for the year ending 30 june 2017 investment performance and … · 2017-09-05 · colonial...

For the year ending 30 June 2017

1

Investment performance and other important information

Superannuation products available within the Colonial Super Retirement Fund and 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.

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Performance explained

Unit-linked products

How we calculate performance

Returns are net of investment management fees, taxes and

charges (where applicable).

Certain fees that are deducted directly from member accounts

such as contribution, administration or withdrawal fees (if any)

are excluded when calculating performance returns.

Performance is calculated on the change in the withdrawal unit

prices for the period ending 30 June 2017 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

Investments can go up and down and 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.

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 and is

calculated per calendar year. 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.

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 and the relevant PDS. Before making a decision

to act on any of this information, it is recommended that you

seek financial advice specific to you. You should seek advice

from your taxation adviser in relation to taxation matters.

Composite Benchmark The investment objectives for some investment options with

exposure to more than one asset class include 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.

Ways to measure risk

Standard Risk Measure (SRM)

We have adopted the Standard Risk Measure (SRM), which is

based on industry guidance, to allow investors to compare

investment options that are expected to deliver a similar

number of negative annual returns over any 20-year period (as

outlined below). The SRM for each option is also a measure of

the risk objective of the option. It is a measure of expected

variability of the return of the option.

The SRM is not a complete assessment of all forms of

investment risk; for instance, it does not detail what the size of

a negative return could be or the potential for a positive return

to be less than an investor may require to meet their objectives.

Further, it does not take into account the impact of the

proportion of the management fee attributable to administration

costs or tax on the likelihood of a negative return.

Investors should ensure that they are still comfortable with the

risks and potential losses associated with their chosen

investment option(s). The SRM should not be considered

personal advice. Investors should regularly review their

investment decision with their financial adviser.

Risk Label Estimated number of negative annual

returns over any 20-year period

Very low Less than 0.5

Low 0.5 to less than 1

Low to medium 1 to less than 2

Medium 2 to less than 3

Medium to high 3 to less than 4

High 4 to less than 6

Very high 6 or greater

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The notes below relate to the footnotes mentioned on pages 5-185 of this document.

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.

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.

* 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.

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 alternative risk premia strategies, private equity, mortgages, direct property, development capital, infrastructure and hedge funds.

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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 9.0 9.0 10.5 10.5 13.0 13.0 15.0 15.0 12.5 12.5

Whole of Life - SmallC01P, C01Q,

C01T5PT 5.5 5.5 6.5 6.5 8.0 8.0 9.5 9.5 8.0 8.0

Endow ment - Large C02E, C02I 5 PT 16.0 16.0 17.5 17.5 16.0 16.0 16.0 16.0 14.5 14.5

Endow ment - SmallC02G, C02H,

C02J5 PT 10.0 10.0 11.0 11.0 10.0 10.0 10.0 10.0 9.0 9.0

Pure Endow ment C03B 5 PT 8.0 8.0 9.0 9.0 9.0 9.0 9.0 9.0 8.0 8.0

Whole of Life 1996

SeriesC01G 5 PT 0.5 0.5 0.5 0.5 1.0 1.0 2.0 2.0 1.0 1.0

Whole of Life,

Endow ment and Pure

Endow ment 1960

C01A, C01B,

C02A, C02B5 PT 26.0 26.0 26.0 26.0 29.0 29.0 32.0 32.0 26.5 26.5

Whole of Life,

Endow ment and Pure

Endow ment 1974

C01D, C01E,

C02C, C02D5 PT 15.5 15.5 17.0 17.0 19.0 19.0 22.5 22.5 18.0 18.0

Whole of Life - Large G01I 1 PT 13.5 13.5 15.0 15.0 16.0 16.0 17.5 17.5 14.5 14.5

Whole of Life - Small G01Q 1 PT 9.0 9.0 10.0 10.0 10.5 10.5 11.5 11.5 9.5 9.5

Pure Endow ment G03B 1 PT 2.5 2.5 3.0 3.0 3.0 3.0 3.0 3.0 1.0 1.0

Endow ment - Large G02E, G02I 1 PT 2.5 2.5 3.0 3.0 3.0 3.0 3.0 3.0 1.0 1.0

Endow ment - Small G02G, G02J 1 PT 2.5 2.5 3.0 3.0 3.0 3.0 3.0 3.0 1.0 1.0

Whole of Life 1996

SeriesG01G 1 PT 3.0 3.0 3.5 3.5 4.0 4.0 5.0 5.0 4.0 4.0

Whole of Life,

Endow ment and Pure

Endow ment 1960

G01B, G02A 1 PT 14.0 14.0 11.5 11.5 11.5 11.5 11.5 11.5 9.0 9.0

Whole of Life,

Endow ment and Pure

Endow ment 1974

G01E, G02C,

G03A1 PT 14.5 14.5 16.0 16.0 16.0 16.0 16.0 16.0 13.5 13.5

2014 bonus rate6 (per $1000) 2013 bonus rate6 (per $1000) 2012 bonus rate6 (per $1000)2016 bonus rate6 (per $1000) 2015 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

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Asset Allocation at 30 June 20171

Ordinary – 5 PT Superannuation – 1 PT

Australian Shares 18.8%


Global Shares 14.4% Global Shares 10.1%

Alternativesoo 21.6% Alternativesoo 22.3%

Fixed interest 40.5% Fixed interest 51.1%

Cash 4.7% Cash 3.5%

Contract/

component

code


($)

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 30.0-370.0 30.0-370.0 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

Whole of Life - SmallC01P, C01Q,

C01T5 PT 30.0-370.0 30.0-370.0 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

Endow ment - Large C02E, C02I 5 PT 120.0-560.0 120.0-560.0 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

Endow ment - SmallC02G, C02H,

C02J5 PT 120.0-560.0 120.0-560.0 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

Pure Endow ment C03B 5 PT 160.0-540.0 160.0-540.0 140.0-480.0 140.0-480.0 140.0-480.0 140.0-480.0 140.0-480.0 140.0-480.0 130.0-440.0 130.0-440.0

Whole of Life 1996

SeriesC01G 5 PT 20.0 20.0 20.0 20.0 30.0 30.0 50.0 50.0 20.0 20.0

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 90.0-460.0 90.0-460.0 0.0-430.0 0.0-430.0

Whole of Life,

Endow ment and Pure

Endow ment 1974

C01D, C01E,

C02C, C02D5 PT 160.0-840.0 160.0-840.0 150.0-820.0 150.0-820.0 150.0-820.0 150.0-820.0 150.0-820.0 150.0-820.0 130.0-760.0 130.0-760.0

Whole of Life - Large G01I 1 PT 50.0-670.0 50.0-670.0 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

Whole of Life - Small G01Q 1 PT 50.0-670.0 50.0-670.0 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

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 50.0-540.0 50.0-540.0 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

Endow ment - Small G02G, G02J 1 PT 50.0-540.0 50.0-540.0 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

Whole of Life 1996

SeriesG01G 1 PT 250.0 250.0 240.0 240.0 240.0 240.0 240.0 240.0 210.0 210.0

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 80.0-550.0 80.0-550.0 60.0-530.0 60.0-530.0 0.0-440.0 0.0-440.0

Whole of Life,

Endow ment and Pure

Endow ment 1974

G01E, G02C,

G03A1 PT 90.0-1130.0 90.0-1130.0 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

2014 bonus rate6 (per $1000) 2013 bonus rate6 (per $1000)2016 bonus rate6 (per $1000) 2015 bonus rate6 (per $1000) 2012 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.)

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Cash 4.7% Cash 3.5%

Whole of Life and Endowment policies originally issued by the Legal & General insurance company

Contract/

component

code


($)

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 1.0 1.0 1.5 1.5 2.0 2.0 1.0 1.0

Paid Up - Rev ersionaryI02, I04, I06,

I07, I08, I095 PT 1.0 1.0 1.0 1.0 1.5 1.5 2.0 2.0 1.0 1.0

Premium Pay ing -

Rev ersionary

N02, N04,

N06, N081 PT 2.00 2.00 1.00 1.00 1.00 1.00 1.50 1.50 1.00 1.00

Paid Up - Rev ersionaryN02, N04,

N06, N081 PT 2.00 2.00 1.00 1.00 1.00 1.00 1.50 1.50 1.00 1.00

Premium Pay ing -

Terminal

I02, I04, I06,

I07, I08, I095 PT 170.0-190.0 170.0-190.0 160.0-190.0 160.0-190.0 160.0-210.0 160.0-210.0 170.0-220.0 170.0-220.0 120.0-220.0 120.0-220.0

Paid Up - TerminalI02, I04, I06,

I07, I08, I095 PT 170.0-190.0 170.0-190.0 160.0-190.0 160.0-190.0 160.0-210.0 160.0-210.0 170.0-220.0 170.0-220.0 120.0-220.0 120.0-220.0

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

2012 bonus rate6 (per $1000)

Rev ersionary Bonus

Ordinary7

Superannuation7,8

Terminal Bonus

2015 bonus rate6 (per $1000) 2014 bonus rate6 (per $1000) 2013 bonus rate6 (per $1000)2016 bonus rate6 (per $1000)

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Contract/

component

code


($)

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 36.0 36.0 45.0 45.0 45.0 45.0 45.0 45.0 43.0 43.0

Series 2 -

Rev ersionary

C11D, C11E,

C12B, C12C,

C13A

5 PT 9.5 9.5 11.0 11.0 14.0 14.0 17.5 17.5 15.0 15.0

Series 4 -

Rev ersionary

C11G, C12E,

C13B5 PT 11.0 11.0 12.0 12.0 15.0 15.0 17.5 17.5 15.0 15.0

Series 5 -

Rev ersionaryC11I, C12G 5 PT 9.5 9.5 10.5 10.5 13.0 13.0 16.0 16.0 13.5 13.5

Series 6 -

Rev ersionaryC11F 5 PT 9.5 9.5 10.0 10.0 13.5 13.5 16.0 16.0 13.5 13.5

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 8.5 8.5 10.0 10.0 12.5 12.5 14.5 14.5 12.5 12.5

Series 1 -

Rev ersionaryG11B 1 PT 33.00 33.00 41.00 41.00 43.00 43.00 43.00 43.00 39.00 39.00

Series 2 -

Rev ersionary

G11E, G12C,

G13A1 PT 8.00 8.00 9.50 9.50 11.00 11.00 11.50 11.50 10.00 10.00

Series 3 -

Rev ersionaryG11K, G12L 1 PT 10.00 10.00 11.00 11.00 11.00 11.00 10.00 10.00 9.00 9.00

Series 4 -

Rev ersionary

G11G, G12E,

G13B1 PT 12.00 12.00 14.00 14.00 16.50 16.50 17.50 17.50 16.00 16.00

Series 5 -

Rev ersionaryG11I, G12G 1 PT 14.50 14.50 17.00 17.00 19.00 19.00 20.00 20.00 18.00 18.00

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 12.50 12.50 14.00 14.00 12.50 12.50 10.50 10.50 8.00 8.00

Rev ersionary Bonus

Ordinary7

Superannuation7,8

2014 bonus rate6 (per $1000) 2013 bonus rate6 (per $1000) 2012 bonus rate6 (per $1000)2016 bonus rate6 (per $1000) 2015 bonus rate6 (per $1000)

Whole of Life, Endowment and Pure Endowment policies originally issued by Aetna and Prudential

Assurance companies

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Cash 4.7% Cash 3.5%

Contract/

component

code


($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Series 1 - TerminalC11A, C11B,

C12A5 PT 0.0-4080.0 N/A 0.0-3930.0 N/A 0.0-3930.0 N/A 0.0-3930.0 N/A 0.0-3470.0 N/A

Series 2 - Terminal

C11D, C11E,

C12B, C12C,

C13A

5 PT 290.0-5710.0 N/A 280.0-5680.0 N/A 280.0-5680.0 N/A 280.0-5680.0 N/A 170.0-5080.0 N/A

Series 4 - TerminalC11G, C12E,

C13B5 PT 220.0-680.0 N/A 210.0-670.0 N/A 210.0-670.0 N/A 210.0-670.0 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 380.0-560.0 N/A 320.0-480.0 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 410.0-770.0 N/A 350.0-670.0 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 150.0-720.0 N/A 120.0-650.0 N/A 120.0-650.0 N/A 120.0-650.0 N/A 120.0-530.0 N/A

Series 1 - Terminal G11B 1 PT 340.0-7100.0 N/A 250.0-5840.0 N/A 230.0-5530.0 N/A 230.0-5530.0 N/A 210.0-5230.0 N/A

