Post on 08-Jul-2020
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 $1000)
Rev ersionary Bonus
Ordinary7
Superannuation7,8
Whole of Life, Endowment and Pure Endowment policies originally issued by CMLA and Scottish
Amicable insurance companies
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Asset Allocation at 30 June 20171
Ordinary – 5 PT Superannuation – 1 PT
Australian Shares 18.8%
Australian Shares 13.0%
Global Shares 14.4% Global Shares 10.1%
Alternativesoo 21.6% Alternativesoo 22.3%
Fixed interest 40.5% Fixed interest 51.1%
Cash 4.7% Cash 3.5%
Contract/
component
code
Statutory fundSum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Ordinary7
Whole of Life - LargeC01H, C01I,
C01U5 PT 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 $1000)
Terminal Bonus
Superannuation7,8
Whole of Life, Endowment and Pure Endowment policies originally issued by CMLA and Scottish
Amicable insurance companies (cont.)
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Asset Allocation at 30 June 20171
Ordinary – 5 PT Superannuation – 1 PT
Australian Shares 18.8%
Australian Shares 13.0%
Global Shares 14.4% Global Shares 10.1%
Alternativesoo 21.6% Alternativesoo 22.3%
Fixed interest 40.5% Fixed interest 51.1%
Cash 4.7% Cash 3.5%
Whole of Life and Endowment policies originally issued by the Legal & General insurance company
Contract/
component
code
Statutory fundSum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Premium Pay ing -
Rev ersionary
I02, I04, I06,
I07, I08, I095 PT 1.0 1.0 1.0 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 $1000)
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Return to contents
Contract/
component
code
Statutory fundSum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
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 $1000)
Whole of Life, Endowment and Pure Endowment policies originally issued by Aetna and Prudential
Assurance companies
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Asset Allocation at 30 June 20171
Ordinary – 5 PT Superannuation – 1 PT
Australian Shares 18.8%
Australian Shares 13.0%
Global Shares 14.4% Global Shares 10.1%
Alternativesoo 21.6% Alternativesoo 22.3%
Fixed interest 40.5% Fixed interest 51.1%
Cash 4.7% Cash 3.5%
Contract/
component
code
Statutory fundSum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Series 1 - TerminalC11A, C11B,
C12A5 PT 0.0-4080.0 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
2016 bonus rate6 (per $1000)
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 $1000)
10
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XX
Return to contents Asset Allocation at 30 June 20171
Ordinary – 5 PI Superannuation – 1 PI
Australian Shares 6.4%
Australian Shares 6.4%
Global Shares 4.4% Global Shares 4.4%
Alternativesoo 9.5% Alternativesoo 9.4%
Fixed interest 70.5% Fixed interest 70.4%
Cash 9.2% Cash 9.4%
Contract/
component
code
Statutory fundSum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Sum assured
($)
Reversionary
bonus ($)
Series 1 C25A 5 PI 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
2012 bonus rate6 (per $1000)
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
Return to contents
Asset Allocation at 30 June 20171
Ordinary – 5NPI Superannuation – 1NPI
Australian Shares 5.7%
Australian Shares 5.8%
Global Shares 3.3% Global Shares 3.3%
Alternativesoo 6.6% Alternativesoo 6.7%
Fixed interest 40.2% Fixed interest 40.2%
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
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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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Capital Stable Growth Fund (Wealth Portfolio) - CAPGN
Investment objective
2017 2.53
2016 1.41 ●Australian Shares 9.9%
2015 3.31 ●Global Shares 10.4%
2014 4.63 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.60 2013 4.45 ●Alternatives°° 10.2%
5 years (%p.a.) 3.26 ●Fixed Interest 34.0%
10 years (%p.a.) 2.30 ●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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Capital Stable Growth Plus Fund - CAPGPN
Investment objective
2017 2.88
2016 1.85 ●Australian Shares 9.9%
2015 3.79 ●Global Shares 10.4%
2014 5.15 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 4.91 ●Alternatives°° 10.2%
5 years (%p.a.) 3.71 ●Fixed Interest 34.0%
10 years (%p.a.) 2.76 ●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.
Asset Allocation at 30 June 20171
Risk: Low to medium
13
XX
XX
X X
XX
XX
Balanced Primary Fund (Wealth Portfolio) - BALN
Investment objective
2017 4.73
2016 -2.42 ●Australian Shares 28.1%
2015 2.97 ●Global Shares 28.7%
2014 6.05 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.64 2013 7.41 ●Alternatives°° 15.1%
5 years (%p.a.) 3.69 ●Fixed Interest 8.1%
10 years (%p.a.) 0.02 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Balanced Growth Fund (Wealth Portfolio) - BALGN
Investment objective
2017 7.16
2016 0.61 ●Australian Shares 28.1%
2015 6.16 ●Global Shares 28.7%
2014 9.35 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.64 2013 10.72 ●Alternatives°° 15.1%
5 years (%p.a.) 6.74 ●Fixed Interest 8.1%
10 years (%p.a.) 3.04 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Balanced Growth Plus Fund - BALGPN
Investment objective
2017 7.60
2016 1.13 ●Australian Shares 28.1%
2015 6.65 ●Global Shares 28.7%
2014 9.91 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 11.13 ●Alternatives°° 15.1%
5 years (%p.a.) 7.23 ●Fixed Interest 8.1%
10 years (%p.a.) 3.50 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
14
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X X
XX
XX
Equity Profile Primary Fund (Wealth Portfolio) - EQPN
Investment objective
2017 6.34
2016 -3.12 ●Australian Shares 32.8%
2015 3.62 ●Global Shares 34.2%
2014 7.03 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.72 2013 9.59 ●Alternatives°° 15.5%
5 years (%p.a.) 4.60 ●Fixed Interest 0.0%
10 years (%p.a.) 0.17 ●Cash 17.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Equity Profile Growth Fund (Wealth Portfolio) - EQPGN
Investment objective
2017 8.80
2016 -0.12 ●Australian Shares 32.8%
2015 6.82 ●Global Shares 34.2%
2014 10.36 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.72 2013 12.97 ●Alternatives°° 15.5%
5 years (%p.a.) 7.67 ●Fixed Interest 0.0%
10 years (%p.a.) 3.19 ●Cash 17.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Equity Profile Growth Plus Fund - EQPGPN
Investment objective
2017 9.20
2016 0.32 ●Australian Shares 32.8%
2015 7.31 ●Global Shares 34.2%
2014 10.90 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 13.53 ●Alternatives°° 15.5%
5 years (%p.a.) 8.16 ●Fixed Interest 0.0%
10 years (%p.a.) 3.65 ●Cash 17.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
15
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Capital Guaranteed (Wealth Portfolio) - CGORD1
Investment objective
2017 3.35
2016 3.75 ●Australian Shares 2.5%
2015 4.20 ●Global Shares 7.5%
2014 4.47 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.75 ●Alternatives°° 10.5%
5 years (%p.a.) 3.90 ●Fixed Interest 70.7%
10 years (%p.a.) 4.08 ●Cash 8.8%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed - CGORD2
Investment objective
2017 3.35
2016 3.75 ●Australian Shares 2.5%
2015 4.20 ●Global Shares 7.5%
2014 4.47 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.75 ●Alternatives°° 10.5%
5 years (%p.a.) 3.90 ●Fixed Interest 70.7%
10 years (%p.a.) 4.08 ●Cash 8.8%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
16
XX
XX
X X
XX
XX
Investment Bond (Multi-Bond)7 (INVBOND1)
Cash Fund - CASH-N
Investment objective
2017 0.02
2016 0.10 ●Australian Shares 0.0%
2015 0.32 ●Global Shares 0.0%
2014 0.35 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 0.77 ●Alternatives°° 0.0%
5 years (%p.a.) 0.32 ●Fixed Interest 0.0%
10 years (%p.a.) 1.18 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Stable Fund - CAPSNG
Investment objective
2017 2.41
2016 1.40 ●Australian Shares 9.9%
2015 3.29 ●Global Shares 10.4%
2014 4.62 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 4.43 ●Alternatives°° 10.2%
5 years (%p.a.) 3.23 ●Fixed Interest 34.0%
10 years (%p.a.) 2.29 ●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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Balanced Fund - BALI-N
Investment objective
2017 7.07
2016 0.64 ●Australian Shares 28.1%
2015 6.13 ●Global Shares 28.7%
2014 9.32 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 10.70 ●Alternatives°° 15.1%
5 years (%p.a.) 6.72 ●Fixed Interest 8.1%
10 years (%p.a.) 3.03 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
17
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Equity Profile Fund - EPNG
Investment objective
2017 8.73
2016 -0.13 ●Australian Shares 32.8%
2015 6.82 ●Global Shares 34.2%
2014 10.35 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 12.97 ●Alternatives°° 15.5%
5 years (%p.a.) 7.65 ●Fixed Interest 0.0%
10 years (%p.a.) 3.17 ●Cash 17.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed - CGORD1
Investment objective
2017 3.35
2016 3.75 ●Australian Shares 2.5%
2015 4.20 ●Global Shares 7.5%
2014 4.47 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.75 ●Alternatives°° 10.5%
5 years (%p.a.) 3.90 ●Fixed Interest 70.7%
10 years (%p.a.) 4.08 ●Cash 8.8%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
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
Investment objective
2017 0.03
2016 0.11 ●Australian Shares 0.0%
2015 0.33 ●Global Shares 0.0%
2014 0.26 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 0.74 ●Alternatives°° 0.0%
5 years (%p.a.) 0.29 ●Fixed Interest 0.0%
10 years (%p.a.) 1.18 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Stable Fund - CAPSNG
Investment objective
2017 2.41
2016 1.40 ●Australian Shares 9.9%
2015 3.29 ●Global Shares 10.4%
2014 4.62 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 4.43 ●Alternatives°° 10.2%
5 years (%p.a.) 3.23 ●Fixed Interest 34.0%
10 years (%p.a.) 2.29 ●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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Capital Stable II Fund (Bond'92) - CS2NG
Investment objective
2017 2.40
2016 1.42 ●Australian Shares 9.9%
2015 3.28 ●Global Shares 10.4%
2014 4.65 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 4.46 ●Alternatives°° 10.2%
5 years (%p.a.) 3.23 ●Fixed Interest 34.0%
10 years (%p.a.) 2.30 ●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.
Asset Allocation at 30 June 20171
Risk: Low to medium
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XX
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Balanced Fund - BALANG
Investment objective
2017 7.05
2016 0.67 ●Australian Shares 28.1%
2015 6.15 ●Global Shares 28.7%
2014 9.34 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 10.70 ●Alternatives°° 15.1%
5 years (%p.a.) 6.73 ●Fixed Interest 8.1%
10 years (%p.a.) 3.02 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Equity Profile Fund - EPNG
Investment objective
2017 8.73
2016 -0.13 ●Australian Shares 32.8%
2015 6.82 ●Global Shares 34.2%
2014 10.35 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 12.97 ●Alternatives°° 15.5%
5 years (%p.a.) 7.65 ●Fixed Interest 0.0%
10 years (%p.a.) 3.17 ●Cash 17.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed - CGORD1
Investment objective
2017 3.35
2016 3.75 ●Australian Shares 2.5%
2015 4.20 ●Global Shares 7.5%
2014 4.47 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.75 ●Alternatives°° 10.5%
5 years (%p.a.) 3.90 ●Fixed Interest 70.7%
10 years (%p.a.) 4.08 ●Cash 8.8%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
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
Investment objective
2017 0.42
2016 0.56 ●Australian Shares 0.0%
2015 0.79 ●Global Shares 0.0%
2014 0.71 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 1.19 ●Alternatives°° 0.0%
5 years (%p.a.) 0.73 ●Fixed Interest 0.0%
10 years (%p.a.) 1.64 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Stable Fund - SCPSNG
Investment objective
2017 2.88
2016 1.85 ●Australian Shares 9.9%
2015 3.76 ●Global Shares 10.4%
2014 5.10 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.41 2013 4.90 ●Alternatives°° 10.2%
5 years (%p.a.) 3.69 ●Fixed Interest 34.0%
10 years (%p.a.) 2.75 ●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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Balanced Fund (Investment Bond 'S' Series, Inlife Series 2) - SBALNG
Investment objective
2017 7.60
2016 1.14 ●Australian Shares 28.1%
2015 6.64 ●Global Shares 28.7%
2014 9.84 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.42 2013 11.22 ●Alternatives°° 15.1%
5 years (%p.a.) 7.23 ●Fixed Interest 8.1%
10 years (%p.a.) 3.50 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
21
XX
XX
X X
XX
XX
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Balanced Fund (Investment Bond - Managed Pru Bond) - BOND4N
Investment objective
2017 7.59
2016 1.12 ●Australian Shares 28.1%
2015 6.64 ●Global Shares 28.7%
2014 9.85 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.43 2013 11.21 ●Alternatives°° 15.1%
5 years (%p.a.) 7.22 ●Fixed Interest 8.1%
10 years (%p.a.) 3.49 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Equity Profile Fund - SEPNG
Investment objective
2017 9.23
2016 0.35 ●Australian Shares 32.8%
2015 7.32 ●Global Shares 34.2%
2014 10.87 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.44 2013 13.49 ●Alternatives°° 15.5%
5 years (%p.a.) 8.16 ●Fixed Interest 0.0%
10 years (%p.a.) 3.65 ●Cash 17.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed - CGORD1
Investment objective
2017 3.35
2016 3.75 ●Australian Shares 2.5%
2015 4.20 ●Global Shares 7.5%
2014 4.47 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.75 ●Alternatives°° 10.5%
5 years (%p.a.) 3.90 ●Fixed Interest 70.7%
10 years (%p.a.) 4.08 ●Cash 8.8%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
22
XX
XX
X X
XX
XX
Investment Bond (Bond ’93)7 (IB93)
Fixed Interest Fund - FI93NG
Investment objective
2017 -0.48
2016 2.66 ●Australian Shares 0.0%
2015 1.73 ●Global Shares 0.0%
2014 3.48 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2013 1.23 ●Alternatives°° 0.0%
5 years (%p.a.) 1.72 ●Fixed Interest 99.3%
10 years (%p.a.) 2.64 ●Cash 0.7%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Medium
Capital Stable Fund - CS93NG
Investment objective
2017 2.30
2016 1.29 ●Australian Shares 9.9%
2015 3.18 ●Global Shares 10.4%
2014 4.51 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2013 4.34 ●Alternatives°° 10.2%
5 years (%p.a.) 3.12 ●Fixed Interest 34.0%
10 years (%p.a.) 2.18 ●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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Balanced Fund - B93NG
Investment objective
2017 6.97
2016 0.53 ●Australian Shares 28.1%
2015 6.04 ●Global Shares 28.7%
2014 9.22 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2013 10.62 ●Alternatives°° 15.1%
5 years (%p.a.) 6.62 ●Fixed Interest 8.1%
10 years (%p.a.) 2.93 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
23
XX
XX
X X
XX
XX
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Equity Profile Fund - EP93NG
Investment objective
2017 8.63
2016 -0.23 ●Australian Shares 32.8%
2015 6.74 ●Global Shares 34.2%
2014 10.24 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2013 12.82 ●Alternatives°° 15.5%
5 years (%p.a.) 7.55 ●Fixed Interest 0.0%
10 years (%p.a.) 3.09 ●Cash 17.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed - CGORD1
Investment objective
2017 3.35
2016 3.75 ●Australian Shares 2.5%
2015 4.20 ●Global Shares 7.5%
2014 4.47 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.75 ●Alternatives°° 10.5%
5 years (%p.a.) 3.90 ●Fixed Interest 70.7%
10 years (%p.a.) 4.08 ●Cash 8.8%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
24
XX
XX
X X
XX
XX
Investment Bond (Capital Guaranteed Bond) (ACTUBOND, XAETBNDN)
Return to contents
Capital Guaranteed - CGORD1
Investment objective
2017 3.35
2016 3.75 ●Australian Shares 2.5%
2015 4.20 ●Global Shares 7.5%
2014 4.47 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.75 ●Alternatives°° 10.5%
5 years (%p.a.) 3.90 ●Fixed Interest 70.7%
10 years (%p.a.) 4.08 ●Cash 8.8%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
25
XX
XX
X X
XX
XX
Managed Investment Bond7 (MIB)
Return to contents
Capital Guaranteed Cash Fund - SOGA
Investment objective
2017 0.35
2016 0.48 ●Australian Shares 0.0%
2015 0.70 ●Global Shares 0.0%
2014 0.63 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2013 1.11 ●Alternatives°° 0.0%
5 years (%p.a.) 0.65 ●Fixed Interest 0.0%
10 years (%p.a.) 1.60 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Managed Growth Fund - SOMA
Investment objective
2017 7.93
2016 1.44 ●Australian Shares 28.1%
2015 6.97 ●Global Shares 28.7%
2014 10.14 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.20* 2013 11.46 ●Alternatives°° 15.1%
5 years (%p.a.) 7.53 ●Fixed Interest 8.1%
10 years (%p.a.) 3.78 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
26
XX
XX
X X
XX
XX
Bond 20007 (M2000)
Return to contents
Capital Guaranteed Cash Fund - SOGB
Investment objective
2017 0.33
2016 0.47 ●Australian Shares 0.0%
2015 0.72 ●Global Shares 0.0%
2014 0.63 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2013 1.10 ●Alternatives°° 0.0%
5 years (%p.a.) 0.65 ●Fixed Interest 0.0%
10 years (%p.a.) 1.55 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Managed Growth Fund - SOMB
Investment objective
2017 7.62
2016 1.14 ●Australian Shares 28.1%
2015 6.67 ●Global Shares 28.7%
2014 9.81 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2013 11.13 ●Alternatives°° 15.1%
5 years (%p.a.) 7.22 ●Fixed Interest 8.1%
10 years (%p.a.) 3.48 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
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
Investment objective
2017 0.83
2016 1.73 ●Australian Shares 2.8%
2015 2.42 ●Global Shares 7.2%
2014 2.94 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 2.27 ●Alternatives°° 5.3%
5 years (%p.a.) 2.03 ●Fixed Interest 40.7%
10 years (%p.a.) 1.99 ●Cash 44.0%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Fund (Easy Saver Plus) (non-participating)4 - AM
Investment objective
2017 0.83
2016 1.73 ●Australian Shares 2.8%
2015 2.42 ●Global Shares 7.2%
2014 2.94 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 2.27 ●Alternatives°° 5.3%
5 years (%p.a.) 2.03 ●Fixed Interest 40.7%
10 years (%p.a.) 1.99 ●Cash 44.0%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Cash Fund - VM
Investment objective
2017 0.22
2016 0.27 ●Australian Shares 0.0%
2015 0.51 ●Global Shares 0.0%
2014 0.36 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 0.95 ●Alternatives°° 0.0%
5 years (%p.a.) 0.46 ●Fixed Interest 0.0%
10 years (%p.a.) 1.43 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
28
XX
XX
X X
XX
XX
Capital Secure Fund - DM
Investment objective
2017 2.61
2016 1.59 ●Australian Shares 9.9%
2015 3.48 ●Global Shares 10.4%
2014 4.83 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 4.68 ●Alternatives°° 10.2%
5 years (%p.a.) 3.43 ●Fixed Interest 34.0%
10 years (%p.a.) 2.49 ●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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Balanced Fund - MM
Investment objective
2017 7.29
2016 0.86 ●Australian Shares 28.1%
2015 6.36 ●Global Shares 28.7%
2014 9.58 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 10.92 ●Alternatives°° 15.1%
5 years (%p.a.) 6.95 ●Fixed Interest 8.1%
10 years (%p.a.) 3.25 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Managed Growth Fund (LJ and LM Units) - LM
Investment objective
2017 7.29
2016 0.86 ●Australian Shares 28.1%
2015 6.35 ●Global Shares 28.7%
2014 9.48 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 11.01 ●Alternatives°° 15.1%
5 years (%p.a.) 6.94 ●Fixed Interest 8.1%
10 years (%p.a.) 3.23 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
29
XX
XX
X X
XX
XX
Return to contents
Managed Growth Fund (PJ and PM units) - PM
Investment objective
2017 7.32
2016 0.86 ●Australian Shares 28.1%
2015 6.35 ●Global Shares 28.7%
2014 9.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 10.91 ●Alternatives°° 15.1%
5 years (%p.a.) 6.95 ●Fixed Interest 8.1%
10 years (%p.a.) 3.21 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
30
XX
XX
X X
XX
XX
LifeWise - Series 4 and 57 (LIFEWISE4, LIFEWISE5)
Capital Guaranteed Fund (non-participating)4 - J
Investment objective
2017 0.02
2016 0.48 ●Australian Shares 2.8%
2015 1.17 ●Global Shares 7.2%
2014 1.68 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.90 2013 1.02 ●Alternatives°° 5.3%
5 years (%p.a.) 0.87 ●Fixed Interest 40.7%
10 years (%p.a.) 0.88 ●Cash 44.0%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Cash Fund (Series 5) - VP
Investment objective
2017 0.00
2016 0.00 ●Australian Shares 0.0%
2015 0.00 ●Global Shares 0.0%
2014 0.01 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.91 2013 0.01 ●Alternatives°° 0.0%
5 years (%p.a.) 0.00 ●Fixed Interest 0.0%
10 years (%p.a.) 0.47 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Secure Fund (Series 5) - DP
Investment objective
2017 1.30
2016 0.31 ●Australian Shares 9.9%
2015 2.17 ●Global Shares 10.4%
2014 3.54 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.92 2013 3.33 ●Alternatives°° 10.2%
5 years (%p.a.) 2.12 ●Fixed Interest 34.0%
10 years (%p.a.) 1.18 ●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.
