strategy
2016 2.51
2015 9.26 ●Australian Shares 26.3%
2014 13.37 ●International Shares 26.6%
2013 15.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2012 2.21 ●Alternatives°° 18.4%
5 years (%p.a.) 8.42 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 5.71 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Growth Fund - SGRWTH
Objective and strategy
2016 1.87
2015 9.96 ●Australian Shares 32.3%
2014 14.76 ●International Shares 33.6%
2013 18.08 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2012 1.16 ●Alternatives°° 20.1%
5 years (%p.a.) 8.96 ●Fixed Interest°°° 2.8%
10 years (%p.a.) 5.85 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Guaranteed Cash Fund - SPACAS
Objective and strategy
2016 2.16
2015 2.41 ●Australian Shares 0.0%
2014 2.33 ●International Shares 0.0%
2013 2.94 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.25 2012 3.95 ●Alternatives°° 0.0%
5 years (%p.a.) 2.76 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.82 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
93
XX
XX
X X
XX
XX
Return To Contents
Australian Equity Fund - SPAEQU
Objective and strategy
2016 0.41
2015 5.17 ●Australian Shares 98.7%
2014 16.48 ●International Shares 0.0%
2013 21.87 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2012 -4.13 ●Alternatives°° 0.0%
5 years (%p.a.) 7.52 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 5.64 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Australian Fixed Interest Fund - SPAFIX
Objective and strategy
2016 5.25
2015 3.96 ●Australian Shares 0.0%
2014 6.17 ●International Shares 0.0%
2013 3.31 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2012 8.24 ●Alternatives°° 0.0%
5 years (%p.a.) 5.37 ●Fixed Interest°°° 98.5%
10 years (%p.a.) 5.74 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Risk: Low/medium
International Equity Fund - SPIEQU
Objective and strategy
2016 -1.49
2015 14.48 ●Australian Shares 0.0%
2014 18.60 ●International Shares 98.8%
2013 26.55 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2012 -1.04 ●Alternatives°° 0.0%
5 years (%p.a.) 10.87 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 4.20 ●Cash 1.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investments
in global listed company shares. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
94
XX
XX
X X
XX
XX
CPSL Wholesale Exempt Business7 (PRUINO)
Capital Safe Fund - ECAPSF, ECAPSF03, FECAPSF
Objective and strategy
2016 4.34
2015 6.82 ●Australian Shares 10.7%
2014 8.78 ●International Shares 9.0%
2013 8.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2012 5.88 ●Alternatives°° 11.0%
5 years (%p.a.) 6.84 ●Fixed Interest°°° 34.1%
10 years (%p.a.) 5.93 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Balanced Fund - EDISCR, FEDISCR
Objective and strategy
2016 2.97
2015 10.76 ●Australian Shares 26.9%
2014 15.28 ●International Shares 27.1%
2013 17.80 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2012 3.24 ●Alternatives°° 17.1%
5 years (%p.a.) 9.84 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 6.38 ●Cash 15.8%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
95
XX
XX
X X
XX
XX
Growth Fund - EGRWTH, FEGRWTH
Objective and strategy
2016 2.29
2015 11.37 ●Australian Shares 32.3%
2014 16.81 ●International Shares 33.8%
2013 20.65 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2012 1.69 ●Alternatives°° 19.9%
5 years (%p.a.) 10.30 ●Fixed Interest°°° 2.9%
10 years (%p.a.) 6.40 ●Cash 11.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Guaranteed Cash Fund - EPACAS, FEPACAS
Objective and strategy
2016 2.45
2015 2.79 ●Australian Shares 0.0%
2014 2.78 ●International Shares 0.0%
2013 3.48 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.25 2012 4.71 ●Alternatives°° 0.0%
5 years (%p.a.) 3.24 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 4.49 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Australian Equity Fund - EPAEQU, FEPAEQU
Objective and strategy
2016 0.70
2015 6.09 ●Australian Shares 98.5%
2014 18.11 ●International Shares 0.0%
2013 24.77 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2012 -4.27 ●Alternatives°° 0.0%
5 years (%p.a.) 8.55 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 5.89 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
96
XX
XX
X X
XX
XX
Return To Contents
Australian Fixed Interest Fund - EPAFIX, FEPAFIX
Objective and strategy
2016 6.11
2015 4.71 ●Australian Shares 0.0%
2014 7.49 ●International Shares 0.0%
2013 4.06 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2012 9.83 ●Alternatives°° 0.0%
5 years (%p.a.) 6.42 ●Fixed Interest°°° 98.7%
10 years (%p.a.) 7.04 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Risk: Low/medium
Property Fund - EPAPRO
Objective and strategy
2016 9.58
2015 11.50 ●Australian Shares 0.0%
2014 12.77 ●International Shares 0.0%
2013 13.57 ●Listed Property° 100.2%
Investment management fee (% p.a.)2: 0.80 2012 7.14 ●Alternatives°° 0.0%
5 years (%p.a.) 10.89 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 4.86 ●Cash -0.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
This option is suited to investors seeking the potential of
high long-term growth with some volatility over shorter
time periods.
Asset Allocation at 30 June 20161
Risk: High
International Equity Fund - EPIEQU, FEPIEQU
Objective and strategy
2016 -1.56
2015 16.58 ●Australian Shares 0.0%
2014 20.27 ●International Shares 98.6%
2013 27.92 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2012 0.59 ●Alternatives°° 0.0%
5 years (%p.a.) 12.17 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 4.92 ●Cash 1.4%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investments
in global listed company shares. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
97
XX
XX
X X
XX
XX
CPSL Wholesale Non Superannuation Business7 (PRUINO)
Return To Contents
Balanced Fund - ODISCR
Objective and strategy
2016 1.98
2015 7.55 ●Australian Shares 26.2%
2014 10.76 ●International Shares 26.5%
2013 12.07 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2012 1.97 ●Alternatives°° 18.1%
5 years (%p.a.) 6.78 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 4.57 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
98
XX
XX
X X
XX
XX
CPSL Wholesale Superannuation Business (SGIC Business Class Superannuation)7 (PRUINO)
Return To Contents
Capital Guaranteed Fund (non-participating)4 - SGICCG
Objective and strategy
2016 2.81
2015 3.90 ●Australian Shares 2.7%
2014 3.45 ●International Shares 6.7%
2013 6.21 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2012 5.61 ●Alternatives°° 6.2%
5 years (%p.a.) 4.39 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 5.59 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
99
XX
XX
X X
XX
XX
Personal Super Umbrella Investment Plan7,8 and Personal Super Umbrella Financial Plan7,8 (X10, X11, X12)
Capital Guaranteed Cash Fund - 2CSU
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -6.07 0.44
2015 -5.80 0.68 ●Australian Shares 0.0%
2014 -5.93 0.59 ●International Shares0.0%
2013 -5.32 1.19●Listed Property
0.0%
Investment management fee (% p.a.)2:
Initial units: 8.40*
Investment Units: 1.95*
2012 -4.38 2.21 ●Alternatives 0.0%
5 years (%p.a.) -5.50 1.02 ●Fixed Interest 0.0%
10 years (%p.a.) -4.49 2.09 ●Cash 100.0%Risk: Very Low
Asset Allocation at 30 June 20161
To provide the highest level of security with income
from investments in money market securities. This
option is suited to investors who want a high
degree of security.
Capital Guaranteed Fund 3 - 1SUU
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -0.70 5.31
2015 -0.40 5.63 ●Australian Shares 2.6%
2014 -0.70 5.34 ●International Shares7.0%
2013 -1.62 4.31●Listed Property
0.0%
Investment management fee (% p.a.)2:
Initial units: N/A**
Investment Units: N/A**
2012 -1.13 4.85 ●Alternatives 10.2%
5 years (%p.a.) -0.91 5.09 ●Fixed Interest 71.3%
10 years (%p.a.) -0.13 5.91 ●Cash 8.9%Risk: Low/medium
Asset Allocation at 30 June 20161
To provide crediting rates, before tax and fees, in
excess of inflation over rolling 3 year periods and
provide security of capital. This investment option is
suited to investors who want a high degree of
security.
100
XX
XX
X X
XX
XX
Fixed Interest Fund - 2FIU
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -2.84 3.77
2015 -4.01 2.51 ●Australian Shares 0.0%
2014 -2.10 4.57 ●International Shares0.0%
2013 -4.70 1.75●Listed Property
0.0%
Investment management fee (% p.a.)2:
Initial units: 8.40*
Investment Units: 2.05*
2012 -0.15 6.62 ●Alternatives 0.0%
5 years (%p.a.) -2.77 3.83 ●Fixed Interest 98.5%
10 years (%p.a.) -2.44 4.18 ●Cash 1.5%Risk: Low/medium
Asset Allocation at 30 June 20161
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This
option is suited to investors who want a reasonable
level of securty with the potential to provide higher
returns than cash options.
Property Fund - 2PRU
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 1.77 8.40
2015 2.95 9.63 ●Australian Shares 0.0%
2014 2.63 9.34 ●International Shares0.0%
2013 3.34 10.03●Listed Property
99.8%
Investment management fee (% p.a.)2:
Initial units: 8.40*
Investment Units: 2.30*
2012 -1.72 4.66 ●Alternatives 0.0%
5 years (%p.a.) 1.78 8.39 ●Fixed Interest 0.0%
10 years (%p.a.) -3.36 2.92 ●Cash 0.2%Risk: High
Asset Allocation at 30 June 20161
To provide long-term capital growth and income
from a diversified portfolio of global listed property
investments. This option is suited to investors
seeking the potential of high long-term growth with
some volatility over shorter time periods.
101
XX
XX
X X
XX
XX
Stable Fund - 2STU
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -4.50 1.83
2015 -2.33 4.12 ●Australian Shares 10.0%
2014 -0.71 5.89 ●International Shares8.6%
2013 -0.97 5.57●Listed Property
0.0%
Investment management fee (% p.a.)2:
Initial units: 8.40*
Investment Units: 2.20*
2012 -3.11 3.29 ●Alternatives 12.6%
5 years (%p.a.) -2.34 4.13 ●Fixed Interest 33.6%
10 years (%p.a.) -3.10 3.31 ●Cash 35.2%Risk: Low/medium
Asset Allocation at 30 June 20161
To invest in a diversified portfolio of assets
expected to generate a mix of income and long-
term captial growth with an emphasis on stable
returns and a reasonably high level of security.
This option is suited to investors who want returns
that are less volatile than from options with a
greater bias to growth investments.
Managed Fund - 2MGU
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -5.39 0.89
2015 0.88 7.54 ●Australian Shares 26.3%
2014 4.62 11.57 ●International Shares26.6%
2013 6.60 13.63●Listed Property
0.0%
Investment management fee (% p.a.)2:
Initial units: 8.40*
Investment Units: 2.20*
2012 -5.59 0.66 ●Alternatives 18.4%
5 years (%p.a.) 0.10 6.72 ●Fixed Interest 13.1%
10 years (%p.a.) -2.35 4.11 ●Cash 15.6%Risk: Medium/High
Asset Allocation at 30 June 20161
To invest in a diversified portfolio of assets
expected to generate a mix of long-term capital
growth and income, but which may be volatile in
the short-to-medium term. This option is suited to
investors seeking long-term growth who are
prepared to accept some volatility of returns.
102
XX
XX
X X
XX
XX
Return To Contents
Australian Equities Fund - 2EQU
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -7.35 -1.31
2015 -2.87 3.44 ●Australian Shares 98.7%
2014 7.49 14.51 ●International Shares0.0%
2013 12.59 19.89●Listed Property
0.0%
Investment management fee (% p.a.)2:
Initial units: 8.40*
Investment Units: 2.30*
2012 -11.41 -5.66 ●Alternatives 0.0%
5 years (%p.a.) -0.71 5.74 ●Fixed Interest 0.0%
10 years (%p.a.) -2.38 3.96 ●Cash 1.3%Risk: High
Asset Allocation at 30 June 20161
To provide long-term capital growth through
investment in shares of Australian listed company
shares.This option is suited to investors seeking
high returns who are prepared to accept volatility
of returns.
International Equities Fund - 2INU
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -8.91 -2.98
2015 5.86 12.75 ●Australian Shares 0.0%
2014 9.50 16.65 ●International Shares98.8%
2013 16.81 24.37●Listed Property
0.0%
Investment management fee (% p.a.)2:
Initial units: 8.40*
Investment Units: 2.30*
2012 -8.66 -2.72 ●Alternatives 0.0%
5 years (%p.a.) 2.41 9.07 ●Fixed Interest 0.0%
10 years (%p.a.) -3.72 2.53 ●Cash 1.2%Risk: High
Asset Allocation at 30 June 20161
To provide long-term capital growth through
investments in global listed company shares. This
option is suited to investors seeking high returns
who are prepared to accept volatility of returns.
103
XX
XX
X X
XX
XX
Colonial Rollover Bond7, Personal Super Investment Growth Bond7,8 and Super Investment Growth Bond7,8 (E05, E06, E10, E03, E04, E01, E02)
Capital Guaranteed Cash Fund - 2CSH
Objective and strategy
2016 0.70
2015 0.95 ●Australian Shares 0.0%
2014 0.87 ●International Shares 0.0%
2013 1.47 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 2.46 ●Alternatives°° 0.0%
5 years (%p.a.) 1.29 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.36 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Guaranteed Fund 3 - 1SUP
Objective and strategy
2016 5.94
2015 5.67 ●Australian Shares 2.6%
2014 5.81 ●International Shares 7.0%
2013 5.63 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 6.10 ●Alternatives°° 10.2%
5 years (%p.a.) 5.83 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 6.51 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Fixed Interest Fund - 2FIX
Objective and strategy
2016 4.00
2015 2.73 ●Australian Shares 0.0%
2014 4.81 ●International Shares 0.0%
2013 1.98 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85* 2012 6.83 ●Alternatives°° 0.0%
5 years (%p.a.) 4.06 ●Fixed Interest°°° 98.5%
10 years (%p.a.) 4.41 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Risk: Low/medium
104
XX
XX
X X
XX
XX
Property Fund - 2PRP
Objective and strategy
2016 8.71
2015 9.95 ●Australian Shares 0.0%
2014 9.66 ●International Shares 0.0%
2013 10.33 ●Listed Property° 99.8%
Investment management fee (% p.a.)2: 2.05* 2012 4.85 ●Alternatives°° 0.0%
5 years (%p.a.) 8.68 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.19 ●Cash 0.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
This option is suited to investors seeking the potential of
high long-term growth with some volatility over shorter
time periods.
