for the year ending 30 june 2016 investment performance ... · via issued units within the colonial...

For the year ending 30 June 2016

1

Investment performance and other important information

Superannuation products available within the Colonial Super Retirement Fund.

Other superannuation and ordinary products issued by The Colonial Mutual Life Assurance Society Limited.

Contents

Click on the link below to go the relevant section of this document.

(Refer to your Annual Statement for the name of your product.)

Bond 2000 Colonial Private Trustee (W04)

Colonial Capital Secure Insurance Bond Colonial Prupac

Colonial Endowment Colonial Pure Endowment

Colonial Flexible Income Retirement Plan Colonial Retirement Accumulation Plan (WO2)

Colonial Funeral Bond (AF3) Colonial Retirement Investment Plan (WO1)

Colonial Insurance Bond - Old Series Colonial Retirement Plus Account (FA3, FB3)

Colonial Insurance Bond, Entry Fee Version Colonial Rollover Bond (E05, E06, E10)

Colonial Insurance Bond, Free Entry Plus Version Colonial Rollover Bond (EA3)

Colonial Insurance Bond, Series III Colonial Rollover Bond (EB3)

Colonial Insurance Bond, Series IV Colonial Rollover Bond (EC3, EF3)

Colonial Investment Bond (AA3, AG3, AH3) Colonial Rollover Deposit Plan (EO9)

Colonial Investment Linked Insurance Bond Colonial Select Allocated Pension

Colonial Life Umbrella (SO3) Colonial Select Personal Superannuation

Colonial Life Umbrella Super (WO3) Colonial Super Money Plan (WA3)

Colonial Living Money (E07, E08) Colonial Superannuation Bond (E01, E02)

Colonial Money Plan (SA3) Colonial Superannuation Bond (ED3, EE3, EG3)

Colonial Mutual Insurance Bond Colonial Tailored Annuity Plan - Allocated Annuity

Colonial Passbook (SB3) Colonial Umbrella Investment Plan (T10, T11, T12)

Colonial Personal Superannuation Bond (E03, E04) Colonial Umbrella Investment Plan (X10, X11, X12)

Colonial Personal Superannuation Portfolio Colonial Whole of Life

2

CommInsure Investment Growth Bond (A01, A02, A03, A04, A05) Rollover Deferred Annuity

CommInsure Investment Growth Bond (AO6) Roll-Over Plan

CPSL MasterFund Superannuation Roll-Over Plan - Rollover and Super Bond 93

CPSL Wholesale Investment Portfolios - Wholesale Exempt Business

Roll-Over Plan "S" Series

CPSL Wholesale Investment Portfolios - Wholesale Non Superannuation

Roll-Over Plan Goldseal

CPSL Wholesale Investment Portfolios - Wholesale Superannuation

SGIC Business Class Super Fund

Deferred Annuity Superannuation Bond "S" Series

Easy Saver Superannuation Bond (Capital Guaranteed Bond, Deferred Annuity)

Easy Saver Plus Superannuation Bond (Multi-Bond)

Free Entry Plus Trustee SuperBond Series III Superannuation Bond (Rollover and Super Bond 93)

Investment Bond "S" Series SuperBond

Investment Bond (Bond '90, Bond '92, Inlife Series 3) SuperBond 2000

Investment Bond (Bond '93) SuperBridge

Investment Bond (Capital Guaranteed Bond) SuperBridge - Investment Linked

Investment Bond (Managed PruBond, Roll-Over Plan Goldseal) SuperBridge - New Series

Investment Bond (Multi-Bond) SuperBridge - Series III

InvestorPlan SuperBridge - Series IV

Lifebuilder SuperCash

Lifebuilder Superannuation SuperFlex Superannuation

LifeLink, LifeLink Plus Series 2, LifeLink Plus Series 3 SuperGuaranteeCARE

LifeWise Series 4 and 5 SuperLink, SuperLink Plus Series 2 and 3

Limited Offer Insurance Bond, Limited Offer Insurance Bond Multi-Option

SuperPlan Superannuation

Managed Investment Bond SuperSpan - Limited Offer, Limited Offer (multi option)

Managed Investment Plan SuperSpan II

Managed Investment Super Plan - Corporate SuperSpan II (multi option)

Managed Investment SuperPlan SuperSpan Plus

Managed Personal SuperPlan SuperSpan Plus Series III

Managed Savings Plan SuperSpan Plus Series IV

Personal SuperCARE SuperUnits

PruPlan Plus Superannuation SuperWise Series 4 and 5

PruPlan Superannuation Trustee Superannuation Bond, Old Series and Series III

PruPlan Superannuation "PruLink", PruPlan Superannuation "Unit-Linked"

Wealth Portfolio

Retirement Saver, Retirement Saver Plus Wealth Portfolio Superannuation

Colonial Mutual Superannuation Pty Ltd ABN 56 006 831 983 AFSL 235025 (the Trustee, we) and The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA) are both wholly owned non-guaranteed subsidiaries of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945.

This Investment performance and other important information relates to:

• superannuation products as identified and issued by the Trustee that form part of Colonial Super Retirement Fund ABN 40 328 908 469 (CSRF, the Fund); and

• other superannuation and ordinary products issued by CMLA.

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Performance explained

Unit-linked products

How we calculate performance

Returns are net of investment management fees, taxes and

charges (where applicable). Certain fees such as contribution,

administration or withdrawal fees (if any) are not taken into

account. Performance is calculated on the change in the

withdrawal unit prices for the period ending 30 June 2016

corresponding to the investment timeframe indicated, or where

applicable, the crediting rate for the relevant period.

Your return

Your individual net return may differ from the returns quoted in

this document. Your individual net return depends on the timing

of any transactions such as contributions, withdrawals,

switches or unit adjustments during the period covered by the

Annual Statement and your mix of investment options.

Past performance is not indicative of future performance

There is no guarantee that one investment option will

outperform another. The performance of the investment options

is generally dependent on economic conditions, investment

management and taxation laws. However, in some cases

investment guarantees may apply to investment options.

Whole of Life, Endowment and Pure

Endowment policies

Reversionary and terminal bonuses

Annual bonuses are additional to the sum insured and are

payable under the same conditions as the sum insured.

Reversionary bonuses are guaranteed once declared and

added to the policy.

Terminal bonuses are not guaranteed and they can increase,

decrease, or be removed depending on investment

performance.

The face value of bonuses is paid on death or maturity.

Bonuses are worth less than their face value if cashed in early.

A smoothing methodology is used when calculating bonuses

each year. The rationale for this is to produce declared bonus

rates that are less volatile than the underlying investments. To

achieve this, when the returns from the underlying investments

are high, some of these returns will be retained and not

included in the bonus declaration for that year, in order to

provide some buffer if investment returns deteriorate. In times

of low investment returns, these buffer amounts can then be

drawn on to declare a higher bonus amount than would have

been possible if based solely on the returns of the underlying

investments.

Based on the smoothing methodology, there were small

reductions in reversionary bonus rates for most bonus series

for 2015 compared with 2014. Terminal bonus rates were

unchanged for most bonus series.

Other important information

This document has been prepared for general information only,

not having regard to your investment objectives, financial

situation or needs. Because of this, you should consider the

appropriateness of the information having regard to your own

circumstances. Before making a decision to act on any of this

information, financial advice specific to you is recommended.

You should seek advice from your taxation adviser in relation to

taxation matters.

Composite Benchmark

The investment objectives and strategy for some investment

options with exposure to more than one asset class includes

reference to a composite benchmark.

The composite benchmark is calculated based on the weighted

average target asset allocation and index returns for each

asset class.

Notes

1. The asset allocations and the assets in the product can vary at the discretion of the investment manager. The investment managers aim to maintain the investments within the minimum and maximum ranges published. However there may be times when asset allocations fall outside these ranges.

2. The investment management fee covers the costs of managing your investment options and includes investment and administration costs for the investment managers and the responsible entities of the underlying trusts in which CMLA invests. Custody and other costs have been included in cases where these have not been deducted from the underlying assets. The fee is calculated as a percentage of the total assets of the investment option and varies from time to time. It is deducted from the investment option assets before the unit prices are calculated.

* For options with an asterisk (*) against the fee, the fee is calculated as a percentage of your account value.

** For options with two asterisks (**) against the fee, no explicit investment management fee applies on this investment option. The returns shown are net of any expenses and CMLA’s share of profits on the underlying investments.

3. Participating capital guaranteed. We distribute profits to policyholders through the declaration of bonus rates. We do not allow for fees in the determination of bonus rates. On those policies where the guaranteed rate is higher than the declared rate, the guaranteed rate would apply.

4. Non-participating capital guaranteed. On those policies where the guaranteed rate is higher than the declared rate, the guaranteed rate would apply.

5. CMLA charges a fee in the unit price. Please note that this fee is fully rebated via issued units within the Colonial Personal Superannuation Portfolio only.

6. We distribute profits to policyholders through the declaration of bonus rates. We do not allow for fees in the determination of bonus rates.

7. Superannuation and ordinary life products issued by CMLA.

8. Superannuation products issued by the Trustee for CSRF. The Trustee does not guarantee the accuracy or correctness of information relating to products it does not issue.

9. Not all the investment options are available or applicable to your policy. Please refer to your policy document for the applicable options or contact us for further details.

10. Advance Contribution Account (ACA), effective 1 December 2007 for ordinary products.

11. The investment option is closed to new investors. o Listed property investments may include Australian and international listed

property trusts (hedged).

oo Alternative investments offer the opportunity for enhanced returns and further portfolio diversification. Alternative investments are investments in non-traditional sectors that may be illiquid in nature. They may include but are not limited to private equity, direct property, infrastructure, alternative betas and hedge funds.

ooo Fixed interest includes Australian and international bonds (hedged).

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Contract/

component

code

Statutory fundSum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Whole of Life - LargeC01H,

C01I,C01U5PT 10.5 10.5 13.0 13.0 15.0 15.0 12.5 12.5 13.0 13.0

Whole of Life - SmallC01P, C01Q,

C01T5PT 6.5 6.5 8.0 8.0 9.5 9.5 8.0 8.0 8.5 8.5

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

Endow ment - SmallC02G, C02H,

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

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

Whole of Life 1996

SeriesC01G 5 PT 0.5 0.5 1.0 1.0 2.0 2.0 1.0 1.0 1.5 1.5

Whole of Life,

Endow ment and Pure

Endow ment 1960

C01A, C01B,

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

Whole of Life,

Endow ment and Pure

Endow ment 1974

C01D, C01E,

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

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

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

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

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

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

Whole of Life 1996

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

Whole of Life,

Endow ment and Pure

Endow ment 1960

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

Whole of Life,

Endow ment and Pure

Endow ment 1974

G01E, G02C,

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

2013 bonus rate6 (per $1000) 2012 bonus rate6 (per $1000) 2011 bonus rate6 (per $1000)2015 bonus rate6 (per $1000) 2014 bonus rate6 (per $1000)

Rev ersionary Bonus

Ordinary7

Superannuation7,8

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

Amicable insurance companies

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Asset Allocation at 30 June 20161

Ordinary Superannuation

Australian Shares 7.0%


International Shares 16.5% International Shares 9.2%

Alternativesoo 28.2% Alternativesoo 26.2%

Fixed interestooo 44.8% Fixed interestooo 55.8%

Cash 3.5% Cash 4.2%

Contract/

component

code


($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Ordinary7

Whole of Life - LargeC01H, C01I,

C01U5 PT 20.0-350.0 20.0-350.0 20.0-350.0 20.0-350.0 20.0-350.0 20.0-350.0 20.0-300.0 20.0-300.0 20.0-300.0 20.0-300.0

Whole of Life - SmallC01P, C01Q,

C01T5 PT 20.0-350.0 20.0-350.0 20.0-350.0 20.0-350.0 20.0-350.0 20.0-350.0 20.0-300.0 20.0-300.0 20.0-300.0 20.0-300.0

Endow ment - Large C02E, C02I 5 PT 70.0-490.0 70.0-490.0 60.0-480.0 60.0-480.0 40.0-450.0 40.0-450.0 40.0-430.0 40.0-430.0 40.0-430.0 40.0-430.0

Endow ment - SmallC02G, C02H,

C02J5 PT 70.0-490.0 70.0-490.0 60.0-480.0 60.0-480.0 40.0-450.0 40.0-450.0 40.0-430.0 40.0-430.0 40.0-430.0 40.0-430.0

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

Whole of Life 1996

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

Whole of Life,

Endow ment and Pure

Endow ment 1960

C01A, C01B,

C02A, C02B5 PT 90.0-460.0 90.0-460.0 90.0-460.0 90.0-460.0 90.0-460.0 90.0-460.0 0.0-430.0 0.0-430.0 0.0-430.0 0.0-430.0

Whole of Life,

Endow ment and Pure

Endow ment 1974

C01D, C01E,

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

Whole of Life - Large G01I 1 PT 30.0-650.0 30.0-650.0 30.0-650.0 30.0-650.0 20.0-650.0 20.0-650.0 20.0-600.0 20.0-600.0 20.0-610.0 20.0-610.0

Whole of Life - Small G01Q 1 PT 30.0-650.0 30.0-650.0 30.0-650.0 30.0-650.0 20.0-650.0 20.0-650.0 20.0-600.0 20.0-600.0 20.0-610.0 20.0-610.0

Pure Endow ment G03B 1 PT 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Endow ment - Large G02E, G02I 1 PT 30.0-490.0 30.0-490.0 10.0-460.0 10.0-460.0 10.0-450.0 10.0-450.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0

Endow ment - Small G02G, G02J 1 PT 30.0-490.0 30.0-490.0 10.0-460.0 10.0-460.0 10.0-450.0 10.0-450.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0

Whole of Life 1996

SeriesG01G 1 PT 240.0 240.0 240.0 240.0 240.0 240.0 210.0 210.0 230.0 230.0

Whole of Life,

Endow ment and Pure

Endow ment 1960

G01B, G02A 1 PT 80.0-550.0 80.0-550.0 80.0-550.0 80.0-550.0 60.0-530.0 60.0-530.0 0.0-440.0 0.0-440.0 0.0-440.0 0.0-440.0

Whole of Life,

Endow ment and Pure

Endow ment 1974

G01E, G02C,

G03A1 PT 60.0-1090.0 60.0-1090.0 50.0-1070.0 50.0-1070.0 50.0-1050.0 50.0-1050.0 20.0-950.0 20.0-950.0 20.0-950.0 20.0-950.0

2013 bonus rate6 (per $1000) 2012 bonus rate6 (per $1000)2015 bonus rate6 (per $1000) 2014 bonus rate6 (per $1000) 2011 bonus rate6 (per $1000)

Terminal Bonus

Superannuation7,8

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

Amicable insurance companies (cont.)