Asset Allocation at 30 June 20171
Risk: Low to medium
31
XX
XX
X X
XX
XX
Return to contents
Managed Growth Fund - LP
Investment objective
2017 5.89
2016 -0.48 ●Australian Shares 28.1%
2015 4.96 ●Global Shares 28.7%
2014 8.14 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.93 2013 9.54 ●Alternatives°° 15.1%
5 years (%p.a.) 5.56 ●Fixed Interest 8.1%
10 years (%p.a.) 1.95 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
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
Investment objective
2017 8.62
2016 2.09 ●Australian Shares 28.1%
2015 7.66 ●Global Shares 28.7%
2014 10.88 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2013 12.23 ●Alternatives°° 15.1%
5 years (%p.a.) 8.24 ●Fixed Interest 8.1%
10 years (%p.a.) 4.44 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Managed Growth Fund (Series 3) - B
Investment objective
2017 7.29
2016 0.83 ●Australian Shares 28.1%
2015 6.36 ●Global Shares 28.7%
2014 9.56 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 10.97 ●Alternatives°° 15.1%
5 years (%p.a.) 6.94 ●Fixed Interest 8.1%
10 years (%p.a.) 3.24 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
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
Investment objective
2017 0.33
2016 0.48 ●Australian Shares 0.0%
2015 0.69 ●Global Shares 0.0%
2014 0.62 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2013 1.10 ●Alternatives°° 0.0%
5 years (%p.a.) 0.64 ●Fixed Interest 0.0%
10 years (%p.a.) 1.58 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Managed Growth Fund (Early Series/Late Series) - OM_PROT, OM_UNPROT
Investment objective
2017 7.62
2016 1.11 ●Australian Shares 28.1%
2015 6.64 ●Global Shares 28.7%
2014 9.83 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2013 11.13 ●Alternatives°° 15.1%
5 years (%p.a.) 7.21 ●Fixed Interest 8.1%
10 years (%p.a.) 3.46 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
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
Investment objective
2017 0.82
2016 1.73 ●Australian Shares 2.8%
2015 2.42 ●Global Shares 7.2%
2014 2.94 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 2.27 ●Alternatives°° 5.3%
5 years (%p.a.) 2.03 ●Fixed Interest 40.7%
10 years (%p.a.) 1.98 ●Cash 44.0%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Fund (Limited Offer and non-participating)4 - CGIBLO
Investment objective
2017 0.87
2016 1.78 ●Australian Shares 2.8%
2015 2.47 ●Global Shares 7.2%
2014 2.99 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.60 2013 2.32 ●Alternatives°° 5.3%
5 years (%p.a.) 2.08 ●Fixed Interest 40.7%
10 years (%p.a.) 2.03 ●Cash 44.0%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Cash Fund (Insurance Bond) - VY
Investment objective
2017 0.17
2016 0.32 ●Australian Shares 0.0%
2015 0.64 ●Global Shares 0.0%
2014 0.46 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 0.94 ●Alternatives°° 0.0%
5 years (%p.a.) 0.51 ●Fixed Interest 0.0%
10 years (%p.a.) 1.41 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
35
XX
XX
X X
XX
XX
Return to contents
Capital Secure Fund - DA
Investment objective
2017 2.63
2016 1.62 ●Australian Shares 9.9%
2015 3.48 ●Global Shares 10.4%
2014 4.83 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 4.64 ●Alternatives°° 10.2%
5 years (%p.a.) 3.43 ●Fixed Interest 34.0%
10 years (%p.a.) 2.50 ●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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Balanced Fund - MB
Investment objective
2017 7.30
2016 0.85 ●Australian Shares 28.1%
2015 6.36 ●Global Shares 28.7%
2014 9.53 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 10.89 ●Alternatives°° 15.1%
5 years (%p.a.) 6.93 ●Fixed Interest 8.1%
10 years (%p.a.) 3.22 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Managed Growth Fund - LB
Investment objective
2017 7.31
2016 0.93 ●Australian Shares 28.1%
2015 6.37 ●Global Shares 28.7%
2014 9.56 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 10.91 ●Alternatives°° 15.1%
5 years (%p.a.) 6.96 ●Fixed Interest 8.1%
10 years (%p.a.) 3.24 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
36
XX
XX
X X
XX
XX
Insurance Bond Series III7 (IB1, IB1+)
Capital Guaranteed Fund (non-participating)4 - CGIB1
Investment objective
2017 0.72
2016 1.63 ●Australian Shares 2.8%
2015 2.32 ●Global Shares 7.2%
2014 2.83 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2013 2.17 ●Alternatives°° 5.3%
5 years (%p.a.) 1.93 ●Fixed Interest 40.7%
10 years (%p.a.) 1.89 ●Cash 44.0%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Cash Fund - VY1
Investment objective
2017 0.07
2016 0.20 ●Australian Shares 0.0%
2015 0.43 ●Global Shares 0.0%
2014 0.35 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2013 0.83 ●Alternatives°° 0.0%
5 years (%p.a.) 0.38 ●Fixed Interest 0.0%
10 years (%p.a.) 1.30 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Secure Fund - DA1
Investment objective
2017 2.58
2016 1.49 ●Australian Shares 9.9%
2015 3.38 ●Global Shares 10.4%
2014 4.79 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2013 4.53 ●Alternatives°° 10.2%
5 years (%p.a.) 3.35 ●Fixed Interest 34.0%
10 years (%p.a.) 2.40 ●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.
Asset Allocation at 30 June 20171
Risk: Low to medium
37
XX
XX
X X
XX
XX
Return to contents
Balanced Fund - MB1
Investment objective
2017 7.02
2016 0.55 ●Australian Shares 28.1%
2015 5.48 ●Global Shares 28.7%
2014 9.44 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2013 10.79 ●Alternatives°° 15.1%
5 years (%p.a.) 6.60 ●Fixed Interest 8.1%
10 years (%p.a.) 3.03 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Managed Growth Fund - PB1
Investment objective
2017 7.18
2016 0.75 ●Australian Shares 28.1%
2015 6.31 ●Global Shares 28.7%
2014 9.44 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2013 10.80 ●Alternatives°° 15.1%
5 years (%p.a.) 6.84 ●Fixed Interest 8.1%
10 years (%p.a.) 3.13 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Australian Share Fund - YB1
Investment objective
2017 10.45
2016 -1.79 ●Australian Shares 99.2%
2015 1.28 ●Global Shares 0.0%
2014 10.75 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2013 13.55 ●Alternatives°° 0.0%
5 years (%p.a.) 6.68 ●Fixed Interest 0.0%
10 years (%p.a.) 1.84 ●Cash 0.8%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
38
XX
XX
X X
XX
XX
Insurance Bond Series IV7 (IB4, IB4+)
Capital Guaranteed Fund (non-participating)4 - CGIB4
Investment objective
2017 1.75
2016 2.76 ●Australian Shares 2.8%
2015 3.83 ●Global Shares 7.2%
2014 4.18 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2013 5.48 ●Alternatives°° 5.3%
5 years (%p.a.) 3.59 ●Fixed Interest 40.7%
10 years (%p.a.) 3.69 ●Cash 44.0%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Cash Fund - VY4
Investment objective
2017 0.09
2016 0.22 ●Australian Shares 0.0%
2015 0.44 ●Global Shares 0.0%
2014 0.37 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2013 0.85 ●Alternatives°° 0.0%
5 years (%p.a.) 0.39 ●Fixed Interest 0.0%
10 years (%p.a.) 1.47 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Australian Fixed Interest Fund - ZB4
Investment objective
2017 -0.24
2016 2.90 ●Australian Shares 0.0%
2015 1.95 ●Global Shares 0.0%
2014 3.68 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2013 1.49 ●Alternatives°° 0.0%
5 years (%p.a.) 1.95 ●Fixed Interest 99.3%
10 years (%p.a.) 2.94 ●Cash 0.7%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Medium
39
XX
XX
X X
XX
XX
Capital Secure Fund - DA4
Investment objective
2017 2.58
2016 1.57 ●Australian Shares 9.9%
2015 3.48 ●Global Shares 10.4%
2014 4.80 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2013 4.57 ●Alternatives°° 10.2%
5 years (%p.a.) 3.39 ●Fixed Interest 34.0%
10 years (%p.a.) 2.48 ●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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Balanced Fund - MB4
Investment objective
2017 7.35
2016 0.88 ●Australian Shares 28.1%
2015 6.41 ●Global Shares 28.7%
2014 9.52 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2013 10.84 ●Alternatives°° 15.1%
5 years (%p.a.) 6.94 ●Fixed Interest 8.1%
10 years (%p.a.) 3.24 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Managed Growth Fund - PB4
Investment objective
2017 7.34
2016 0.90 ●Australian Shares 28.1%
2015 6.38 ●Global Shares 28.7%
2014 9.56 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2013 10.90 ●Alternatives°° 15.1%
5 years (%p.a.) 6.96 ●Fixed Interest 8.1%
10 years (%p.a.) 3.26 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
40
XX
XX
X X
XX
XX
Return to contents
Australian Share Fund - YB4
Investment objective
2017 11.44
2016 -0.77 ●Australian Shares 99.2%
2015 3.25 ●Global Shares 0.0%
2014 11.86 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75* 2013 15.66 ●Alternatives°° 0.0%
5 years (%p.a.) 8.11 ●Fixed Interest 0.0%
10 years (%p.a.) 2.73 ●Cash 0.8%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
41
XX
XX
X X
XX
XX
Insurance Bond Security Plus7 (IBS+)
Return to contents
Capital Secure Fund - DA
Investment objective
2017 2.63
2016 1.62 ●Australian Shares 9.9%
2015 3.48 ●Global Shares 10.4%
2014 4.83 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 4.64 ●Alternatives°° 10.2%
5 years (%p.a.) 3.43 ●Fixed Interest 34.0%
10 years (%p.a.) 2.50 ●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.
Asset Allocation at 30 June 20171
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
Investment objective
2017 7.31
2016 0.93 ●Australian Shares 28.1%
2015 6.37 ●Global Shares 28.7%
2014 9.56 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 10.91 ●Alternatives°° 15.1%
5 years (%p.a.) 6.96 ●Fixed Interest 8.1%
10 years (%p.a.) 3.24 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
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
Investment objective
2017 9.64
2016 1.55 ●Australian Shares 28.7%
2015 8.29 ●Global Shares 28.8%
2014 12.38 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 14.46 ●Alternatives°° 17.0%
5 years (%p.a.) 9.17 ●Fixed Interest 8.3%
10 years (%p.a.) 4.42 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
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
Investment objective
2017 1.29
2016 2.85 ●Australian Shares 2.9%
2015 3.91 ●Global Shares 7.0%
2014 4.03 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 3.28 ●Alternatives°° 5.4%
5 years (%p.a.) 3.07 ●Fixed Interest 40.2%
10 years (%p.a.) 2.79 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Cash Fund - UW
Investment objective
2017 0.71
2016 0.88 ●Australian Shares 0.0%
2015 1.15 ●Global Shares 0.0%
2014 1.06 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 1.66 ●Alternatives°° 0.0%
5 years (%p.a.) 1.09 ●Fixed Interest 0.0%
10 years (%p.a.) 2.21 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very Low
Capital Secure Fund - FG
Investment objective
2017 3.80
2016 2.55 ●Australian Shares 10.5%
2015 4.83 ●Global Shares 11.0%
2014 6.67 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 6.31 ●Alternatives°° 11.9%
5 years (%p.a.) 4.82 ●Fixed Interest 35.1%
10 years (%p.a.) 3.59 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
45
XX
XX
X X
XX
XX
Return to contents
Balanced Fund - NS
Investment objective
2017 9.60
2016 1.55 ●Australian Shares 28.7%
2015 8.30 ●Global Shares 28.8%
2014 12.42 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 14.45 ●Alternatives°° 17.0%
5 years (%p.a.) 9.17 ●Fixed Interest 8.3%
10 years (%p.a.) 4.43 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Managed Growth Fund - CS
Investment objective
2017 9.64
2016 1.55 ●Australian Shares 28.7%
2015 8.29 ●Global Shares 28.8%
2014 12.38 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 14.46 ●Alternatives°° 17.0%
5 years (%p.a.) 9.17 ●Fixed Interest 8.3%
10 years (%p.a.) 4.42 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
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
Investment objective
2017 1.09
2016 2.65 ●Australian Shares 2.9%
2015 3.71 ●Global Shares 7.0%
2014 3.83 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 3.08 ●Alternatives°° 5.4%
5 years (%p.a.) 2.87 ●Fixed Interest 40.2%
10 years (%p.a.) 2.60 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Cash Fund - UW1
Investment objective
2017 0.51
2016 0.68 ●Australian Shares 0.0%
2015 0.93 ●Global Shares 0.0%
2014 0.86 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 1.42 ●Alternatives°° 0.0%
5 years (%p.a.) 0.88 ●Fixed Interest 0.0%
10 years (%p.a.) 1.99 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Australian Fixed Interest Fund - XS1
Investment objective
2017 0.14
2016 4.10 ●Australian Shares 0.0%
2015 2.83 ●Global Shares 0.0%
2014 5.10 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 2.14 ●Alternatives°° 0.0%
5 years (%p.a.) 2.85 ●Fixed Interest 99.1%
10 years (%p.a.) 4.23 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Medium
47
XX
XX
X X
XX
XX
Capital Secure Fund - FG1
Investment objective
2017 3.58
2016 2.32 ●Australian Shares 10.5%
2015 4.72 ●Global Shares 11.0%
2014 6.48 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 6.09 ●Alternatives°° 11.9%
5 years (%p.a.) 4.63 ●Fixed Interest 35.1%
10 years (%p.a.) 3.39 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Balanced Fund - NS1
Investment objective
2017 9.38
2016 1.26 ●Australian Shares 28.7%
2015 8.10 ●Global Shares 28.8%
2014 12.19 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 14.21 ●Alternatives°° 17.0%
5 years (%p.a.) 8.94 ●Fixed Interest 8.3%
10 years (%p.a.) 4.21 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Managed Growth Fund - QS1
Investment objective
2017 9.38
2016 1.37 ●Australian Shares 28.7%
2015 8.08 ●Global Shares 28.8%
2014 12.21 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 14.26 ●Alternatives°° 17.0%
5 years (%p.a.) 8.97 ●Fixed Interest 8.3%
10 years (%p.a.) 4.22 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
48
XX
XX
X X
XX
XX
Return to contents
Australian Share Fund - WS1
Investment objective
2017 14.74
2016 -0.78 ●Australian Shares 99.8%
2015 3.97 ●Global Shares 0.0%
2014 15.17 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 20.64 ●Alternatives°° 0.0%
5 years (%p.a.) 10.46 ●Fixed Interest 0.0%
10 years (%p.a.) 3.43 ●Cash 0.2%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
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
Investment objective
2017 1.54
2016 2.43 ●Australian Shares 2.9%
2015 3.85 ●Global Shares 7.0%
2014 4.54 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2013 6.90 ●Alternatives°° 5.4%
5 years (%p.a.) 3.84 ●Fixed Interest 40.2%
10 years (%p.a.) 4.49 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Cash Fund - UW4
Investment objective
2017 0.52
2016 0.69 ●Australian Shares 0.0%
2015 0.95 ●Global Shares 0.0%
2014 0.89 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2013 1.47 ●Alternatives°° 0.0%
5 years (%p.a.) 0.90 ●Fixed Interest 0.0%
10 years (%p.a.) 2.04 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Australian Fixed Interest Fund - XS4
Investment objective
2017 0.13
2016 4.13 ●Australian Shares 0.0%
2015 2.87 ●Global Shares 0.0%
2014 4.99 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2013 2.13 ●Alternatives°° 0.0%
5 years (%p.a.) 2.84 ●Fixed Interest 99.1%
10 years (%p.a.) 4.27 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Medium
50
XX
XX
X X
XX
XX
Capital Secure Fund - FG4
Investment objective
2017 3.60
2016 2.35 ●Australian Shares 10.5%
2015 4.71 ●Global Shares 11.0%
2014 6.42 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2013 6.11 ●Alternatives°° 11.9%
5 years (%p.a.) 4.63 ●Fixed Interest 35.1%
10 years (%p.a.) 3.42 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Balanced Fund - NS4
Investment objective
2017 9.48
2016 1.34 ●Australian Shares 28.7%
2015 8.16 ●Global Shares 28.8%
2014 12.18 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2013 14.25 ●Alternatives°° 17.0%
5 years (%p.a.) 8.99 ●Fixed Interest 8.3%
10 years (%p.a.) 4.26 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Managed Growth Fund - QS4
Investment objective
2017 9.47
2016 1.37 ●Australian Shares 28.7%
2015 8.05 ●Global Shares 28.8%
2014 12.14 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2013 14.23 ●Alternatives°° 17.0%
5 years (%p.a.) 8.96 ●Fixed Interest 8.3%
10 years (%p.a.) 4.25 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
51
XX
XX
X X
XX
XX
Return to contents
Australian Share Fund - WS4
Investment objective
2017 14.79
2016 -0.66 ●Australian Shares 99.8%
2015 4.09 ●Global Shares 0.0%
2014 15.23 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2013 20.65 ●Alternatives°° 0.0%
5 years (%p.a.) 10.54 ●Fixed Interest 0.0%
10 years (%p.a.) 3.56 ●Cash 0.2%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
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
Investment objective
2017 1.14
2016 2.70 ●Australian Shares 2.9%
2015 3.76 ●Global Shares 7.0%
2014 3.88 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.65 2013 3.13 ●Alternatives°° 5.4%
5 years (%p.a.) 2.92 ●Fixed Interest 40.2%
10 years (%p.a.) 2.65 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
53
XX
XX
X X
XX
XX
SuperSpan Limited Offer (Multi Option)7 (SSLOM)
Capital Guaranteed Fund (non-participating)4 - CGSB
Investment objective
2017 1.29
2016 2.85 ●Australian Shares 2.9%
2015 3.91 ●Global Shares 7.0%
2014 4.03 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 3.28 ●Alternatives°° 5.4%
5 years (%p.a.) 3.07 ●Fixed Interest 40.2%
10 years (%p.a.) 2.79 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Cash Fund - UW
Investment objective
2017 0.71
2016 0.88 ●Australian Shares 0.0%
2015 1.15 ●Global Shares 0.0%
2014 1.06 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 1.66 ●Alternatives°° 0.0%
5 years (%p.a.) 1.09 ●Fixed Interest 0.0%
10 years (%p.a.) 2.21 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very Low
Capital Secure Fund - FG
Investment objective
2017 3.80
2016 2.55 ●Australian Shares 10.5%
2015 4.83 ●Global Shares 11.0%
2014 6.67 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 6.31 ●Alternatives°° 11.9%
5 years (%p.a.) 4.82 ●Fixed Interest 35.1%
10 years (%p.a.) 3.59 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
54
XX
XX
X X
XX
XX
Return to contents
Balanced Fund - NS
Investment objective
2017 9.60
2016 1.55 ●Australian Shares 28.7%
2015 8.30 ●Global Shares 28.8%
2014 12.42 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 14.45 ●Alternatives°° 17.0%
5 years (%p.a.) 9.17 ●Fixed Interest 8.3%
10 years (%p.a.) 4.43 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Managed Growth Fund - CS
Investment objective
2017 9.64
2016 1.55 ●Australian Shares 28.7%
2015 8.29 ●Global Shares 28.8%
2014 12.38 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 14.46 ●Alternatives°° 17.0%
5 years (%p.a.) 9.17 ●Fixed Interest 8.3%
10 years (%p.a.) 4.42 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
55
XX
XX
X X
XX
XX
SuperSpan II (Multi Option) Deferred Annuity7 (SSIIM)
Capital Guaranteed Cash Fund - UX
Investment objective
2017 0.00
2016 0.02 ●Australian Shares 0.0%
2015 0.06 ●Global Shares 0.0%
2014 0.01 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.60 2013 0.57 ●Alternatives°° 0.0%
5 years (%p.a.) 0.13 ●Fixed Interest 0.0%
10 years (%p.a.) 1.16 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Secure Fund - FG
Investment objective
2017 3.80
2016 2.55 ●Australian Shares 10.5%
2015 4.83 ●Global Shares 11.0%
2014 6.67 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 6.31 ●Alternatives°° 11.9%
5 years (%p.a.) 4.82 ●Fixed Interest 35.1%
10 years (%p.a.) 3.59 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Balanced Fund - NS
Investment objective
2017 9.60
2016 1.55 ●Australian Shares 28.7%
2015 8.30 ●Global Shares 28.8%
2014 12.42 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.51 2013 14.45 ●Alternatives°° 17.0%
5 years (%p.a.) 9.17 ●Fixed Interest 8.3%
10 years (%p.a.) 4.43 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
56
XX
XX
X X
XX
XX
Return to contents
Managed Growth Fund - CS
Investment objective
2017 9.64
2016 1.55 ●Australian Shares 28.7%
2015 8.29 ●Global Shares 28.8%
2014 12.38 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.52 2013 14.46 ●Alternatives°° 17.0%
5 years (%p.a.) 9.17 ●Fixed Interest 8.3%
10 years (%p.a.) 4.42 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
57
XX
XX
X X
XX
XX
SuperCash Deferred Annuity7 (SC)
Return to contents
Capital Guaranteed Cash Fund - UX
Investment objective
2017 0.00
2016 0.02 ●Australian Shares 0.0%
2015 0.06 ●Global Shares 0.0%
2014 0.01 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.60 2013 0.57 ●Alternatives°° 0.0%
5 years (%p.a.) 0.13 ●Fixed Interest 0.0%
10 years (%p.a.) 1.16 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
58
XX
XX
X X
XX
XX
Rollover Deferred Annuity, SuperBond7 (RDA, SIB)
Return to contents
Capital Guaranteed Cash Fund - SSGA
Investment objective
2017 0.71
2016 0.89 ●Australian Shares 0.0%
2015 1.14 ●Global Shares 0.0%
2014 1.06 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2013 1.69 ●Alternatives°° 0.0%
5 years (%p.a.) 1.10 ●Fixed Interest 0.0%
10 years (%p.a.) 2.23 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Managed Fund - SSMA
Investment objective
2017 9.67
2016 1.61 ●Australian Shares 28.7%
2015 8.31 ●Global Shares 28.8%
2014 12.40 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2013 14.44 ●Alternatives°° 17.0%
5 years (%p.a.) 9.19 ●Fixed Interest 8.3%
10 years (%p.a.) 4.45 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed Fund (non-participating)4 - CGSB
Investment objective
2017 1.29
2016 2.85 ●Australian Shares 2.9%
2015 3.91 ●Global Shares 7.0%
2014 4.03 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2013 3.28 ●Alternatives°° 5.4%
5 years (%p.a.) 3.07 ●Fixed Interest 40.2%
10 years (%p.a.) 2.79 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
59
XX
XX
X X
XX
XX
SuperBond 20007 (S2000)
Return to contents
Capital Guaranteed Cash Fund - SSGB
Investment objective
2017 0.71
2016 0.89 ●Australian Shares 0.0%
2015 1.14 ●Global Shares 0.0%
2014 1.06 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2013 1.67 ●Alternatives°° 0.0%
5 years (%p.a.) 1.09 ●Fixed Interest 0.0%
10 years (%p.a.) 2.22 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Managed Growth Fund - SSMB
Investment objective
2017 9.57
2016 1.39 ●Australian Shares 28.7%
2015 7.15 ●Global Shares 28.8%
2014 11.74 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2013 13.09 ●Alternatives°° 17.0%
5 years (%p.a.) 8.51 ●Fixed Interest 8.3%
10 years (%p.a.) 4.14 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
60
XX
XX
X X
XX
XX
TAP Allocated Annuity7 (TAE2E, TAE2E+)
Capital Guaranteed Fund (non-participating)4 - KST2
Investment objective
2017 1.60
2016 1.95 ●Australian Shares 3.2%
2015 2.78 ●Global Shares 7.1%
2014 3.68 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2013 5.42 ●Alternatives°° 5.6%
5 years (%p.a.) 3.08 ●Fixed Interest 40.1%
10 years (%p.a.) 4.44 ●Cash 44.0%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Cash Fund - UWT2
Investment objective
2017 0.94
2016 1.13 ●Australian Shares 0.0%
2015 1.46 ●Global Shares 0.0%
2014 1.34 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2013 2.03 ●Alternatives°° 0.0%
5 years (%p.a.) 1.38 ●Fixed Interest 0.0%
10 years (%p.a.) 2.69 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Australian Fixed Interest Fund - XST2
