Super investment options

Cash Savings

Conservative

Growth (Cbus Choice)

High Growth

Risk/return

Temp 2

Temp 3

Temp 4

Temp 5

Objectives

Deliver an after tax return of inflation plus:

1% a year over rolling five year periods

Deliver an after tax return of inflation plus:

2% a year over rolling five year periods

Deliver an after tax return of inflation plus:

3.5% a year over rolling five year periods

Deliver an after tax return of inflation plus:

4% a year over rolling 12 year periods

Likelihood of negative annual returns:

Negligible in 20 years

Likelihood of negative annual returns:

Less than 1 in 20 years

Likelihood of negative annual returns:

2.5 in 20 years

Likelihood of negative annual returns:

4 in 20 years

Asset range and strategic asset mix
(from 1/7/2011)

Pie 2

	Range	Strategic Asset Mix
Cash	0-100%	100%

Pie 3

	Range	Strategic Asset Mix
Australian shares	10-20%	13.5%
International shares	5-15%	9.0%
Alternative assets	0-10%	4.0%
Property	2-12%	7.0%
Australian fixed interest	12-32%	18%
International fixed interest	0-20%	9%
Cash	30-50%	39.5%

Pie 4

	Range	Strategic Asset Mix
Australian shares	25-45%	35.0%
International shares	12.5-32.5%	22.5%
Alternative assets	10-30%	20.0%
Property	3.5-23.5%	13.5%
Australian fixed interest	0-10%	4.0%
International fixed interest	0-10%	2.0%
Cash	0-10%	3.0%

Pie 5

	Range	Strategic Asset Mix
Australian shares	44-55	50.0%
International shares	25-35	30.0%
Alternative assets	5-15	10.0%
Property	5-15	10.0%

Past Performance

Average return over five years (p.a)¹

This figure is unavailable as this option was introduced on 1 April 2009.

4.9%

3.1%

1.9%

Average Return over 10 years (p.a)¹

This figure is unavailable as this option was introduced on 1 April 2009.

5.9%

5.8%

4.7%

Average Return since inception (p.a)¹

3.6%
(1/4/2009)

6.0%
(1/10/1999)

9.1%
(1/7/1984)

5.9%
(1/1/1998)

For all investment option objectives: Cbus expects all investment options to achieve their targeted after tax returns 75 per cent of the time. A further objective is for all options to achieve an above average return against comparable funds as measured over five year periods.

¹Average returns are to the period ending 30 June 2011

Investment warning: Investment returns can go up and down. Past performance is not necessarily indicative of future performance.

Risk Level: The Risk Level is based on an industry wide Standard Risk Measure, which relates to the number of expected negative annual returns over a 20 year period.

Risk band: The Standard Risk Measure ranges across seven risk bands, from 1 (very low risk) to 7 (very high risk). The Standard Risk Measure is not a complete

assessment of all forms of investment risk. For more information about the Standard Risk Measure, go to www.cbussuper.com.au/risk