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Cash 3.5% Cash 4.2%

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

Contract/

component

code


($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Premium Pay ing -

Rev ersionary

I02, I04, I06,

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

Paid Up - Rev ersionaryI02, I04, I06,

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

Premium Pay ing -

Rev ersionary

N02, N04,

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

Paid Up - Rev ersionaryN02, N04,

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

Premium Pay ing -

Terminal

I02, I04, I06,

I07, I08, I095 PT 160.0-190.0 160.0-190.0 160.0-210.0 160.0-210.0 170.0-220.0 170.0-220.0 120.0-220.0 120.0-220.0 130.0-230.0 130.0-230.0

Paid Up - TerminalI02, I04, I06,

I07, I08, I095 PT 160.0-190.0 160.0-190.0 160.0-210.0 160.0-210.0 170.0-220.0 170.0-220.0 120.0-220.0 120.0-220.0 130.0-230.0 130.0-230.0

Premium Pay ing -

Terminal

N02, N04,

N06, N081 PT 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Paid Up - TerminalN02, N04,

N06, N081 PT 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Ordinary7

Superannuation7,8

2011 bonus rate6 (per $1000)

Rev ersionary Bonus

Ordinary7

Superannuation7,8

Terminal Bonus

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

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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 45.0 45.0 45.0 45.0 45.0 45.0 43.0 43.0 43.0 43.0

Series 2 -

Rev ersionary

C11D, C11E,

C12B, C12C,

C13A

5 PT 11.0 11.0 14.0 14.0 17.5 17.5 15.0 15.0 16.0 16.0

Series 4 -

Rev ersionary

C11G, C12E,

C13B5 PT 12.0 12.0 15.0 15.0 17.5 17.5 15.0 15.0 16.0 16.0

Series 5 -

Rev ersionaryC11I, C12G 5 PT 10.5 10.5 13.0 13.0 16.0 16.0 13.5 13.5 15.0 15.0

Series 6 -

Rev ersionaryC11F 5 PT 10.0 10.0 13.5 13.5 16.0 16.0 13.5 13.5 15.0 15.0

Series A, B, C, D, E, F,

G, I, J, K, L, M, N, P,

Q, R, S, T, U, V, X & Z

- Rev ersionary

C11C, C11H,

C11J, C11Q,

C11R, C12I,

C12J, C12K,

C13D, C20A,

C20B, C20C,

C20D, C20E,

C20F, C20G,

C20H

5 PT 10.0 10.0 12.5 12.5 14.5 14.5 12.5 12.5 13.0 13.0

Series 1 -

Rev ersionaryG11B 1 PT 41.0 41.0 43.0 43.0 43.0 43.0 39.0 39.0 39.0 39.0

Series 2 -

Rev ersionary

G11E, G12C,

G13A1 PT 9.5 9.5 11.0 11.0 11.5 11.5 10.0 10.0 11.0 11.0

Series 3 -

Rev ersionaryG11K, G12L 1 PT 11.0 11.0 11.0 11.0 10.0 10.0 9.0 9.0 9.0 9.0

Series 4 -

Rev ersionary

G11G, G12E,

G13B1 PT 14.0 14.0 16.5 16.5 17.5 17.5 16.0 16.0 17.5 17.5

Series 5 -

Rev ersionaryG11I, G12G 1 PT 17.0 17.0 19.0 19.0 20.0 20.0 18.0 18.0 19.0 19.0

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

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

Rev ersionary

G11Q, G11R,

G12I, G12J,

G12K, G13D,

G13E, G20A,

G20B, G20D,

G20E, G20G,

G20H

1 PT 14.0 14.0 12.5 12.5 10.5 10.5 8.0 8.0 8.0 8.0

Rev ersionary Bonus

Ordinary7

Superannuation7,8

2013 bonus rate6 (per $1000) 2012 bonus rate6 (per $1000) 2011 bonus rate6 (per $1000)2015 bonus rate6 (per $1000) 2014 bonus rate6 (per $1000)

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

Assurance companies

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Cash 3.5% Cash 4.2%

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 0.0-3930.0 N/A 0.0-3930.0 N/A 0.0-3930.0 N/A 0.0-3470.0 N/A 0.0-3380.0 N/A

Series 2 - Terminal

C11D, C11E,

C12B, C12C,

C13A

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

Series 4 - TerminalC11G, C12E,

C13B5 PT 210.0-670.0 N/A 210.0-670.0 N/A 210.0-670.0 N/A 190.0-570.0 N/A 190.0-570.0 N/A

Series 5 - Terminal C11I, C12G 5 PT 380.0-560.0 N/A 380.0-560.0 N/A 380.0-560.0 N/A 320.0-480.0 N/A 340.0-510.0 N/A

Series 6 - Terminal C11F 5 PT 410.0-770.0 N/A 410.0-770.0 N/A 410.0-770.0 N/A 350.0-670.0 N/A 370.0-710.0 N/A

Series A, B, C, D, E, F,

G, I, J, K, L, M, N, P,

Q, R, S, T, U, V, X & Z

- Terminal

C11C, C11H,

C11J, C11Q,

C11R, C12I,

C12J, C12K,

C13D, C20A,

C20B, C20C,

C20D, C20E,

C20F, C20G,

C20H

5 PT 120.0-650.0 N/A 120.0-650.0 N/A 120.0-650.0 N/A 120.0-530.0 N/A 130.0-560.0 N/A

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

Series 2 - TerminalG11E, G12C,

G13A1 PT 210.0-5130.0 N/A 220.0-5130.0 N/A 210.0-5020.0 N/A 170.0-4580.0 N/A 190.0-4780.0 N/A

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

Series 4 - TerminalG11G, G12E,

G13B1 PT 170.0-520.0 N/A 150.0-520.0 N/A 150.0-520.0 N/A 70.0-430.0 N/A 70.0-450.0 N/A

Series 5 - Terminal G11I, G12G 1 PT 250.0-530.0 N/A 250.0-530.0 N/A 250.0-530.0 N/A 230.0-420.0 N/A 230.0-420.0 N/A

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

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

Terminal

G11Q, G11R,

G12I, G12J,

G12K, G13D,

G13E, G20A,

G20B, G20D,

G20E, G20G,

G20H

1 PT 160.0-1020.0 N/A 150.0-920.0 N/A 120.0-770.0 N/A 60.0-630.0 N/A 60.0-630.0 N/A


Terminal Bonus

Ordinary7

Superannuation7,8

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

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

Assurance companies (cont.)2011 bonus rate6 (per $1000)

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Cash 9.3% Cash 8.9%

Contract/

component

code


($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

Sum assured

($)

Reversionary

bonus ($)

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

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

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

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

Series 5 C25E 5 PI 10.5 10.5 10.5 10.5 14.5 14.5 0.0 0.0 0.0 0.0

Series 6 C25F 5 PI 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

Series 1 G25A 1 PI 5.5 5.5 9.0 9.0 9.0 9.0 0.0 0.0 0.0 0.0

Series 2 G25B 1 PI 7.5 7.5 12.5 12.5 11.0 11.0 1.0 1.0 0.0 0.0

Series 3 G25C 1 PI 8.0 8.0 12.5 12.5 11.5 11.5 1.5 1.5 0.0 0.0

Series 4 G25D 1 PI 8.5 8.5 13.0 13.0 12.0 12.0 2.0 2.0 0.0 0.0

Series 5 G25E 1 PI 9.5 9.5 14.5 14.5 13.0 13.0 3.0 3.0 0.0 0.0

Series 6 G25F 1 PI 10.5 10.5 15.5 15.5 14.0 14.0 4.0 4.0 0.0 0.0

Series 7 G25G 1 PI 12.5 12.5 18.5 18.5 16.0 16.0 6.0 6.0 0.0 0.0

Series 8 G25H 1 PI 24.5 24.5 40.5 40.5 28.0 28.0 18.0 18.0 0.0 0.0

Series 9 G25I 1 PI 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0

PruPac

Superannuation7,8


Ordinary7

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

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Cash 43.5% Cash 43.3%

Advance Contribution Account (ACA)

2016 2015 2014 2013 2012

Ordinary7,10

5NPI 1.10 1.63 1.83 1.57 2.45 1.75 N/A 0.50%

Superannuation7,8

1NPI 1.58 2.2 2.43 2.11 3.23 2.36 3.29 0.50%

10 years

(%p.a.)

Investment

management

fee (%p.a.)

Statutory fundYearly returns as at 30 June (%)

5 years (%p.a.)

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

Capital Stable Primary Fund (Wealth Portfolio) - CAPN

Objective and strategy

2016 -1.64

2015 0.21 ●Australian Shares 10.0%

2014 1.47 ●International Shares 8.4%

2013 1.32 ●Listed Property° 0.0%

Investment management fee (% p.a.)2: 4.85 2012 -0.44 ●Alternatives°° 12.2%

5 years (%p.a.) 0.18 ●Fixed Interest°°° 33.3%

10 years (%p.a.) -0.50 ●Cash 36.1%

Investment performance – Yearly returns to 30 June (%)

To invest in a diversified portfolio of assets expected to

generate a mix of income and long-term captial growth

with an emphasis on stable returns and a reasonably

high level of security. This option is suited to investors

who want returns that are less volatile than from options

with a greater bias to growth investments.


Risk: Low/medium

Capital Stable Growth Fund (Wealth Portfolio) - CAPGN


2016 1.41




Investment management fee (% p.a.)2: 1.85 2012 2.64 ●Alternatives°° 12.2%


10 years (%p.a.) 2.57 ●Cash 36.1%









Risk: Low/medium

Capital Stable Growth Plus Fund - CAPGPN


2016 1.85






10 years (%p.a.) 3.05 ●Cash 36.1%









Risk: Low/medium

12

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Balanced Primary Fund (Wealth Portfolio) - BALN


2016 -2.42






10 years (%p.a.) 0.20 ●Cash 16.3%



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

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

This option is suited to investors seeking long-term

growth who are prepared to accept some volatility of

returns.


Risk: Medium/High

Balanced Growth Fund (Wealth Portfolio) - BALGN


2016 0.61






10 years (%p.a.) 3.29 ●Cash 16.3%







returns.


Risk: Medium/High

Balanced Growth Plus Fund - BALGPN


2016 1.13






10 years (%p.a.) 3.76 ●Cash 16.3%







returns.


Risk: Medium/High

13

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Equity Profile Primary Fund (Wealth Portfolio) - EQPN


2016 -3.12






10 years (%p.a.) 0.37 ●Cash 12.7%


To invest in a diversified portfolio of predominantly

growth assets expected to generate a mix of long-term

capital growth and income but which may be quite volatile

in the short-to-medium term. This option is suited to

investors seeking high returns who are prepared to

accept volatility of returns.


Risk: High

Equity Profile Growth Fund (Wealth Portfolio) - EQPGN


2016 -0.12






10 years (%p.a.) 3.47 ●Cash 12.7%









Risk: High

Equity Profile Growth Plus Fund - EQPGPN


2016 0.32






10 years (%p.a.) 3.95 ●Cash 12.7%









Risk: High

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Capital Guaranteed (Wealth Portfolio) - CGORD1


2016 3.75




Investment management fee (% p.a.)2: N/A** 2012 4.10 ●Alternatives°° 9.8%


10 years (%p.a.) 4.15 ●Cash 9.3%


To provide crediting rates, before tax and fees, in excess

of inflation over rolling 3 year periods and provide

security of capital. This investment option is suited to

investors who want a high degree of security.