Asset Allocation at 30 June 20161
Risk: High
Stable Fund - 2STB
Objective and strategy
2016 2.09
2015 4.40 ●Australian Shares 10.0%
2014 6.17 ●International Shares 8.6%
2013 5.87 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95* 2012 3.55 ●Alternatives°° 12.6%
5 years (%p.a.) 4.40 ●Fixed Interest°°° 33.6%
10 years (%p.a.) 3.58 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Consensus Stable Fund - 2CST
Objective and strategy
2016 2.25
2015 4.50 ●Australian Shares 10.1%
2014 6.24 ●International Shares 8.9%
2013 6.17 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85* 2012 3.46 ●Alternatives°° 11.7%
5 years (%p.a.) 4.51 ●Fixed Interest°°° 34.0%
10 years (%p.a.) 3.75 ●Cash 35.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
105
XX
XX
X X
XX
XX
Managed Fund - 2MGD
Objective and strategy
2016 1.15
2015 7.83 ●Australian Shares 26.3%
2014 11.87 ●International Shares 26.6%
2013 13.94 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95* 2012 0.90 ●Alternatives°° 18.4%
5 years (%p.a.) 7.00 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.38 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Consensus Managed Fund - 2CMG
Objective and strategy
2016 1.29
2015 8.00 ●Australian Shares 26.3%
2014 12.01 ●International Shares 26.8%
2013 14.13 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85* 2012 0.89 ●Alternatives°° 16.9%
5 years (%p.a.) 7.13 ●Fixed Interest°°° 12.7%
10 years (%p.a.) 4.33 ●Cash 17.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Australian Equities Fund - 2EQY
Objective and strategy
2016 -1.02
2015 3.70 ●Australian Shares 98.7%
2014 14.83 ●International Shares 0.0%
2013 20.24 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.05* 2012 -5.49 ●Alternatives°° 0.0%
5 years (%p.a.) 6.02 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 4.23 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
106
XX
XX
X X
XX
XX
Return To Contents
International Equities Fund - 2INT
Objective and strategy
2016 -2.74
2015 12.98 ●Australian Shares 0.0%
2014 16.95 ●International Shares 98.8%
2013 24.74 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.05* 2012 -2.46 ●Alternatives°° 0.0%
5 years (%p.a.) 9.35 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.78 ●Cash 1.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investments
in global listed company shares. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
107
XX
XX
X X
XX
XX
Colonial Rollover Deposit Plan (E09)
Return To Contents
Capital Guaranteed Fund3 - 1SUP
Objective and strategy
2016 5.94
2015 5.67 ●Australian Shares 2.6%
2014 5.81 ●International Shares 7.0%
2013 5.63 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 6.10 ●Alternatives°° 10.2%
5 years (%p.a.) 5.83 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 6.51 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
108
XX
XX
X X
XX
XX
SGIC Personal Superannuation Bond8 (ED3, EE3, EG3)
Capital Guaranteed Cash Fund - 7SCA
Objective and strategy
2016 0.69
2015 0.94 ●Australian Shares 0.0%
2014 0.90 ●International Shares 0.0%
2013 1.46 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 2.47 ●Alternatives°° 0.0%
5 years (%p.a.) 1.29 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.36 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Guaranteed Fund4 - 6SCG
Objective and strategy
2016 2.81
2015 3.91 ●Australian Shares 2.7%
2014 3.45 ●International Shares 6.7%
2013 6.22 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 5.60 ●Alternatives°° 6.2%
5 years (%p.a.) 4.39 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 5.59 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
109
XX
XX
X X
XX
XX
Fixed Interest Fund - 7SFI
Objective and strategy
2016 4.25
2015 2.88 ●Australian Shares 0.0%
2014 4.93 ●International Shares 0.0%
2013 2.12 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 6.99 ●Alternatives°° 0.0%
5 years (%p.a.) 4.22 ●Fixed Interest°°° 98.5%
10 years (%p.a.) 4.56 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Risk: Low/medium
Property Fund - 7SPF
Objective and strategy
2016 9.10
2015 10.29 ●Australian Shares 0.0%
2014 10.05 ●International Shares 0.0%
2013 10.91 ●Listed Property° 99.8%
Investment management fee (% p.a.)2: 1.70* 2012 5.26 ●Alternatives°° 0.0%
5 years (%p.a.) 9.10 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.53 ●Cash 0.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
This option is suited to investors seeking the potential of
high long-term growth with some volatility over shorter
time periods.
Asset Allocation at 30 June 20161
Risk: High
Managed Fund - 7SMN
Objective and strategy
2016 1.40
2015 8.10 ●Australian Shares 26.3%
2014 12.15 ●International Shares 26.6%
2013 14.21 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 1.14 ●Alternatives°° 18.4%
5 years (%p.a.) 7.26 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.63 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
110
XX
XX
X X
XX
XX
Australian Equities Fund - 7SAE
Objective and strategy
2016 -0.71
2015 4.06 ●Australian Shares 98.7%
2014 15.19 ●International Shares 0.0%
2013 20.67 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 -5.21 ●Alternatives°° 0.0%
5 years (%p.a.) 6.37 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 4.56 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
International Equities Fund - 7SIE
Objective and strategy
2016 -2.39
2015 13.39 ●Australian Shares 0.0%
2014 17.34 ●International Shares 98.8%
2013 25.09 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 -2.17 ●Alternatives°° 0.0%
5 years (%p.a.) 9.71 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.14 ●Cash 1.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investments
in global listed company shares. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Protected Fund - December - 7SP1
Objective and strategy
2016 0.44
2015 0.83 ●Australian Shares 0.0%
2014 0.86 ●International Shares 0.0%
2013 1.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 2.48 ●Alternatives°° 0.0%
5 years (%p.a.) 1.21 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.31 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
111
XX
XX
X X
XX
XX
Return To Contents
Capital Protected Fund – June A (ex-March) - 7SP2
Objective and strategy
2016 0.44
2015 0.82 ●Australian Shares 0.0%
2014 0.88 ●International Shares 0.0%
2013 1.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 2.49 ●Alternatives°° 0.0%
5 years (%p.a.) 1.21 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.30 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Protected Fund – June - 7SP3
Objective and strategy
2016 0.44
2015 0.83 ●Australian Shares 0.0%
2014 0.87 ●International Shares 0.0%
2013 1.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 2.48 ●Alternatives°° 0.0%
5 years (%p.a.) 1.21 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.32 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Protected Fund - September - 7SP4
Objective and strategy
2016 0.43
2015 0.83 ●Australian Shares 0.0%
2014 0.86 ●International Shares 0.0%
2013 1.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 2.50 ●Alternatives°° 0.0%
5 years (%p.a.) 1.21 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.31 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
112
XX
XX
X X
XX
XX
SGIC Rollover Deposit Plan7 (EC3, EF3)
Capital Guaranteed Cash Fund - 7RCA
Objective and strategy
2016 0.69
2015 0.94 ●Australian Shares 0.0%
2014 0.90 ●International Shares 0.0%
2013 1.46 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 2.47 ●Alternatives°° 0.0%
5 years (%p.a.) 1.29 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.36 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Guaranteed Fund4 - 6RCG
Objective and strategy
2016 2.81
2015 3.91 ●Australian Shares 2.7%
2014 3.45 ●International Shares 6.7%
2013 6.22 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 5.60 ●Alternatives°° 6.2%
5 years (%p.a.) 4.39 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 5.59 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Fixed Interest Fund - 7RFI
Objective and strategy
2016 4.25
2015 2.88 ●Australian Shares 0.0%
2014 4.93 ●International Shares 0.0%
2013 2.12 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 6.99 ●Alternatives°° 0.0%
5 years (%p.a.) 4.22 ●Fixed Interest°°° 98.5%
10 years (%p.a.) 4.56 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Risk: Low/medium
113
XX
XX
X X
XX
XX
Property Fund - 7RPF
Objective and strategy
2016 9.10
2015 10.29 ●Australian Shares 0.0%
2014 10.05 ●International Shares 0.0%
2013 10.91 ●Listed Property° 99.8%
Investment management fee (% p.a.)2: 1.70* 2012 5.26 ●Alternatives°° 0.0%
5 years (%p.a.) 9.10 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.53 ●Cash 0.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
This option is suited to investors seeking the potential of
high long-term growth with some volatility over shorter
time periods.
Asset Allocation at 30 June 20161
Risk: High
Managed Fund - 7RMN
Objective and strategy
2016 1.40
2015 8.10 ●Australian Shares 26.3%
2014 12.15 ●International Shares 26.6%
2013 14.21 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 1.14 ●Alternatives°° 18.4%
5 years (%p.a.) 7.26 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 4.63 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Australian Equities Fund - 7RAE
Objective and strategy
2016 -0.71
2015 4.06 ●Australian Shares 98.7%
2014 15.19 ●International Shares 0.0%
2013 20.67 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 -5.21 ●Alternatives°° 0.0%
5 years (%p.a.) 6.37 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 4.56 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
114
XX
XX
X X
XX
XX
International Equities Fund - 7RIE
Objective and strategy
2016 -2.39
2015 13.39 ●Australian Shares 0.0%
2014 17.34 ●International Shares 98.8%
2013 25.09 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 -2.17 ●Alternatives°° 0.0%
5 years (%p.a.) 9.71 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.14 ●Cash 1.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investments
in global listed company shares. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Protected Fund - December - 7RP1
Objective and strategy
2016 0.44
2015 0.83 ●Australian Shares 0.0%
2014 0.86 ●International Shares 0.0%
2013 1.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 2.48 ●Alternatives°° 0.0%
5 years (%p.a.) 1.21 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.31 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Protected Fund – June A (ex-March) - 7RP2
Objective and strategy
2016 0.44
2015 0.82 ●Australian Shares 0.0%
2014 0.88 ●International Shares 0.0%
2013 1.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 2.49 ●Alternatives°° 0.0%
5 years (%p.a.) 1.21 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.30 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
115
XX
XX
X X
XX
XX
Return To Contents
Capital Protected Fund – June - 7RP3
Objective and strategy
2016 0.44
2015 0.83 ●Australian Shares 0.0%
2014 0.87 ●International Shares 0.0%
2013 1.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 2.48 ●Alternatives°° 0.0%
5 years (%p.a.) 1.21 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.32 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Protected Fund - September - 7RP4
Objective and strategy
2016 0.43
2015 0.83 ●Australian Shares 0.0%
2014 0.86 ●International Shares 0.0%
2013 1.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 2.50 ●Alternatives°° 0.0%
5 years (%p.a.) 1.21 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.31 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
116
XX
XX
X X
XX
XX
Ex Legal and General Capital Guaranteed products
Retirement Investment Plan7,8,3 (W01)
Return To Contents
Table 60 and 80 - 1RIP
Objective and strategy
2016 4.76
2015 5.03 ●Australian Shares 2.6%
2014 4.70 ●International Shares 7.0%
2013 3.70 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.25 ●Alternatives°° 10.2%
5 years (%p.a.) 4.49 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 5.44 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Table 62 and Plus - 1RAP
Objective and strategy
2016 5.66
2015 5.94 ●Australian Shares 2.6%
2014 5.60 ●International Shares 7.0%
2013 4.60 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 5.15 ●Alternatives°° 10.2%
5 years (%p.a.) 5.39 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 6.34 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
117
XX
XX
X X
XX
XX
Retirement Accumulation Plan7,8,3 (W02)
Return To Contents
1RAP
Objective and strategy
2016 5.66
2015 5.94 ●Australian Shares 2.6%
2014 5.60 ●International Shares 7.0%
2013 4.60 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 5.15 ●Alternatives°° 10.2%
5 years (%p.a.) 5.39 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 6.34 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
118
XX
XX
X X
XX
XX
Private Trustee Superannuation7,3 (W04)
Return To Contents
1LUS
Objective and strategy
2016 5.66
2015 5.94 ●Australian Shares 2.6%
2014 5.60 ●International Shares 7.0%
2013 4.60 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 5.15 ●Alternatives°° 10.2%
5 years (%p.a.) 5.39 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 6.34 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
119
XX
XX
X X
XX
XX
Life Umbrella8,3 Superannuation (W03)
Return To Contents
1LUS
Objective and strategy
2016 5.66
2015 5.94 ●Australian Shares 2.6%
2014 5.60 ●International Shares 7.0%
2013 4.60 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 5.15 ●Alternatives°° 10.2%
5 years (%p.a.) 5.39 ●Fixed Interest°°° 71.3%
10 years (%p.a.) 6.34 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
120
XX
XX
X X
XX
XX
SGIC Capital Guaranteed products
Colonial Rollover Bond4,7 (EA3)
Return To Contents
6ROL
Objective and strategy
2016 2.81
2015 3.90 ●Australian Shares 2.7%
2014 3.45 ●International Shares 6.7%
2013 6.22 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2012 5.61 ●Alternatives°° 6.2%
5 years (%p.a.) 4.39 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 5.59 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
121
XX
XX
X X
XX
XX
Money Plan Super4,8 (WA3)
Return To Contents
6SMY
Objective and strategy
2016 3.02
2015 4.10 ●Australian Shares 2.7%
2014 3.65 ●International Shares 6.7%
2013 6.41 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 5.80 ●Alternatives°° 6.2%
5 years (%p.a.) 4.59 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 5.78 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
122
XX
XX
X X
XX
XX
Colonial Rollover Bond4,7 (EB3)
Return To Contents
6RNF
Objective and strategy
2016 2.46
2015 3.55 ●Australian Shares 2.7%
2014 3.10 ●International Shares 6.7%
2013 5.86 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.05 2012 5.26 ●Alternatives°° 6.2%
5 years (%p.a.) 4.04 ●Fixed Interest°°° 41.1%
10 years (%p.a.) 5.27 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
123
XX
XX
X X
XX
XX
Colonial Living Money7,8 (E07, E08)
Capital Guaranteed Cash Fund - 4CSH
Objective and strategy
2016 1.00
2015 1.32 ●Australian Shares 0.0%
2014 1.31 ●International Shares 0.0%
2013 1.99 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 3.27 ●Alternatives°° 0.0%
5 years (%p.a.) 1.77 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.02 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Fixed Interest Fund - 4FIX
Objective and strategy
2016 4.82
2015 3.38 ●Australian Shares 0.0%
2014 6.08 ●International Shares 0.0%
2013 2.73 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.80* 2012 8.41 ●Alternatives°° 0.0%
5 years (%p.a.) 5.06 ●Fixed Interest°°° 98.7%
10 years (%p.a.) 5.68 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Risk: Low/medium
Property Fund - 4PRP
Objective and strategy
2016 9.87
2015 10.64 ●Australian Shares 0.0%
2014 11.41 ●International Shares 0.0%
2013 12.19 ●Listed Property° 100.0%
Investment management fee (% p.a.)2: 2.00* 2012 5.89 ●Alternatives°° 0.0%
5 years (%p.a.) 9.98 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.76 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
This option is suited to investors seeking the potential of
high long-term growth with some volatility over shorter
time periods.
Asset Allocation at 30 June 20161
Risk: High
124
XX
XX
X X
XX
XX
Stable Fund - 4STB
Objective and strategy
2016 2.86
2015 5.36 ●Australian Shares 10.7%
2014 7.37 ●International Shares 9.0%
2013 7.08 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.90* 2012 4.55 ●Alternatives°° 11.0%
5 years (%p.a.) 5.43 ●Fixed Interest°°° 34.1%
10 years (%p.a.) 4.57 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Consensus Stable Fund - 4CST
Objective and strategy
2016 2.98
2015 5.54 ●Australian Shares 9.9%
2014 7.69 ●International Shares 8.5%
2013 7.42 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.60* 2012 4.92 ●Alternatives°° 12.9%
5 years (%p.a.) 5.70 ●Fixed Interest°°° 34.1%
10 years (%p.a.) 4.72 ●Cash 34.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
Managed Fund - 4MGD
Objective and strategy
2016 1.53
2015 9.22 ●Australian Shares 26.9%
2014 13.83 ●International Shares 27.1%
2013 16.32 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.90* 2012 1.95 ●Alternatives°° 17.1%
5 years (%p.a.) 8.40 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 5.02 ●Cash 15.8%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
125
XX
XX
X X
XX
XX
Return To Contents
Consensus Managed Fund - 4CMG
Objective and strategy
2016 1.75
2015 9.27 ●Australian Shares 27.9%
2014 14.04 ●International Shares 27.0%
2013 16.53 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.60* 2012 1.75 ●Alternatives°° 15.5%
5 years (%p.a.) 8.50 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 5.23 ●Cash 16.5%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Australian Equities Fund - 4EQY
Objective and strategy
2016 -0.77
2015 4.49 ●Australian Shares 98.5%
2014 16.50 ●International Shares 0.0%
2013 23.02 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.00* 2012 -5.54 ●Alternatives°° 0.0%
5 years (%p.a.) 7.02 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 4.41 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
International Equities Fund - 4INT
Objective and strategy
2016 -3.00
2015 14.90 ●Australian Shares 0.0%
2014 18.54 ●International Shares 98.6%
2013 26.11 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.00* 2012 -0.73 ●Alternatives°° 0.0%
5 years (%p.a.) 10.59 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.45 ●Cash 1.4%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investments
in global listed company shares. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
126
XX
XX
X X
XX
XX
SGIC Retirement Plus Account8 (FA3, FB3)
Capital Guaranteed Cash Fund - 9ACA
Objective and strategy
2016 1.19
2015 1.52 ●Australian Shares 0.0%
2014 1.52 ●International Shares 0.0%
2013 2.20 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 3.50 ●Alternatives°° 0.0%
5 years (%p.a.) 1.98 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.24 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Guaranteed Fund4 - 6ACG
Objective and strategy
2016 3.53
2015 4.79 ●Australian Shares 2.6%
2014 4.33 ●International Shares 7.1%
2013 7.31 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 6.40 ●Alternatives°° 6.4%
5 years (%p.a.) 5.26 ●Fixed Interest°°° 40.1%
10 years (%p.a.) 5.53 ●Cash 43.8%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Property Fund - 9APF
Objective and strategy
2016 10.39
2015 11.22 ●Australian Shares 0.0%
2014 11.98 ●International Shares 0.0%
2013 12.75 ●Listed Property° 100.0%
Investment management fee (% p.a.)2: 1.50* 2012 6.32 ●Alternatives°° 0.0%
5 years (%p.a.) 10.51 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 4.26 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
This option is suited to investors seeking the potential of
high long-term growth with some volatility over shorter
time periods.
