Investment management fees

These are the fees and costs associated with investing the Fund’s assets. They include fees charged by the product issuer, fees paid to external investment managers and other expenses incurred in investing the assets (excluding transaction costs).

Investment costs are deducted from the investment earnings returned to members and this deduction is made before the unit price is determined. They are therefore reflected in the unit price and no actual fee is deducted from your account.

Managed options Estimated at Diversified Shares 0.67% Growth 0.77% Balanced 0.74% Socially Responsible Balanced 0.75% Conservative Balanced 0.63% Conservative 0.47%

Build your own options Estimated at Australian Shares 0.52% International Shares 0.83% Diversified Property 0.72% Diversified Fixed Interest 0.30% Cash 0.05%