Risk: Low/medium

Capital Guaranteed - CGORD2


2016 3.75






10 years (%p.a.) 4.15 ●Cash 9.3%







Risk: Low/medium

15

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Investment Bond (Multi-Bond)7 (INVBOND1)

Cash Fund - CASH-N


2016 0.10






10 years (%p.a.) 1.44 ●Cash 100.0%


To provide the highest level of security with income from

investments in money market securities. This option is

suited to investors who want a high degree of security.


Risk: Very Low

Capital Stable Fund - CAPSNG


2016 1.40






10 years (%p.a.) 2.57 ●Cash 36.1%









Risk: Low/medium

Balanced Fund - BALI-N


2016 0.64






10 years (%p.a.) 3.29 ●Cash 16.3%







returns.


Risk: Medium/High

16

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Equity Profile Fund - EPNG


2016 -0.13






10 years (%p.a.) 3.47 ●Cash 12.7%









Risk: High



2016 3.75






10 years (%p.a.) 4.15 ●Cash 9.3%







Risk: Low/medium

17

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

Cash Fund - CAPFNG


2016 0.11






10 years (%p.a.) 1.44 ●Cash 100.0%






Risk: Very Low

Capital Stable Fund - CAPSNG


2016 1.40






10 years (%p.a.) 2.57 ●Cash 36.1%









Risk: Low/medium

Capital Stable II Fund (Bond'92) - CS2NG


2016 1.42






10 years (%p.a.) 2.59 ●Cash 36.1%









Risk: Low/medium

18

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X X

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Balanced Fund - BALANG


2016 0.67






10 years (%p.a.) 3.29 ●Cash 16.3%







returns.


Risk: Medium/High

Equity Profile Fund - EPNG


2016 -0.13






10 years (%p.a.) 3.47 ●Cash 12.7%









Risk: High



2016 3.75






10 years (%p.a.) 4.15 ●Cash 9.3%







Risk: Low/medium

19

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X X

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

Cash Fund - SCPFNG


2016 0.56






10 years (%p.a.) 1.90 ●Cash 100.0%






Risk: Very Low

Capital Stable Fund - SCPSNG


2016 1.85






10 years (%p.a.) 3.03 ●Cash 36.1%









Risk: Low/medium

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


2016 1.14






10 years (%p.a.) 3.76 ●Cash 16.3%







returns.


Risk: Medium/High

20

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


2016 1.12






10 years (%p.a.) 3.75 ●Cash 16.3%







returns.


Risk: Medium/High

Equity Profile Fund - SEPNG


2016 0.35






10 years (%p.a.) 3.94 ●Cash 12.7%









Risk: High



2016 3.75






10 years (%p.a.) 4.15 ●Cash 9.3%







Risk: Low/medium

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XX

X X

XX

XX

Investment Bond (Bond '93)7 (IB93)

Fixed Interest Fund - FI93NG


2016 2.66






10 years (%p.a.) 2.87 ●Cash 0.7%


To provide relatively stable returns by investing in

Australian and global fixed interest securities. This option

is suited to investors who want a reasonable level of

securty with the potential to provide higher returns than

cash options.


Risk: Low/medium

Capital Stable Fund - CS93NG


2016 1.29






10 years (%p.a.) 2.47 ●Cash 36.1%









Risk: Low/medium

Balanced Fund - B93NG


2016 0.53






10 years (%p.a.) 3.19 ●Cash 16.3%







returns.


Risk: Medium/High

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XX

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Equity Profile Fund - EP93NG


2016 -0.23






10 years (%p.a.) 3.37 ●Cash 12.7%









Risk: High



2016 3.75






10 years (%p.a.) 4.15 ●Cash 9.3%







Risk: Low/medium

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

Return To Contents



2016 3.75






10 years (%p.a.) 4.15 ●Cash 9.3%







Risk: Low/medium

24

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Managed Investment Bond7 (MIB)

Return To Contents

Capital Guaranteed Cash Fund - SOGA


2016 0.48




Investment management fee (% p.a.)2: 1.50* 2012 1.99 ●Alternatives°° 0.0%


10 years (%p.a.) 1.85 ●Cash 100.0%






Risk: Very Low

Managed Growth Fund - SOMA


2016 1.44






10 years (%p.a.) 4.20 ●Cash 16.3%







returns.


Risk: Medium/High

25

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XX

Bond 20007 (M2000)

Return To Contents

Capital Guaranteed Cash Fund - SOGB


2016 0.47






10 years (%p.a.) 1.82 ●Cash 100.0%






Risk: Very Low

Managed Growth Fund - SOMB


2016 1.14






10 years (%p.a.) 3.68 ●Cash 16.3%







returns.


Risk: Medium/High

26

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XX

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XX

XX

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

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


2016 1.73






10 years (%p.a.) 3.17 ●Cash 43.5%







Risk: Low/medium

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


2016 1.73






10 years (%p.a.) 3.17 ●Cash 43.5%







Risk: Low/medium

Capital Guaranteed Cash Fund - VM


2016 0.27






10 years (%p.a.) 1.62 ●Cash 100.0%






Risk: Very Low

27

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XX

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Capital Secure Fund - DM


2016 1.59






10 years (%p.a.) 2.78 ●Cash 36.1%









Risk: Low/medium

Balanced Fund - MM


2016 0.86






10 years (%p.a.) 3.48 ●Cash 16.3%







returns.


Risk: Medium/High

Managed Growth Fund (LJ and LM Units) - LM


2016 0.86






10 years (%p.a.) 3.48 ●Cash 16.3%







returns.


Risk: Medium/High

28

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XX

Return To Contents

Managed Growth Fund (PJ and PM units) - PM


2016 0.86






10 years (%p.a.) 3.48 ●Cash 16.3%







returns.


Risk: Medium/High

29

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XX

X X

XX

XX

LifeWise - Series 4 and 57 (LIFEWISE4, LIFEWISE5)

Capital Guaranteed Fund (non-participating)4 - J


2016 0.48






10 years (%p.a.) 1.94 ●Cash 43.5%







Risk: Low/medium

Capital Guaranteed Cash Fund (Series 5) - VP


2016 0.00






10 years (%p.a.) 0.63 ●Cash 100.0%






Risk: Very Low

Capital Secure Fund (Series 5) - DP


2016 0.31






10 years (%p.a.) 1.47 ●Cash 36.1%









Risk: Low/medium

30

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XX

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Managed Growth Fund - LP


2016 -0.48






10 years (%p.a.) 2.22 ●Cash 16.3%







returns.


Risk: Medium/High

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XX

XX

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

Return To Contents

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


2016 2.09






10 years (%p.a.) 4.70 ●Cash 16.3%







returns.


Risk: Medium/High

Managed Growth Fund (Series 3) - B


2016 0.83






10 years (%p.a.) 3.50 ●Cash 16.3%







returns.


Risk: Medium/High

32

XX

XX

X X

XX

XX

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

Return To Contents

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


2016 0.48






10 years (%p.a.) 1.85 ●Cash 100.0%






Risk: Very Low

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


2016 1.11






10 years (%p.a.) 3.72 ●Cash 16.3%







returns.


Risk: Medium/High

33

XX

XX

X X

XX

XX

Insurance Bond, Limited Offer Insurance Bond (Capital Guaranteed and Multi Option)7 (IB, IB+, IBLOM, IBLO)

Capital Guaranteed Fund (Limited Offer Multi Option and non-participating)4 - CGIB


2016 1.73






10 years (%p.a.) 3.14 ●Cash 43.5%







Risk: Low/medium

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


2016 1.78






10 years (%p.a.) 3.13 ●Cash 43.5%







Risk: Low/medium

Capital Guaranteed Cash Fund (Insurance Bond) - VY


2016 0.32






10 years (%p.a.) 1.67 ●Cash 100.0%






Risk: Very Low

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X X

XX

XX

Return To Contents

Capital Secure Fund - DA


2016 1.62






10 years (%p.a.) 2.78 ●Cash 36.1%









Risk: Low/medium

Balanced Fund - MB


2016 0.85






10 years (%p.a.) 3.49 ●Cash 16.3%







returns.


Risk: Medium/High

Managed Growth Fund - LB


2016 0.93






10 years (%p.a.) 3.50 ●Cash 16.3%







returns.


Risk: Medium/High

35

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XX

X X

XX

XX

Insurance Bond Series III7 (IB1, IB1+)

Capital Guaranteed Fund (non-participating)4 - CGIB1


2016 1.63






10 years (%p.a.) 3.04 ●Cash 43.5%







Risk: Low/medium

Capital Guaranteed Cash Fund - VY1


2016 0.20






10 years (%p.a.) 1.56 ●Cash 100.0%






Risk: Very Low

Capital Secure Fund - DA1


2016 1.49






10 years (%p.a.) 2.69 ●Cash 36.1%









Risk: Low/medium

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Return To Contents

Balanced Fund - MB1


2016 0.55






10 years (%p.a.) 3.31 ●Cash 16.3%







returns.


Risk: Medium/High

Managed Growth Fund - PB1


2016 0.75






10 years (%p.a.) 3.39 ●Cash 16.3%







returns.


Risk: Medium/High

Australian Share Fund - YB1


2016 -1.79






10 years (%p.a.) 2.74 ●Cash 1.3%


To provide long-term capital growth through investment

in shares of Australian listed company shares.This option

is suited to investors seeking high returns who are

prepared to accept volatility of returns.


Risk: High

37

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Insurance Bond Series IV7 (IB4, IB4+)

Capital Guaranteed Fund (non-participating)4 - CGIB4


2016 2.76






10 years (%p.a.) 4.63 ●Cash 43.5%







Risk: Low/medium

Capital Guaranteed Cash Fund - VY4


2016 0.22






10 years (%p.a.) 1.73 ●Cash 100.0%






Risk: Very Low

Australian Fixed Interest Fund - ZB4


2016 2.90






10 years (%p.a.) 3.17 ●Cash 0.7%






cash options.


Risk: Low/medium

38

XX

XX

X X

XX

XX

Capital Secure Fund - DA4


2016 1.57






10 years (%p.a.) 2.77 ●Cash 36.1%









Risk: Low/medium

Balanced Fund - MB4


2016 0.88






10 years (%p.a.) 3.49 ●Cash 16.3%







returns.


Risk: Medium/High

Managed Growth Fund - PB4


2016 0.90






10 years (%p.a.) 3.51 ●Cash 16.3%







returns.


Risk: Medium/High

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XX

Return To Contents

Australian Share Fund - YB4


2016 -0.77




Investment management fee (% p.a.)2: 1.75* 2012 -4.31 ●Alternatives°° 0.0%


10 years (%p.a.) 3.55 ●Cash 1.3%







Risk: High

40

XX

XX

X X

XX

XX

Insurance Bond Security Plus7 (IBS+)

Return To Contents

Capital Secure Fund - DA


2016 1.62






10 years (%p.a.) 2.78 ●Cash 36.1%









Risk: Low/medium

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XX

X X

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XX

Insurance Bond Investment Linked, Insurance Bond Maturity Guaranteed, Insurance Bond Old Series, Insurance Bond Series 17 (IBIL, IBMG, IBOS, IBS1)

Return To Contents

Managed Growth Fund - LB


2016 0.93






10 years (%p.a.) 3.50 ●Cash 16.3%







returns.


Risk: Medium/High

42

XX

XX

X X

XX

XX

Superbridge Series II, Superbridge New Series, Superbridge Investment Linked7 (SBIL, SBNS, SBOS)

Return To Contents

Managed Growth Fund - CS


2016 1.55






10 years (%p.a.) 4.79 ●Cash 15.6%







returns.


Risk: Medium/High

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XX

XX

X X

XX

XX

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

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


2016 2.85






10 years (%p.a.) 3.77 ●Cash 43.3%







Risk: Low/medium

Capital Guaranteed Cash Fund - UW


2016 0.88






10 years (%p.a.) 2.53 ●Cash 100.0%






Risk: Very Low

Capital Secure Fund - FG


2016 2.55






10 years (%p.a.) 3.99 ●Cash 35.2%









Risk: Low/medium

44

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XX

Return To Contents

Balanced Fund - NS


2016 1.55






10 years (%p.a.) 4.80 ●Cash 15.6%







returns.


Risk: Medium/High



2016 1.55






10 years (%p.a.) 4.79 ●Cash 15.6%







returns.


Risk: Medium/High

45

XX

XX

X X

XX

XX

Superbridge Deferred Annuity Series III, Trustee Superannuation Bond Series III, Superspan Plus Deferred Annuity Series III7 (SB1, TSB1, TSB1+, SS1+)

Capital Guaranteed Fund (non-participating)4 - CGSB1, CGTSB1


2016 2.65






10 years (%p.a.) 3.58 ●Cash 43.3%







Risk: Low/medium

Capital Guaranteed Cash Fund - UW1


2016 0.68






10 years (%p.a.) 2.31 ●Cash 100.0%






Risk: Very Low

Australian Fixed Interest Fund - XS1


2016 4.10






10 years (%p.a.) 4.51 ●Cash 1.5%






cash options.


