Core Super MySuper INVESTMENTS & OTHER IMPORTANT INFORMATION 18 JANUARY 2018

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1 Core Super MySuper INVESTMENTS & OTHER IMPORTANT INFORMATION 18 JANUARY 2018 Core Super offers a range of eight [8] investment options including the MySuper option. You can choose to invest in one option or in any combination of our options listed below. If you do not make a choice, your contributions will be invested in the MySuper option [default]. When making an investment choice you must consider the likely investment return, the level of risk and your own personal investment horizon. Investment selections can be changed at any time by completing the Change of Investment Choice Form or online via MemberAccess [visit our website at intrust.com.au for more information]. The information in this document forms part of the Product Disclosure Statement [PDS] for Core Super MySuper effective 1 January 2018 and should be read in conjunction with the PDS. You should consider this information and the information in the PDS before making a decision to invest in Intrust Super s Core Super product. Issued by IS Industry Fund Pty Ltd MySuper Unique Identifier: ABN: AFSL No: RSE Licence No: L Intrust Super ABN SPIN: HPP0100AU RSE Registration No: R

2 Investment options MySuper option high medium to long-term returns with a medium exposure to risk. It is likely to suit members seeking mid to long-term growth of their superannuation with medium risk. To outperform CPI + 3 p.a. A diversified option that invests across most asset classes, with a large proportion in and international, bonds and property investments. option for at least 5 years. Risk band: 5 Medium to high: annual returns is 3 to 4 over any To outperform CPI p.a. Invests heavily in and international, with a smaller investment in property and other investment opportunities. least 7 years. Stable reliable short-term returns with a certain level of security and potential for some growth. It is likely to suit members seeking short to medium-term growth of their superannuation with low risk. To outperform CPI p.a. A diversified option that invests mainly in defensive assets such as cash and bonds, with a smaller proportion spread across other asset classes. Short to medium term: if you option for at least 3 years. Risk band: 2 Low: annual returns is 0.5 to 1 over any LOW MEDIUM HIGH LOW MEDIUM HIGH LOW MEDIUM HIGH Strategic asset allocation Infrastructure Property Bonds Cash Infrastructure Property Bonds Cash Infrastructure Property Bonds Cash [ 2 ] CORE SUPER MYSUPER INVESTMENTS 18 JANUARY 2018

3 *Opportunities are investments that don t fit neatly into traditional asset classes because of their risk/return profiles or their structure. Opportunities can be divided into or styles and may include private equity and hedge funds. To outperform the S&P/ASX 300 Accumulation Index over rolling 3-year periods. The S&P/ASX 300 Index includes the largest 300 companies listed on the Securities Exchange. Invests predominantly in. least 8 years. To outperform the aggregate benchmark of 50 MSCI World Index ex-australia Unhedged and 50 MSCI World Index ex- Australia Hedged over rolling three year periods. Invests solely in international. least 8 years. Property growth above inflation over the medium-term with a medium suit members seeking mid to long-term growth of their superannuation with medium risk. To outperform the Mercer Unlisted Property Trust Index over rolling 4-year periods. To provide investors with diversified exposure to a range of high-quality properties via unlisted property trusts. option for at least 5 years. Risk band: 5 Medium to high: annual returns is 3 to 4 over any LOW MEDIUM HIGH LOW MEDIUM HIGH LOW MEDIUM HIGH Property intrust.com.au [ 3 ]

4 ^The Standard Risk Measure is based on industry guidance to allow members to compare investment options that are expected to deliver a similar number of negative annual returns over any 20-year period. The Standard Risk Measure is not a complete assessment of all forms of investment risk, for instance it does not detail what the size of a negative return could be or the potential for a positive return to be less than a member may require to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return. Members should still ensure they are comfortable with the risks and potential losses associated with their chosen investment option[s]. Bonds [fixed interest] reliable short-term returns with security, but low potential for growth. It is likely to suit members with a short investment timeframe. To outperform the aggregate benchmark of 50 Bloomberg AusBond Composite Bond Index and 50 Barclays Global Aggregate Bond Index [hedged to AUD] over rolling two year periods. May use index or active bond fund managers which invest in and international bond markets. option for at least 3 years. Risk band: 4 Medium: annual returns is 2 to 3 over any Cash reliable short-term returns with maximum security, but low potential for growth. It is likely to suit members with a short investment timeframe. To match the Bloomberg AusBond 90 Day Bank Bill Index. It aims to do this by investing in deposits, money market and fixed income securities. Invests solely in cash using major cash investment manager/s and/or allocation to term deposits. Short to medium term: if you option for at least 1 year. Risk band: 1 Very Low: annual returns is less than 0.5 over any LOW MEDIUM HIGH LOW MEDIUM HIGH Strategic asset allocation Bonds Cash 100 [ 4 ] CORE SUPER MYSUPER INVESTMENTS 18 JANUARY 2018

5 Keep in touch It s important that you tell us if you change your address so that you continue to get all the information issued by Intrust Super and so your account doesn t become lost. You can do this via MemberAccess or using any of the contact details listed below. Not yet registered for MemberAccess? Visit intrust.com.au today to get started. Once you have registered for MemberAccess you can view your account balance, contact details and much more 24/ intrust.com.au HP/IBR/INV /18 ISS19 Visit Level 21, 10 Eagle Street, Brisbane QLD 4000 Mail GPO Box 1416, Brisbane QLD 4001 Fax info@intrust.com.au CONNECT WITH US facebook.com/intrustsuperfund twitter.com/intrustsuper