Asset Allocation at 30 June 20161
Risk: High
127
XX
XX
X X
XX
XX
Managed Fund - 9AMN
Objective and strategy
2016 1.92
2015 9.60 ●Australian Shares 26.9%
2014 14.27 ●International Shares 27.1%
2013 16.77 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 2.30 ●Alternatives°° 17.1%
5 years (%p.a.) 8.80 ●Fixed Interest°°° 13.1%
10 years (%p.a.) 5.42 ●Cash 15.8%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Australian Equities Fund - 9AAE
Objective and strategy
2016 -0.29
2015 5.00 ●Australian Shares 98.5%
2014 17.08 ●International Shares 0.0%
2013 23.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 -5.15 ●Alternatives°° 0.0%
5 years (%p.a.) 7.52 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 4.91 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
International Equities Fund - 9AIE
Objective and strategy
2016 -2.54
2015 15.48 ●Australian Shares 0.0%
2014 19.17 ●International Shares 98.6%
2013 26.60 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 -0.26 ●Alternatives°° 0.0%
5 years (%p.a.) 11.11 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.98 ●Cash 1.4%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investments
in global listed company shares. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
128
XX
XX
X X
XX
XX
Capital Protected Fund - December - 9AP1
Objective and strategy
2016 0.90
2015 1.36 ●Australian Shares 0.0%
2014 1.50 ●International Shares 0.0%
2013 2.17 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 3.45 ●Alternatives°° 0.0%
5 years (%p.a.) 1.87 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.17 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Protected Fund – June A (ex-March) - 9AP2
Objective and strategy
2016 0.90
2015 1.37 ●Australian Shares 0.0%
2014 1.50 ●International Shares 0.0%
2013 2.17 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 3.46 ●Alternatives°° 0.0%
5 years (%p.a.) 1.88 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.18 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Protected Fund – June - 9AP3
Objective and strategy
2016 0.90
2015 1.36 ●Australian Shares 0.0%
2014 1.50 ●International Shares 0.0%
2013 2.17 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 3.46 ●Alternatives°° 0.0%
5 years (%p.a.) 1.88 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.17 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
129
XX
XX
X X
XX
XX
Return To Contents
Capital Protected Fund - September - 9AP4
Objective and strategy
2016 0.90
2015 1.36 ●Australian Shares 0.0%
2014 1.55 ●International Shares 0.0%
2013 2.17 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 3.46 ●Alternatives°° 0.0%
5 years (%p.a.) 1.88 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.17 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
130
XX
XX
X X
XX
XX
Umbrella Investment Plan7, Umbrella Financial Plan7, Investment Growth Bond7 (T10, T11, T12, A01, A02, A03, A04, A05)
Capital Guaranteed Cash Fund - 3CSH
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -6.18 0.67
2015 -5.98 0.89 ●Australian Shares 0.0%
2014 -6.07 0.82 ●International Shares0.0%
2013 -5.76 1.09●Listed Property
0.0%
Investment management fee (% p.a.)2:
Initial units: 8.10
Investment Units: 1.30
2012 -4.99 1.96 ●Alternatives 0.0%
5 years (%p.a.) -5.80 1.08 ●Fixed Interest 0.0%
10 years (%p.a.) -5.03 1.87 ●Cash 100.0%Risk: Very Low
Asset Allocation at 30 June 20161
To provide the highest level of security with income
from investments in money market securities. This
option is suited to investors who want a high
degree of security.
Capital Guaranteed Fund 3 - 1ORD
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -2.68 3.21
2015 -2.39 3.53 ●Australian Shares 2.3%
2014 -2.39 3.54 ●International Shares7.2%
2013 -2.85 3.00●Listed Property
0.0%
Investment management fee (% p.a.)2:
Initial units: N/A**
Investment Units: N/A**
2012 -2.56 3.33 ●Alternatives 9.8%
5 years (%p.a.) -2.57 3.32 ●Fixed Interest 71.4%
10 years (%p.a.) -2.72 3.16 ●Cash 9.3%Risk: Low/medium
Asset Allocation at 30 June 20161
To provide crediting rates, before tax and fees, in
excess of inflation over rolling 3 year periods and
provide security of capital. This investment option is
suited to investors who want a high degree of
security.
Consensus Stable Fund11 - 3CST
Objective and strategy
2016 1.72
2015 3.62 ●Australian Shares 10.1%
2014 4.97 ●International Shares 8.9%
2013 4.97 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 2.97 ●Alternatives°° 11.5%
5 years (%p.a.) 3.64 ●Fixed Interest°°° 33.8%
10 years (%p.a.) 3.07 ●Cash 35.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
131
XX
XX
X X
XX
XX
Consensus Managed Fund11 - 3CMG
Objective and strategy
2016 0.89
2015 6.65 ●Australian Shares 26.7%
2014 10.14 ●International Shares 27.0%
2013 11.04 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2012 0.84 ●Alternatives°° 16.0%
5 years (%p.a.) 5.82 ●Fixed Interest°°° 13.5%
10 years (%p.a.) 3.57 ●Cash 16.8%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Fixed Interest Fund - 3FIX
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -4.04 3.09
2015 -4.89 2.15 ●Australian Shares 0.0%
2014 -3.31 3.91 ●International Shares0.0%
2013 -5.30 1.70●Listed Property
0.0%
Investment management fee (% p.a.)2:
Initial units: 8.45
Investment Units: 1.55
2012 -1.75 5.53 ●Alternatives 0.0%
5 years (%p.a.) -3.87 3.26 ●Fixed Interest 99.3%
10 years (%p.a.) -3.77 3.33 ●Cash 0.7%Risk: Low/medium
Asset Allocation at 30 June 20161
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This
option is suited to investors who want a reasonable
level of securty with the potential to provide higher
returns than cash options.
Property Fund - 3PRP
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -0.35 7.06
2015 0.15 7.58 ●Australian Shares 0.0%
2014 0.13 7.59 ●International Shares0.0%
2013 2.64 10.22●Listed Property
100.0%
Investment management fee (% p.a.)2:
Initial units: 8.65
Investment Units: 1.75
2012 -2.72 4.49 ●Alternatives 0.0%
5 years (%p.a.) -0.04 7.37 ●Fixed Interest 0.0%
10 years (%p.a.) -3.88 3.19 ●Cash 0.0%Risk: High
Asset Allocation at 30 June 20161
To provide long-term capital growth and income
from a diversified portfolio of global listed property
investments. This option is suited to investors
seeking the potential of high long-term growth with
some volatility over shorter time periods.
132
XX
XX
X X
XX
XX
Stable Fund - 3STB
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -5.28 1.76
2015 -3.50 3.66 ●Australian Shares 10.0%
2014 -2.29 5.01 ●International Shares8.4%
2013 -2.41 4.80●Listed Property
0.0%
Investment management fee (% p.a.)2:
Initial units: 8.40
Investment Units: 1.50
2012 -4.08 3.02 ●Alternatives 12.2%
5 years (%p.a.) -3.52 3.64 ●Fixed Interest 33.3%
10 years (%p.a.) -4.15 2.91 ●Cash 36.1%Risk: Low/medium
Asset Allocation at 30 June 20161
To invest in a diversified portfolio of assets
expected to generate a mix of income and long-
term captial growth with an emphasis on stable
returns and a reasonably high level of security.
This option is suited to investors who want returns
that are less volatile than from options with a
greater bias to growth investments.
Managed Fund - 3MGD
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -6.12 0.87
2015 -0.95 6.38 ●Australian Shares 26.2%
2014 1.96 9.56 ●International Shares26.5%
2013 3.43 11.08●Listed Property
0.0%
Investment management fee (% p.a.)2:
Initial units: 8.55
Investment Units: 1.65
2012 -5.90 1.06 ●Alternatives 18.1%
5 years (%p.a.) -1.59 5.71 ●Fixed Interest 12.9%
10 years (%p.a.) -3.52 3.59 ●Cash 16.3%Risk: Medium/High
Asset Allocation at 30 June 20161
To invest in a diversified portfolio of assets
expected to generate a mix of long-term capital
growth and income, but which may be volatile in
the short-to-medium term. This option is suited to
investors seeking long-term growth who are
prepared to accept some volatility of returns.
133
XX
XX
X X
XX
XX
Return To Contents
Australian Equities Fund - 3EQY
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -7.72 -0.86
2015 -3.91 3.21 ●Australian Shares 98.7%
2014 4.00 11.75 ●International Shares0.0%
2013 7.86 15.82●Listed Property
0.0%
Investment management fee (% p.a.)2:
Initial units: 8.60
Investment Units: 1.70
2012 -10.85 -4.24 ●Alternatives 0.0%
5 years (%p.a.) -2.37 4.87 ●Fixed Interest 0.0%
10 years (%p.a.) -3.53 3.57 ●Cash 1.3%Risk: High
Asset Allocation at 30 June 20161
To provide long-term capital growth through
investment in shares of Australian listed company
shares.This option is suited to investors seeking
high returns who are prepared to accept volatility
of returns.
International Equities Fund - 3INT
Objective and strategy Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2016 -9.39 -2.65
2015 3.77 11.45 ●Australian Shares 0.0%
2014 5.34 13.18 ●International Shares99.0%
2013 9.74 17.86●Listed Property
0.0%
Investment management fee (% p.a.)2:
Initial units: 8.65
Investment Units: 1.75
2012 -7.68 -0.83 ●Alternatives 0.0%
5 years (%p.a.) 0.07 7.50 ●Fixed Interest 0.0%
10 years (%p.a.) -4.34 2.70 ●Cash 1.0%Risk: High
Asset Allocation at 30 June 20161
To provide long-term capital growth through
investments in global listed company shares. This
option is suited to investors seeking high returns
who are prepared to accept volatility of returns.
134
XX
XX
X X
XX
XX
Investment Growth Bond7 (A06)
NC - Cash - 3NCS
Objective and strategy
2016 1.11
2015 1.31 ●Australian Shares 0.0%
2014 1.22 ●International Shares 0.0%
2013 - ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.85 2012 - ●Alternatives°° 0.0%
5 years (%p.a.) - ●Fixed Interest°°° 0.0%
10 years (%p.a.) - ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
NC - Global Fixed Interest - 3NFI
Objective and strategy
2016 3.53
2015 2.59 ●Australian Shares 0.0%
2014 4.28 ●International Shares 0.0%
2013 - ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.10 2012 - ●Alternatives°° 0.0%
5 years (%p.a.) - ●Fixed Interest°°° 99.3%
10 years (%p.a.) - ●Cash 0.7%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Risk: Low/medium
NC - Global Property - 3NPR
Objective and strategy
2016 6.96
2015 7.66 ●Australian Shares 0.0%
2014 10.41 ●International Shares 0.0%
2013 - ●Listed Property° 99.9%
Investment management fee (% p.a.)2: 1.50 2012 - ●Alternatives°° 0.0%
5 years (%p.a.) - ●Fixed Interest°°° 0.0%
10 years (%p.a.) - ●Cash 0.1%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
This option is suited to investors seeking the potential of
high long-term growth with some volatility over shorter
time periods.
Asset Allocation at 30 June 20161
Risk: High
135
XX
XX
X X
XX
XX
NC - Australian Shares - 3NAU
Objective and strategy
2016 -0.37
2015 3.59 ●Australian Shares 98.7%
2014 12.19 ●International Shares 0.0%
2013 - ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.30 2012 - ●Alternatives°° 0.0%
5 years (%p.a.) - ●Fixed Interest°°° 0.0%
10 years (%p.a.) - ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
NC - International Shares - 3NIN
Objective and strategy
2016 -2.39
2015 11.83 ●Australian Shares 0.0%
2014 13.66 ●International Shares 99.0%
2013 - ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 - ●Alternatives°° 0.0%
5 years (%p.a.) - ●Fixed Interest°°° 0.0%
10 years (%p.a.) - ●Cash 1.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investments
in global listed company shares. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
NC - Conservative - 3NCO
Objective and strategy
2016 2.07
2015 3.96 ●Australian Shares 10.0%
2014 5.24 ●International Shares 8.4%
2013 - ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.20 2012 - ●Alternatives°° 12.2%
5 years (%p.a.) - ●Fixed Interest°°° 33.3%
10 years (%p.a.) - ●Cash 36.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Risk: Low/medium
136
XX
XX
X X
XX
XX
Return To Contents
NC - Diversified - 3NDI
Objective and strategy
2016 1.38
2015 5.01 ●Australian Shares 17.9%
2014 6.04 ●International Shares 16.7%
2013 - ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.30 2012 - ●Alternatives°° 14.2%
5 years (%p.a.) - ●Fixed Interest°°° 19.3%
10 years (%p.a.) - ●Cash 31.9%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
NC - Balanced - 3NBA
Objective and strategy
2016 1.23
2015 6.68 ●Australian Shares 26.2%
2014 9.84 ●International Shares 26.5%
2013 - ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.30 2012 - ●Alternatives°° 18.1%
5 years (%p.a.) - ●Fixed Interest°°° 12.9%
10 years (%p.a.) - ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
NC - Growth - 3NGR
Objective and strategy
2016 0.33
2015 7.28 ●Australian Shares 33.4%
2014 10.67 ●International Shares 33.4%
2013 - ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2012 - ●Alternatives°° 17.7%
5 years (%p.a.) - ●Fixed Interest°°° 2.8%
10 years (%p.a.) - ●Cash 12.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
137
XX
XX
X X
XX
XX
Colonial Investment Bond (SGIC Personal Investment Bond7 AA3, AG3, AH3)
Capital Guaranteed Cash Fund - 8BCA
Objective and strategy
2016 0.27
2015 0.49 ●Australian Shares 0.0%
2014 0.42 ●International Shares 0.0%
2013 0.89 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2012 1.77 ●Alternatives°° 0.0%
5 years (%p.a.) 0.77 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.67 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Guaranteed Fund7 - 6BON
Objective and strategy
2016 2.17
2015 2.88 ●Australian Shares 2.5%
2014 2.59 ●International Shares 6.8%
2013 4.77 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2012 4.59 ●Alternatives°° 6.4%
5 years (%p.a.) 3.39 ●Fixed Interest°°° 40.8%
10 years (%p.a.) 4.48 ●Cash 43.5%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
138
XX
XX
X X
XX
XX
Property Fund - 8BPF
Objective and strategy
2016 7.16
2015 7.67 ●Australian Shares 0.0%
2014 7.62 ●International Shares 0.0%
2013 10.10 ●Listed Property° 100.0%
Investment management fee (% p.a.)2: 1.75* 2012 4.27 ●Alternatives°° 0.0%
5 years (%p.a.) 7.35 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.13 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
This option is suited to investors seeking the potential of
high long-term growth with some volatility over shorter
time periods.