Risk: Low/medium

46

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XX

X X

XX

XX

Capital Secure Fund - FG1


2016 2.32






10 years (%p.a.) 3.79 ●Cash 35.2%









Risk: Low/medium

Balanced Fund - NS1


2016 1.26






10 years (%p.a.) 4.58 ●Cash 15.6%







returns.


Risk: Medium/High

Managed Growth Fund - QS1


2016 1.37






10 years (%p.a.) 4.59 ●Cash 15.6%







returns.


Risk: Medium/High

47

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XX

XX

Return To Contents

Australian Share Fund - WS1


2016 -0.78






10 years (%p.a.) 4.44 ●Cash 1.3%







Risk: High

48

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XX

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XX

XX

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

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


2016 2.43






10 years (%p.a.) 6.51 ●Cash 43.3%







Risk: Low/medium

Capital Guaranteed Cash Fund - UW4


2016 0.69






10 years (%p.a.) 2.36 ●Cash 100.0%






Risk: Very Low

Australian Fixed Interest Fund - XS4


2016 4.13






10 years (%p.a.) 4.56 ●Cash 1.5%






cash options.


Risk: Low/medium

49

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XX

Capital Secure Fund - FG4


2016 2.35






10 years (%p.a.) 3.81 ●Cash 35.2%









Risk: Low/medium

Balanced Fund - NS4


2016 1.34






10 years (%p.a.) 4.62 ●Cash 15.6%







returns.


Risk: Medium/High

Managed Growth Fund - QS4


2016 1.37






10 years (%p.a.) 4.61 ●Cash 15.6%







returns.


Risk: Medium/High

50

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XX

Return To Contents

Australian Share Fund - WS4


2016 -0.66






10 years (%p.a.) 4.57 ●Cash 1.3%







Risk: High

51

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XX

X X

XX

XX

SuperSpan Limited Offer, SuperSpan II7 (SSLO, SSII)

Return To Contents

Capital Guaranteed Fund (non-participating)4 - CGSSLO


2016 2.70






10 years (%p.a.) 3.56 ●Cash 43.3%







Risk: Low/medium

52

XX

XX

X X

XX

XX

SuperSpan Limited Offer (Multi Option)7 (SSLOM)

Capital Guaranteed Fund (non-participating)4 - CGSB


2016 2.85






10 years (%p.a.) 3.77 ●Cash 43.3%







Risk: Low/medium

Capital Guaranteed Cash Fund - UW


2016 0.88






10 years (%p.a.) 2.53 ●Cash 100.0%






Risk: Very Low



2016 2.55






10 years (%p.a.) 3.99 ●Cash 35.2%









Risk: Low/medium

53

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X X

XX

XX

Return To Contents

Balanced Fund - NS


2016 1.55






10 years (%p.a.) 4.80 ●Cash 15.6%







returns.


Risk: Medium/High



2016 1.55






10 years (%p.a.) 4.79 ●Cash 15.6%







returns.


Risk: Medium/High

54

XX

XX

X X

XX

XX

SuperSpan II (Multi Option) Deferred Annuity7 (SSIIM)

Capital Guaranteed Cash Fund - UX


2016 0.02






10 years (%p.a.) 1.44 ●Cash 100.0%






Risk: Very Low



2016 2.55






10 years (%p.a.) 3.99 ●Cash 35.2%









Risk: Low/medium

Balanced Fund - NS


2016 1.55






10 years (%p.a.) 4.80 ●Cash 15.6%







returns.


Risk: Medium/High

55

XX

XX

X X

XX

XX

Return To Contents



2016 1.55






10 years (%p.a.) 4.79 ●Cash 15.6%







returns.


Risk: Medium/High

56

XX

XX

X X

XX

XX

SuperCash Deferred Annuity7 (SC)

Return To Contents

Capital Guaranteed Cash Fund - UX


2016 0.02






10 years (%p.a.) 1.44 ●Cash 100.0%






Risk: Very Low

57

XX

XX

X X

XX

XX

Rollover Deferred Annuity, SuperBond7 (RDA, SIB)

Return To Contents

Capital Guaranteed Cash Fund - SSGA


2016 0.89






10 years (%p.a.) 2.55 ●Cash 100.0%






Risk: Very Low

Managed Fund - SSMA


2016 1.61






10 years (%p.a.) 4.81 ●Cash 15.6%







returns.


Risk: Medium/High

Capital Guaranteed Fund (non-participating)4 - CGSB


2016 2.85






10 years (%p.a.) 3.77 ●Cash 43.3%







Risk: Low/medium

58

XX

XX

X X

XX

XX

SuperBond 20007 (S2000)

Return To Contents

Capital Guaranteed Cash Fund - SSGB


2016 0.89






10 years (%p.a.) 2.54 ●Cash 100.0%






Risk: Very Low

Managed Growth Fund - SSMB


2016 1.39






10 years (%p.a.) 4.52 ●Cash 15.6%







returns.


Risk: Medium/High

59

XX

XX

X X

XX

XX

TAP Allocated Annuity7 (TAE2E, TAE2E+)

Capital Guaranteed Fund (non-participating)4 - KST2


2016 1.95






10 years (%p.a.) 5.78 ●Cash 43.8%







Risk: Low/medium

Capital Guaranteed Cash Fund - UWT2


2016 1.13






10 years (%p.a.) 3.06 ●Cash 100.0%






Risk: Very Low

Australian Fixed Interest Fund - XST2


2016 5.00






10 years (%p.a.) 5.81 ●Cash 1.3%






cash options.


Risk: Low/medium

60

XX

XX

X X

XX

XX

Capital Secure Fund - FGT2


2016 3.19






10 years (%p.a.) 4.82 ●Cash 35.2%









Risk: Low/medium

Balanced Fund - NST2


2016 1.84






10 years (%p.a.) 5.26 ●Cash 15.8%







returns.


Risk: Medium/High

Managed Growth Fund - QST2


2016 1.84






10 years (%p.a.) 5.24 ●Cash 15.8%







returns.


Risk: Medium/High

61

XX

XX

X X

XX

XX

Return To Contents

Australian Share Fund - WST2


2016 -0.41






10 years (%p.a.) 4.74 ●Cash 1.5%







Risk: High

62

XX

XX

X X

XX

XX

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

Capital Stable Primary Fund (Wealth Portfolio) - CAPS


2016 -0.91






10 years (%p.a.) 0.51 ●Cash 35.2%









Risk: Low/medium

Capital Stable Growth Fund (Wealth Portfolio) - CAPGS


2016 2.16






10 years (%p.a.) 3.62 ●Cash 35.2%









Risk: Low/medium

Capital Stable Growth Plus Fund - CAPGPS


2016 2.63






10 years (%p.a.) 4.08 ●Cash 35.2%









Risk: Low/medium

63

XX

XX

X X

XX

XX

Balanced Primary Fund (Wealth Portfolio) - BALS


2016 -1.83






10 years (%p.a.) 1.29 ●Cash 15.6%







returns.


Risk: Medium/High

Balanced Growth Fund (Wealth Portfolio) - BALGS


2016 1.21






10 years (%p.a.) 4.43 ●Cash 15.6%







returns.


Risk: Medium/High

Balanced Growth Plus Fund - BALGPS


2016 1.65






10 years (%p.a.) 4.89 ●Cash 15.6%







returns.


Risk: Medium/High

64

XX

XX

X X

XX

XX

Equity Profile Primary Fund (Wealth Portfolio) - EQPS


2016 -2.29






10 years (%p.a.) 1.47 ●Cash 11.2%









Risk: High

Equity Profile Growth Fund (Wealth Portfolio) - EQPGS


2016 0.74






10 years (%p.a.) 4.61 ●Cash 11.2%









Risk: High

Equity Profile Growth Plus Fund - EQPGPS


2016 1.16






10 years (%p.a.) 5.06 ●Cash 11.2%









Risk: High

65

XX

XX

X X

XX

XX

Return To Contents

Capital Guaranteed - CGSUP5


2016 4.31






10 years (%p.a.) 4.72 ●Cash 8.9%







Risk: Low/medium

Capital Guaranteed (Wealth Portfolio) - CGSUP1


2016 4.31






10 years (%p.a.) 4.72 ●Cash 8.9%







Risk: Low/medium

66

XX

XX

X X

XX

XX

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

Equity Link Balanced Fund - PLAN6S


2016 1.08






10 years (%p.a.) 4.29 ●Cash 15.6%







returns.


Risk: Medium/High

Pru-Plan Unit Linked Balanced Fund - PLAN5S


2016 1.18






10 years (%p.a.) 4.33 ●Cash 15.6%







returns.


Risk: Medium/High

Capital Stable Growth Fund - CAPGS


2016 2.16






10 years (%p.a.) 3.62 ●Cash 35.2%









Risk: Low/medium

67

XX

XX

X X

XX

XX

Return To Contents

Equity Profile Growth Fund - EQPGS


2016 0.74






10 years (%p.a.) 4.61 ●Cash 11.2%









Risk: High



2016 4.31






10 years (%p.a.) 4.72 ●Cash 8.9%







Risk: Low/medium

68

XX

XX

X X

XX

XX

Pruplan Plus (PRUPLAN+)

Capital Stable Growth Plus Fund - CAPGPS


2016 2.63






10 years (%p.a.) 4.08 ●Cash 35.2%









Risk: Low/medium

Capital Stable Growth Fund - CAPGS


2016 2.16






10 years (%p.a.) 3.62 ●Cash 35.2%









Risk: Low/medium

Balanced Growth Plus Fund - BALGPS


2016 1.65






10 years (%p.a.) 4.89 ●Cash 15.6%







returns.


Risk: Medium/High

69

XX

XX

X X

XX

XX

Balanced Growth Fund - BALGS


2016 1.21






10 years (%p.a.) 4.43 ●Cash 15.6%







returns.


Risk: Medium/High

Equity Profile Growth Plus Fund - EQPGPS


2016 1.16






10 years (%p.a.) 5.06 ●Cash 11.2%









Risk: High

Equity Profile Growth Fund - EQPGS


2016 0.74






10 years (%p.a.) 4.61 ●Cash 11.2%









Risk: High

70

XX

XX

X X

XX

XX

Return To Contents



2016 4.31






10 years (%p.a.) 4.72 ●Cash 8.9%







Risk: Low/medium

Capital Guaranteed - Primary - CGSUP2


2016 1.30






10 years (%p.a.) 1.71 ●Cash 8.9%







Risk: Low/medium



2016 4.31






10 years (%p.a.) 4.72 ●Cash 8.9%







Risk: Low/medium

71

XX

XX

X X

XX

XX

Pruplan (MK1 and MK2) (PRUPLAN1, PRUPLAN2)

Return To Contents



2016 4.31






10 years (%p.a.) 4.72 ●Cash 8.9%







Risk: Low/medium

Capital Guaranteed (MK2) - CGSUP3


2016 0.00






10 years (%p.a.) 0.13 ●Cash 8.9%







Risk: Low/medium



2016 4.31






10 years (%p.a.) 4.72 ●Cash 8.9%







Risk: Low/medium

72

XX

XX

X X

XX

XX

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

Return To Contents



2016 4.31






10 years (%p.a.) 4.72 ●Cash 8.9%







Risk: Low/medium

73

XX

XX

X X

XX

XX

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

Balanced Fund - BOND5S


2016 1.66






10 years (%p.a.) 4.90 ●Cash 15.6%







returns.


Risk: Medium/High

Capital Guaranteed Cash Fund - SCPFSG


2016 0.99






10 years (%p.a.) 2.63 ●Cash 100.0%






Risk: Very Low

Capital Stable Fund - SCPSSG


2016 2.63






10 years (%p.a.) 4.08 ●Cash 35.2%









Risk: Low/medium

74

XX

XX

X X

XX

XX

Return To Contents

Equity Profile Fund - SEPSG


2016 1.18






10 years (%p.a.) 5.08 ●Cash 11.2%









Risk: High



2016 4.31






10 years (%p.a.) 4.72 ●Cash 8.9%







Risk: Low/medium

75

XX

XX

X X

XX

XX

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

Balanced Fund - BALI-S


2016 1.19






10 years (%p.a.) 4.43 ●Cash 15.6%







returns.


Risk: Medium/High

Capital Guaranteed Cash Fund - CAPFSG


2016 0.54






10 years (%p.a.) 2.17 ●Cash 100.0%






Risk: Very Low

Capital Stable Fund ('91) - CAPSSG


2016 2.17






10 years (%p.a.) 3.62 ●Cash 35.2%









Risk: Low/medium

76

XX

XX

X X

XX

XX

Return To Contents

Equity Profile Fund - EPSG


2016 0.75






10 years (%p.a.) 4.61 ●Cash 11.2%









Risk: High



2016 4.31






10 years (%p.a.) 4.72 ●Cash 8.9%







Risk: Low/medium

77

XX

XX

X X

XX

XX

Roll-Over Plan 'S' Series ('91 and '92), Superannuation Bond "S" Series ('91 and '92)7,8 (ROLLOVER, ROLLOVER92, SBOND-S92, SBOND-S)

Capital Guaranteed Cash Fund - SCPFSG


2016 0.99






10 years (%p.a.) 2.63 ●Cash 100.0%






Risk: Very Low

Capital Stable Fund ('91) - SCPSSG


2016 2.63






10 years (%p.a.) 4.08 ●Cash 35.2%









Risk: Low/medium

Capital Stable Fund ('92) - SCS2SG


2016 2.63






10 years (%p.a.) 4.08 ●Cash 35.2%









Risk: Low/medium

78

XX

XX

X X

XX

XX

Return To Contents

Balanced Fund - SBALSG


2016 1.66






10 years (%p.a.) 4.90 ●Cash 15.6%







returns.