Series 2 - TerminalG11E, G12C,

G13A1 PT 260.0-5460.0 N/A 210.0-5130.0 N/A 220.0-5130.0 N/A 210.0-5020.0 N/A 170.0-4580.0 N/A

Series 3 - Terminal G11K, G12L 1 PT 270.0-1140.0 N/A 200.0-890.0 N/A 170.0-790.0 N/A 120.0-640.0 N/A 110.0-590.0 N/A

Series 4 - TerminalG11G, G12E,

G13B1 PT 200.0-570.0 N/A 170.0-520.0 N/A 150.0-520.0 N/A 150.0-520.0 N/A 70.0-430.0 N/A

Series 5 - Terminal G11I, G12G 1 PT 260.0-600.0 N/A 250.0-530.0 N/A 250.0-530.0 N/A 250.0-530.0 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 240.0-1270.0 N/A 160.0-1020.0 N/A 150.0-920.0 N/A 120.0-770.0 N/A 60.0-630.0 N/A


Terminal Bonus

Ordinary7

Superannuation7,8

2015 bonus rate6 (per $1000) 2014 bonus rate6 (per $1000) 2013 bonus rate6 (per $1000)

Whole of Life, Endowment and Pure Endowment policies originally issued by Aetna and Prudential

Assurance companies (cont.)2012 bonus rate6 (per $1000)

10

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X X

XX

XX

Return to contents Asset Allocation at 30 June 20171

Ordinary – 5 PI Superannuation – 1 PI






Cash 9.2% Cash 9.4%

Contract/

component

code


($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Series 1 C25A 5 PI 6.0 6.0 1.5 1.5 1.5 1.5 5.5 5.5 0.0 0.0

Series 2 C25B 5 PI 7.5 7.5 3.0 3.0 3.0 3.0 7.0 7.0 0.0 0.0

Series 3 C25C 5 PI 9.0 9.0 4.5 4.5 4.5 4.5 8.5 8.5 0.0 0.0

Series 4 C25D 5 PI 11.0 11.0 6.5 6.5 6.5 6.5 10.5 10.5 0.0 0.0

Series 5 C25E 5 PI 15.0 15.0 10.5 10.5 10.5 10.5 14.5 14.5 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 8.0 8.0 5.5 5.5 9.0 9.0 9.0 9.0 0.0 0.0

Series 2 G25B 1 PI 10.0 10.0 7.5 7.5 12.5 12.5 11.0 11.0 1.0 1.0

Series 3 G25C 1 PI 10.5 10.5 8.0 8.0 12.5 12.5 11.5 11.5 1.5 1.5

Series 4 G25D 1 PI 11.0 11.0 8.5 8.5 13.0 13.0 12.0 12.0 2.0 2.0

Series 5 G25E 1 PI 12.0 12.0 9.5 9.5 14.5 14.5 13.0 13.0 3.0 3.0

Series 6 G25F 1 PI 13.0 13.0 10.5 10.5 15.5 15.5 14.0 14.0 4.0 4.0

Series 7 G25G 1 PI 15.0 15.0 12.5 12.5 18.5 18.5 16.0 16.0 6.0 6.0

Series 8 G25H 1 PI 27.0 27.0 24.5 24.5 40.5 40.5 28.0 28.0 18.0 18.0

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


Ordinary7

2015 bonus rate6 (per $1000) 2014 bonus rate6 (per $1000) 2013 bonus rate6 (per $1000)2016 bonus rate6 (per $1000)

11

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XX

X X

XX

XX

Return to contents


Ordinary – 5NPI Superannuation – 1NPI






Cash 44.2% Cash 44.0%

Advance Contribution Account (ACA)

2017 2016 2015 2014 2013

Ordinary7,10

5NPI 0.79 1.10 1.63 2.01 1.57 1.42 N/A 0.50%

Superannuation7,8

1NPI 1.21 1.58 2.20 2.67 2.11 1.95 2.95 0.50%

10 years

(%p.a.)

Investment

management

fee (%p.a.)

Statutory fundYearly returns as at 30 June (%)

5 years (%p.a.)

12

XX

XX

X X

XX

XX

Investment LifeBuilder, Wealth Portfolio, InvestorPlan7 (LB, WP, INVESTNI)

Capital Stable Primary Fund (Wealth Portfolio) - CAPN

Investment objective

2017 0.21

2016 -1.64 ●Australian Shares 9.9%

2015 0.21 ●Global Shares 10.4%

2014 1.47 ●Listed Property° 0.0%

Investment management fee (% p.a.)2: 1.60 2013 1.32 ●Alternatives°° 10.2%

5 years (%p.a.) 0.31 ●Fixed Interest 34.0%

10 years (%p.a.) -0.69 ●Cash 35.5%

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. To achieve a return of Consumer

Price Index (CPI) plus 2.5% p.a. over a rolling three-

year period before fees and taxes.


Risk: Low to medium

Capital Stable Growth Fund (Wealth Portfolio) - CAPGN


2017 2.53

2016 1.41 ●Australian Shares 9.9%





10 years (%p.a.) 2.30 ●Cash 35.5%









Risk: Low to medium

Capital Stable Growth Plus Fund - CAPGPN


2017 2.88






10 years (%p.a.) 2.76 ●Cash 35.5%









Risk: Low to medium

13

XX

XX

X X

XX

XX

Balanced Primary Fund (Wealth Portfolio) - BALN


2017 4.73






10 years (%p.a.) 0.02 ●Cash 20.0%



generate a mix of long-term capital growth and income,

but which may be volatile in the short-to-medium term. To

achieve a return of Consumer Price Index (CPI) plus

3.5% p.a. over a rolling six-year period before fees and

taxes.


Risk: High

Balanced Growth Fund (Wealth Portfolio) - BALGN


2017 7.16






10 years (%p.a.) 3.04 ●Cash 20.0%







taxes.


Risk: High

Balanced Growth Plus Fund - BALGPN


2017 7.60






10 years (%p.a.) 3.50 ●Cash 20.0%







taxes.


Risk: High

14

XX

XX

X X

XX

XX

Equity Profile Primary Fund (Wealth Portfolio) - EQPN


2017 6.34






10 years (%p.a.) 0.17 ●Cash 17.5%


To invest in a diversified portfolio of predominately

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. To achieve a return of

Consumer Price Index (CPI) plus 4.0% p.a. over a

rolling seven-year period before fees and taxes.


Risk: High

Equity Profile Growth Fund (Wealth Portfolio) - EQPGN


2017 8.80






10 years (%p.a.) 3.19 ●Cash 17.5%









Risk: High

Equity Profile Growth Plus Fund - EQPGPN


2017 9.20






10 years (%p.a.) 3.65 ●Cash 17.5%









Risk: High

15

XX

XX

X X

XX

XX

Return to contents

Capital Guaranteed (Wealth Portfolio) - CGORD1


2017 3.35




Investment management fee (% p.a.)2: N/A** 2013 3.75 ●Alternatives°° 10.5%


10 years (%p.a.) 4.08 ●Cash 8.8%


To meet policy holder reasonable expectations by:

Investing to maintain long term stable returns (before tax)

in excess of inflation; Managing short term risks to

support delivery of stable bonus/crediting rates from

period to period, consistent with the objectives of the

Bonus Philosophy Policy; and maintain security of capital.


Risk: Very low

Capital Guaranteed - CGORD2


2017 3.35






10 years (%p.a.) 4.08 ●Cash 8.8%









Risk: Very low

16

XX

XX

X X

XX

XX

Investment Bond (Multi-Bond)7 (INVBOND1)

Cash Fund - CASH-N


2017 0.02






10 years (%p.a.) 1.18 ●Cash 100.0%


To provide the highest level of security with income from

investments in money market securities. The option aims

to outperform the returns of the Australian Money

Markets as measured by the Bloomberg AusBond Bank

Bill Index before fees and taxes.


Risk: Very low

Capital Stable Fund - CAPSNG


2017 2.41






10 years (%p.a.) 2.29 ●Cash 35.5%









Risk: Low to medium

Balanced Fund - BALI-N


2017 7.07






10 years (%p.a.) 3.03 ●Cash 20.0%







taxes.


Risk: High

17

XX

XX

X X

XX

XX

Return to contents

Equity Profile Fund - EPNG


2017 8.73






10 years (%p.a.) 3.17 ●Cash 17.5%









Risk: High



2017 3.35






10 years (%p.a.) 4.08 ●Cash 8.8%









Risk: Very low

18

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


2017 0.03






10 years (%p.a.) 1.18 ●Cash 100.0%








Risk: Very low

Capital Stable Fund - CAPSNG


2017 2.41






10 years (%p.a.) 2.29 ●Cash 35.5%









Risk: Low to medium

Capital Stable II Fund (Bond'92) - CS2NG


2017 2.40






10 years (%p.a.) 2.30 ●Cash 35.5%









Risk: Low to medium

19

XX

XX

X X

XX

XX

Return to contents

Balanced Fund - BALANG


2017 7.05






10 years (%p.a.) 3.02 ●Cash 20.0%







taxes.


Risk: High

Equity Profile Fund - EPNG


2017 8.73






10 years (%p.a.) 3.17 ●Cash 17.5%









Risk: High



2017 3.35






10 years (%p.a.) 4.08 ●Cash 8.8%









Risk: Very low

20

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


2017 0.42






10 years (%p.a.) 1.64 ●Cash 100.0%








Risk: Very low

Capital Stable Fund - SCPSNG


2017 2.88






10 years (%p.a.) 2.75 ●Cash 35.5%









Risk: Low to medium

Balanced Fund (Investment Bond 'S' Series, Inlife Series 2) - SBALNG


2017 7.60






10 years (%p.a.) 3.50 ●Cash 20.0%







taxes.


Risk: High

21

XX

XX

X X

XX

XX

Return to contents

Balanced Fund (Investment Bond - Managed Pru Bond) - BOND4N


2017 7.59






10 years (%p.a.) 3.49 ●Cash 20.0%







taxes.


Risk: High

Equity Profile Fund - SEPNG


2017 9.23






10 years (%p.a.) 3.65 ●Cash 17.5%









Risk: High



2017 3.35






10 years (%p.a.) 4.08 ●Cash 8.8%









Risk: Very low

22

XX

XX

X X

XX

XX

Investment Bond (Bond ’93)7 (IB93)

Fixed Interest Fund - FI93NG


2017 -0.48






10 years (%p.a.) 2.64 ●Cash 0.7%


To provide relatively stable returns by investing in

Australian and global fixed interest securities. To

outperform the option’s composite benchmark over a

rolling three-year period before fees and taxes.


Risk: Medium

Capital Stable Fund - CS93NG


2017 2.30






10 years (%p.a.) 2.18 ●Cash 35.5%









Risk: Low to medium

Balanced Fund - B93NG


2017 6.97






10 years (%p.a.) 2.93 ●Cash 20.0%







taxes.


Risk: High

23

XX

XX

X X

XX

XX

Return to contents

Equity Profile Fund - EP93NG


2017 8.63






10 years (%p.a.) 3.09 ●Cash 17.5%









Risk: High



2017 3.35






10 years (%p.a.) 4.08 ●Cash 8.8%









Risk: Very low

24

XX

XX

X X

XX

XX

Investment Bond (Capital Guaranteed Bond) (ACTUBOND, XAETBNDN)

Return to contents



2017 3.35






10 years (%p.a.) 4.08 ●Cash 8.8%









Risk: Very low

25

XX

XX

X X

XX

XX

Managed Investment Bond7 (MIB)

Return to contents

Capital Guaranteed Cash Fund - SOGA


2017 0.35




Investment management fee (% p.a.)2: 1.50* 2013 1.11 ●Alternatives°° 0.0%


10 years (%p.a.) 1.60 ●Cash 100.0%








Risk: Very low

Managed Growth Fund - SOMA


2017 7.93






10 years (%p.a.) 3.78 ●Cash 20.0%







taxes.


Risk: High

26

XX

XX

X X

XX

XX

Bond 20007 (M2000)

Return to contents

Capital Guaranteed Cash Fund - SOGB


2017 0.33






10 years (%p.a.) 1.55 ●Cash 100.0%








Risk: Very low

Managed Growth Fund - SOMB


2017 7.62






10 years (%p.a.) 3.48 ●Cash 20.0%







taxes.


