Investment performance and other important information€¦ · Umbrella Investment Plan, Umbrella...

For the year ending 30 June 2018

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

Summary of investment options impacted in each product 3-19

Changes to investment managers and investment option summaries 20-21

Changes to investment option names 23

Other changes to investment options 23

Changes to Capital Guaranteed Asset Allocations 29-31

Changes to Whole of Life, Endowment and Pure Endowment (i.e. Traditional) participating (i.e. with

bonus) products asset allocations

32

Annual Performance information - Contents 34

2

Investment Update

The Colonial Super Retirement Fund investment portfolio and products issued by The Colonial Mutual Life Assurance Society Limited (“CMLA”) include investment options managed by CMLA and other investment managers. Investments are periodically reviewed to identify opportunities that may help enhance the investment returns and to respond to market changes. Changes have been made to a number of investment options including for example:

• replacing or adding investment managers to investment options and underlying asset class strategies

• updates to the asset allocation ranges, benchmarks, strategies or objectives.

This document provides both a summary and a detailed explanation of these changes. Investment

options within your product that are managed by CMLA include those starting with “Commonwealth” or

“Colonial” (but excluding “Colonial First State”) and those investment options with no company name,

for example “Managed Growth” or “Capital Stable”.

CMLA Managed Investment Options

CMLA managed investment options use a menu of underlying Investment Managers to construct their

investment options. We reserve the right to change the investment managers at any time.

As at 30 June 2018 these include:

• Realindex Investments

• Solaris Investment Management

• Alphinity Investment Management

• Alliance Bernstein

• Colonial First State Global Asset Management

• State Street Global Advisors

• Baillie Gifford

• Stewart Investors

• Standard Life Aberdeen

• Acadian

• GAM Investments

• The Colonial Mutual Life Assurance Society Limited

• Resolution Capital Limited

• DWS

3

Summary of investment options impacted in each product

The table on the following page lists the investment options within a product that are impacted by the changes. Where an investment option for a product is not shown, this is because there is no change for that investment option.

The change number at the top of the table aligns with the descriptors below:

Change

Number

Description

1 For the Australian shares asset class strategy used by both Australian shares and multi-sector investment

options, one of the investment managers, Colonial First State Global Asset Management (CFSGAM), was

replaced in June 2018 with three new investment managers – Alliance Bernstein, Solaris Investment

Management and Alphinity Investment Management.

2 For the Global Shares asset class strategy used by both Global Shares and multi-sector investment

options managed by CMLA, an additional investment manager, Acadian, was added in October 2017.

3 The Colonial First State Wholesale Australian Share – Core option has had the manager CFSGAM

replaced with T. Rowe Price and been renamed to T. Rowe Price Australian Equity in May 2018. The

investment option summary has changed.

4 The Colonial First State Wholesale Global Resources option has had the manager CFSGAM replaced

with Janus Henderson and been renamed to Janus Henderson Global Natural Resources in May 2018.

The investment option summary has changed.

5 For the Global Listed Property asset class strategy used by some of the Property options one of the

investment managers, CBRE Clarion Securities, was replaced in December 2017 by DWS.

6 For the Alternatives asset class strategy used by multi-sector investment options managed CMLA, an

additional investment manager, GAM Investments, was added in November 2017.

7 BT Investment Management Limited changed its name to Pendal Group Limited on 27 April 2018. All BT

investment option names have been changed to Pendal.

8 The Perpetual Balanced Growth option name has been updated to Perpetual Wholesale Balanced

Growth.

9 For the Capital Guaranteed investment options and the participating (i.e. with bonus) versions of the

Whole of Life, Endowment and Pure Endowment products, the strategic asset allocation targets and

ranges were changed and interest rate derivatives were introduced to more effectively manage

asset/liability risk.

10 Additional changes including Objectives, Strategy and/or Asset Allocations and name changes.

Product and investment option name PAS code

Change

1 2 3 4 5 6 7 8 9 10

Personal Super Umbrella Investment Plan and Personal Super

Umbrella Financial Plan(X10, X11, X12)

Capital Guaranteed Fund 6 1SUU

Property Fund 2PRU

Stable Fund 2STU

Managed Fund 2MGU

Australian Equities Fund 2EQU

International Equities Fund 2INU

Colonial Rollover Bond, Personal Super Investment Growth Bond and

Super Investment Growth Bond (E05, E06, E10, E03, E04, E01, E02)

Capital Guaranteed Fund 1SUP

Property Fund 2PRP

Stable Fund 2STB

Consensus Stable Fund 2CST

Managed Fund 2MGD

Consensus Managed Fund 2CMG

Australian Equities Fund 2EQY

International Equities Fund 2INT

Colonial Rollover Deposit Plan (E09)

Capital Guaranteed Fund6 1SUP

SGIC Personal Superannuation Bond (ED3, EE3, EG3)

Capital Guaranteed Fund5,7 6SBD

Capital Guaranteed Fund7 6SCG

Property Fund 7SPF

Managed Fund 7SMN

Australian Equities Fund 7SAE


Change

1 2 3 4 5 6 7 8 9 10

International Equities Fund 7SIE

SGIC Rollover Deposit Plan (EC3, EF3)

Capital Guaranteed Fund7 6RCG

Property Fund 7RPF

Managed Fund 7RMN

Australian Equities Fund 7RAE

International Equities Fund 7RIE

ex Legal and General Capital Guaranteed products

Retirement Investment Plan (W01)

Table 60 and 80 1RIP

Table 62 and Plus 1RAP

Retirement Accumulation Plan (W02) 1RAP

Private Trustee Superannuation (W04) 1LUS

Life Umbrella

Superannuation (W03) 1LUS

SGIC Capital Guaranteed products

Colonial Rollover Bond (EA3) 6ROL

Money Plan Super (WA3) 6SMY

Colonial Rollover Bond (EB3) 6RNF

Allocated Pensions

Living Money (E07, E08)

Property Fund 4PRP

Stable Fund 4STB

Consensus Stable Fund 4CST

Managed Fund 4MGD

Consensus Managed Fund 4CMG


Change

1 2 3 4 5 6 7 8 9 10



SGIC Retirement Plus Account (FA3, FB3)

Capital Guaranteed Fund7 6ACG

Property Fund 9APF

Managed Fund 9AMN

Australian Equities Fund 9AAE

International Equities Fund 9AIE

Ordinary

Umbrella Investment Plan, Umbrella Financial Plan, Investment Growth

Bond (T10, T11, T12, A01, A02, A03, A04, A05)

Capital Guaranteed Fund 6 1ORD

Consensus Stable Fund1 3CST

Consensus Managed Fund1 3CMG

Property Fund 3PRP

Stable Fund 3STB

Managed Fund 3MGD



Investment Growth Bond (A06)

NC - Global Property 3NPR

NC - Australian Shares 3NAU

NC - International Shares 3NIN

NC – Conservative 3NCO

NC – Diversified 3NDI

NC – Balanced 3NBA

Product and investment option name

PAS code

Change

1 2 3 4 5 6 7 8 9 10

NC - Growth 3NGR

SGIC Personal Investment Bond (AA3, AG3, AH3)

Capital Guaranteed Fund7 6BON

Capital Guaranteed Fund5,7 6BCG

Property Fund 8BPF

Managed Fund 8BMN

Australian Equities Fund 8BAE

International Equities Fund 8BIE

ex Legal and General Capital Guaranteed products

Life Umbrella (S03)

Ordinary 1LUO

SGIC Capital Guaranteed products (SB3, AF3, SA3)

Ordinary Passbook Rate 6HIN

Ordinary Funeral Bond 6FNR

Money Plan Ordinary 6MNY

Investment LifeBuilder, Wealth Portfolio, InvestorPlan (LB, WP,

INVESTNI)

Capital Stable Primary Fund (Wealth Portfolio) CAPN

Capital Stable Growth Fund (Wealth Portfolio) CAPGN

Capital Stable Growth Plus Fund CAPGPN

Balanced Primary Fund (Wealth Portfolio) BALN

Balanced Growth Fund (Wealth Portfolio) BALGN

Balanced Growth Plus Fund BALGPN

Equity Profile Primary Fund (Wealth Portfolio) EQPN

Equity Profile Growth Fund (Wealth Portfolio) EQPGN

Equity Profile Growth Plus Fund EQPGPN


Change

1 2 3 4 5 6 7 8 9 10

Capital Guaranteed (Wealth Portfolio) CGORD1

Capital Guaranteed CGORD2

Investment Bond (Multi-Bond) (INVBOND1)

Capital Stable Fund CAPSNG

Balanced Fund BALI-N

Equity Profile Fund EPNG


Investment Bond (Bond '90, Bond '92, Inlife Series 3) (BOND-N, BOND-

N92, XINLIFE-NB)

Capital Stable Fund CAPSNG

Capital Stable II Fund (Bond'92) CS2NG

Balanced Fund BALANG

Equity Profile Fund EPNG


Investment Bond 'S' Series, Investment Bond (Managed PruBond,

Inlife Series 2) (SBOND-N, PRUBONDM, XINLIFE-NA)

Capital Stable Fund SCPSNG

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

Balanced Fund (Investment Bond - Managed Pru Bond) BOND4N

Equity Profile Fund SEPNG


Investment Bond (Bond '93) (IB93)

Capital Stable Fund CS93NG

Balanced Fund B93NG

Equity Profile Fund EP93NG



Change

1 2 3 4 5 6 7 8 9 10

Investment Bond (Capital Guaranteed Bond) (XAETBNDN)


Managed Investment Bond (MIB)

Managed Growth Fund SOMA

Bond 2000 (M2000)

Managed Growth Fund SOMB

Easy Saver, Easy Saver Plus (EASYSAVER, EASYSAVER+)

Capital Guaranteed Fund (Easy Saver) (non-participating)3 AM

Capital Guaranteed Fund (Easy Saver Plus) (non-participating)3 AM

Capital Secure Fund DM

Balanced Fund MM

Managed Growth Fund (LJ and LM Units) LM

Managed Growth Fund (PJ and PM units) PM

LifeWise - Series 4 and 5 (LIFEWISE4, LIFEWISE5)

Capital Guaranteed Fund (non-participating)3 J

Capital Secure Fund (Series 5) DP

Managed Growth Fund LP

LifeLink, LifeLink Plus - Series 2 and 3 (LL1, LL2, LLB3)

Managed Growth Fund (Lifelink and Series 2) LL1, LL2

Managed Growth Fund (Series 3) B

Managed Investment Plan, Managed Savings Plan (MIP1, MIP3, MSP)

Managed Growth Fund (Early Series/Late Series)

OM_PROT,

OM_UNPROT


Change

1 2 3 4 5 6 7 8 9 10

SuperSpan Limited Offer (Multi Option) (SSLOM)

Capital Guaranteed Fund (non-participating)3 CGSB

Capital Secure Fund FG

Balanced Fund NS

Managed Growth Fund CS

SuperSpan II (Multi Option) Deferred Annuity (SSIIM)

Capital Secure Fund FG

Balanced Fund NS

Managed Growth Fund CS

SuperCash Deferred Annuity (SC)

Rollover Deferred Annuity, SuperBond (RDA, SIB)

Managed Fund SSMA

Capital Guaranteed Fund (non-participating)3 CGSB

SuperBond 2000 (S2000)

Managed Growth Fund SSMB

TAP Allocated Annuity (TAE2E, TAE2E+)

Capital Guaranteed Fund (non-participating)3 KST2

Capital Secure Fund FGT2

Balanced Fund NST2

Managed Growth Fund QST2

Australian Share Fund WST2

Superannuation LifeBuilder, Wealth Portfolio, Superplan, SuperFlex

(LB, WP, SUPER1NI, SUPER2NI)

Capital Stable Primary Fund (Wealth Portfolio) CAPS

Capital Stable Growth Fund (Wealth Portfolio) CAPGS

Capital Stable Growth Plus Fund CAPGPS


Change

1 2 3 4 5 6 7 8 9 10

Balanced Primary Fund (Wealth Portfolio) BALS

Balanced Growth Fund (Wealth Portfolio) BALGS

Balanced Growth Plus Fund BALGPS

Equity Profile Primary Fund (Wealth Portfolio) EQPS

Equity Profile Growth Fund (Wealth Portfolio) EQPGS

Equity Profile Growth Plus Fund EQPGPS

Capital Guaranteed CGSUP5

Capital Guaranteed (Wealth Portfolio) CGSUP1

Pru-Plan Superannuation "Unit-Linked", PruPlan Superannuation

"PruLink" (PRUPLANEQU, PRUPLANUL)

Equity Link Balanced Fund PLAN6S

Pru-Plan Unit Linked Balanced Fund PLAN5S

Capital Stable Growth Fund CAPGS

Equity Profile Growth Fund EQPGS


Pruplan Plus (PRUPLAN+)

Capital Stable Growth Plus Fund CAPGPS

Capital Stable Growth Fund CAPGS

Balanced Growth Plus Fund BALGPS

Balanced Growth Fund BALGS

Equity Profile Growth Plus Fund EQPGPS

Equity Profile Growth Fund EQPGS


Capital Guaranteed – Primary CGSUP2



Change

1 2 3 4 5 6 7 8 9 10

Pruplan (MK1 and MK2) (PRUPLAN1, PRUPLAN2)


Capital Guaranteed (MK2) CGSUP3


Superannuation Bond (Capital Guaranteed Bond), Deferred Annuity

(XAETBNDS, AETDEFANN)


Superannuation Bond (Managed PruBond), Roll-Over Plan Goldseal

(PRUBONDM, GSC)

Balanced Fund BOND5S

Capital Stable Fund SCPSSG

Equity Profile Fund SEPSG


Superannuation Bond (Multi-Bond) (INVBOND1)

Balanced Fund BALI-S

Capital Stable Fund ('91) CAPSSG

Equity Profile Fund EPSG


Roll-Over Plan 'S' Series ('91 and '92), Superannuation Bond "S" Series

('91 and '92) (ROLLOVER, ROLLOVER92, SBOND-S92, SBOND-S)

Capital Stable Fund ('91) SCPSSG

Capital Stable Fund ('92) SCS2SG

Balanced Fund SBALSG

Equity Profile Fund SEPSG

Capital Guaranteed (Superannuation Bond "S" Series) CGSUP1

Product and investment option name

PAS code Change

1 2 3 4 5 6 7 8 9 10

Roll-over Plan ('91 and '92), Superannuation Bond ('91 and '92)

(ROLLOVER, ROLLOVER92, BOND-S, BOND-S92)

Balanced Fund BALASG

Capital Stable Fund ('91) CAPSSG

Capital Stable Fund ('92) CS2SG

Equity Profile Fund EPSG


Rollover Bond 93 (ROLLOVER93)

Capital Stable Fund CS93SG

Balanced Fund B93SG

Equity Profile Fund EP93SG


Personal SuperCARE Bond (PSCB), Personal SuperCARE (PSC),

SuperGuaranteeCARE (SGC)

Capital Guaranteed Fund (non-participating) (PSCB and PSC)3 PC

Capital Guaranteed Fund (non-participating) (SCG)3 GC

Retirement Saver, Retirement Saver Series 2, Retirement Saver Plus

(RETIREMENT, RETIREMENT2, RETIREPLUS)

Capital Guaranteed Fund (non-participating)3 BK

Capital Secure Fund FK

Balanced Fund NK

Managed Growth Fund (Retirement Saver) CK

Managed Growth Fund (Series 2 and Plus) QK


Change

1 2 3 4 5 6 7 8 9 10

SuperWise - Series 4 and 5 (SUPERWISE4, SUPERWISE5)

Capital Guaranteed Fund (non-participating)3 K

Capital Secure Fund (Series 5) FQ

Managed Growth Fund CQ

SuperLink, SuperLink Plus - Series 2 and 3 (SL1, SL2, SLS3)

Managed Growth Fund (Superlink and Series 2) CL

Managed Growth Fund (Series 3) S

Managed Investment SuperPlan – Corporate, Managed Investment

SuperPlan, Managed Personal SuperPlan (MISPC, MIP1, MIP3, MISPP)