Risk: Medium/High

Equity Profile Fund - SEPSG


2016 1.18






10 years (%p.a.) 5.08 ●Cash 11.2%









Risk: High

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


2016 4.31






10 years (%p.a.) 4.72 ●Cash 8.9%







Risk: Low/medium

79

XX

XX

X X

XX

XX

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

Balanced Fund - BALASG


2016 1.20






10 years (%p.a.) 4.43 ●Cash 15.6%







returns.


Risk: Medium/High

Capital Guaranteed Cash Fund - CAPFSG


2016 0.54






10 years (%p.a.) 2.17 ●Cash 100.0%






Risk: Very Low

Capital Stable Fund ('91) - CAPSSG


2016 2.17






10 years (%p.a.) 3.62 ●Cash 35.2%









Risk: Low/medium

80

XX

XX

X X

XX

XX

Return To Contents

Capital Stable Fund ('92) - CS2SG


2016 2.16






10 years (%p.a.) 3.62 ●Cash 35.2%









Risk: Low/medium

Equity Profile Fund - EPSG


2016 0.75






10 years (%p.a.) 4.61 ●Cash 11.2%









Risk: High



2016 4.31






10 years (%p.a.) 4.72 ●Cash 8.9%







Risk: Low/medium

81

XX

XX

X X

XX

XX

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

Cash Fund - FI93SG


2016 0.45






10 years (%p.a.) 2.07 ●Cash 100.0%






Risk: Very Low

Capital Stable Fund - CS93SG


2016 2.07






10 years (%p.a.) 3.53 ●Cash 35.2%









Risk: Low/medium

Balanced Fund - B93SG


2016 1.11






10 years (%p.a.) 4.33 ●Cash 15.6%







returns.


Risk: Medium/High

82

XX

XX

X X

XX

XX

Return To Contents

Equity Profile Fund - EP93SG


2016 0.64






10 years (%p.a.) 4.50 ●Cash 11.2%









Risk: High



2016 4.31






10 years (%p.a.) 4.72 ●Cash 8.9%







Risk: Low/medium

83

XX

XX

X X

XX

XX

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

Return To Contents

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


2016 2.00






10 years (%p.a.) 3.02 ●Cash 43.3%







Risk: Low/medium

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


2016 2.00






10 years (%p.a.) 3.02 ●Cash 43.3%







Risk: Low/medium

84

XX

XX

X X

XX

XX

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

Capital Guaranteed Fund (non-participating)4 - BK


2016 2.25






10 years (%p.a.) 3.90 ●Cash 43.3%







Risk: Low/medium

Capital Guaranteed Cash Fund - UK


2016 0.41






10 years (%p.a.) 2.10 ●Cash 100.0%






Risk: Very Low

Capital Secure Fund - FK


2016 2.05






10 years (%p.a.) 3.61 ●Cash 35.2%









Risk: Low/medium

85

XX

XX

X X

XX

XX

Return To Contents

Balanced Fund - NK


2016 1.09






10 years (%p.a.) 4.39 ●Cash 15.6%







returns.


Risk: Medium/High

Managed Growth Fund (Retirement Saver) - CK


2016 1.08






10 years (%p.a.) 4.38 ●Cash 15.6%







returns.


Risk: Medium/High

Managed Growth Fund (Series 2 and Plus) - QK


2016 1.09






10 years (%p.a.) 4.39 ●Cash 15.6%







returns.


Risk: Medium/High

86

XX

XX

X X

XX

XX

SuperWise - Series 4 and 58 (SUPERWISE4, SUPERWISE5)

Capital Guaranteed Fund (non-participating)4 - K


2016 2.00






10 years (%p.a.) 2.97 ●Cash 43.3%







Risk: Low/medium

Capital Guaranteed Cash Fund (Series 5) - UQ


2016 0.01






10 years (%p.a.) 1.26 ●Cash 100.0%






Risk: Very Low

Capital Secure Fund (Series 5) - FQ


2016 1.04






10 years (%p.a.) 2.55 ●Cash 35.2%









Risk: Low/medium

87

XX

XX

X X

XX

XX

Return To Contents

Managed Growth Fund - CQ


2016 0.18






10 years (%p.a.) 3.40 ●Cash 15.6%







returns.


Risk: Medium/High

88

XX

XX

X X

XX

XX

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

Return To Contents

Managed Growth Fund (Superlink and Series 2) - CL


2016 2.60






10 years (%p.a.) 5.86 ●Cash 15.6%







returns.


Risk: Medium/High

Managed Growth Fund (Series 3) - S


2016 1.45






10 years (%p.a.) 4.76 ●Cash 15.6%







returns.


Risk: Medium/High

89

XX

XX

X X

XX

XX

Managed Investment SuperPlan, Managed Personal SuperPlan7,8 (MIP1, MIP3, MISPP)

Return To Contents

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


2016 0.90






10 years (%p.a.) 2.54 ●Cash 100.0%






Risk: Very Low

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


2016 1.60






10 years (%p.a.) 4.82 ●Cash 15.6%







returns.


Risk: Medium/High

90

XX

XX

X X

XX

XX

SuperUnits8 (SU)

Return To Contents

Managed Growth Fund - SU


2016 2.61






10 years (%p.a.) 5.86 ●Cash 15.6%







returns.


Risk: Medium/High

91

XX

XX

X X

XX

XX

CPSL Wholesale Superannuation Business7 (PRUES)

Capital Safe Fund - SCAPSF, SCAPSF03


2016 3.44






10 years (%p.a.) 4.89 ●Cash 35.2%









Risk: Low/medium

Capital Guaranteed Fund (non-participating)4 - SCOLFG


2016 3.85






10 years (%p.a.) 4.74 ●Cash 43.3%







Risk: Low/medium

92

XX

XX

X X

XX

XX

Balanced Fund - SDISCR


2016 2.51






10 years (%p.a.) 5.71 ●Cash 15.6%







returns.


Risk: Medium/High

Growth Fund - SGRWTH


2016 1.87






10 years (%p.a.) 5.85 ●Cash 11.2%









Risk: High

Capital Guaranteed Cash Fund - SPACAS


2016 2.16






10 years (%p.a.) 3.82 ●Cash 100.0%






Risk: Very Low

93

XX

XX

X X

XX

XX

Return To Contents

Australian Equity Fund - SPAEQU


2016 0.41






10 years (%p.a.) 5.64 ●Cash 1.3%







Risk: High

Australian Fixed Interest Fund - SPAFIX


2016 5.25






10 years (%p.a.) 5.74 ●Cash 1.5%






cash options.


Risk: Low/medium

International Equity Fund - SPIEQU


2016 -1.49






10 years (%p.a.) 4.20 ●Cash 1.2%


To provide long-term capital growth through investments

in global listed company shares. This option is suited to




Risk: High

94

XX

XX

X X

XX

XX

CPSL Wholesale Exempt Business7 (PRUINO)

Capital Safe Fund - ECAPSF, ECAPSF03, FECAPSF


2016 4.34






10 years (%p.a.) 5.93 ●Cash 35.2%









Risk: Low/medium

Balanced Fund - EDISCR, FEDISCR


2016 2.97






10 years (%p.a.) 6.38 ●Cash 15.8%







returns.


Risk: Medium/High

95

XX

XX

X X

XX

XX

Growth Fund - EGRWTH, FEGRWTH


2016 2.29






10 years (%p.a.) 6.40 ●Cash 11.1%









Risk: High

Capital Guaranteed Cash Fund - EPACAS, FEPACAS


2016 2.45






10 years (%p.a.) 4.49 ●Cash 100.0%






Risk: Very Low

Australian Equity Fund - EPAEQU, FEPAEQU


2016 0.70






10 years (%p.a.) 5.89 ●Cash 1.5%







Risk: High

96

XX

XX

X X

XX

XX

Return To Contents

Australian Fixed Interest Fund - EPAFIX, FEPAFIX


2016 6.11






10 years (%p.a.) 7.04 ●Cash 1.3%






cash options.


Risk: Low/medium

Property Fund - EPAPRO


2016 9.58






10 years (%p.a.) 4.86 ●Cash -0.2%


To provide long-term capital growth and income from a

diversified portfolio of global listed property investments.

This option is suited to investors seeking the potential of

high long-term growth with some volatility over shorter

time periods.


Risk: High

International Equity Fund - EPIEQU, FEPIEQU


2016 -1.56






10 years (%p.a.) 4.92 ●Cash 1.4%







Risk: High

97

XX

XX

X X

XX

XX

CPSL Wholesale Non Superannuation Business7 (PRUINO)

Return To Contents

Balanced Fund - ODISCR


2016 1.98






10 years (%p.a.) 4.57 ●Cash 16.3%







returns.


Risk: Medium/High

98

XX

XX

X X

XX

XX

CPSL Wholesale Superannuation Business (SGIC Business Class Superannuation)7 (PRUINO)

Return To Contents

Capital Guaranteed Fund (non-participating)4 - SGICCG


2016 2.81






10 years (%p.a.) 5.59 ●Cash 43.3%







Risk: Low/medium

99

XX

XX

X X

XX

XX

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

Capital Guaranteed Cash Fund - 2CSU

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

Initial Units Investment Units

2016 -6.07 0.44

2015 -5.80 0.68 ●Australian Shares 0.0%

2014 -5.93 0.59 ●International Shares0.0%

2013 -5.32 1.19●Listed Property

0.0%

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

Initial units: 8.40*

Investment Units: 1.95*

2012 -4.38 2.21 ●Alternatives 0.0%

5 years (%p.a.) -5.50 1.02 ●Fixed Interest 0.0%

10 years (%p.a.) -4.49 2.09 ●Cash 100.0%Risk: Very Low


To provide the highest level of security with income

from investments in money market securities. This

option is suited to investors who want a high

degree of security.

Capital Guaranteed Fund 3 - 1SUU



2016 -0.70 5.31




0.0%


Initial units: N/A**

Investment Units: N/A**

2012 -1.13 4.85 ●Alternatives 10.2%


10 years (%p.a.) -0.13 5.91 ●Cash 8.9%Risk: Low/medium


To provide crediting rates, before tax and fees, in

excess of inflation over rolling 3 year periods and

provide security of capital. This investment option is

suited to investors who want a high degree of

security.

100

XX

XX

X X

XX

XX

Fixed Interest Fund - 2FIU



2016 -2.84 3.77




0.0%




2012 -0.15 6.62 ●Alternatives 0.0%





Australian and global fixed interest securities. This

option is suited to investors who want a reasonable

level of securty with the potential to provide higher

returns than cash options.

Property Fund - 2PRU



2016 1.77 8.40

2015 2.95 9.63 ●Australian Shares 0.0%

2014 2.63 9.34 ●International Shares0.0%

2013 3.34 10.03●Listed Property

99.8%




2012 -1.72 4.66 ●Alternatives 0.0%

5 years (%p.a.) 1.78 8.39 ●Fixed Interest 0.0%

10 years (%p.a.) -3.36 2.92 ●Cash 0.2%Risk: High


To provide long-term capital growth and income

from a diversified portfolio of global listed property

investments. This option is suited to investors

seeking the potential of high long-term growth with

some volatility over shorter time periods.

101

XX

XX

X X

XX

XX

Stable Fund - 2STU



2016 -4.50 1.83




0.0%




2012 -3.11 3.29 ●Alternatives 12.6%




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.

This option is suited to investors who want returns

that are less volatile than from options with a

greater bias to growth investments.

Managed Fund - 2MGU



2016 -5.39 0.89




0.0%




2012 -5.59 0.66 ●Alternatives 18.4%


10 years (%p.a.) -2.35 4.11 ●Cash 15.6%Risk: Medium/High



expected to generate a mix of long-term capital

growth and income, but which may be volatile in

the short-to-medium term. This option is suited to

investors seeking long-term growth who are

prepared to accept some volatility of returns.

102

XX

XX

X X

XX

XX

Return To Contents

Australian Equities Fund - 2EQU



2016 -7.35 -1.31




0.0%




2012 -11.41 -5.66 ●Alternatives 0.0%




To provide long-term capital growth through

investment in shares of Australian listed company

shares.This option is suited to investors seeking

high returns who are prepared to accept volatility

of returns.

International Equities Fund - 2INU



2016 -8.91 -2.98




0.0%




2012 -8.66 -2.72 ●Alternatives 0.0%





investments in global listed company shares. This

option is suited to investors seeking high returns

who are prepared to accept volatility of returns.

103

XX

XX

X X

XX

XX

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

Capital Guaranteed Cash Fund - 2CSH


2016 0.70






10 years (%p.a.) 2.36 ●Cash 100.0%






Risk: Very Low

Capital Guaranteed Fund 3 - 1SUP


2016 5.94






10 years (%p.a.) 6.51 ●Cash 8.9%







Risk: Low/medium

Fixed Interest Fund - 2FIX


2016 4.00






10 years (%p.a.) 4.41 ●Cash 1.5%






cash options.