Risk: High

27

XX

XX

X X

XX

XX

Easy Saver, Easy Saver Plus7 (EASYSAVER, EASYSAVER+)

Capital Guaranteed Fund (Easy Saver) (non-participating)4 - AM


2017 0.83






10 years (%p.a.) 1.99 ●Cash 44.0%









Risk: Very low

Capital Guaranteed Fund (Easy Saver Plus) (non-participating)4 - AM


2017 0.83






10 years (%p.a.) 1.99 ●Cash 44.0%









Risk: Very low

Capital Guaranteed Cash Fund - VM


2017 0.22






10 years (%p.a.) 1.43 ●Cash 100.0%








Risk: Very low

28

XX

XX

X X

XX

XX

Capital Secure Fund - DM


2017 2.61






10 years (%p.a.) 2.49 ●Cash 35.5%









Risk: Low to medium

Balanced Fund - MM


2017 7.29






10 years (%p.a.) 3.25 ●Cash 20.0%







taxes.


Risk: High

Managed Growth Fund (LJ and LM Units) - LM


2017 7.29






10 years (%p.a.) 3.23 ●Cash 20.0%







taxes.


Risk: High

29

XX

XX

X X

XX

XX

Return to contents

Managed Growth Fund (PJ and PM units) - PM


2017 7.32






10 years (%p.a.) 3.21 ●Cash 20.0%







taxes.


Risk: High

30

XX

XX

X X

XX

XX

LifeWise - Series 4 and 57 (LIFEWISE4, LIFEWISE5)

Capital Guaranteed Fund (non-participating)4 - J


2017 0.02






10 years (%p.a.) 0.88 ●Cash 44.0%









Risk: Very low

Capital Guaranteed Cash Fund (Series 5) - VP


2017 0.00






10 years (%p.a.) 0.47 ●Cash 100.0%








Risk: Very low

Capital Secure Fund (Series 5) - DP


2017 1.30






10 years (%p.a.) 1.18 ●Cash 35.5%









Risk: Low to medium

31

XX

XX

X X

XX

XX

Return to contents

Managed Growth Fund - LP


2017 5.89






10 years (%p.a.) 1.95 ●Cash 20.0%







taxes.


Risk: High

32

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


2017 8.62






10 years (%p.a.) 4.44 ●Cash 20.0%







taxes.


Risk: High

Managed Growth Fund (Series 3) - B


2017 7.29






10 years (%p.a.) 3.24 ●Cash 20.0%







taxes.


Risk: High

33

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


2017 0.33






10 years (%p.a.) 1.58 ●Cash 100.0%








Risk: Very low

Managed Growth Fund (Early Series/Late Series) - OM_PROT, OM_UNPROT


2017 7.62






10 years (%p.a.) 3.46 ●Cash 20.0%







taxes.


Risk: High

34

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


2017 0.82






10 years (%p.a.) 1.98 ●Cash 44.0%









Risk: Very low

Capital Guaranteed Fund (Limited Offer and non-participating)4 - CGIBLO


2017 0.87






10 years (%p.a.) 2.03 ●Cash 44.0%









Risk: Very low

Capital Guaranteed Cash Fund (Insurance Bond) - VY


2017 0.17






10 years (%p.a.) 1.41 ●Cash 100.0%








Risk: Very low

35

XX

XX

X X

XX

XX

Return to contents

Capital Secure Fund - DA


2017 2.63






10 years (%p.a.) 2.50 ●Cash 35.5%









Risk: Low to medium

Balanced Fund - MB


2017 7.30






10 years (%p.a.) 3.22 ●Cash 20.0%







taxes.


Risk: High

Managed Growth Fund - LB


2017 7.31






10 years (%p.a.) 3.24 ●Cash 20.0%







taxes.


Risk: High

36

XX

XX

X X

XX

XX

Insurance Bond Series III7 (IB1, IB1+)

Capital Guaranteed Fund (non-participating)4 - CGIB1


2017 0.72






10 years (%p.a.) 1.89 ●Cash 44.0%









Risk: Very low

Capital Guaranteed Cash Fund - VY1


2017 0.07






10 years (%p.a.) 1.30 ●Cash 100.0%








Risk: Very low

Capital Secure Fund - DA1


2017 2.58






10 years (%p.a.) 2.40 ●Cash 35.5%









Risk: Low to medium

37

XX

XX

X X

XX

XX

Return to contents

Balanced Fund - MB1


2017 7.02






10 years (%p.a.) 3.03 ●Cash 20.0%







taxes.


Risk: High

Managed Growth Fund - PB1


2017 7.18






10 years (%p.a.) 3.13 ●Cash 20.0%







taxes.


Risk: High

Australian Share Fund - YB1


2017 10.45






10 years (%p.a.) 1.84 ●Cash 0.8%


To provide long term capital growth through investment

in Australian listed company shares. This option may

have a high level of short to medium-term volatility. To

outperform the option’s benchmark over a rolling seven-



Risk: Very high

38

XX

XX

X X

XX

XX

Insurance Bond Series IV7 (IB4, IB4+)

Capital Guaranteed Fund (non-participating)4 - CGIB4


2017 1.75






10 years (%p.a.) 3.69 ●Cash 44.0%









Risk: Very low

Capital Guaranteed Cash Fund - VY4


2017 0.09






10 years (%p.a.) 1.47 ●Cash 100.0%








Risk: Very low

Australian Fixed Interest Fund - ZB4


2017 -0.24






10 years (%p.a.) 2.94 ●Cash 0.7%







Risk: Medium

39

XX

XX

X X

XX

XX

Capital Secure Fund - DA4


2017 2.58






10 years (%p.a.) 2.48 ●Cash 35.5%









Risk: Low to medium

Balanced Fund - MB4


2017 7.35






10 years (%p.a.) 3.24 ●Cash 20.0%







taxes.


Risk: High

Managed Growth Fund - PB4


2017 7.34






10 years (%p.a.) 3.26 ●Cash 20.0%







taxes.


Risk: High

40

XX

XX

X X

XX

XX

Return to contents

Australian Share Fund - YB4


2017 11.44






10 years (%p.a.) 2.73 ●Cash 0.8%








Risk: Very high

41

XX

XX

X X

XX

XX

Insurance Bond Security Plus7 (IBS+)

Return to contents

Capital Secure Fund - DA


2017 2.63






10 years (%p.a.) 2.50 ●Cash 35.5%









Risk: Low to medium

42

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


2017 7.31






10 years (%p.a.) 3.24 ●Cash 20.0%







taxes.


Risk: High

43

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


2017 9.64






10 years (%p.a.) 4.42 ●Cash 17.2%







taxes.


Risk: High

44

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


2017 1.29






10 years (%p.a.) 2.79 ●Cash 44.5%









Risk: Very low

Capital Guaranteed Cash Fund - UW


2017 0.71






10 years (%p.a.) 2.21 ●Cash 100.0%








Risk: Very Low

Capital Secure Fund - FG


2017 3.80






10 years (%p.a.) 3.59 ●Cash 31.5%









Risk: Low to medium

45

XX

XX

X X

XX

XX

Return to contents

Balanced Fund - NS


2017 9.60






10 years (%p.a.) 4.43 ●Cash 17.2%







taxes.


Risk: High



2017 9.64






10 years (%p.a.) 4.42 ●Cash 17.2%







taxes.


Risk: High

46

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


2017 1.09






10 years (%p.a.) 2.60 ●Cash 44.5%









Risk: Very low

Capital Guaranteed Cash Fund - UW1


2017 0.51






10 years (%p.a.) 1.99 ●Cash 100.0%








Risk: Very low

Australian Fixed Interest Fund - XS1


2017 0.14






10 years (%p.a.) 4.23 ●Cash 0.9%







Risk: Medium

47

XX

XX

X X

XX

XX

Capital Secure Fund - FG1


2017 3.58






10 years (%p.a.) 3.39 ●Cash 31.5%









Risk: Low to medium

Balanced Fund - NS1


2017 9.38






10 years (%p.a.) 4.21 ●Cash 17.2%







taxes.


Risk: High

Managed Growth Fund - QS1


2017 9.38






10 years (%p.a.) 4.22 ●Cash 17.2%







taxes.


Risk: High

48

XX

XX

X X

XX

XX

Return to contents

Australian Share Fund - WS1


2017 14.74






10 years (%p.a.) 3.43 ●Cash 0.2%








Risk: Very high

49

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


2017 1.54






10 years (%p.a.) 4.49 ●Cash 44.5%









Risk: Very low

Capital Guaranteed Cash Fund - UW4


2017 0.52






10 years (%p.a.) 2.04 ●Cash 100.0%








Risk: Very low

Australian Fixed Interest Fund - XS4


2017 0.13






10 years (%p.a.) 4.27 ●Cash 0.9%







Risk: Medium

50

XX

XX

X X

XX

XX

Capital Secure Fund - FG4


2017 3.60






10 years (%p.a.) 3.42 ●Cash 31.5%









Risk: Low to medium

Balanced Fund - NS4


2017 9.48






10 years (%p.a.) 4.26 ●Cash 17.2%







taxes.


Risk: High

Managed Growth Fund - QS4


2017 9.47






10 years (%p.a.) 4.25 ●Cash 17.2%







taxes.


Risk: High

51

XX

XX

X X

XX

XX

Return to contents

Australian Share Fund - WS4


2017 14.79






10 years (%p.a.) 3.56 ●Cash 0.2%








Risk: Very high

52

XX

XX

X X

XX

XX

SuperSpan Limited Offer, SuperSpan II7 (SSLO, SSII)

Return to contents

Capital Guaranteed Fund (non-participating)4 - CGSSLO


2017 1.14






10 years (%p.a.) 2.65 ●Cash 44.5%









Risk: Very low

53

XX

XX

X X

XX

XX

SuperSpan Limited Offer (Multi Option)7 (SSLOM)

Capital Guaranteed Fund (non-participating)4 - CGSB


2017 1.29






10 years (%p.a.) 2.79 ●Cash 44.5%









Risk: Very low

Capital Guaranteed Cash Fund - UW


2017 0.71






10 years (%p.a.) 2.21 ●Cash 100.0%








Risk: Very Low



2017 3.80






10 years (%p.a.) 3.59 ●Cash 31.5%









Risk: Low to medium

54

XX

XX

X X

XX

XX

Return to contents

Balanced Fund - NS


2017 9.60






10 years (%p.a.) 4.43 ●Cash 17.2%







taxes.


Risk: High



2017 9.64






10 years (%p.a.) 4.42 ●Cash 17.2%







taxes.


Risk: High

55

XX

XX

X X

XX

XX

SuperSpan II (Multi Option) Deferred Annuity7 (SSIIM)

Capital Guaranteed Cash Fund - UX


2017 0.00






10 years (%p.a.) 1.16 ●Cash 100.0%








Risk: Very low



2017 3.80






10 years (%p.a.) 3.59 ●Cash 31.5%









Risk: Low to medium

Balanced Fund - NS


2017 9.60






10 years (%p.a.) 4.43 ●Cash 17.2%







taxes.


Risk: High

56

XX

XX

X X

XX

XX

Return to contents



2017 9.64






10 years (%p.a.) 4.42 ●Cash 17.2%







taxes.


Risk: High

57

XX

XX

X X

XX

XX

SuperCash Deferred Annuity7 (SC)

Return to contents

Capital Guaranteed Cash Fund - UX


2017 0.00






10 years (%p.a.) 1.16 ●Cash 100.0%








Risk: Very low

58

XX

XX

X X

XX

XX

Rollover Deferred Annuity, SuperBond7 (RDA, SIB)

Return to contents

Capital Guaranteed Cash Fund - SSGA


2017 0.71






10 years (%p.a.) 2.23 ●Cash 100.0%








Risk: Very low

Managed Fund - SSMA


2017 9.67






10 years (%p.a.) 4.45 ●Cash 17.2%







taxes.


Risk: High

Capital Guaranteed Fund (non-participating)4 - CGSB


2017 1.29






10 years (%p.a.) 2.79 ●Cash 44.5%









Risk: Very low

59

XX

XX

X X

XX

XX

SuperBond 20007 (S2000)

Return to contents

Capital Guaranteed Cash Fund - SSGB


2017 0.71






10 years (%p.a.) 2.22 ●Cash 100.0%








Risk: Very low

Managed Growth Fund - SSMB


2017 9.57






10 years (%p.a.) 4.14 ●Cash 17.2%







taxes.


Risk: High

60

XX

XX

X X

XX

XX

TAP Allocated Annuity7 (TAE2E, TAE2E+)

Capital Guaranteed Fund (non-participating)4 - KST2


2017 1.60






10 years (%p.a.) 4.44 ●Cash 44.0%









Risk: Very low

Capital Guaranteed Cash Fund - UWT2


2017 0.94






10 years (%p.a.) 2.69 ●Cash 100.0%








Risk: Very low

Australian Fixed Interest Fund - XST2


2017 0.42






10 years (%p.a.) 5.33 ●Cash 0.6%







Risk: Medium

61

XX

XX

X X

XX

XX

Capital Secure Fund - FGT2


2017 4.49






10 years (%p.a.) 4.37 ●Cash 31.7%









Risk: Low to medium

Balanced Fund - NST2


2017 10.70






10 years (%p.a.) 4.85 ●Cash 17.4%







taxes.


