Long term performance

Annual Plan Performance 2015-2016

Accumulation Division

Share Option Growth Option Conservative Option Cash Option
Earning Rate1 1.3% 1.7% 2.5% 2.1%
Crediting Rate2 1.2% 1.5% 2.3% 1.9%

1 These rates have not been adjusted for the annual administration fee of 0.1%.

2 The rate credited to members' accounts has been adjusted for the annual administration fee of 0.1%.

Pension Division

Share Option Growth Option Conservative Option Cash Option
Earning Rate1 1.7% 2.0% 3.0% 2.4%
Crediting Rate2 1.5% 1.8% 2.8% 2.2%

1 These rates have not been adjusted for the annual administration fee of 0.2%.

2 The rate credited to members' accounts has been adjusted for the annual administration fee of 0.2%.

Past Performance Table - Accumulation Division

On a year by year basis, the performance of each option will fluctuate. The table below shows the performance of each option, as a percentage per annum, for the past 5 years. These results are all before the Plan's administration asset fee of 0.1%pa is deducted.

 

Year ending 30 June Share Option Growth Option Conser­vative Option Cash Option
2016 1.3% 1.7% 2.5% 2.1%
2015 10.6% 9.0% 6.2% 2.6%
2014 17.5% 13.7% 8.2% 2.4%
2013 24.4% 19.4% 9.3% 2.8%
2012 -3.4% 0.2% 5.0% 4.3%

When looking at investment returns and the various options available, you should remember that past performance is not an indicator of future performance. Investment returns are volatile and may go up and down, sometimes quickly.

Return over one, five and ten years

 


Share Option
100% Growth
 


Growth Option
70% Growth
30% Defensive


Conservative Option
30% Growth
70% Defensive


Cash Option
100% Defensive
 

  Accumulation Crediting Rate1 Pension Crediting Rate2 Accumulation Crediting Rate1 Pension Crediting Rate2 Accumulation Crediting Rate1 Pension Crediting Rate2 Accumulation Crediting Rate1 Pension Crediting Rate2
12 months 1.2% 1.5% 1.5% 1.8% 2.3% 2.8% 1.9% 2.2%
5 years 9.5% 10.8% 8.4% 9.4% 6.1% 6.9% 2.7% 3.1%
10 years 4.7% N/A 5.4% N/A 4.3% N/A 3.7% N/A

1 The Plan Crediting Rates are after tax and after Indirect Cost Ratio.
2 The Pension Crediting Rates are before tax and after Indirect Cost Ratio.
Note: a listing of Fees is available in the Product Disclosure Statement.