Risk: Low/medium

104

XX

XX

X X

XX

XX

Property Fund - 2PRP


2016 8.71






10 years (%p.a.) 3.19 ●Cash 0.2%






time periods.


Risk: High

Stable Fund - 2STB


2016 2.09






10 years (%p.a.) 3.58 ●Cash 35.2%









Risk: Low/medium

Consensus Stable Fund - 2CST


2016 2.25






10 years (%p.a.) 3.75 ●Cash 35.3%









Risk: Low/medium

105

XX

XX

X X

XX

XX

Managed Fund - 2MGD


2016 1.15






10 years (%p.a.) 4.38 ●Cash 15.6%







returns.


Risk: Medium/High

Consensus Managed Fund - 2CMG


2016 1.29






10 years (%p.a.) 4.33 ●Cash 17.3%







returns.


Risk: Medium/High

Australian Equities Fund - 2EQY


2016 -1.02






10 years (%p.a.) 4.23 ●Cash 1.3%







Risk: High

106

XX

XX

X X

XX

XX

Return To Contents

International Equities Fund - 2INT


2016 -2.74






10 years (%p.a.) 2.78 ●Cash 1.2%







Risk: High

107

XX

XX

X X

XX

XX

Colonial Rollover Deposit Plan (E09)

Return To Contents

Capital Guaranteed Fund3 - 1SUP


2016 5.94






10 years (%p.a.) 6.51 ●Cash 8.9%







Risk: Low/medium

108

XX

XX

X X

XX

XX

SGIC Personal Superannuation Bond8 (ED3, EE3, EG3)

Capital Guaranteed Cash Fund - 7SCA


2016 0.69






10 years (%p.a.) 2.36 ●Cash 100.0%






Risk: Very Low

Capital Guaranteed Fund4 - 6SCG


2016 2.81






10 years (%p.a.) 5.59 ●Cash 43.3%







Risk: Low/medium

109

XX

XX

X X

XX

XX

Fixed Interest Fund - 7SFI


2016 4.25






10 years (%p.a.) 4.56 ●Cash 1.5%






cash options.


Risk: Low/medium

Property Fund - 7SPF


2016 9.10






10 years (%p.a.) 3.53 ●Cash 0.2%






time periods.


Risk: High

Managed Fund - 7SMN


2016 1.40






10 years (%p.a.) 4.63 ●Cash 15.6%







returns.


Risk: Medium/High

110

XX

XX

X X

XX

XX

Australian Equities Fund - 7SAE


2016 -0.71






10 years (%p.a.) 4.56 ●Cash 1.3%







Risk: High

International Equities Fund - 7SIE


2016 -2.39






10 years (%p.a.) 3.14 ●Cash 1.2%







Risk: High

Capital Protected Fund - December - 7SP1


2016 0.44






10 years (%p.a.) 2.31 ●Cash 100.0%






Risk: Very Low

111

XX

XX

X X

XX

XX

Return To Contents

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


2016 0.44






10 years (%p.a.) 2.30 ●Cash 100.0%






Risk: Very Low

Capital Protected Fund – June - 7SP3


2016 0.44






10 years (%p.a.) 2.32 ●Cash 100.0%






Risk: Very Low

Capital Protected Fund - September - 7SP4


2016 0.43






10 years (%p.a.) 2.31 ●Cash 100.0%






Risk: Very Low

112

XX

XX

X X

XX

XX

SGIC Rollover Deposit Plan7 (EC3, EF3)

Capital Guaranteed Cash Fund - 7RCA


2016 0.69






10 years (%p.a.) 2.36 ●Cash 100.0%






Risk: Very Low

Capital Guaranteed Fund4 - 6RCG


2016 2.81






10 years (%p.a.) 5.59 ●Cash 43.3%







Risk: Low/medium

Fixed Interest Fund - 7RFI


2016 4.25






10 years (%p.a.) 4.56 ●Cash 1.5%






cash options.


Risk: Low/medium

113

XX

XX

X X

XX

XX

Property Fund - 7RPF


2016 9.10






10 years (%p.a.) 3.53 ●Cash 0.2%






time periods.


Risk: High

Managed Fund - 7RMN


2016 1.40






10 years (%p.a.) 4.63 ●Cash 15.6%







returns.


Risk: Medium/High

Australian Equities Fund - 7RAE


2016 -0.71






10 years (%p.a.) 4.56 ●Cash 1.3%







Risk: High

114

XX

XX

X X

XX

XX

International Equities Fund - 7RIE


2016 -2.39






10 years (%p.a.) 3.14 ●Cash 1.2%







Risk: High

Capital Protected Fund - December - 7RP1


2016 0.44






10 years (%p.a.) 2.31 ●Cash 100.0%






Risk: Very Low

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


2016 0.44






10 years (%p.a.) 2.30 ●Cash 100.0%






Risk: Very Low

115

XX

XX

X X

XX

XX

Return To Contents

Capital Protected Fund – June - 7RP3


2016 0.44






10 years (%p.a.) 2.32 ●Cash 100.0%






Risk: Very Low

Capital Protected Fund - September - 7RP4


2016 0.43






10 years (%p.a.) 2.31 ●Cash 100.0%






Risk: Very Low

116

XX

XX

X X

XX

XX

Ex Legal and General Capital Guaranteed products

Retirement Investment Plan7,8,3 (W01)

Return To Contents

Table 60 and 80 - 1RIP


2016 4.76






10 years (%p.a.) 5.44 ●Cash 8.9%







Risk: Low/medium

Table 62 and Plus - 1RAP


2016 5.66






10 years (%p.a.) 6.34 ●Cash 8.9%







Risk: Low/medium

117

XX

XX

X X

XX

XX

Retirement Accumulation Plan7,8,3 (W02)

Return To Contents

1RAP


2016 5.66






10 years (%p.a.) 6.34 ●Cash 8.9%







Risk: Low/medium

118

XX

XX

X X

XX

XX

Private Trustee Superannuation7,3 (W04)

Return To Contents

1LUS


2016 5.66






10 years (%p.a.) 6.34 ●Cash 8.9%







Risk: Low/medium

119

XX

XX

X X

XX

XX

Life Umbrella8,3 Superannuation (W03)

Return To Contents

1LUS


2016 5.66






10 years (%p.a.) 6.34 ●Cash 8.9%







Risk: Low/medium

120

XX

XX

X X

XX

XX

SGIC Capital Guaranteed products

Colonial Rollover Bond4,7 (EA3)

Return To Contents

6ROL


2016 2.81






10 years (%p.a.) 5.59 ●Cash 43.3%







Risk: Low/medium

121

XX

XX

X X

XX

XX

Money Plan Super4,8 (WA3)

Return To Contents

6SMY


2016 3.02






10 years (%p.a.) 5.78 ●Cash 43.3%







Risk: Low/medium

122

XX

XX

X X

XX

XX

Colonial Rollover Bond4,7 (EB3)

Return To Contents

6RNF


2016 2.46






10 years (%p.a.) 5.27 ●Cash 43.3%







Risk: Low/medium

123

XX

XX

X X

XX

XX

Colonial Living Money7,8 (E07, E08)



2016 1.00






10 years (%p.a.) 3.02 ●Cash 100.0%






Risk: Very Low



2016 4.82






10 years (%p.a.) 5.68 ●Cash 1.3%






cash options.


Risk: Low/medium



2016 9.87






10 years (%p.a.) 3.76 ●Cash 0.0%






time periods.


Risk: High

124

XX

XX

X X

XX

XX

Stable Fund - 4STB


2016 2.86






10 years (%p.a.) 4.57 ●Cash 35.2%









Risk: Low/medium

Consensus Stable Fund - 4CST


2016 2.98






10 years (%p.a.) 4.72 ●Cash 34.6%









Risk: Low/medium

Managed Fund - 4MGD


2016 1.53






10 years (%p.a.) 5.02 ●Cash 15.8%







returns.


Risk: Medium/High

125

XX

XX

X X

XX

XX

Return To Contents

Consensus Managed Fund - 4CMG


2016 1.75






10 years (%p.a.) 5.23 ●Cash 16.5%







returns.


Risk: Medium/High



2016 -0.77






10 years (%p.a.) 4.41 ●Cash 1.5%







Risk: High



2016 -3.00






10 years (%p.a.) 3.45 ●Cash 1.4%







Risk: High

126

XX

XX

X X

XX

XX

SGIC Retirement Plus Account8 (FA3, FB3)

Capital Guaranteed Cash Fund - 9ACA


2016 1.19






10 years (%p.a.) 3.24 ●Cash 100.0%






Risk: Very Low

Capital Guaranteed Fund4 - 6ACG


2016 3.53






10 years (%p.a.) 5.53 ●Cash 43.8%







Risk: Low/medium

Property Fund - 9APF


2016 10.39






10 years (%p.a.) 4.26 ●Cash 0.0%






time periods.


Risk: High

127

XX

XX

X X

XX

XX

Managed Fund - 9AMN


2016 1.92






10 years (%p.a.) 5.42 ●Cash 15.8%







returns.


Risk: Medium/High

Australian Equities Fund - 9AAE


2016 -0.29






10 years (%p.a.) 4.91 ●Cash 1.5%







Risk: High

International Equities Fund - 9AIE


2016 -2.54






10 years (%p.a.) 3.98 ●Cash 1.4%







Risk: High

128

XX

XX

X X

XX

XX

Capital Protected Fund - December - 9AP1


2016 0.90






10 years (%p.a.) 3.17 ●Cash 100.0%






Risk: Very Low

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


2016 0.90






10 years (%p.a.) 3.18 ●Cash 100.0%






Risk: Very Low

Capital Protected Fund – June - 9AP3


2016 0.90






10 years (%p.a.) 3.17 ●Cash 100.0%






Risk: Very Low

129

XX

XX

X X

XX

XX

Return To Contents

Capital Protected Fund - September - 9AP4


2016 0.90






10 years (%p.a.) 3.17 ●Cash 100.0%






Risk: Very Low

130

XX

XX

X X

XX

XX

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




2016 -6.18 0.67




0.0%


Initial units: 8.10

Investment Units: 1.30

2012 -4.99 1.96 ●Alternatives 0.0%


10 years (%p.a.) -5.03 1.87 ●Cash 100.0%Risk: Very Low


To provide the highest level of security with income

from investments in money market securities. This

option is suited to investors who want a high

degree of security.

Capital Guaranteed Fund 3 - 1ORD



2016 -2.68 3.21




0.0%


Initial units: N/A**

Investment Units: N/A**

2012 -2.56 3.33 ●Alternatives 9.8%




To provide crediting rates, before tax and fees, in

excess of inflation over rolling 3 year periods and

provide security of capital. This investment option is

suited to investors who want a high degree of

security.

Consensus Stable Fund11 - 3CST


2016 1.72






10 years (%p.a.) 3.07 ●Cash 35.7%









Risk: Low/medium

131

XX

XX

X X

XX

XX

Consensus Managed Fund11 - 3CMG


2016 0.89






10 years (%p.a.) 3.57 ●Cash 16.8%







returns.


Risk: Medium/High




2016 -4.04 3.09




0.0%


Initial units: 8.45


2012 -1.75 5.53 ●Alternatives 0.0%





Australian and global fixed interest securities. This

option is suited to investors who want a reasonable

level of securty with the potential to provide higher

returns than cash options.




2016 -0.35 7.06




100.0%


Initial units: 8.65


2012 -2.72 4.49 ●Alternatives 0.0%




To provide long-term capital growth and income

from a diversified portfolio of global listed property

investments. This option is suited to investors

seeking the potential of high long-term growth with

some volatility over shorter time periods.

132

XX

XX

X X

XX

XX

Stable Fund - 3STB



2016 -5.28 1.76




0.0%


Initial units: 8.40


2012 -4.08 3.02 ●Alternatives 12.2%





expected to generate a mix of income and long-

term captial growth with an emphasis on stable

returns and a reasonably high level of security.

This option is suited to investors who want returns

that are less volatile than from options with a

greater bias to growth investments.

Managed Fund - 3MGD



2016 -6.12 0.87




0.0%


Initial units: 8.55


2012 -5.90 1.06 ●Alternatives 18.1%


10 years (%p.a.) -3.52 3.59 ●Cash 16.3%Risk: Medium/High



expected to generate a mix of long-term capital

growth and income, but which may be volatile in

the short-to-medium term. This option is suited to

investors seeking long-term growth who are

prepared to accept some volatility of returns.

133

XX

XX

X X

XX

XX

Return To Contents




2016 -7.72 -0.86




0.0%


Initial units: 8.60


2012 -10.85 -4.24 ●Alternatives 0.0%





investment in shares of Australian listed company

shares.This option is suited to investors seeking

high returns who are prepared to accept volatility

of returns.




2016 -9.39 -2.65




0.0%


Initial units: 8.65


2012 -7.68 -0.83 ●Alternatives 0.0%





investments in global listed company shares. This

option is suited to investors seeking high returns

who are prepared to accept volatility of returns.