Risk: High

Managed Growth Fund - QST2


2017 10.69






10 years (%p.a.) 4.83 ●Cash 17.4%







taxes.


Risk: High

62

XX

XX

X X

XX

XX

Return to contents

Australian Share Fund - WST2


2017 17.10






10 years (%p.a.) 3.73 ●Cash 2.2%








Risk: Very high

63

XX

XX

X X

XX

XX

Superannuation LifeBuilder, Wealth Portfolio, Superplan, SuperFlex7,8 (LB, WP, SUPER1NI, SUPER2NI)

Capital Stable Primary Fund (Wealth Portfolio) - CAPS


2017 1.20






10 years (%p.a.) 0.21 ●Cash 31.5%









Risk: Low to medium

Capital Stable Growth Fund (Wealth Portfolio) - CAPGS


2017 3.54






10 years (%p.a.) 3.23 ●Cash 31.5%









Risk: Low to medium

Capital Stable Growth Plus Fund - CAPGPS


2017 3.83






10 years (%p.a.) 3.67 ●Cash 31.5%









Risk: Low to medium

64

XX

XX

X X

XX

XX

Balanced Primary Fund (Wealth Portfolio) - BALS


2017 6.84






10 years (%p.a.) 1.02 ●Cash 17.2%







taxes.


Risk: High

Balanced Growth Fund (Wealth Portfolio) - BALGS


2017 9.31






10 years (%p.a.) 4.06 ●Cash 17.2%







taxes.


Risk: High

Balanced Growth Plus Fund - BALGPS


2017 9.66






10 years (%p.a.) 4.51 ●Cash 17.2%







taxes.


Risk: High

65

XX

XX

X X

XX

XX

Equity Profile Primary Fund (Wealth Portfolio) - EQPS


2017 8.93






10 years (%p.a.) 1.21 ●Cash 13.4%









Risk: High

Equity Profile Growth Fund (Wealth Portfolio) - EQPGS


2017 11.45






10 years (%p.a.) 4.26 ●Cash 13.4%









Risk: High

Equity Profile Growth Plus Fund - EQPGPS


2017 12.01






10 years (%p.a.) 4.73 ●Cash 13.4%









Risk: High

66

XX

XX

X X

XX

XX

Return to contents

Capital Guaranteed - CGSUP5


2017 3.99






10 years (%p.a.) 4.54 ●Cash 8.6%









Risk: Very low

Capital Guaranteed (Wealth Portfolio) - CGSUP1


2017 3.99






10 years (%p.a.) 4.54 ●Cash 8.6%









Risk: Very low

67

XX

XX

X X

XX

XX

Pru-Plan Superannuation "Unit-Linked", PruPlan Superannuation "PruLink"8 (PRUPLANEQU, PRUPLANUL)

Equity Link Balanced Fund - PLAN6S


2017 6.76






10 years (%p.a.) 3.73 ●Cash 17.2%







taxes.


Risk: High

Pru-Plan Unit Linked Balanced Fund - PLAN5S


2017 9.24






10 years (%p.a.) 4.01 ●Cash 17.2%







taxes.


Risk: High

Capital Stable Growth Fund - CAPGS


2017 3.54






10 years (%p.a.) 3.23 ●Cash 31.5%









Risk: Low to medium

68

XX

XX

X X

XX

XX

Return to contents

Equity Profile Growth Fund - EQPGS


2017 11.45






10 years (%p.a.) 4.26 ●Cash 13.4%









Risk: High



2017 3.99






10 years (%p.a.) 4.54 ●Cash 8.6%









Risk: Very low

69

XX

XX

X X

XX

XX

Pruplan Plus (PRUPLAN+)

Capital Stable Growth Plus Fund - CAPGPS


2017 3.83






10 years (%p.a.) 3.67 ●Cash 31.5%









Risk: Low to medium

Capital Stable Growth Fund - CAPGS


2017 3.54






10 years (%p.a.) 3.23 ●Cash 31.5%









Risk: Low to medium

Balanced Growth Plus Fund - BALGPS


2017 9.66






10 years (%p.a.) 4.51 ●Cash 17.2%







taxes.


Risk: High

70

XX

XX

X X

XX

XX

Balanced Growth Fund - BALGS


2017 9.31






10 years (%p.a.) 4.06 ●Cash 17.2%







taxes.


Risk: High

Equity Profile Growth Plus Fund - EQPGPS


2017 12.01






10 years (%p.a.) 4.73 ●Cash 13.4%









Risk: High

Equity Profile Growth Fund - EQPGS


2017 11.45






10 years (%p.a.) 4.26 ●Cash 13.4%









Risk: High

71

XX

XX

X X

XX

XX

Return to contents



2017 3.99






10 years (%p.a.) 4.54 ●Cash 8.6%









Risk: Very low

Capital Guaranteed - Primary - CGSUP2


2017 0.99






10 years (%p.a.) 1.54 ●Cash 8.6%









Risk: Very low



2017 3.99






10 years (%p.a.) 4.54 ●Cash 8.6%









Risk: Very low

72

XX

XX

X X

XX

XX

Pruplan (MK1 and MK2) (PRUPLAN1, PRUPLAN2)

Return to contents



2017 3.99






10 years (%p.a.) 4.54 ●Cash 8.6%









Risk: Very low

Capital Guaranteed (MK2) - CGSUP3


2017 0.00






10 years (%p.a.) 0.12 ●Cash 8.6%









Risk: Very low



2017 3.99






10 years (%p.a.) 4.54 ●Cash 8.6%









Risk: Very low

73

XX

XX

X X

XX

XX

Superannuation Bond (Capital Guaranteed Bond), Deferred Annuity (XAETBNDS, AETDEFANN)

Return to contents



2017 3.99






10 years (%p.a.) 4.54 ●Cash 8.6%









Risk: Very low

74

XX

XX

X X

XX

XX

Superannuation Bond (Managed PruBond)7,8, Roll-Over Plan Goldseal7(PRUBONDM, GSC)

Balanced Fund - BOND5S


2017 9.74






10 years (%p.a.) 4.52 ●Cash 17.2%







taxes.


Risk: High

Capital Guaranteed Cash Fund - SCPFSG


2017 0.81






10 years (%p.a.) 2.31 ●Cash 100.0%








Risk: Very low

Capital Stable Fund - SCPSSG


2017 3.96






10 years (%p.a.) 3.70 ●Cash 31.5%









Risk: Low to medium

75

XX

XX

X X

XX

XX

Return to contents

Equity Profile Fund - SEPSG


2017 11.96






10 years (%p.a.) 4.73 ●Cash 13.4%









Risk: High



2017 3.99






10 years (%p.a.) 4.54 ●Cash 8.6%









Risk: Very low

76

XX

XX

X X

XX

XX

Superannuation Bond (Multi-Bond)7,8 (INVBOND1)

Balanced Fund - BALI-S


2017 9.24






10 years (%p.a.) 4.06 ●Cash 17.2%







taxes.


Risk: High

Capital Guaranteed Cash Fund - CAPFSG


2017 0.37






10 years (%p.a.) 1.85 ●Cash 100.0%








Risk: Very low

Capital Stable Fund ('91) - CAPSSG


2017 3.44






10 years (%p.a.) 3.23 ●Cash 31.5%









Risk: Low to medium

77

XX

XX

X X

XX

XX

Return to contents

Equity Profile Fund - EPSG


2017 11.39






10 years (%p.a.) 4.26 ●Cash 13.4%









Risk: High



2017 3.99






10 years (%p.a.) 4.54 ●Cash 8.6%









Risk: Very low

78

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


2017 0.81






10 years (%p.a.) 2.31 ●Cash 100.0%








Risk: Very low

Capital Stable Fund ('91) - SCPSSG


2017 3.96






10 years (%p.a.) 3.70 ●Cash 31.5%









Risk: Low to medium

Capital Stable Fund ('92) - SCS2SG


2017 3.90






10 years (%p.a.) 3.68 ●Cash 31.5%









Risk: Low to medium

79

XX

XX

X X

XX

XX

Return to contents

Balanced Fund - SBALSG


2017 9.71






10 years (%p.a.) 4.52 ●Cash 17.2%







taxes.


Risk: High

Equity Profile Fund - SEPSG


2017 11.96






10 years (%p.a.) 4.73 ●Cash 13.4%









Risk: High

Capital Guaranteed (Superannuation Bond "S" Series) - CGSUP1


2017 3.99






10 years (%p.a.) 4.54 ●Cash 8.6%









Risk: Very low

80

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


2017 9.24






10 years (%p.a.) 4.06 ●Cash 17.2%







taxes.


Risk: High

Capital Guaranteed Cash Fund - CAPFSG


2017 0.37






10 years (%p.a.) 1.85 ●Cash 100.0%








Risk: Very low

Capital Stable Fund ('91) - CAPSSG


2017 3.44






10 years (%p.a.) 3.23 ●Cash 31.5%









Risk: Low to medium

81

XX

XX

X X

XX

XX

Return to contents

Capital Stable Fund ('92) - CS2SG


2017 3.45






10 years (%p.a.) 3.22 ●Cash 31.5%









Risk: Low to medium

Equity Profile Fund - EPSG


2017 11.39






10 years (%p.a.) 4.26 ●Cash 13.4%









Risk: High



2017 3.99






10 years (%p.a.) 4.54 ●Cash 8.6%









Risk: Very low

82

XX

XX

X X

XX

XX

Rollover and Super Bond 937,8 (ROLLOVER93, SB93)

Cash Fund - FI93SG


2017 0.23






10 years (%p.a.) 1.74 ●Cash 100.0%








Risk: Very low

Capital Stable Fund - CS93SG


2017 3.35






10 years (%p.a.) 3.13 ●Cash 31.5%









Risk: Low to medium

Balanced Fund - B93SG


2017 9.13






10 years (%p.a.) 3.95 ●Cash 17.2%







taxes.


Risk: High

83

XX

XX

X X

XX

XX

Return to contents

Equity Profile Fund - EP93SG


2017 11.36






10 years (%p.a.) 4.16 ●Cash 13.4%









Risk: High



2017 3.99






10 years (%p.a.) 4.54 ●Cash 8.6%









Risk: Very low

84

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


2017 0.70






10 years (%p.a.) 2.01 ●Cash 44.5%









Risk: Very low

Capital Guaranteed Fund (non-participating) (SCG)4 - GC


2017 0.70






10 years (%p.a.) 2.01 ●Cash 44.5%









Risk: Very low

85

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


2017 1.09






10 years (%p.a.) 2.88 ●Cash 44.5%









Risk: Very low

Capital Guaranteed Cash Fund - UK


2017 0.23






10 years (%p.a.) 1.80 ●Cash 100.0%








Risk: Very low

Capital Secure Fund - FK


2017 3.31






10 years (%p.a.) 3.18 ●Cash 31.5%









Risk: Low to medium

86

XX

XX

X X

XX

XX

Return to contents

Balanced Fund - NK


2017 9.10






10 years (%p.a.) 4.02 ●Cash 17.2%







taxes.


Risk: High

Managed Growth Fund (Retirement Saver) - CK


2017 9.12






10 years (%p.a.) 4.00 ●Cash 17.2%







taxes.


Risk: High

Managed Growth Fund (Series 2 and Plus) - QK


2017 9.11






10 years (%p.a.) 4.02 ●Cash 17.2%







taxes.


Risk: High

87

XX

XX

X X

XX

XX

SuperWise - Series 4 and 58 (SUPERWISE4, SUPERWISE5)

Capital Guaranteed Fund (non-participating)4 - K


2017 0.56






10 years (%p.a.) 2.01 ●Cash 44.5%









Risk: Very low

Capital Guaranteed Cash Fund (Series 5) - UQ


2017 0.02






10 years (%p.a.) 0.99 ●Cash 100.0%








Risk: Very low

Capital Secure Fund (Series 5) - FQ


2017 2.28






10 years (%p.a.) 2.16 ●Cash 31.5%









Risk: Low to medium

88

XX

XX

X X

XX

XX

Return to contents

Managed Growth Fund - CQ


2017 8.11






10 years (%p.a.) 3.01 ●Cash 17.2%







taxes.


Risk: High

89

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


2017 10.65






10 years (%p.a.) 5.47 ●Cash 17.2%







taxes.


Risk: High

Managed Growth Fund (Series 3) - S


2017 9.48






10 years (%p.a.) 4.38 ●Cash 17.2%







taxes.


