Capital Guarded investment option

Capital Guarded
Strategic asset allocation			25% growth assets** 75% income assets**
Investment objective and target return*	This option aims to achieve consistent returns with an emphasis on income assets. CPI + 2.75% pa over rolling 5 year periods net of tax and fees.
Risk profile	Low risk
Target asset class allocation
Investment time horizon	Short to medium term (up to 3 years)

* NOTE: The investment objective and target return do not constitute a forecast or guarantee of future performance or the future rates of return of the investment option.

**Prior to 1 October 2011 the strategic asset allocation for this option was 30% growth and 70% defensive. The change to the strategic asset allocation will be implemented from 1 October 2011 but achieved over time.

^#Alternative assets consist of both growth and defensive assets.

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Pre-mixed

High Growth
Diversified
Balanced
Capital Guarded

Single asset class

Australian Equities
Australian Socially Responsible Equities
International Equities
Property
Australian Fixed Interest
International Fixed Interest
Cash