|Insight Dec 2016||Insight Sep 2016|
|Insight June 2016||Insight March 2016|
Your choice of investment option could have a big impact on Member Savings account balance, so choose carefully and seek licensed financial advice!
|Cash Return Member Savings||Market Return Member Savings|
|This option may be suitable if seeking to protect your savings, avoid having a negative Crediting Rate, and not seeking higher growth over longer periods of time. Selecting this option will avoid any capital loss of your savings.||This option may be suitable if you are seeking higher growth over longer periods of time (7 years or more), and understand that the Crediting Rate will go up or down and will sometimes be negative.|
|Investment return objective||Investment return objective|
|AusBond Bank Bill Index, net of tax||Cash* + 3% to 4% pa|
|Minimum suggested time-frame||Minimum suggested time-frame|
|0-3 years||5 - 10 years|
|Strategic asset allocation||Strategic asset allocation|
|Risk level||Risk level|
Protected by a capital guarantee, which means that the Crediting Rates for the Cash Return option cannot be negative.
The estimated number of negative annual returns is expected to be 4 to less than 6 in every 20 years.