Risk: High

90

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


2017 0.72






10 years (%p.a.) 2.23 ●Cash 100.0%








Risk: Very low

Managed Growth Fund (Early Series/Late Series) - SM_PROT, SM_UNPROT


2017 9.67






10 years (%p.a.) 4.46 ●Cash 17.2%







taxes.


Risk: High

91

XX

XX

X X

XX

XX

SuperUnits8 (SU)

Return to contents

Managed Growth Fund - SU


2017 10.77






10 years (%p.a.) 5.49 ●Cash 17.2%







taxes.


Risk: High

92

XX

XX

X X

XX

XX

CPSL Wholesale Superannuation Business7 (PRUES)

Capital Safe Fund - SCAPSF, SCAPSF03


2017 4.73






10 years (%p.a.) 4.50 ●Cash 31.5%









Risk: Low to medium

Capital Guaranteed Fund (non-participating)4 - SCOLFG


2017 2.29






10 years (%p.a.) 3.79 ●Cash 44.5%









Risk: Very low

93

XX

XX

X X

XX

XX

Balanced Fund - SDISCR


2017 10.59






10 years (%p.a.) 5.34 ●Cash 17.2%







taxes.


Risk: High

Growth Fund - SGRWTH


2017 12.75






10 years (%p.a.) 5.49 ●Cash 13.4%









Risk: High

Capital Guaranteed Cash Fund - SPACAS


2017 1.97






10 years (%p.a.) 3.49 ●Cash 100.0%








Risk: Very low

94

XX

XX

X X

XX

XX

Return to contents

Australian Equity Fund - SPAEQU


2017 16.06






10 years (%p.a.) 4.60 ●Cash 0.2%








Risk: Very high

Australian Fixed Interest Fund - SPAFIX


2017 1.23






10 years (%p.a.) 5.43 ●Cash 0.9%







Risk: Medium

International Equity Fund - SPIEQU


2017 17.98


2015 14.48 ●Global Shares 99.6%




10 years (%p.a.) 5.23 ●Cash 0.4%


To provide long-term capital growth through investment

in global listed company shares. This option may have a

high level of short to medium-term volatility. To




Risk: Very high

95

XX

XX

X X

XX

XX

CPSL Wholesale Exempt Business7 (PRUINO)

Capital Safe Fund - ECAPSF, ECAPSF03, FECAPSF


2017 5.61






10 years (%p.a.) 5.48 ●Cash 31.7%









Risk: Low to medium

Balanced Fund - EDISCR, FEDISCR


2017 11.92


2015 10.76 ●Global Shares 28.5%




10 years (%p.a.) 5.97 ●Cash 17.4%







taxes.


Risk: High

96

XX

XX

X X

XX

XX

Growth Fund - EGRWTH, FEGRWTH


2017 14.33


2015 11.37 ●Global Shares 34.4%




10 years (%p.a.) 6.02 ●Cash 12.5%









Risk: High

Capital Guaranteed Cash Fund - EPACAS, FEPACAS


2017 2.26






10 years (%p.a.) 4.10 ●Cash 100.0%








Risk: Very low

Australian Equity Fund - EPAEQU, FEPAEQU


2017 18.30






10 years (%p.a.) 4.86 ●Cash 2.2%








Risk: Very high

97

XX

XX

X X

XX

XX

Return to contents

Australian Fixed Interest Fund - EPAFIX, FEPAFIX


2017 1.52






10 years (%p.a.) 6.55 ●Cash 0.6%







Risk: Medium

Property Fund - EPAPRO


2017 1.16






10 years (%p.a.) 2.90 ●Cash -0.6%


To provide long-term capital growth and income from a

diversified portfolio of global listed property investments.

To outperform the option’s benchmark over a rolling

seven-year period before fees and taxes.


Risk: Very high

International Equity Fund - EPIEQU, FEPIEQU


2017 19.95


2015 16.58 ●Global Shares 99.1%




10 years (%p.a.) 5.95 ●Cash 0.9%








Risk: Very high

98

XX

XX

X X

XX

XX

CPSL Wholesale Non Superannuation Business7 (PRUINO)

Return to contents

Balanced Fund - ODISCR


2017 8.38






10 years (%p.a.) 4.30 ●Cash 20.0%







taxes.


Risk: High

99

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


2017 2.17






10 years (%p.a.) 4.11 ●Cash 44.5%









Risk: Very low

100

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

Investment objective Investment performance – Yearly returns to 30 June (%)

Initial Units Investment Units

2017 -6.20 0.26

2016 -6.07 0.44 ●Australian Shares 0.0%

2015 -5.80 0.68 ●Global Shares 0.0%

2014 -5.93 0.59 ●Listed Property 0.0%

Investment management fee (% p.a.)2:

Initial units: 8.4

Investment units: 1.95

2013 -5.32 1.19 ●Alternatives 0.0%

5 years (%p.a.) -5.87 0.63 ●Fixed Interest 0.0%

10 years (%p.a.) -4.79 1.77 ●Cash 100.0%Risk: Very low


To provide the highest level of security with income

from investments in money market securities. The

option aims to outperform the returns of the

Australian Money Markets as measured by the

Bloomberg AusBond Bank Bill Index before fees

and taxes.

Capital Guaranteed Fund 3 - 1SUU



2017 -1.07 4.91


2015 -0.40 5.63 ●Global Shares 7.3%

2014 -0.70 5.34 ●Listed Property 0.0%


Initial units: N/A*

Investment units: N/A*

2013 -1.62 4.31 ●Alternatives 10.8%





Investing to maintain long term stable returns

(before tax) in excess of inflation; Managing short

term risks to support delivery of stable

bonus/crediting rates from period to period,

consistent with the objectives of the Bonus

Philosophy Policy; and maintain security of capital

101

XX

XX

X X

XX

XX

Fixed Interest Fund - 2FIU



2017 -6.53 -0.21


2015 -4.01 2.51 ●Global Shares 0.0%

2014 -2.10 4.57 ●Listed Property 0.0%


Initial units: 8.4


2013 -4.70 1.75 ●Alternatives 0.0%


10 years (%p.a.) -2.70 3.89 ●Cash 0.9%Risk: Medium




outperform the option’s composite benchmark over

a rolling three-year period before fees and taxes.

Property Fund - 2PRU



2017 -5.07 1.11

2016 1.77 8.40 ●Australian Shares 0.0%

2015 2.95 9.63 ●Global Shares 0.0%

2014 2.63 9.34 ●Listed Property 100.0%


Initial units: 8.4


2013 3.34 10.03 ●Alternatives 0.0%

5 years (%p.a.) 1.07 7.65 ●Fixed Interest 0.0%

10 years (%p.a.) -4.81 1.38 ●Cash 0.0%Risk: Very high


To provide long-term capital growth and income

from a diversified portfolio of global listed property

investments. To outperform the option’s benchmark

over a rolling seven-year period before fees and

taxes.

Stable Fund - 2STU



2017 -3.30 3.09


2015 -2.33 4.12 ●Global Shares 11.0%

2014 -0.71 5.89 ●Listed Property 0.0%


Initial units: 8.4


2013 -0.97 5.57 ●Alternatives 11.9%


10 years (%p.a.) -3.47 2.91 ●Cash 31.5%Risk: Low to medium


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. To

achieve a return of Consumer Price Index (CPI)

plus 2.5% p.a. over a rolling three-year period

before fees and taxes.

102

XX

XX

X X

XX

XX

Return to contents

Managed Fund - 2MGU



2017 2.13 8.88


2015 0.88 7.54 ●Global Shares 28.8%

2014 4.62 11.57 ●Listed Property 0.0%


Initial units: 8.4


2013 6.60 13.63 ●Alternatives 17.0%


10 years (%p.a.) -2.69 3.74 ●Cash 17.2%Risk: High



expected to generate a mix of long-term capital

growth and income, but which may be volatile in

the short-to-medium term. To achieve a return of

Consumer Price Index (CPI) plus 3.5% p.a. over

a rolling six-year period before fees and taxes.

Australian Equities Fund - 2EQU



2017 7.12 14.07

2016 -7.35 -1.31 ●Australian Shares 99.8%

2015 -2.87 3.44 ●Global Shares 0.0%

2014 7.49 14.51 ●Listed Property 0.0%


Initial units: 8.4


2013 12.59 19.89 ●Alternatives 0.0%




To provide long term capital growth through

investment in Australian listed company shares.

This option may have a high level of short to

medium-term volatility. To outperform the option’s

benchmark over a rolling seven-year period


International Equities Fund - 2INU



2017 9.04 16.12


2015 5.86 12.75 ●Global Shares 99.6%

2014 9.50 16.65 ●Listed Property 0.0%


Initial units: 8.4


2013 16.81 24.37 ●Alternatives 0.0%




To provide long-term capital growth through

investment in global listed company shares. This

option may have a high level of short to medium-

term volatility. To outperform the option’s



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


2017 0.53






10 years (%p.a.) 2.04 ●Cash 100.0%








Risk: Very low

Capital Guaranteed Fund - 1SUP


2017 6.15




Investment management fee (% p.a.)2: N/A* 2013 5.63 ●Alternatives°° 10.8%


10 years (%p.a.) 6.26 ●Cash 8.6%







Bonus Philosophy Policy; and maintain security of capital


Risk: Very low

Fixed Interest Fund - 2FIX


2017 0.00






10 years (%p.a.) 4.12 ●Cash 0.9%







Risk: Medium

104

XX

XX

X X

XX

XX

Property Fund - 2PRP


2017 1.39






10 years (%p.a.) 1.64 ●Cash 0.0%







Risk: Very high

Stable Fund - 2STB


2017 3.36






10 years (%p.a.) 3.19 ●Cash 31.5%









Risk: Low to medium

Consensus Stable Fund - 2CST


2017 3.51






10 years (%p.a.) 3.32 ●Cash 33.9%









Risk: Low to medium

105

XX

XX

X X

XX

XX

Managed Fund - 2MGD


2017 9.16






10 years (%p.a.) 4.01 ●Cash 17.2%







taxes.


Risk: High

Consensus Managed Fund - 2CMG


2017 9.21






10 years (%p.a.) 3.90 ●Cash 19.9%







taxes.


Risk: High

Australian Equities Fund - 2EQY


2017 14.39






10 years (%p.a.) 3.23 ●Cash 0.2%








Risk: Very high

106

XX

XX

X X

XX

XX

Return to contents

International Equities Fund - 2INT


2017 16.43


2015 12.98 ●Global Shares 99.6%




10 years (%p.a.) 3.78 ●Cash 0.4%








Risk: Very high

107

XX

XX

X X

XX

XX

Colonial Rollover Deposit Plan (E09)

Return to contents

Capital Guaranteed Fund3 - 1SUP


2017 6.15






10 years (%p.a.) 6.26 ●Cash 8.6%









Risk: Very low

108

XX

XX

X X

XX

XX

SGIC Personal Superannuation Bond8 (ED3, EE3, EG3)

Capital Guaranteed Cash Fund - 7SCA


2017 0.53






10 years (%p.a.) 2.04 ●Cash 100.0%








Risk: Very low

Capital Guaranteed Fund4 - 6SCG


2017 2.17






10 years (%p.a.) 4.11 ●Cash 44.5%









Risk: Very low

109

XX

XX

X X

XX

XX

Fixed Interest Fund - 7SFI


2017 0.15






10 years (%p.a.) 4.28 ●Cash 0.9%







Risk: Medium

Property Fund - 7SPF


2017 1.74






10 years (%p.a.) 1.99 ●Cash 0.0%







Risk: Very high

Managed Fund - 7SMN


2017 9.45






10 years (%p.a.) 4.26 ●Cash 17.2%







taxes.


Risk: High

110

XX

XX

X X

XX

XX

Australian Equities Fund - 7SAE


2017 14.80






10 years (%p.a.) 3.56 ●Cash 0.2%








Risk: Very high

International Equities Fund - 7SIE


2017 16.83


2015 13.39 ●Global Shares 99.6%




10 years (%p.a.) 4.15 ●Cash 0.4%








Risk: Very high

Capital Protected Fund - December - 7SP1


2017 0.41






10 years (%p.a.) 1.97 ●Cash 100.0%








Risk: Very low

111

XX

XX

X X

XX

XX

Return to contents

Capital Protected Fund – June A (ex-March) - 7SP2


2017 0.40






10 years (%p.a.) 1.97 ●Cash 100.0%








Risk: Very low

Capital Protected Fund – June - 7SP3


2017 0.40






10 years (%p.a.) 1.99 ●Cash 100.0%








Risk: Very low

Capital Protected Fund - September - 7SP4


2017 0.41






10 years (%p.a.) 1.97 ●Cash 100.0%








Risk: Very low

112

XX

XX

X X

XX

XX

SGIC Rollover Deposit Plan7 (EC3, EF3)

Capital Guaranteed Cash Fund - 7RCA


2017 0.53






10 years (%p.a.) 2.04 ●Cash 100.0%








Risk: Very low

Capital Guaranteed Fund4 - 6RCG


2017 2.17






10 years (%p.a.) 4.11 ●Cash 44.5%









Risk: Very low

Fixed Interest Fund - 7RFI


2017 0.15






10 years (%p.a.) 4.28 ●Cash 0.9%







Risk: Medium

113

XX

XX

X X

XX

XX

Property Fund - 7RPF


2017 1.74






10 years (%p.a.) 1.99 ●Cash 0.0%







Risk: Very high

Managed Fund - 7RMN


2017 9.45






10 years (%p.a.) 4.26 ●Cash 17.2%







taxes.