Asset Allocation at 30 June 20161
Risk: High
Managed Fund - 8BMN
Objective and strategy
2016 0.87
2015 6.37 ●Australian Shares 26.2%
2014 9.53 ●International Shares 26.5%
2013 10.86 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2012 0.78 ●Alternatives°° 18.1%
5 years (%p.a.) 5.60 ●Fixed Interest°°° 12.9%
10 years (%p.a.) 3.48 ●Cash 16.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Risk: Medium/High
Australian Equities Fund - 8BAE
Objective and strategy
2016 -0.80
2015 3.25 ●Australian Shares 98.7%
2014 11.75 ●International Shares 0.0%
2013 16.63 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2012 -4.36 ●Alternatives°° 0.0%
5 years (%p.a.) 5.01 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 3.59 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
139
XX
XX
X X
XX
XX
International Equities Fund - 8BIE
Objective and strategy
2016 -2.50
2015 11.71 ●Australian Shares 0.0%
2014 13.34 ●International Shares 99.0%
2013 17.62 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2012 -1.03 ●Alternatives°° 0.0%
5 years (%p.a.) 7.52 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 2.65 ●Cash 1.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investments
in global listed company shares. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Risk: High
Capital Protected Fund - December - 8BP1
Objective and strategy
2016 0.02
2015 0.34 ●Australian Shares 0.0%
2014 0.37 ●International Shares 0.0%
2013 0.84 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2012 1.72 ●Alternatives°° 0.0%
5 years (%p.a.) 0.65 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.66 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
Capital Protected Fund – June - 8BP3
Objective and strategy
2016 0.02
2015 0.33 ●Australian Shares 0.0%
2014 0.38 ●International Shares 0.0%
2013 0.83 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2012 1.72 ●Alternatives°° 0.0%
5 years (%p.a.) 0.66 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.75 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
140
XX
XX
X X
XX
XX
Return To Contents
Capital Protected Fund - September - 8BP4
Objective and strategy
2016 0.03
2015 0.37 ●Australian Shares 0.0%
2014 0.44 ●International Shares 0.0%
2013 0.85 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2012 1.73 ●Alternatives°° 0.0%
5 years (%p.a.) 0.68 ●Fixed Interest°°° 0.0%
10 years (%p.a.) 1.61 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Very Low
141
XX
XX
X X
XX
XX
Colonial Life Umbrella3,7 (S03 - ex Legal and General Capital Guaranteed product)
Return To Contents
Ordinary - 1LUO
Objective and strategy
2016 4.02
2015 4.00 ●Australian Shares 2.3%
2014 4.02 ●International Shares 7.2%
2013 3.99 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2012 4.00 ●Alternatives°° 9.8%
5 years (%p.a.) 4.00 ●Fixed Interest°°° 71.4%
10 years (%p.a.) 4.28 ●Cash 9.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
142
XX
XX
X X
XX
XX
SGIC Capital Guaranteed products4,7 (SB3, AF3, SA3)
Return To Contents
Ordinary Passbook Rate - 6HIN
Objective and strategy
2016 1.21
2015 1.83 ●Australian Shares 2.5%
2014 1.53 ●International Shares 6.8%
2013 3.72 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.55 2012 3.54 ●Alternatives°° 6.4%
5 years (%p.a.) 2.36 ●Fixed Interest°°° 40.8%
10 years (%p.a.) 3.53 ●Cash 43.5%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Ordinary Funeral Bond - 6FNR
Objective and strategy
2016 1.08
2015 1.63 ●Australian Shares 2.5%
2014 1.33 ●International Shares 6.8%
2013 3.52 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.75 2012 3.33 ●Alternatives°° 6.4%
5 years (%p.a.) 2.17 ●Fixed Interest°°° 40.8%
10 years (%p.a.) 3.34 ●Cash 43.5%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
Money Plan Ordinary - 6MNY
Objective and strategy
2016 2.17
2015 2.88 ●Australian Shares 2.5%
2014 2.59 ●International Shares 6.8%
2013 4.77 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2012 4.59 ●Alternatives°° 6.4%
5 years (%p.a.) 3.39 ●Fixed Interest°°° 40.8%
10 years (%p.a.) 4.48 ●Cash 43.5%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Risk: Low/medium
143
XX
XX
X X
XX
XX
Colonial Select Allocated Pension8
Multi-Manager Global Share Fund - EXCMOE
Objective and strategy
2016 -5.97
2015 25.60 ●Australian Shares 0.0%
2014 22.43 ●International Shares 96.4%
2013 32.07 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.91 2012 -5.27 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 12.59 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 2.38 ●Cash 3.6%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth that exceeds the
MSCI All Country World Index over rolling five year
periods before fees and taxes.
Asset Allocation at 30 June 20161
MFS Global Equity Option - EXAMOE
Objective and strategy
2016 -0.87
2015 25.76 ●Australian Shares 0.0%
2014 19.30 ●International Shares 98.1%
2013 40.10 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.95 2012 -0.21 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 15.77 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 2.91 ●Cash 1.9%
Investment performance – Yearly returns to 30 June (%)
To provide capital appreciation over the longer term by
investing in a diversified portfolio of global shares
(unhedged) and to outperform the MSCI World Index
over rolling five year periods, before fees and taxes.
Asset Allocation at 30 June 20161
BT Core Global Share Option - EXROOE
Objective and strategy
2016 -4.87
2015 25.96 ●Australian Shares 0.0%
2014 21.07 ●International Shares 98.0%
2013 33.92 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.29 2012 -1.00 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 13.98 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 3.47 ●Cash 2.0%
Investment performance – Yearly returns to 30 June (%)
To provide a portfolio of international investments that
aims to provide a return (before fees, costs and taxes)
that exceeds the MSCI World (ex Australia) Index over
rolling three-year periods
Asset Allocation at 30 June 20161
144
XX
XX
X X
XX
XX
Colonial First State Wholesale Global Resources Fund - EXFSRE
Objective and strategy
2016 -3.42
2015 -13.82 ●Australian Shares 0.0%
2014 28.39 ●International Shares 97.9%
2013 -7.72 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2012 -29.72 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) -7.07 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) -1.38 ●Cash 2.1%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by predominantly
investing in resource companies from around the world.
The option aims to outperform the Euromoney Global
Mining Accumulation (75%) and the MSCI All Country
World Energy Index (25%) over rolling five-year
periods before fees and taxes.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Worldwide Leaders Fund (formerly Colonial First State Wholesale Global Share Fund) - EXFSOE
Objective and strategy
2016 9.46
2015 20.27 ●Australian Shares 0.0%
2014 14.80 ●International Shares 84.5%
2013 33.55 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2012 0.05 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 15.09 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.36 ●Cash 15.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by investing in a
diversified portfolio of shares from around the world.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Index Global Share Fund - EXCTOE
Objective and strategy
2016 -1.21
2015 25.58 ●Australian Shares 0.0%
2014 21.93 ●International Shares 98.8%
2013 32.13 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.24 2012 -0.98 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 14.63 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.22 ●Cash 1.2%
Investment performance – Yearly returns to 30 June (%)
To closely track the MSCI World (ex Australia) Index
with the aim of generating returns (before tax and fees
and assuming income is reinvested) comparable to the
world sharemarkets as measured by
that benchmark (unhedged) over rolling one-year
periods.
Asset Allocation at 30 June 20161
145
XX
XX
X X
XX
XX
FirstChoice Wholesale Asian Share Fund (formerly Schroder Asia Pacific fund) - EXSAOE
Objective and strategy
2016 -5.96
2015 26.63 ●Australian Shares 0.0%
2014 18.10 ●International Shares 98.0%
2013 20.57 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.94 2012 -0.78 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 10.97 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 6.64 ●Cash 2.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth from a diversified
portfolio of predominantly Asian companies. To
outperform the MSCI All Country Asia (ex Japan) Index
over rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
Multi-Manager Australian Share Fund - EXCMDE
Objective and strategy
2016 -2.60
2015 5.70 ●Australian Shares 96.9%
2014 19.31 ●International Shares 0.0%
2013 25.94 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.70 2012 -6.20 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 7.73 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 6.03 ●Cash 3.1%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and some tax-
effective income from a diversified portfolio of
predominantly Australian companies. To outperform the
S&P/ASX 300 Accumulation Index over rolling three-
year periods before fees and taxes.
Asset Allocation at 30 June 20161
Ausbil Australian Active Equity Option - EXCSDE
Objective and strategy
2016 1.33
2015 3.92 ●Australian Shares 98.4%
2014 23.48 ●International Shares 0.0%
2013 28.79 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.49 2012 -6.09 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 9.48 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 6.62 ●Cash 1.6%
Investment performance – Yearly returns to 30 June (%)
To provide long-term growth with moderate tax-effective
income. The option aims to outperform the S&P/ASX 300
Accumulation Index over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20161
146
XX
XX
X X
XX
XX
BT Core Australian Share Option - EXRODE
Objective and strategy
2016 -0.62
2015 7.88 ●Australian Shares 96.4%
2014 21.76 ●International Shares 0.0%
2013 25.86 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.00 2012 -7.18 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 8.81 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.83 ●Cash 3.6%
Investment performance – Yearly returns to 30 June (%)
The option aims to provide a return (before fees, costs
and taxes) that exceeds the S&P/ASX 300 Accumulation
Index over rolling three-year periods
Asset Allocation at 30 June 20161
Colonial First State Wholesale Australian Share Fund - Core - EXCPAS
Objective and strategy
2016 0.47
2015 7.12 ●Australian Shares 97.9%
2014 17.89 ●International Shares 0.0%
2013 26.60 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.49 2012 -3.25 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 9.22 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 7.61 ●Cash 2.1%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some income by
investing predominantly in a broad selection of Australian
companies. The option aims to outperform the S&P/ASX
200 Accumulation Index over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Geared Share Fund - EXFSGS
Objective and strategy
2016 -3.46
2015 13.39 ●Australian Shares 90.0%
2014 37.50 ●International Shares 0.0%
2013 73.20 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.03 2012 -25.79 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 14.11 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.31 ●Cash 10.0%
Investment performance – Yearly returns to 30 June (%)
To magnify long-term returns from capital growth by
borrowing to invest in large Australian companies. The
option aims to outperform the S&P/ASX 100 Accumulation
Index over rolling seven-year periods before fees and
taxes.
Asset Allocation at 30 June 20161
147
XX
XX
X X
XX
XX
Colonial First State Wholesale Imputation Fund - EXFSDE
Objective and strategy
2016 0.17
2015 6.08 ●Australian Shares 96.6%
2014 18.92 ●International Shares 0.0%
2013 29.01 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.95 2012 -5.80 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 8.96 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 6.16 ●Cash 3.4%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some tax-
effective income by investing in a broad selection of
Australian companies. The option aims to outperform the
S&P/ASX 200 Accumlation Index over rolling three-year
periods before fees and taxes.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Index Australian Share Fund - EXCTDE
Objective and strategy
2016 0.55
2015 5.13 ●Australian Shares 99.5%
2014 19.82 ●International Shares 0.0%
2013 25.79 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.23 2012 -4.87 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 8.67 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 6.12 ●Cash 0.5%
Investment performance – Yearly returns to 30 June (%)
To closely track the S&P/ASX 200 Accumulation Index
with the aim of generating returns (before tax and fees
and assuming income is reinvested) comparable to the
Australian sharemarket as measured by that benchmark
over rolling one-year periods.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Small Companies Fund - Core - EXCPSC
Objective and strategy
2016 14.16
2015 14.56 ●Australian Shares 96.4%
2014 27.67 ●International Shares 0.0%
2013 12.92 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.51 2012 -2.29 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 13.00 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 9.15 ●Cash 3.6%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by investing
predominantly in small Australian companies. The option
aims to outperform the S&P/ASX Small Ordinaries
Accumulation Index over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20161
148
XX
XX
X X
XX
XX
Maple-Brown Abbott Wholesale Australian Share - EXMBIM
Objective and strategy
2016 -8.70
2015 6.16 ●Australian Shares 94.6%
2014 19.34 ●International Shares 0.0%
2013 31.29 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.92 2012 -5.27 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 7.54 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.94 ●Cash 5.4%
Investment performance – Yearly returns to 30 June (%)
To outperform the S&P/ASX 200 Accumulation Index
before fees and taxes over rolling four-year periods.
Asset Allocation at 30 June 20161
Perpetual Industrial Share Option - EXPPIS
Objective and strategy
2016 -1.61
2015 7.61 ●Australian Shares 90.9%
2014 20.55 ●International Shares 0.0%
2013 34.54 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.92 2012 6.12 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 12.75 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 8.10 ●Cash 9.1%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and regular income
predominantly through investment in quality Australian
Industrial shares. The option aims to outperform the
S&P/ASX 300 Industrials Accumulation Index over rolling
three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
Schroder Australian Equity Option - EXSADE
Objective and strategy
2016 -5.90
2015 3.10 ●Australian Shares 98.6%
2014 18.26 ●International Shares 0.0%
2013 28.23 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.64 2012 -2.87 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 7.40 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 6.44 ●Cash 1.4%
Investment performance – Yearly returns to 30 June (%)
To outperform the S&P/ASX 200 Accumulation Index
over rolling three-year periods before fees and taxes, by
investing in a broad range of companies from Australia
and New Zealand.
Asset Allocation at 30 June 20161
149
XX
XX
X X
XX
XX
Multi-Manager Property Securities Fund - EXCMPS
Objective and strategy
2016 23.30
2015 17.94 ●Australian Shares 0.0%
2014 14.65 ●International Shares 0.0%
2013 24.21 ●Listed Property° 96.6%
Investment management fee (% p.a.)2: 0.46 2012 11.66 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 18.26 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 2.28 ●Cash 3.4%
Investment performance – Yearly returns to 30 June (%)
To provide capital growth and income from a diversified
portfolio of listed property investments. To outperform the
S&P/ASX 300 A-REIT Accumulation Index over rolling
three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
BT Property Investment Option - EXROPR
Objective and strategy
2016 22.85
2015 17.32 ●Australian Shares 0.0%
2014 12.67 ●International Shares 0.0%
2013 21.35 ●Listed Property° 95.7%
Investment management fee (% p.a.)2: 0.80 2012 11.71 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 17.10 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.16 ●Cash 4.3%
Investment performance – Yearly returns to 30 June (%)
To provide a return (before fees, costs, and taxes) that
exceeds the S&P/ASX 300 A-REIT Accumulation Index
over rolling three-year periods.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Property Securities Fund - EXFSPR
Objective and strategy
2016 23.33
2015 18.15 ●Australian Shares 0.0%
2014 12.70 ●International Shares 0.0%
2013 23.01 ●Listed Property° 96.7%
Investment management fee (% p.a.)2: 0.80 2012 10.26 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 17.37 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 0.57 ●Cash 3.3%
Investment performance – Yearly returns to 30 June (%)
To provide medium-to-long term capital growth and
income to the investor by investing in a portfolio of
Australian listed property securities. The option aims to
outperform the S&P/ASX 200 A-REIT Accumulation
Index over rolling three-year periods before fees and
taxes.