134

XX

XX

X X

XX

XX

Investment Growth Bond7 (A06)

NC - Cash - 3NCS


2016 1.11



2013 - ●Listed Property° 0.0%

Investment management fee (% p.a.)2: 0.85 2012 - ●Alternatives°° 0.0%

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

10 years (%p.a.) - ●Cash 100.0%






Risk: Very Low

NC - Global Fixed Interest - 3NFI


2016 3.53






10 years (%p.a.) - ●Cash 0.7%






cash options.


Risk: Low/medium

NC - Global Property - 3NPR


2016 6.96






10 years (%p.a.) - ●Cash 0.1%






time periods.


Risk: High

135

XX

XX

X X

XX

XX

NC - Australian Shares - 3NAU


2016 -0.37






10 years (%p.a.) - ●Cash 1.3%







Risk: High

NC - International Shares - 3NIN


2016 -2.39






10 years (%p.a.) - ●Cash 1.0%







Risk: High

NC - Conservative - 3NCO


2016 2.07






10 years (%p.a.) - ●Cash 36.1%









Risk: Low/medium

136

XX

XX

X X

XX

XX

Return To Contents

NC - Diversified - 3NDI


2016 1.38






10 years (%p.a.) - ●Cash 31.9%







returns.


Risk: Medium/High

NC - Balanced - 3NBA


2016 1.23






10 years (%p.a.) - ●Cash 16.3%







returns.


Risk: Medium/High

NC - Growth - 3NGR


2016 0.33






10 years (%p.a.) - ●Cash 12.7%









Risk: High

137

XX

XX

X X

XX

XX

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

Capital Guaranteed Cash Fund - 8BCA


2016 0.27






10 years (%p.a.) 1.67 ●Cash 100.0%






Risk: Very Low

Capital Guaranteed Fund7 - 6BON


2016 2.17






10 years (%p.a.) 4.48 ●Cash 43.5%







Risk: Low/medium

138

XX

XX

X X

XX

XX

Property Fund - 8BPF


2016 7.16






10 years (%p.a.) 3.13 ●Cash 0.0%






time periods.


Risk: High

Managed Fund - 8BMN


2016 0.87






10 years (%p.a.) 3.48 ●Cash 16.3%







returns.


Risk: Medium/High

Australian Equities Fund - 8BAE


2016 -0.80






10 years (%p.a.) 3.59 ●Cash 1.3%







Risk: High

139

XX

XX

X X

XX

XX

International Equities Fund - 8BIE


2016 -2.50






10 years (%p.a.) 2.65 ●Cash 1.0%







Risk: High

Capital Protected Fund - December - 8BP1


2016 0.02






10 years (%p.a.) 1.66 ●Cash 100.0%






Risk: Very Low

Capital Protected Fund – June - 8BP3


2016 0.02






10 years (%p.a.) 1.75 ●Cash 100.0%






Risk: Very Low

140

XX

XX

X X

XX

XX

Return To Contents

Capital Protected Fund - September - 8BP4


2016 0.03






10 years (%p.a.) 1.61 ●Cash 100.0%






Risk: Very Low

141

XX

XX

X X

XX

XX

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

Return To Contents

Ordinary - 1LUO


2016 4.02






10 years (%p.a.) 4.28 ●Cash 9.3%







Risk: Low/medium

142

XX

XX

X X

XX

XX

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

Return To Contents

Ordinary Passbook Rate - 6HIN


2016 1.21






10 years (%p.a.) 3.53 ●Cash 43.5%







Risk: Low/medium

Ordinary Funeral Bond - 6FNR


2016 1.08






10 years (%p.a.) 3.34 ●Cash 43.5%







Risk: Low/medium

Money Plan Ordinary - 6MNY


2016 2.17






10 years (%p.a.) 4.48 ●Cash 43.5%







Risk: Low/medium

143

XX

XX

X X

XX

XX

Colonial Select Allocated Pension8

Multi-Manager Global Share Fund - EXCMOE


2016 -5.97





Risk: Very High 5 years (%p.a.) 12.59 ●Fixed Interest°°° 0.0%

Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) 2.38 ●Cash 3.6%


To provide long-term capital growth that exceeds the

MSCI All Country World Index over rolling five year

periods before fees and taxes.


MFS Global Equity Option - EXAMOE


2016 -0.87








To provide capital appreciation over the longer term by

investing in a diversified portfolio of global shares

(unhedged) and to outperform the MSCI World Index

over rolling five year periods, before fees and taxes.


BT Core Global Share Option - EXROOE


2016 -4.87








To provide a portfolio of international investments that

aims to provide a return (before fees, costs and taxes)

that exceeds the MSCI World (ex Australia) Index over

rolling three-year periods


144

XX

XX

X X

XX

XX

Colonial First State Wholesale Global Resources Fund - EXFSRE


2016 -3.42

2015 -13.82 ●Australian Shares 0.0%


2013 -7.72 ●Listed Property° 0.0%


Risk: Very High 5 years (%p.a.) -7.07 ●Fixed Interest°°° 0.0%

Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) -1.38 ●Cash 2.1%


To provide long-term capital growth by predominantly

investing in resource companies from around the world.

The option aims to outperform the Euromoney Global

Mining Accumulation (75%) and the MSCI All Country

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



Colonial First State Wholesale Worldwide Leaders Fund (formerly Colonial First State Wholesale Global Share Fund) - EXFSOE


2016 9.46








To provide long-term capital growth by investing in a

diversified portfolio of shares from around the world.


Colonial First State Wholesale Index Global Share Fund - EXCTOE


2016 -1.21








To closely track the MSCI World (ex Australia) Index

with the aim of generating returns (before tax and fees

and assuming income is reinvested) comparable to the

world sharemarkets as measured by

that benchmark (unhedged) over rolling one-year

periods.


145

XX

XX

X X

XX

XX

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


2016 -5.96








To provide long-term capital growth from a diversified

portfolio of predominantly Asian companies. To

outperform the MSCI All Country Asia (ex Japan) Index

over rolling three-year periods before fees and taxes.


Multi-Manager Australian Share Fund - EXCMDE


2016 -2.60





Risk: High 5 years (%p.a.) 7.73 ●Fixed Interest°°° 0.0%



To provide long-term capital growth and some tax-

effective income from a diversified portfolio of

predominantly Australian companies. To outperform the

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

year periods before fees and taxes.


Ausbil Australian Active Equity Option - EXCSDE


2016 1.33








To provide long-term growth with moderate tax-effective

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

Accumulation Index over rolling three-year periods

before fees and taxes.


146

XX

XX

X X

XX

XX

BT Core Australian Share Option - EXRODE


2016 -0.62








The option aims to provide a return (before fees, costs

and taxes) that exceeds the S&P/ASX 300 Accumulation

Index over rolling three-year periods


Colonial First State Wholesale Australian Share Fund - Core - EXCPAS


2016 0.47








To provide long-term capital growth with some income by

investing predominantly in a broad selection of Australian

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

200 Accumulation Index over rolling three-year periods



Colonial First State Wholesale Geared Share Fund - EXFSGS


2016 -3.46








To magnify long-term returns from capital growth by

borrowing to invest in large Australian companies. The

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

Index over rolling seven-year periods before fees and

taxes.


147

XX

XX

X X

XX

XX

Colonial First State Wholesale Imputation Fund - EXFSDE


2016 0.17








To provide long-term capital growth with some tax-

effective income by investing in a broad selection of

Australian companies. The option aims to outperform the

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



Colonial First State Wholesale Index Australian Share Fund - EXCTDE


2016 0.55








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


2016 14.16








To provide long-term capital growth by investing

predominantly in small Australian companies. The option

aims to outperform the S&P/ASX Small Ordinaries




148

XX

XX

X X

XX

XX

Maple-Brown Abbott Wholesale Australian Share - EXMBIM


2016 -8.70








To outperform the S&P/ASX 200 Accumulation Index

before fees and taxes over rolling four-year periods.


Perpetual Industrial Share Option - EXPPIS


2016 -1.61








To provide long-term capital growth and regular income

predominantly through investment in quality Australian

Industrial shares. The option aims to outperform the

S&P/ASX 300 Industrials Accumulation Index over rolling

three-year periods before fees and taxes.


Schroder Australian Equity Option - EXSADE


2016 -5.90









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

investing in a broad range of companies from Australia

and New Zealand.


149

XX

XX

X X

XX

XX

Multi-Manager Property Securities Fund - EXCMPS


2016 23.30








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



BT Property Investment Option - EXROPR


2016 22.85








To provide a return (before fees, costs, and taxes) that

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

over rolling three-year periods.


Colonial First State Wholesale Property Securities Fund - EXFSPR


2016 23.33








To provide medium-to-long term capital growth and

income to the investor by investing in a portfolio of

Australian listed property securities. The option aims to

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

Index over rolling three-year periods before fees and

taxes.


150

XX

XX

X X

XX

XX

Multi-Manager High Growth Fund - EXCMHG


2016 -1.55








To provide long-term capital growth by investing in

growth assets. To outperform the option's composite

benchmark over rolling three-year periods before fees

and taxes.


Colonial First State Wholesale High Growth Fund - EXFSHG


2016 3.81








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

outperform the composite benchmark over rolling three-



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


2016 -1.19











and taxes.


151

XX

XX

X X

XX

XX

Multi-Manager Growth Fund - EXCMGR


2016 0.53








To provide long-term capital growth with less fluctuations

of returns than ‘high growth’ investment options. To

outperform the option's composite benchmark over rolling



BT Active Balanced Option - EXRODI


2016 1.60









and taxes) that exceeds the option's composite

benchmark over rolling three-year periods.


Colonial First State Wholesale Diversified Fund - EXFSDI


2016 2.88








To provide medium-to-long term capital growth. The

option aims to outperform the composite benchmark over

rolling three-year periods before fees and taxes.


152

XX

XX

X X

XX

XX

Multi-Index Balanced Fund - EXCSGR


2016 2.01








To provide capital growth and income over the long-

term. To outperform the option's composite benchmark



Perpetual Balanced Growth Option - EXPPBA


2016 -0.05








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



Multi-Manager Moderate Fund - EXCMMO


2016 1.64








To provide a balance of income and capital growth over

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

composute benchmark over rolling three-year periods



153

XX

XX

X X

XX

XX

Colonial First State Wholesale Balanced Fund - EXFSBA


2016 2.78








To provide long-term capital growth and income. The




Perpetual Diversified Growth Option - EXPPGR


2016 0.20









through investment in a diversified portfolio of growth and

income assets. The option aims to outperform its

composite benchmark over rolling three-year periods



Multi-Manager Conservative Fund - EXCMCO


2016 2.82





Risk: Medium 5 years (%p.a.) 6.49 ●Fixed Interest°°° 30.0%



To provide relatively stable returns over the medium

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

To outperform the option's composite benchmark over



154

XX

XX

X X

XX

XX

Colonial First State Wholesale Conservative Fund - EXFSCS


2016 2.71








To provide long-term capital preservation with an income

focus. The option aims to outperform the composite


and taxes.


Multi-Index Conservative Fund - EXCSCS


2016 3.22













Perpetual Conservative Growth Option - EXPPCO


2016 2.45








To provide moderate growth over the medium term and

income through investment in a diversified portfolio with

an emphasis on cash and fixed income securities. The




155

XX

XX

X X

XX

XX

Multi-Manager Fixed Interest Fund - EXCMFI


2016 7.43








To provide relatively stable returns with low potential for

capital loss by investing in Australian and global fixed

interest securities. To outperform the composite

benchmark of 50% Citigroup World Broad Investment

Grade Index, hedges to Australian dollars and 50%

Bloomberg Ausbond Composite 0+ Yr Index over rolling



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


2016 6.75








To outperform the Bloomberg AusBond Composite 0+ Yr


taxes.


Multi-Manager Defensive Fund - EXCMLR


2016 3.66





Risk: Low 5 years (%p.a.) 5.95 ●Fixed Interest°°° 39.9%




capital loss. To outperform the option's composite


and taxes.


156

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XX

X X

XX

XX

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Colonial First State Wholesale Premium Cash Fund - EXCPCA


2016 1.83





Risk: Very Low 5 years (%p.a.) 2.80 ●Fixed Interest°°° 0.0%

Minimum Suggested Timeframe: No Minimum 10 years (%p.a.) 4.08 ●Cash 100.0%


To outperform (before tax and fees and assuming

income is reinvested) the returns of Australian money

markets as measured by an index of the Reserve Bank

of Australia Cash Rate.


157

XX

XX

X X

XX

XX

Colonial Select Allocated Pension - Closed options

Colonial Australian Equities Fund - EPAEQU


2016 0.70













Colonial Australian Fixed Interest Fund - EPAFIX


2016 6.11





Risk: Low to medium 5 years (%p.a.) 6.42 ●Fixed Interest°°° 98.7%

Minimum Suggested Timeframe: Up to 3 years+ 10 years (%p.a.) 7.04 ●Cash 1.3%






cash options.


Colonial Balanced Fund - EDISCR


2016 2.97













returns.