Risk: High

Australian Equities Fund - 7RAE


2017 14.80






10 years (%p.a.) 3.56 ●Cash 0.2%








Risk: Very high

114

XX

XX

X X

XX

XX

International Equities Fund - 7RIE


2017 16.83


2015 13.39 ●Global Shares 99.6%




10 years (%p.a.) 4.15 ●Cash 0.4%








Risk: Very high

Capital Protected Fund - December - 7RP1


2017 0.41






10 years (%p.a.) 1.97 ●Cash 100.0%








Risk: Very low

Capital Protected Fund – June A (ex-March) - 7RP2


2017 0.40






10 years (%p.a.) 1.97 ●Cash 100.0%








Risk: Very low

115

XX

XX

X X

XX

XX

Return to contents

Capital Protected Fund – June - 7RP3


2017 0.40






10 years (%p.a.) 1.99 ●Cash 100.0%








Risk: Very low

Capital Protected Fund - September - 7RP4


2017 0.41






10 years (%p.a.) 1.97 ●Cash 100.0%








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


2017 4.35






10 years (%p.a.) 5.14 ●Cash 8.6%









Risk: Very low

Table 62 and Plus - 1RAP


2017 5.25






10 years (%p.a.) 6.04 ●Cash 8.6%









Risk: Very low

117

XX

XX

X X

XX

XX

Retirement Accumulation Plan7,8,3 (W02)

Return to contents

1RAP


2017 5.25






10 years (%p.a.) 6.04 ●Cash 8.6%









Risk: Very low

118

XX

XX

X X

XX

XX

Private Trustee Superannuation7,3 (W04)

Return to contents

1LUS


2017 5.25






10 years (%p.a.) 6.04 ●Cash 8.6%









Risk: Very low

119

XX

XX

X X

XX

XX

Life Umbrella8,3 Superannuation (W03)

Return to contents

1LUS


2017 5.25






10 years (%p.a.) 6.04 ●Cash 8.6%









Risk: Very low

120

XX

XX

X X

XX

XX

SGIC Capital Guaranteed products

Colonial Rollover Bond4,7 (EA3)

Return to contents

6ROL


2017 2.17






10 years (%p.a.) 4.11 ●Cash 44.5%









Risk: Very low

121

XX

XX

X X

XX

XX

Money Plan Super4,8 (WA3)

Return to contents

6SMY


2017 2.37






10 years (%p.a.) 4.30 ●Cash 44.5%









Risk: Very low

122

XX

XX

X X

XX

XX

Colonial Rollover Bond4,7 (EB3)

Return to contents

6RNF


2017 1.82






10 years (%p.a.) 3.79 ●Cash 44.5%









Risk: Very low

123

XX

XX

X X

XX

XX

Colonial Living Money7,8 (E07, E08)



2017 0.81






10 years (%p.a.) 2.63 ●Cash 100.0%








Risk: Very low



2017 0.21






10 years (%p.a.) 5.19 ●Cash 0.6%







Risk: Medium



2017 1.16






10 years (%p.a.) 1.94 ●Cash 0.0%







Risk: Very high

124

XX

XX

X X

XX

XX

Stable Fund - 4STB


2017 4.15






10 years (%p.a.) 4.11 ●Cash 31.7%









Risk: Low to medium

Consensus Stable Fund - 4CST


2017 4.35






10 years (%p.a.) 4.23 ●Cash 32.4%









Risk: Low to medium

Managed Fund - 4MGD


2017 10.35






10 years (%p.a.) 4.60 ●Cash 17.4%







taxes.


Risk: High

125

XX

XX

X X

XX

XX

Return to contents

Consensus Managed Fund - 4CMG


2017 10.83






10 years (%p.a.) 4.75 ●Cash 19.9%







taxes.


Risk: High



2017 16.54






10 years (%p.a.) 3.38 ●Cash 2.2%








Risk: Very high



2017 18.14


2015 14.90 ●Global Shares 99.1%




10 years (%p.a.) 4.46 ●Cash 0.9%








Risk: Very high

126

XX

XX

X X

XX

XX

SGIC Retirement Plus Account8 (FA3, FB3)

Capital Guaranteed Cash Fund - 9ACA


2017 1.01






10 years (%p.a.) 2.85 ●Cash 100.0%








Risk: Very low

Capital Guaranteed Fund4 - 6ACG


2017 2.73






10 years (%p.a.) 4.98 ●Cash 44.0%









Risk: Very low

Property Fund - 9APF


2017 1.80






10 years (%p.a.) 2.44 ●Cash 0.0%







Risk: Very high

127

XX

XX

X X

XX

XX

Managed Fund - 9AMN


2017 10.79






10 years (%p.a.) 5.00 ●Cash 17.4%







taxes.


Risk: High

Australian Equities Fund - 9AAE


2017 17.13






10 years (%p.a.) 3.88 ●Cash 2.2%








Risk: Very high

International Equities Fund - 9AIE


2017 18.63


2015 15.48 ●Global Shares 99.1%




10 years (%p.a.) 4.96 ●Cash 0.9%








Risk: Very high

128

XX

XX

X X

XX

XX

Capital Protected Fund - December - 9AP1


2017 0.86






10 years (%p.a.) 2.76 ●Cash 100.0%








Risk: Very low

Capital Protected Fund – June A (ex-March) - 9AP2


2017 0.86






10 years (%p.a.) 2.76 ●Cash 100.0%








Risk: Very low

Capital Protected Fund – June - 9AP3


2017 0.89






10 years (%p.a.) 2.76 ●Cash 100.0%








Risk: Very low

129

XX

XX

X X

XX

XX

Return to contents

Capital Protected Fund - September - 9AP4


2017 0.86






10 years (%p.a.) 2.76 ●Cash 100.0%








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)




2017 -6.31 0.53


2015 -5.98 0.89 ●Global Shares 0.0%

2014 -6.07 0.82 ●Listed Property 0.0%


Initial units: 8.1


2013 -5.76 1.09 ●Alternatives 0.0%




To provide the highest level of security with income

from investments in money market securities. The

option aims to outperform the returns of the

Australian Money Markets as measured by the

Bloomberg AusBond Bank Bill Index before fees

and taxes.

Capital Guaranteed Fund 3 - 1ORD



2017 -3.02 2.85


2015 -2.39 3.53 ●Global Shares 7.5%

2014 -2.39 3.54 ●Listed Property 0.0%


Initial units: N/A*

Investment units: N/A*

2013 -2.85 3.00 ●Alternatives 10.5%





Investing to maintain long term stable returns

(before tax) in excess of inflation; Managing short

term risks to support delivery of stable

bonus/crediting rates from period to period,

consistent with the objectives of the Bonus

Philosophy Policy; and maintain security of capital

131

XX

XX

X X

XX

XX




2017 -6.97 -0.08


2015 -4.89 2.15 ●Global Shares 0.0%

2014 -3.31 3.91 ●Listed Property 0.0%


Initial units: 8.45


2013 -5.30 1.70 ●Alternatives 0.0%


10 years (%p.a.) -4.00 3.12 ●Cash 0.7%Risk: Medium




outperform the option’s composite benchmark over

a rolling three-year period before fees and taxes.




2017 -5.87 1.11


2015 0.15 7.58 ●Global Shares 0.0%

2014 0.13 7.59 ●Listed Property 100.0%


Initial units: 8.65


2013 2.64 10.22 ●Alternatives 0.0%




To provide long-term capital growth and income

from a diversified portfolio of global listed property

investments. To outperform the option’s benchmark

over a rolling seven-year period before fees and

taxes.

132

XX

XX

X X

XX

XX

Stable Fund - 3STB



2017 -4.32 2.77


2015 -3.50 3.66 ●Global Shares 10.4%

2014 -2.29 5.01 ●Listed Property 0.0%


Initial units: 8.4


2013 -2.41 4.80 ●Alternatives 10.2%


10 years (%p.a.) -4.42 2.67 ●Cash 35.5%Risk: Low to medium



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. To

achieve a return of Consumer Price Index (CPI)

plus 2.5% p.a. over a rolling three-year period


Managed Fund - 3MGD



2017 -0.12 7.29


2015 -0.95 6.38 ●Global Shares 28.7%

2014 1.96 9.56 ●Listed Property 0.0%


Initial units: 8.55


2013 3.43 11.08 ●Alternatives 15.1%


10 years (%p.a.) -3.78 3.35 ●Cash 20.0%Risk: High



expected to generate a mix of long-term capital

growth and income, but which may be volatile in

the short-to-medium term. To achieve a return of

Consumer Price Index (CPI) plus 3.5% p.a. over

a rolling six-year period before fees and taxes.




2017 3.76 11.45


2015 -3.91 3.21 ●Global Shares 0.0%

2014 4.00 11.75 ●Listed Property 0.0%


Initial units: 8.6


2013 7.86 15.82 ●Alternatives 0.0%




To provide long term capital growth through

investment in Australian listed company shares.

This option may have a high level of short to

medium-term volatility. To outperform the option’s



133

XX

XX

X X

XX

XX

Return to contents




2017 6.25 14.13


2015 3.77 11.45 ●Global Shares 99.1%

2014 5.34 13.18 ●Listed Property 0.0%


Initial units: 8.65


2013 9.74 17.86 ●Alternatives 0.0%




To provide long-term capital growth through

investment in global listed company shares. This

option may have a high level of short to medium-

term volatility. To outperform the option’s



134

XX

XX

X X

XX

XX

Investment Growth Bond7 (A06)

NC - Cash - 3NCS


2017 0.96




Investment management fee (% p.a.)2: 0.85 2013 - ●Alternatives°° 0.0%

5 years (%p.a.) - ●Fixed Interest 0.0%

10 years (%p.a.) - ●Cash 100.0%








Risk: Very low

NC - Global Fixed Interest - 3NFI


2017 0.36






10 years (%p.a.) - ●Cash 0.7%







Risk: Medium

NC - Global Property - 3NPR


2017 1.36






10 years (%p.a.) - ●Cash 0.0%







Risk: Very high

135

XX

XX

X X

XX

XX

NC - Australian Shares - 3NAU


2017 11.87






10 years (%p.a.) - ●Cash 0.8%








Risk: Very high

NC - International Shares - 3NIN


2017 14.65


2015 11.83 ●Global Shares 99.1%




10 years (%p.a.) - ●Cash 0.9%








Risk: Very high

NC - Conservative - 3NCO


2017 3.08






10 years (%p.a.) - ●Cash 35.5%









Risk: Low to medium

136

XX

XX

X X

XX

XX

Return to contents

NC - Diversified - 3NDI


2017 5.00






10 years (%p.a.) - ●Cash 29.7%



generate a mix of long-term capital growth and income

with a moderate level of security and relatively stable

returns. To achieve a return of Consumer Price Index

(CPI) plus 3.0% p.a. over a rolling five-year period



Risk: Medium to high

NC - Balanced - 3NBA


2017 7.69






10 years (%p.a.) - ●Cash 20.0%







taxes.


Risk: High

NC - Growth - 3NGR


2017 9.21






10 years (%p.a.) - ●Cash 17.5%









Risk: High

137

XX

XX

X X

XX

XX

Colonial Investment Bond (SGIC Personal Investment Bond7 AA3, AG3, AH3)

Capital Guaranteed Cash Fund - 8BCA


2017 0.13






10 years (%p.a.) 1.42 ●Cash 100.0%








Risk: Very low

Capital Guaranteed Fund7 - 6BON


2017 1.39






10 years (%p.a.) 3.16 ●Cash 44.0%









Risk: Very low

138

XX

XX

X X

XX

XX

Property Fund - 8BPF


2017 1.19






10 years (%p.a.) 1.77 ●Cash 0.0%







Risk: Very high

Managed Fund - 8BMN


2017 7.35






10 years (%p.a.) 3.23 ●Cash 20.0%







taxes.


