Disclaimer for performance figures and earning rates

Performance figures

The returns shown are the returns applicable to members who were members at the beginning and end of the period and who did not initiate any transactions during the period. Returns are shown before taxes and after fees. Past performance is not a reliable indicator of future performance; the value of your investment can rise or fall.

Limited performance figures:

• The IRIS Cash, Australian Shares, Sustainable Australian Shares and International Shares Options were established on 1 July 2008;
• The IRIS Property Option was established on 29 August 2003; and
• The IRIS Diversified Fixed Interest Option was established on 30 September 2004 thus limited performance history is available.

Super Members Investments Limited, as Responsible Entity for the IRIS Term Allocated Pension, invests in identical asset pools as the IRIS Super Income Stream. The IRIS Term Allocated Pension has been operating since 25 February 2005. To give a longer term view of performance in this option, we have shown the returns for the IRIS Super Income Stream.

Benchmarks for all options:

• IRIS Defensive Option: 60% Intech Conservative Growth Gross Investor Index, 40% UBS Australian Bank Bill Index (adjusted for IRIS Defensive Option Management Fee)
• IRIS Conservative Option: Intech Conservative Growth Gross Investor Index (adjusted for IRIS Conservative Option Management Fee)
• IRIS Growth Option: Intech Growth Gross Investor Index (adjusted for IRIS Growth Option Management Fee)
  
• IRIS High Growth Option: Intech High Growth Gross Investor Index (adjusted for IRIS High Growth Option Management Fee)
• IRIS Cash Option: UBSA Bank Bill Index (adjusted for IRIS Cash Option Management Fee)
  
• IRIS Diversified Fixed Interest Option: 75% UBS Warburg Australian Composite Bond All Maturities Index, 25% Global Lehman Aggregate Bond Index (adjusted for IRIS Diversified Fixed Interest Option Management Fee)
• IRIS Property Option: 50% S&P/ASX 300 Property Trust Accumulation Index and 50% Australian Unlisted Property Index (Intech) (adjusted for IRIS Property Option Management Fee)
• IRIS Australian Shares Option: S&P/ASX 200 Accumulation Index (adjusted for IRIS Australian Shares Option Management Fee)
• IRIS Sustainable Australian Shares Option: S&P/ASX 300 Accumulation Index (adjusted for IRIS Sustainable Australian Shares Option Management Fee)
• IRIS International Shares Option: 70% MSCI World ex-Australia Index (unhedged), 30% MSCI World ex-Australia (hedged) (adjusted for IRIS International Shares Option Management Fee)

Source: Intech Research Pty Ltd (Intech). Each Intech Investor Index comprises options that have a similar asset mix to each respective IRIS Option. Each Intech Investor Index is calculated by compounding average monthly returns of options contained within the Index universe. These indices also take into account returns of non-survivors. The tables were prepared using information provided by a third party. While the information is believed to be accurate, Intech does not accept any responsibility for any inaccuracy or for the investment decisions or any other actions taken by any person on the basis of the information included. Intech has not been involved in the preparation, authorised, or caused the issue of this material. All Intech Investor Indices have been adjusted by each individual IRIS Options MER. The MER represents a combination of all ongoing fees on a per annum basis.