Managed Growth Fund (Early Series/Late Series)

SM_PROT,

SM_UNPROT

SuperUnits (SU)

Managed Growth Fund SU

CPSL Wholesale Superannuation Business (PRUES)

Capital Safe Fund

SCAPSF,

SCAPSF03

Capital Guaranteed Fund (non-participating)3 SCOLFG

Capital Guaranteed Fund (participating)3,4 SCPGTD

Balanced Fund SDISCR

Growth Fund SGRWTH

Australian Equity Fund SPAEQU

International Equity Fund SPIEQU

CPSL Wholesale Exempt Business (PRUINO)

Capital Safe Fund

ECAPSF,

ECAPSF03,

FECAPSF

Capital Guaranteed Fund (participating)3,4

ECPGTD,

FECPGTD


Change

1 2 3 4 5 6 7 8 9 10

Balanced Fund

EDISCR,

FEDISCR

Growth Fund

EGRWTH,

FEGRWTH

Australian Equity Fund

EPAEQU,

FEPAEQU

Property Fund EPAPRO

International Equity Fund

EPIEQU,

FEPIEQU

CPSL Wholesale Non Superannuation Business (PRUINO)

Balanced Fund ODISCR

Colonial Select Allocated Pension

BT Core Global Share Option* EXROOE

Colonial First State Wholesale Global Resources Fund EXFSRE

FC Wsale Pension Stewart Investors Worldwide Leaders Fund EXFSOE

Colonial Select Personal Superannuation & CPSL MasterFund

Superannuation & Personal Superannuation Portfolio

BT Core Global Share Option* SXROOE

Colonial First State Wholesale Global Resources Fund SXFSRE

FC Wsale Pension Stewart Investors Worldwide Leaders Fund SXFSOE


BT Core Australian Share Option EXRODE

Colonial First State Wholesale Australian Share Fund - Core EXCPAS



BT Core Australian Share Option SXRODE

Colonial First State Wholesale Australian Share Fund - Core SXCPAS


Change

1 2 3 4 5 6 7 8 9 10


BT Property Investment Option EXROPR



BT Property Investment Option SXROPR


Colonial First State Wholesale High Growth Fund EXFSHG



Colonial First State Wholesale High Growth Fund SXFSHG


BT Active Balanced Option EXRODI

Colonial First State Wholesale Diversified Fund EXFSDI

Multi-Index Balanced Fund EXCSGR

Perpetual Balanced Growth Option EXPPBA



BT Active Balanced Option SXRODI

Colonial First State Wholesale Diversified Fund SXFSDI

Multi-Index Balanced Fund SXCSGR

Perpetual Balanced Growth Option SXPPBA


Colonial First State Wholesale Balanced Fund EXFSBA


Change

1 2 3 4 5 6 7 8 9 10



Colonial First State Wholesale Balanced Fund SXFSBA


Colonial First State Wholesale Conservative Fund EXFSCS

Multi-Index Conservative Fund EXCSCS



Colonial First State Wholesale Conservative Fund SXFSCS

Multi-Index Conservative Fund SXCSCS








Colonial First State Wholesale Institutional Cash Fund EXCPCA



Colonial First State Wholesale Institutional Cash Fund SXCPCA

Closed Options5 (Pension)

Colonial Australian Equities Fund EPAEQU

Colonial Balanced Fund EDISCR

Colonial Capital Guaranteed Fund (participating) ECPGTD


Change

1 2 3 4 5 6 7 8 9 10

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

Colonial Capital Safe Fund ECAPSF

Colonial Growth Fund EGRWTH

Closed Options5 (Personal)

Colonial Australian Equities Fund7 SPAEQU

Colonial Balanced Fund7 SDISCR

Colonial Capital Guaranteed Fund (participating) SCPGTD

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

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

Colonial Capital Safe Fund7 SCAPSF

Colonial Consensus Managed Fund SXCCNM

Colonial Consensus Stable Fund SXCCMS

Colonial Growth Fund7 SGRWTH

Colonial International Equities Fund7 SPIEQU

Colonial Property Fund SXCPRO

COLONIAL FLEXIBLE INCOME RETIREMENT PLAN

BT Active Balanced Option FEXRODI

BT Core Australian Share Option FEXRODE

BT Property Investment Option FEXROPR

Colonial Australian Equities Fund FEPAEQU

Colonial Balanced Fund FEDISCR

Colonial Capital Guaranteed Fund (participating) FECPGTD

Colonial Capital Safe Fund FECAPSF

Colonial Growth Fund FEGRWTH

Colonial International Equities Fund FEPIEQU


Change

1 2 3 4 5 6 7 8 9 10

SAVINGS PLAN/SAVINGS CARE PLAN/INVESTMENT BOND

Savings Plan/Investment Bond - Capital Secure CS02

Savings Plan/Savings Care Plan/Investment Bond - Managed MG02

ROLLOVER BOND

Rollover Bond – Managed RBMG02

ALLOCATED ANNUITY

Allocation Annuity – Managed AAMG02

20

Details of investment option changes

Changes to investment managers and investment option summaries

On 21 February 2018, CFSGAM announced that they would be closing their Australian core equities and global resources capabilities. These changes impacted the following investment options:

• Colonial First State Wholesale Global Resources

• Colonial First State Wholesale Australian Share – Core

New investment managers have been appointed to manage these funds from May 2018, and therefore the investment options have been renamed as follows:

Previous Investment Option Name New Investment Option Name Colonial First State Wholesale Global Resources

Janus Henderson Global Natural Resources

Colonial First State Wholesale Australian Share – Core

T. Rowe Price Australian Equity

The investment option summaries have also changed. The tables below provide further detail on the changes:

Previous New

Name Colonial First State Wholesale

Global Resources

Janus Henderson Wholesale Global

Natural Resources

Investment objective 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.

The option seeks to achieve a total

return after fees and taxes that

exceeds the total return of the S&P

Global Natural Resources

Accumulation Index over rolling five-

year periods.

Suggested minimum time

horizon

7 years No change

Risk Very High No change

Strategy The option’s strategy is to add value

over the medium-to-long term by

investing in quality global resource

companies. Rather than attempting

to predict commodity price

movements, we choose to focus on

quality resource companies around

the world. These companies

typically have strong balance

sheets, quality management, high

The option will typically invest in 50-

70 companies that the manager has

identified as being quality global

natural resource companies

operating in the mining, energy and

agriculture natural resources

sectors.

The option may have exposure

across upstream (production and

exploration), midstream (storage,

21

quality assets and a low cost of

production. The option does not

hedge currency risk.

transportation and marketing

commodities) and downstream

(smelting, refining and selling of

processed mineral, energy and

agricultural products to end users)

segments of the natural resources

supply chain. The investment

approach used by the manager

utilises bottom-up fundamental

research and screens for quality,

valuation and growth potential to

identify companies that are best

placed to benefit from the ongoing

demand for natural resources. The

manager’s global investment

approach enlarges the overall size

and breadth of the natural

resources investment universe and

also improves the chance of early

identification of profitable resource

investment trends and pricing

inefficiencies across global markets.

The option does not hedge currency

exposure back to the Australian

dollar.

Benchmark Euromoney Global Mining

Accumulation Index (75%) and the

MSCI All Country World Energy

Index (25%)

S&P Global Natural Resources Accumulation Index

Asset Allocation 90-100% Australian and Global

Shares

0-10% Cash

80-100% Global Shares

0-20% Cash

Previous New

Name Colonial First State Wholesale

Australian Share – Core

T. Rowe Price Wholesale Australian

Equity

Investment objective 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.

To provide long-term capital growth

through investment primarily in a

portfolio of securities of Australian

companies listed on the Australian

stock exchange. The option aims to

outperform the S&P/ASX 200

Accumulation Index over rolling

three year periods after fees and

taxes.


horizon

7 years No change

Risk Very High No change

22

Strategy The option does not seek any style

bias, such as to growth or value,

and seeks to consistently add value

through the investment cycle.

Mispriced investment opportunities

are identified following detailed

fundamental research. The

investment process incorporates a

high number of company visits and

a proprietary database to analyse

company financials. Importantly,

every company is assessed using a

consistent set of criteria, which

enables potential investments to be

compared on a like-for-like basis.

This option predominantly invests in

Australian companies and therefore

does not hedge currency risk.

The strategy is a high conviction

portfolio that seeks to identify high

quality growing companies that T.

Rowe Price expect to compound

value faster than the overall market

and outperform over time. The

strategy relies on extensive

proprietary fundamental research by

an experienced Australian

investment team collaborating with

and receiving insights from the T.

Rowe Price global research

platform.

The strategy is a quality growth-

oriented portfolio with fundamental,

bottom up research at the core of

the process. As a high conviction

portfolio T. Rowe Price applies a

proprietary business quality

assessment process to identify high

quality companies and non-

consensus ideas. Detailed valuation

work is then undertaken, utilising

various techniques and scenarios,

to ensure T. Rowe Price own these

businesses at attractive prices.

Benchmark S&P/ASX 200 Accumulation Index No change

Asset Allocation 90 -100% Australian Shares

0 -10% Cash

No change

In addition, following a review of the Australian shares asset class strategy used by the CMLA managed options, one of the mandates managed by CFSGAM was terminated and in June 2018, the following three new managers were added to the strategy:

• Alliance Bernstein

• Solaris Investment Management

• Alphinity Investment Management

Allliance Bernstein may hold an allocation to International shares, which means that up to 4 per cent of the Australian

shares exposure within an investment option may be invested in international shares. This exposure may or may not be

hedged at the manager’s discretion.

23

Changes to investment option names

BT investment options

The name of ‘BT’ investment options has changed to ‘Pendal’ as a result of BT Investment Management Limited changing its

company name to Pendal Group Limited on 27 April 2018. There has been no change to the way these options are being

managed.

This name change is relevant for the following BT investment options:

Previous name Current name

BT Property Investment Option Pendal Property Investment Option

BT Core Australian Share Option Pendal Australian Share Option

BT Core Global Share Option Pendal Core Global Share Option

BT Active Balanced Option Pendal Active Balanced Option

Perpetual Balanced Growth

The Perpetual Balanced Growth investment option has been updated to Perpetual Wholesale Balanced Growth. There has

been no change to the way this option is being managed.

Other changes to investment options

Colonial First State Wholesale Diversified Fund

Previous New

Investment objective To provide long term capital growth.

The option aims to outperform the

composite benchmark over rolling


taxes.

No change


horizon

5 years No change

Risk High No change

Strategy The option’s broad asset allocation

is to be 70% invested in growth

assets (shares and property) and

30% in defensive assets (fixed

interest and cash). Allocations are

reviewed regularly although a

reallocation is only considered in

response to a fundamental change

in long-term expectations or market

The fund’s broad asset allocation is

to be 70% invested in growth assets

(shares and property and global

infrastructure securities) and 30% in

defensive assets (fixed interest and

cash). Allocations are reviewed

regularly although a reallocation is

only considered in response to a

fundamental change in long-term

24

demand. The manager seeks to

add value through a disciplined

approach to the selection of the

investments held by the option. The

option may hedge some or all of its

currency exposure.

expectations and or market

demand. The fund aims to add

value through a disciplined

approach to the selection of

investments held by the fund.

Derivatives may be used for risk

management. The fund may hedge

some or all of its currency exposure.

Asset Allocation 30% Australian shares

20% Global shares

10% Global resource shares

5% Property securities

5% Global Infrastructure securities

30% Fixed interest and cash

30% Australian shares

20% Global shares

10% Real return


5% Global Infrastructure securities


25

Pendal Australian Shares

(previously BT Core Australian Shares)

Previous New

Investment objective The option aims to provide a return

(before fees and taxes) that

exceeds the S&P/ASX 300

Accumulation Index over rolling

three-year periods.

To provide a return (before fees,

costs and taxes) that exceeds the

S&P/ASX 300 Accumulation Index

over rolling three-year periods.


horizon

7 years No change

Risk High No change

Strategy The option is an actively managed

portfolio of predominantly Australian

shares that offer potential for long-

term capital growth and tax-effective

income. The manager’s investment

process for Australian shares is

based on its core investment style

and aims to add value through

active stock selection and

fundamental company research.

The manager’s core investment

style is to select stocks based on its

assessment of their long-term worth

and ability to outperform the market,

without being restricted by a growth

or value bias. The manager’s

fundamental company research

focuses on four key factors:

valuation, financial risk, franchise

and management quality.

The option is an actively managed

portfolio of predominantly Australian

shares is based on its core

investment style and aims to add

value through active stock selection

and fundamental company

research. The manager’s core

investment style is to select stock

based on its assessment of their

long-term worth and ability to

outperform the market, without

being restricted by a growth or

value bias. The manager’s

fundamental company research

focuses on four key factors:

valuation, financial risk, franchise

and management quality.

Asset Allocation 100% Australian Shares No change

Colonial First State Wholesale Balanced

Previous New

Investment objective 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.

No change


horizon

5 year No change

Risk Medium No change



assets (shares and property) and

The option’s broad asset allocation


assets (shares and property

26

50% in defensive assets (fixed

interest and cash). Allocations are





demand. The manager seeks to

add value through a disciplined


investments held by the option. The

option may hedge some or all of its

currency exposure.

securities) and 50% in defensive

assets (fixed interest and cash).

Allocations are reviewed regularly

although a reallocation is only

considered in response to a

fundamental change in long-term

expectations or market demand.

The options aims to add value

through a disciplined approach to

the selection of investments held by

the option. Derivatives may be used

for risk management. The option

may hedge some or all of its

currency exposure.


15% Global shares

10% Global resource shares



20% Australian shares

15% Global shares

10% Real return



Colonial First State Wholesale Institutional Cash

Previous New

Investment objective 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.

To provide a regular income stream

from investment in money market

securities with a very low risk of

capital loss. The option aims to

outperform returns of Australian

money markets over rolling three-

year periods as measured by the

Bloomberg AusBond Bank Bill

Index before fees and taxes.


horizon

No minimum No change

Risk Low No change

Strategy The fund’s strategy is to invest in

high quality money market

securities, with short maturities, to

achieve a very stable income

stream. This is done by assessing

the earnings that each investment

will generate, rather than attempting

to forecast the short-term direction

of the interest rate cycle. The fund

does not purchase securities that

give rise to material currency risk

and therefore no currency hedging

is undertaken.

The fund’s strategy is to invest in

high quality money market

securities with predominantly short

maturities, to achieve a very stable

income stream. The options invests

in assets that offer value-for-risk by

taking into account economic

analysis and market trends.


management.

Asset Allocation 100% Cash No change

27

Colonial First State Wholesale High Growth

Previous New

Investment objective To provide long term capital growth.

The option aims to outperform the


three- year periods before fees and

taxes.

No change


horizon

6 years No change

Risk High No change



assets (shares). Allocations are



response to a fundamental

change in long-term expectations or

market demand. The manager

seeks to add value through a

disciplined approach to the

selection of the investments held by

the option. The option may hedge

some or all of its currency exposure.

The options broad asset allocation


assets (shares). Allocations are





demand. The option aims to add

value through a disciplined


investments held in the option.


management. The option may

hedge some or all of its currency

exposure.

Asset Allocation 40% Australian Shares

10% Australian Small Company

Shares

35% Global Shares

15% Global Resource Shares

0% Cash

40% Australian Shares

10% Australian Small Company

Shares

50% Global Shares

0% Cash

FirstChoice Wholesale Multi-Index Balanced

Previous New

Investment objective To provide capital growth and

income over the long term. To

outperform the composite

benchmark over rolling three- year

periods before fees and taxes

No change


horizon

5 years No change

Risk High No change

28

Strategy The option allocates 70% of

investments to growth assets such

as shares, property and

infrastructure to provide potential for

capital growth. The shares

component is managed by

Realindex Investments using the

RAFI® methodology to select

securities. The property and

infrastructure components are

managed using market

capitalisation indices. 30% of the

portfolio is allocated to defensive

assets such as fixed interest and

cash to provide the portfolio

with relatively stable returns. The

fixed interest component includes

government bonds managed

on a traditional index basis and a

broadly diversified portfolio of credit

securities. The portfolio aims to

hedge currency risk except

for the allocation to emerging

market shares and part of the

allocation to global shares.

