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Factsheet: 1 July 2015 Your investment options: Cash The information in the document forms part of the Product Disclosure Statement (PDS) for the Mine Wealth and Wellbeing Superannuation Fund. Australian Shares International Shares Property Alternatives Bonds Term Deposit Cash Cash asset investmentment 100% CASH AND CASH EQUIVALENTS, SUCH AS BANK BILLS, TERM DEPOSITS AND CASH MANAGEMENT ACCOUNTS 100.0% About Cash What are the investment return objectives? Invested in short term fixed interest assets, such as bank bills. ++ The long-term investment objective is to achieve a return exceeding the increase in the Consumer Price Index (CPI) by at least 1% pa, after tax and investment costs, over any ten year period. Cash is a defensive asset, as it’s expected to maintain the value of the principal investment but has relatively low returns. ++ The short-term investment objective, being 0 to 3 years, is to match the inflation rate, measured by the CPI, after tax and investment costs. Who is Cash suitable for? Suitable for people who wish to invest their super or pension for less than three years. ++ We also seek to exceed the return of the RBA Cash Rate by 0.5% pa over each year. This is before tax but after fees. What assets does Cash invest in? When you invest in cash you effectively lend money to a company or government body and earn interest. These investments are much like bonds, except the time invested is much shorter, ranging from one day to less than a year. What’s the minimum time you should invest in Cash? Cash is a short-term investment not suitable for investors who have more than three years to invest their super. < Less than 3 years Investment term 1 year 3 years 5+ years Short Medium Long Cash’s standard risk measure^ Cash’s risk level is very low. The table below shows the estimated number of annual negative returns over any 20 year period. These negative returns can be experienced several years apart or several years in a row within the 20 year period. Cash’s standard risk measure^ Risk band/ Risk label 1 - Very low 0 2 - Low 0.5 3 - Low-medium 1 4 - Medium 2 5 - Medium-high 3 6 - High 4 Estimated number of annual negative returns over any 20 year period 7 - Very high 6+ How has Cash performed? For the latest investment returns and market commentary go to www.mine.com.au * What to look for in investment performance? As Cash is the least risky investment option, investors should expect to preserve their capital but to also experience low long term returns. As such, Cash isn’t suitable for investors who have many years left to invest their super and have time to ride out the ups and downs of riskier investment options that aim to deliver higher returns. What does this mean for my investment choice? When deciding which investment option is right for you, it’s important to focus on how much time you have to invest, how much risk you’re comfortable with and how much super you need for retirement. Our Five Step Guide to Investing fact sheet takes you through these concepts to help you work out the best choice for you. If you’re still unsure about the right investment option for you, you should talk to your financial adviser. How we invest your money We appoint professional investment managers to invest your money within strict guidelines. We regularly review their performance and can remove managers and add new ones. Visit www.mine.com.au for a list of our investment managers. Take action Learn about making an investment choice Complete the Investment Basics workbook to learn about making an investment choice, which you can download from our website. Make an investment choice Read the Making an Investment Choice fact sheet then log in to your Member Account at www.mine.com.au with your member number and password. If you don’t want to make a choice we’ll invest your money in the default investment option. For super members this is the Lifecycle Strategy and for pension members the Capital Guarded investment option. Need more information or advice? If you have any questions or need help call us on 13 MINE (13 64 63), Monday to Friday, 8am to 6pm (AEST or AEDST when in operation) or email [email protected] Mine Wealth + Wellbeing Financial Advice can provide you with free phone advice about investing your super. * Past performance isn’t necessarily an indication of future performance. ^ We’ve measured risk using the super industry’s standard risk measure so you can compare investment options between different funds. The standard risk measure describes risk based on the number of negative annual returns expected over any 20 year period. It’s calculated using a simulated model that takes into account factors that may affect returns. This isn’t a complete assessment of investment risk, as it doesn’t show the size of negative returns, whether you’ll meet your investment objective or the impact of fees and taxes on your returns. The real world is complex and not always rational. This means mathematical theories may not always play out in practice. You need to be comfortable with the risk and potential losses of your chosen investment options. Visit www.mine.com.au for more information about the standard risk measure, the Trustee’s risk assessment methodology and other types of investment risk. t 13 MINE (13 64 63) | f +61 (2) 4962 3469 | e [email protected] | mine.com.au This is general information only and does not take into account your financial situations, needs or objectives. Before acting, you should consider whether the information is appropriate for you and read our Product Disclosure Statement (PDS). If there’s any inconsistency between this document and the PDS or Trust Deed the terms of the PDS or Trust Deed prevail. This information is based on our understanding of current Australian laws and assumes they will remain unchanged. Issued by AUSCOAL Superannuation Pty Ltd ABN 70 003 566 989 AFSL 246 864 Trustee for Mine Wealth and Wellbeing Superannuation Fund ABN 16 457 520 308. Mine Wealth + Wellbeing Financial Advice is a trading name of Mine Wealth and Wellbeing Services Pty Ltd ABN 49 051 315 014 a Corporate Authorised Representative of Adviser Network Pty Ltd ABN 25 056 310 699 AFSL 232729. 10-11-003/CAN150700M/280515