Fee example - Diversified Investment Option

Buy/Sell Spread.
Additional explanation of fees and costs.

The table below gives an example of how the fees and costs in the Diversified Investment Option for this product can affect your superannuation investment over a one (1) year period.

You should use this table to compare this product with other superannuation products.

EXAMPLE - The Diversified Investment Option		BALANCE OF $50,000 WITH TOTAL CONTRIBUTIONS OF $5,000 DURING YEAR
*Contribution Fees*	Nil However, you will be charged the buy/sell spread which is currently 0.44% for the Diversified option.	For every $5,000 you put in, you will be charged $22.
PLUS *Management Costs*	0.68% p.a. (investment management fee) and 0.15% p.a. (expense recovery fee) plus $65 ($1.25 per week) administration fee.	And, for every $50,000 you have in the Fund you will be charged $415 each year. The $65 administration fee does not change regardless of your balance.
EQUALS Cost of fund		If you put in $5,000 during a year and your balance was $50,000, then for that year you will be charged fees of: $502.00* What it costs you will depend on the investment option you choose and the fees you negotiate with your fund or financial adviser.^

Notes:

*	Additional fees may apply: If you leave the Fund, you will also be charged a withdrawal fee of $30.00. The Management costs which apply to the other investment options available are set out in the "Additional explanation of fees and costs" section on page 28 of the PDS.
^	Please note that this information is required to be included by law.

Buy/Sell Spread.

This table shows a breakdown of the Buy/Sell spread for each investment option included in the Fees and Charges Table. These fees have been estimated based on the assets and investment managers held at 1 July 2007 and will vary throughout the year as investments change.