The option allocates 70% of

investments to growth assets such

as shares and property and

infrastructure securities to provide

potential for capital growth. The

shares component is managed by

Realindex Investments using a

systematic methodology The

property and infrastructure

components are managed using

market capitalisation indices. 30%

of the portfolio is allocated to

defensive assets such as fixed

interest and cash to provide the

portfolio with relatively stable

returns. The fixed interest

component includes government

bonds managed on a traditional

index basis and a broadly

diversified portfolio of credit

securities. The portfolio aims to

hedge currency risk except





13% Global shares

14% Global shares – hedged

2% Emerging market shares

6% Global property securities

6% Global infrastructure securities

25% Fixed interest

5% Cash

No change

FirstChoice Wholesale Multi-Index Conservative

Previous New

Investment objective To provide relatively stable returns

over the medium term with the

potential for some long-term capital

growth. To outperform the option’s



taxes.

No change


horizon

3 years No change

Risk Medium No change

29

Strategy The option allocates 70% of

investments to defensive assets

such as fixed interest and cash

to provide the portfolio with

relatively stable returns. The fixed

interest component includes

government bonds managed on a

traditional index basis and a broadly


securities. 30% of the portfolio is

allocated to growth assets such as

shares, property and infrastructure

to provide potential for capital

growth. The shares component is

managed by Realindex Investments

using the RAFI® methodology to

select securities. The property and

infrastructure components are

managed using market

capitalisation indices. The portfolio

aims to hedge currency risk except




The option allocates 70% of

investments to defensive assets

such as fixed interest and cash

to provide the portfolio with

relatively stable returns. The fixed

interest component includes

government bonds managed on a

traditional index basis and a broadly


securities. 30% of the portfolio is

allocated to growth assets such as

shares, property and infrastructure

to provide potential for capital

growth. The shares component is

managed by Realindex Investments

using a systematic methodology.

The property and infrastructure

components are managed using

market capitalisation indices.

The portfolio aims to hedge

currency risk except for the

allocation to emerging market

shares and part of the allocation to

global shares.


5% Global shares

6% Global shares hedged

1% Emerging market shares

3% Global property securities

3% Global infrastructure securities

30% Fixed interest

40% Cash

No change

Changes to Capital Guaranteed Asset Allocations

The following changes to the strategic asset allocations for the Capital Guaranteed investment options came into effect 17 November 2017:

Table 1

Capital Guaranteed - Participating Ordinary, Super

Strategic Asset Allocations New Old

Target Min Max Target Min Max

% % % % % %

Australian Shares - - - 2.5 0.0 17.0

Australian Low Volatility Shares 4.0 0.0 15.0 - - -

Global Shares - - - 2.5 0.0 14.0

Global Low Volatility Shares 6.0 0.0 20.0 5.0 0.0 20.0

Alternatives 10.0 0.0 20.0 10.0 0.0 16.0

30

Capital Guaranteed - Participating Ordinary, Super



% % % % % %

Fixed Interest 30.0 15.0 45.0 70.0 40.0 90.0

Cash 50.0 30.0 70.0 10.0 0.0 60.0

Growth Assets 20.0 10.0 40.0 20.0 10.0 40.0

Table 2

Capital Guaranteed - Participating Exempt



% % % % % %


Australian Low Volatility Shares 4.0 0.0 15.0

Global Shares - - - 2.5 0.0 14.0


Alternatives 10.0 0.0 20.0 10.0 0.0 16.0

Fixed Interest 75.0 45.0 90.0 70.0 40.0 90.0

Cash 5.0 0.0 40.0 10.0 0.0 60.0

Growth Assets 20.0 10.0 40.0 20.0 10.0 40.0

Table 3

Capital Guaranteed – Non-Participating (Ordinary, Super, Exempt)



% % % % % %



Global Shares - - - 3.0 0.0 10.0


Alternatives 11.0 0.0 20.0 5.0 0.0 10.0

Fixed Interest 28.0 15.0 45.0 40.0 35.0 65.0

Cash 50.0 20.0 65.0 45.0 20.0 60.0

Growth Assets 22.0 10.0 40.0 15.0 5.0 25.0

31

Notes to the Tables

• Changes in SAA target weights and ranges are shaded.

• Global Shares are 100% currency hedged under the old SAA.

• Australian Low Volatility Shares may include an allocation to International Shares (up to 25% of the allocation to Australian Low Volatility Shares). This exposure may or may not be hedged at the manager’s discretion.

• Global Low Volatility Shares are 0% currency hedged under the new and old SAAs.

• For all options with the exception of Participating Exempt, under the new SAA interest rate derivatives are used to more effectively manage asset/liability risk.

• As at 30 June 2018 the Alternatives allocation included allocations to Liquid Alternatives Risk Premia strategies and Global Unlisted Infrastructure (AUD Hedged).

• The asset allocation targets and ranges and asset class and hedging strategies are subject to change. Further details on the Capital Guaranteed investment options captured under each of the above tables is available from commbank.com.au/superreports

32

Changes to Whole of Life, Endowment and Pure Endowment (i.e. Traditional) participating (i.e. with bonus) products asset allocation changes The following changes to the strategic asset allocations for the participating (i.e. with bonus) versions of the Traditional products took effect

from 17 November 2017.

Table 1

Traditional Participating Ordinary and Super (ex-Prudential)



% % % % % %



Global Shares - - - 7.5 0.0 30.0


Alternatives 25.0 0.0 40.0 25.0 0.0 35.0

Fixed Interest 26.0 15.0 40.0 45.0 25.0 60.0

Cash 24.0 10.0 50.0 5.0 0.0 30.0

Growth Assets 50.0 30.0 65.0 50.0 30.0 65.0

Table 2

Traditional Participating Super (CMLA and ex-L&G)



% % % % % %



Global Shares - - - 5.0 0.0 30.0


Alternatives 18.0 0.0 30.0 25.0 0.0 35.0

Fixed Interest 24.0 10.0 35.0 50.0 35.0 70.0

Cash 40.0 20.0 65.0 5.0 0.0 30.0

Growth Assets 36.0 20.0 60.0 40.0 25.0 65.0

Notes to the Tables

• Changes in SAA target weights and ranges are shaded.

• Global Shares are 100% currency hedged under the old SAA.

• Australian Low Volatility Shares may include an allocation to International Shares (up to 25% of the allocation to Australian Low Volatility Shares). This exposure may or may not be hedged at the manager's discretion.

• Global Low Volatility Shares are 0% currency hedged under the new and old SAAs.

33

• For all options, under the new SAA interest rate derivatives are used to more effectively manage asset/liability risk.

• As at 30 June 2018, the Alternatives allocation included allocations to Liquid Alternatives Risk Premia strategies and Global Unlisted Infrastructure (AUD Hedged).

• The asset allocation targets and ranges and asset class and hedging strategies are subject to change.

34

Annual Performance Information - 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 CommInsure Investment Growth Bond (A01, A02, A03, A04, A05)

Rollover Deferred Annuity

CommInsure Investment Growth Bond (AO6) Roll-Over Plan

CPSL Master Fund 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

35

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.

36

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

2018 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.

37

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

The notes below relate to the footnotes mentioned on pages 38 – 196 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.

For any unit linked products, up to 4% of the allocation to Australian Shares may be invested in International Shares, with currency hedging at the discretion of the

manager.

For any non-unit linked products the allocation to Global Shares includes an allocation to two underlying strategies: Global Low Volatility Equities and

Australian Low Volatility Equities. Up to 25% of the exposure to Australian Low Volatility Equities can be in International Shares with the currency hedging at the

discretion of the manager.”

2. The Indirect Cost Ratio 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.

38

Whole of Life, Endowment and Pure Endowment policies originally issued by CMLA and Scottish Amicable insurance companies

Return to contents

39

Return to contents

Asset Allocation at 30 June 20181

Ordinary – 5 PT Superannuation – 1 PT

◼ Australian Shares 0%


◼ Global Shares 27.3% ◼ Global Shares 20.3%

◼ Alternatives00 25% ◼ Alternatives00 17.2%

◼ Fixed interest 27.6% ◼ Fixed interest 25.7%

◼ Cash 20.1% ◼ Cash 36.8%

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 40.0-410.0 40.0-410.0 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

Whole of Life - SmallC01P, C01Q,

C01T5 PT 40.0-410.0 40.0-410.0 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

Endow ment - Large C02E, C02I 5 PT 170.0-640.0 170.0-640.0 120.0-560.0 120.0-560.0 70.0-490.0 70.0-490.0 60.0-480.0 60.0-480.0 40.0-450.0 40.0-450.0

Endow ment - SmallC02G, C02H,

C02J5 PT 170.0-640.0 170.0-640.0 120.0-560.0 120.0-560.0 70.0-490.0 70.0-490.0 60.0-480.0 60.0-480.0 40.0-450.0 40.0-450.0

Pure Endow ment C03B 5 PT 170.0-560.0 170.0-560.0 160.0-540.0 160.0-540.0 140.0-480.0 140.0-480.0 140.0-480.0 140.0-480.0 140.0-480.0 140.0-480.0

Whole of Life 1996

SeriesC01G 5 PT 20.0 20.0 20.0 20.0 20.0 20.0 30.0 30.0 50 50

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 90.0-460.0 90.0-460.0

Whole of Life,

Endow ment and Pure

Endow ment 1974

C01D, C01E,

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

Whole of Life - Large G01I 1 PT 80.0-740.0 80.0-740.0 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

Whole of Life - Small G01Q 1 PT 80.0-740.0 80.0-740.0 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

Pure Endow ment G03B 1 PT 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 100.0-640.0 100.0-640.0 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

Endow ment - Small G02G, G02J 1 PT 100.0-640.0 100.0-640.0 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

Whole of Life 1996

SeriesG01G 1 PT 270.0 270.0 250.0 250.0 240.0 240.0 240.0 240.0 240 240

Whole of Life,

Endow ment and Pure

Endow ment 1960

G01B, G02A 1 PT 70.0-490.0 70.0-490.0 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

Whole of Life,

Endow ment and Pure

Endow ment 1974

G01E, G02C,

G03A1 PT 120.0-1230.0 120.0-1230.0 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

Terminal Bonus

Superannuation7,8

Whole of Life, Endowment and Pure Endowment policies originally issued by CMLA and Scottish

Amicable insurance companies (cont.)2017 bonus rate6 (per $1000) 2016 bonus rate6 (per $1000) 2015 bonus rate6 (per $1000) 2014 bonus rate6 (per $1000) 2013 bonus rate6 (per $1000)

40

Return to contents








◼ Cash 20.1% ◼ Cash 36.8%

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

Contract/

component

code


($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Premium Pay ing -

Rev ersionary

I02, I04, I06,

I07, I08, I095 PT 2 2 1 1 1 1 1.5 1.5 2 2

Paid Up - Rev ersionaryI02, I04, I06,

I07, I08, I095 PT 2 2 1 1 1 1 1.5 1.5 2 2

Premium Pay ing -

Rev ersionary

N02, N04,

N06, N081 PT 2 2 2 2 1 1 1 1 1.5 1.5

Paid Up - Rev ersionaryN02, N04,

N06, N081 PT 2 2 2 2 1 1 1 1 1.5 1.5

Premium Pay ing -

Terminal

I02, I04, I06,

I07, I08, I095 PT 200.0 200.0 170.0-190.0 170.0-190.0 160.0-190.0 160.0-190.0 160.0-210.0 160.0-210.0 170.0-220.0 170.0-220.0

Paid Up - TerminalI02, I04, I06,

I07, I08, I095 PT 200.0 200.0 170.0-190.0 170.0-190.0 160.0-190.0 160.0-190.0 160.0-210.0 160.0-210.0 170.0-220.0 170.0-220.0

Premium Pay ing -

Terminal

N02, N04,

N06, N081 PT 40.0 40.0 0.0 0.0 0.0 0.0 0.0 0.0 0 0

Paid Up - TerminalN02, N04,

N06, N081 PT 40.0 40.0 0.0 0.0 0.0 0.0 0.0 0.0 0 0

Rev ersionary Bonus

Ordinary7

Superannuation7,8

Terminal Bonus

Ordinary7

Superannuation7,8

2017 bonus rate6 (per $1000) 2016 bonus rate6 (per $1000) 2015 bonus rate6 (per $1000) 2014 bonus rate6 (per $1000) 2013 bonus rate6 (per $1000)

41

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Contract/

component

code


($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Series 1 -

Rev ersionary

C11A, C11B,

C12A5 PT 38 38 36 36 45 45 45 45 45 45

Series 2 -

Rev ersionary

C11D, C11E,

C12B, C12C,

C13A

5 PT 9 9 9.5 9.5 11 11 14 14 17.5 17.5

Series 4 -

Rev ersionary

C11G, C12E,

C13B5 PT 10 10 11 11 12 12 15 15 17.5 17.5

Series 5 -

Rev ersionaryC11I, C12G 5 PT 8 8 9.5 9.5 10.5 10.5 13 13 16 16

Series 6 -

Rev ersionaryC11F 5 PT 9 9 9.5 9.5 10 10 13.5 13.5 16 16

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 6.5 6.5 8.5 8.5 10 10 12.5 12.5 14.5 14.5

Series 1 -

Rev ersionaryG11B 1 PT 33 33 33 33 41 41 43 43 43 43

Series 2 -

Rev ersionary

G11E, G12C,

G13A1 PT 8 8 8 8 9.5 9.5 11 11 11.5 11.5

Series 3 -

Rev ersionaryG11K, G12L 1 PT 12 12 10 10 11 11 11 11 10 10

Series 4 -

Rev ersionary

G11G, G12E,

G13B1 PT 12 12 12 12 14 14 16.5 16.5 17.5 17.5

Series 5 -

Rev ersionaryG11I, G12G 1 PT 14.5 14.5 14.5 14.5 17 17 19 19 20 20

Series A, C, E, G, H, I,

J, L, M, Q, R, U & Z -

Rev ersionary

G11Q, G11R,

G12I, G12J,

G12K, G13D,

G13E, G20A,

G20B, G20D,

G20E, G20G,

G20H

1 PT 14 14 12.5 12.5 14 14 12.5 12.5 10.5 10.5

Rev ersionary Bonus

Ordinary7

Superannuation7,8

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

Assurance companies2017 bonus rate6 (per $1000) 2016 bonus rate6 (per $1000) 2015 bonus rate6 (per $1000) 2014 bonus rate6 (per $1000) 2013 bonus rate6 (per $1000)

42

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◼ Cash 20.1% ◼ Cash 36.8%

Prupac

Contract/

component

code


($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Series 1 - TerminalC11A, C11B,

C12A5 PT 0.0-4470.0 N/A 0.0-4080.0 N/A 0.0-3930.0 N/A 0.0-3930.0 N/A 0.0-3930.0 N/A

Series 2 - Terminal

C11D, C11E,

C12B, C12C,

C13A

5 PT 290.0-6030.0 N/A 290.0-5710.0 N/A 280.0-5680.0 N/A 280.0-5680.0 N/A 280.0-5680.0 N/A

Series 4 - TerminalC11G, C12E,

C13B5 PT 250.0-720.0 N/A 220.0-680.0 N/A 210.0-670.0 N/A 210.0-670.0 N/A 210.0-670.0 N/A

Series 5 - Terminal C11I, C12G 5 PT 380.0-610.0 N/A 380.0-560.0 N/A 380.0-560.0 N/A 380.0-560.0 N/A 380.0-560.0 N/A

Series 6 - Terminal C11F 5 PT 430.0-810.0 N/A 410.0-770.0 N/A 410.0-770.0 N/A 410.0-770.0 N/A 410.0-770.0 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 130.0-880.0 N/A 150.0-720.0 N/A 120.0-650.0 N/A 120.0-650.0 N/A 120.0-650.0 N/A

