From our investment menu you can select from

• 11 highly rated Australian and overseas Fund Managers
• 8 low cost index options
• 9 pre-mixed diversified options; or
• Build your own portfolio from our 18 sector options

Low Cost Index Funds – Diversified

Benefit Fund Details	Invests Into
Fund No. 1 Conservative Indexed	Vanguard Conservative Index Fund
Fund No. 2 Balanced Indexed	Vanguard Balanced Index Fund
Fund No. 3 Growth Indexed	Vanguard Growth Index Fund
Fund No. 4 High Growth Indexed	Vanguard High Growth Index Fund

Low Cost Index Funds – Sector Specific

Benefit Fund Details	Invests Into
Fund No. 5 Fixed Interest Indexed	Vanguard Fixed Interest Index
Fund No. 6 Aust. Property Securities Indexed	Vanguard Aust. Property Sec. Index Fund
Fund No. 7 Australian Shares Indexed	Vanguard Australian Shares Index Fund
Fund No. 8 International Shares Indexed	Vanguard International Shares Index Fund

Premium Funds – Diversified

Benefit Fund Details	Invests Into
Fund No. 9 Conservative	Russell Conservative Fund Class A
Fund No. 10 Balanced	Russell Balanced Fund Class A
Fund No. 11 Growth	Russell Growth Fund Class A
Fund No. 12 High Growth	Russell High Growth Fund Class A
Fund No. 13 Active Diversified Geared	MLC Wholesale Inflation Plus Assertive Portfolio

Premium Funds – Sector Specific

Benefit Fund Details	Invests Into
Fund No. 14 Australian Cash	Russell Australian Cash Fund Class A
Fund No. 15 Term Deposit	Managed by KeyInvest Ltd
Fund No. 16 Active Cash	Smarter Money Active Cash Fund
Fund No. 17 Fixed Interest	Schroder Fixed Income Fund Wholesale Class
Fund No. 18 Australian Property Securities	MLC Wholesale Property Securities Fund
Fund No. 19 Infrastructure	Magellan Infrastructure Fund
Fund No. 20 Australian Shares	Fidelity Australian Shares Fund
Fund No. 21 Australian Shares Multi	Russell Australian Shares Fund Class A
Fund No. 22 Australian Shares Value	Investors Mutual Australian Share Fund
Fund No. 23 Australian Shares Industrial	Investors Mutual Industrial Share Fund
Fund No. 25 Australian Shares Geared	Perpetual Wholesale Geared Aust. Shares Fund
Fund No. 26 International Shares Multi	Russell International Shares Fund Class A
Fund No. 27 International Shares	Magellan Global Fund