Investment objective
2017 0.42
2016 5.00 ●Australian Shares 0.0%
2015 3.59 ●Global Shares 0.0%
2014 6.22 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2013 2.86 ●Alternatives°° 0.0%
5 years (%p.a.) 3.60 ●Fixed Interest 99.4%
10 years (%p.a.) 5.33 ●Cash 0.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Medium
61
XX
XX
X X
XX
XX
Capital Secure Fund - FGT2
Investment objective
2017 4.49
2016 3.19 ●Australian Shares 11.0%
2015 5.68 ●Global Shares 10.8%
2014 7.62 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2013 7.31 ●Alternatives°° 12.1%
5 years (%p.a.) 5.65 ●Fixed Interest 34.4%
10 years (%p.a.) 4.37 ●Cash 31.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. To achieve a return of Consumer
Price Index (CPI) plus 2.5% p.a. over a rolling three-
year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Low to medium
Balanced Fund - NST2
Investment objective
2017 10.70
2016 1.84 ●Australian Shares 28.8%
2015 9.57 ●Global Shares 28.5%
2014 14.08 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2013 16.56 ●Alternatives°° 17.0%
5 years (%p.a.) 10.43 ●Fixed Interest 8.3%
10 years (%p.a.) 4.85 ●Cash 17.4%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Managed Growth Fund - QST2
Investment objective
2017 10.69
2016 1.84 ●Australian Shares 28.8%
2015 9.56 ●Global Shares 28.5%
2014 14.08 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2013 16.57 ●Alternatives°° 17.0%
5 years (%p.a.) 10.43 ●Fixed Interest 8.3%
10 years (%p.a.) 4.83 ●Cash 17.4%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
62
XX
XX
X X
XX
XX
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Australian Share Fund - WST2
Investment objective
2017 17.10
2016 -0.41 ●Australian Shares 97.8%
2015 4.89 ●Global Shares 0.0%
2014 16.85 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70* 2013 23.44 ●Alternatives°° 0.0%
5 years (%p.a.) 12.03 ●Fixed Interest 0.0%
10 years (%p.a.) 3.73 ●Cash 2.2%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
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
Investment objective
2017 1.20
2016 -0.91 ●Australian Shares 10.5%
2015 1.24 ●Global Shares 11.0%
2014 3.05 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.60 2013 2.78 ●Alternatives°° 11.9%
5 years (%p.a.) 1.46 ●Fixed Interest 35.1%
10 years (%p.a.) 0.21 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Capital Stable Growth Fund (Wealth Portfolio) - CAPGS
Investment objective
2017 3.54
2016 2.16 ●Australian Shares 10.5%
2015 4.38 ●Global Shares 11.0%
2014 6.25 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.60 2013 5.95 ●Alternatives°° 11.9%
5 years (%p.a.) 4.44 ●Fixed Interest 35.1%
10 years (%p.a.) 3.23 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Capital Stable Growth Plus Fund - CAPGPS
Investment objective
2017 3.83
2016 2.63 ●Australian Shares 10.5%
2015 4.95 ●Global Shares 11.0%
2014 6.73 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 6.41 ●Alternatives°° 11.9%
5 years (%p.a.) 4.90 ●Fixed Interest 35.1%
10 years (%p.a.) 3.67 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
64
XX
XX
X X
XX
XX
Balanced Primary Fund (Wealth Portfolio) - BALS
Investment objective
2017 6.84
2016 -1.83 ●Australian Shares 28.7%
2015 4.67 ●Global Shares 28.8%
2014 8.53 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.64 2013 10.68 ●Alternatives°° 17.0%
5 years (%p.a.) 5.69 ●Fixed Interest 8.3%
10 years (%p.a.) 1.02 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Balanced Growth Fund (Wealth Portfolio) - BALGS
Investment objective
2017 9.31
2016 1.21 ●Australian Shares 28.7%
2015 7.91 ●Global Shares 28.8%
2014 11.90 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.64 2013 14.09 ●Alternatives°° 17.0%
5 years (%p.a.) 8.80 ●Fixed Interest 8.3%
10 years (%p.a.) 4.06 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Balanced Growth Plus Fund - BALGPS
Investment objective
2017 9.66
2016 1.65 ●Australian Shares 28.7%
2015 8.40 ●Global Shares 28.8%
2014 12.50 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 14.55 ●Alternatives°° 17.0%
5 years (%p.a.) 9.26 ●Fixed Interest 8.3%
10 years (%p.a.) 4.51 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
65
XX
XX
X X
XX
XX
Equity Profile Primary Fund (Wealth Portfolio) - EQPS
Investment objective
2017 8.93
2016 -2.29 ●Australian Shares 34.4%
2015 5.52 ●Global Shares 34.7%
2014 9.90 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.72 2013 13.22 ●Alternatives°° 17.5%
5 years (%p.a.) 6.92 ●Fixed Interest 0.0%
10 years (%p.a.) 1.21 ●Cash 13.4%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Equity Profile Growth Fund (Wealth Portfolio) - EQPGS
Investment objective
2017 11.45
2016 0.74 ●Australian Shares 34.4%
2015 8.78 ●Global Shares 34.7%
2014 13.32 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.72 2013 16.71 ●Alternatives°° 17.5%
5 years (%p.a.) 10.06 ●Fixed Interest 0.0%
10 years (%p.a.) 4.26 ●Cash 13.4%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Equity Profile Growth Plus Fund - EQPGPS
Investment objective
2017 12.01
2016 1.16 ●Australian Shares 34.4%
2015 9.25 ●Global Shares 34.7%
2014 13.87 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 17.19 ●Alternatives°° 17.5%
5 years (%p.a.) 10.56 ●Fixed Interest 0.0%
10 years (%p.a.) 4.73 ●Cash 13.4%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
66
XX
XX
X X
XX
XX
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Capital Guaranteed - CGSUP5
Investment objective
2017 3.99
2016 4.31 ●Australian Shares 2.7%
2015 4.68 ●Global Shares 7.3%
2014 4.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.61 ●Alternatives°° 10.8%
5 years (%p.a.) 4.18 ●Fixed Interest 70.6%
10 years (%p.a.) 4.54 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed (Wealth Portfolio) - CGSUP1
Investment objective
2017 3.99
2016 4.31 ●Australian Shares 2.7%
2015 4.68 ●Global Shares 7.3%
2014 4.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.61 ●Alternatives°° 10.8%
5 years (%p.a.) 4.18 ●Fixed Interest 70.6%
10 years (%p.a.) 4.54 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
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
Investment objective
2017 6.76
2016 1.08 ●Australian Shares 28.7%
2015 7.77 ●Global Shares 28.8%
2014 11.94 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 14.03 ●Alternatives°° 17.0%
5 years (%p.a.) 8.22 ●Fixed Interest 8.3%
10 years (%p.a.) 3.73 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Pru-Plan Unit Linked Balanced Fund - PLAN5S
Investment objective
2017 9.24
2016 1.18 ●Australian Shares 28.7%
2015 7.92 ●Global Shares 28.8%
2014 12.03 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 14.12 ●Alternatives°° 17.0%
5 years (%p.a.) 8.81 ●Fixed Interest 8.3%
10 years (%p.a.) 4.01 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Capital Stable Growth Fund - CAPGS
Investment objective
2017 3.54
2016 2.16 ●Australian Shares 10.5%
2015 4.38 ●Global Shares 11.0%
2014 6.25 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 5.95 ●Alternatives°° 11.9%
5 years (%p.a.) 4.44 ●Fixed Interest 35.1%
10 years (%p.a.) 3.23 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
68
XX
XX
X X
XX
XX
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Equity Profile Growth Fund - EQPGS
Investment objective
2017 11.45
2016 0.74 ●Australian Shares 34.4%
2015 8.78 ●Global Shares 34.7%
2014 13.32 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 16.71 ●Alternatives°° 17.5%
5 years (%p.a.) 10.06 ●Fixed Interest 0.0%
10 years (%p.a.) 4.26 ●Cash 13.4%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed - CGSUP1
Investment objective
2017 3.99
2016 4.31 ●Australian Shares 2.7%
2015 4.68 ●Global Shares 7.3%
2014 4.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.61 ●Alternatives°° 10.8%
5 years (%p.a.) 4.18 ●Fixed Interest 70.6%
10 years (%p.a.) 4.54 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
69
XX
XX
X X
XX
XX
Pruplan Plus (PRUPLAN+)
Capital Stable Growth Plus Fund - CAPGPS
Investment objective
2017 3.83
2016 2.63 ●Australian Shares 10.5%
2015 4.95 ●Global Shares 11.0%
2014 6.73 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 6.41 ●Alternatives°° 11.9%
5 years (%p.a.) 4.90 ●Fixed Interest 35.1%
10 years (%p.a.) 3.67 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Capital Stable Growth Fund - CAPGS
Investment objective
2017 3.54
2016 2.16 ●Australian Shares 10.5%
2015 4.38 ●Global Shares 11.0%
2014 6.25 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 5.95 ●Alternatives°° 11.9%
5 years (%p.a.) 4.44 ●Fixed Interest 35.1%
10 years (%p.a.) 3.23 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Balanced Growth Plus Fund - BALGPS
Investment objective
2017 9.66
2016 1.65 ●Australian Shares 28.7%
2015 8.40 ●Global Shares 28.8%
2014 12.50 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 14.55 ●Alternatives°° 17.0%
5 years (%p.a.) 9.26 ●Fixed Interest 8.3%
10 years (%p.a.) 4.51 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
70
XX
XX
X X
XX
XX
Balanced Growth Fund - BALGS
Investment objective
2017 9.31
2016 1.21 ●Australian Shares 28.7%
2015 7.91 ●Global Shares 28.8%
2014 11.90 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 14.09 ●Alternatives°° 17.0%
5 years (%p.a.) 8.80 ●Fixed Interest 8.3%
10 years (%p.a.) 4.06 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Equity Profile Growth Plus Fund - EQPGPS
Investment objective
2017 12.01
2016 1.16 ●Australian Shares 34.4%
2015 9.25 ●Global Shares 34.7%
2014 13.87 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 17.19 ●Alternatives°° 17.5%
5 years (%p.a.) 10.56 ●Fixed Interest 0.0%
10 years (%p.a.) 4.73 ●Cash 13.4%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Equity Profile Growth Fund - EQPGS
Investment objective
2017 11.45
2016 0.74 ●Australian Shares 34.4%
2015 8.78 ●Global Shares 34.7%
2014 13.32 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 16.71 ●Alternatives°° 17.5%
5 years (%p.a.) 10.06 ●Fixed Interest 0.0%
10 years (%p.a.) 4.26 ●Cash 13.4%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
71
XX
XX
X X
XX
XX
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Capital Guaranteed - CGSUP1
Investment objective
2017 3.99
2016 4.31 ●Australian Shares 2.7%
2015 4.68 ●Global Shares 7.3%
2014 4.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.61 ●Alternatives°° 10.8%
5 years (%p.a.) 4.18 ●Fixed Interest 70.6%
10 years (%p.a.) 4.54 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed - Primary - CGSUP2
Investment objective
2017 0.99
2016 1.30 ●Australian Shares 2.7%
2015 1.68 ●Global Shares 7.3%
2014 1.32 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 0.62 ●Alternatives°° 10.8%
5 years (%p.a.) 1.18 ●Fixed Interest 70.6%
10 years (%p.a.) 1.54 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed - CGSUP5
Investment objective
2017 3.99
2016 4.31 ●Australian Shares 2.7%
2015 4.68 ●Global Shares 7.3%
2014 4.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.61 ●Alternatives°° 10.8%
5 years (%p.a.) 4.18 ●Fixed Interest 70.6%
10 years (%p.a.) 4.54 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
72
XX
XX
X X
XX
XX
Pruplan (MK1 and MK2) (PRUPLAN1, PRUPLAN2)
Return to contents
Capital Guaranteed - CGSUP1
Investment objective
2017 3.99
2016 4.31 ●Australian Shares 2.7%
2015 4.68 ●Global Shares 7.3%
2014 4.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.61 ●Alternatives°° 10.8%
5 years (%p.a.) 4.18 ●Fixed Interest 70.6%
10 years (%p.a.) 4.54 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed (MK2) - CGSUP3
Investment objective
2017 0.00
2016 0.00 ●Australian Shares 2.7%
2015 0.00 ●Global Shares 7.3%
2014 0.00 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 0.00 ●Alternatives°° 10.8%
5 years (%p.a.) 0.00 ●Fixed Interest 70.6%
10 years (%p.a.) 0.12 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed - CGSUP4
Investment objective
2017 3.99
2016 4.31 ●Australian Shares 2.7%
2015 4.68 ●Global Shares 7.3%
2014 4.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.61 ●Alternatives°° 10.8%
5 years (%p.a.) 4.18 ●Fixed Interest 70.6%
10 years (%p.a.) 4.54 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
73
XX
XX
X X
XX
XX
Superannuation Bond (Capital Guaranteed Bond), Deferred Annuity (XAETBNDS, AETDEFANN)
Return to contents
Capital Guaranteed - CGSUP1
Investment objective
2017 3.99
2016 4.31 ●Australian Shares 2.7%
2015 4.68 ●Global Shares 7.3%
2014 4.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.61 ●Alternatives°° 10.8%
5 years (%p.a.) 4.18 ●Fixed Interest 70.6%
10 years (%p.a.) 4.54 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
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
Investment objective
2017 9.74
2016 1.66 ●Australian Shares 28.7%
2015 8.40 ●Global Shares 28.8%
2014 12.49 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 14.46 ●Alternatives°° 17.0%
5 years (%p.a.) 9.26 ●Fixed Interest 8.3%
10 years (%p.a.) 4.52 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed Cash Fund - SCPFSG
Investment objective
2017 0.81
2016 0.99 ●Australian Shares 0.0%
2015 1.24 ●Global Shares 0.0%
2014 1.16 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 1.76 ●Alternatives°° 0.0%
5 years (%p.a.) 1.19 ●Fixed Interest 0.0%
10 years (%p.a.) 2.31 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Stable Fund - SCPSSG
Investment objective
2017 3.96
2016 2.63 ●Australian Shares 10.5%
2015 4.94 ●Global Shares 11.0%
2014 6.72 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 6.40 ●Alternatives°° 11.9%
5 years (%p.a.) 4.92 ●Fixed Interest 35.1%
10 years (%p.a.) 3.70 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
75
XX
XX
X X
XX
XX
Return to contents
Equity Profile Fund - SEPSG
Investment objective
2017 11.96
2016 1.18 ●Australian Shares 34.4%
2015 9.27 ●Global Shares 34.7%
2014 13.89 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 17.21 ●Alternatives°° 17.5%
5 years (%p.a.) 10.57 ●Fixed Interest 0.0%
10 years (%p.a.) 4.73 ●Cash 13.4%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed - CGSUP1
Investment objective
2017 3.99
2016 4.31 ●Australian Shares 2.7%
2015 4.68 ●Global Shares 7.3%
2014 4.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.61 ●Alternatives°° 10.8%
5 years (%p.a.) 4.18 ●Fixed Interest 70.6%
10 years (%p.a.) 4.54 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
76
XX
XX
X X
XX
XX
Superannuation Bond (Multi-Bond)7,8 (INVBOND1)
Balanced Fund - BALI-S
Investment objective
2017 9.24
2016 1.19 ●Australian Shares 28.7%
2015 7.90 ●Global Shares 28.8%
2014 11.97 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 14.09 ●Alternatives°° 17.0%
5 years (%p.a.) 8.79 ●Fixed Interest 8.3%
10 years (%p.a.) 4.06 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed Cash Fund - CAPFSG
Investment objective
2017 0.37
2016 0.54 ●Australian Shares 0.0%
2015 0.78 ●Global Shares 0.0%
2014 0.71 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 1.31 ●Alternatives°° 0.0%
5 years (%p.a.) 0.74 ●Fixed Interest 0.0%
10 years (%p.a.) 1.85 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Stable Fund ('91) - CAPSSG
Investment objective
2017 3.44
2016 2.17 ●Australian Shares 10.5%
2015 4.47 ●Global Shares 11.0%
2014 6.25 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 5.95 ●Alternatives°° 11.9%
5 years (%p.a.) 4.45 ●Fixed Interest 35.1%
10 years (%p.a.) 3.23 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
77
XX
XX
X X
XX
XX
Return to contents
Equity Profile Fund - EPSG
Investment objective
2017 11.39
2016 0.75 ●Australian Shares 34.4%
2015 8.77 ●Global Shares 34.7%
2014 13.40 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 16.77 ●Alternatives°° 17.5%
5 years (%p.a.) 10.08 ●Fixed Interest 0.0%
10 years (%p.a.) 4.26 ●Cash 13.4%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed - CGSUP1
Investment objective
2017 3.99
2016 4.31 ●Australian Shares 2.7%
2015 4.68 ●Global Shares 7.3%
2014 4.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.61 ●Alternatives°° 10.8%
5 years (%p.a.) 4.18 ●Fixed Interest 70.6%
10 years (%p.a.) 4.54 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
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
Investment objective
2017 0.81
2016 0.99 ●Australian Shares 0.0%
2015 1.24 ●Global Shares 0.0%
2014 1.16 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 1.76 ●Alternatives°° 0.0%
5 years (%p.a.) 1.19 ●Fixed Interest 0.0%
10 years (%p.a.) 2.31 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Stable Fund ('91) - SCPSSG
Investment objective
2017 3.96
2016 2.63 ●Australian Shares 10.5%
2015 4.94 ●Global Shares 11.0%
2014 6.72 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 6.40 ●Alternatives°° 11.9%
5 years (%p.a.) 4.92 ●Fixed Interest 35.1%
10 years (%p.a.) 3.70 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Capital Stable Fund ('92) - SCS2SG
Investment objective
2017 3.90
2016 2.63 ●Australian Shares 10.5%
2015 4.93 ●Global Shares 11.0%
2014 6.72 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 6.41 ●Alternatives°° 11.9%
5 years (%p.a.) 4.90 ●Fixed Interest 35.1%
10 years (%p.a.) 3.68 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
79
XX
XX
X X
XX
XX
Return to contents
Balanced Fund - SBALSG
Investment objective
2017 9.71
2016 1.66 ●Australian Shares 28.7%
2015 8.40 ●Global Shares 28.8%
2014 12.49 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 14.57 ●Alternatives°° 17.0%
5 years (%p.a.) 9.28 ●Fixed Interest 8.3%
10 years (%p.a.) 4.52 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Equity Profile Fund - SEPSG
Investment objective
2017 11.96
2016 1.18 ●Australian Shares 34.4%
2015 9.27 ●Global Shares 34.7%
2014 13.89 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 17.21 ●Alternatives°° 17.5%
5 years (%p.a.) 10.57 ●Fixed Interest 0.0%
10 years (%p.a.) 4.73 ●Cash 13.4%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed (Superannuation Bond "S" Series) - CGSUP1
Investment objective
2017 3.99
2016 4.31 ●Australian Shares 2.7%
2015 4.68 ●Global Shares 7.3%
2014 4.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.61 ●Alternatives°° 10.8%
5 years (%p.a.) 4.18 ●Fixed Interest 70.6%
10 years (%p.a.) 4.54 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
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
Investment objective
2017 9.24
2016 1.20 ●Australian Shares 28.7%
2015 7.93 ●Global Shares 28.8%
2014 12.00 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 14.10 ●Alternatives°° 17.0%
5 years (%p.a.) 8.80 ●Fixed Interest 8.3%
10 years (%p.a.) 4.06 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed Cash Fund - CAPFSG
Investment objective
2017 0.37
2016 0.54 ●Australian Shares 0.0%
2015 0.78 ●Global Shares 0.0%
2014 0.71 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 1.31 ●Alternatives°° 0.0%
5 years (%p.a.) 0.74 ●Fixed Interest 0.0%
10 years (%p.a.) 1.85 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Stable Fund ('91) - CAPSSG
Investment objective
2017 3.44
2016 2.17 ●Australian Shares 10.5%
2015 4.47 ●Global Shares 11.0%
2014 6.25 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 5.95 ●Alternatives°° 11.9%
5 years (%p.a.) 4.45 ●Fixed Interest 35.1%
10 years (%p.a.) 3.23 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
81
XX
XX
X X
XX
XX
Return to contents
Capital Stable Fund ('92) - CS2SG
Investment objective
2017 3.45
2016 2.16 ●Australian Shares 10.5%
2015 4.48 ●Global Shares 11.0%
2014 6.27 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 5.97 ●Alternatives°° 11.9%
5 years (%p.a.) 4.46 ●Fixed Interest 35.1%
10 years (%p.a.) 3.22 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Equity Profile Fund - EPSG
Investment objective
2017 11.39
2016 0.75 ●Australian Shares 34.4%
2015 8.77 ●Global Shares 34.7%
2014 13.40 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 16.77 ●Alternatives°° 17.5%
5 years (%p.a.) 10.08 ●Fixed Interest 0.0%
10 years (%p.a.) 4.26 ●Cash 13.4%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed - CGSUP1
Investment objective
2017 3.99
2016 4.31 ●Australian Shares 2.7%
2015 4.68 ●Global Shares 7.3%
2014 4.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.61 ●Alternatives°° 10.8%
5 years (%p.a.) 4.18 ●Fixed Interest 70.6%
10 years (%p.a.) 4.54 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
82
XX
XX
X X
XX
XX
Rollover and Super Bond 937,8 (ROLLOVER93, SB93)
Cash Fund - FI93SG
Investment objective
2017 0.23
2016 0.45 ●Australian Shares 0.0%
2015 0.68 ●Global Shares 0.0%
2014 0.61 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2013 1.20 ●Alternatives°° 0.0%
5 years (%p.a.) 0.63 ●Fixed Interest 0.0%
10 years (%p.a.) 1.74 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Stable Fund - CS93SG
Investment objective
2017 3.35
2016 2.07 ●Australian Shares 10.5%
2015 4.39 ●Global Shares 11.0%
2014 6.14 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2013 5.85 ●Alternatives°° 11.9%
5 years (%p.a.) 4.35 ●Fixed Interest 35.1%
10 years (%p.a.) 3.13 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Balanced Fund - B93SG
Investment objective
2017 9.13
2016 1.11 ●Australian Shares 28.7%
2015 7.81 ●Global Shares 28.8%
2014 11.78 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2013 13.97 ●Alternatives°° 17.0%
5 years (%p.a.) 8.67 ●Fixed Interest 8.3%
10 years (%p.a.) 3.95 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
83
XX
XX
X X
XX
XX
Return to contents
Equity Profile Fund - EP93SG
Investment objective
2017 11.36
2016 0.64 ●Australian Shares 34.4%
2015 8.65 ●Global Shares 34.7%
2014 13.27 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2013 16.57 ●Alternatives°° 17.5%
5 years (%p.a.) 9.96 ●Fixed Interest 0.0%
10 years (%p.a.) 4.16 ●Cash 13.4%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed - CGSUP1
Investment objective
2017 3.99
2016 4.31 ●Australian Shares 2.7%
2015 4.68 ●Global Shares 7.3%
2014 4.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A** 2013 3.61 ●Alternatives°° 10.8%
5 years (%p.a.) 4.18 ●Fixed Interest 70.6%
10 years (%p.a.) 4.54 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
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
Investment objective
2017 0.70
2016 2.00 ●Australian Shares 2.9%
2015 3.06 ●Global Shares 7.0%
2014 3.18 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.40 2013 2.43 ●Alternatives°° 5.4%
5 years (%p.a.) 2.27 ●Fixed Interest 40.2%
10 years (%p.a.) 2.01 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Fund (non-participating) (SCG)4 - GC
Investment objective
2017 0.70
2016 2.00 ●Australian Shares 2.9%
2015 3.06 ●Global Shares 7.0%
2014 3.18 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.40 2013 2.43 ●Alternatives°° 5.4%
5 years (%p.a.) 2.27 ●Fixed Interest 40.2%
10 years (%p.a.) 2.01 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
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
Investment objective
2017 1.09
2016 2.25 ●Australian Shares 2.9%
2015 3.38 ●Global Shares 7.0%
2014 3.54 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 2.69 ●Alternatives°° 5.4%
5 years (%p.a.) 2.58 ●Fixed Interest 40.2%
10 years (%p.a.) 2.88 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Cash Fund - UK
Investment objective
2017 0.23
2016 0.41 ●Australian Shares 0.0%
2015 0.67 ●Global Shares 0.0%
2014 0.70 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 1.27 ●Alternatives°° 0.0%