Series 1 - Terminal G11B 1 PT 430.0-8310.0 N/A 340.0-7100.0 N/A 250.0-5840.0 N/A 230.0-5530.0 N/A 230.0-5530.0 N/A

Series 2 - TerminalG11E, G12C,

G13A1 PT 370.0-6300.0 N/A 260.0-5460.0 N/A 210.0-5130.0 N/A 220.0-5130.0 N/A 210.0-5020.0 N/A

Series 3 - Terminal G11K, G12L 1 PT 330.0-1350.0 N/A 270.0-1140.0 N/A 200.0-890.0 N/A 170.0-790.0 N/A 120.0-640.0 N/A

Series 4 - TerminalG11G, G12E,

G13B1 PT 270.0-670.0 N/A 200.0-570.0 N/A 170.0-520.0 N/A 150.0-520.0 N/A 150.0-520.0 N/A

Series 5 - Terminal G11I, G12G 1 PT 330.0-680.0 N/A 260.0-600.0 N/A 250.0-530.0 N/A 250.0-530.0 N/A 250.0-530.0 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 300.0-1700.0 N/A 240.0-1270.0 N/A 160.0-1020.0 N/A 150.0-920.0 N/A 120.0-770.0 N/A

Terminal Bonus

Ordinary7

Superannuation7,8

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

Assurance companies (cont.)2017 bonus rate6 (per $1000) 2016 bonus rate6 (per $1000) 2015 bonus rate6 (per $1000) 2014 bonus rate6 (per $1000) 2013 bonus rate6 (per $1000)

43

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Ordinary – 5 PI Superannuation – 1 PI



◼ Global Shares 11% ◼ Global Shares 11.4%

◼ Alternatives00 9.1% ◼ Alternatives00 9.7%


◼ Cash 47.7% ◼ Cash 47.5%

44

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Ordinary – 5NPI Superannuation – 1NPI




◼ Alternativesoo 9.7% ◼ Alternativesoo 9.7%


◼ Cash 48.6% ◼ Cash 48.6%

Advance Contribution Account (ACA)

2018 2017 2016 2015 2014

Ordinary7

5NPI 1.07 0.79 1.10 1.63 1.83 1.32 1.95 0.50%

Superannuation7,8

1NPI 1.56 1.21 1.58 2.20 2.43 1.84 2.61 0.50%

Statutory fundYearly returns as at 30 June (%)

5 years (%p.a.)10 years

(%p.a.)

Investment

management

fee (%p.a.)

45

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

Capital Stable Primary Fund (Wealth Portfolio) - CAPN

Objective and strategy Investment performance – Yearly returns to 30 June (%) Asset Allocation at 30 June 20181

2018 1.99

2017 0.21 ●Australian Shares 10.5%

2016 -1.64 ●Global Shares 10.6%

2015 0.21 ●Listed Property° 0.0%

Indirect Cost Ratio (% p.a.)2: 1.76 2014 1.47 ●Alternatives°° 12.0%

5 years (% p.a.) 0.44 ●Fixed Interest°°° 34.3%

10 years (% p.a.) -0.01 ●Cash 32.6%

To invest in a diversified portfolio of assets expected to

generate a mix of income and long-term captial growth

with an emphasis on stable returns and a reasonably

high level of security. To achieve a return of Consumer

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

year period before fees and taxes.

Risk: Low to Medium

Capital Stable Growth Fund (Wealth Portfolio) - CAPGN


2018 1.99


2016 1.41 ●Global Shares 10.6%




10 years (% p.a.) 2.70 ●Cash 32.6%







Risk: Low to Medium

Capital Stable Growth Plus Fund - CAPGPN


2018 2.21






10 years (% p.a.) 3.13 ●Cash 32.6%







Risk: Low to Medium

Balanced Primary Fund (Wealth Portfolio) - BALN


2018 5.74


2016 -2.42 ●Global Shares 28.6%




10 years (% p.a.) 1.55 ●Cash 17.2%


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

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

achieve a return of Consumer Price Index (CPI) plus

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

taxes.

Risk: High

46

Balanced Growth Fund (Wealth Portfolio) - BALGN


2018 5.74






10 years (% p.a.) 4.30 ●Cash 17.2%






taxes.

Risk: High

Balanced Growth Plus Fund - BALGPN


2018 6.02






10 years (% p.a.) 4.74 ●Cash 17.2%






taxes.

Risk: High

Equity Profile Primary Fund (Wealth Portfolio) - EQPN


2018 6.54


2016 -3.12 ●Global Shares 34.2%




10 years (% p.a.) 1.73 ●Cash 12.5%

To invest in a diversified portfolio of predominately

growth assets expected to generate a mix of long-term

capital growth and income but which may be quite volatile

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

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

rolling seven-year period before fees and taxes.

Risk: High

47

Equity Profile Growth Fund (Wealth Portfolio) - EQPGN


2018 6.54


2016 -0.12 ●Global Shares 34.2%




10 years (% p.a.) 4.48 ●Cash 12.5%







Risk: High

Equity Profile Growth Plus Fund - EQPGPN


2018 6.90






10 years (% p.a.) 4.93 ●Cash 12.5%







Risk: High

Capital Guaranteed (Wealth Portfolio) - CGORD1


2018 3.54






10 years (% p.a.) 3.95 ●Cash 47.7%

To meet policy holder reasonable expectations by:

Investing to maintain long term stable returns (before tax)

in excess of inflation; Managing short term risks to

support delivery of stable bonus/crediting rates from

period to period, consistent with the objectives of the

Bonus Philosophy Policy; and maintain security of capital.

Risk: Very low

48

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Capital Guaranteed - CGORD2


2018 3.54






10 years (% p.a.) 3.95 ●Cash 47.7%







Risk: Very low

49

Investment Bond (Multi-Bond)7 (INVBOND1)

Cash Fund - CASH-N


2018 0.03






10 years (% p.a.) 0.89 ●Cash 100.0%

To provide the highest level of security with income from

investments in money market securities. The option aims

to outperform the returns of the Australian Money

Markets as measured by the Bloomberg AusBond Bank

Bill Index before fees and taxes.

Risk: Very Low

Capital Stable Fund - CAPSNG


2018 1.73






10 years (% p.a.) 2.66 ●Cash 32.6%







Risk: Low to Medium

Balanced Fund - BALI-N


2018 5.53






10 years (% p.a.) 4.27 ●Cash 17.2%






taxes.

Risk: High

Equity Profile Fund - EPNG


2018 6.38


2016 -0.13 ●Global Shares 34.2%




10 years (% p.a.) 4.45 ●Cash 12.5%







Risk: High

50

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2018 3.54






10 years (% p.a.) 3.95 ●Cash 47.7%







Risk: Very low

51

Investment Bond (Bond '90, Bond '92, Inlife Series 3)7 (BOND-N, BOND-N92, XINLIFE-NB)

Cash Fund - CAPFNG


2018 0.03






10 years (% p.a.) 0.89 ●Cash 100.0%






Risk: Very Low

Capital Stable Fund - CAPSNG


2018 1.73






10 years (% p.a.) 2.66 ●Cash 32.6%







Risk: Low to Medium

Capital Stable II Fund (Bond'92) - CS2NG


2018 1.73






10 years (% p.a.) 2.67 ●Cash 32.6%







Risk: Low to Medium

Balanced Fund - BALANG


2018 5.51






10 years (% p.a.) 4.26 ●Cash 17.2%






taxes.

Risk: High

52

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Equity Profile Fund - EPNG


2018 6.38


2016 -0.13 ●Global Shares 34.2%




10 years (% p.a.) 4.45 ●Cash 12.5%







Risk: High



2018 3.54






10 years (% p.a.) 3.95 ●Cash 47.7%







Risk: Very low

53

Investment Bond 'S' Series, Investment Bond (Managed PruBond, Inlife Series 2)7 (SBOND-N, PRUBONDM, XINLIFE-NA)

Cash Fund - SCPFNG


2018 0.34






10 years (% p.a.) 1.32 ●Cash 100.0%






Risk: Very Low

Capital Stable Fund - SCPSNG


2018 2.20






10 years (% p.a.) 3.12 ●Cash 32.6%







Risk: Low to Medium

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


2018 6.01






10 years (% p.a.) 4.74 ●Cash 17.2%






taxes.

Risk: High

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


2018 6.02






10 years (% p.a.) 4.74 ●Cash 17.2%






taxes.

Risk: High

54

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Equity Profile Fund - SEPNG


2018 6.89






10 years (% p.a.) 4.93 ●Cash 12.5%







Risk: High



2018 3.54






10 years (% p.a.) 3.95 ●Cash 47.7%







Risk: Very low

55

Investment Bond (Bond '93)7 (IB93)

Fixed Interest Fund - FI93NG


2018 -0.52

2017 -0.48 ●Australian Shares 0.0%





10 years (% p.a.) 2.35 ●Cash 0.8%

To provide relatively stable returns by investing in

Australian and global fixed interest securities. To

outperform the option’s composite benchmark over a

rolling three-year period before fees and taxes.

Risk: Medium

Capital Stable Fund - CS93NG


2018 1.64






10 years (% p.a.) 2.55 ●Cash 32.6%







Risk: Low to Medium

Balanced Fund - B93NG


2018 5.40






10 years (% p.a.) 4.17 ●Cash 17.2%






taxes.

Risk: High

56

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Equity Profile Fund - EP93NG


2018 6.30


2016 -0.23 ●Global Shares 34.2%




10 years (% p.a.) 4.35 ●Cash 12.5%







Risk: High



2018 3.54






10 years (% p.a.) 3.95 ●Cash 47.7%







Risk: Very low

57

Investment Bond (Capital Guaranteed Bond) (XAETBNDN)

Return to contents



2018 3.54






10 years (% p.a.) 3.95 ●Cash 47.7%







Risk: Very low

58

Managed Investment Bond7 (MIB)

Return to contents

Capital Guaranteed Cash Fund - SOGA


2018 0.26






10 years (% p.a.) 1.24 ●Cash 100.0%






Risk: Very Low

Managed Growth Fund - SOMA


2018 6.35






10 years (% p.a.) 5.01 ●Cash 17.2%






taxes.

Risk: High

59

Bond 20007 (M2000)

Return to contents

Capital Guaranteed Cash Fund - SOGB


2018 0.27






10 years (% p.a.) 1.24 ●Cash 100.0%






Risk: Very Low

Managed Growth Fund - SOMB


2018 6.02






10 years (% p.a.) 4.70 ●Cash 17.2%






taxes.

Risk: High

60

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

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


2018 0.14






10 years (% p.a.) 1.63 ●Cash 48.6%







Risk: Very low

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


2018 0.14






10 years (% p.a.) 1.63 ●Cash 48.6%







Risk: Very low

Capital Guaranteed Cash Fund - VM


2018 0.20






10 years (% p.a.) 1.10 ●Cash 100.0%






Risk: Very Low

61

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Capital Secure Fund - DM


2018 1.92






10 years (% p.a.) 2.87 ●Cash 32.6%







Risk: Low to Medium

Balanced Fund - MM


2018 5.74






10 years (% p.a.) 4.46 ●Cash 17.2%






taxes.

Risk: High

Managed Growth Fund (LJ and LM Units) - LM


2018 5.76






10 years (% p.a.) 4.47 ●Cash 17.2%






taxes.

Risk: High

Managed Growth Fund (PJ and PM units) - PM


2018 5.75






10 years (% p.a.) 4.48 ●Cash 17.2%






taxes.

Risk: High

62

LifeWise - Series 4 and 57 (LIFEWISE4, LIFEWISE5)

Capital Guaranteed Fund (non-participating)4 - J


2018 0.12






10 years (% p.a.) 0.62 ●Cash 48.6%







Risk: Very low

Capital Guaranteed Cash Fund (Series 5) - VP


2018 0.19






10 years (% p.a.) 0.33 ●Cash 100.0%






Risk: Very Low

Capital Secure Fund (Series 5) - DP


2018 1.77




Indirect Cost Ratio (% p.a.)2: 2 2014 3.54 ●Alternatives°° 12.0%


10 years (% p.a.) 1.66 ●Cash 32.6%







Risk: Low to Medium

63

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Managed Growth Fund - LP


2018 5.49


2016 -0.48 ●Global Shares 28.6%




10 years (% p.a.) 3.25 ●Cash 17.2%






taxes.

Risk: High

64

LifeLink, LifeLink Plus - Series 2 and 37 (LL1, LL2, LLB3)

Return to contents

Managed Growth Fund (Lifelink and Series 2) - LL1, LL2


2018 7.03






10 years (% p.a.) 5.71 ●Cash 17.2%






taxes.

Risk: High

Managed Growth Fund (Series 3) - B


2018 5.72






10 years (% p.a.) 4.48 ●Cash 17.2%






taxes.

Risk: High

65

Managed Investment Plan, Managed Savings Plan7 (MIP1, MIP3, MSP)

Return to contents

Capital Guaranteed Cash Fund (Early Series/Late Series) - OG_PROT, OG_UNPROT


2018 0.26






10 years (% p.a.) 1.21 ●Cash 100.0%






Risk: Very Low

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


2018 6.02






10 years (% p.a.) 4.69 ●Cash 17.2%






taxes.

Risk: High

66

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


2018 0.14






10 years (% p.a.) 1.61 ●Cash 48.6%







Risk: Very low

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


2018 0.15






10 years (% p.a.) 1.66 ●Cash 48.6%







Risk: Very low

Capital Guaranteed Cash Fund (Insurance Bond) - VY


2018 0.14






10 years (% p.a.) 1.10 ●Cash 100.0%






Risk: Very Low

67

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Capital Secure Fund - DA


2018 1.93






10 years (% p.a.) 2.87 ●Cash 32.6%







Risk: Low to Medium

Balanced Fund - MB


2018 5.73






10 years (% p.a.) 4.47 ●Cash 17.2%






taxes.

Risk: High

Managed Growth Fund - LB


2018 5.74






10 years (% p.a.) 4.49 ●Cash 17.2%






taxes.

Risk: High

68

Insurance Bond Series III7 (IB1+)

Capital Guaranteed Fund (non-participating)4 - CGIB1


2018 0.12






10 years (% p.a.) 1.53 ●Cash 48.6%







Risk: Very low

Capital Guaranteed Cash Fund - VY1


2018 0.03






10 years (% p.a.) 0.99 ●Cash 100.0%






Risk: Very Low

Capital Secure Fund - DA1


2018 1.74






10 years (% p.a.) 2.76 ●Cash 32.6%







Risk: Low to Medium

Balanced Fund - MB1


2018 5.32






10 years (% p.a.) 4.24 ●Cash 17.2%






taxes.

Risk: High

69

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Managed Growth Fund - PB1


2018 5.62






10 years (% p.a.) 4.37 ●Cash 17.2%






taxes.

Risk: High

Australian Share Fund - YB1


2018 6.54


2016 -1.79 ●Global Shares 0.0%




10 years (% p.a.) 3.40 ●Cash 0.5%

To provide long term capital growth through investment

in Australian listed company shares. This option may

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

outperform the option’s benchmark over a rolling seven-


Risk: Very high

70

Insurance Bond Series IV7 (IB4, IB4+)

Capital Guaranteed Fund (non-participating)4 - CGIB4


2018 1.50






10 years (% p.a.) 3.48 ●Cash 48.6%







Risk: Very low

Capital Guaranteed Cash Fund - VY4


2018 0.04






10 years (% p.a.) 1.11 ●Cash 100.0%






Risk: Very Low

Australian Fixed Interest Fund - ZB4


2018 -0.28






10 years (% p.a.) 2.59 ●Cash 0.8%





Risk: Medium

Capital Secure Fund - DA4


2018 1.84






10 years (% p.a.) 2.82 ●Cash 32.6%







Risk: Low to Medium

71

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Balanced Fund - MB4


2018 5.83






10 years (% p.a.) 4.46 ●Cash 17.2%






taxes.