158

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XX

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XX

XX

Colonial Capital Guaranteed Fund (participating) - ECPGTD


2016 7.22




Investment management fee (% p.a.)6: N/A 2012 7.11 ●Alternatives°° 9.8%


Minimum Suggested Timeframe: Up to 3 years 10 years (%p.a.) 7.13 ●Cash 9.6%







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


2016 4.08













Colonial Capital Safe Fund - ECAPSF


2016 4.34















159

XX

XX

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XX

XX

Colonial Cash Fund - EPACAS


2016 2.45












Colonial First State Wholesale Australian Share Fund - EXFSAS


2016 3.01









investing in a broad selection of Australian companies.


Colonial First State Wholesale Global Health & Biotechnology Fund - EXFSHB


2016 -4.03









investing in companies around the world, whose primary

business is in the field of pharmaceutical, biotechnology,

medical devices, or medical services.


160

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XX

X X

XX

XX

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Colonial First State Wholesale Global Technology & Communications Fund - EXFSTC


2016 -3.48










business is in the field of technology and/or

communications.


Colonial Growth Fund - EGRWTH


2016 2.29





Risk: Medium to high 5 years (%p.a.) 10.30 ●Fixed Interest°°° 2.9%










Colonial International Equities Fund - EPIEQU


2016 -1.56













161

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XX

X X

XX

XX

Colonial Select Personal Superannuation8

Multi-Manager Global Share Fund - SXCMOE


2016 -5.49








To provide long-term capital growth that exceeds the

MSCI All Country World Index over rolling five year



MFS Global Equity Option - SXAMOE


2016 -0.41








To provide capital appreciation over the longer term by

investing in a diversified portfolio of global shares

(unhedged) and to outperform the MSCI World Index

over rolling five year periods, before fees and taxes.


BT Core Global Share Option - SXROOE


2016 -3.78








To provide a portfolio of international investments that

aims to provide a return (before fees, costs and taxes)

that exceeds the MSCI World (ex Australia) Index over

rolling three-year periods


162

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XX

X X

XX

XX

FirstChoice Colonial First State Wholesale Geared Global Share Fund (formerly Colonial First State Wholeale Geared Global Share Fund) - SXFSGG


2016 -8.98








To magnify long-term capital growth by borrowing to

invest in a diversified portfolio of global shares. The

option aims to outperform the MSCI All Country World


taxes.


Colonial First State Wholesale Global Resources Fund - SXFSRE


2016 -3.10

2015 -12.83 ●Australian Shares 0.0%




Risk: Very High 5 years (%p.a.) -6.55 ●Fixed Interest°°° 0.0%

Minimum Suggested Timeframe: 7 years+ 10 years (%p.a.) -1.18 ●Cash 2.1%



investing in resource companies from around the world.

The option aims to outperform the Euromoney Global

Mining Accumulation (75%) and the MSCI All Country

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



Colonial First State Wholesale Worldwide Leaders Fund (formerly Colonial First State Wholesale Global Share Fund) - SXFSOE


2016 9.03








To provide long-term capital growth by investing in a

diversified portfolio of shares from around the world.


163

XX

XX

X X

XX

XX

Colonial First State Wholesale Index Global Share Fund - SXCTOE


2016 -1.01








To closely track the MSCI World (ex Australia) Index



world sharemarkets as measured by

that benchmark (unhedged) over rolling one-year

periods.


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


2016 -5.63








To provide long-term capital growth from a diversified

portfolio of predominantly Asian companies. To

outperform the MSCI All Country Asia (ex Japan) Index



Multi-Manager Australian Share Fund - SXCMDE


2016 -2.54








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-



164

XX

XX

X X

XX

XX

Ausbil Australian Active Equity Option - SXCSDE


2016 1.26








To provide long-term growth with moderate tax-effective

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




BT Core Australian Share Option - SXRODE


2016 -0.62












Colonial First State Wholesale Australian Share Fund - Core - SXCPAS


2016 0.09









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



165

XX

XX

X X

XX

XX

Colonial First State Wholesale Geared Share Fund - SXFSGS


2016 -3.54








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


2016 0.06










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


2016 0.30








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



Australian sharemarket as measured by that benchmark

over rolling one-year periods.


166

XX

XX

X X

XX

XX

Colonial First State Wholesale Small Companies Fund - Core - SXCPSC


2016 12.95








To provide long-term capital growth by investing

predominantly in small Australian companies. The option

aims to outperform the S&P/ASX Small Ordinaries




Maple-Brown Abbott Wholesale Australian Share - SXMBIM


2016 -8.26









before fees and taxes over rolling four-year periods.


Perpetual Industrial Share Option - SXPPIS


2016 -1.76









predominantly through investment in quality Australian

Industrial shares. The option aims to outperform the

S&P/ASX 300 Industrials Accumulation Index over rolling



167

XX

XX

X X

XX

XX

Schroder Australian Equity Option - SXSADE


2016 -5.70









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 - SXCMPS


2016 20.71








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



BT Property Investment Option - SXROPR


2016 20.84












168

XX

XX

X X

XX

XX

Colonial First State Wholesale Property Securities Fund - SXFSPR


2016 21.01








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 - SXCMHG


2016 -1.21











and taxes.


Colonial First State Wholesale High Growth Fund - SXFSHG


2016 3.60








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

outperform the composite benchmark over rolling three-



169

XX

XX

X X

XX

XX

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


2016 -1.17











and taxes.


Multi-Manager Growth Fund - SXCMGR


2016 0.45








To provide long-term capital growth with less fluctuations

of returns than ‘high growth’ investment options. To

outperform the option's composite benchmark over rolling



BT Active Balanced Option - SXRODI


2016 1.57












170

XX

XX

X X

XX

XX

Colonial First State Wholesale Diversified Fund - SXFSDI


2016 2.61








To provide medium-to-long term capital growth. The




Multi-Index Balanced Fund - SXCSGR


2016 1.81








To provide capital growth and income over the long-

term. To outperform the option's composite benchmark



Perpetual Balanced Growth Option - SXPPBA


2016 -0.11








To provide long-term capital growth and income through

investment in a diversified portfolio with an emphasis on

Australian and international share investments. The




171

XX

XX

X X

XX

XX

Multi-Manager Moderate Fund - SXCMMO


2016 1.42








To provide a balance of income and capital growth over

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

composute benchmark over rolling three-year periods



Colonial First State Wholesale Balanced Fund - SXFSBA


2016 2.37








To provide long-term capital growth and income. The




Perpetual Diversified Growth Option - SXPPGR


2016 0.09









through investment in a diversified portfolio of growth and

income assets. The option aims to outperform its

composite benchmark over rolling three-year periods



172

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XX

X X

XX

XX

Multi-Manager Conservative Fund - SXCMCO


2016 2.47













Colonial First State Wholesale Conservative Fund - SXFSCS


2016 2.35








To provide long-term capital preservation with an income

focus. The option aims to outperform the composite


and taxes.


Multi-Index Conservative Fund - SXCSCS


2016 2.76













173

XX

XX

X X

XX

XX

Perpetual Conservative Growth Option - SXPPCO


2016 2.11








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


2016 6.50









capital loss by investing in Australian and global fixed

interest securities. To outperform the composite

benchmark of 50% Citigroup World Broad Investment

Grade Index, hedges to Australian dollars and 50%

Bloomberg Ausbond Composite 0+ Yr Index over rolling



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


2016 5.77








To outperform the Bloomberg AusBond Composite 0+ Yr


taxes.


174

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XX

X X

XX

XX

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Multi-Manager Defensive Fund - SXCMLR


2016 3.19









capital loss. To outperform the option's composite


and taxes.


Colonial First State Wholesale Premium Cash Fund - SXCPCA


2016 1.55





Risk: Very Low 5 years (%p.a.) 2.36 ●Fixed Interest°°° 0.0%

Minimum Suggested Timeframe: No Minimum 10 years (%p.a.) 3.46 ●Cash 100.0%


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.


175

XX

XX

X X

XX

XX

Colonial Select Personal Superannuation - Closed options

Colonial Australian Equities Fund - SPAEQU


2016 0.41













Colonial Australian Fixed Interest Fund - SPAFIX


2016 5.25












cash options.


Colonial Balanced Fund - SDISCR


2016 2.51













returns.


176

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XX

X X

XX

XX

Colonial Capital Guaranteed Fund (participating) - SCPGTD


2016 5.62













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


2016 4.36













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


2016 3.85













177

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XX

X X

XX

XX

Colonial Capital Safe Fund - SCAPSF


2016 3.44















Colonial Cash Fund - SPACAS


2016 2.16












Colonial Consensus Managed Fund - SXCCNM


2016 2.62













returns.


178

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XX

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XX

XX

Colonial Consensus Stable Fund - SXCCMS


2016 3.54















Colonial First State Wholesale Australian Share Fund - SXFSDE


2016 2.69











Colonial First State Wholesale Global Health & Biotechnology Fund - SXFSHB


2016 -4.14










business is in the field of pharmaceutical, biotechnology,

medical devices, or medical services.


179

XX

XX

X X

XX

XX

Colonial First State Wholesale Global Technology & Communications Fund - SXFSTC


2016 4.30










business is in the field of technology and/or

communications.


Colonial Growth Fund - SGRWTH


2016 1.87















Colonial International Equities Fund - SPIEQU


2016 -1.49













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XX

XX

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Colonial Property Fund - SXCPRO


2016 10.11












time periods.


181

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XX

X X

XX

XX

Colonial Personal Superannuation Portfolio8



2016 0.41















2016 5.25












cash options.




2016 2.51













returns.


182

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XX

X X

XX

XX



2016 5.62















2016 3.44

















2016 2.16












183

XX

XX

X X

XX

XX

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2016 1.87

















2016 -1.49













184

XX

XX

X X

XX

XX

CPSL MasterFund Superannuation8



2016 0.41













Colonial First State Wholesale Australian Share Fund - SXFSDE


2016 2.69











BT Core Australian Share Option - SXRODE


2016 -0.62












185

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XX

X X

XX

XX

BT Property Investment Option - SXROPR


2016 20.84














2016 5.25












cash options.


186

XX

XX

X X

XX

XX

BT Active Balanced Option - SXRODI


2016 1.57














2016 2.51













returns.




2016 5.62













187

XX

XX

X X

XX

XX



2016 3.44

















2016 2.16














2016 1.87















188

XX

XX

X X

XX

XX

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2016 -1.49













189

XX

XX

X X

XX

XX

Colonial Flexible Income Retirement Plan8

BT Active Balanced Option - FEXRODI


2016 1.60








To provide a return (before fees, costs and taxes) that

exceeds the option’s benchmark over the medium-to-

long term.


BT Core Australian Share Option - FEXRODE


2016 -0.62








To provide a return (before fees, costs and taxes) that

exceeds the S&P/ASX 300 Accumulation Index over the

medium-to-long term.


BT Property Investment Option - FEXROPR


2016 22.85










over the medium to long term.


190

XX

XX

X X

XX

XX

Colonial Australian Equities Fund - FEPAEQU


2016 0.70








To provide long-term capital growth through investing

predominately in shares of Australian listed companies.

This investment option is suited to investors seeking high

returns who are prepared to accept volatility of returns.

This relates to a unit-linked product.


Colonial Australian Fixed Interest Fund - FEPAFIX


2016 6.11








To provide income with the potential for higher returns

than cash through investment in fixed interest

investments. This investment option is suited to investors

who want a reasonable level of security with the potential

to provide higher returns than cash options. This relates

to a unit-linked product.


Colonial Balanced Fund - FEDISCR


2016 2.97








To provide income and growth with a focus on capital

appreciation. This investment option is weighted towards

equity investments and is suited to investors who are

prepared for volatile investment returns. This relates to a

unit-linked product.


191

XX

XX

X X

XX

XX

Colonial Capital Guaranteed Fund (participating) - FECPGTD


2016 7.22













Colonial Capital Safe Fund - FECAPSF


2016 4.34








To provide a reasonably high level of security and

consistent returns. This investment option is weighted

towards fixed interest and cash investments and is suited

to investors who want returns that are less volatile than

options with a greater bias to growth investments. This

relates to a unit-linked product.


Colonial Cash Fund - FEPACAS


2016 2.45








To provide the highest level of security. This investment

option is suited to investors who want a high degree of

security. This relates to a unit-linked product.


192

XX

XX

X X

XX

XX

Colonial First State Wholesale Imputation Fund - FEXFSDE


2016 0.17










Australian companies.


Colonial Growth Fund - FEGRWTH


2016 2.29








To provide significant growth from capital appreciation

supported by income. This investment option is suited to

investors seeking high returns and who are prepared to

accept volatility of returns. This relates to a unit-linked

product.


Colonial International Equities Fund - FEPIEQU


2016 -1.56








To provide long-term capital growth through investing

predominately in overseas listed companies. This

investment option is suited to investors seeking high

returns and who are prepared to accept volatility of

returns. This relates to a unit-linked product.


193

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XX

X X

XX

XX

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


2016 -5.96








To outperform the MSCI All Countries Asia ex-Japan

Index over the medium to long term.


for the year ending 30 june 2016 investment performance ... · via issued units within the colonial...

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