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Member Investment Choice - a snapshot of the options

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Please refer to your PDS for additional information.

	High Growth	Growth	Stable Growth	Conservative Growth	Cash	Australian Shares	International Shares
Primary Objective (CPI = Consumer Price index)	A return, after tax and fees, which exceeds CPI increases by at least 5.5% p.a. over rolling seven-year periods.	A return, after tax and fees, which exceeds CPI increases by at least 4.5% p.a. over rolling five-year periods.	A return, after tax and fees, which exceeds CPI increases by at least 2.5% p.a. over rolling four-year periods.	A return, after tax and fees, which exceeds CPI increases by at least 1.5% p.a. over rolling three-year periods.	A return, after tax and fees, which exceeds CPI increases by at least 1% p.a. over rolling three-year periods.	A return, after tax and fees, which exceeds CPI increases by at least 6% p.a. over rolling seven-year periods.	A return, after tax and fees, which exceeds CPI increases by at least 6% p.a. over rolling seven-year periods.
Investment Strategy	100% in growth assets	80% in growth assets 20% in defensive assets	50% in growth assets 50% in defensive assets	30% in growth assets 70% in defensive assets	100% in cash	100% in Australian shares	100% in International shares
This option may suit members who...	accept it involves a higher level of risk to achieve greater returns in the long term	accept it involves a medium risk level to achieve moderately higher returns over the medium and longer term	want to maintain some exposure to growth assets, balanced by a similar exposure to defensive assets	are approaching retirement or who are generally risk adverse, but want to maintain some growth potential	have a short investment horizon. It provides higher capital security but usually much lower returns than the other options over most periods	want to invest in sharemarkets and accept the higher risk for greater long term returns	want to invest in sharemarkets and accept the higher risk for greater long term returns
Risk / Return Profile	Returns can be very volatile in the short to medium term but historically, these investments have offered the highest long-term returns	Returns can be somewhat volatile over the short to medium term but are generally less volatile than the High Growth option	There may be some volatility in returns in the short term but it tends to be stable over longer periods	Generally less volatility in the short term but usually modest returns over longer periods	Relatively low investment returns, but no risk of negative returns. It is rarely suitable for ensuring your super will grow (including in retirement) but may be suitable for preserving your capital	Returns can be very volatile over the short to medium term but historically, these investments have offered the highest long-term returns	Returns can be very volatile over the short to medium term but historically, these investments have offered the highest long-term returns
Expected frequency of negative returns in 20 years	5.2 5.0 (income stream)	4.2 3.9 (income steam)	2.8 2.3 (income stream)	1.6 1.1 (income stream)	0.0 0.0 (income stream)	5.2 4.8 (income stream)	5.9 6.0 (income stream)
Investment time frame	7+ years	5+ years	3 to 5 years	2 to 4 years	0 to 3 years	7+ years	7+ years
Strategic Asset Allocation (as at 1 January 2011)
Australian Shares	54%	36%	20%	12%	0%	100%	0%
International Shares	36%	24%	10%	8%	0%	0%	100%
Property	0%	10%	10%	10%	0%	0%	0%
Infrastructure	5%	5%	5%	0%	0%	0%	0%
Growth Alternatives	5%	5%	5%	0%	0%	0%	0%
Diversified Fixed Income	0%	13%	30%	40%	0%	0%	0%
Cash	0%	2%	15%	20%	100%	0%	0%
Defensive Alterantives	0%	5%	5%	10%	0%	0%	0%