Risk: High

Managed Growth Fund - PB4


2018 5.73






10 years (% p.a.) 4.46 ●Cash 17.2%






taxes.

Risk: High

Australian Share Fund - YB4


2018 7.58






10 years (% p.a.) 4.28 ●Cash 0.5%






Risk: Very high

72

Insurance Bond Security Plus7 (IBS+)

Return to contents

Capital Secure Fund - DA


2018 1.93






10 years (% p.a.) 2.87 ●Cash 32.6%







Risk: Low to Medium

73

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


2018 5.74






10 years (% p.a.) 4.49 ●Cash 17.2%






taxes.

Risk: High

74

Superbridge Series II, Superbridge New Series7 (SBIL, SBNS)

Return to contents

Managed Growth Fund - CS


2018 7.78






10 years (% p.a.) 5.93 ●Cash 15.6%






taxes.

Risk: High

75

Superbridge Deferred Annuity, Trustee Superannuation Bond, Superspan Plus Deferred Annuity7 (SB, TSB, SS+)

Capital Guaranteed Fund (non-participating)4 - CGSB, CGTSB


2018 1.14






10 years (% p.a.) 2.44 ●Cash 48.2%







Risk: Very low

Capital Guaranteed Cash Fund - UW


2018 0.62






10 years (% p.a.) 1.81 ●Cash 100.0%






Risk: Very Low

Capital Secure Fund - FG


2018 3.08






10 years (% p.a.) 4.08 ●Cash 29.5%







Risk: Low to Medium

76

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Balanced Fund - NS


2018 7.77






10 years (% p.a.) 5.92 ●Cash 15.6%






taxes.

Risk: High



2018 7.78






10 years (% p.a.) 5.93 ●Cash 15.6%






taxes.

Risk: High

77

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


2018 1.11






10 years (% p.a.) 2.27 ●Cash 48.2%







Risk: Very low

Capital Guaranteed Cash Fund - UW1


2018 0.41






10 years (% p.a.) 1.60 ●Cash 100.0%






Risk: Very Low

Australian Fixed Interest Fund - XS1


2018 -0.22






10 years (% p.a.) 3.89 ●Cash 0.6%





Risk: Medium

Capital Secure Fund - FG1


2018 2.87






10 years (% p.a.) 3.89 ●Cash 29.5%







Risk: Low to Medium

78

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Balanced Fund - NS1


2018 7.56






10 years (% p.a.) 5.70 ●Cash 15.6%






taxes.

Risk: High

Managed Growth Fund - QS1


2018 7.55






10 years (% p.a.) 5.73 ●Cash 15.6%






taxes.

Risk: High

Australian Share Fund - WS1


2018 10.39






10 years (% p.a.) 5.64 ●Cash 0.8%






Risk: Very high

79

Superbridge Deferred Annuity Series IV, Superspan Plus Deferred Annuity Series IV7 (SB4, SS4+)

Capital Guaranteed Fund (non-participating)4 - CGSB4, CGTSB4


2018 1.50






10 years (% p.a.) 3.94 ●Cash 48.2%







Risk: Very low

Capital Guaranteed Cash Fund - UW4


2018 0.43






10 years (% p.a.) 1.62 ●Cash 100.0%






Risk: Very Low

Australian Fixed Interest Fund - XS4


2018 -0.18






10 years (% p.a.) 3.91 ●Cash 0.6%





Risk: Medium

Capital Secure Fund - FG4


2018 2.91






10 years (% p.a.) 3.89 ●Cash 29.5%







Risk: Low to Medium

80

Return to contents

Balanced Fund - NS4


2018 7.66






10 years (% p.a.) 5.74 ●Cash 15.6%






taxes.

Risk: High

Managed Growth Fund - QS4


2018 7.65






10 years (% p.a.) 5.73 ●Cash 15.6%






taxes.

Risk: High

Australian Share Fund - WS4


2018 10.51






10 years (% p.a.) 5.72 ●Cash 0.8%






Risk: Very high

81

SuperSpan Limited Offer, SuperSpan II7 (SSLO, SSII)

Return to contents

Capital Guaranteed Fund (non-participating)4 - CGSSLO


2018 1.11






10 years (% p.a.) 2.31 ●Cash 48.2%







Risk: Very low

82

SuperSpan Limited Offer (Multi Option)7 (SSLOM)

Capital Guaranteed Fund (non-participating)4 - CGSB


2018 1.14






10 years (% p.a.) 2.44 ●Cash 48.2%







Risk: Very low

Capital Guaranteed Cash Fund - UW


2018 0.62






10 years (% p.a.) 1.81 ●Cash 100.0%






Risk: Very Low



2018 3.08






10 years (% p.a.) 4.08 ●Cash 29.5%







Risk: Low to Medium

Balanced Fund - NS


2018 7.77






10 years (% p.a.) 5.92 ●Cash 15.6%






taxes.

Risk: High

83

Return to contents



2018 7.78






10 years (% p.a.) 5.93 ●Cash 15.6%






taxes.

Risk: High

84

SuperSpan II (Multi Option) Deferred Annuity7 (SSIIM)

Return to contents

Capital Guaranteed Cash Fund - UX


2018 0.32






10 years (% p.a.) 0.85 ●Cash 100.0%






Risk: Very Low



2018 3.08






10 years (% p.a.) 4.08 ●Cash 29.5%







Risk: Low to Medium

Balanced Fund - NS


2018 7.77






10 years (% p.a.) 5.92 ●Cash 15.6%






taxes.

Risk: High



2018 7.78






10 years (% p.a.) 5.93 ●Cash 15.6%






taxes.

Risk: High

85

SuperCash Deferred Annuity7 (SC)

Return to contents

Capital Guaranteed Cash Fund - UX


2018 0.32






10 years (% p.a.) 0.85 ●Cash 100.0%






Risk: Very Low

86

Rollover Deferred Annuity, SuperBond7 (RDA, SIB)

Return to contents

Capital Guaranteed Cash Fund - SSGA


2018 0.63






10 years (% p.a.) 1.81 ●Cash 100.0%






Risk: Very Low

Managed Fund - SSMA


2018 7.86






10 years (% p.a.) 5.93 ●Cash 15.6%






taxes.

Risk: High

Capital Guaranteed Fund (non-participating)4 - CGSB


2018 1.14






10 years (% p.a.) 2.44 ●Cash 48.2%







Risk: Very low

87

SuperBond 20007 (S2000)

Return to contents

Capital Guaranteed Cash Fund - SSGB


2018 0.62






10 years (% p.a.) 1.81 ●Cash 100.0%






Risk: Very Low

Managed Growth Fund - SSMB


2018 7.48






10 years (% p.a.) 5.67 ●Cash 15.6%






taxes.

Risk: High

88

TAP Allocated Annuity7 (TAE2E, TAE2E+)

Capital Guaranteed Fund (non-participating)4 - KST2


2018 1.60






10 years (% p.a.) 3.65 ●Cash 47.9%







Risk: Very low

Capital Guaranteed Cash Fund - UWT2


2018 0.92






10 years (% p.a.) 2.23 ●Cash 100.0%






Risk: Very Low

Australian Fixed Interest Fund - XST2


2018 0.38






10 years (% p.a.) 5.07 ●Cash 2.9%





Risk: Medium

Capital Secure Fund - FGT2


2018 3.58






10 years (% p.a.) 4.85 ●Cash 28.5%







Risk: Low to Medium

89

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

Balanced Fund - NST2


2018 8.41






10 years (% p.a.) 6.61 ●Cash 14.4%






taxes.

Risk: High

Managed Growth Fund - QST2


2018 8.41






10 years (% p.a.) 6.58 ●Cash 14.4%






taxes.

Risk: High

Australian Share Fund - WST2


2018 11.90






10 years (% p.a.) 6.42 ●Cash 0.8%






Risk: Very high

Capital Stable Primary Fund (Wealth Portfolio) - CAPS


2018 2.99


2016 -0.91 ●Global Shares 10.7%




10 years (% p.a.) 1.02 ●Cash 29.5%







Risk: Low to Medium

90

Capital Stable Growth Fund (Wealth Portfolio) - CAPGS


2018 2.99






10 years (% p.a.) 3.75 ●Cash 29.5%







Risk: Low to Medium

Capital Stable Growth Plus Fund - CAPGPS


2018 3.18






10 years (% p.a.) 4.16 ●Cash 29.5%







Risk: Low to Medium

Balanced Primary Fund (Wealth Portfolio) - BALS


2018 7.65


2016 -1.83 ●Global Shares 28.6%




10 years (% p.a.) 2.81 ●Cash 15.6%






taxes.

Risk: High

Balanced Growth Fund (Wealth Portfolio) - BALGS


2018 7.65






10 years (% p.a.) 5.58 ●Cash 15.6%






taxes.

Risk: High

91

Balanced Growth Plus Fund - BALGPS


2018 7.89






10 years (% p.a.) 6.02 ●Cash 15.6%






taxes.

Risk: High

Equity Profile Primary Fund (Wealth Portfolio) - EQPS


2018 9.07


2016 -2.29 ●Global Shares 34.5%




10 years (% p.a.) 3.07 ●Cash 10.6%







Risk: High

Equity Profile Growth Fund (Wealth Portfolio) - EQPGS


2018 9.07






10 years (% p.a.) 5.85 ●Cash 10.6%







Risk: High

92

Return to contents

Equity Profile Growth Plus Fund - EQPGPS


2018 9.40






10 years (% p.a.) 6.31 ●Cash 10.6%







Risk: High

Capital Guaranteed - CGSUP5


2018 4.14






10 years (% p.a.) 4.30 ●Cash 47.5%







Risk: Very low

Capital Guaranteed (Wealth Portfolio) - CGSUP1


2018 4.14






10 years (% p.a.) 4.30 ●Cash 47.5%







Risk: Very low

93

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

Equity Link Balanced Fund - PLAN6S


2018 0.00






10 years (% p.a.) 4.52 ●Cash 15.6%






taxes.

Risk: High

Pru-Plan Unit Linked Balanced Fund - PLAN5S


2018 7.40






10 years (% p.a.) 5.55 ●Cash 15.6%






taxes.

Risk: High

Capital Stable Growth Fund - CAPGS


2018 2.99






10 years (% p.a.) 3.75 ●Cash 29.5%







Risk: Low to Medium

94

Return to contents

Equity Profile Growth Fund - EQPGS


2018 9.07






10 years (% p.a.) 5.85 ●Cash 10.6%







Risk: High



2018 4.14






10 years (% p.a.) 4.30 ●Cash 47.5%







Risk: Very low

95

Pruplan Plus (PRUPLAN+)

Capital Stable Growth Plus Fund - CAPGPS


2018 3.18






10 years (% p.a.) 4.16 ●Cash 29.5%







Risk: Low to Medium

Capital Stable Growth Fund - CAPGS


2018 2.99






10 years (% p.a.) 3.75 ●Cash 29.5%







Risk: Low to Medium

Balanced Growth Plus Fund - BALGPS


2018 7.89






10 years (% p.a.) 6.02 ●Cash 15.6%






taxes.

Risk: High

Balanced Growth Fund - BALGS


2018 7.65






10 years (% p.a.) 5.58 ●Cash 15.6%






taxes.

Risk: High

96

Equity Profile Growth Plus Fund - EQPGPS


2018 9.40






10 years (% p.a.) 6.31 ●Cash 10.6%







Risk: High

Equity Profile Growth Fund - EQPGS


2018 9.07






10 years (% p.a.) 5.85 ●Cash 10.6%







Risk: High



2018 4.14






10 years (% p.a.) 4.30 ●Cash 47.5%







Risk: Very low

97

Return to contents

Capital Guaranteed - Primary - CGSUP2


2018 1.15






10 years (% p.a.) 1.30 ●Cash 47.5%







Risk: Very low



2018 4.14






10 years (% p.a.) 4.30 ●Cash 47.5%







Risk: Very low

98

Pruplan (MK1 and MK2) (PRUPLAN1, PRUPLAN2)

Return to contents



2018 4.14






10 years (% p.a.) 4.30 ●Cash 47.5%







Risk: Very low

Capital Guaranteed (MK2) - CGSUP3


2018 0.00






10 years (% p.a.) 0.06 ●Cash 47.5%







Risk: Very low



2018 4.14






10 years (% p.a.) 4.30 ●Cash 47.5%







Risk: Very low

99

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

Return to contents



2018 4.14






10 years (% p.a.) 4.30 ●Cash 47.5%







Risk: Very low

100

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

Balanced Fund - BOND5S


2018 7.90






10 years (% p.a.) 6.03 ●Cash 15.6%






taxes.

Risk: High

Capital Guaranteed Cash Fund - SCPFSG


2018 0.73






10 years (% p.a.) 1.92 ●Cash 100.0%






Risk: Very Low

Capital Stable Fund - SCPSSG


2018 3.18






10 years (% p.a.) 4.19 ●Cash 29.5%







Risk: Low to Medium

101

Return to contents

Equity Profile Fund - SEPSG


2018 9.41






10 years (% p.a.) 6.32 ●Cash 10.6%







Risk: High



2018 4.14






10 years (% p.a.) 4.30 ●Cash 47.5%







Risk: Very low

102

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

Balanced Fund - BALI-S


2018 7.41






10 years (% p.a.) 5.55 ●Cash 15.6%






taxes.

Risk: High

Capital Guaranteed Cash Fund - CAPFSG


2018 0.50






10 years (% p.a.) 1.48 ●Cash 100.0%






Risk: Very Low

Capital Stable Fund ('91) - CAPSSG


2018 2.72






10 years (% p.a.) 3.72 ●Cash 29.5%







Risk: Low to Medium

Equity Profile Fund - EPSG


2018 8.91






10 years (% p.a.) 5.84 ●Cash 10.6%







Risk: High

103

Return to contents



2018 4.14






10 years (% p.a.) 4.30 ●Cash 47.5%







Risk: Very low

104

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


2018 0.73






10 years (% p.a.) 1.92 ●Cash 100.0%






Risk: Very Low

Capital Stable Fund ('91) - SCPSSG


2018 3.18






10 years (% p.a.) 4.19 ●Cash 29.5%







Risk: Low to Medium

Capital Stable Fund ('92) - SCS2SG


2018 3.18






10 years (% p.a.) 4.18 ●Cash 29.5%







Risk: Low to Medium

Balanced Fund - SBALSG


2018 7.89






10 years (% p.a.) 6.03 ●Cash 15.6%






taxes.

Risk: High

105

Return to contents

Equity Profile Fund - SEPSG


2018 9.41






10 years (% p.a.) 6.32 ●Cash 10.6%







Risk: High

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


2018 4.14






10 years (% p.a.) 4.30 ●Cash 47.5%







Risk: Very low

106

Roll-over Plan ('91 and '92), Superannuation Bond ('91 and '92)7,8 (ROLLOVER, ROLLOVER92, BOND-S, BOND-S92)

Balanced Fund - BALASG


2018 7.41






10 years (% p.a.) 5.56 ●Cash 15.6%






taxes.

Risk: High

Capital Guaranteed Cash Fund - CAPFSG


2018 0.50






10 years (% p.a.) 1.48 ●Cash 100.0%






Risk: Very Low

Capital Stable Fund ('91) - CAPSSG


2018 2.72






10 years (% p.a.) 3.72 ●Cash 29.5%







Risk: Low to Medium

Capital Stable Fund ('92) - CS2SG


2018 2.73






10 years (% p.a.) 3.72 ●Cash 29.5%







Risk: Low to Medium

107

Return to contents

Equity Profile Fund - EPSG


2018 8.91






10 years (% p.a.) 5.84 ●Cash 10.6%







Risk: High



2018 4.14






10 years (% p.a.) 4.30 ●Cash 47.5%







Risk: Very low

108

Rollover Bond 937,8 (ROLLOVER93)

Cash Fund - FI93SG


2018 0.50






10 years (% p.a.) 1.38 ●Cash 100.0%






Risk: Very Low

Capital Stable Fund - CS93SG


2018 2.62






10 years (% p.a.) 3.62 ●Cash 29.5%







Risk: Low to Medium

Balanced Fund - B93SG


2018 7.31






10 years (% p.a.) 5.45 ●Cash 15.6%






taxes.