Asset Allocation at 30 June 20161
150
XX
XX
X X
XX
XX
Multi-Manager High Growth Fund - EXCMHG
Objective and strategy
2016 -1.55
2015 11.46 ●Australian Shares 38.5%
2014 20.83 ●International Shares 38.4%
2013 24.85 ●Listed Property° 9.9%
Investment management fee (% p.a.)2: 0.80 2012 -5.13 ●Alternatives°° 9.8%
Risk: High 5 years (%p.a.) 9.45 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.02 ●Cash 3.4%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by investing in
growth assets. To outperform the option's composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20161
Colonial First State Wholesale High Growth Fund - EXFSHG
Objective and strategy
2016 3.81
2015 10.91 ●Australian Shares 48.5%
2014 19.28 ●International Shares 46.9%
2013 25.65 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2012 -4.37 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 10.54 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.10 ●Cash 4.6%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth. The option aims to
outperform the composite benchmark over rolling three-
year periods before fees and taxes.
Asset Allocation at 30 June 20161
FirstChoice Wholesale High Growth (formerly Perpetual Split Growth Option) - EXFIGR
Objective and strategy
2016 -1.19
2015 11.47 ●Australian Shares 38.5%
2014 16.78 ●International Shares 38.4%
2013 31.61 ●Listed Property° 9.9%
Investment management fee (% p.a.)2: 0.80 2012 1.54 ●Alternatives°° 9.8%
Risk: High 5 years (%p.a.) 11.45 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.62 ●Cash 3.4%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by investing in
growth assets. To outperform the option's composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20161
151
XX
XX
X X
XX
XX
Multi-Manager Growth Fund - EXCMGR
Objective and strategy
2016 0.53
2015 10.65 ●Australian Shares 29.3%
2014 16.48 ●International Shares 29.1%
2013 20.14 ●Listed Property° 5.6%
Investment management fee (% p.a.)2: 0.68 2012 -1.26 ●Alternatives°° 13.6%
Risk: High 5 years (%p.a.) 8.98 ●Fixed Interest°°° 16.9%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 5.16 ●Cash 5.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with less fluctuations
of returns than ‘high growth’ investment options. To
outperform the option's composite benchmark over rolling
three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
BT Active Balanced Option - EXRODI
Objective and strategy
2016 1.60
2015 12.27 ●Australian Shares 38.2%
2014 16.27 ●International Shares 21.6%
2013 19.50 ●Listed Property° 7.6%
Investment management fee (% p.a.)2: 1.03 2012 1.26 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 9.92 ●Fixed Interest°°° 25.6%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 5.35 ●Cash 7.0%
Investment performance – Yearly returns to 30 June (%)
The option aims to provide a return (before fees, costs
and taxes) that exceeds the option's composite
benchmark over rolling three-year periods.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Diversified Fund - EXFSDI
Objective and strategy
2016 2.88
2015 9.18 ●Australian Shares 29.6%
2014 15.66 ●International Shares 29.5%
2013 19.12 ●Listed Property° 5.3%
Investment management fee (% p.a.)2: 0.95 2012 -0.43 ●Alternatives°° 5.4%
Risk: High 5 years (%p.a.) 9.03 ●Fixed Interest°°° 25.3%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 5.05 ●Cash 4.9%
Investment performance – Yearly returns to 30 June (%)
To provide medium-to-long term capital growth. The
option aims to outperform the composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
152
XX
XX
X X
XX
XX
Multi-Index Balanced Fund - EXCSGR
Objective and strategy
2016 2.01
2015 7.92 ●Australian Shares 28.7%
2014 16.41 ●International Shares 28.4%
2013 18.46 ●Listed Property° 6.2%
Investment management fee (% p.a.)2: 0.57 2012 0.93 ●Alternatives°° 6.2%
Risk: High 5 years (%p.a.) 8.91 ●Fixed Interest°°° 24.7%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 6.31 ●Cash 5.8%
Investment performance – Yearly returns to 30 June (%)
To provide capital growth and income over the long-
term. To outperform the option's composite benchmark
over rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
Perpetual Balanced Growth Option - EXPPBA
Objective and strategy
2016 -0.05
2015 7.26 ●Australian Shares 29.4%
2014 13.52 ●International Shares 22.8%
2013 22.16 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.97 2012 1.69 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 8.62 ●Fixed Interest°°° 27.8%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 5.25 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income through
investment in a diversified portfolio with an emphasis on
Australian and international share investments. The
option aims to outperform its composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
Multi-Manager Moderate Fund - EXCMMO
Objective and strategy
2016 1.64
2015 9.41 ●Australian Shares 21.8%
2014 13.73 ●International Shares 21.4%
2013 16.10 ●Listed Property° 4.5%
Investment management fee (% p.a.)2: 0.57 2012 1.71 ●Alternatives°° 10.6%
Risk: High 5 years (%p.a.) 8.35 ●Fixed Interest°°° 25.3%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 5.63 ●Cash 16.4%
Investment performance – Yearly returns to 30 June (%)
To provide a balance of income and capital growth over
the medium-to long-term. To outperform the option's
composute benchmark over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20161
153
XX
XX
X X
XX
XX
Colonial First State Wholesale Balanced Fund - EXFSBA
Objective and strategy
2016 2.78
2015 7.11 ●Australian Shares 19.8%
2014 12.77 ●International Shares 24.9%
2013 12.73 ●Listed Property° 5.3%
Investment management fee (% p.a.)2: 0.85 2012 -2.19 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 6.48 ●Fixed Interest°°° 35.3%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 4.46 ●Cash 14.7%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income. The
option aims to outperform the composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
Perpetual Diversified Growth Option - EXPPGR
Objective and strategy
2016 0.20
2015 6.52 ●Australian Shares 21.3%
2014 11.16 ●International Shares 17.2%
2013 17.99 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.97 2012 3.79 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 7.76 ●Fixed Interest°°° 42.6%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 5.18 ●Cash 18.9%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and regular income
through investment in a diversified portfolio of growth and
income assets. The option aims to outperform its
composite benchmark over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20161
Multi-Manager Conservative Fund - EXCMCO
Objective and strategy
2016 2.82
2015 6.33 ●Australian Shares 9.9%
2014 8.80 ●International Shares 10.0%
2013 9.74 ●Listed Property° 2.5%
Investment management fee (% p.a.)2: 0.55 2012 4.89 ●Alternatives°° 5.1%
Risk: Medium 5 years (%p.a.) 6.49 ●Fixed Interest°°° 30.0%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 5.57 ●Cash 42.5%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns over the medium
term with the potential for some long-term capital growth.
To outperform the option's composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
154
XX
XX
X X
XX
XX
Colonial First State Wholesale Conservative Fund - EXFSCS
Objective and strategy
2016 2.71
2015 6.32 ●Australian Shares 14.6%
2014 8.81 ●International Shares 9.8%
2013 9.91 ●Listed Property° 5.4%
Investment management fee (% p.a.)2: 0.75 2012 1.88 ●Alternatives°° 0.0%
Risk: Medium 5 years (%p.a.) 5.88 ●Fixed Interest°°° 40.4%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 5.07 ●Cash 29.8%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital preservation with an income
focus. The option aims to outperform the composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20161
Multi-Index Conservative Fund - EXCSCS
Objective and strategy
2016 3.22
2015 5.34 ●Australian Shares 12.0%
2014 9.20 ●International Shares 11.6%
2013 9.34 ●Listed Property° 3.1%
Investment management fee (% p.a.)2: 0.51 2012 5.06 ●Alternatives°° 3.1%
Risk: Medium 5 years (%p.a.) 6.40 ●Fixed Interest°°° 30.0%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 5.08 ●Cash 40.2%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns over the medium
term with the potential for some long-term capital growth.
To outperform the option's composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
Perpetual Conservative Growth Option - EXPPCO
Objective and strategy
2016 2.45
2015 4.33 ●Australian Shares 14.9%
2014 7.97 ●International Shares 8.1%
2013 12.12 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.95 2012 5.37 ●Alternatives°° 0.0%
Risk: Medium 5 years (%p.a.) 6.40 ●Fixed Interest°°° 49.4%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 5.25 ●Cash 27.6%
Investment performance – Yearly returns to 30 June (%)
To provide moderate growth over the medium term and
income through investment in a diversified portfolio with
an emphasis on cash and fixed income securities. The
option aims to outperform its composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
155
XX
XX
X X
XX
XX
Multi-Manager Fixed Interest Fund - EXCMFI
Objective and strategy
2016 7.43
2015 5.51 ●Australian Shares 0.0%
2014 7.06 ●International Shares 0.0%
2013 4.24 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.37 2012 11.18 ●Alternatives°° 0.0%
Risk: Medium 5 years (%p.a.) 7.06 ●Fixed Interest°°° 100.0%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 6.98 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns with low potential for
capital loss by investing in Australian and global fixed
interest securities. To outperform the composite
benchmark of 50% Citigroup World Broad Investment
Grade Index, hedges to Australian dollars and 50%
Bloomberg Ausbond Composite 0+ Yr Index over rolling
three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
Aberdeen Australian Fixed Income Option (replaces Deutsche Australian Bond Option) - EXACFI
Objective and strategy
2016 6.75
2015 5.08 ●Australian Shares 0.0%
2014 6.40 ●International Shares 0.0%
2013 2.04 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.45 2012 11.77 ●Alternatives°° 0.0%
Risk: Medium 5 years (%p.a.) 6.36 ●Fixed Interest°°° 100.0%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 6.24 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To outperform the Bloomberg AusBond Composite 0+ Yr
Index over rolling three-year periods before fees and
taxes.
Asset Allocation at 30 June 20161
Multi-Manager Defensive Fund - EXCMLR
Objective and strategy
2016 3.66
2015 5.34 ●Australian Shares 4.6%
2014 6.52 ●International Shares 4.8%
2013 6.37 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.45 2012 7.92 ●Alternatives°° 0.0%
Risk: Low 5 years (%p.a.) 5.95 ●Fixed Interest°°° 39.9%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 5.85 ●Cash 50.7%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns with low potential for
capital loss. To outperform the option's composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20161
156
XX
XX
X X
XX
XX
Return To Contents
Colonial First State Wholesale Premium Cash Fund - EXCPCA
Objective and strategy
2016 1.83
2015 2.29 ●Australian Shares 0.0%
2014 2.43 ●International Shares 0.0%
2013 3.05 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.38 2012 4.43 ●Alternatives°° 0.0%
Risk: Very Low 5 years (%p.a.) 2.80 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: No Minimum 10 years (%p.a.) 4.08 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To outperform (before tax and fees and assuming
income is reinvested) the returns of Australian money
markets as measured by an index of the Reserve Bank
of Australia Cash Rate.
Asset Allocation at 30 June 20161
157
XX
XX
X X
XX
XX
Colonial Select Allocated Pension - Closed options
Colonial Australian Equities Fund - EPAEQU
Objective and strategy
2016 0.70
2015 6.09 ●Australian Shares 98.5%
2014 18.11 ●International Shares 0.0%
2013 24.77 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2012 -4.27 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 8.55 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.89 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Colonial Australian Fixed Interest Fund - EPAFIX
Objective and strategy
2016 6.11
2015 4.71 ●Australian Shares 0.0%
2014 7.49 ●International Shares 0.0%
2013 4.06 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2012 9.83 ●Alternatives°° 0.0%
Risk: Low to medium 5 years (%p.a.) 6.42 ●Fixed Interest°°° 98.7%
Minimum Suggested Timeframe: Up to 3 years+ 10 years (%p.a.) 7.04 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Colonial Balanced Fund - EDISCR
Objective and strategy
2016 2.97
2015 10.76 ●Australian Shares 26.9%
2014 15.28 ●International Shares 27.1%
2013 17.80 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2012 3.24 ●Alternatives°° 17.1%
Risk: Low to medium 5 years (%p.a.) 9.84 ●Fixed Interest°°° 13.1%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 6.38 ●Cash 15.8%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
158
XX
XX
X X
XX
XX
Colonial Capital Guaranteed Fund (participating) - ECPGTD
Objective and strategy
2016 7.22
2015 7.65 ●Australian Shares 2.4%
2014 7.43 ●International Shares 7.6%
2013 6.91 ●Listed Property° 0.0%
Investment management fee (% p.a.)6: N/A 2012 7.11 ●Alternatives°° 9.8%
Risk: Low to medium 5 years (%p.a.) 7.26 ●Fixed Interest°°° 70.6%
Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 7.13 ●Cash 9.6%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Colonial Capital Guaranteed Fund (Ex-CMF) (non-participating) - ECOKAU
Objective and strategy
2016 4.08
2015 4.85 ●Australian Shares 2.6%
2014 5.12 ●International Shares 7.1%
2013 3.89 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2012 3.35 ●Alternatives°° 6.4%
Risk: Low to medium 5 years (%p.a.) 4.26 ●Fixed Interest°°° 40.1%
Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 4.70 ●Cash 43.8%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Colonial Capital Safe Fund - ECAPSF
Objective and strategy
2016 4.34
2015 6.82 ●Australian Shares 10.7%
2014 8.78 ●International Shares 9.0%
2013 8.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2012 5.88 ●Alternatives°° 11.0%
Risk: Low to medium 5 years (%p.a.) 6.84 ●Fixed Interest°°° 34.1%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 5.93 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
159
XX
XX
X X
XX
XX
Colonial Cash Fund - EPACAS
Objective and strategy
2016 2.45
2015 2.79 ●Australian Shares 0.0%
2014 2.78 ●International Shares 0.0%
2013 3.48 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.25 2012 4.71 ●Alternatives°° 0.0%
Risk: Low 5 years (%p.a.) 3.24 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 4.49 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Australian Share Fund - EXFSAS
Objective and strategy
2016 3.01
2015 7.64 ●Australian Shares 97.0%
2014 20.67 ●International Shares 0.0%
2013 30.49 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.95 2012 -7.04 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 10.17 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 6.65 ●Cash 3.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some income by
investing in a broad selection of Australian companies.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Global Health & Biotechnology Fund - EXFSHB
Objective and strategy
2016 -4.03
2015 57.51 ●Australian Shares 0.0%
2014 34.78 ●International Shares 96.9%
2013 38.38 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2012 12.10 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 25.88 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 11.36 ●Cash 3.1%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by predominantly
investing in companies around the world, whose primary
business is in the field of pharmaceutical, biotechnology,
medical devices, or medical services.
Asset Allocation at 30 June 20161
160
XX
XX
X X
XX
XX
Return To Contents
Colonial First State Wholesale Global Technology & Communications Fund - EXFSTC
Objective and strategy
2016 -3.48
2015 32.79 ●Australian Shares 0.0%
2014 33.68 ●International Shares 95.5%
2013 36.49 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2012 4.28 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 19.52 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 7.99 ●Cash 4.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by predominantly
investing in companies around the world, whose primary
business is in the field of technology and/or
communications.
Asset Allocation at 30 June 20161
Colonial Growth Fund - EGRWTH
Objective and strategy
2016 2.29
2015 11.37 ●Australian Shares 32.3%
2014 16.81 ●International Shares 33.8%
2013 20.65 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2012 1.69 ●Alternatives°° 19.9%
Risk: Medium to high 5 years (%p.a.) 10.30 ●Fixed Interest°°° 2.9%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 6.40 ●Cash 11.1%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Colonial International Equities Fund - EPIEQU
Objective and strategy
2016 -1.56
2015 16.58 ●Australian Shares 0.0%
2014 20.27 ●International Shares 98.6%
2013 27.92 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2012 0.59 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 12.17 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.92 ●Cash 1.4%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investments
in global listed company shares. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
161
XX
XX
X X
XX
XX
Colonial Select Personal Superannuation8
Multi-Manager Global Share Fund - SXCMOE
Objective and strategy
2016 -5.49
2015 23.47 ●Australian Shares 0.0%
2014 20.18 ●International Shares 96.4%
2013 28.05 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.91 2012 -4.55 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 11.38 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 2.23 ●Cash 3.6%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth that exceeds the
MSCI All Country World Index over rolling five year
periods before fees and taxes.