5 years (%p.a.) 0.66 ●Fixed Interest 0.0%
10 years (%p.a.) 1.80 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Secure Fund - FK
Investment objective
2017 3.31
2016 2.05 ●Australian Shares 10.5%
2015 4.35 ●Global Shares 11.0%
2014 6.23 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 5.90 ●Alternatives°° 11.9%
5 years (%p.a.) 4.36 ●Fixed Interest 35.1%
10 years (%p.a.) 3.18 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
86
XX
XX
X X
XX
XX
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Balanced Fund - NK
Investment objective
2017 9.10
2016 1.09 ●Australian Shares 28.7%
2015 7.79 ●Global Shares 28.8%
2014 11.91 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 14.04 ●Alternatives°° 17.0%
5 years (%p.a.) 8.69 ●Fixed Interest 8.3%
10 years (%p.a.) 4.02 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Managed Growth Fund (Retirement Saver) - CK
Investment objective
2017 9.12
2016 1.08 ●Australian Shares 28.7%
2015 7.80 ●Global Shares 28.8%
2014 11.97 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 14.06 ●Alternatives°° 17.0%
5 years (%p.a.) 8.71 ●Fixed Interest 8.3%
10 years (%p.a.) 4.00 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Managed Growth Fund (Series 2 and Plus) - QK
Investment objective
2017 9.11
2016 1.09 ●Australian Shares 28.7%
2015 7.77 ●Global Shares 28.8%
2014 11.96 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 14.02 ●Alternatives°° 17.0%
5 years (%p.a.) 8.70 ●Fixed Interest 8.3%
10 years (%p.a.) 4.02 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
87
XX
XX
X X
XX
XX
SuperWise - Series 4 and 58 (SUPERWISE4, SUPERWISE5)
Capital Guaranteed Fund (non-participating)4 - K
Investment objective
2017 0.56
2016 2.00 ●Australian Shares 2.9%
2015 3.06 ●Global Shares 7.0%
2014 3.18 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.85 2013 2.43 ●Alternatives°° 5.4%
5 years (%p.a.) 2.24 ●Fixed Interest 40.2%
10 years (%p.a.) 2.01 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Cash Fund (Series 5) - UQ
Investment objective
2017 0.02
2016 0.01 ●Australian Shares 0.0%
2015 0.03 ●Global Shares 0.0%
2014 0.00 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.85 2013 0.33 ●Alternatives°° 0.0%
5 years (%p.a.) 0.08 ●Fixed Interest 0.0%
10 years (%p.a.) 0.99 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Secure Fund (Series 5) - FQ
Investment objective
2017 2.28
2016 1.04 ●Australian Shares 10.5%
2015 3.32 ●Global Shares 11.0%
2014 5.19 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.85 2013 4.86 ●Alternatives°° 11.9%
5 years (%p.a.) 3.33 ●Fixed Interest 35.1%
10 years (%p.a.) 2.16 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
88
XX
XX
X X
XX
XX
Return to contents
Managed Growth Fund - CQ
Investment objective
2017 8.11
2016 0.18 ●Australian Shares 28.7%
2015 6.82 ●Global Shares 28.8%
2014 10.87 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.85 2013 12.93 ●Alternatives°° 17.0%
5 years (%p.a.) 7.69 ●Fixed Interest 8.3%
10 years (%p.a.) 3.01 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
89
XX
XX
X X
XX
XX
SuperLink, SuperLink Plus - Series 2 and 38 (SL1, SL2, SLS3)
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Managed Growth Fund (Superlink and Series 2) - CL
Investment objective
2017 10.65
2016 2.60 ●Australian Shares 28.7%
2015 9.41 ●Global Shares 28.8%
2014 13.52 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.48 2013 15.58 ●Alternatives°° 17.0%
5 years (%p.a.) 10.26 ●Fixed Interest 8.3%
10 years (%p.a.) 5.47 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Managed Growth Fund (Series 3) - S
Investment objective
2017 9.48
2016 1.45 ●Australian Shares 28.7%
2015 8.17 ●Global Shares 28.8%
2014 12.29 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 14.44 ●Alternatives°° 17.0%
5 years (%p.a.) 9.07 ●Fixed Interest 8.3%
10 years (%p.a.) 4.38 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
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
Investment objective
2017 0.72
2016 0.90 ●Australian Shares 0.0%
2015 1.14 ●Global Shares 0.0%
2014 1.08 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2013 1.68 ●Alternatives°° 0.0%
5 years (%p.a.) 1.10 ●Fixed Interest 0.0%
10 years (%p.a.) 2.23 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Managed Growth Fund (Early Series/Late Series) - SM_PROT, SM_UNPROT
Investment objective
2017 9.67
2016 1.60 ●Australian Shares 28.7%
2015 8.32 ●Global Shares 28.8%
2014 12.39 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50* 2013 14.47 ●Alternatives°° 17.0%
5 years (%p.a.) 9.20 ●Fixed Interest 8.3%
10 years (%p.a.) 4.46 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
91
XX
XX
X X
XX
XX
SuperUnits8 (SU)
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Managed Growth Fund - SU
Investment objective
2017 10.77
2016 2.61 ●Australian Shares 28.7%
2015 9.42 ●Global Shares 28.8%
2014 13.42 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.48* 2013 15.63 ●Alternatives°° 17.0%
5 years (%p.a.) 10.28 ●Fixed Interest 8.3%
10 years (%p.a.) 5.49 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
92
XX
XX
X X
XX
XX
CPSL Wholesale Superannuation Business7 (PRUES)
Capital Safe Fund - SCAPSF, SCAPSF03
Investment objective
2017 4.73
2016 3.44 ●Australian Shares 10.5%
2015 5.77 ●Global Shares 11.0%
2014 7.52 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2013 7.30 ●Alternatives°° 11.9%
5 years (%p.a.) 5.74 ●Fixed Interest 35.1%
10 years (%p.a.) 4.50 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Capital Guaranteed Fund (non-participating)4 - SCOLFG
Investment objective
2017 2.29
2016 3.85 ●Australian Shares 2.9%
2015 4.91 ●Global Shares 7.0%
2014 5.04 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2013 4.28 ●Alternatives°° 5.4%
5 years (%p.a.) 4.07 ●Fixed Interest 40.2%
10 years (%p.a.) 3.79 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
93
XX
XX
X X
XX
XX
Balanced Fund - SDISCR
Investment objective
2017 10.59
2016 2.51 ●Australian Shares 28.7%
2015 9.26 ●Global Shares 28.8%
2014 13.37 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2013 15.45 ●Alternatives°° 17.0%
5 years (%p.a.) 10.14 ●Fixed Interest 8.3%
10 years (%p.a.) 5.34 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Growth Fund - SGRWTH
Investment objective
2017 12.75
2016 1.87 ●Australian Shares 34.4%
2015 9.96 ●Global Shares 34.7%
2014 14.76 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2013 18.08 ●Alternatives°° 17.5%
5 years (%p.a.) 11.35 ●Fixed Interest 0.0%
10 years (%p.a.) 5.49 ●Cash 13.4%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed Cash Fund - SPACAS
Investment objective
2017 1.97
2016 2.16 ●Australian Shares 0.0%
2015 2.41 ●Global Shares 0.0%
2014 2.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.25 2013 2.94 ●Alternatives°° 0.0%
5 years (%p.a.) 2.36 ●Fixed Interest 0.0%
10 years (%p.a.) 3.49 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
94
XX
XX
X X
XX
XX
Return to contents
Australian Equity Fund - SPAEQU
Investment objective
2017 16.06
2016 0.41 ●Australian Shares 99.8%
2015 5.17 ●Global Shares 0.0%
2014 16.48 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2013 21.87 ●Alternatives°° 0.0%
5 years (%p.a.) 11.71 ●Fixed Interest 0.0%
10 years (%p.a.) 4.60 ●Cash 0.2%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
Australian Fixed Interest Fund - SPAFIX
Investment objective
2017 1.23
2016 5.25 ●Australian Shares 0.0%
2015 3.96 ●Global Shares 0.0%
2014 6.17 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2013 3.31 ●Alternatives°° 0.0%
5 years (%p.a.) 3.97 ●Fixed Interest 99.1%
10 years (%p.a.) 5.43 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Medium
International Equity Fund - SPIEQU
Investment objective
2017 17.98
2016 -1.49 ●Australian Shares 0.0%
2015 14.48 ●Global Shares 99.6%
2014 18.60 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2013 26.55 ●Alternatives°° 0.0%
5 years (%p.a.) 14.83 ●Fixed Interest 0.0%
10 years (%p.a.) 5.23 ●Cash 0.4%
Investment performance – Yearly returns to 30 June (%)
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 benchmark over a rolling seven-
year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
95
XX
XX
X X
XX
XX
CPSL Wholesale Exempt Business7 (PRUINO)
Capital Safe Fund - ECAPSF, ECAPSF03, FECAPSF
Investment objective
2017 5.61
2016 4.34 ●Australian Shares 11.0%
2015 6.82 ●Global Shares 10.8%
2014 8.78 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2013 8.45 ●Alternatives°° 12.1%
5 years (%p.a.) 6.79 ●Fixed Interest 34.4%
10 years (%p.a.) 5.48 ●Cash 31.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. To achieve a return of Consumer
Price Index (CPI) plus 2.5% p.a. over a rolling three-
year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Low to medium
Balanced Fund - EDISCR, FEDISCR
Investment objective
2017 11.92
2016 2.97 ●Australian Shares 28.8%
2015 10.76 ●Global Shares 28.5%
2014 15.28 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2013 17.80 ●Alternatives°° 17.0%
5 years (%p.a.) 11.63 ●Fixed Interest 8.3%
10 years (%p.a.) 5.97 ●Cash 17.4%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
96
XX
XX
X X
XX
XX
Growth Fund - EGRWTH, FEGRWTH
Investment objective
2017 14.33
2016 2.29 ●Australian Shares 34.7%
2015 11.37 ●Global Shares 34.4%
2014 16.81 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2013 20.65 ●Alternatives°° 18.4%
5 years (%p.a.) 12.92 ●Fixed Interest 0.0%
10 years (%p.a.) 6.02 ●Cash 12.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
Capital Guaranteed Cash Fund - EPACAS, FEPACAS
Investment objective
2017 2.26
2016 2.45 ●Australian Shares 0.0%
2015 2.79 ●Global Shares 0.0%
2014 2.78 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.25 2013 3.48 ●Alternatives°° 0.0%
5 years (%p.a.) 2.75 ●Fixed Interest 0.0%
10 years (%p.a.) 4.10 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Australian Equity Fund - EPAEQU, FEPAEQU
Investment objective
2017 18.30
2016 0.70 ●Australian Shares 97.8%
2015 6.09 ●Global Shares 0.0%
2014 18.11 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2013 24.77 ●Alternatives°° 0.0%
5 years (%p.a.) 13.25 ●Fixed Interest 0.0%
10 years (%p.a.) 4.86 ●Cash 2.2%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
97
XX
XX
X X
XX
XX
Return to contents
Australian Fixed Interest Fund - EPAFIX, FEPAFIX
Investment objective
2017 1.52
2016 6.11 ●Australian Shares 0.0%
2015 4.71 ●Global Shares 0.0%
2014 7.49 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2013 4.06 ●Alternatives°° 0.0%
5 years (%p.a.) 4.76 ●Fixed Interest 99.4%
10 years (%p.a.) 6.55 ●Cash 0.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Medium
Property Fund - EPAPRO
Investment objective
2017 1.16
2016 9.58 ●Australian Shares 0.0%
2015 11.50 ●Global Shares 0.0%
2014 12.77 ●Listed Property° 100.6%
Investment management fee (% p.a.)2: 0.80 2013 13.57 ●Alternatives°° 0.0%
5 years (%p.a.) 9.62 ●Fixed Interest 0.0%
10 years (%p.a.) 2.90 ●Cash -0.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very high
International Equity Fund - EPIEQU, FEPIEQU
Investment objective
2017 19.95
2016 -1.56 ●Australian Shares 0.0%
2015 16.58 ●Global Shares 99.1%
2014 20.27 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2013 27.92 ●Alternatives°° 0.0%
5 years (%p.a.) 16.19 ●Fixed Interest 0.0%
10 years (%p.a.) 5.95 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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 benchmark over a rolling seven-
year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
98
XX
XX
X X
XX
XX
CPSL Wholesale Non Superannuation Business7 (PRUINO)
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Balanced Fund - ODISCR
Investment objective
2017 8.38
2016 1.98 ●Australian Shares 28.1%
2015 7.55 ●Global Shares 28.7%
2014 10.76 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2013 12.07 ●Alternatives°° 15.1%
5 years (%p.a.) 8.09 ●Fixed Interest 8.1%
10 years (%p.a.) 4.30 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
99
XX
XX
X X
XX
XX
CPSL Wholesale Superannuation Business (SGIC Business Class Superannuation)7 (PRUINO)
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Capital Guaranteed Fund (non-participating)4 - SGICCG
Investment objective
2017 2.17
2016 2.81 ●Australian Shares 2.9%
2015 3.90 ●Global Shares 7.0%
2014 3.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 6.21 ●Alternatives°° 5.4%
5 years (%p.a.) 3.70 ●Fixed Interest 40.2%
10 years (%p.a.) 4.11 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
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
Asset Allocation at 30 June 20171
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
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2017 -1.07 4.91
2016 -0.70 5.31 ●Australian Shares 2.7%
2015 -0.40 5.63 ●Global Shares 7.3%
2014 -0.70 5.34 ●Listed Property 0.0%
Investment management fee (% p.a.)2:
Initial units: N/A*
Investment units: N/A*
2013 -1.62 4.31 ●Alternatives 10.8%
5 years (%p.a.) -0.90 5.10 ●Fixed Interest 70.6%
10 years (%p.a.) -0.39 5.64 ●Cash 8.6%Risk: Very low
Asset Allocation at 30 June 20171
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
101
XX
XX
X X
XX
XX
Fixed Interest Fund - 2FIU
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2017 -6.53 -0.21
2016 -2.84 3.77 ●Australian Shares 0.0%
2015 -4.01 2.51 ●Global Shares 0.0%
2014 -2.10 4.57 ●Listed Property 0.0%
Investment management fee (% p.a.)2:
Initial units: 8.4
Investment units: 2.05
2013 -4.70 1.75 ●Alternatives 0.0%
5 years (%p.a.) -4.05 2.46 ●Fixed Interest 99.1%
10 years (%p.a.) -2.70 3.89 ●Cash 0.9%Risk: Medium
Asset Allocation at 30 June 20171
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.
Property Fund - 2PRU
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
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%
Investment management fee (% p.a.)2:
Initial units: 8.4
Investment units: 2.3
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
Asset Allocation at 30 June 20171
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
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2017 -3.30 3.09
2016 -4.50 1.83 ●Australian Shares 10.5%
2015 -2.33 4.12 ●Global Shares 11.0%
2014 -0.71 5.89 ●Listed Property 0.0%
Investment management fee (% p.a.)2:
Initial units: 8.4
Investment units: 2.2
2013 -0.97 5.57 ●Alternatives 11.9%
5 years (%p.a.) -2.37 4.09 ●Fixed Interest 35.1%
10 years (%p.a.) -3.47 2.91 ●Cash 31.5%Risk: Low to medium
Asset Allocation at 30 June 20171
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
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2017 2.13 8.88
2016 -5.39 0.89 ●Australian Shares 28.7%
2015 0.88 7.54 ●Global Shares 28.8%
2014 4.62 11.57 ●Listed Property 0.0%
Investment management fee (% p.a.)2:
Initial units: 8.4
Investment units: 2.2
2013 6.60 13.63 ●Alternatives 17.0%
5 years (%p.a.) 1.68 8.41 ●Fixed Interest 8.3%
10 years (%p.a.) -2.69 3.74 ●Cash 17.2%Risk: High
Asset Allocation at 30 June 20171
To invest in a diversified portfolio of assets
expected to generate a mix of long-term capital
growth and income, but which may be volatile in
the short-to-medium term. 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
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
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%
Investment management fee (% p.a.)2:
Initial units: 8.4
Investment units: 2.3
2013 12.59 19.89 ●Alternatives 0.0%
5 years (%p.a.) 3.13 9.84 ●Fixed Interest 0.0%
10 years (%p.a.) -3.32 2.96 ●Cash 0.2%Risk: Very high
Asset Allocation at 30 June 20171
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
before fees and taxes.
International Equities Fund - 2INU
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2017 9.04 16.12
2016 -8.91 -2.98 ●Australian Shares 0.0%
2015 5.86 12.75 ●Global Shares 99.6%
2014 9.50 16.65 ●Listed Property 0.0%
Investment management fee (% p.a.)2:
Initial units: 8.4
Investment units: 2.3
2013 16.81 24.37 ●Alternatives 0.0%
5 years (%p.a.) 6.10 13.01 ●Fixed Interest 0.0%
10 years (%p.a.) -2.78 3.53 ●Cash 0.4%Risk: Very high
Asset Allocation at 30 June 20171
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
benchmark over a rolling seven-year period
before fees and taxes.
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
Investment objective
2017 0.53
2016 0.70 ●Australian Shares 0.0%
2015 0.95 ●Global Shares 0.0%
2014 0.87 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 1.47 ●Alternatives°° 0.0%
5 years (%p.a.) 0.90 ●Fixed Interest 0.0%
10 years (%p.a.) 2.04 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Fund - 1SUP
Investment objective
2017 6.15
2016 5.94 ●Australian Shares 2.7%
2015 5.67 ●Global Shares 7.3%
2014 5.81 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A* 2013 5.63 ●Alternatives°° 10.8%
5 years (%p.a.) 5.84 ●Fixed Interest 70.6%
10 years (%p.a.) 6.26 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
Fixed Interest Fund - 2FIX
Investment objective
2017 0.00
2016 4.00 ●Australian Shares 0.0%
2015 2.73 ●Global Shares 0.0%
2014 4.81 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 1.98 ●Alternatives°° 0.0%
5 years (%p.a.) 2.69 ●Fixed Interest 99.1%
10 years (%p.a.) 4.12 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Medium
104
XX
XX
X X
XX
XX
Property Fund - 2PRP
Investment objective
2017 1.39
2016 8.71 ●Australian Shares 0.0%
2015 9.95 ●Global Shares 0.0%
2014 9.66 ●Listed Property° 100.0%
Investment management fee (% p.a.)2: 2.05 2013 10.33 ●Alternatives°° 0.0%
5 years (%p.a.) 7.95 ●Fixed Interest 0.0%
10 years (%p.a.) 1.64 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
To outperform the option’s benchmark over a rolling
seven-year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
Stable Fund - 2STB
Investment objective
2017 3.36
2016 2.09 ●Australian Shares 10.5%
2015 4.40 ●Global Shares 11.0%
2014 6.17 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2013 5.87 ●Alternatives°° 11.9%
5 years (%p.a.) 4.37 ●Fixed Interest 35.1%
10 years (%p.a.) 3.19 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Consensus Stable Fund - 2CST
Investment objective
2017 3.51
2016 2.25 ●Australian Shares 10.3%
2015 4.50 ●Global Shares 10.7%
2014 6.24 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 6.17 ●Alternatives°° 10.6%
5 years (%p.a.) 4.52 ●Fixed Interest 34.5%
10 years (%p.a.) 3.32 ●Cash 33.9%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
105
XX
XX
X X
XX
XX
Managed Fund - 2MGD
Investment objective
2017 9.16
2016 1.15 ●Australian Shares 28.7%
2015 7.83 ●Global Shares 28.8%
2014 11.87 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.95 2013 13.94 ●Alternatives°° 17.0%
5 years (%p.a.) 8.70 ●Fixed Interest 8.3%
10 years (%p.a.) 4.01 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Consensus Managed Fund - 2CMG
Investment objective
2017 9.21
2016 1.29 ●Australian Shares 27.7%
2015 8.00 ●Global Shares 28.7%
2014 12.01 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.85 2013 14.13 ●Alternatives°° 15.7%
5 years (%p.a.) 8.84 ●Fixed Interest 8.0%
10 years (%p.a.) 3.90 ●Cash 19.9%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Australian Equities Fund - 2EQY
Investment objective
2017 14.39
2016 -1.02 ●Australian Shares 99.8%
2015 3.70 ●Global Shares 0.0%
2014 14.83 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.05 2013 20.24 ●Alternatives°° 0.0%
5 years (%p.a.) 10.14 ●Fixed Interest 0.0%
10 years (%p.a.) 3.23 ●Cash 0.2%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
106
XX
XX
X X
XX
XX
Return to contents
International Equities Fund - 2INT
Investment objective
2017 16.43
2016 -2.74 ●Australian Shares 0.0%
2015 12.98 ●Global Shares 99.6%
2014 16.95 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.05 2013 24.74 ●Alternatives°° 0.0%
5 years (%p.a.) 13.29 ●Fixed Interest 0.0%
10 years (%p.a.) 3.78 ●Cash 0.4%
Investment performance – Yearly returns to 30 June (%)
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 benchmark over a rolling seven-
year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
107
XX
XX
X X
XX
XX
Colonial Rollover Deposit Plan (E09)
Return to contents
Capital Guaranteed Fund3 - 1SUP
Investment objective
2017 6.15
2016 5.94 ●Australian Shares 2.7%
2015 5.67 ●Global Shares 7.3%
2014 5.81 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A* 2013 5.63 ●Alternatives°° 10.8%
5 years (%p.a.) 5.84 ●Fixed Interest 70.6%
10 years (%p.a.) 6.26 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
108
XX
XX
X X
XX
XX
SGIC Personal Superannuation Bond8 (ED3, EE3, EG3)
Capital Guaranteed Cash Fund - 7SCA
Investment objective
2017 0.53
2016 0.69 ●Australian Shares 0.0%
2015 0.94 ●Global Shares 0.0%
2014 0.90 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 1.46 ●Alternatives°° 0.0%
5 years (%p.a.) 0.90 ●Fixed Interest 0.0%
10 years (%p.a.) 2.04 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Fund4 - 6SCG
Investment objective
2017 2.17
2016 2.81 ●Australian Shares 2.9%
2015 3.91 ●Global Shares 7.0%
2014 3.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 6.22 ●Alternatives°° 5.4%
5 years (%p.a.) 3.70 ●Fixed Interest 40.2%
10 years (%p.a.) 4.11 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
109
XX
XX
X X
XX
XX
Fixed Interest Fund - 7SFI
Investment objective
2017 0.15
2016 4.25 ●Australian Shares 0.0%
2015 2.88 ●Global Shares 0.0%
2014 4.93 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 2.12 ●Alternatives°° 0.0%
5 years (%p.a.) 2.85 ●Fixed Interest 99.1%
10 years (%p.a.) 4.28 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Medium
Property Fund - 7SPF
Investment objective
2017 1.74
2016 9.10 ●Australian Shares 0.0%
2015 10.29 ●Global Shares 0.0%
2014 10.05 ●Listed Property° 100.0%
Investment management fee (% p.a.)2: 1.70 2013 10.91 ●Alternatives°° 0.0%
5 years (%p.a.) 8.37 ●Fixed Interest 0.0%
10 years (%p.a.) 1.99 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
To outperform the option’s benchmark over a rolling
seven-year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
Managed Fund - 7SMN
Investment objective
2017 9.45
2016 1.40 ●Australian Shares 28.7%
2015 8.10 ●Global Shares 28.8%
2014 12.15 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 14.21 ●Alternatives°° 17.0%
5 years (%p.a.) 8.97 ●Fixed Interest 8.3%
10 years (%p.a.) 4.26 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
110
XX
XX
X X
XX
XX
Australian Equities Fund - 7SAE
Investment objective
2017 14.80
2016 -0.71 ●Australian Shares 99.8%
2015 4.06 ●Global Shares 0.0%
2014 15.19 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 20.67 ●Alternatives°° 0.0%
5 years (%p.a.) 10.52 ●Fixed Interest 0.0%
10 years (%p.a.) 3.56 ●Cash 0.2%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
International Equities Fund - 7SIE
Investment objective
2017 16.83
2016 -2.39 ●Australian Shares 0.0%
2015 13.39 ●Global Shares 99.6%
2014 17.34 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 25.09 ●Alternatives°° 0.0%
5 years (%p.a.) 13.68 ●Fixed Interest 0.0%
10 years (%p.a.) 4.15 ●Cash 0.4%
Investment performance – Yearly returns to 30 June (%)
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 benchmark over a rolling seven-
year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
Capital Protected Fund - December - 7SP1
Investment objective
2017 0.41