Risk: High

Equity Profile Fund - EP93SG


2018 8.80






10 years (% p.a.) 5.74 ●Cash 10.6%







Risk: High

109

Return to contents



2018 4.14






10 years (% p.a.) 4.30 ●Cash 47.5%







Risk: Very low

110

Personal SuperCARE Bond (PSCB), Personal SuperCARE (PSC), SuperGuaranteeCARE (SGC)8

Return to contents

Capital Guaranteed Fund (non-participating) (PSCB and PSC)4 - PC


2018 1.45






10 years (% p.a.) 1.75 ●Cash 48.2%







Risk: Very low

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


2018 1.45






10 years (% p.a.) 1.75 ●Cash 48.2%







Risk: Very low

111

Retirement Saver, Retirement Saver Series 2, Retirement Saver Plus8 (RETIREMENT, RETIREMENT2, RETIREPLUS)

Capital Guaranteed Fund (non-participating)4 - BK


2018 1.06






10 years (% p.a.) 2.47 ●Cash 48.2%







Risk: Very low

Capital Guaranteed Cash Fund - UK


2018 0.69






10 years (% p.a.) 1.43 ●Cash 100.0%






Risk: Very Low

Capital Secure Fund - FK


2018 2.71






10 years (% p.a.) 3.66 ●Cash 29.5%







Risk: Low to Medium

112

Return to contents

Balanced Fund - NK


2018 7.42






10 years (% p.a.) 5.50 ●Cash 15.6%






taxes.

Risk: High

Managed Growth Fund (Retirement Saver) - CK


2018 7.40






10 years (% p.a.) 5.52 ●Cash 15.6%






taxes.

Risk: High

Managed Growth Fund (Series 2 and Plus) - QK


2018 7.39






10 years (% p.a.) 5.51 ●Cash 15.6%






taxes.

Risk: High

113

SuperWise - Series 4 and 58 (SUPERWISE4, SUPERWISE5)

Capital Guaranteed Fund (non-participating)4 - K


2018 1.44






10 years (% p.a.) 1.77 ●Cash 48.2%







Risk: Very low

Capital Guaranteed Cash Fund (Series 5) - UQ


2018 0.68






10 years (% p.a.) 0.73 ●Cash 100.0%






Risk: Very Low

Capital Secure Fund (Series 5) - FQ


2018 2.75






10 years (% p.a.) 2.77 ●Cash 29.5%







Risk: Low to Medium

114

Return to contents

Managed Growth Fund - CQ


2018 7.38






10 years (% p.a.) 4.59 ●Cash 15.6%






taxes.

Risk: High

115

SuperLink, SuperLink Plus - Series 2 and 38 (SL1, SL2, SLS3)

Return to contents

Managed Growth Fund (Superlink and Series 2) - CL


2018 8.93






10 years (% p.a.) 6.99 ●Cash 15.6%






taxes.

Risk: High

Managed Growth Fund (Series 3) - S


2018 7.78






10 years (% p.a.) 5.88 ●Cash 15.6%






taxes.

Risk: High

116

Managed Investment SuperPlan – Corporate, Managed Investment SuperPlan, Managed Personal SuperPlan7 (MISPC, MIP1, MIP3, MISPP)

Return to contents

Capital Guaranteed Cash Fund (Early Series/Late Series) - SG_PROT, SG_UNPROT


2018 0.62






10 years (% p.a.) 1.82 ●Cash 100.0%






Risk: Very Low

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


2018 7.84






10 years (% p.a.) 5.94 ●Cash 15.6%






taxes.

Risk: High

117

SuperUnits8 (SU)

Return to contents

Managed Growth Fund - SU


2018 8.93






10 years (% p.a.) 7.00 ●Cash 15.6%






taxes.

Risk: High

118

CPSL Master Fund Superannuation7 (PRUES)

Capital Safe Fund - SCAPSF, SCAPSF03


2018 4.00






10 years (% p.a.) 5.00 ●Cash 29.5%







Risk: Low to Medium

Capital Guaranteed Fund (non-participating)4 - SCOLFG


2018 2.14






10 years (% p.a.) 3.44 ●Cash 48.2%







Risk: Very low

Capital Guaranteed Fund (participating)3,4 - SCPGTD


2018 5.19






10 years (% p.a.) 5.82 ●Cash 47.5%







Risk: Very low

119

Balanced Fund - SDISCR


2018 8.76






10 years (% p.a.) 6.86 ●Cash 15.6%






taxes.

Risk: High

Growth Fund - SGRWTH


2018 10.28






10 years (% p.a.) 7.10 ●Cash 10.6%







Risk: High

Capital Guaranteed Cash Fund - SPACAS


2018 1.94






10 years (% p.a.) 3.10 ●Cash 100.0%






Risk: Very Low

Australian Equity Fund - SPAEQU


2018 11.66






10 years (% p.a.) 6.84 ●Cash 0.8%






Risk: Very high

120

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Australian Fixed Interest Fund - SPAFIX


2018 0.98






10 years (% p.a.) 5.09 ●Cash 0.6%





Risk: Medium

International Equity Fund - SPIEQU


2018 15.21


2016 -1.49 ●Global Shares 99.3%




10 years (% p.a.) 8.64 ●Cash 0.7%

To provide long-term capital growth through investment

in global listed company shares. This option may have a

high level of short to medium-term volatility. To



Risk: Very high

121

CPSL Wholesale Exempt Business7 (PRUINO)

Capital Safe Fund - ECAPSF, ECAPSF03, FECAPSF


2018 4.69






10 years (% p.a.) 5.97 ●Cash 28.5%







Risk: Low to Medium

Capital Guaranteed Fund (participating)3,4 - ECPGTD, FECPGTD


2018 7.50






10 years (% p.a.) 6.82 ●Cash 2.5%







Risk: Very low

Balanced Fund - EDISCR, FEDISCR


2018 9.58






10 years (% p.a.) 7.75 ●Cash 14.4%






taxes.

Risk: High

122

Growth Fund - EGRWTH, FEGRWTH


2018 11.28






10 years (% p.a.) 7.95 ●Cash 9.7%







Risk: High

Capital Guaranteed Cash Fund - EPACAS, FEPACAS


2018 2.27






10 years (% p.a.) 3.65 ●Cash 100.0%






Risk: Very Low

Australian Equity Fund - EPAEQU, FEPAEQU


2018 13.10






10 years (% p.a.) 7.57 ●Cash 0.8%






Risk: Very high

Australian Fixed Interest Fund - EPAFIX, FEPAFIX


2018 1.55






10 years (% p.a.) 6.29 ●Cash 2.9%





Risk: Medium

123

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Property Fund - EPAPRO


2018 5.79






10 years (% p.a.) 5.18 ●Cash 0.0%

To provide long-term capital growth and income from a

diversified portfolio of global listed property investments.

To outperform the option’s benchmark over a rolling

seven-year period before fees and taxes.

Risk: Very high

International Equity Fund - EPIEQU, FEPIEQU


2018 15.95


2016 -1.56 ●Global Shares 99.3%




10 years (% p.a.) 9.75 ●Cash 0.7%






Risk: Very high

124

CPSL Wholesale Non Superannuation Business7 (PRUINO)

Return to contents

Balanced Fund - ODISCR


2018 6.90






10 years (% p.a.) 5.57 ●Cash 17.2%






taxes.

Risk: High

125

Personal Super Umbrella Investment Plan7,8 and Personal Super Umbrella Financial Plan7,8 (X10, X11, X12)

Capital Guaranteed Cash Fund - 2CSU

Objective and strategy Investment performance – Yearly returns to 30 June (%)

Initial Units Investment Units

2018 0.55 0.56

2017 -6.2 0.26 ●Australian Shares 0.0%

2016 -6.07 0.44 ●Global Shares 0.0%

2015 -5.8 0.68 ●Listed Property 0.0%

Indirect Cost Ratio (% p.a.)2: 1.58

Initial units: 1.58

Investment Units:

2014 -5.93 0.59 ●Alternatives 0.0%

5 years (% p.a.) -4.73 0.50 ●Fixed Interest 0.0%

10 years (% p.a.) -4.52 1.39 ●Cash 100.0%Risk: Very Low


To provide the highest level of security with income

from investments in money market securities. The

option aims to outperform the returns of the

Australian Money Markets as measured by the

Bloomberg AusBond Bank Bill Index before fees

and taxes.

Capital Guaranteed Fund3 - 1SUU



2018 -0.69 5.30


2016 -0.7 5.31 ●Global Shares 11.4%

2015 -0.4 5.63 ●Listed Property 0.0%


Initial units: 7.55

Investment Units:

2014 -0.7 5.34 ●Alternatives 9.7%


10 years (% p.a.) -0.64 5.37 ●Cash 47.5%Risk: Very low



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.

Fixed Interest Fund - 2FIU



2018 -0.44 -0.42

2017 -6.53 -0.21 ●Australian Shares 0.0%

2016 -2.84 3.77 ●Global Shares 0.0%

2015 -4.01 2.51 ●Listed Property 0.0%


Initial units: 2.03

Investment Units:

2014 -2.1 4.57 ●Alternatives 0.0%


10 years (% p.a.) -2.4 3.54 ●Cash 0.6%Risk: Medium




outperform the option’s composite benchmark over

a rolling three-year period before fees and taxes.

126

Property Fund - 2PRU



2018 5.13 5.13


2016 1.77 8.40 ●Global Shares 0.0%

2015 2.95 9.63 ●Listed Property 100.2%


Initial units: 2.38

Investment Units:

2014 2.63 9.34 ●Alternatives 0.0%

5 years (% p.a.) 1.42 6.67 ●Fixed Interest 0.0%

10 years (% p.a.) -2.32 3.37 ●Cash -0.2%Risk: Very high


To provide long-term capital growth and income

from a diversified portfolio of global listed property

investments. To outperform the option’s benchmark

over a rolling seven-year period before fees and

taxes.

Stable Fund - 2STU



2018 2.6 2.60


2016 -4.5 1.83 ●Global Shares 10.7%

2015 -2.33 4.12 ●Listed Property 0.0%


Initial units: 2.15

Investment Units:

2014 -0.71 5.89 ●Alternatives 13.5%


10 years (% p.a.) -2.4 3.39 ●Cash 29.5%Risk: Low to Medium


To invest in a diversified portfolio of assets

expected to generate a mix of income and long-

term captial growth with an emphasis on stable

returns and a reasonably high level of security. To

achieve a return of Consumer Price Index (CPI)

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

before fees and taxes.

Managed Fund - 2MGU



2018 7.24 7.23

2017 2.13 8.88 ●Australian Shares 29.3%

2016 -5.39 0.89 ●Global Shares 28.6%

2015 0.88 7.54 ●Listed Property 0.0%


Initial units: 2.26

Investment Units:

2014 4.62 11.57 ●Alternatives 18.2%


10 years (% p.a.) -0.68 5.21 ●Cash 15.6%Risk: High



expected to generate a mix of long-term capital

growth and income, but which may be volatile in

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

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

a rolling six-year period before fees and taxes.

127

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Australian Equities Fund - 2EQU



2018 10 10.00


2016 -7.35 -1.31 ●Global Shares 0.0%

2015 -2.87 3.44 ●Listed Property 0.0%


Initial units: 2.23

Investment Units:

2014 7.49 14.51 ●Alternatives 0.0%


10 years (% p.a.) -0.69 5.10 ●Cash 0.8%Risk: Very high


To provide long term capital growth through

investment in Australian listed company shares.

This option may have a high level of short to

medium-term volatility. To outperform the option’s

benchmark over a rolling seven-year period


International Equities Fund - 2INU



2018 13.39 13.40


2016 -8.91 -2.98 ●Global Shares 99.3%

2015 5.86 12.75 ●Listed Property 0.0%


Initial units: 2.29

Investment Units:

2014 9.5 16.65 ●Alternatives 0.0%


10 years (% p.a.) 1 6.89 ●Cash 0.7%Risk: Very high


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



128

Colonial Rollover Bond7, Personal Super Investment Growth Bond7,8 and Super Investment Growth Bond7,8 and Super Investment Growth Bond7,8 (E05, E06, E10, E03, E04, E01, E02)

Capital Guaranteed Cash Fund - 2CSH


2018 0.43






10 years (% p.a.) 1.62 ●Cash 100.0%






Risk: Very Low

Capital Guaranteed Fund - 1SUP


2018 5.57






10 years (% p.a.) 5.98 ●Cash 47.5%







Risk: Very low

Fixed Interest Fund - 2FIX


2018 -0.33






10 years (% p.a.) 3.75 ●Cash 0.6%





Risk: Medium

129

Property Fund - 2PRP


2018 5.23






10 years (% p.a.) 3.62 ●Cash -0.2%





Risk: Very high

Stable Fund - 2STB


2018 2.64






10 years (% p.a.) 3.64 ●Cash 29.5%







Risk: Low to Medium

Consensus Stable Fund - 2CST


2018 2.70






10 years (% p.a.) 3.80 ●Cash 30.6%







Risk: Low to Medium

Managed Fund - 2MGD


2018 7.35






10 years (% p.a.) 5.47 ●Cash 15.6%






taxes.

Risk: High

130

Return to contents

Consensus Managed Fund - 2CMG


2018 7.48






10 years (% p.a.) 5.69 ●Cash 16.6%






taxes.

Risk: High

Australian Equities Fund - 2EQY


2018 10.14






10 years (% p.a.) 5.35 ●Cash 0.8%






Risk: Very high

International Equities Fund - 2INT


2018 13.61


2016 -2.74 ●Global Shares 99.3%




10 years (% p.a.) 7.14 ●Cash 0.7%






Risk: Very high

131

Colonial Rollover Deposit Plan (E09)

Return to contents

Capital Guaranteed Fund3 - 1SUP


2018 5.57






10 years (% p.a.) 5.98 ●Cash 47.5%







Risk: Very low

132

SGIC Personal Superannuation Bond8 (ED3, EE3, EG3)

Capital Guaranteed Cash Fund - 7SCA


2018 0.49






10 years (% p.a.) 1.62 ●Cash 100.0%






Risk: Very Low

Capital Guaranteed Fund4,9 - 6SBD


2018 2.22






10 years (% p.a.) 3.89 ●Cash 48.2%







Risk: Very low

Capital Guaranteed Fund4 - 6SCG


2018 2.02






10 years (% p.a.) 3.70 ●Cash 48.2%







Risk: Very low

133

Fixed Interest Fund - 7SFI


2018 -0.18






10 years (% p.a.) 3.91 ●Cash 0.6%





Risk: Medium

Property Fund - 7SPF


2018 5.59






10 years (% p.a.) 3.99 ●Cash -0.2%





Risk: Very high

Managed Fund - 7SMN


2018 7.62






10 years (% p.a.) 5.73 ●Cash 15.6%






taxes.

Risk: High

Australian Equities Fund - 7SAE


2018 10.45






10 years (% p.a.) 5.70 ●Cash 0.8%






Risk: Very high

134

International Equities Fund - 7SIE


2018 13.98


2016 -2.39 ●Global Shares 99.3%




10 years (% p.a.) 7.51 ●Cash 0.7%






Risk: Very high

Capital Protected Fund - December - 7SP1


2018 0.19






10 years (% p.a.) 1.54 ●Cash 100.0%






Risk: Very Low

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


2018 0.20






10 years (% p.a.) 1.54 ●Cash 100.0%






Risk: Very Low

Capital Protected Fund – June - 7SP3


2018 0.20






10 years (% p.a.) 1.54 ●Cash 100.0%






Risk: Very Low

135

Return to contents

Capital Protected Fund - September - 7SP4


2018 0.20






10 years (% p.a.) 1.54 ●Cash 100.0%






Risk: Very Low

136

SGIC Rollover Deposit Plan7 (EC3, EF3)

Capital Guaranteed Cash Fund - 7RCA


2018 0.49






10 years (% p.a.) 1.62 ●Cash 100.0%






Risk: Very Low

Capital Guaranteed Fund4 - 6RCG


2018 2.02






10 years (% p.a.) 3.70 ●Cash 48.2%







Risk: Very low

Fixed Interest Fund - 7RFI


2018 -0.18






10 years (% p.a.) 3.91 ●Cash 0.6%





Risk: Medium

137

Property Fund - 7RPF


2018 5.59






10 years (% p.a.) 3.99 ●Cash -0.2%





Risk: Very high

Managed Fund - 7RMN


2018 7.62






10 years (% p.a.) 5.73 ●Cash 15.6%






taxes.