Asset Allocation at 30 June 20161
MFS Global Equity Option - SXAMOE
Objective and strategy
2016 -0.41
2015 23.78 ●Australian Shares 0.0%
2014 17.40 ●International Shares 98.1%
2013 34.90 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.95 2012 -0.07 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 14.30 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 2.94 ●Cash 1.9%
Investment performance – Yearly returns to 30 June (%)
To provide capital appreciation over the longer term by
investing in a diversified portfolio of global shares
(unhedged) and to outperform the MSCI World Index
over rolling five year periods, before fees and taxes.
Asset Allocation at 30 June 20161
BT Core Global Share Option - SXROOE
Objective and strategy
2016 -3.78
2015 24.12 ●Australian Shares 0.0%
2014 19.62 ●International Shares 98.0%
2013 30.59 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.29 2012 -0.94 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 13.07 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 3.28 ●Cash 2.0%
Investment performance – Yearly returns to 30 June (%)
To provide a portfolio of international investments that
aims to provide a return (before fees, costs and taxes)
that exceeds the MSCI World (ex Australia) Index over
rolling three-year periods
Asset Allocation at 30 June 20161
162
XX
XX
X X
XX
XX
FirstChoice Colonial First State Wholesale Geared Global Share Fund (formerly Colonial First State Wholeale Geared Global Share Fund) - SXFSGG
Objective and strategy
2016 -8.98
2015 25.27 ●Australian Shares 0.0%
2014 26.80 ●International Shares 94.8%
2013 43.06 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2012 -3.36 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 14.86 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 2.66 ●Cash 5.2%
Investment performance – Yearly returns to 30 June (%)
To magnify long-term capital growth by borrowing to
invest in a diversified portfolio of global shares. The
option aims to outperform the MSCI All Country World
Index over rolling seven-year periods before fees and
taxes.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Global Resources Fund - SXFSRE
Objective and strategy
2016 -3.10
2015 -12.83 ●Australian Shares 0.0%
2014 25.54 ●International Shares 97.9%
2013 -7.15 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2012 -27.63 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) -6.55 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) -1.18 ●Cash 2.1%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by predominantly
investing in resource companies from around the world.
The option aims to outperform the Euromoney Global
Mining Accumulation (75%) and the MSCI All Country
World Energy Index (25%) over rolling five-year
periods before fees and taxes.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Worldwide Leaders Fund (formerly Colonial First State Wholesale Global Share Fund) - SXFSOE
Objective and strategy
2016 9.03
2015 19.27 ●Australian Shares 0.0%
2014 13.56 ●International Shares 84.5%
2013 30.26 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2012 -0.03 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 13.97 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.17 ●Cash 15.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by investing in a
diversified portfolio of shares from around the world.
Asset Allocation at 30 June 20161
163
XX
XX
X X
XX
XX
Colonial First State Wholesale Index Global Share Fund - SXCTOE
Objective and strategy
2016 -1.01
2015 23.66 ●Australian Shares 0.0%
2014 20.06 ●International Shares 98.8%
2013 28.65 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.24 2012 -0.22 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 13.54 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.06 ●Cash 1.2%
Investment performance – Yearly returns to 30 June (%)
To closely track the MSCI World (ex Australia) Index
with the aim of generating returns (before tax and fees
and assuming income is reinvested) comparable to the
world sharemarkets as measured by
that benchmark (unhedged) over rolling one-year
periods.
Asset Allocation at 30 June 20161
FirstChoice Wholesale Asian Share Fund (formerly Schroder Asia Pacific fund) - SXSAOE
Objective and strategy
2016 -5.63
2015 25.06 ●Australian Shares 0.0%
2014 16.91 ●International Shares 98.0%
2013 18.93 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.90 2012 -0.81 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 10.23 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 6.23 ●Cash 2.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth from a diversified
portfolio of predominantly Asian companies. To
outperform the MSCI All Country Asia (ex Japan) Index
over rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
Multi-Manager Australian Share Fund - SXCMDE
Objective and strategy
2016 -2.54
2015 4.91 ●Australian Shares 96.9%
2014 17.31 ●International Shares 0.0%
2013 23.30 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.70 2012 -6.18 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 6.77 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.25 ●Cash 3.1%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and some tax-
effective income from a diversified portfolio of
predominantly Australian companies. To outperform the
S&P/ASX 300 Accumulation Index over rolling three-
year periods before fees and taxes.
Asset Allocation at 30 June 20161
164
XX
XX
X X
XX
XX
Ausbil Australian Active Equity Option - SXCSDE
Objective and strategy
2016 1.26
2015 3.44 ●Australian Shares 98.4%
2014 21.25 ●International Shares 0.0%
2013 25.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.49 2012 -5.81 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 8.43 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.96 ●Cash 1.6%
Investment performance – Yearly returns to 30 June (%)
To provide long-term growth with moderate tax-effective
income. The option aims to outperform the S&P/ASX 300
Accumulation Index over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20161
BT Core Australian Share Option - SXRODE
Objective and strategy
2016 -0.62
2015 7.32 ●Australian Shares 96.4%
2014 20.08 ●International Shares 0.0%
2013 23.65 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.00 2012 -7.03 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 8.04 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.27 ●Cash 3.6%
Investment performance – Yearly returns to 30 June (%)
The option aims to provide a return (before fees, costs
and taxes) that exceeds the S&P/ASX 300 Accumulation
Index over rolling three-year periods
Asset Allocation at 30 June 20161
Colonial First State Wholesale Australian Share Fund - Core - SXCPAS
Objective and strategy
2016 0.09
2015 6.05 ●Australian Shares 97.9%
2014 15.73 ●International Shares 0.0%
2013 23.01 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.49 2012 -3.45 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 7.85 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 6.51 ●Cash 2.1%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some income by
investing predominantly in a broad selection of Australian
companies. The option aims to outperform the S&P/ASX
200 Accumulation Index over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20161
165
XX
XX
X X
XX
XX
Colonial First State Wholesale Geared Share Fund - SXFSGS
Objective and strategy
2016 -3.54
2015 12.06 ●Australian Shares 90.0%
2014 34.25 ●International Shares 0.0%
2013 64.85 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.03 2012 -23.77 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 12.77 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.32 ●Cash 10.0%
Investment performance – Yearly returns to 30 June (%)
To magnify long-term returns from capital growth by
borrowing to invest in large Australian companies. The
option aims to outperform the S&P/ASX 100 Accumulation
Index over rolling seven-year periods before fees and
taxes.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Imputation Fund - SXFSIM
Objective and strategy
2016 0.06
2015 5.24 ●Australian Shares 96.6%
2014 16.54 ●International Shares 0.0%
2013 24.98 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.95 2012 -5.47 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 7.71 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.28 ●Cash 3.4%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some tax-
effective income by investing in a broad selection of
Australian companies. The option aims to outperform the
S&P/ASX 200 Accumlation Index over rolling three-year
periods before fees and taxes.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Index Australian Share Fund - SXCTDE
Objective and strategy
2016 0.30
2015 4.53 ●Australian Shares 99.5%
2014 17.59 ●International Shares 0.0%
2013 22.71 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.23 2012 -4.67 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 7.60 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.28 ●Cash 0.5%
Investment performance – Yearly returns to 30 June (%)
To closely track the S&P/ASX 200 Accumulation Index
with the aim of generating returns (before tax and fees
and assuming income is reinvested) comparable to the
Australian sharemarket as measured by that benchmark
over rolling one-year periods.
Asset Allocation at 30 June 20161
166
XX
XX
X X
XX
XX
Colonial First State Wholesale Small Companies Fund - Core - SXCPSC
Objective and strategy
2016 12.95
2015 13.32 ●Australian Shares 96.4%
2014 24.85 ●International Shares 0.0%
2013 11.77 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.51 2012 -2.38 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 11.76 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 8.29 ●Cash 3.6%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by investing
predominantly in small Australian companies. The option
aims to outperform the S&P/ASX Small Ordinaries
Accumulation Index over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20161
Maple-Brown Abbott Wholesale Australian Share - SXMBIM
Objective and strategy
2016 -8.26
2015 5.24 ●Australian Shares 94.6%
2014 17.56 ●International Shares 0.0%
2013 27.59 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.92 2012 -5.16 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 6.55 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.11 ●Cash 5.4%
Investment performance – Yearly returns to 30 June (%)
To outperform the S&P/ASX 200 Accumulation Index
before fees and taxes over rolling four-year periods.
Asset Allocation at 30 June 20161
Perpetual Industrial Share Option - SXPPIS
Objective and strategy
2016 -1.76
2015 6.83 ●Australian Shares 90.9%
2014 18.87 ●International Shares 0.0%
2013 30.74 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.92 2012 5.23 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 11.41 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 7.10 ●Cash 9.1%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and regular income
predominantly through investment in quality Australian
Industrial shares. The option aims to outperform the
S&P/ASX 300 Industrials Accumulation Index over rolling
three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
167
XX
XX
X X
XX
XX
Schroder Australian Equity Option - SXSADE
Objective and strategy
2016 -5.70
2015 2.60 ●Australian Shares 98.6%
2014 16.66 ●International Shares 0.0%
2013 26.03 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.64 2012 -2.99 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 6.65 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.61 ●Cash 1.4%
Investment performance – Yearly returns to 30 June (%)
To outperform the S&P/ASX 200 Accumulation Index
over rolling three-year periods before fees and taxes, by
investing in a broad range of companies from Australia
and New Zealand.
Asset Allocation at 30 June 20161
Multi-Manager Property Securities Fund - SXCMPS
Objective and strategy
2016 20.71
2015 15.15 ●Australian Shares 0.0%
2014 13.89 ●International Shares 0.0%
2013 23.53 ●Listed Property° 96.6%
Investment management fee (% p.a.)2: 0.46 2012 11.11 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 16.79 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 1.80 ●Cash 3.4%
Investment performance – Yearly returns to 30 June (%)
To provide capital growth and income from a diversified
portfolio of listed property investments. To outperform the
S&P/ASX 300 A-REIT Accumulation Index over rolling
three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
BT Property Investment Option - SXROPR
Objective and strategy
2016 20.84
2015 15.12 ●Australian Shares 0.0%
2014 10.91 ●International Shares 0.0%
2013 18.20 ●Listed Property° 95.7%
Investment management fee (% p.a.)2: 0.80 2012 10.59 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 15.06 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 3.60 ●Cash 4.3%
Investment performance – Yearly returns to 30 June (%)
To provide a return (before fees, costs, and taxes) that
exceeds the S&P/ASX 300 A-REIT Accumulation Index
over rolling three-year periods.
Asset Allocation at 30 June 20161
168
XX
XX
X X
XX
XX
Colonial First State Wholesale Property Securities Fund - SXFSPR
Objective and strategy
2016 21.01
2015 15.05 ●Australian Shares 0.0%
2014 10.78 ●International Shares 0.0%
2013 21.96 ●Listed Property° 96.7%
Investment management fee (% p.a.)2: 0.80 2012 9.56 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 15.56 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 0.40 ●Cash 3.3%
Investment performance – Yearly returns to 30 June (%)
To provide medium-to-long term capital growth and
income to the investor by investing in a portfolio of
Australian listed property securities. The option aims to
outperform the S&P/ASX 200 A-REIT Accumulation
Index over rolling three-year periods before fees and
taxes.
Asset Allocation at 30 June 20161
Multi-Manager High Growth Fund - SXCMHG
Objective and strategy
2016 -1.21
2015 10.54 ●Australian Shares 38.5%
2014 18.87 ●International Shares 38.4%
2013 22.14 ●Listed Property° 9.9%
Investment management fee (% p.a.)2: 0.80 2012 -4.77 ●Alternatives°° 9.8%
Risk: High 5 years (%p.a.) 8.59 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.44 ●Cash 3.4%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by investing in
growth assets. To outperform the option's composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20161
Colonial First State Wholesale High Growth Fund - SXFSHG
Objective and strategy
2016 3.60
2015 9.96 ●Australian Shares 48.5%
2014 17.38 ●International Shares 46.9%
2013 22.75 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2012 -4.29 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 9.45 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.74 ●Cash 4.6%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth. The option aims to
outperform the composite benchmark over rolling three-
year periods before fees and taxes.
Asset Allocation at 30 June 20161
169
XX
XX
X X
XX
XX
FirstChoice Wholesale High Growth (formerly Perpetual Split Growth Option) - SXFIGR
Objective and strategy
2016 -1.17
2015 10.11 ●Australian Shares 38.5%
2014 15.12 ●International Shares 38.4%
2013 27.94 ●Listed Property° 9.9%
Investment management fee (% p.a.)2: 0.80 2012 1.84 ●Alternatives°° 9.8%
Risk: High 5 years (%p.a.) 10.30 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.14 ●Cash 3.4%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by investing in
growth assets. To outperform the option's composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20161
Multi-Manager Growth Fund - SXCMGR
Objective and strategy
2016 0.45
2015 9.66 ●Australian Shares 29.3%
2014 14.77 ●International Shares 29.1%
2013 17.91 ●Listed Property° 5.6%
Investment management fee (% p.a.)2: 0.68 2012 -1.31 ●Alternatives°° 13.6%
Risk: High 5 years (%p.a.) 8.03 ●Fixed Interest°°° 16.9%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 4.58 ●Cash 5.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with less fluctuations
of returns than ‘high growth’ investment options. To
outperform the option's composite benchmark over rolling
three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
BT Active Balanced Option - SXRODI
Objective and strategy
2016 1.57
2015 11.26 ●Australian Shares 38.2%
2014 14.89 ●International Shares 21.6%
2013 17.58 ●Listed Property° 7.6%
Investment management fee (% p.a.)2: 1.03 2012 0.88 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 9.02 ●Fixed Interest°°° 25.6%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 4.80 ●Cash 7.0%
Investment performance – Yearly returns to 30 June (%)
The option aims to provide a return (before fees, costs
and taxes) that exceeds the option's composite
benchmark over rolling three-year periods.