2016 0.44 ●Australian Shares 0.0%
2015 0.83 ●Global Shares 0.0%
2014 0.86 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 1.45 ●Alternatives°° 0.0%
5 years (%p.a.) 0.80 ●Fixed Interest 0.0%
10 years (%p.a.) 1.97 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
111
XX
XX
X X
XX
XX
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Capital Protected Fund – June A (ex-March) - 7SP2
Investment objective
2017 0.40
2016 0.44 ●Australian Shares 0.0%
2015 0.82 ●Global Shares 0.0%
2014 0.88 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 1.45 ●Alternatives°° 0.0%
5 years (%p.a.) 0.80 ●Fixed Interest 0.0%
10 years (%p.a.) 1.97 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Protected Fund – June - 7SP3
Investment objective
2017 0.40
2016 0.44 ●Australian Shares 0.0%
2015 0.83 ●Global Shares 0.0%
2014 0.87 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 1.45 ●Alternatives°° 0.0%
5 years (%p.a.) 0.80 ●Fixed Interest 0.0%
10 years (%p.a.) 1.99 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Protected Fund - September - 7SP4
Investment objective
2017 0.41
2016 0.43 ●Australian Shares 0.0%
2015 0.83 ●Global Shares 0.0%
2014 0.86 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 1.45 ●Alternatives°° 0.0%
5 years (%p.a.) 0.80 ●Fixed Interest 0.0%
10 years (%p.a.) 1.97 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
112
XX
XX
X X
XX
XX
SGIC Rollover Deposit Plan7 (EC3, EF3)
Capital Guaranteed Cash Fund - 7RCA
Investment objective
2017 0.53
2016 0.69 ●Australian Shares 0.0%
2015 0.94 ●Global Shares 0.0%
2014 0.90 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 1.46 ●Alternatives°° 0.0%
5 years (%p.a.) 0.90 ●Fixed Interest 0.0%
10 years (%p.a.) 2.04 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Fund4 - 6RCG
Investment objective
2017 2.17
2016 2.81 ●Australian Shares 2.9%
2015 3.91 ●Global Shares 7.0%
2014 3.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 6.22 ●Alternatives°° 5.4%
5 years (%p.a.) 3.70 ●Fixed Interest 40.2%
10 years (%p.a.) 4.11 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
Fixed Interest Fund - 7RFI
Investment objective
2017 0.15
2016 4.25 ●Australian Shares 0.0%
2015 2.88 ●Global Shares 0.0%
2014 4.93 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 2.12 ●Alternatives°° 0.0%
5 years (%p.a.) 2.85 ●Fixed Interest 99.1%
10 years (%p.a.) 4.28 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Medium
113
XX
XX
X X
XX
XX
Property Fund - 7RPF
Investment objective
2017 1.74
2016 9.10 ●Australian Shares 0.0%
2015 10.29 ●Global Shares 0.0%
2014 10.05 ●Listed Property° 100.0%
Investment management fee (% p.a.)2: 1.70 2013 10.91 ●Alternatives°° 0.0%
5 years (%p.a.) 8.37 ●Fixed Interest 0.0%
10 years (%p.a.) 1.99 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
To outperform the option’s benchmark over a rolling
seven-year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
Managed Fund - 7RMN
Investment objective
2017 9.45
2016 1.40 ●Australian Shares 28.7%
2015 8.10 ●Global Shares 28.8%
2014 12.15 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 14.21 ●Alternatives°° 17.0%
5 years (%p.a.) 8.97 ●Fixed Interest 8.3%
10 years (%p.a.) 4.26 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Australian Equities Fund - 7RAE
Investment objective
2017 14.80
2016 -0.71 ●Australian Shares 99.8%
2015 4.06 ●Global Shares 0.0%
2014 15.19 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 20.67 ●Alternatives°° 0.0%
5 years (%p.a.) 10.52 ●Fixed Interest 0.0%
10 years (%p.a.) 3.56 ●Cash 0.2%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
114
XX
XX
X X
XX
XX
International Equities Fund - 7RIE
Investment objective
2017 16.83
2016 -2.39 ●Australian Shares 0.0%
2015 13.39 ●Global Shares 99.6%
2014 17.34 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 25.09 ●Alternatives°° 0.0%
5 years (%p.a.) 13.68 ●Fixed Interest 0.0%
10 years (%p.a.) 4.15 ●Cash 0.4%
Investment performance – Yearly returns to 30 June (%)
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 benchmark over a rolling seven-
year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
Capital Protected Fund - December - 7RP1
Investment objective
2017 0.41
2016 0.44 ●Australian Shares 0.0%
2015 0.83 ●Global Shares 0.0%
2014 0.86 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 1.45 ●Alternatives°° 0.0%
5 years (%p.a.) 0.80 ●Fixed Interest 0.0%
10 years (%p.a.) 1.97 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Protected Fund – June A (ex-March) - 7RP2
Investment objective
2017 0.40
2016 0.44 ●Australian Shares 0.0%
2015 0.82 ●Global Shares 0.0%
2014 0.88 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 1.45 ●Alternatives°° 0.0%
5 years (%p.a.) 0.80 ●Fixed Interest 0.0%
10 years (%p.a.) 1.97 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
115
XX
XX
X X
XX
XX
Return to contents
Capital Protected Fund – June - 7RP3
Investment objective
2017 0.40
2016 0.44 ●Australian Shares 0.0%
2015 0.83 ●Global Shares 0.0%
2014 0.87 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 1.45 ●Alternatives°° 0.0%
5 years (%p.a.) 0.80 ●Fixed Interest 0.0%
10 years (%p.a.) 1.99 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Protected Fund - September - 7RP4
Investment objective
2017 0.41
2016 0.43 ●Australian Shares 0.0%
2015 0.83 ●Global Shares 0.0%
2014 0.86 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 1.45 ●Alternatives°° 0.0%
5 years (%p.a.) 0.80 ●Fixed Interest 0.0%
10 years (%p.a.) 1.97 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
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
Investment objective
2017 4.35
2016 4.76 ●Australian Shares 2.7%
2015 5.03 ●Global Shares 7.3%
2014 4.70 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A* 2013 3.70 ●Alternatives°° 10.8%
5 years (%p.a.) 4.51 ●Fixed Interest 70.6%
10 years (%p.a.) 5.14 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
Table 62 and Plus - 1RAP
Investment objective
2017 5.25
2016 5.66 ●Australian Shares 2.7%
2015 5.94 ●Global Shares 7.3%
2014 5.60 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A* 2013 4.60 ●Alternatives°° 10.8%
5 years (%p.a.) 5.41 ●Fixed Interest 70.6%
10 years (%p.a.) 6.04 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
117
XX
XX
X X
XX
XX
Retirement Accumulation Plan7,8,3 (W02)
Return to contents
1RAP
Investment objective
2017 5.25
2016 5.66 ●Australian Shares 2.7%
2015 5.94 ●Global Shares 7.3%
2014 5.60 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A* 2013 4.60 ●Alternatives°° 10.8%
5 years (%p.a.) 5.41 ●Fixed Interest 70.6%
10 years (%p.a.) 6.04 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
118
XX
XX
X X
XX
XX
Private Trustee Superannuation7,3 (W04)
Return to contents
1LUS
Investment objective
2017 5.25
2016 5.66 ●Australian Shares 2.7%
2015 5.94 ●Global Shares 7.3%
2014 5.60 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A* 2013 4.60 ●Alternatives°° 10.8%
5 years (%p.a.) 5.41 ●Fixed Interest 70.6%
10 years (%p.a.) 6.04 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
119
XX
XX
X X
XX
XX
Life Umbrella8,3 Superannuation (W03)
Return to contents
1LUS
Investment objective
2017 5.25
2016 5.66 ●Australian Shares 2.7%
2015 5.94 ●Global Shares 7.3%
2014 5.60 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A* 2013 4.60 ●Alternatives°° 10.8%
5 years (%p.a.) 5.41 ●Fixed Interest 70.6%
10 years (%p.a.) 6.04 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
120
XX
XX
X X
XX
XX
SGIC Capital Guaranteed products
Colonial Rollover Bond4,7 (EA3)
Return to contents
6ROL
Investment objective
2017 2.17
2016 2.81 ●Australian Shares 2.9%
2015 3.90 ●Global Shares 7.0%
2014 3.45 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 6.22 ●Alternatives°° 5.4%
5 years (%p.a.) 3.70 ●Fixed Interest 40.2%
10 years (%p.a.) 4.11 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
121
XX
XX
X X
XX
XX
Money Plan Super4,8 (WA3)
Return to contents
6SMY
Investment objective
2017 2.37
2016 3.02 ●Australian Shares 2.9%
2015 4.10 ●Global Shares 7.0%
2014 3.65 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 6.41 ●Alternatives°° 5.4%
5 years (%p.a.) 3.90 ●Fixed Interest 40.2%
10 years (%p.a.) 4.30 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
122
XX
XX
X X
XX
XX
Colonial Rollover Bond4,7 (EB3)
Return to contents
6RNF
Investment objective
2017 1.82
2016 2.46 ●Australian Shares 2.9%
2015 3.55 ●Global Shares 7.0%
2014 3.10 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.05 2013 5.86 ●Alternatives°° 5.4%
5 years (%p.a.) 3.35 ●Fixed Interest 40.2%
10 years (%p.a.) 3.79 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
123
XX
XX
X X
XX
XX
Colonial Living Money7,8 (E07, E08)
Capital Guaranteed Cash Fund - 4CSH
Investment objective
2017 0.81
2016 1.00 ●Australian Shares 0.0%
2015 1.32 ●Global Shares 0.0%
2014 1.31 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 1.99 ●Alternatives°° 0.0%
5 years (%p.a.) 1.28 ●Fixed Interest 0.0%
10 years (%p.a.) 2.63 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Fixed Interest Fund - 4FIX
Investment objective
2017 0.21
2016 4.82 ●Australian Shares 0.0%
2015 3.38 ●Global Shares 0.0%
2014 6.08 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.80 2013 2.73 ●Alternatives°° 0.0%
5 years (%p.a.) 3.42 ●Fixed Interest 99.4%
10 years (%p.a.) 5.19 ●Cash 0.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Medium
Property Fund - 4PRP
Investment objective
2017 1.16
2016 9.87 ●Australian Shares 0.0%
2015 10.64 ●Global Shares 0.0%
2014 11.41 ●Listed Property° 100.0%
Investment management fee (% p.a.)2: 2.00 2013 12.19 ●Alternatives°° 0.0%
5 years (%p.a.) 8.98 ●Fixed Interest 0.0%
10 years (%p.a.) 1.94 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
To outperform the option’s benchmark over a rolling
seven-year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
124
XX
XX
X X
XX
XX
Stable Fund - 4STB
Investment objective
2017 4.15
2016 2.86 ●Australian Shares 11.0%
2015 5.36 ●Global Shares 10.8%
2014 7.37 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.90 2013 7.08 ●Alternatives°° 12.1%
5 years (%p.a.) 5.35 ●Fixed Interest 34.4%
10 years (%p.a.) 4.11 ●Cash 31.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. To achieve a return of Consumer
Price Index (CPI) plus 2.5% p.a. over a rolling three-
year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Low to medium
Consensus Stable Fund - 4CST
Investment objective
2017 4.35
2016 2.98 ●Australian Shares 10.5%
2015 5.54 ●Global Shares 11.0%
2014 7.69 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.60 2013 7.42 ●Alternatives°° 11.3%
5 years (%p.a.) 5.58 ●Fixed Interest 34.8%
10 years (%p.a.) 4.23 ●Cash 32.4%
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.
Asset Allocation at 30 June 20171
Risk: Low to medium
Managed Fund - 4MGD
Investment objective
2017 10.35
2016 1.53 ●Australian Shares 28.8%
2015 9.22 ●Global Shares 28.5%
2014 13.83 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.90 2013 16.32 ●Alternatives°° 17.0%
5 years (%p.a.) 10.13 ●Fixed Interest 8.3%
10 years (%p.a.) 4.60 ●Cash 17.4%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
125
XX
XX
X X
XX
XX
Return to contents
Consensus Managed Fund - 4CMG
Investment objective
2017 10.83
2016 1.75 ●Australian Shares 28.8%
2015 9.27 ●Global Shares 27.4%
2014 14.04 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.60 2013 16.53 ●Alternatives°° 15.6%
5 years (%p.a.) 10.37 ●Fixed Interest 8.3%
10 years (%p.a.) 4.75 ●Cash 19.9%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Australian Equities Fund - 4EQY
Investment objective
2017 16.54
2016 -0.77 ●Australian Shares 97.8%
2015 4.49 ●Global Shares 0.0%
2014 16.50 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.00 2013 23.02 ●Alternatives°° 0.0%
5 years (%p.a.) 11.61 ●Fixed Interest 0.0%
10 years (%p.a.) 3.38 ●Cash 2.2%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
International Equities Fund - 4INT
Investment objective
2017 18.14
2016 -3.00 ●Australian Shares 0.0%
2015 14.90 ●Global Shares 99.1%
2014 18.54 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.00 2013 26.11 ●Alternatives°° 0.0%
5 years (%p.a.) 14.50 ●Fixed Interest 0.0%
10 years (%p.a.) 4.46 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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 benchmark over a rolling seven-
year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
126
XX
XX
X X
XX
XX
SGIC Retirement Plus Account8 (FA3, FB3)
Capital Guaranteed Cash Fund - 9ACA
Investment objective
2017 1.01
2016 1.19 ●Australian Shares 0.0%
2015 1.52 ●Global Shares 0.0%
2014 1.52 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 2.20 ●Alternatives°° 0.0%
5 years (%p.a.) 1.49 ●Fixed Interest 0.0%
10 years (%p.a.) 2.85 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Fund4 - 6ACG
Investment objective
2017 2.73
2016 3.53 ●Australian Shares 3.2%
2015 4.79 ●Global Shares 7.1%
2014 4.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 7.31 ●Alternatives°° 5.6%
5 years (%p.a.) 4.53 ●Fixed Interest 40.1%
10 years (%p.a.) 4.98 ●Cash 44.0%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
Property Fund - 9APF
Investment objective
2017 1.80
2016 10.39 ●Australian Shares 0.0%
2015 11.22 ●Global Shares 0.0%
2014 11.98 ●Listed Property° 100.0%
Investment management fee (% p.a.)2: 1.50 2013 12.75 ●Alternatives°° 0.0%
5 years (%p.a.) 9.55 ●Fixed Interest 0.0%
10 years (%p.a.) 2.44 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
To outperform the option’s benchmark over a rolling
seven-year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
127
XX
XX
X X
XX
XX
Managed Fund - 9AMN
Investment objective
2017 10.79
2016 1.92 ●Australian Shares 28.8%
2015 9.60 ●Global Shares 28.5%
2014 14.27 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 16.77 ●Alternatives°° 17.0%
5 years (%p.a.) 10.55 ●Fixed Interest 8.3%
10 years (%p.a.) 5.00 ●Cash 17.4%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Australian Equities Fund - 9AAE
Investment objective
2017 17.13
2016 -0.29 ●Australian Shares 97.8%
2015 5.00 ●Global Shares 0.0%
2014 17.08 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 23.61 ●Alternatives°° 0.0%
5 years (%p.a.) 12.15 ●Fixed Interest 0.0%
10 years (%p.a.) 3.88 ●Cash 2.2%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
International Equities Fund - 9AIE
Investment objective
2017 18.63
2016 -2.54 ●Australian Shares 0.0%
2015 15.48 ●Global Shares 99.1%
2014 19.17 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 26.60 ●Alternatives°° 0.0%
5 years (%p.a.) 15.04 ●Fixed Interest 0.0%
10 years (%p.a.) 4.96 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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 benchmark over a rolling seven-
year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
128
XX
XX
X X
XX
XX
Capital Protected Fund - December - 9AP1
Investment objective
2017 0.86
2016 0.90 ●Australian Shares 0.0%
2015 1.36 ●Global Shares 0.0%
2014 1.50 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 2.17 ●Alternatives°° 0.0%
5 years (%p.a.) 1.36 ●Fixed Interest 0.0%
10 years (%p.a.) 2.76 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Protected Fund – June A (ex-March) - 9AP2
Investment objective
2017 0.86
2016 0.90 ●Australian Shares 0.0%
2015 1.37 ●Global Shares 0.0%
2014 1.50 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 2.17 ●Alternatives°° 0.0%
5 years (%p.a.) 1.36 ●Fixed Interest 0.0%
10 years (%p.a.) 2.76 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Protected Fund – June - 9AP3
Investment objective
2017 0.89
2016 0.90 ●Australian Shares 0.0%
2015 1.36 ●Global Shares 0.0%
2014 1.50 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 2.17 ●Alternatives°° 0.0%
5 years (%p.a.) 1.37 ●Fixed Interest 0.0%
10 years (%p.a.) 2.76 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
129
XX
XX
X X
XX
XX
Return to contents
Capital Protected Fund - September - 9AP4
Investment objective
2017 0.86
2016 0.90 ●Australian Shares 0.0%
2015 1.36 ●Global Shares 0.0%
2014 1.55 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 2.17 ●Alternatives°° 0.0%
5 years (%p.a.) 1.37 ●Fixed Interest 0.0%
10 years (%p.a.) 2.76 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
130
XX
XX
X X
XX
XX
Umbrella Investment Plan7, Umbrella Financial Plan7, Investment Growth Bond7 (T10, T11, T12, A01, A02, A03, A04, A05)
Capital Guaranteed Cash Fund - 3CSH
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2017 -6.31 0.53
2016 -6.18 0.67 ●Australian Shares 0.0%
2015 -5.98 0.89 ●Global Shares 0.0%
2014 -6.07 0.82 ●Listed Property 0.0%
Investment management fee (% p.a.)2:
Initial units: 8.1
Investment units: 1.3
2013 -5.76 1.09 ●Alternatives 0.0%
5 years (%p.a.) -6.06 0.80 ●Fixed Interest 0.0%
10 years (%p.a.) -5.26 1.65 ●Cash 100.0%Risk: Very low
Asset Allocation at 30 June 20171
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
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2017 -3.02 2.85
2016 -2.68 3.21 ●Australian Shares 2.5%
2015 -2.39 3.53 ●Global Shares 7.5%
2014 -2.39 3.54 ●Listed Property 0.0%
Investment management fee (% p.a.)2:
Initial units: N/A*
Investment units: N/A*
2013 -2.85 3.00 ●Alternatives 10.5%
5 years (%p.a.) -2.67 3.23 ●Fixed Interest 70.7%
10 years (%p.a.) -2.67 3.22 ●Cash 8.8%Risk: Very low
Asset Allocation at 30 June 20171
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
131
XX
XX
X X
XX
XX
Fixed Interest Fund - 3FIX
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2017 -6.97 -0.08
2016 -4.04 3.09 ●Australian Shares 0.0%
2015 -4.89 2.15 ●Global Shares 0.0%
2014 -3.31 3.91 ●Listed Property 0.0%
Investment management fee (% p.a.)2:
Initial units: 8.45
Investment units: 1.55
2013 -5.30 1.70 ●Alternatives 0.0%
5 years (%p.a.) -4.91 2.14 ●Fixed Interest 99.3%
10 years (%p.a.) -4.00 3.12 ●Cash 0.7%Risk: Medium
Asset Allocation at 30 June 20171
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.
Property Fund - 3PRP
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2017 -5.87 1.11
2016 -0.35 7.06 ●Australian Shares 0.0%
2015 0.15 7.58 ●Global Shares 0.0%
2014 0.13 7.59 ●Listed Property 100.0%
Investment management fee (% p.a.)2:
Initial units: 8.65
Investment units: 1.75
2013 2.64 10.22 ●Alternatives 0.0%
5 years (%p.a.) -0.70 6.67 ●Fixed Interest 0.0%
10 years (%p.a.) -5.18 1.85 ●Cash 0.0%Risk: Very high
Asset Allocation at 30 June 20171
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
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2017 -4.32 2.77
2016 -5.28 1.76 ●Australian Shares 9.9%
2015 -3.50 3.66 ●Global Shares 10.4%
2014 -2.29 5.01 ●Listed Property 0.0%
Investment management fee (% p.a.)2:
Initial units: 8.4
Investment units: 1.5
2013 -2.41 4.80 ●Alternatives 10.2%
5 years (%p.a.) -3.57 3.59 ●Fixed Interest 34.0%
10 years (%p.a.) -4.42 2.67 ●Cash 35.5%Risk: Low to medium
Asset Allocation at 30 June 20171
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.
Managed Fund - 3MGD
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2017 -0.12 7.29
2016 -6.12 0.87 ●Australian Shares 28.1%
2015 -0.95 6.38 ●Global Shares 28.7%
2014 1.96 9.56 ●Listed Property 0.0%
Investment management fee (% p.a.)2:
Initial units: 8.55
Investment units: 1.65
2013 3.43 11.08 ●Alternatives 15.1%
5 years (%p.a.) -0.42 6.98 ●Fixed Interest 8.1%
10 years (%p.a.) -3.78 3.35 ●Cash 20.0%Risk: High
Asset Allocation at 30 June 20171
To invest in a diversified portfolio of assets
expected to generate a mix of long-term capital
growth and income, but which may be volatile in
the short-to-medium term. 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 - 3EQY
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2017 3.76 11.45
2016 -7.72 -0.86 ●Australian Shares 99.2%
2015 -3.91 3.21 ●Global Shares 0.0%
2014 4.00 11.75 ●Listed Property 0.0%
Investment management fee (% p.a.)2:
Initial units: 8.6
Investment units: 1.7
2013 7.86 15.82 ●Alternatives 0.0%
5 years (%p.a.) 0.63 8.10 ●Fixed Interest 0.0%
10 years (%p.a.) -4.31 2.78 ●Cash 0.8%Risk: Very high
Asset Allocation at 30 June 20171
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
before fees and taxes.
133
XX
XX
X X
XX
XX
Return to contents
International Equities Fund - 3INT
Investment objective Investment performance – Yearly returns to 30 June (%)
Initial Units Investment Units
2017 6.25 14.13
2016 -9.39 -2.65 ●Australian Shares 0.0%
2015 3.77 11.45 ●Global Shares 99.1%
2014 5.34 13.18 ●Listed Property 0.0%
Investment management fee (% p.a.)2:
Initial units: 8.65
Investment units: 1.75
2013 9.74 17.86 ●Alternatives 0.0%
5 years (%p.a.) 2.92 10.56 ●Fixed Interest 0.0%
10 years (%p.a.) -3.60 3.54 ●Cash 0.9%Risk: Very high
Asset Allocation at 30 June 20171
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
benchmark over a rolling seven-year period
before fees and taxes.
134
XX
XX
X X
XX
XX
Investment Growth Bond7 (A06)
NC - Cash - 3NCS
Investment objective
2017 0.96
2016 1.11 ●Australian Shares 0.0%
2015 1.31 ●Global Shares 0.0%
2014 1.22 ●Listed Property° 0.0%
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%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: Very low
NC - Global Fixed Interest - 3NFI
Investment objective
2017 0.36
2016 3.53 ●Australian Shares 0.0%
2015 2.59 ●Global Shares 0.0%
2014 4.28 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.10 2013 - ●Alternatives°° 0.0%
5 years (%p.a.) - ●Fixed Interest 99.3%
10 years (%p.a.) - ●Cash 0.7%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns by investing in
Australian and global fixed interest securities. To
outperform the option’s composite benchmark over a
rolling three-year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Medium
NC - Global Property - 3NPR
Investment objective
2017 1.36
2016 6.96 ●Australian Shares 0.0%
2015 7.66 ●Global Shares 0.0%
2014 10.41 ●Listed Property° 100.0%
Investment management fee (% p.a.)2: 1.50 2013 - ●Alternatives°° 0.0%
5 years (%p.a.) - ●Fixed Interest 0.0%
10 years (%p.a.) - ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
To outperform the option’s benchmark over a rolling
seven-year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
135
XX
XX
X X
XX
XX
NC - Australian Shares - 3NAU
Investment objective
2017 11.87
2016 -0.37 ●Australian Shares 99.2%
2015 3.59 ●Global Shares 0.0%
2014 12.19 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.30 2013 - ●Alternatives°° 0.0%
5 years (%p.a.) - ●Fixed Interest 0.0%
10 years (%p.a.) - ●Cash 0.8%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
NC - International Shares - 3NIN
Investment objective
2017 14.65
2016 -2.39 ●Australian Shares 0.0%
2015 11.83 ●Global Shares 99.1%
2014 13.66 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 - ●Alternatives°° 0.0%
5 years (%p.a.) - ●Fixed Interest 0.0%
10 years (%p.a.) - ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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 benchmark over a rolling seven-
year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
NC - Conservative - 3NCO
Investment objective
2017 3.08
2016 2.07 ●Australian Shares 9.9%
2015 3.96 ●Global Shares 10.4%
2014 5.24 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.20 2013 - ●Alternatives°° 10.2%
5 years (%p.a.) - ●Fixed Interest 34.0%
10 years (%p.a.) - ●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.