Risk: High

Australian Equities Fund - 7RAE


2018 10.45






10 years (% p.a.) 5.70 ●Cash 0.8%






Risk: Very high

International Equities Fund - 7RIE


2018 13.98


2016 -2.39 ●Global Shares 99.3%




10 years (% p.a.) 7.51 ●Cash 0.7%






Risk: Very high

138

Return to contents

Capital Protected Fund - December - 7RP1


2018 0.19






10 years (% p.a.) 1.54 ●Cash 100.0%






Risk: Very Low

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


2018 0.20






10 years (% p.a.) 1.54 ●Cash 100.0%






Risk: Very Low

Capital Protected Fund – June - 7RP3


2018 0.20






10 years (% p.a.) 1.54 ●Cash 100.0%






Risk: Very Low

Capital Protected Fund - September - 7RP4


2018 0.20






10 years (% p.a.) 1.54 ●Cash 100.0%






Risk: Very Low

139

Ex Legal and General Capital Guaranteed products

Retirement Investment Plan7,8,3 (W01)

Colonial Retirement Accumulation Plan (W02)

Return to contents

Table 60 and 80 - 1RIP


2018 4.70






10 years (% p.a.) 4.84 ●Cash 47.5%







Risk: Very low

Table 62 and Plus - 1RAP


2018 5.59






10 years (% p.a.) 5.74 ●Cash 47.5%







Risk: Very low

Retirement Accumulation Plan7,8,3 (W02) - 1RAP


2018 5.59






10 years (% p.a.) 5.74 ●Cash 47.5%







Risk: Very low

140

Colonial Private Trustee (W04)

Return to contents

Private Trustee Superannuation7,3 (W04) - 1LUS


2018 5.60






10 years (% p.a.) 5.74 ●Cash 47.5%







Risk: Very low

141

Life Umbrella8,3 Superannuation (W03)

Return to contents

Superannuation (W03) - 1LUS


2018 5.60






10 years (% p.a.) 5.74 ●Cash 47.5%







Risk: Very low

142

SGIC Capital Guaranteed products

Return to contents

Colonial Rollover Bond4,7 (EA3) - 6ROL


2018 2.02






10 years (% p.a.) 3.70 ●Cash 48.2%







Risk: Very low

Money Plan Super4,8 (WA3) - 6SMY


2018 2.22






10 years (% p.a.) 3.89 ●Cash 48.2%







Risk: Very low

Colonial Rollover Bond4,7 (EB3) - 6RNF


2018 1.67






10 years (% p.a.) 3.38 ●Cash 48.2%







Risk: Very low

143

Colonial Living Money7,8 (E07, E08)



2018 0.78






10 years (% p.a.) 2.16 ●Cash 100.0%






Risk: Very Low



2018 0.24






10 years (% p.a.) 4.92 ●Cash 2.9%





Risk: Medium



2018 5.82






10 years (% p.a.) 4.31 ●Cash 0.0%





Risk: Very high

Stable Fund - 4STB


2018 3.35






10 years (% p.a.) 4.59 ●Cash 28.5%







Risk: Low to Medium

144

Consensus Stable Fund - 4CST


2018 3.44






10 years (% p.a.) 4.86 ●Cash 32.3%







Risk: Low to Medium

Managed Fund - 4MGD


2018 8.11






10 years (% p.a.) 6.34 ●Cash 14.4%






taxes.

Risk: High

Consensus Managed Fund - 4CMG


2018 8.40






10 years (% p.a.) 6.85 ●Cash 15.7%






taxes.

Risk: High



2018 11.58






10 years (% p.a.) 6.08 ●Cash 0.8%






Risk: Very high

145

Return to contents



2018 14.36


2016 -3.00 ●Global Shares 99.3%




10 years (% p.a.) 8.21 ●Cash 0.7%






Risk: Very high

146

SGIC Retirement Plus Account8 (FA3, FB3)

Capital Guaranteed Cash Fund - 9ACA


2018 1.01






10 years (% p.a.) 2.38 ●Cash 100.0%






Risk: Very Low

Capital Guaranteed Fund4 - 6ACG


2018 2.44






10 years (% p.a.) 4.67 ●Cash 47.9%







Risk: Very low

Property Fund - 9APF


2018 6.39






10 years (% p.a.) 4.84 ●Cash 0.0%





Risk: Very high

Managed Fund - 9AMN


2018 8.63






10 years (% p.a.) 6.76 ●Cash 14.4%






taxes.

Risk: High

147

Australian Equities Fund - 9AAE


2018 12.10






10 years (% p.a.) 6.58 ●Cash 0.8%






Risk: Very high

International Equities Fund - 9AIE


2018 14.84


2016 -2.54 ●Global Shares 99.3%




10 years (% p.a.) 8.73 ●Cash 0.7%






Risk: Very high

Capital Protected Fund - December - 9AP1


2018 0.74






10 years (% p.a.) 2.28 ●Cash 100.0%






Risk: Very Low

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


2018 0.71






10 years (% p.a.) 2.28 ●Cash 100.0%






Risk: Very Low

148

Return to contents

Capital Protected Fund – June - 9AP3


2018 0.70






10 years (% p.a.) 2.28 ●Cash 100.0%






Risk: Very Low

Capital Protected Fund - September - 9AP4


2018 0.70






10 years (% p.a.) 2.28 ●Cash 100.0%






Risk: Very Low

149

Umbrella Investment Plan7, Umbrella Financial Plan7, Investment Growth Bond7 (T10, T11, T12, A01, A02, A03, A04, A05)




2018 0.44 0.45


2016 -6.18 0.67 ●Global Shares 0.0%

2015 -5.98 0.89 ●Listed Property 0.0%


Initial units: 1.31

Investment Units:

2014 -6.07 0.82 ●Alternatives 0.0%


10 years (% p.a.) -4.91 1.31 ●Cash 100.0%Risk: Very Low


To provide the highest level of security with income

from investments in money market securities. The

option aims to outperform the returns of the

Australian Money Markets as measured by the

Bloomberg AusBond Bank Bill Index before fees

and taxes.

Capital Guaranteed Fund3 - 1ORD



2018 -2.86 2.99


2016 -2.68 3.21 ●Global Shares 11.0%

2015 -2.39 3.53 ●Listed Property 0.0%


Initial units: 7.16

Investment Units:

2014 -2.39 3.54 ●Alternatives 9.1%


10 years (% p.a.) -2.72 3.16 ●Cash 47.7%Risk: Very low



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.

Consensus Stable Fund11 - 3CST



2018 2.24



2015 3.62 ●Listed Property 0.0%


Initial units:

Investment Units:

2014 4.97 ●Alternatives 12.2%

5 years (% p.a.) 3.06 ●Fixed Interest 34.2%

10 years (% p.a.) 3.11 ●Cash 31.9%Risk: Low to Medium









150

Consensus Managed Fund11 - 3CMG



2018 5.68



2015 6.65 ●Listed Property 0.0%


Initial units:

Investment Units:

2014 10.14 ●Alternatives 16.8%

5 years (% p.a.) 6.10 ●Fixed Interest 8.2%

10 years (% p.a.) 4.62 ●Cash 17.1%Risk: High











2018 -0.13 -0.11

2017 -6.97 -0.08 ●Australian Shares 0.0%

2016 -4.04 3.09 ●Global Shares 0.0%

2015 -4.89 2.15 ●Listed Property 0.0%


Initial units: 1.66

Investment Units:

2014 -3.31 3.91 ●Alternatives 0.0%


10 years (% p.a.) -3.63 2.78 ●Cash 0.8%Risk: Medium




outperform the option’s composite benchmark over

a rolling three-year period before fees and taxes.




2018 3.98 3.98


2016 -0.35 7.06 ●Global Shares 0.0%

2015 0.15 7.58 ●Listed Property 100.1%


Initial units: 2.06

Investment Units:

2014 0.13 7.59 ●Alternatives 0.0%


10 years (% p.a.) -3.13 3.31 ●Cash -0.1%Risk: Very high


To provide long-term capital growth and income

from a diversified portfolio of global listed property

investments. To outperform the option’s benchmark

over a rolling seven-year period before fees and

taxes.

151

Stable Fund - 3STB



2018 2.09 2.10


2016 -5.28 1.76 ●Global Shares 10.6%

2015 -3.5 3.66 ●Listed Property 0.0%


Initial units: 1.66

Investment Units:

2014 -2.29 5.01 ●Alternatives 12.0%


10 years (% p.a.) -3.41 3.01 ●Cash 32.6%Risk: Low to Medium









Managed Fund - 3MGD



2018 5.73 5.71


2016 -6.12 0.87 ●Global Shares 28.6%

2015 -0.95 6.38 ●Listed Property 0.0%


Initial units: 1.92

Investment Units:

2014 1.96 9.56 ●Alternatives 16.9%


10 years (% p.a.) -1.97 4.55 ●Cash 17.2%Risk: High











2018 7.63 7.63


2016 -7.72 -0.86 ●Global Shares 0.0%

2015 -3.91 3.21 ●Listed Property 0.0%


Initial units: 1.82

Investment Units:

2014 4 11.75 ●Alternatives 0.0%




To provide long term capital growth through

investment in Australian listed company shares.

This option may have a high level of short to

medium-term volatility. To outperform the option’s



152

Return to contents




2018 11.56 11.55


2016 -9.39 -2.65 ●Global Shares 99.2%

2015 3.77 11.45 ●Listed Property 0.0%


Initial units: 2.14

Investment Units:

2014 5.34 13.18 ●Alternatives 0.0%




To provide long-term capital growth through

investment in global listed company shares. This

option may have a high level of short to medium-

term volatility. To outperform the option’s



153

Investment Growth Bond7 (A06)

NC - Cash - 3NCS


2018 0.91






10 years (% p.a.) 0.00 ●Cash 100.0%






Risk: Very Low

NC - Global Fixed Interest - 3NFI


2018 0.30






10 years (% p.a.) 0.00 ●Cash 0.8%





Risk: Medium

NC - Global Property - 3NPR


2018 3.95






10 years (% p.a.) 0.00 ●Cash -0.1%





Risk: Very high

NC - Australian Shares - 3NAU


2018 8.03






10 years (% p.a.) 0.00 ●Cash 0.5%






Risk: Very high

154

NC - International Shares - 3NIN


2018 11.93


2016 -2.39 ●Global Shares 99.2%




10 years (% p.a.) 0.00 ●Cash 0.8%






Risk: Very high

NC - Conservative - 3NCO


2018 2.40






10 years (% p.a.) 0.00 ●Cash 32.6%







Risk: Low to Medium

NC - Diversified - 3NDI


2018 3.85






10 years (% p.a.) 0.00 ●Cash 23.8%


generate a mix of long-term capital growth and income

with a moderate level of security and relatively stable

returns. To achieve a return of Consumer Price Index

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


Risk: Medium to high

NC - Balanced - 3NBA


2018 6.08






10 years (% p.a.) 0.00 ●Cash 17.2%






taxes.

Risk: High

155

Return to contents

NC - Growth - 3NGR


2018 6.87






10 years (% p.a.) 0.00 ●Cash 12.5%







Risk: High

156

SGIC Personal Investment Bond7 (AA3, AG3, AH3)

Capital Guaranteed Cash Fund - 8BCA


2018 0.06






10 years (% p.a.) 1.03 ●Cash 100.0%






Risk: Very Low

Capital Guaranteed Fund7 - 6BON


2018 1.13






10 years (% p.a.) 2.81 ●Cash 48.6%







Risk: Very low

Capital Guaranteed Fund4,9 - 6BCG


2018 0.88






10 years (% p.a.) 2.58 ●Cash 48.6%







Risk: Very low

157

Property Fund - 8BPF


2018 4.07






10 years (% p.a.) 3.28 ●Cash -0.1%





Risk: Very high

Managed Fund - 8BMN


2018 5.74






10 years (% p.a.) 4.44 ●Cash 17.2%






taxes.

Risk: High

Australian Equities Fund - 8BAE


2018 7.58






10 years (% p.a.) 4.33 ●Cash 0.5%






Risk: Very high

International Equities Fund - 8BIE


2018 11.90


2016 -2.50 ●Global Shares 99.2%




10 years (% p.a.) 6.20 ●Cash 0.8%






Risk: Very high

158

Return to contents

Capital Protected Fund - December - 8BP1


2018 -0.16






10 years (% p.a.) 0.92 ●Cash 100.0%






Risk: Very Low

Capital Protected Fund – June - 8BP3


2018 -0.20






10 years (% p.a.) 0.92 ●Cash 100.0%






Risk: Very Low

Capital Protected Fund - September - 8BP4


2018 -0.19






10 years (% p.a.) 0.95 ●Cash 100.0%






Risk: Very Low

159

Colonial Life Umbrella3,7 (S03 - ex Legal and General Capital Guaranteed product)

Return to contents

160

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

Return to contents

Ordinary Passbook Rate - 6HIN


2018 0.58






10 years (% p.a.) 1.91 ●Cash 48.6%







Risk: Very low

Ordinary Funeral Bond - 6FNR


2018 0.58






10 years (% p.a.) 1.76 ●Cash 48.6%







Risk: Very low

Money Plan Ordinary - 6MNY


2018 1.13






10 years (% p.a.) 2.81 ●Cash 48.6%







Risk: Very low

161

Colonial Select Personal Superannuation8 & CPSL MasterFund Superannuation8 & Personal Superannuation Portfolio8,5

Multi-Manager Global Share Fund - SXCMOE


2018 15.44


2016 -5.49 ●Global Shares 95.0%



Risk: Very High 5 years (% p.a.) 13.28 ●Fixed Interest°°° 0.0%

Minimum Suggested Timeframe: 7 years 10 years (% p.a.) 6.77 ●Cash 5.0%

To provide long-term capital growth from a diversified

portfolio of global shares. To outperform the MSCI All

Country World Index over rolling three-year periods


MFS Global Equity Option - SXAMOE


2018 8.58


2016 -0.41 ●Global Shares 98.0%





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.

Pendal Core Global Share Option* - SXROOE


2018 14.08


2016 -3.78 ●Global Shares 98.9%





To provide a portfolio of international investments that

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

exceeds the MSCI World (ex Australia) Index over

rolling three-year periods.

162

Colonial First State Wholesale Geared Global Share Fund - SXFSGG


2018 21.17


2016 -8.98 ●Global Shares 94.7%





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.

Colonial First State Wholesale Global Resources Fund - SXFSRE


2018 18.89


2016 -3.10 ●Global Shares 97.2%

2015 -12.83 ●Listed Property° 0.0%



Minimum Suggested Timeframe: 7 years 10 years (% p.a.) -2.89 ●Cash 2.8%

To provide long-term capital growth by predominantly

investing in resource companies from around the world.

The option aims to outperform the Euromoney Global

Mining Accumulation Index (75%) and the MSCI All

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

year periods before fees and taxes.

FC Wsale Pension Stewart Investors Worldwide Leaders Fund - SXFSOE


2018 12.17







To provide long-term capital growththat exceeds the

MSCI All Country World Index over rolling five-year


Colonial First State Wholesale Index Global Share Fund - SXCTOE


2018 14.83


2016 -1.01 ●Global Shares 99.2%





To closely track the MSCI World (ex Australia) Index

with the aim of generating returns (before tax and fees

and assuming income is reinvested) comparable to the

world sharemarkets as measured by that benchmark

(unhedged) over rolling one-year period.

