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.

The IRIS Super Income Stream and IRIS Term Allocated Pension invest in identical asset pools and therefore, the performance figures shown apply to both products. However, the IRIS Term Allocated Pension has only been operating since 25 February 2005, so any performance shown prior to this date is applicable to the IRIS Super Income Stream.

Benchmarks for all options:

• Defensive: 60% Intech Conservative Growth Gross Investor Index and 40% UBSA Bank Bill Index (adjusted for the IRIS Defensive Option Management Fee)
• Conservative: Intech Conservative Growth Gross Investor Index (adjusted for the IRIS Conservative Option Management Fee)
• Growth: Intech Growth Gross Investor Index (adjusted for the IRIS Growth Option Management Fee)
• High Growth: Intech High Growth Gross Investor Index (adjusted for the IRIS High Growth Option Management Fee)
• Cash: UBSA Bank Bill Index (adjusted for the IRIS Cash Option Management Fee)
• Diversified Fixed Interest: 50% UBSA Composite Bond All Maturities Index and 50% Barclays Global Aggregate Bond Index hedged into AUD (adjusted for IRIS Diversified Fixed Interest Option Management Fee)
• Property: 20% Intech Australian Unlisted Property Index, 40% S&P/ASX 300 Listed Property Accumulation Index and 40% UBS Global Real Estate Investors ex-Australia Index hedged into AUD (adjusted for IRIS Property Option Management Fee)
• Australian Shares: S&P/ASX 200 Accumulation Index (adjusted for the IRIS Australian Shares Option Management Fee)
• Sustainable Australian Shares: S&P/ASX 200 Accumulation Index (adjusted for the IRIS Sustainable Australian Shares Option Management Fee)
• International Shares: 66.6% MSCI World ex-Australia Index (unhedged in AUD) and 33.3% MSCI World ex-Australia Index (hedged into AUD) (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.