Asset Allocation at 30 June 20171
Risk: Low to medium
136
XX
XX
X X
XX
XX
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NC - Diversified - 3NDI
Investment objective
2017 5.00
2016 1.38 ●Australian Shares 18.3%
2015 5.01 ●Global Shares 18.2%
2014 6.04 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.30 2013 - ●Alternatives°° 11.2%
5 years (%p.a.) - ●Fixed Interest 22.6%
10 years (%p.a.) - ●Cash 29.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income
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
before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Medium to high
NC - Balanced - 3NBA
Investment objective
2017 7.69
2016 1.23 ●Australian Shares 28.1%
2015 6.68 ●Global Shares 28.7%
2014 9.84 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.30 2013 - ●Alternatives°° 15.1%
5 years (%p.a.) - ●Fixed Interest 8.1%
10 years (%p.a.) - ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
NC - Growth - 3NGR
Investment objective
2017 9.21
2016 0.33 ●Australian Shares 32.8%
2015 7.28 ●Global Shares 34.2%
2014 10.67 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.40 2013 - ●Alternatives°° 15.5%
5 years (%p.a.) - ●Fixed Interest 0.0%
10 years (%p.a.) - ●Cash 17.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Risk: High
137
XX
XX
X X
XX
XX
Colonial Investment Bond (SGIC Personal Investment Bond7 AA3, AG3, AH3)
Capital Guaranteed Cash Fund - 8BCA
Investment objective
2017 0.13
2016 0.27 ●Australian Shares 0.0%
2015 0.49 ●Global Shares 0.0%
2014 0.42 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.70 2013 0.89 ●Alternatives°° 0.0%
5 years (%p.a.) 0.44 ●Fixed Interest 0.0%
10 years (%p.a.) 1.42 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Guaranteed Fund7 - 6BON
Investment objective
2017 1.39
2016 2.17 ●Australian Shares 2.8%
2015 2.88 ●Global Shares 7.2%
2014 2.59 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 4.77 ●Alternatives°° 5.3%
5 years (%p.a.) 2.75 ●Fixed Interest 40.7%
10 years (%p.a.) 3.16 ●Cash 44.0%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
138
XX
XX
X X
XX
XX
Property Fund - 8BPF
Investment objective
2017 1.19
2016 7.16 ●Australian Shares 0.0%
2015 7.67 ●Global Shares 0.0%
2014 7.62 ●Listed Property° 100.0%
Investment management fee (% p.a.)2: 1.75 2013 10.10 ●Alternatives°° 0.0%
5 years (%p.a.) 6.71 ●Fixed Interest 0.0%
10 years (%p.a.) 1.77 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
To outperform the option’s benchmark over a rolling
seven-year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
Managed Fund - 8BMN
Investment objective
2017 7.35
2016 0.87 ●Australian Shares 28.1%
2015 6.37 ●Global Shares 28.7%
2014 9.53 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2013 10.86 ●Alternatives°° 15.1%
5 years (%p.a.) 6.94 ●Fixed Interest 8.1%
10 years (%p.a.) 3.23 ●Cash 20.0%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: High
Australian Equities Fund - 8BAE
Investment objective
2017 11.44
2016 -0.80 ●Australian Shares 99.2%
2015 3.25 ●Global Shares 0.0%
2014 11.75 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2013 16.63 ●Alternatives°° 0.0%
5 years (%p.a.) 8.27 ●Fixed Interest 0.0%
10 years (%p.a.) 2.79 ●Cash 0.8%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
139
XX
XX
X X
XX
XX
International Equities Fund - 8BIE
Investment objective
2017 14.44
2016 -2.50 ●Australian Shares 0.0%
2015 11.71 ●Global Shares 99.1%
2014 13.34 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2013 17.62 ●Alternatives°° 0.0%
5 years (%p.a.) 10.69 ●Fixed Interest 0.0%
10 years (%p.a.) 3.50 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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 benchmark over a rolling seven-
year period before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
Capital Protected Fund - December - 8BP1
Investment objective
2017 -0.01
2016 0.02 ●Australian Shares 0.0%
2015 0.34 ●Global Shares 0.0%
2014 0.37 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2013 0.84 ●Alternatives°° 0.0%
5 years (%p.a.) 0.31 ●Fixed Interest 0.0%
10 years (%p.a.) 1.37 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
Capital Protected Fund – June - 8BP3
Investment objective
2017 -0.01
2016 0.02 ●Australian Shares 0.0%
2015 0.33 ●Global Shares 0.0%
2014 0.38 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2013 0.83 ●Alternatives°° 0.0%
5 years (%p.a.) 0.31 ●Fixed Interest 0.0%
10 years (%p.a.) 1.47 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Risk: Very low
140
XX
XX
X X
XX
XX
Return to contents
Capital Protected Fund - September - 8BP4
Investment objective
2017 0.00
2016 0.03 ●Australian Shares 0.0%
2015 0.37 ●Global Shares 0.0%
2014 0.44 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.75 2013 0.85 ●Alternatives°° 0.0%
5 years (%p.a.) 0.34 ●Fixed Interest 0.0%
10 years (%p.a.) 1.33 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
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
Investment objective
2017 4.00
2016 4.02 ●Australian Shares 2.5%
2015 4.00 ●Global Shares 7.5%
2014 4.02 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: N/A* 2013 3.99 ●Alternatives°° 10.5%
5 years (%p.a.) 4.00 ●Fixed Interest 70.7%
10 years (%p.a.) 4.26 ●Cash 8.8%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
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
Investment objective
2017 0.45
2016 1.21 ●Australian Shares 2.8%
2015 1.83 ●Global Shares 7.2%
2014 1.53 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.55 2013 3.72 ●Alternatives°° 5.3%
5 years (%p.a.) 1.74 ●Fixed Interest 40.7%
10 years (%p.a.) 2.21 ●Cash 44.0%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
Ordinary Funeral Bond - 6FNR
Investment objective
2017 0.32
2016 1.08 ●Australian Shares 2.8%
2015 1.63 ●Global Shares 7.2%
2014 1.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 2.75 2013 3.52 ●Alternatives°° 5.3%
5 years (%p.a.) 1.57 ●Fixed Interest 40.7%
10 years (%p.a.) 2.04 ●Cash 44.0%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
Money Plan Ordinary - 6MNY
Investment objective
2017 1.39
2016 2.17 ●Australian Shares 2.8%
2015 2.88 ●Global Shares 7.2%
2014 2.59 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.50 2013 4.77 ●Alternatives°° 5.3%
5 years (%p.a.) 2.75 ●Fixed Interest 40.7%
10 years (%p.a.) 3.16 ●Cash 44.0%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very low
143
XX
XX
X X
XX
XX
Colonial Select Allocated Pension8
Multi-Manager Global Share Fund - EXCMOE
Investment objective
2017 15.69
2016 -5.97 ●Australian Shares 0.0%
2015 25.60 ●Global Shares 95.9%
2014 22.43 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.91 2013 32.07 ●Alternatives°° 0.0%
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%
Investment performance – Yearly returns to 30 June (%)
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
before fees and taxes.
Asset Allocation at 30 June 20171
MFS Global Equity Option - EXAMOE
Investment objective
2017 18.25
2016 -0.87 ●Australian Shares 0.0%
2015 25.76 ●Global Shares 97.8%
2014 19.30 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.95 2013 40.10 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 19.76 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 4.13 ●Cash 2.2%
Investment performance – Yearly returns to 30 June (%)
To provide capital appreciation over the longer term by
investing in a diversified portfolio of global shares
(unhedged) and to outperform the MSCI World Index
over rolling five year periods, before fees and taxes.
Asset Allocation at 30 June 20171
BT Core Global Share Option - EXROOE
Investment objective
2017 16.68
2016 -4.87 ●Australian Shares 0.0%
2015 25.96 ●Global Shares 99.1%
2014 21.07 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.29 2013 33.92 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 17.78 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 4.48 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
144
XX
XX
X X
XX
XX
Colonial First State Wholesale Global Resources Fund - EXFSRE
Investment objective
2017 5.87
2016 -3.42 ●Australian Shares 0.0%
2015 -13.82 ●Global Shares 98.1%
2014 28.39 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2013 -7.72 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 0.87 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) -2.98 ●Cash 1.9%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by predominantly
investing in resource companies from around the world.
The option aims to outperform the Euromoney Global
Mining Accumulation Index (75%) and the MSCI All
Country World Energy Index (25%) over rolling five-
year periods before fees and taxes.
Asset Allocation at 30 June 20171
FC Wsale Pension Stewart Investors Worldwide Leaders Fund - EXFSOE
Investment objective
2017 10.11
2016 9.46 ●Australian Shares 0.0%
2015 20.27 ●Global Shares 89.8%
2014 14.80 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2013 33.55 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 17.32 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 4.40 ●Cash 10.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growththat exceeds the
MSCI All Country World Index over rolling five-year
periods before fees and taxes.
Asset Allocation at 30 June 20171
Colonial First State Wholesale Index Global Share Fund - EXCTOE
Investment objective
2017 15.70
2016 -1.21 ●Australian Shares 0.0%
2015 25.58 ●Global Shares 99.1%
2014 21.93 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.24 2013 32.13 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 18.25 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 4.90 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
To closely track the MSCI World (ex Australia) Index
with the aim of generating returns (before tax and fees
and assuming income is reinvested) comparable to the
world sharemarkets as measured by that benchmark
(unhedged).
Asset Allocation at 30 June 20171
145
XX
XX
X X
XX
XX
FirstChoice Wholesale Asian Share Fund (formerly Schroder Asia Pacific fund) - EXSAOE
Investment objective
2017 26.75
2016 -5.96 ●Australian Shares 0.0%
2015 26.63 ●Global Shares 96.7%
2014 18.10 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.90 2013 20.57 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 16.53 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 6.77 ●Cash 3.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth from a diversified
portfolio of predominantly Asian companies. To
outperform the MSCI All Country Asia (ex Japan) Index
over rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Multi-Manager Australian Share Fund - EXCMDE
Investment objective
2017 22.80
2016 -2.60 ●Australian Shares 97.2%
2015 5.70 ●Global Shares 0.0%
2014 19.31 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.70 2013 25.94 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 13.69 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 5.47 ●Cash 2.8%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and some tax-
effective income from a diversified portfolio of
predominantly Australian companies. To outperform the
S&P/ASX 300 Accumulation Index over rolling three-
year periods before fees and taxes.
Asset Allocation at 30 June 20171
Ausbil Australian Active Equity Option - EXCSDE
Investment objective
2017 19.69
2016 1.33 ●Australian Shares 99.3%
2015 3.92 ●Global Shares 0.0%
2014 23.48 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.49 2013 28.79 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 14.92 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 5.98 ●Cash 0.7%
Investment performance – Yearly returns to 30 June (%)
To provide long-term growth with moderate tax-effective
income. The option aims to outperform the S&P/ASX 300
Accumulation Index over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20171
146
XX
XX
X X
XX
XX
BT Core Australian Share Option - EXRODE
Investment objective
2017 21.29
2016 -0.62 ●Australian Shares 96.7%
2015 7.88 ●Global Shares 0.0%
2014 21.76 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.00 2013 25.86 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 14.79 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 5.44 ●Cash 3.3%
Investment performance – Yearly returns to 30 June (%)
The option aims to provide a return (before fees, costs
and taxes) that exceeds the S&P/ASX 300 Accumulation
Index over rolling three-year periods
Asset Allocation at 30 June 20171
Colonial First State Wholesale Australian Share Fund - Core - EXCPAS
Investment objective
2017 18.07
2016 0.47 ●Australian Shares 99.0%
2015 7.12 ●Global Shares 0.0%
2014 17.89 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.49 2013 26.60 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 13.66 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 6.52 ●Cash 1.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some income by
investing predominantly in a broad selection of Australian
companies. The option aims to outperform the S&P/ASX
200 Accumulation Index over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20171
Colonial First State Wholesale Geared Share Fund - EXFSGS
Investment objective
2017 36.36
2016 -3.46 ●Australian Shares 91.7%
2015 13.39 ●Global Shares 0.0%
2014 37.50 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.03 2013 73.20 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 28.87 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 3.52 ●Cash 8.3%
Investment performance – Yearly returns to 30 June (%)
To magnify long-term returns from capital growth by
borrowing to invest in large Australian companies. The
option aims to outperform the S&P/ASX 100 Accumulation
Index over rolling seven-year periods before fees and
taxes.
Asset Allocation at 30 June 20171
147
XX
XX
X X
XX
XX
Colonial First State Wholesale Imputation Fund - EXFSDE
Investment objective
2017 12.39
2016 0.17 ●Australian Shares 98.1%
2015 6.08 ●Global Shares 0.0%
2014 18.92 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.95 2013 29.01 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 12.88 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 5.14 ●Cash 1.9%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some tax-
effective income by investing in a broad selection of
Australian companies. The option aims to outperform the
S&P/ASX 200 Accumlation Index over rolling three-year
periods before fees and taxes.
Asset Allocation at 30 June 20171
Colonial First State Wholesale Index Australian Share Fund - EXCTDE
Investment objective
2017 19.42
2016 0.55 ●Australian Shares 99.7%
2015 5.13 ●Global Shares 0.0%
2014 19.82 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.23 2013 25.79 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 13.73 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 5.12 ●Cash 0.3%
Investment performance – Yearly returns to 30 June (%)
To closely track the S&P/ASX 200 Accumulation Index
with the aim of generating returns (before tax and fees
and assuming income is reinvested) comparable to the
Australian sharemarket as measured by that benchmark
over rolling one-year periods.
Asset Allocation at 30 June 20171
Colonial First State Wholesale Small Companies Fund - Core - EXCPSC
Investment objective
2017 13.75
2016 14.16 ●Australian Shares 96.7%
2015 14.56 ●Global Shares 0.0%
2014 27.67 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.51 2013 12.92 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 16.49 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 6.00 ●Cash 3.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by investing
predominantly in small Australian companies. The option
aims to outperform the S&P/ASX Small Ordinaries
Accumulation Index over rolling three-year periods
before fees
Asset Allocation at 30 June 20171
148
XX
XX
X X
XX
XX
Maple-Brown Abbott Imputation Option* - EXMBIM
Investment objective
2017 24.81
2016 -8.70 ●Australian Shares 92.6%
2015 6.16 ●Global Shares 0.0%
2014 19.34 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.92 2013 31.29 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 13.64 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 5.99 ●Cash 7.4%
Investment performance – Yearly returns to 30 June (%)
To outperform the S&P/ASX 200 Accumulation Index
before fees and taxes over rolling four-year periods.
Asset Allocation at 30 June 20171
Perpetual Industrial Share Option* - EXPPIS
Investment objective
2017 18.42
2016 -1.61 ●Australian Shares 94.5%
2015 7.61 ●Global Shares 0.0%
2014 20.55 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.92 2013 34.54 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 15.25 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 7.08 ●Cash 5.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and regular income
predominantly through investment in quality Australian
Industrial shares. The option aims to outperform the
S&P/ASX 300 Industrials Accumulation Index over rolling
three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Schroder Australian Equity Option - EXSADE
Investment objective
2017 25.96
2016 -5.90 ●Australian Shares 98.7%
2015 3.10 ●Global Shares 0.0%
2014 18.26 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.64 2013 28.23 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 13.13 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 6.16 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To outperform the S&P/ASX 200 Accumulation Index
over rolling three-year periods before fees and taxes, by
investing in a broad range of companies from Australia
and New Zealand.
Asset Allocation at 30 June 20171
149
XX
XX
X X
XX
XX
Multi-Manager Property Securities Fund - EXCMPS
Investment objective
2017 0.01
2016 23.30 ●Australian Shares 0.0%
2015 17.94 ●Global Shares 0.0%
2014 14.65 ●Listed Property° 96.3%
Investment management fee (% p.a.)2: 0.46 2013 24.21 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 15.68 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) -0.03 ●Cash 3.7%
Investment performance – Yearly returns to 30 June (%)
To provide capital growth and income from a diversified
portfolio of listed property investments.
Asset Allocation at 30 June 20171
BT Property Investment Option - EXROPR
Investment objective
2017 -2.19
2016 22.85 ●Australian Shares 0.0%
2015 17.32 ●Global Shares 0.0%
2014 12.67 ●Listed Property° 97.9%
Investment management fee (% p.a.)2: 0.80 2013 21.35 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 14.02 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 1.57 ●Cash 2.1%
Investment performance – Yearly returns to 30 June (%)
To provide a return (before fees and taxes) that exceeds
the S&P/ASX 300 A-REIT Accumulation Index over
rolling three-year periods.
Asset Allocation at 30 June 20171
Colonial First State Wholesale Property Securities Fund - EXFSPR
Investment objective
2017 -3.13
2016 23.33 ●Australian Shares 0.0%
2015 18.15 ●Global Shares 0.0%
2014 12.70 ●Listed Property° 97.0%
Investment management fee (% p.a.)2: 0.80 2013 23.01 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 14.37 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) -1.85 ●Cash 3.0%
Investment performance – Yearly returns to 30 June (%)
To provide medium-to-long term capital growth and
income to the investor by investing in a portfolio of
Australian listed property securities. The option aims to
outperform the S&P/ASX 200 A-REIT Accumulation
Index over rolling three-year periods before fees and
taxes.
Asset Allocation at 30 June 20171
150
XX
XX
X X
XX
XX
Multi-Manager High Growth Fund* - EXCMHG
Investment objective
2017 18.72
2016 -1.55 ●Australian Shares 38.9%
2015 11.46 ●Global Shares 38.2%
2014 20.83 ●Listed Property° 9.5%
Investment management fee (% p.a.)2: 0.80 2013 24.85 ●Alternatives°° 9.8%
Risk: High 5 years (%p.a.) 14.47 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 4.69 ●Cash 3.6%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by investing in
growth assets. To outperform the option's composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20171
Colonial First State Wholesale High Growth Fund - EXFSHG
Investment objective
2017 13.36
2016 3.81 ●Australian Shares 49.3%
2015 10.91 ●Global Shares 47.2%
2014 19.28 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2013 25.65 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 14.36 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 4.41 ●Cash 3.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth. The option aims to
outperform the composite benchmark over rolling three-
year periods before fees and taxes.
Asset Allocation at 30 June 20171
FirstChoice Wholesale High Growth (formerly Perpetual Split Growth Option) - EXFIGR
Investment objective
2017 18.68
2016 -1.19 ●Australian Shares 38.9%
2015 11.47 ●Global Shares 38.2%
2014 16.78 ●Listed Property° 9.5%
Investment management fee (% p.a.)2: 0.80 2013 31.61 ●Alternatives°° 9.8%
Risk: High 5 years (%p.a.) 14.98 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 4.98 ●Cash 3.6%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by investing in
growth assets. To outperform the option's composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20171
151
XX
XX
X X
XX
XX
Multi-Manager Growth Fund - EXCMGR
Investment objective
2017 13.94
2016 0.53 ●Australian Shares 29.4%
2015 10.65 ●Global Shares 29.1%
2014 16.48 ●Listed Property° 5.4%
Investment management fee (% p.a.)2: 0.68 2013 20.14 ●Alternatives°° 13.2%
Risk: High 5 years (%p.a.) 12.14 ●Fixed Interest 17.1%
Minimum suggested timeframe: 5 years 10 years (%p.a.) 4.72 ●Cash 5.8%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with less fluctuations
of returns than ‘high growth’ investment options. To
outperform the option's composite benchmark over rolling
three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
BT Active Balanced Option - EXRODI
Investment objective
2017 11.91
2016 1.60 ●Australian Shares 37.2%
2015 12.27 ●Global Shares 21.5%
2014 16.27 ●Listed Property° 7.9%
Investment management fee (% p.a.)2: 1.03 2013 19.50 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 12.14 ●Fixed Interest 24.8%
Minimum suggested timeframe: 5 years 10 years (%p.a.) 5.08 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
The option aims to provide a return (before fees, costs
and taxes) that exceeds the option's composite
benchmark over rolling three-year periods.
Asset Allocation at 30 June 20171
Colonial First State Wholesale Diversified Fund - EXFSDI
Investment objective
2017 9.50
2016 2.88 ●Australian Shares 30.1%
2015 9.18 ●Global Shares 28.6%
2014 15.66 ●Listed Property° 5.4%
Investment management fee (% p.a.)2: 0.95 2013 19.12 ●Alternatives°° 5.2%
Risk: High 5 years (%p.a.) 11.12 ●Fixed Interest 25.2%
Minimum suggested timeframe: 5 years 10 years (%p.a.) 4.50 ●Cash 5.5%
Investment performance – Yearly returns to 30 June (%)
To provide long term capital growth. The option aims to
outperform the composite benchmark over rolling three-
year periods before fees and taxes.
Asset Allocation at 30 June 20171
152
XX
XX
X X
XX
XX
Multi-Index Balanced Fund - EXCSGR
Investment objective
2017 13.45
2016 2.01 ●Australian Shares 29.1%
2015 7.92 ●Global Shares 28.7%
2014 16.41 ●Listed Property° 5.9%
Investment management fee (% p.a.)2: 0.57 2013 18.46 ●Alternatives°° 6.0%
Risk: High 5 years (%p.a.) 11.49 ●Fixed Interest 24.8%
Minimum suggested timeframe: 5 years 10 years (%p.a.) 6.27 ●Cash 5.5%
Investment performance – Yearly returns to 30 June (%)
To provide capital growth and income over the long-
term. To outperform the option's composite benchmark
over rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Perpetual Balanced Growth Option - EXPPBA
Investment objective
2017 10.32
2016 -0.05 ●Australian Shares 33.2%
2015 7.26 ●Global Shares 24.5%
2014 13.52 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.97 2013 22.16 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 10.40 ●Fixed Interest 31.0%
Minimum suggested timeframe: 5 years 10 years (%p.a.) 5.08 ●Cash 11.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income through
investment in a diversified portfolio with an emphasis on
Australian and international share investments. The
option aims to outperform its composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Multi-Manager Moderate Fund - EXCMMO
Investment objective
2017 10.71
2016 1.64 ●Australian Shares 21.8%
2015 9.41 ●Global Shares 21.6%
2014 13.73 ●Listed Property° 4.4%
Investment management fee (% p.a.)2: 0.57 2013 16.10 ●Alternatives°° 10.2%
Risk: High 5 years (%p.a.) 10.21 ●Fixed Interest 25.0%
Minimum suggested timeframe: 5 years 10 years (%p.a.) 5.20 ●Cash 17.0%
Investment performance – Yearly returns to 30 June (%)
To provide a balance of income and capital growth over
the medium-to long-term. To outperform the option's
composite benchmark over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20171
153
XX
XX
X X
XX
XX
Colonial First State Wholesale Balanced Fund - EXFSBA
Investment objective
2017 6.52
2016 2.78 ●Australian Shares 20.2%
2015 7.11 ●Global Shares 23.9%
2014 12.77 ●Listed Property° 5.4%
Investment management fee (% p.a.)2: 0.85 2013 12.73 ●Alternatives°° 0.0%
Risk: Medium to high 5 years (%p.a.) 8.31 ●Fixed Interest 35.3%
Minimum suggested timeframe: 5 years 10 years (%p.a.) 4.06 ●Cash 15.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income. The
option aims to outperform the composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Perpetual Diversified Growth Option - EXPPGR
Investment objective
2017 8.30
2016 0.20 ●Australian Shares 25.0%
2015 6.52 ●Global Shares 19.4%
2014 11.16 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.97 2013 17.99 ●Alternatives°° 0.0%
Risk: Medium to high 5 years (%p.a.) 8.68 ●Fixed Interest 43.7%
Minimum suggested timeframe: 5 years 10 years (%p.a.) 5.07 ●Cash 11.9%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and regular income
through investment in a diversified portfolio of growth and
income assets. The option aims to outperform its
composite benchmark over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20171
Multi-Manager Conservative Fund - EXCMCO
Investment objective
2017 5.81
2016 2.82 ●Australian Shares 10.0%
2015 6.33 ●Global Shares 10.0%
2014 8.80 ●Listed Property° 2.4%
Investment management fee (% p.a.)2: 0.55 2013 9.74 ●Alternatives°° 6.3%
Risk: Medium 5 years (%p.a.) 6.67 ●Fixed Interest 30.0%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 5.12 ●Cash 41.3%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns over the medium
term with the potential for some long term capital growth.
To outperform the option’s composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
154
XX
XX
X X
XX
XX
Colonial First State Wholesale Conservative Fund - EXFSCS
Investment objective
2017 4.29
2016 2.71 ●Australian Shares 15.0%
2015 6.32 ●Global Shares 10.2%
2014 8.81 ●Listed Property° 5.4%
Investment management fee (% p.a.)2: 0.75 2013 9.91 ●Alternatives°° 0.0%
Risk: Medium 5 years (%p.a.) 6.37 ●Fixed Interest 40.3%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 4.55 ●Cash 29.1%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital preservation with an income
focus. The option aims to outperform the composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20171
Multi-Index Conservative Fund - EXCSCS
Investment objective
2017 6.44
2016 3.22 ●Australian Shares 12.0%
2015 5.34 ●Global Shares 11.8%
2014 9.20 ●Listed Property° 2.9%
Investment management fee (% p.a.)2: 0.51 2013 9.34 ●Alternatives°° 2.9%
Risk: Medium 5 years (%p.a.) 6.68 ●Fixed Interest 29.8%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 4.81 ●Cash 40.6%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns over the medium
term with the potential for some long-term capital growth.