163

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


2018 9.94


2016 -5.63 ●Global Shares 97.6%






portfolio of predominantly Asian companies. To

outperform the MSCI All Country Asia (ex Japan) Index

over rolling three-year periods before fees and taxes.

Multi-Manager Australian Share Fund - SXCMDE


2018 12.98







To provide long-term capital growth and some tax-

effective income from a diversified portfolio of

predominantly Australian companies. To outperform the

S&P/ASX 300 Accumulation Index over rolling three-


Ausbil Australian Active Equity Option - SXCSDE


2018 15.42







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


Pendal Australian Share Option - SXRODE


2018 13.18







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.

164

Colonial First State Wholesale Australian Share Fund - Core - SXCPAS


2018 11.70







To provide long-term capital growth with some income by

investing predominantly in a broad selection of Australian

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

200 Accumulation Index over rolling three-year periods


Colonial First State Wholesale Geared Share Fund - SXFSGS


2018 28.66







To magnify long-term returns from capital growth by

borrowing to invest in large Australian companies. The

option aims to outperform the S&P/ASX 100 Accumulation


taxes.

Colonial First State Wholesale Imputation Fund - SXFSIM


2018 18.41







To provide long-term capital growth with some tax-

effective income by investing in a broad selection of

Australian companies. The option aims to outperform the

S&P/ASX 200 Accumlation Index over rolling three-year


Colonial First State Wholesale Index Australian Share Fund - SXCTDE


2018 11.56







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



Australian sharemarket as measured by that benchmark

over rolling one-year periods.

165

Colonial First State Wholesale Small Companies Fund - Core - SXCPSC


2018 20.94







To provide long-term capital growth by investing

predominantly in small Australian companies. The option

aims to outperform the S&P/ASX Small Ordinaries


before fees.

Maple-Brown Abbott Imputation Option* - SXMBIM


2018 9.91







To outperform the S&P/ASX 200 Accumulation Index

before fees and taxes over rolling four-year periods.

Perpetual Industrial Share Option* - SXPPIS


2018 5.86





Risk: High 5 years (% p.a.) 9.07 ●Fixed Interest°°° 0.0%


To provide long-term capital growth and regular income

predominantly through investment in quality Australian

Industrial shares. The option aims to outperform the

S&P/ASX 300 Industrials Accumulation Index over rolling

three-year periods before fees and taxes.

Schroder Australian Equity Option - SXSADE


2018 12.40








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

investing in a broad range of companies from Australia

and New Zealand.

166

Multi-Manager Property Securities Fund - SXCMPS


2018 9.03







To provide capital growth and income from a diversified

portfolio of listed property investments. To outperform the

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


Pendal Property Investment Option - SXROPR


2018 8.34







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

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


Colonial First State Wholesale Property Securities Fund - SXFSPR


2018 7.29







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.

Multi-Manager High Growth Fund* - SXCMHG


2018 11.73


2016 -1.21 ●Global Shares 37.1%





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.

167

Colonial First State Wholesale High Growth Fund - SXFSHG


2018 14.16







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

outperform the composite benchmark over rolling three-


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


2018 11.83


2016 -1.17 ●Global Shares 37.1%








and taxes.

Multi-Manager Growth Fund - SXCMGR


2018 9.15







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


Pendal Active Balanced Option - SXRODI


2018 9.24








and taxes) that exceeds the option's composite

benchmark over rolling three-year periods.

168

Colonial First State Wholesale Diversified Fund - SXFSDI


2018 9.06







To provide long term capital growth. The option aims to



Multi-Index Balanced Fund - SXCSGR


2018 7.24







To provide capital growth and income over the long-

term. To outperform the option's composite benchmark


Perpetual Balanced Growth Option - SXPPBA


2018 6.21


2016 -0.11 ●Global Shares 32.8%





To provide long-term capital growth and income through

investment in a diversified portfolio with an emphasis on

Australian and international share investments. The

option aims to outperform its composite benchmark over

rolling three-year periods before fees and taxes.

Multi-Manager Moderate Fund - SXCMMO


2018 7.13







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


169

Colonial First State Wholesale Balanced Fund - SXFSBA


2018 7.38





Risk: Medium to High 5 years (% p.a.) 6.57 ●Fixed Interest°°° 39.4%


To provide long-term capital growth and income. The

option aims to outperform the composite benchmark over


Perpetual Diversified Growth Option - SXPPGR


2018 4.66








through investment in a diversified portfolio of growth and

income assets. The option aims to outperform its



Multi-Manager Conservative Fund - SXCMCO


2018 4.20





Risk: Medium 5 years (% p.a.) 5.06 ●Fixed Interest°°° 30.1%


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


Colonial First State Wholesale Conservative Fund - SXFSCS


2018 5.26







To provide long-term capital preservation with an income

focus. The option aims to outperform the composite


and taxes.

170

Multi-Index Conservative Fund - SXCSCS


2018 3.83








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

To outperform the option's composite benchmark over


Perpetual Conservative Growth Option - SXPPCO


2018 3.09







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



Multi-Manager Fixed Interest Fund - SXCMFI


2018 1.98







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


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


2018 2.37







To outperform the Bloomberg AusBond Composite 0+ Yr


taxes.

171

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Multi-Manager Defensive Fund - SXCMLR


2018 2.93





Risk: Low to Medium 5 years (% p.a.) 3.91 ●Fixed Interest°°° 39.9%



capital loss. To outperform the option’s composite


and taxes.

Colonial First State Wholesale Institutional Cash Fund - SXCPCA


2018 1.37







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.

172

Colonial Select Allocated Pension8

Multi-Manager Global Share Fund - EXCMOE


2018 16.96


2016 -5.97 ●Global Shares 95.0%






portfolio of global shares. To outperform the MSCI All

Country World Index over rolling three-year periods


MFS Global Equity Option - EXAMOE


2018 9.65


2016 -0.87 ●Global Shares 98.0%





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.

Pendal Core Global Share Option* - EXROOE


2018 15.05


2016 -4.87 ●Global Shares 98.9%





To provide a portfolio of international investments that

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

exceeds the MSCI World (ex Australia) Index over


173

Colonial First State Wholesale Global Resources Fund - EXFSRE


2018 20.60


2016 -3.42 ●Global Shares 97.2%

2015 -13.82 ●Listed Property° 0.0%



Minimum Suggested Timeframe: 7 years 10 years (% p.a.) -3.01 ●Cash 2.8%


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-


FC Wsale Pension Stewart Investors Worldwide Leaders Fund - EXFSOE


2018 12.47







To provide long-term capital growththat exceeds the

MSCI All Country World Index over rolling five-year


Colonial First State Wholesale Index Global Share Fund - EXCTOE


2018 15.31


2016 -1.21 ●Global Shares 99.2%





To closely track the MSCI World (ex Australia) Index



world sharemarkets as measured by that benchmark

(unhedged) over rolling one-year period.

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


2018 11.57


2016 -5.96 ●Global Shares 97.6%









174

Multi-Manager Australian Share Fund - EXCMDE


2018 14.43







To provide long-term capital growth and some tax-

effective income from a diversified portfolio of

predominantly Australian companies. To outperform the

S&P/ASX 300 Accumulation Index over rolling three-


Ausbil Australian Active Equity Option - EXCSDE


2018 16.64







To provide long-term growth with moderate tax-effective

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



Pendal Australian Share Option - EXRODE


2018 14.31










Colonial First State Wholesale Australian Share Fund - Core - EXCPAS


2018 13.21








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


175

Colonial First State Wholesale Geared Share Fund - EXFSGS


2018 31.62







To magnify long-term returns from capital growth by

borrowing to invest in large Australian companies. The

option aims to outperform the S&P/ASX 100 Accumulation


taxes.

Colonial First State Wholesale Imputation Fund - EXFSDE


2018 20.97












Colonial First State Wholesale Index Australian Share Fund - EXCTDE


2018 13.09







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



Australian sharemarket as measured by that benchmark

over rolling one-year periods.

Colonial First State Wholesale Small Companies Fund - Core - EXCPSC


2018 22.51







To provide long-term capital growth by investing

predominantly in small Australian companies. The option

aims to outperform the S&P/ASX Small Ordinaries


before fees,

176

Maple-Brown Abbott Imputation Option* - EXMBIM


2018 11.37








before fees and taxes over rolling four-year periods.

Perpetual Industrial Share Option* - EXPPIS


2018 6.66








predominantly through investment in quality Australian

Industrial shares. The option aims to outperform the

S&P/ASX 300 Industrials Accumulation Index over rolling


Schroder Australian Equity Option - EXSADE


2018 13.32








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

investing in a broad range of companies from Australia

and New Zealand.

Multi-Manager Property Securities Fund - EXCMPS


2018 9.63







To provide capital growth and income from a diversified

portfolio of listed property investments. To outperform the

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


177

Pendal Property Investment Option - EXROPR


2018 8.56










Colonial First State Wholesale Property Securities Fund - EXFSPR


2018 8.15







To provide medium-to-long term capital growth and

income to the investor by investing in a portfolio of

Australian listed property securities. The option aims to

outperform the S&P/ASX 200 A-REIT Accumulation


taxes.

Multi-Manager High Growth Fund* - EXCMHG


2018 12.35


2016 -1.55 ●Global Shares 37.1%








and taxes.

Colonial First State Wholesale High Growth Fund - EXFSHG


2018 15.28







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



178

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


2018 12.35


2016 -1.19 ●Global Shares 37.1%








and taxes.

Multi-Manager Growth Fund - EXCMGR


2018 9.89







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


Pendal Active Balanced Option - EXRODI


2018 10.16










Colonial First State Wholesale Diversified Fund - EXFSDI


2018 9.82







To provide long term capital growth. The option aims to



179

Multi-Index Balanced Fund - EXCSGR


2018 7.88







To provide capital growth and income over the long-

term. To outperform the option's composite benchmark


Perpetual Balanced Growth Option - EXPPBA


2018 6.92


2016 -0.05 ●Global Shares 32.8%





To provide long-term capital growth and income through

investment in a diversified portfolio with an emphasis on

Australian and international share investments. The



Multi-Manager Moderate Fund - EXCMMO


2018 7.83







To provide a balance of income and capital growth over

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



Colonial First State Wholesale Balanced Fund - EXFSBA


2018 8.09







To provide long-term capital growth and income. The

option aims to outperform the composite benchmark over


180

Perpetual Diversified Growth Option - EXPPGR


2018 4.61








through investment in a diversified portfolio of growth and

income assets. The option aims to outperform its



Multi-Manager Conservative Fund - EXCMCO


2018 4.72








term with the potential for some long term capital growth.

To outperform the option’s composite benchmark over


Colonial First State Wholesale Conservative Fund - EXFSCS


2018 5.85







To provide long-term capital preservation with an income

focus. The option aims to outperform the composite


and taxes.

Multi-Index Conservative Fund - EXCSCS


2018 4.30








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

To outperform the option's composite benchmark over


181

Perpetual Conservative Growth Option - EXPPCO


2018 3.55







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



Multi-Manager Fixed Interest Fund - EXCMFI


2018 2.41








capital loss by investing in Australian and global fixed

interest securities. To outperform the composite

benchmark of 50% Citigroup World Broad Investment

Grade Index, hedged to Australian dollars and 50%

Bloomberg AusBond Composite 0+ Yr Index over rolling


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


2018 2.78







To outperform the Bloomberg AusBond Composite 0+ Yr


taxes.

Multi-Manager Defensive Fund - EXCMLR


2018 3.42








capital loss. To outperform the option’s composite


and taxes.

182

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Colonial First State Wholesale Institutional Cash Fund - EXCPCA


2018 1.64







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.

183

Colonial Select Allocated Pension – Closed options

Colonial Australian Equities Fund - EPAEQU


2018 13.10





Risk: Very high 5 years (% p.a.) 11.04 ●Fixed Interest°°° 0.0%







Colonial Australian Fixed Interest Fund - EPAFIX


2018 1.55











Colonial Balanced Fund - EDISCR


2018 9.58












taxes.

Colonial Capital Guaranteed Fund (participating) - ECPGTD


2018 7.50





Risk: Very low 5 years (% p.a.) 7.26 ●Fixed Interest°°° 75.8%








184

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


2018 2.43













Colonial Capital Safe Fund - ECAPSF


2018 4.69













Colonial Cash Fund - EPACAS


2018 2.27





Risk: Very Low 5 years (% p.a.) 2.51 ●Fixed Interest°°° 0.0%







Colonial First State Wholesale Australian Share Fund - EXFSAS


2018 23.36








investing in a broad selection of Australian companies.

185

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Colonial First State Wholesale Global Health & Biotechnology Fund - EXFSHB


2018 8.60


2016 -4.03 ●Global Shares 95.4%






investing in companies around the world, whose primary

business is in the field of pharmaceutical, biotechnology,

medical devices, or medical services.

Colonial First State Wholesale Global Technology & Communications Fund - EXFSTC


2018 0.00


2016 -3.48 ●Global Shares 96.6%


Indirect Cost Ratio (% p.a.)2: 0 2014 33.68 ●Alternatives°° 0.0%





business is in the field of technology and/or

communications.

Colonial Growth Fund - EGRWTH


2018 11.28













Colonial International Equities Fund - EPIEQU


2018 15.95


2016 -1.56 ●Global Shares 99.3%










186

Colonial Select Personal Super – Closed options

Colonial Australian Equities Fund - SPAEQU


2018 11.66












Colonial Australian Fixed Interest Fund - SPAFIX


2018 0.98











Colonial Balanced Fund - SDISCR


2018 8.76












taxes.

Colonial Capital Guaranteed Fund (participating) - SCPGTD


2018 5.19













187

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


2018 2.22













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


2018 2.14













Colonial Capital Safe Fund - SCAPSF


2018 4.00













188

Colonial Cash Fund - SPACAS


2018 1.94












Colonial Consensus Managed Fund - SXCCNM


2018 9.03












taxes.

Colonial Consensus Stable Fund - SXCCMS


2018 4.17













Colonial First State Wholesale Australian Share Fund - SXFSDE


2018 20.74








investing in a broad selection of Australian companies.

189

Colonial First State Wholesale Global Health & Biotechnology Fund - SXFSHB


2018 7.76


2016 -4.14 ●Global Shares 95.4%







business is in the field of pharmaceutical, biotechnology,

medical devices, or medical services.

Colonial First State Wholesale Global Technology & Communications Fund - SXFSTC


2018 19.23









business is in the field of technology and/or

communications.

Colonial Growth Fund - SGRWTH


2018 10.28













Colonial International Equities Fund - SPIEQU


2018 15.21


2016 -1.49 ●Global Shares 99.3%










190

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Colonial Property Fund - SXCPRO


2018 6.75






Minimum Suggested Timeframe: 7 years 10 years (% p.a.) 5.05 ●Cash -0.2%





191

Colonial Flexible Income Retirement Plan

Pendal Active Balanced Option - FEXRODI


2018 10.16










Pendal Core Australian Share Option - FEXRODE


2018 14.31










Pendal Property Investment Option - FEXROPR


2018 8.56










Colonial Australian Equities Fund - FEPAEQU


2018 13.10












192

Colonial Australian Fixed Interest Fund - FEPAFIX


2018 1.55











Colonial Balanced Fund - FEDISCR


2018 9.58












taxes.

Colonial Capital Guaranteed Fund (participating) - FECPGTD


2018 7.50













Colonial Capital Safe Fund - FECAPSF


2018 4.69













193

Colonial Cash Fund - FEPACAS


2018 2.27












Colonial First State Wholesale Imputation Fund - FEXFSDE


2018 20.97












Colonial Growth Fund - FEGRWTH


2018 11.28













Colonial International Equities Fund - FEPIEQU


2018 15.95


2016 -1.56 ●Global Shares 99.3%










194

Return to contents

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


2018 11.57


2016 -5.96 ●Global Shares 97.6%









Investment performance and other important information€¦ · Umbrella Investment Plan, Umbrella...

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