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Asset Mix:

These are the assets that the investment statement says the fund invests in. It shows the minimum and maximum levels for each type of asset. It is not necessarily the current mix of assets. If the investment statement does not give minimum and maximum levels but a "benchmark" level, then the minimum and maximum levels are shown as the same.

Pre-tax Performance

The first table show the yearly performance in percentages per annum, after we have adjusted the published performance for all fees and expenses. The second table shows what the provider has published as the fund's performance. These are pre-tax performance figures - actual performance will be less after tax has been deducted. To read more about performance, click here.

Fees and Expenses

There are 3 types of fees and expenses. Fixed dollar fees: these are either charged on a monthly basis as member or administration fees (we show the yearly amount) or are charged as a once off on certain events like switching funds within the scheme. Percentage based fees: these are charged on a monthly basis (again we show the per annum amount), as a percentage of your fund balance, and go to pay the investment manager and trustee. And finally expenses: these are expenses like audit costs, and we have shown them on a percentage per annum basis. To read more about fees and expenses, click here.