To outperform the option's composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Perpetual Conservative Growth Option - EXPPCO
Investment objective
2017 5.32
2016 2.45 ●Australian Shares 19.0%
2015 4.33 ●Global Shares 9.7%
2014 7.97 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.95 2013 12.12 ●Alternatives°° 0.0%
Risk: Medium 5 years (%p.a.) 6.39 ●Fixed Interest 51.4%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 4.96 ●Cash 19.9%
Investment performance – Yearly returns to 30 June (%)
To provide moderate growth over the medium-term and
income through investment in a diversified portfolio with
an emphasis on cash and fixed income securities. The
option aims to outperform its composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
155
XX
XX
X X
XX
XX
Multi-Manager Defensive Fund - EXCMLR
Investment objective
2017 3.42
2016 3.66 ●Australian Shares 4.8%
2015 5.34 ●Global Shares 4.7%
2014 6.52 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.45 2013 6.37 ●Alternatives°° 0.0%
Risk: Low to medium 5 years (%p.a.) 5.05 ●Fixed Interest 40.0%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 5.52 ●Cash 50.5%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns with low potential for
capital loss. To outperform the option’s composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20171
Multi-Manager Fixed Interest Fund - EXCMFI
Investment objective
2017 0.97
2016 7.43 ●Australian Shares 0.0%
2015 5.51 ●Global Shares 0.0%
2014 7.06 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.37 2013 4.24 ●Alternatives°° 0.0%
Risk: Medium to high 5 years (%p.a.) 5.02 ●Fixed Interest 100.0%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 6.58 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns with low potential for
capital loss by investing in Australian and global fixed
interest securities. To outperform the composite
benchmark of 50% Citigroup World Broad Investment
Grade Index, hedged to Australian dollars and 50%
Bloomberg AusBond Composite 0+ Yr Index over rolling
three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Aberdeen Australian Fixed Income Option (replaces Deutsche Australian Bond Option) - EXACFI
Investment objective
2017 0.69
2016 6.75 ●Australian Shares 0.0%
2015 5.08 ●Global Shares 0.0%
2014 6.40 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.45 2013 2.04 ●Alternatives°° 0.0%
Risk: Medium 5 years (%p.a.) 4.17 ●Fixed Interest 100.0%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 5.95 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To outperform the Bloomberg AusBond Composite 0+ Yr
Index over rolling three-year periods before fees and
taxes.
Asset Allocation at 30 June 20171
156
XX
XX
X X
XX
XX
Return to contents
Colonial First State Wholesale Institutional Cash Fund - EXCPCA
Investment objective
2017 1.48
2016 1.83 ●Australian Shares 0.0%
2015 2.29 ●Global Shares 0.0%
2014 2.43 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.38 2013 3.05 ●Alternatives°° 0.0%
Risk: Low to medium 5 years (%p.a.) 2.22 ●Fixed Interest 0.0%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 3.63 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To outperform (before tax and fees and assuming
income is reinvested) the returns of Australian money
markets as measured by an index of the Reserve Bank
of Australia Cash Rate.
Asset Allocation at 30 June 20171
157
XX
XX
X X
XX
XX
Colonial Select Allocated Pension - Closed options
Colonial Australian Equities Fund - EPAEQU
Investment objective
2017 18.30
2016 0.70 ●Australian Shares 97.8%
2015 6.09 ●Global Shares 0.0%
2014 18.11 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2013 24.77 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 13.25 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 4.86 ●Cash 2.2%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
Colonial Australian Fixed Interest Fund - EPAFIX
Investment objective
2017 1.52
2016 6.11 ●Australian Shares 0.0%
2015 4.71 ●Global Shares 0.0%
2014 7.49 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2013 4.06 ●Alternatives°° 0.0%
Risk: Medium 5 years (%p.a.) 4.76 ●Fixed Interest 99.4%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 6.55 ●Cash 0.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Colonial Balanced Fund - EDISCR
Investment objective
2017 11.92
2016 2.97 ●Australian Shares 28.8%
2015 10.76 ●Global Shares 28.5%
2014 15.28 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2013 17.80 ●Alternatives°° 17.0%
Risk: High 5 years (%p.a.) 11.63 ●Fixed Interest 8.3%
Minimum suggested timeframe: 6 years 10 years (%p.a.) 5.97 ●Cash 17.4%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
158
XX
XX
X X
XX
XX
Colonial Capital Guaranteed Fund (participating) - ECPGTD
Investment objective
2017 6.49
2016 7.22 ●Australian Shares 2.5%
2015 7.65 ●Global Shares 7.5%
2014 7.43 ●Listed Property° 0.0%
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%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 6.91 ●Cash 8.4%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Colonial Capital Guaranteed Fund (Ex-CMF) (non-participating) - ECOKAU
Investment objective
2017 2.56
2016 4.08 ●Australian Shares 3.2%
2015 4.85 ●Global Shares 7.1%
2014 5.12 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2013 3.89 ●Alternatives°° 5.6%
Risk: Very low 5 years (%p.a.) 4.10 ●Fixed Interest 40.1%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 4.05 ●Cash 44.0%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Colonial Capital Safe Fund - ECAPSF
Investment objective
2017 5.61
2016 4.34 ●Australian Shares 11.0%
2015 6.82 ●Global Shares 10.8%
2014 8.78 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2013 8.45 ●Alternatives°° 12.1%
Risk: Low to medium 5 years (%p.a.) 6.79 ●Fixed Interest 34.4%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 5.48 ●Cash 31.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. To achieve a return of Consumer
Price Index (CPI) plus 2.5% p.a. over a rolling three-
year period before fees and taxes.
Asset Allocation at 30 June 20171
159
XX
XX
X X
XX
XX
Colonial Cash Fund - EPACAS
Investment objective
2017 2.26
2016 2.45 ●Australian Shares 0.0%
2015 2.79 ●Global Shares 0.0%
2014 2.78 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.25 2013 3.48 ●Alternatives°° 0.0%
Risk: Very low 5 years (%p.a.) 2.75 ●Fixed Interest 0.0%
Minimum suggested timeframe: N/A 10 years (%p.a.) 4.10 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Colonial First State Wholesale Australian Share Fund - EXFSAS
Investment objective
2017 9.35
2016 3.01 ●Australian Shares 97.4%
2015 7.64 ●Global Shares 0.0%
2014 20.67 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.95 2013 30.49 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 13.81 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 5.37 ●Cash 2.6%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some income by
investing in a broad selection of Australian companies.
Asset Allocation at 30 June 20171
Colonial First State Wholesale Global Health & Biotechnology Fund - EXFSHB
Investment objective
2017 17.16
2016 -4.03 ●Australian Shares 0.0%
2015 57.51 ●Global Shares 95.1%
2014 34.78 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2013 38.38 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 26.99 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 Years 10 years (%p.a.) 13.11 ●Cash 4.9%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by predominantly
investing in companies around the world, whose primary
business is in the field of pharmaceutical, biotechnology,
medical devices, or medical services.
Asset Allocation at 30 June 20171
160
XX
XX
X X
XX
XX
Return to contents
Colonial First State Wholesale Global Technology & Communications Fund - EXFSTC
Investment objective
2017 0.00
2016 -3.48 ●Australian Shares 0.0%
2015 32.79 ●Global Shares 95.3%
2014 33.68 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.15 2013 36.49 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 18.52 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 Years 10 years (%p.a.) 6.67 ●Cash 4.7%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by predominantly
investing in companies around the world, whose primary
business is in the field of technology and/or
communications.
Asset Allocation at 30 June 20171
Colonial Growth Fund - EGRWTH
Investment objective
2017 14.33
2016 2.29 ●Australian Shares 34.7%
2015 11.37 ●Global Shares 34.4%
2014 16.81 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2013 20.65 ●Alternatives°° 18.4%
Risk: High 5 years (%p.a.) 12.92 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 6.02 ●Cash 12.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Colonial International Equities Fund - EPIEQU
Investment objective
2017 19.95
2016 -1.56 ●Australian Shares 0.0%
2015 16.58 ●Global Shares 99.1%
2014 20.27 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2013 27.92 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 16.19 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 5.95 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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 benchmark over a rolling seven-
year period before fees and taxes.
Asset Allocation at 30 June 20171
161
XX
XX
X X
XX
XX
Colonial Select Personal Superannuation8, CPSL MasterFund Superannuation8 & Colonial Personal Superannuation Portfolio8
Multi-Manager Global Share Fund - SXCMOE
Investment objective
2017 15.24
2016 -5.49 ●Australian Shares 0.0%
2015 23.47 ●Global Shares 95.9%
2014 20.18 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.77 2013 28.05 ●Alternatives°° 0.0%
5 years (%p.a.) 15.66 ●Fixed Interest 0.0%
10 years (%p.a.) 2.95 ●Cash 4.1%
Investment performance – Yearly returns to 30 June (%)
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
before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
MFS Global Equity Option - SXAMOE
Investment objective
2017 17.01
2016 -0.41 ●Australian Shares 0.0%
2015 23.78 ●Global Shares 97.8%
2014 17.40 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.81 2013 34.90 ●Alternatives°° 0.0%
5 years (%p.a.) 17.97 ●Fixed Interest 0.0%
10 years (%p.a.) 4.13 ●Cash 2.2%
Investment performance – Yearly returns to 30 June (%)
To provide capital appreciation over the longer term by
investing in a diversified portfolio of global shares
(unhedged) and to outperform the MSCI World Index
over rolling five year periods, before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
BT Core Global Share Option* - SXROOE
Investment objective
2017 16.36
2016 -3.78 ●Australian Shares 0.0%
2015 24.12 ●Global Shares 99.1%
2014 19.62 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.10 2013 30.59 ●Alternatives°° 0.0%
5 years (%p.a.) 16.77 ●Fixed Interest 0.0%
10 years (%p.a.) 4.28 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Risk: Very high
162
XX
XX
X X
XX
XX
Colonial First State Wholesale Geared Global Share Fund - SXFSGG
Investment objective
2017 24.46
2016 -8.98 ●Australian Shares 0.0%
2015 25.27 ●Global Shares 93.5%
2014 26.80 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.98 2013 43.06 ●Alternatives°° 0.0%
5 years (%p.a.) 20.82 ●Fixed Interest 0.0%
10 years (%p.a.) 4.00 ●Cash 6.5%
Investment performance – Yearly returns to 30 June (%)
To magnify long-term capital growth by borrowing to
invest in a diversified portfolio of global shares. The
option aims to outperform the MSCI All Country World
Index over rolling seven-year periods before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: Very high
Colonial First State Wholesale Global Resources Fund - SXFSRE
Investment objective
2017 5.08
2016 -3.10 ●Australian Shares 0.0%
2015 -12.83 ●Global Shares 98.1%
2014 25.54 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.98 2013 -7.15 ●Alternatives°° 0.0%
5 years (%p.a.) 0.68 ●Fixed Interest 0.0%
10 years (%p.a.) -2.76 ●Cash 1.9%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by predominantly
investing in resource companies from around the world.
The option aims to outperform the Euromoney Global
Mining Accumulation Index (75%) and the MSCI All
Country World Energy Index (25%) over rolling five-
year periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
FC Wsale Pension Stewart Investors Worldwide Leaders Fund - SXFSOE
Investment objective
2017 10.21
2016 9.03 ●Australian Shares 0.0%
2015 19.27 ●Global Shares 89.8%
2014 13.56 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.98 2013 30.26 ●Alternatives°° 0.0%
5 years (%p.a.) 16.22 ●Fixed Interest 0.0%
10 years (%p.a.) 4.35 ●Cash 10.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growththat exceeds the
MSCI All Country World Index over rolling five-year
periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
163
XX
XX
X X
XX
XX
Colonial First State Wholesale Index Global Share Fund - SXCTOE
Investment objective
2017 15.11
2016 -1.01 ●Australian Shares 0.0%
2015 23.66 ●Global Shares 99.1%
2014 20.06 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.20 2013 28.65 ●Alternatives°° 0.0%
5 years (%p.a.) 16.83 ●Fixed Interest 0.0%
10 years (%p.a.) 4.81 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
To closely track the MSCI World (ex Australia) Index
with the aim of generating returns (before tax and fees
and assuming income is reinvested) comparable to the
world sharemarkets as measured by that benchmark
(unhedged).
Asset Allocation at 30 June 20171
Risk: Very high
FirstChoice Wholesale Asian Share Fund (formerly Schroder Asia Pacific fund) - SXSAOE
Investment objective
2017 23.60
2016 -5.63 ●Australian Shares 0.0%
2015 25.06 ●Global Shares 96.7%
2014 16.91 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.83 2013 18.93 ●Alternatives°° 0.0%
5 years (%p.a.) 15.19 ●Fixed Interest 0.0%
10 years (%p.a.) 6.22 ●Cash 3.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth from a diversified
portfolio of predominantly Asian companies. To
outperform the MSCI All Country Asia (ex Japan) Index
over rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
Multi-Manager Australian Share Fund - SXCMDE
Investment objective
2017 20.45
2016 -2.54 ●Australian Shares 97.2%
2015 4.91 ●Global Shares 0.0%
2014 17.31 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2013 23.30 ●Alternatives°° 0.0%
5 years (%p.a.) 12.24 ●Fixed Interest 0.0%
10 years (%p.a.) 4.72 ●Cash 2.8%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and some tax-
effective income from a diversified portfolio of
predominantly Australian companies. To outperform the
S&P/ASX 300 Accumulation Index over rolling three-
year periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
164
XX
XX
X X
XX
XX
Ausbil Australian Active Equity Option - SXCSDE
Investment objective
2017 17.83
2016 1.26 ●Australian Shares 99.3%
2015 3.44 ●Global Shares 0.0%
2014 21.25 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.42 2013 25.33 ●Alternatives°° 0.0%
5 years (%p.a.) 13.40 ●Fixed Interest 0.0%
10 years (%p.a.) 5.41 ●Cash 0.7%
Investment performance – Yearly returns to 30 June (%)
To provide long-term growth with moderate tax-effective
income. The option aims to outperform the S&P/ASX 300
Accumulation Index over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
BT Core Australian Share Option - SXRODE
Investment objective
2017 19.37
2016 -0.62 ●Australian Shares 96.7%
2015 7.32 ●Global Shares 0.0%
2014 20.08 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.85 2013 23.65 ●Alternatives°° 0.0%
5 years (%p.a.) 13.58 ●Fixed Interest 0.0%
10 years (%p.a.) 4.89 ●Cash 3.3%
Investment performance – Yearly returns to 30 June (%)
The option aims to provide a return (before fees, costs
and taxes) that exceeds the S&P/ASX 300 Accumulation
Index over rolling three-year periods
Asset Allocation at 30 June 20171
Risk: Very high
Colonial First State Wholesale Australian Share Fund - Core - SXCPAS
Investment objective
2017 15.83
2016 0.09 ●Australian Shares 99.0%
2015 6.05 ●Global Shares 0.0%
2014 15.73 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.42 2013 23.01 ●Alternatives°° 0.0%
5 years (%p.a.) 11.85 ●Fixed Interest 0.0%
10 years (%p.a.) 5.53 ●Cash 1.0%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some income by
investing predominantly in a broad selection of Australian
companies. The option aims to outperform the S&P/ASX
200 Accumulation Index over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
165
XX
XX
X X
XX
XX
Colonial First State Wholesale Geared Share Fund - SXFSGS
Investment objective
2017 35.02
2016 -3.54 ●Australian Shares 91.7%
2015 12.06 ●Global Shares 0.0%
2014 34.25 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.87 2013 64.85 ●Alternatives°° 0.0%
5 years (%p.a.) 26.43 ●Fixed Interest 0.0%
10 years (%p.a.) 3.41 ●Cash 8.3%
Investment performance – Yearly returns to 30 June (%)
To magnify long-term returns from capital growth by
borrowing to invest in large Australian companies. The
option aims to outperform the S&P/ASX 100 Accumulation
Index over rolling seven-year periods before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: Very high
Colonial First State Wholesale Imputation Fund - SXFSIM
Investment objective
2017 10.99
2016 0.06 ●Australian Shares 98.1%
2015 5.24 ●Global Shares 0.0%
2014 16.54 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.81 2013 24.98 ●Alternatives°° 0.0%
5 years (%p.a.) 11.23 ●Fixed Interest 0.0%
10 years (%p.a.) 4.36 ●Cash 1.9%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some tax-
effective income by investing in a broad selection of
Australian companies. The option aims to outperform the
S&P/ASX 200 Accumlation Index over rolling three-year
periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Very high
Colonial First State Wholesale Index Australian Share Fund - SXCTDE
Investment objective
2017 17.47
2016 0.30 ●Australian Shares 99.7%
2015 4.53 ●Global Shares 0.0%
2014 17.59 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.19 2013 22.71 ●Alternatives°° 0.0%
5 years (%p.a.) 12.19 ●Fixed Interest 0.0%
10 years (%p.a.) 4.32 ●Cash 0.3%
Investment performance – Yearly returns to 30 June (%)
To closely track the S&P/ASX 200 Accumulation Index
with the aim of generating returns (before tax and fees
and assuming income is reinvested) comparable to the
Australian sharemarket as measured by that benchmark
over rolling one-year periods.
Asset Allocation at 30 June 20171
Risk: Very high
166
XX
XX
X X
XX
XX
Colonial First State Wholesale Small Companies Fund - Core - SXCPSC
Investment objective
2017 12.95
2016 12.95 ●Australian Shares 96.7%
2015 13.32 ●Global Shares 0.0%
2014 24.85 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.43 2013 11.77 ●Alternatives°° 0.0%
5 years (%p.a.) 15.07 ●Fixed Interest 0.0%
10 years (%p.a.) 5.41 ●Cash 3.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by investing
predominantly in small Australian companies. The option
aims to outperform the S&P/ASX Small Ordinaries
Accumulation Index over rolling three-year periods
before fees
Asset Allocation at 30 June 20171
Risk: Very high
Maple-Brown Abbott Imputation Option* - SXMBIM
Investment objective
2017 22.58
2016 -8.26 ●Australian Shares 92.6%
2015 5.24 ●Global Shares 0.0%
2014 17.56 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.78 2013 27.59 ●Alternatives°° 0.0%
5 years (%p.a.) 12.16 ●Fixed Interest 0.0%
10 years (%p.a.) 5.15 ●Cash 7.4%
Investment performance – Yearly returns to 30 June (%)
To outperform the S&P/ASX 200 Accumulation Index
before fees and taxes over rolling four-year periods.
Asset Allocation at 30 June 20171
Risk: Very high
Perpetual Industrial Share Option* - SXPPIS
Investment objective
2017 16.89
2016 -1.76 ●Australian Shares 94.5%
2015 6.83 ●Global Shares 0.0%
2014 18.87 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.78 2013 30.74 ●Alternatives°° 0.0%
5 years (%p.a.) 13.78 ●Fixed Interest 0.0%
10 years (%p.a.) 6.18 ●Cash 5.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and regular income
predominantly through investment in quality Australian
Industrial shares. The option aims to outperform the
S&P/ASX 300 Industrials Accumulation Index over rolling
three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: High
167
XX
XX
X X
XX
XX
Schroder Australian Equity Option - SXSADE
Investment objective
2017 23.39
2016 -5.70 ●Australian Shares 98.7%
2015 2.60 ●Global Shares 0.0%
2014 16.66 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.54 2013 26.03 ●Alternatives°° 0.0%
5 years (%p.a.) 11.91 ●Fixed Interest 0.0%
10 years (%p.a.) 5.36 ●Cash 1.3%
Investment performance – Yearly returns to 30 June (%)
To outperform the S&P/ASX 200 Accumulation Index
over rolling three-year periods before fees and taxes, by
investing in a broad range of companies from Australia
and New Zealand.
Asset Allocation at 30 June 20171
Risk: Very high
Multi-Manager Property Securities Fund - SXCMPS
Investment objective
2017 -0.12
2016 20.71 ●Australian Shares 0.0%
2015 15.15 ●Global Shares 0.0%
2014 13.89 ●Listed Property° 96.3%
Investment management fee (% p.a.)2: 0.39 2013 23.53 ●Alternatives°° 0.0%
5 years (%p.a.) 14.33 ●Fixed Interest 0.0%
10 years (%p.a.) -0.35 ●Cash 3.7%
Investment performance – Yearly returns to 30 June (%)
To provide capital growth and income from a diversified
portfolio of listed property investments.
Asset Allocation at 30 June 20171
Risk: Very high
BT Property Investment Option - SXROPR
Investment objective
2017 -2.10
2016 20.84 ●Australian Shares 0.0%
2015 15.12 ●Global Shares 0.0%
2014 10.91 ●Listed Property° 97.9%
Investment management fee (% p.a.)2: 0.68 2013 18.20 ●Alternatives°° 0.0%
5 years (%p.a.) 12.29 ●Fixed Interest 0.0%
10 years (%p.a.) 1.20 ●Cash 2.1%
Investment performance – Yearly returns to 30 June (%)
To provide a return (before fees and taxes) that exceeds
the S&P/ASX 300 A-REIT Accumulation Index over
rolling three-year periods.
Asset Allocation at 30 June 20171
Risk: Very high
168
XX
XX
X X
XX
XX
Colonial First State Wholesale Property Securities Fund - SXFSPR
Investment objective
2017 -2.69
2016 21.01 ●Australian Shares 0.0%
2015 15.05 ●Global Shares 0.0%
2014 10.78 ●Listed Property° 97.0%
Investment management fee (% p.a.)2: 0.68 2013 21.96 ●Alternatives°° 0.0%
5 years (%p.a.) 12.85 ●Fixed Interest 0.0%
10 years (%p.a.) -1.83 ●Cash 3.0%
Investment performance – Yearly returns to 30 June (%)
To provide medium-to-long term capital growth and
income to the investor by investing in a portfolio of
Australian listed property securities. The option aims to
outperform the S&P/ASX 200 A-REIT Accumulation
Index over rolling three-year periods before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: Very high
Multi-Manager High Growth Fund* - SXCMHG
Investment objective
2017 17.30
2016 -1.21 ●Australian Shares 38.9%
2015 10.54 ●Global Shares 38.2%
2014 18.87 ●Listed Property° 9.5%
Investment management fee (% p.a.)2: 0.68 2013 22.14 ●Alternatives°° 9.8%
5 years (%p.a.) 13.21 ●Fixed Interest 0.0%
10 years (%p.a.) 4.15 ●Cash 3.6%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by investing in
growth assets. To outperform the option's composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20171
Risk: High
Colonial First State Wholesale High Growth Fund - SXFSHG
Investment objective
2017 12.55
2016 3.60 ●Australian Shares 49.3%
2015 9.96 ●Global Shares 47.2%
2014 17.38 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.98 2013 22.75 ●Alternatives°° 0.0%
5 years (%p.a.) 13.06 ●Fixed Interest 0.0%
10 years (%p.a.) 4.17 ●Cash 3.5%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth. The option aims to
outperform the composite benchmark over rolling three-
year periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: High
169
XX
XX
X X
XX
XX
FirstChoice Wholesale High Growth (formerly Perpetual Split Growth Option) - SXFIGR
Investment objective
2017 16.88
2016 -1.17 ●Australian Shares 38.9%
2015 10.11 ●Global Shares 38.2%
2014 15.12 ●Listed Property° 9.5%
Investment management fee (% p.a.)2: 0.95 2013 27.94 ●Alternatives°° 9.8%
5 years (%p.a.) 13.38 ●Fixed Interest 0.0%
10 years (%p.a.) 4.41 ●Cash 3.6%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by investing in
growth assets. To outperform the option's composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20171
Risk: High
Multi-Manager Growth Fund - SXCMGR
Investment objective
2017 12.62
2016 0.45 ●Australian Shares 29.4%
2015 9.66 ●Global Shares 29.1%
2014 14.77 ●Listed Property° 5.4%
Investment management fee (% p.a.)2: 0.58 2013 17.91 ●Alternatives°° 13.2%
5 years (%p.a.) 10.92 ●Fixed Interest 17.1%
10 years (%p.a.) 4.16 ●Cash 5.8%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with less fluctuations
of returns than ‘high growth’ investment options. To
outperform the option's composite benchmark over rolling
three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: High
BT Active Balanced Option - SXRODI
Investment objective
2017 10.99
2016 1.57 ●Australian Shares 37.2%
2015 11.26 ●Global Shares 21.5%
2014 14.89 ●Listed Property° 7.9%
Investment management fee (% p.a.)2: 0.88 2013 17.58 ●Alternatives°° 0.0%
5 years (%p.a.) 11.12 ●Fixed Interest 24.8%
10 years (%p.a.) 4.61 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
The option aims to provide a return (before fees, costs
and taxes) that exceeds the option's composite
benchmark over rolling three-year periods.
