Master Trust

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OPTIONS AND PROFILES

New investment menu We have streamlined our menu of investment options from 1 July 2008. This streamlining has meant some changes to the options that were previously available. For more information on those changes, please see Corporate Super and Personal Super – investment changes 2008 or Pension – investment changes 2008. Investment profiles for options in the ‘old’ menu are available here.

Corporate Super and Personal Super
Pension

Corporate Super and Personal Super

There are two categories of options – Pre-mixed and Sector. Together, they offer you a wide choice of investment options, with varying levels of risk and return. You can choose one or a mix of options to suit your personal needs and preferences.

The Pre-mixed category offers a convenient, ready-made solution with options ranging from more aggressive (High Growth) to more conservative (Secure). Pre-mixed options invest across different asset classes in a pre-determined weighting and with automatic rebalancing, so you do not have to make adjustments when market conditions change. There’s also a choice of index and active management styles.

The Sector category offers a ‘pick and mix’ menu across asset classes. These options are suitable for investors who want to structure a particular mix of asset classes for their investment portfolio and choose how much money to invest in each sector. Please note that a number of Sector options will not be available for new investment until October 2008 – these options are marked with an asterisk (*) in the table below.

Investment strategies

Your Product Disclosure Statement has details of the investment strategies of each option.

Mix and match

You can mix and match the options any way you like as long as you have a minimum of 5% of your account balance in any one chosen option. You can make different choices for your current super balance and for future contributions.

Making your investment choice

To make your investment choice, send us a completed Corporate Super: Change member details and options form or Personal Super: Change member details and options form.

If you don't make a choice, the trustee will automatically invest your super in the default option chosen by your employer, or the Pre-mixed Balanced – Index option if no default option has been chosen or you have joined as a member of Personal Super.

Changing your investment choice

Log in to your account online or send us a completed Corporate Super: Change member details and options form, Personal Super: Change member details and options form or Switch investment options – current members form.

Pension

There are two categories of options – Pre-mixed and Sector. Together, they offer you a wide choice of investment options, with varying levels of risk and return. You can choose one or a mix of options to suit your personal needs and preferences.

The Pre-mixed category offers a convenient, ready-made solution with options ranging from more aggressive (High Growth) to more conservative (Secure). Pre-mixed options invest across different asset classes in a pre-determined weighting and with automatic rebalancing, so you do not have to make adjustments when market conditions change. There’s also a choice of index and active management styles.

The Sector category offers a ‘pick and mix’ menu across asset classes. These options are suitable for investors who want to structure a particular mix of asset classes for their investment portfolio and choose how much money to invest in each sector. Please note that a number of Sector options will not be available for new investment until October 2008 – these options are marked with an asterisk (*) in the table below.

Investment menu from 1 July 2008

Pre-mixed   Sector   High Growth - Index High Growth - Active Growth – Index Growth – Active Balanced – Index Balanced – Active Capital Stable – Index Capital Stable – Active Secure – Index Secure – Active   Australian Shares – Index Australian Shares – Diversified Australian Shares – Core* International Shares – Index International Shares – Index ($A hedged) International Shares – Diversified International Shares – Core* International Shares – Core ($A hedged)* Property – Australian Index Property – Diversified Fixed Interest – Australian Index Fixed Interest – International Index ($A hedged) Fixed Interest – Diversified Fixed Interest – Australian* Fixed Interest – International ($A hedged)* Cash Diversified – Maple-Brown Abbott   * Open to new investment from October 2008.

Investment strategies

The Pension Product Disclosure Statement has details of the investment strategies of each option.

Mix and match

You can mix and match the options any way you like as long as you have a minimum of 5% of your account balance in any one chosen option.

Making your investment choice

To make your investment choice, complete the investment section in the application form in the Pension Product Disclosure Statement or a Pension: Change member details and options form and send your completed form to us.

If you don't make a choice, the trustee will automatically invest your super in the Pre-mixed Secure – Active option.

Changing your investment choice

Send us a completed Pension: Change member details and options form or Pension: Switching investment options - current members from.