Asset Allocation at 30 June 20161
170
XX
XX
X X
XX
XX
Colonial First State Wholesale Diversified Fund - SXFSDI
Objective and strategy
2016 2.61
2015 8.33 ●Australian Shares 29.6%
2014 14.11 ●International Shares 29.5%
2013 17.04 ●Listed Property° 5.3%
Investment management fee (% p.a.)2: 0.95 2012 -0.55 ●Alternatives°° 5.4%
Risk: High 5 years (%p.a.) 8.10 ●Fixed Interest°°° 25.3%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 4.49 ●Cash 4.9%
Investment performance – Yearly returns to 30 June (%)
To provide medium-to-long term capital growth. The
option aims to outperform the composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
Multi-Index Balanced Fund - SXCSGR
Objective and strategy
2016 1.81
2015 7.15 ●Australian Shares 28.7%
2014 14.96 ●International Shares 28.4%
2013 16.57 ●Listed Property° 6.2%
Investment management fee (% p.a.)2: 0.57 2012 0.56 ●Alternatives°° 6.2%
Risk: High 5 years (%p.a.) 8.01 ●Fixed Interest°°° 24.7%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 5.57 ●Cash 5.8%
Investment performance – Yearly returns to 30 June (%)
To provide capital growth and income over the long-
term. To outperform the option's composite benchmark
over rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
Perpetual Balanced Growth Option - SXPPBA
Objective and strategy
2016 -0.11
2015 6.57 ●Australian Shares 29.4%
2014 12.07 ●International Shares 22.8%
2013 19.51 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.97 2012 1.33 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 7.64 ●Fixed Interest°°° 27.8%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 4.61 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income through
investment in a diversified portfolio with an emphasis on
Australian and international share investments. The
option aims to outperform its composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
171
XX
XX
X X
XX
XX
Multi-Manager Moderate Fund - SXCMMO
Objective and strategy
2016 1.42
2015 8.41 ●Australian Shares 21.8%
2014 12.33 ●International Shares 21.4%
2013 14.30 ●Listed Property° 4.5%
Investment management fee (% p.a.)2: 0.57 2012 1.33 ●Alternatives°° 10.6%
Risk: High 5 years (%p.a.) 7.42 ●Fixed Interest°°° 25.3%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 4.95 ●Cash 16.4%
Investment performance – Yearly returns to 30 June (%)
To provide a balance of income and capital growth over
the medium-to long-term. To outperform the option's
composute benchmark over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Balanced Fund - SXFSBA
Objective and strategy
2016 2.37
2015 6.36 ●Australian Shares 19.8%
2014 10.97 ●International Shares 24.9%
2013 11.15 ●Listed Property° 5.3%
Investment management fee (% p.a.)2: 0.85 2012 -2.19 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 5.61 ●Fixed Interest°°° 35.3%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 3.77 ●Cash 14.7%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income. The
option aims to outperform the composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
Perpetual Diversified Growth Option - SXPPGR
Objective and strategy
2016 0.09
2015 5.85 ●Australian Shares 21.3%
2014 10.01 ●International Shares 17.2%
2013 15.64 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.97 2012 3.27 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 6.84 ●Fixed Interest°°° 42.6%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 4.54 ●Cash 18.9%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and regular income
through investment in a diversified portfolio of growth and
income assets. The option aims to outperform its
composite benchmark over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20161
172
XX
XX
X X
XX
XX
Multi-Manager Conservative Fund - SXCMCO
Objective and strategy
2016 2.47
2015 5.68 ●Australian Shares 9.9%
2014 7.82 ●International Shares 10.0%
2013 8.54 ●Listed Property° 2.5%
Investment management fee (% p.a.)2: 0.55 2012 4.18 ●Alternatives°° 5.1%
Risk: Medium 5 years (%p.a.) 5.72 ●Fixed Interest°°° 30.0%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 4.85 ●Cash 42.5%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns over the medium
term with the potential for some long-term capital growth.
To outperform the option's composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Conservative Fund - SXFSCS
Objective and strategy
2016 2.35
2015 5.59 ●Australian Shares 14.6%
2014 7.69 ●International Shares 9.8%
2013 8.95 ●Listed Property° 5.4%
Investment management fee (% p.a.)2: 0.75 2012 1.44 ●Alternatives°° 0.0%
Risk: Medium 5 years (%p.a.) 5.16 ●Fixed Interest°°° 40.4%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 4.35 ●Cash 29.8%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital preservation with an income
focus. The option aims to outperform the composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20161
Multi-Index Conservative Fund - SXCSCS
Objective and strategy
2016 2.76
2015 4.50 ●Australian Shares 12.0%
2014 8.20 ●International Shares 11.6%
2013 8.17 ●Listed Property° 3.1%
Investment management fee (% p.a.)2: 0.51 2012 4.42 ●Alternatives°° 3.1%
Risk: Medium 5 years (%p.a.) 5.59 ●Fixed Interest°°° 30.0%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 4.32 ●Cash 40.2%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns over the medium
term with the potential for some long-term capital growth.
To outperform the option's composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
173
XX
XX
X X
XX
XX
Perpetual Conservative Growth Option - SXPPCO
Objective and strategy
2016 2.11
2015 3.84 ●Australian Shares 14.9%
2014 7.01 ●International Shares 8.1%
2013 10.63 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.95 2012 4.60 ●Alternatives°° 0.0%
Risk: Medium 5 years (%p.a.) 5.60 ●Fixed Interest°°° 49.4%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 4.56 ●Cash 27.6%
Investment performance – Yearly returns to 30 June (%)
To provide moderate growth over the medium term and
income through investment in a diversified portfolio with
an emphasis on cash and fixed income securities. The
option aims to outperform its composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
Multi-Manager Fixed Interest Fund - SXCMFI
Objective and strategy
2016 6.50
2015 4.69 ●Australian Shares 0.0%
2014 6.23 ●International Shares 0.0%
2013 3.69 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.37 2012 9.48 ●Alternatives°° 0.0%
Risk: Medium 5 years (%p.a.) 6.10 ●Fixed Interest°°° 100.0%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 6.05 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns with low potential for
capital loss by investing in Australian and global fixed
interest securities. To outperform the composite
benchmark of 50% Citigroup World Broad Investment
Grade Index, hedges to Australian dollars and 50%
Bloomberg Ausbond Composite 0+ Yr Index over rolling
three-year periods before fees and taxes.
Asset Allocation at 30 June 20161
Aberdeen Australian Fixed Income Option (replaces Deutsche Australian Bond Option) - SXACFI
Objective and strategy
2016 5.77
2015 4.43 ●Australian Shares 0.0%
2014 5.62 ●International Shares 0.0%
2013 1.56 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.45 2012 10.19 ●Alternatives°° 0.0%
Risk: Medium 5 years (%p.a.) 5.48 ●Fixed Interest°°° 100.0%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 5.39 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To outperform the Bloomberg AusBond Composite 0+ Yr
Index over rolling three-year periods before fees and
taxes.
Asset Allocation at 30 June 20161
174
XX
XX
X X
XX
XX
Return To Contents
Multi-Manager Defensive Fund - SXCMLR
Objective and strategy
2016 3.19
2015 4.62 ●Australian Shares 4.6%
2014 5.96 ●International Shares 4.8%
2013 5.48 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.45 2012 6.76 ●Alternatives°° 0.0%
Risk: Low 5 years (%p.a.) 5.20 ●Fixed Interest°°° 39.9%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 5.04 ●Cash 50.7%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns with low potential for
capital loss. To outperform the option's composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Premium Cash Fund - SXCPCA
Objective and strategy
2016 1.55
2015 1.92 ●Australian Shares 0.0%
2014 2.06 ●International Shares 0.0%
2013 2.55 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.38 2012 3.73 ●Alternatives°° 0.0%
Risk: Very Low 5 years (%p.a.) 2.36 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: No Minimum 10 years (%p.a.) 3.46 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To outperform (before tax and fees and assuming
income is reinvested) the returns of Australian money
markets as measured by an index of the Reserve Bank
of Australia Cash Rate.
Asset Allocation at 30 June 20161
175
XX
XX
X X
XX
XX
Colonial Select Personal Superannuation - Closed options
Colonial Australian Equities Fund - SPAEQU
Objective and strategy
2016 0.41
2015 5.17 ●Australian Shares 98.7%
2014 16.48 ●International Shares 0.0%
2013 -4.13 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2012 8.50 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 7.52 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.64 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Colonial Australian Fixed Interest Fund - SPAFIX
Objective and strategy
2016 5.25
2015 3.96 ●Australian Shares 0.0%
2014 6.17 ●International Shares 0.0%
2013 8.24 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2012 5.72 ●Alternatives°° 0.0%
Risk: Low to medium 5 years (%p.a.) 5.37 ●Fixed Interest°°° 98.5%
Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 5.74 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Colonial Balanced Fund - SDISCR
Objective and strategy
2016 2.51
2015 9.26 ●Australian Shares 26.3%
2014 13.37 ●International Shares 26.6%
2013 2.21 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2012 9.11 ●Alternatives°° 18.4%
Risk: Low to medium 5 years (%p.a.) 8.42 ●Fixed Interest°°° 13.1%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 5.71 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
176
XX
XX
X X
XX
XX
Colonial Capital Guaranteed Fund (participating) - SCPGTD
Objective and strategy
2016 5.62
2015 5.98 ●Australian Shares 2.6%
2014 5.98 ●International Shares 7.0%
2013 5.73 ●Listed Property° 0.0%
Investment management fee (% p.a.)6: N/A 2012 5.71 ●Alternatives°° 10.2%
Risk: Low to medium 5 years (%p.a.) 5.66 ●Fixed Interest°°° 71.3%
Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 6.50 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Colonial Capital Guaranteed Fund (Ex-CMF) (non-participating) - SCOKAT
Objective and strategy
2016 4.36
2015 5.41 ●Australian Shares 2.7%
2014 5.54 ●International Shares 6.7%
2013 3.69 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2012 4.03 ●Alternatives°° 6.2%
Risk: Low to medium 5 years (%p.a.) 4.75 ●Fixed Interest°°° 41.1%
Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 5.24 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Colonial Capital Guaranteed Fund (Ex-MasterPac) (non-participating) - SCOLFG
Objective and strategy
2016 3.85
2015 4.91 ●Australian Shares 2.7%
2014 5.04 ●International Shares 6.7%
2013 3.19 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2012 3.53 ●Alternatives°° 6.2%
Risk: Low to medium 5 years (%p.a.) 4.25 ●Fixed Interest°°° 41.1%
Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 4.74 ●Cash 43.3%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
177
XX
XX
X X
XX
XX
Colonial Capital Safe Fund - SCAPSF
Objective and strategy
2016 3.44
2015 5.77 ●Australian Shares 10.0%
2014 7.52 ●International Shares 8.6%
2013 4.89 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2012 6.86 ●Alternatives°° 12.6%
Risk: Low to medium 5 years (%p.a.) 5.77 ●Fixed Interest°°° 33.6%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 4.89 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Colonial Cash Fund - SPACAS
Objective and strategy
2016 2.16
2015 2.41 ●Australian Shares 0.0%
2014 2.33 ●International Shares 0.0%
2013 3.95 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.25 2012 4.58 ●Alternatives°° 0.0%
Risk: Low to medium 5 years (%p.a.) 2.76 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 3.82 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Colonial Consensus Managed Fund - SXCCNM
Objective and strategy
2016 2.62
2015 9.34 ●Australian Shares 26.3%
2014 13.64 ●International Shares 26.8%
2013 2.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.40 2012 9.13 ●Alternatives°° 16.9%
Risk: Medium to high 5 years (%p.a.) 8.60 ●Fixed Interest°°° 12.7%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 5.77 ●Cash 17.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
178
XX
XX
X X
XX
XX
Colonial Consensus Stable Fund - SXCCMS
Objective and strategy
2016 3.54
2015 5.89 ●Australian Shares 10.1%
2014 7.73 ●International Shares 8.9%
2013 4.91 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.40 2012 6.78 ●Alternatives°° 11.7%
Risk: Low to medium 5 years (%p.a.) 5.94 ●Fixed Interest°°° 34.0%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 5.16 ●Cash 35.3%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Australian Share Fund - SXFSDE
Objective and strategy
2016 2.69
2015 6.44 ●Australian Shares 97.0%
2014 18.08 ●International Shares 0.0%
2013 -6.52 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.95 2012 7.16 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 8.84 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.77 ●Cash 3.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some income by
investing in a broad selection of Australian companies.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Global Health & Biotechnology Fund - SXFSHB
Objective and strategy
2016 -4.14
2015 55.03 ●Australian Shares 0.0%
2014 32.89 ●International Shares 96.9%
2013 11.12 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2012 5.24 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 24.32 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 10.71 ●Cash 3.1%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by predominantly
investing in companies around the world, whose primary
business is in the field of pharmaceutical, biotechnology,
medical devices, or medical services.
Asset Allocation at 30 June 20161
179
XX
XX
X X
XX
XX
Colonial First State Wholesale Global Technology & Communications Fund - SXFSTC
Objective and strategy
2016 4.30
2015 30.58 ●Australian Shares 0.0%
2014 31.70 ●International Shares 95.5%
2013 3.83 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2012 5.96 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 19.96 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 8.26 ●Cash 4.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by predominantly
investing in companies around the world, whose primary
business is in the field of technology and/or
communications.
Asset Allocation at 30 June 20161
Colonial Growth Fund - SGRWTH
Objective and strategy
2016 1.87
2015 9.96 ●Australian Shares 32.3%
2014 14.76 ●International Shares 33.6%
2013 1.16 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2012 9.40 ●Alternatives°° 20.1%
Risk: Medium to high 5 years (%p.a.) 8.96 ●Fixed Interest°°° 2.8%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 5.85 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Colonial International Equities Fund - SPIEQU
Objective and strategy
2016 -1.49
2015 14.48 ●Australian Shares 0.0%
2014 18.60 ●International Shares 98.8%
2013 -1.04 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2012 10.09 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 10.87 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.20 ●Cash 1.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investments
in global listed company shares. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
180
XX
XX
X X
XX
XX
Return To Contents
Colonial Property Fund - SXCPRO
Objective and strategy
2016 10.11
2015 11.34 ●Australian Shares 0.0%
2014 11.25 ●International Shares 0.0%
2013 6.41 ●Listed Property° 99.8%
Investment management fee (% p.a.)2: 0.60 2012 10.19 ●Alternatives°° 0.0%
Risk: Medium to high 5 years (%p.a.) 10.19 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 4.53 ●Cash 0.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
This option is suited to investors seeking the potential of
high long-term growth with some volatility over shorter
time periods.
Asset Allocation at 30 June 20161
181
XX
XX
X X
XX
XX
Colonial Personal Superannuation Portfolio8
Colonial Australian Equities Fund - SPAEQU
Objective and strategy
2016 0.41
2015 5.17 ●Australian Shares 98.7%
2014 16.48 ●International Shares 0.0%
2013 -4.13 ●Listed Property° 0.0%
Investment management fee (% p.a.)5: 0.60 2012 8.50 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 7.52 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.64 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Colonial Australian Fixed Interest Fund - SPAFIX
Objective and strategy
2016 5.25
2015 3.96 ●Australian Shares 0.0%
2014 6.17 ●International Shares 0.0%
2013 8.24 ●Listed Property° 0.0%
Investment management fee (% p.a.)5: 0.50 2012 5.72 ●Alternatives°° 0.0%
Risk: Low to medium 5 years (%p.a.) 5.37 ●Fixed Interest°°° 98.5%
Minimum Suggested Timeframe: Up to 3 years+ 10 years (%p.a.) 5.74 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
Colonial Balanced Fund - SDISCR
Objective and strategy
2016 2.51
2015 9.26 ●Australian Shares 26.3%
2014 13.37 ●International Shares 26.6%
2013 2.21 ●Listed Property° 0.0%
Investment management fee (% p.a.)5: 0.63 2012 9.11 ●Alternatives°° 18.4%
Risk: Low to medium 5 years (%p.a.) 8.42 ●Fixed Interest°°° 13.1%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 5.71 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
182
XX
XX
X X
XX
XX
Colonial Capital Guaranteed Fund (participating) - SCPGTD
Objective and strategy
2016 5.62
2015 5.98 ●Australian Shares 2.6%
2014 5.98 ●International Shares 7.0%
2013 5.73 ●Listed Property° 0.0%
Investment management fee (% p.a.)6: N/A 2012 5.71 ●Alternatives°° 10.2%
Risk: Low to medium 5 years (%p.a.) 5.66 ●Fixed Interest°°° 71.3%
Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 6.50 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Colonial Capital Safe Fund - SCAPSF
Objective and strategy
2016 3.44
2015 5.77 ●Australian Shares 10.0%
2014 7.52 ●International Shares 8.6%
2013 4.89 ●Listed Property° 0.0%
Investment management fee (% p.a.)5: 0.63 2012 6.86 ●Alternatives°° 12.6%
Risk: Low to medium 5 years (%p.a.) 5.77 ●Fixed Interest°°° 33.6%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 4.89 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Colonial Cash Fund - SPACAS
Objective and strategy
2016 2.16
2015 2.41 ●Australian Shares 0.0%
2014 2.33 ●International Shares 0.0%
2013 3.95 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.25 2012 4.58 ●Alternatives°° 0.0%
Risk: Low 5 years (%p.a.) 2.76 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 3.82 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
183
XX
XX
X X
XX
XX
Return To Contents
Colonial Growth Fund - SGRWTH
Objective and strategy
2016 1.87
2015 9.96 ●Australian Shares 32.3%
2014 14.76 ●International Shares 33.6%
2013 1.16 ●Listed Property° 0.0%
Investment management fee (% p.a.)5: 0.63 2012 9.40 ●Alternatives°° 20.1%
Risk: Medium to high 5 years (%p.a.) 8.96 ●Fixed Interest°°° 2.8%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 5.85 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
Colonial International Equities Fund - SPIEQU
Objective and strategy
2016 -1.49
2015 14.48 ●Australian Shares 0.0%
2014 18.60 ●International Shares 98.8%
2013 -1.04 ●Listed Property° 0.0%
Investment management fee (% p.a.)5: 0.60 2012 10.09 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 10.87 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.20 ●Cash 1.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investments
in global listed company shares. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
184
XX
XX
X X
XX
XX
CPSL MasterFund Superannuation8
Colonial Australian Equities Fund - SPAEQU
Objective and strategy
2016 0.41
2015 5.17 ●Australian Shares 98.7%
2014 16.48 ●International Shares 0.0%
2013 -4.13 ●Listed Property° 0.0%
Investment management fee (% p.a.)5: 0.60 2012 8.50 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 7.52 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.64 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investment
in shares of Australian listed company shares.This option
is suited to investors seeking high returns who are
prepared to accept volatility of returns.