Asset Allocation at 30 June 20171
Risk: High
170
XX
XX
X X
XX
XX
Colonial First State Wholesale Diversified Fund - SXFSDI
Investment objective
2017 8.74
2016 2.61 ●Australian Shares 30.1%
2015 8.33 ●Global Shares 28.6%
2014 14.11 ●Listed Property° 5.4%
Investment management fee (% p.a.)2: 0.81 2013 17.04 ●Alternatives°° 5.2%
5 years (%p.a.) 10.05 ●Fixed Interest 25.2%
10 years (%p.a.) 4.02 ●Cash 5.5%
Investment performance – Yearly returns to 30 June (%)
To provide long term capital growth. The option aims to
outperform the composite benchmark over rolling three-
year periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: High
Multi-Index Balanced Fund - SXCSGR
Investment objective
2017 12.30
2016 1.81 ●Australian Shares 29.1%
2015 7.15 ●Global Shares 28.7%
2014 14.96 ●Listed Property° 5.9%
Investment management fee (% p.a.)2: 0.49 2013 16.57 ●Alternatives°° 6.0%
5 years (%p.a.) 10.42 ●Fixed Interest 24.8%
10 years (%p.a.) 5.56 ●Cash 5.5%
Investment performance – Yearly returns to 30 June (%)
To provide capital growth and income over the long-
term. To outperform the option's composite benchmark
over rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: High
Perpetual Balanced Growth Option - SXPPBA
Investment objective
2017 9.36
2016 -0.11 ●Australian Shares 33.2%
2015 6.57 ●Global Shares 24.5%
2014 12.07 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.82 2013 19.51 ●Alternatives°° 0.0%
5 years (%p.a.) 9.29 ●Fixed Interest 31.0%
10 years (%p.a.) 4.46 ●Cash 11.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income through
investment in a diversified portfolio with an emphasis on
Australian and international share investments. The
option aims to outperform its composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: High
171
XX
XX
X X
XX
XX
Multi-Manager Moderate Fund - SXCMMO
Investment objective
2017 9.73
2016 1.42 ●Australian Shares 21.8%
2015 8.41 ●Global Shares 21.6%
2014 12.33 ●Listed Property° 4.4%
Investment management fee (% p.a.)2: 0.49 2013 14.30 ●Alternatives°° 10.2%
5 years (%p.a.) 9.15 ●Fixed Interest 25.0%
10 years (%p.a.) 4.57 ●Cash 17.0%
Investment performance – Yearly returns to 30 June (%)
To provide a balance of income and capital growth over
the medium-to long-term. To outperform the option's
composite benchmark over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20171
Risk: High
Colonial First State Wholesale Balanced Fund - SXFSBA
Investment objective
2017 5.94
2016 2.37 ●Australian Shares 20.2%
2015 6.36 ●Global Shares 23.9%
2014 10.97 ●Listed Property° 5.4%
Investment management fee (% p.a.)2: 0.72 2013 11.15 ●Alternatives°° 0.0%
5 years (%p.a.) 7.31 ●Fixed Interest 35.3%
10 years (%p.a.) 3.44 ●Cash 15.2%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income. The
option aims to outperform the composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Medium to high
Perpetual Diversified Growth Option - SXPPGR
Investment objective
2017 7.60
2016 0.09 ●Australian Shares 25.0%
2015 5.85 ●Global Shares 19.4%
2014 10.01 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.82 2013 15.64 ●Alternatives°° 0.0%
5 years (%p.a.) 7.72 ●Fixed Interest 43.7%
10 years (%p.a.) 4.46 ●Cash 11.9%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and regular income
through investment in a diversified portfolio of growth and
income assets. The option aims to outperform its
composite benchmark over rolling three-year periods
before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Medium to high
172
XX
XX
X X
XX
XX
Multi-Manager Conservative Fund - SXCMCO
Investment objective
2017 5.18
2016 2.47 ●Australian Shares 10.0%
2015 5.68 ●Global Shares 10.0%
2014 7.82 ●Listed Property° 2.4%
Investment management fee (% p.a.)2: 0.47 2013 8.54 ●Alternatives°° 6.3%
5 years (%p.a.) 5.92 ●Fixed Interest 30.0%
10 years (%p.a.) 4.46 ●Cash 41.3%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns over the medium
term with the potential for some long term capital growth.
To outperform the option’s composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Medium
Colonial First State Wholesale Conservative Fund - SXFSCS
Investment objective
2017 3.77
2016 2.35 ●Australian Shares 15.0%
2015 5.59 ●Global Shares 10.2%
2014 7.69 ●Listed Property° 5.4%
Investment management fee (% p.a.)2: 0.64 2013 8.95 ●Alternatives°° 0.0%
5 years (%p.a.) 5.64 ●Fixed Interest 40.3%
10 years (%p.a.) 3.90 ●Cash 29.1%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital preservation with an income
focus. The option aims to outperform the composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20171
Risk: Medium
Multi-Index Conservative Fund - SXCSCS
Investment objective
2017 5.70
2016 2.76 ●Australian Shares 12.0%
2015 4.50 ●Global Shares 11.8%
2014 8.20 ●Listed Property° 2.9%
Investment management fee (% p.a.)2: 0.43 2013 8.17 ●Alternatives°° 2.9%
5 years (%p.a.) 5.85 ●Fixed Interest 29.8%
10 years (%p.a.) 4.10 ●Cash 40.6%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns over the medium
term with the potential for some long-term capital growth.
To outperform the option's composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Medium
173
XX
XX
X X
XX
XX
Perpetual Conservative Growth Option - SXPPCO
Investment objective
2017 4.75
2016 2.11 ●Australian Shares 19.0%
2015 3.84 ●Global Shares 9.7%
2014 7.01 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.81 2013 10.63 ●Alternatives°° 0.0%
5 years (%p.a.) 5.63 ●Fixed Interest 51.4%
10 years (%p.a.) 4.31 ●Cash 19.9%
Investment performance – Yearly returns to 30 June (%)
To provide moderate growth over the medium-term and
income through investment in a diversified portfolio with
an emphasis on cash and fixed income securities. The
option aims to outperform its composite benchmark over
rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Medium
Multi-Manager Fixed Interest Fund - SXCMFI
Investment objective
2017 0.67
2016 6.50 ●Australian Shares 0.0%
2015 4.69 ●Global Shares 0.0%
2014 6.23 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.32 2013 3.69 ●Alternatives°° 0.0%
5 years (%p.a.) 4.33 ●Fixed Interest 100.0%
10 years (%p.a.) 5.71 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns with low potential for
capital loss by investing in Australian and global fixed
interest securities. To outperform the composite
benchmark of 50% Citigroup World Broad Investment
Grade Index, hedged to Australian dollars and 50%
Bloomberg AusBond Composite 0+ Yr Index over rolling
three-year periods before fees and taxes.
Asset Allocation at 30 June 20171
Risk: Medium to high
Aberdeen Australian Fixed Income Option (replaces Deutsche Australian Bond Option) - SXACFI
Investment objective
2017 0.55
2016 5.77 ●Australian Shares 0.0%
2015 4.43 ●Global Shares 0.0%
2014 5.62 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.38 2013 1.56 ●Alternatives°° 0.0%
5 years (%p.a.) 3.56 ●Fixed Interest 100.0%
10 years (%p.a.) 5.14 ●Cash 0.0%
Investment performance – Yearly returns to 30 June (%)
To outperform the Bloomberg AusBond Composite 0+ Yr
Index over rolling three-year periods before fees and
taxes.
Asset Allocation at 30 June 20171
Risk: Medium
174
XX
XX
X X
XX
XX
Return to contents
Multi-Manager Defensive Fund - SXCMLR
Investment objective
2017 2.87
2016 3.19 ●Australian Shares 4.8%
2015 4.62 ●Global Shares 4.7%
2014 5.96 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.38 2013 5.48 ●Alternatives°° 0.0%
5 years (%p.a.) 4.42 ●Fixed Interest 40.0%
10 years (%p.a.) 4.74 ●Cash 50.5%
Investment performance – Yearly returns to 30 June (%)
To provide relatively stable returns with low potential for
capital loss. To outperform the option’s composite
benchmark over rolling three-year periods before fees
and taxes.
Asset Allocation at 30 June 20171
Risk: Low to medium
Colonial First State Wholesale Institutional Cash Fund - SXCPCA
Investment objective
2017 1.22
2016 1.55 ●Australian Shares 0.0%
2015 1.92 ●Global Shares 0.0%
2014 2.06 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.32 2013 2.55 ●Alternatives°° 0.0%
5 years (%p.a.) 1.86 ●Fixed Interest 0.0%
10 years (%p.a.) 3.07 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To outperform (before tax and fees and assuming
income is reinvested) the returns of Australian money
markets as measured by an index of the Reserve Bank
of Australia Cash Rate.
Asset Allocation at 30 June 20171
Risk: Low to medium
175
XX
XX
X X
XX
XX
Colonial Select Personal Superannuation - Closed options
Colonial Australian Equities Fund - SPAEQU
Investment objective
2017 16.06
2016 0.41 ●Australian Shares 99.8%
2015 5.17 ●Global Shares 0.0%
2014 16.48 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2013 -4.13 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 11.71 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 4.60 ●Cash 0.2%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
Colonial Australian Fixed Interest Fund - SPAFIX
Investment objective
2017 1.23
2016 5.25 ●Australian Shares 0.0%
2015 3.96 ●Global Shares 0.0%
2014 6.17 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2013 8.24 ●Alternatives°° 0.0%
Risk: Medium 5 years (%p.a.) 3.97 ●Fixed Interest 99.1%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 5.43 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Colonial Balanced Fund - SDISCR
Investment objective
2017 10.59
2016 2.51 ●Australian Shares 28.7%
2015 9.26 ●Global Shares 28.8%
2014 13.37 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2013 2.21 ●Alternatives°° 17.0%
Risk: High 5 years (%p.a.) 10.14 ●Fixed Interest 8.3%
Minimum suggested timeframe: 6 years 10 years (%p.a.) 5.34 ●Cash 17.2%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
176
XX
XX
X X
XX
XX
Colonial Capital Guaranteed Fund (participating) - SCPGTD
Investment objective
2017 4.98
2016 5.62 ●Australian Shares 2.7%
2015 5.98 ●Global Shares 7.3%
2014 5.98 ●Listed Property° 0.0%
Investment management fee (% p.a.)6: N/A 2013 5.73 ●Alternatives°° 10.8%
Risk: Very low 5 years (%p.a.) 5.51 ●Fixed Interest 70.6%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 6.17 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Colonial Capital Guaranteed Fund (Ex-CMF) (non-participating) - SCOKAT
Investment objective
2017 2.79
2016 4.36 ●Australian Shares 2.9%
2015 5.41 ●Global Shares 7.0%
2014 5.54 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2013 3.69 ●Alternatives°° 5.4%
Risk: Very low 5 years (%p.a.) 4.57 ●Fixed Interest 40.2%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 4.29 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Colonial Capital Guaranteed Fund (Ex-MasterPac) (non-participating) - SCOLFG
Investment objective
2017 2.29
2016 3.85 ●Australian Shares 2.9%
2015 4.91 ●Global Shares 7.0%
2014 5.04 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2013 3.19 ●Alternatives°° 5.4%
Risk: Very low 5 years (%p.a.) 4.07 ●Fixed Interest 40.2%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 3.79 ●Cash 44.5%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
177
XX
XX
X X
XX
XX
Colonial Capital Safe Fund - SCAPSF
Investment objective
2017 4.73
2016 3.44 ●Australian Shares 10.5%
2015 5.77 ●Global Shares 11.0%
2014 7.52 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2013 4.89 ●Alternatives°° 11.9%
Risk: Low to medium 5 years (%p.a.) 5.74 ●Fixed Interest 35.1%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 4.50 ●Cash 31.5%
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.
Asset Allocation at 30 June 20171
Colonial Cash Fund - SPACAS
Investment objective
2017 1.97
2016 2.16 ●Australian Shares 0.0%
2015 2.41 ●Global Shares 0.0%
2014 2.33 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.25 2013 3.95 ●Alternatives°° 0.0%
Risk: Very low 5 years (%p.a.) 2.36 ●Fixed Interest 0.0%
Minimum suggested timeframe: N/A 10 years (%p.a.) 3.49 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
Colonial Consensus Managed Fund - SXCCNM
Investment objective
2017 10.71
2016 2.62 ●Australian Shares 27.7%
2015 9.34 ●Global Shares 28.7%
2014 13.64 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.40 2013 2.33 ●Alternatives°° 15.7%
Risk: High 5 years (%p.a.) 10.32 ●Fixed Interest 8.0%
Minimum suggested timeframe: 6 years 10 years (%p.a.) 5.32 ●Cash 19.9%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
178
XX
XX
X X
XX
XX
Colonial Consensus Stable Fund - SXCCMS
Investment objective
2017 4.88
2016 3.54 ●Australian Shares 10.3%
2015 5.89 ●Global Shares 10.7%
2014 7.73 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.40 2013 4.91 ●Alternatives°° 10.6%
Risk: Low to medium 5 years (%p.a.) 5.93 ●Fixed Interest 34.5%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 4.70 ●Cash 33.9%
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.
Asset Allocation at 30 June 20171
Colonial First State Wholesale Australian Share Fund - SXFSDE
Investment objective
2017 8.22
2016 2.69 ●Australian Shares 97.4%
2015 6.44 ●Global Shares 0.0%
2014 18.08 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.81 2013 -6.52 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 12.07 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 4.57 ●Cash 2.6%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some income by
investing in a broad selection of Australian companies.
Asset Allocation at 30 June 20171
Colonial First State Wholesale Global Health & Biotechnology Fund - SXFSHB
Investment objective
2017 16.66
2016 -4.14 ●Australian Shares 0.0%
2015 55.03 ●Global Shares 95.1%
2014 32.89 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.98 2013 11.12 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 25.53 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 12.40 ●Cash 4.9%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by predominantly
investing in companies around the world, whose primary
business is in the field of pharmaceutical, biotechnology,
medical devices, or medical services.
Asset Allocation at 30 June 20171
179
XX
XX
X X
XX
XX
Colonial First State Wholesale Global Technology & Communications Fund - SXFSTC
Investment objective
2017 26.99
2016 4.30 ●Australian Shares 0.0%
2015 30.58 ●Global Shares 95.3%
2014 31.70 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.98 2013 3.83 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 24.89 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 9.70 ●Cash 4.7%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth by predominantly
investing in companies around the world, whose primary
business is in the field of technology and/or
communications.
Asset Allocation at 30 June 20171
Colonial Growth Fund - SGRWTH
Investment objective
2017 12.75
2016 1.87 ●Australian Shares 34.4%
2015 9.96 ●Global Shares 34.7%
2014 14.76 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.63 2013 1.16 ●Alternatives°° 17.5%
Risk: High 5 years (%p.a.) 11.35 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 5.49 ●Cash 13.4%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Colonial International Equities Fund - SPIEQU
Investment objective
2017 17.98
2016 -1.49 ●Australian Shares 0.0%
2015 14.48 ●Global Shares 99.6%
2014 18.60 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2013 -1.04 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 14.83 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 5.23 ●Cash 0.4%
Investment performance – Yearly returns to 30 June (%)
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 benchmark over a rolling seven-
year period before fees and taxes.
Asset Allocation at 30 June 20171
180
XX
XX
X X
XX
XX
Return to contents
Colonial Property Fund - SXCPRO
Investment objective
2017 2.72
2016 10.11 ●Australian Shares 0.0%
2015 11.34 ●Global Shares 0.0%
2014 11.25 ●Listed Property° 99.9%
Investment management fee (% p.a.)2: 0.60 2013 6.41 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 9.41 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 2.95 ●Cash 0.1%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth and income from a
diversified portfolio of global listed property investments.
To outperform the option’s benchmark over a rolling
seven-year period before fees and taxes.
Asset Allocation at 30 June 20171
181
XX
XX
X X
XX
XX
Colonial Flexible Income Retirement Plan8
BT Active Balanced Option - EXRODI
Investment objective
2017 11.91
2016 1.60 ●Australian Shares 37.2%
2015 12.27 ●Global Shares 21.5%
2014 16.27 ●Listed Property° 7.9%
Investment management fee (% p.a.)2: 1.03 2013 19.50 ●Alternatives°° 0.0%
Risk: High 5 years (%p.a.) 12.14 ●Fixed Interest 24.8%
Minimum suggested timeframe: 5 years 10 years (%p.a.) 5.08 ●Cash 8.6%
Investment performance – Yearly returns to 30 June (%)
The option aims to provide a return (before fees, costs
and taxes) that exceeds the option's composite
benchmark over rolling three-year periods.
Asset Allocation at 30 June 20171
BT Core Australian Share Option - EXRODE
Investment objective
2017 21.29
2016 -0.62 ●Australian Shares 96.7%
2015 7.88 ●Global Shares 0.0%
2014 21.76 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 1.00 2013 25.86 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 14.79 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 5.44 ●Cash 3.3%
Investment performance – Yearly returns to 30 June (%)
The option aims to provide a return (before fees, costs
and taxes) that exceeds the S&P/ASX 300 Accumulation
Index over rolling three-year periods
Asset Allocation at 30 June 20171
BT Property Investment Option - EXROPR
Investment objective
2017 -2.19
2016 22.85 ●Australian Shares 0.0%
2015 17.32 ●Global Shares 0.0%
2014 12.67 ●Listed Property° 97.9%
Investment management fee (% p.a.)2: 0.80 2013 21.35 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 14.02 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 1.57 ●Cash 2.1%
Investment performance – Yearly returns to 30 June (%)
To provide a return (before fees and taxes) that exceeds
the S&P/ASX 300 A-REIT Accumulation Index over
rolling three-year periods.
Asset Allocation at 30 June 20171
182
XX
XX
X X
XX
XX
Colonial Australian Equities Fund - EPAEQU
Investment objective
2017 18.30
2016 0.70 ●Australian Shares 97.8%
2015 6.09 ●Global Shares 0.0%
2014 18.11 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2013 24.77 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 13.25 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 4.86 ●Cash 2.2%
Investment performance – Yearly returns to 30 June (%)
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 before fees and taxes.
Asset Allocation at 30 June 20171
Colonial Australian Fixed Interest Fund - EPAFIX
Investment objective
2017 1.52
2016 6.11 ●Australian Shares 0.0%
2015 4.71 ●Global Shares 0.0%
2014 7.49 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.50 2013 4.06 ●Alternatives°° 0.0%
Risk: Medium 5 years (%p.a.) 4.76 ●Fixed Interest 99.4%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 6.55 ●Cash 0.6%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Colonial Balanced Fund - EDISCR
Investment objective
2017 11.92
2016 2.97 ●Australian Shares 28.8%
2015 10.76 ●Global Shares 28.5%
2014 15.28 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2013 17.80 ●Alternatives°° 17.0%
Risk: High 5 years (%p.a.) 11.63 ●Fixed Interest 8.3%
Minimum suggested timeframe: 6 years 10 years (%p.a.) 5.97 ●Cash 17.4%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of long-term capital growth and income,
but which may be volatile in the short-to-medium term. To
achieve a return of Consumer Price Index (CPI) plus
3.5% p.a. over a rolling six-year period before fees and
taxes.
Asset Allocation at 30 June 20171
183
XX
XX
X X
XX
XX
Colonial Capital Guaranteed Fund (participating) - ECPGTD
Investment objective
2017 6.49
2016 7.22 ●Australian Shares 2.5%
2015 7.65 ●Global Shares 7.5%
2014 7.43 ●Listed Property° 0.0%
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%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 6.91 ●Cash 8.4%
Investment performance – Yearly returns to 30 June (%)
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
Asset Allocation at 30 June 20171
Colonial Capital Safe Fund - ECAPSF
Investment objective
2017 5.61
2016 4.34 ●Australian Shares 11.0%
2015 6.82 ●Global Shares 10.8%
2014 8.78 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2013 8.45 ●Alternatives°° 12.1%
Risk: Low to medium 5 years (%p.a.) 6.79 ●Fixed Interest 34.4%
Minimum suggested timeframe: 3 years 10 years (%p.a.) 5.48 ●Cash 31.7%
Investment performance – Yearly returns to 30 June (%)
To invest in a diversified portfolio of assets expected to
generate a mix of income and long-term captial growth
with an emphasis on stable returns and a reasonably
high level of security. To achieve a return of Consumer
Price Index (CPI) plus 2.5% p.a. over a rolling three-
year period before fees and taxes.
Asset Allocation at 30 June 20171
Colonial Cash Fund - EPACAS
Investment objective
2017 2.26
2016 2.45 ●Australian Shares 0.0%
2015 2.79 ●Global Shares 0.0%
2014 2.78 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.25 2013 3.48 ●Alternatives°° 0.0%
Risk: Very low 5 years (%p.a.) 2.75 ●Fixed Interest 0.0%
Minimum suggested timeframe: N/A 10 years (%p.a.) 4.10 ●Cash 100.0%
Investment performance – Yearly returns to 30 June (%)
To provide the highest level of security with income from
investments in money market securities. 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.
Asset Allocation at 30 June 20171
184
XX
XX
X X
XX
XX
Colonial First State Wholesale Imputation Fund - EXFSDE
Investment objective
2017 12.39
2016 0.17 ●Australian Shares 98.1%
2015 6.08 ●Global Shares 0.0%
2014 18.92 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.951 2013 29.01 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 12.88 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 5.14 ●Cash 1.9%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth with some tax-
effective income by investing in a broad selection of
Australian companies. The option aims to outperform the
S&P/ASX 200 Accumlation Index over rolling three-year
periods before fees and taxes.
Asset Allocation at 30 June 20171
Colonial Growth Fund - EGRWTH
Investment objective
2017 14.33
2016 2.29 ●Australian Shares 34.7%
2015 11.37 ●Global Shares 34.4%
2014 16.81 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.625 2013 20.65 ●Alternatives°° 18.4%
Risk: High 5 years (%p.a.) 12.92 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 6.02 ●Cash 12.5%
Investment performance – Yearly returns to 30 June (%)
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.
Asset Allocation at 30 June 20171
Colonial International Equities Fund - EPIEQU
Investment objective
2017 19.95
2016 -1.56 ●Australian Shares 0.0%
2015 16.58 ●Global Shares 99.1%
2014 20.27 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.60 2013 27.92 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 16.19 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 5.95 ●Cash 0.9%
Investment performance – Yearly returns to 30 June (%)
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 benchmark over a rolling seven-
year period before fees and taxes.
Asset Allocation at 30 June 20171
185
XX
XX
X X
XX
XX
Return to contents
FirstChoice Wholesale Asian Share Fund (formerly Schroder Asia Pacific fund) - EXSAOE
Investment objective
2017 26.75
2016 -5.96 ●Australian Shares 0.0%
2015 26.63 ●Global Shares 96.7%
2014 18.10 ●Listed Property° 0.0%
Investment management fee (% p.a.)2: 0.90 2013 20.57 ●Alternatives°° 0.0%
Risk: Very high 5 years (%p.a.) 16.53 ●Fixed Interest 0.0%
Minimum suggested timeframe: 7 years 10 years (%p.a.) 6.77 ●Cash 3.3%
Investment performance – Yearly returns to 30 June (%)
To provide long-term capital growth from a diversified
portfolio of predominantly Asian companies. To
outperform the MSCI All Country Asia (ex Japan) Index
over rolling three-year periods before fees and taxes.
Asset Allocation at 30 June 20171