Risk: High

Australian Equities Fund - 8BAE


2017 11.44






10 years (%p.a.) 2.79 ●Cash 0.8%








Risk: Very high

139

XX

XX

X X

XX

XX

International Equities Fund - 8BIE


2017 14.44


2015 11.71 ●Global Shares 99.1%




10 years (%p.a.) 3.50 ●Cash 0.9%








Risk: Very high

Capital Protected Fund - December - 8BP1


2017 -0.01






10 years (%p.a.) 1.37 ●Cash 100.0%








Risk: Very low

Capital Protected Fund – June - 8BP3


2017 -0.01






10 years (%p.a.) 1.47 ●Cash 100.0%








Risk: Very low

140

XX

XX

X X

XX

XX

Return to contents

Capital Protected Fund - September - 8BP4


2017 0.00






10 years (%p.a.) 1.33 ●Cash 100.0%








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


2017 4.00






10 years (%p.a.) 4.26 ●Cash 8.8%









Risk: Very low

142

XX

XX

X X

XX

XX

SGIC Capital Guaranteed products4,7 (SB3, AF3, SA3)

Return to contents

Ordinary Passbook Rate - 6HIN


2017 0.45






10 years (%p.a.) 2.21 ●Cash 44.0%









Risk: Very low

Ordinary Funeral Bond - 6FNR


2017 0.32






10 years (%p.a.) 2.04 ●Cash 44.0%









Risk: Very low

Money Plan Ordinary - 6MNY


2017 1.39






10 years (%p.a.) 3.16 ●Cash 44.0%









Risk: Very low

143

XX

XX

X X

XX

XX

Colonial Select Allocated Pension8

Multi-Manager Global Share Fund - EXCMOE


2017 15.69


2015 25.60 ●Global Shares 95.9%



Risk: Very high 5 years (%p.a.) 17.18 ●Fixed Interest 0.0%

Minimum suggested timeframe: 7 years 10 years (%p.a.) 3.08 ●Cash 4.1%


To provide long-term capital growth from a diversified

portfolio of global shares. To outperform the MSCI All

Country World Index over rolling three-year periods



MFS Global Equity Option - EXAMOE


2017 18.25


2015 25.76 ●Global Shares 97.8%






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.


BT Core Global Share Option - EXROOE


2017 16.68


2015 25.96 ●Global Shares 99.1%






To provide a portfolio of international investments that

aims to provide a return (before fees and taxes) that

exceeds the MSCI World (ex Australia) Index over

rolling three-year periods


144

XX

XX

X X

XX

XX

Colonial First State Wholesale Global Resources Fund - EXFSRE


2017 5.87


2015 -13.82 ●Global Shares 98.1%


Investment management fee (% p.a.)2: 1.15 2013 -7.72 ●Alternatives°° 0.0%


Minimum suggested timeframe: 7 years 10 years (%p.a.) -2.98 ●Cash 1.9%


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 Index (75%) and the MSCI All

Country World Energy Index (25%) over rolling five-

year periods before fees and taxes.


FC Wsale Pension Stewart Investors Worldwide Leaders Fund - EXFSOE


2017 10.11


2015 20.27 ●Global Shares 89.8%






To provide long-term capital growththat exceeds the

MSCI All Country World Index over rolling five-year

periods before fees and taxes.


Colonial First State Wholesale Index Global Share Fund - EXCTOE


2017 15.70


2015 25.58 ●Global Shares 99.1%






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).


145

XX

XX

X X

XX

XX

FirstChoice Wholesale Asian Share Fund (formerly Schroder Asia Pacific fund) - EXSAOE


2017 26.75


2015 26.63 ●Global Shares 96.7%







portfolio of predominantly Asian companies. To

outperform the MSCI All Country Asia (ex Japan) Index

over rolling three-year periods before fees and taxes.


Multi-Manager Australian Share Fund - EXCMDE


2017 22.80








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-



Ausbil Australian Active Equity Option - EXCSDE


2017 19.69








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



146

XX

XX

X X

XX

XX

BT Core Australian Share Option - EXRODE


2017 21.29








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


Colonial First State Wholesale Australian Share Fund - Core - EXCPAS


2017 18.07








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



Colonial First State Wholesale Geared Share Fund - EXFSGS


2017 36.36








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.


147

XX

XX

X X

XX

XX

Colonial First State Wholesale Imputation Fund - EXFSDE


2017 12.39








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



Colonial First State Wholesale Index Australian Share Fund - EXCTDE


2017 19.42








To closely track the S&P/ASX 200 Accumulation Index



Australian sharemarket as measured by that benchmark

over rolling one-year periods.


Colonial First State Wholesale Small Companies Fund - Core - EXCPSC


2017 13.75








To provide long-term capital growth by investing

predominantly in small Australian companies. The option

aims to outperform the S&P/ASX Small Ordinaries


before fees


148

XX

XX

X X

XX

XX

Maple-Brown Abbott Imputation Option* - EXMBIM


2017 24.81








To outperform the S&P/ASX 200 Accumulation Index

before fees and taxes over rolling four-year periods.


Perpetual Industrial Share Option* - EXPPIS


2017 18.42





Risk: High 5 years (%p.a.) 15.25 ●Fixed Interest 0.0%



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.


Schroder Australian Equity Option - EXSADE


2017 25.96









over rolling three-year periods before fees and taxes, by

investing in a broad range of companies from Australia

and New Zealand.


149

XX

XX

X X

XX

XX

Multi-Manager Property Securities Fund - EXCMPS


2017 0.01








To provide capital growth and income from a diversified

portfolio of listed property investments.


BT Property Investment Option - EXROPR


2017 -2.19








To provide a return (before fees and taxes) that exceeds

the S&P/ASX 300 A-REIT Accumulation Index over

rolling three-year periods.


Colonial First State Wholesale Property Securities Fund - EXFSPR


2017 -3.13








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.


150

XX

XX

X X

XX

XX

Multi-Manager High Growth Fund* - EXCMHG


2017 18.72


2015 11.46 ●Global Shares 38.2%






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.


Colonial First State Wholesale High Growth Fund - EXFSHG


2017 13.36


2015 10.91 ●Global Shares 47.2%






To provide long-term capital growth. The option aims to

outperform the composite benchmark over rolling three-



FirstChoice Wholesale High Growth (formerly Perpetual Split Growth Option) - EXFIGR


2017 18.68


2015 11.47 ●Global Shares 38.2%









and taxes.


151

XX

XX

X X

XX

XX

Multi-Manager Growth Fund - EXCMGR


2017 13.94


2015 10.65 ●Global Shares 29.1%






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



BT Active Balanced Option - EXRODI


2017 11.91


2015 12.27 ●Global Shares 21.5%







and taxes) that exceeds the option's composite

benchmark over rolling three-year periods.


Colonial First State Wholesale Diversified Fund - EXFSDI


2017 9.50








To provide long term capital growth. The option aims to




152

XX

XX

X X

XX

XX

Multi-Index Balanced Fund - EXCSGR


2017 13.45








To provide capital growth and income over the long-

term. To outperform the option's composite benchmark



Perpetual Balanced Growth Option - EXPPBA


2017 10.32








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.


Multi-Manager Moderate Fund - EXCMMO


2017 10.71








To provide a balance of income and capital growth over

the medium-to long-term. To outperform the option's

composite benchmark over rolling three-year periods



153

XX

XX

X X

XX

XX

Colonial First State Wholesale Balanced Fund - EXFSBA


2017 6.52





Risk: Medium to high 5 years (%p.a.) 8.31 ●Fixed Interest 35.3%



To provide long-term capital growth and income. The

option aims to outperform the composite benchmark over



Perpetual Diversified Growth Option - EXPPGR


2017 8.30









through investment in a diversified portfolio of growth and

income assets. The option aims to outperform its




Multi-Manager Conservative Fund - EXCMCO


2017 5.81





Risk: Medium 5 years (%p.a.) 6.67 ●Fixed Interest 30.0%



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



154

XX

XX

X X

XX

XX

Colonial First State Wholesale Conservative Fund - EXFSCS


2017 4.29








To provide long-term capital preservation with an income

focus. The option aims to outperform the composite


and taxes.


Multi-Index Conservative Fund - EXCSCS


2017 6.44









term with the potential for some long-term capital growth.

To outperform the option's composite benchmark over



Perpetual Conservative Growth Option - EXPPCO


2017 5.32








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




155

XX

XX

X X

XX

XX

Multi-Manager Defensive Fund - EXCMLR


2017 3.42





Risk: Low to medium 5 years (%p.a.) 5.05 ●Fixed Interest 40.0%



To provide relatively stable returns with low potential for

capital loss. To outperform the option’s composite


and taxes.


Multi-Manager Fixed Interest Fund - EXCMFI


2017 0.97









capital loss by investing in Australian and global fixed

interest securities. To outperform the composite

benchmark of 50% Citigroup World Broad Investment

Grade Index, hedged to Australian dollars and 50%

Bloomberg AusBond Composite 0+ Yr Index over rolling



Aberdeen Australian Fixed Income Option (replaces Deutsche Australian Bond Option) - EXACFI


2017 0.69








To outperform the Bloomberg AusBond Composite 0+ Yr


taxes.


156

XX

XX

X X

XX

XX

Return to contents

Colonial First State Wholesale Institutional Cash Fund - EXCPCA


2017 1.48








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.


157

XX

XX

X X

XX

XX

Colonial Select Allocated Pension - Closed options

Colonial Australian Equities Fund - EPAEQU


2017 18.30














Colonial Australian Fixed Interest Fund - EPAFIX


2017 1.52













Colonial Balanced Fund - EDISCR


2017 11.92


2015 10.76 ●Global Shares 28.5%











taxes.


158

XX

XX

X X

XX

XX

Colonial Capital Guaranteed Fund (participating) - ECPGTD


2017 6.49




Investment management fee (% p.a.)6: N/A 2013 6.91 ●Alternatives°° 10.5%

Risk: Very low 5 years (%p.a.) 7.14 ●Fixed Interest 71.1%










Colonial Capital Guaranteed Fund (Ex-CMF) (non-participating) - ECOKAU


2017 2.56















Colonial Capital Safe Fund - ECAPSF


2017 5.61















159

XX

XX

X X

XX

XX

Colonial Cash Fund - EPACAS


2017 2.26






Minimum suggested timeframe: N/A 10 years (%p.a.) 4.10 ●Cash 100.0%








Colonial First State Wholesale Australian Share Fund - EXFSAS


2017 9.35









investing in a broad selection of Australian companies.


Colonial First State Wholesale Global Health & Biotechnology Fund - EXFSHB


2017 17.16


2015 57.51 ●Global Shares 95.1%




Minimum suggested timeframe: 7 Years 10 years (%p.a.) 13.11 ●Cash 4.9%



investing in companies around the world, whose primary

business is in the field of pharmaceutical, biotechnology,

medical devices, or medical services.


160

XX

XX

X X

XX

XX

Return to contents

Colonial First State Wholesale Global Technology & Communications Fund - EXFSTC


2017 0.00


2015 32.79 ●Global Shares 95.3%




Minimum suggested timeframe: 7 Years 10 years (%p.a.) 6.67 ●Cash 4.7%




business is in the field of technology and/or

communications.


Colonial Growth Fund - EGRWTH


2017 14.33


2015 11.37 ●Global Shares 34.4%













Colonial International Equities Fund - EPIEQU


2017 19.95


2015 16.58 ●Global Shares 99.1%












161

XX

XX

X X

XX

XX

Colonial Select Personal Superannuation8, CPSL MasterFund Superannuation8 & Colonial Personal Superannuation Portfolio8

Multi-Manager Global Share Fund - SXCMOE


2017 15.24


2015 23.47 ●Global Shares 95.9%




10 years (%p.a.) 2.95 ●Cash 4.1%



portfolio of global shares. To outperform the MSCI All

Country World Index over rolling three-year periods



Risk: Very high

MFS Global Equity Option - SXAMOE


2017 17.01


2015 23.78 ●Global Shares 97.8%




10 years (%p.a.) 4.13 ●Cash 2.2%


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.


Risk: Very high

BT Core Global Share Option* - SXROOE


2017 16.36


2015 24.12 ●Global Shares 99.1%




10 years (%p.a.) 4.28 ●Cash 0.9%


To provide a portfolio of international investments that

aims to provide a return (before fees and taxes) that

exceeds the MSCI World (ex Australia) Index over

rolling three-year periods


Risk: Very high

162

XX

XX

X X

XX

XX

Colonial First State Wholesale Geared Global Share Fund - SXFSGG


2017 24.46


2015 25.27 ●Global Shares 93.5%




10 years (%p.a.) 4.00 ●Cash 6.5%


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


taxes.