Asset Allocation at 30 June 20161
Colonial First State Wholesale Australian Share Fund - SXFSDE
Objective and strategy
2016 2.69
2015 6.44 ●Australian Shares 97.0%
2014 18.08 ●International Shares 0.0%
2013 -6.52 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.81 2012 7.16 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 8.84 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.77 ●Cash 3.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some income by
investing in a broad selection of Australian companies.
Asset Allocation at 30 June 20161
BT Core Australian Share Option - SXRODE
Objective and strategy
2016 -0.62
2015 7.32 ●Australian Shares 96.4%
2014 20.08 ●International Shares 0.0%
2013 23.65 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.85 2012 -7.03 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 8.04 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.27 ●Cash 3.6%
Investment performance – Yearly returns to 30 June (%)
The option aims to provide a return (before fees, costs
and taxes) that exceeds the S&P/ASX 300 Accumulation
Index over rolling three-year periods
Asset Allocation at 30 June 20161
185
XX
XX
X X
XX
XX
BT Property Investment Option - SXROPR
Objective and strategy
2016 20.84
2015 15.12 ●Australian Shares 0.0%
2014 10.91 ●International Shares 0.0%
2013 18.20 ●Listed Property° 95.7%
Investment management fee (% p.a.)2: 0.68 2012 10.59 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 15.06 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 3.60 ●Cash 4.3%
Investment performance – Yearly returns to 30 June (%)
To provide a return (before fees, costs, and taxes) that
exceeds the S&P/ASX 300 A-REIT Accumulation Index
over rolling three-year periods.
Asset Allocation at 30 June 20161
Colonial Australian Fixed Interest Fund - SPAFIX
Objective and strategy
2016 5.25
2015 3.96 ●Australian Shares 0.0%
2014 6.17 ●International Shares 0.0%
2013 8.24 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2012 5.72 ●Alternatives°° 0.0%
Risk: Low to medium 5 years (%p.a.) 5.37 ●Fixed Interest°°° 98.5%
Minimum Suggested Timeframe: Up to 3 years+ 10 years (%p.a.) 5.74 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. This option
is suited to investors who want a reasonable level of
securty with the potential to provide higher returns than
cash options.
Asset Allocation at 30 June 20161
186
XX
XX
X X
XX
XX
BT Active Balanced Option - SXRODI
Objective and strategy
2016 1.57
2015 11.26 ●Australian Shares 38.2%
2014 14.89 ●International Shares 21.6%
2013 17.58 ●Listed Property° 7.6%
Investment management fee (% p.a.)2: 0.88 2012 0.88 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 9.02 ●Fixed Interest°°° 25.6%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 4.80 ●Cash 7.0%
Investment performance – Yearly returns to 30 June (%)
The option aims to provide a return (before fees, costs
and taxes) that exceeds the option's composite
benchmark over rolling three-year periods.
Asset Allocation at 30 June 20161
Colonial Balanced Fund - SDISCR
Objective and strategy
2016 2.51
2015 9.26 ●Australian Shares 26.3%
2014 13.37 ●International Shares 26.6%
2013 2.21 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2012 9.11 ●Alternatives°° 18.4%
Risk: Low to medium 5 years (%p.a.) 8.42 ●Fixed Interest°°° 13.1%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 5.71 ●Cash 15.6%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term.
This option is suited to investors seeking long-term
growth who are prepared to accept some volatility of
returns.
Asset Allocation at 30 June 20161
Colonial Capital Guaranteed Fund (participating) - SCPGTD
Objective and strategy
2016 5.62
2015 5.98 ●Australian Shares 2.6%
2014 5.98 ●International Shares 7.0%
2013 5.73 ●Listed Property° 0.0%
Investment management fee (% p.a.)6: N/A 2012 5.71 ●Alternatives°° 10.2%
Risk: Low to medium 5 years (%p.a.) 5.66 ●Fixed Interest°°° 71.3%
Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 6.50 ●Cash 8.9%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
187
XX
XX
X X
XX
XX
Colonial Capital Safe Fund - SCAPSF
Objective and strategy
2016 3.44
2015 5.77 ●Australian Shares 10.0%
2014 7.52 ●International Shares 8.6%
2013 4.89 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2012 6.86 ●Alternatives°° 12.6%
Risk: Low to medium 5 years (%p.a.) 5.77 ●Fixed Interest°°° 33.6%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 4.89 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. This option is suited to investors
who want returns that are less volatile than from options
with a greater bias to growth investments.
Asset Allocation at 30 June 20161
Colonial Cash Fund - SPACAS
Objective and strategy
2016 2.16
2015 2.41 ●Australian Shares 0.0%
2014 2.33 ●International Shares 0.0%
2013 3.95 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.25 2012 4.58 ●Alternatives°° 0.0%
Risk: Low 5 years (%p.a.) 2.76 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 3.82 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. This option is
suited to investors who want a high degree of security.
Asset Allocation at 30 June 20161
Colonial Growth Fund - SGRWTH
Objective and strategy
2016 1.87
2015 9.96 ●Australian Shares 32.3%
2014 14.76 ●International Shares 33.6%
2013 1.16 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2012 9.40 ●Alternatives°° 20.1%
Risk: Medium to high 5 years (%p.a.) 8.96 ●Fixed Interest°°° 2.8%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 5.85 ●Cash 11.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of predominantly
growth assets expected to generate a mix of long-term
capital growth and income but which may be quite volatile
in the short-to-medium term. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
188
XX
XX
X X
XX
XX
Return To Contents
Colonial International Equities Fund - SPIEQU
Objective and strategy
2016 -1.49
2015 14.48 ●Australian Shares 0.0%
2014 18.60 ●International Shares 98.8%
2013 -1.04 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2012 10.09 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 10.87 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.20 ●Cash 1.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investments
in global listed company shares. This option is suited to
investors seeking high returns who are prepared to
accept volatility of returns.
Asset Allocation at 30 June 20161
189
XX
XX
X X
XX
XX
Colonial Flexible Income Retirement Plan8
BT Active Balanced Option - FEXRODI
Objective and strategy
2016 1.60
2015 12.27 ●Australian Shares 38.2%
2014 16.27 ●International Shares 21.6%
2013 19.50 ●Listed Property° 7.6%
Investment management fee (% p.a.)2: 1.03 2012 1.26 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 9.92 ●Fixed Interest°°° 25.6%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 5.35 ●Cash 7.0%
Investment performance – Yearly returns to 30 June (%)
To provide a return (before fees, costs and taxes) that
exceeds the option’s benchmark over the medium-to-
long term.
Asset Allocation at 30 June 20161
BT Core Australian Share Option - FEXRODE
Objective and strategy
2016 -0.62
2015 7.88 ●Australian Shares 96.4%
2014 21.76 ●International Shares 0.0%
2013 25.86 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.00 2012 -7.18 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 8.81 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.83 ●Cash 3.6%
Investment performance – Yearly returns to 30 June (%)
To provide a return (before fees, costs and taxes) that
exceeds the S&P/ASX 300 Accumulation Index over the
medium-to-long term.
Asset Allocation at 30 June 20161
BT Property Investment Option - FEXROPR
Objective and strategy
2016 22.85
2015 17.32 ●Australian Shares 0.0%
2014 12.67 ●International Shares 0.0%
2013 21.35 ●Listed Property° 95.7%
Investment management fee (% p.a.)2: 0.80 2012 11.71 ●Alternatives°° 0.0%
Risk: Very High 5 years (%p.a.) 17.10 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.16 ●Cash 4.3%
Investment performance – Yearly returns to 30 June (%)
To provide a return (before fees, costs, and taxes) that
exceeds the S&P/ASX 300 A-REIT Accumulation Index
over the medium to long term.
Asset Allocation at 30 June 20161
190
XX
XX
X X
XX
XX
Colonial Australian Equities Fund - FEPAEQU
Objective and strategy
2016 0.70
2015 6.09 ●Australian Shares 98.5%
2014 18.11 ●International Shares 0.0%
2013 24.77 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2012 -4.27 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 8.55 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 5.89 ●Cash 1.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investing
predominately in shares of Australian listed companies.
This investment option is suited to investors seeking high
returns who are prepared to accept volatility of returns.
This relates to a unit-linked product.
Asset Allocation at 30 June 20161
Colonial Australian Fixed Interest Fund - FEPAFIX
Objective and strategy
2016 6.11
2015 4.71 ●Australian Shares 0.0%
2014 7.49 ●International Shares 0.0%
2013 4.06 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2012 9.83 ●Alternatives°° 0.0%
Risk: Low to medium 5 years (%p.a.) 6.42 ●Fixed Interest°°° 98.7%
Minimum Suggested Timeframe: Up to 3 years+ 10 years (%p.a.) 7.04 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To provide income with the potential for higher returns
than cash through investment in fixed interest
investments. This investment option is suited to investors
who want a reasonable level of security with the potential
to provide higher returns than cash options. This relates
to a unit-linked product.
Asset Allocation at 30 June 20161
Colonial Balanced Fund - FEDISCR
Objective and strategy
2016 2.97
2015 10.76 ●Australian Shares 26.9%
2014 15.28 ●International Shares 27.1%
2013 17.80 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2012 3.24 ●Alternatives°° 17.1%
Risk: Medium to high 5 years (%p.a.) 9.84 ●Fixed Interest°°° 13.1%
Minimum Suggested Timeframe: 5 years+ 10 years (%p.a.) 6.38 ●Cash 15.8%
Investment performance – Yearly returns to 30 June (%)
To provide income and growth with a focus on capital
appreciation. This investment option is weighted towards
equity investments and is suited to investors who are
prepared for volatile investment returns. This relates to a
unit-linked product.
Asset Allocation at 30 June 20161
191
XX
XX
X X
XX
XX
Colonial Capital Guaranteed Fund (participating) - FECPGTD
Objective and strategy
2016 7.22
2015 7.65 ●Australian Shares 2.4%
2014 7.43 ●International Shares 7.6%
2013 6.91 ●Listed Property° 0.0%
Investment management fee (% p.a.)6: N/A 2012 7.11 ●Alternatives°° 9.8%
Risk: Low to medium 5 years (%p.a.) 7.26 ●Fixed Interest°°° 70.6%
Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 7.13 ●Cash 9.6%
Investment performance – Yearly returns to 30 June (%)
To provide crediting rates, before tax and fees, in excess
of inflation over rolling 3 year periods and provide
security of capital. This investment option is suited to
investors who want a high degree of security.
Asset Allocation at 30 June 20161
Colonial Capital Safe Fund - FECAPSF
Objective and strategy
2016 4.34
2015 6.82 ●Australian Shares 10.7%
2014 8.78 ●International Shares 9.0%
2013 8.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2012 5.88 ●Alternatives°° 11.0%
Risk: Low to medium 5 years (%p.a.) 6.84 ●Fixed Interest°°° 34.1%
Minimum Suggested Timeframe: 3 years+ 10 years (%p.a.) 5.93 ●Cash 35.2%
Investment performance – Yearly returns to 30 June (%)
To provide a reasonably high level of security and
consistent returns. This investment option is weighted
towards fixed interest and cash investments and is suited
to investors who want returns that are less volatile than
options with a greater bias to growth investments. This
relates to a unit-linked product.
Asset Allocation at 30 June 20161
Colonial Cash Fund - FEPACAS
Objective and strategy
2016 2.45
2015 2.79 ●Australian Shares 0.0%
2014 2.78 ●International Shares 0.0%
2013 3.48 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.25 2012 4.71 ●Alternatives°° 0.0%
Risk: Low to medium 5 years (%p.a.) 3.24 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 4.49 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security. This investment
option is suited to investors who want a high degree of
security. This relates to a unit-linked product.
Asset Allocation at 30 June 20161
192
XX
XX
X X
XX
XX
Colonial First State Wholesale Imputation Fund - FEXFSDE
Objective and strategy
2016 0.17
2015 6.08 ●Australian Shares 96.6%
2014 18.92 ●International Shares 0.0%
2013 29.01 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.95 2012 -5.80 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 8.96 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 6.16 ●Cash 3.4%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some tax-
effective income by investing in a broad selection of
Australian companies.
Asset Allocation at 30 June 20161
Colonial Growth Fund - FEGRWTH
Objective and strategy
2016 2.29
2015 11.37 ●Australian Shares 32.3%
2014 16.81 ●International Shares 33.8%
2013 20.65 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2012 1.69 ●Alternatives°° 19.9%
Risk: High 5 years (%p.a.) 10.30 ●Fixed Interest°°° 2.9%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 6.40 ●Cash 11.1%
Investment performance – Yearly returns to 30 June (%)
To provide significant growth from capital appreciation
supported by income. This investment option is suited to
investors seeking high returns and who are prepared to
accept volatility of returns. This relates to a unit-linked
product.
Asset Allocation at 30 June 20161
Colonial International Equities Fund - FEPIEQU
Objective and strategy
2016 -1.56
2015 16.58 ●Australian Shares 0.0%
2014 20.27 ●International Shares 98.6%
2013 27.92 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2012 0.59 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 12.17 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 4.92 ●Cash 1.4%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth through investing
predominately in overseas listed companies. This
investment option is suited to investors seeking high
returns and who are prepared to accept volatility of
returns. This relates to a unit-linked product.
Asset Allocation at 30 June 20161
193
XX
XX
X X
XX
XX
Return To Contents
FirstChoice Wholesale Asian Share Fund (formerly Schroder Asia Pacific fund) - FEXSAOE
Objective and strategy
2016 -5.96
2015 26.63 ●Australian Shares 0.0%
2014 18.10 ●International Shares 98.0%
2013 20.57 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.94 2012 -0.78 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 10.97 ●Fixed Interest°°° 0.0%
Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 6.64 ●Cash 2.0%
Investment performance – Yearly returns to 30 June (%)
To outperform the MSCI All Countries Asia ex-Japan
Index over the medium to long term.
Asset Allocation at 30 June 20161