Risk: Very high

Colonial First State Wholesale Global Resources Fund - SXFSRE


2017 5.08


2015 -12.83 ●Global Shares 98.1%




10 years (%p.a.) -2.76 ●Cash 1.9%



investing in resource companies from around the world.

The option aims to outperform the Euromoney Global

Mining Accumulation Index (75%) and the MSCI All

Country World Energy Index (25%) over rolling five-



Risk: Very high

FC Wsale Pension Stewart Investors Worldwide Leaders Fund - SXFSOE


2017 10.21


2015 19.27 ●Global Shares 89.8%




10 years (%p.a.) 4.35 ●Cash 10.2%


To provide long-term capital growththat exceeds the

MSCI All Country World Index over rolling five-year



Risk: Very high

163

XX

XX

X X

XX

XX

Colonial First State Wholesale Index Global Share Fund - SXCTOE


2017 15.11


2015 23.66 ●Global Shares 99.1%




10 years (%p.a.) 4.81 ●Cash 0.9%


To closely track the MSCI World (ex Australia) Index



world sharemarkets as measured by that benchmark

(unhedged).


Risk: Very high

FirstChoice Wholesale Asian Share Fund (formerly Schroder Asia Pacific fund) - SXSAOE


2017 23.60


2015 25.06 ●Global Shares 96.7%




10 years (%p.a.) 6.22 ●Cash 3.3%







Risk: Very high

Multi-Manager Australian Share Fund - SXCMDE


2017 20.45






10 years (%p.a.) 4.72 ●Cash 2.8%


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-



Risk: Very high

164

XX

XX

X X

XX

XX

Ausbil Australian Active Equity Option - SXCSDE


2017 17.83






10 years (%p.a.) 5.41 ●Cash 0.7%


To provide long-term growth with moderate tax-effective

income. The option aims to outperform the S&P/ASX 300




Risk: Very high

BT Core Australian Share Option - SXRODE


2017 19.37






10 years (%p.a.) 4.89 ●Cash 3.3%






Risk: Very high

Colonial First State Wholesale Australian Share Fund - Core - SXCPAS


2017 15.83






10 years (%p.a.) 5.53 ●Cash 1.0%



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



Risk: Very high

165

XX

XX

X X

XX

XX

Colonial First State Wholesale Geared Share Fund - SXFSGS


2017 35.02






10 years (%p.a.) 3.41 ●Cash 8.3%


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


taxes.


Risk: Very high

Colonial First State Wholesale Imputation Fund - SXFSIM


2017 10.99






10 years (%p.a.) 4.36 ●Cash 1.9%








Risk: Very high

Colonial First State Wholesale Index Australian Share Fund - SXCTDE


2017 17.47






10 years (%p.a.) 4.32 ●Cash 0.3%


To closely track the S&P/ASX 200 Accumulation Index



Australian sharemarket as measured by that benchmark

over rolling one-year periods.


Risk: Very high

166

XX

XX

X X

XX

XX

Colonial First State Wholesale Small Companies Fund - Core - SXCPSC


2017 12.95






10 years (%p.a.) 5.41 ●Cash 3.3%


To provide long-term capital growth by investing

predominantly in small Australian companies. The option

aims to outperform the S&P/ASX Small Ordinaries


before fees


Risk: Very high

Maple-Brown Abbott Imputation Option* - SXMBIM


2017 22.58






10 years (%p.a.) 5.15 ●Cash 7.4%



before fees and taxes over rolling four-year periods.


Risk: Very high

Perpetual Industrial Share Option* - SXPPIS


2017 16.89






10 years (%p.a.) 6.18 ●Cash 5.5%



predominantly through investment in quality Australian

Industrial shares. The option aims to outperform the

S&P/ASX 300 Industrials Accumulation Index over rolling



Risk: High

167

XX

XX

X X

XX

XX

Schroder Australian Equity Option - SXSADE


2017 23.39






10 years (%p.a.) 5.36 ●Cash 1.3%



over rolling three-year periods before fees and taxes, by

investing in a broad range of companies from Australia

and New Zealand.


Risk: Very high

Multi-Manager Property Securities Fund - SXCMPS


2017 -0.12






10 years (%p.a.) -0.35 ●Cash 3.7%


To provide capital growth and income from a diversified

portfolio of listed property investments.


Risk: Very high

BT Property Investment Option - SXROPR


2017 -2.10






10 years (%p.a.) 1.20 ●Cash 2.1%






Risk: Very high

168

XX

XX

X X

XX

XX

Colonial First State Wholesale Property Securities Fund - SXFSPR


2017 -2.69






10 years (%p.a.) -1.83 ●Cash 3.0%


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


taxes.


Risk: Very high

Multi-Manager High Growth Fund* - SXCMHG


2017 17.30


2015 10.54 ●Global Shares 38.2%




10 years (%p.a.) 4.15 ●Cash 3.6%





and taxes.


Risk: High

Colonial First State Wholesale High Growth Fund - SXFSHG


2017 12.55






10 years (%p.a.) 4.17 ●Cash 3.5%


To provide long-term capital growth. The option aims to




Risk: High

169

XX

XX

X X

XX

XX

FirstChoice Wholesale High Growth (formerly Perpetual Split Growth Option) - SXFIGR


2017 16.88


2015 10.11 ●Global Shares 38.2%




10 years (%p.a.) 4.41 ●Cash 3.6%





and taxes.


Risk: High

Multi-Manager Growth Fund - SXCMGR


2017 12.62






10 years (%p.a.) 4.16 ●Cash 5.8%


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



Risk: High

BT Active Balanced Option - SXRODI


2017 10.99


2015 11.26 ●Global Shares 21.5%




10 years (%p.a.) 4.61 ●Cash 8.6%






Risk: High

170

XX

XX

X X

XX

XX

Colonial First State Wholesale Diversified Fund - SXFSDI


2017 8.74






10 years (%p.a.) 4.02 ●Cash 5.5%


To provide long term capital growth. The option aims to




Risk: High

Multi-Index Balanced Fund - SXCSGR


2017 12.30






10 years (%p.a.) 5.56 ●Cash 5.5%


To provide capital growth and income over the long-

term. To outperform the option's composite benchmark



Risk: High

Perpetual Balanced Growth Option - SXPPBA


2017 9.36






10 years (%p.a.) 4.46 ●Cash 11.3%


To provide long-term capital growth and income through

investment in a diversified portfolio with an emphasis on

Australian and international share investments. The




Risk: High

171

XX

XX

X X

XX

XX

Multi-Manager Moderate Fund - SXCMMO


2017 9.73






10 years (%p.a.) 4.57 ●Cash 17.0%


To provide a balance of income and capital growth over

the medium-to long-term. To outperform the option's




Risk: High

Colonial First State Wholesale Balanced Fund - SXFSBA


2017 5.94






10 years (%p.a.) 3.44 ●Cash 15.2%


To provide long-term capital growth and income. The

option aims to outperform the composite benchmark over




Perpetual Diversified Growth Option - SXPPGR


2017 7.60






10 years (%p.a.) 4.46 ●Cash 11.9%



through investment in a diversified portfolio of growth and

income assets. The option aims to outperform its





172

XX

XX

X X

XX

XX

Multi-Manager Conservative Fund - SXCMCO


2017 5.18






10 years (%p.a.) 4.46 ●Cash 41.3%



term with the potential for some long term capital growth.

To outperform the option’s composite benchmark over



Risk: Medium

Colonial First State Wholesale Conservative Fund - SXFSCS


2017 3.77






10 years (%p.a.) 3.90 ●Cash 29.1%


To provide long-term capital preservation with an income

focus. The option aims to outperform the composite


and taxes.


Risk: Medium

Multi-Index Conservative Fund - SXCSCS


2017 5.70






10 years (%p.a.) 4.10 ●Cash 40.6%



term with the potential for some long-term capital growth.

To outperform the option's composite benchmark over



Risk: Medium

173

XX

XX

X X

XX

XX

Perpetual Conservative Growth Option - SXPPCO


2017 4.75






10 years (%p.a.) 4.31 ●Cash 19.9%


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




Risk: Medium

Multi-Manager Fixed Interest Fund - SXCMFI


2017 0.67






10 years (%p.a.) 5.71 ●Cash 0.0%



capital loss by investing in Australian and global fixed

interest securities. To outperform the composite

benchmark of 50% Citigroup World Broad Investment

Grade Index, hedged to Australian dollars and 50%

Bloomberg AusBond Composite 0+ Yr Index over rolling




Aberdeen Australian Fixed Income Option (replaces Deutsche Australian Bond Option) - SXACFI


2017 0.55






10 years (%p.a.) 5.14 ●Cash 0.0%


To outperform the Bloomberg AusBond Composite 0+ Yr


taxes.


Risk: Medium

174

XX

XX

X X

XX

XX

Return to contents

Multi-Manager Defensive Fund - SXCMLR


2017 2.87






10 years (%p.a.) 4.74 ●Cash 50.5%



capital loss. To outperform the option’s composite


and taxes.


Risk: Low to medium

Colonial First State Wholesale Institutional Cash Fund - SXCPCA


2017 1.22






10 years (%p.a.) 3.07 ●Cash 100.0%


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.


Risk: Low to medium

175

XX

XX

X X

XX

XX

Colonial Select Personal Superannuation - Closed options

Colonial Australian Equities Fund - SPAEQU


2017 16.06














Colonial Australian Fixed Interest Fund - SPAFIX


2017 1.23













Colonial Balanced Fund - SDISCR


2017 10.59













taxes.


176

XX

XX

X X

XX

XX

Colonial Capital Guaranteed Fund (participating) - SCPGTD


2017 4.98















Colonial Capital Guaranteed Fund (Ex-CMF) (non-participating) - SCOKAT


2017 2.79















Colonial Capital Guaranteed Fund (Ex-MasterPac) (non-participating) - SCOLFG


2017 2.29















177

XX

XX

X X

XX

XX

Colonial Capital Safe Fund - SCAPSF


2017 4.73















Colonial Cash Fund - SPACAS


2017 1.97














Colonial Consensus Managed Fund - SXCCNM


2017 10.71













taxes.


178

XX

XX

X X

XX

XX

Colonial Consensus Stable Fund - SXCCMS


2017 4.88















Colonial First State Wholesale Australian Share Fund - SXFSDE


2017 8.22









investing in a broad selection of Australian companies.


Colonial First State Wholesale Global Health & Biotechnology Fund - SXFSHB


2017 16.66


2015 55.03 ●Global Shares 95.1%








business is in the field of pharmaceutical, biotechnology,

medical devices, or medical services.


179

XX

XX

X X

XX

XX

Colonial First State Wholesale Global Technology & Communications Fund - SXFSTC


2017 26.99


2015 30.58 ●Global Shares 95.3%








business is in the field of technology and/or

communications.


Colonial Growth Fund - SGRWTH


2017 12.75















Colonial International Equities Fund - SPIEQU


2017 17.98


2015 14.48 ●Global Shares 99.6%












180

XX

XX

X X

XX

XX

Return to contents

Colonial Property Fund - SXCPRO


2017 2.72













181

XX

XX

X X

XX

XX

Colonial Flexible Income Retirement Plan8

BT Active Balanced Option - EXRODI


2017 11.91


2015 12.27 ●Global Shares 21.5%










BT Core Australian Share Option - EXRODE


2017 21.29












BT Property Investment Option - EXROPR


2017 -2.19












182

XX

XX

X X

XX

XX

Colonial Australian Equities Fund - EPAEQU


2017 18.30














Colonial Australian Fixed Interest Fund - EPAFIX


2017 1.52













Colonial Balanced Fund - EDISCR


2017 11.92


2015 10.76 ●Global Shares 28.5%











taxes.


183

XX

XX

X X

XX

XX

Colonial Capital Guaranteed Fund (participating) - ECPGTD


2017 6.49















Colonial Capital Safe Fund - ECAPSF


2017 5.61















Colonial Cash Fund - EPACAS


2017 2.26














184

XX

XX

X X

XX

XX

Colonial First State Wholesale Imputation Fund - EXFSDE


2017 12.39














Colonial Growth Fund - EGRWTH


2017 14.33


2015 11.37 ●Global Shares 34.4%













Colonial International Equities Fund - EPIEQU


2017 19.95


2015 16.58 ●Global Shares 99.1%












185

XX

XX

X X

XX

XX

Return to contents

FirstChoice Wholesale Asian Share Fund (formerly Schroder Asia Pacific fund) - EXSAOE


2017 26.75


2015 26.63 ●Global Shares 96.7%











for the year ending 30 june 2017 investment performance and … · 2017-09-05 · colonial...

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