Benefits of investing with Zurich Superannuation Plan and Zurich Account-Based Pension

Both the Zurich Superannuation Plan and Zurich Account-Based Pension offer a number of practical features, giving them the flexibility to meet the changing needs of members. These features include:

Competitive fee structure

• Both the Zurich Superannuation Plan and Zurich Account-Based Pension administration fees are based on a stepped structure, whereby a single fee is determined based on the account balance (for ZSP) or the adjusted investment amount (for ZABP), and then applied to the entire account balance.

Complete financial protection

• At Zurich, we believe it is important to provide insurance products that are supported by quality definitions and a comprehensive range of included and optional benefits. As such, ZSP offers a range of competitive and affordable choices in insurance cover with premiums deducted automatically from the member's account each month.

• The range of ZSP Optional Protection Benefits that can be structured to meet your individual needs include Death cover, Total and Permanent Disablement (TPD) cover, and Income protection.

Extensive range of quality investment options

• The Zurich Superannuation Plan and the Zurich Account-Based Pension offer a choice of investment options to create an overall investment portfolio that suits your personal needs and goals.

• Members are able to select from a range of professionally constructed options that combine the expertise of a number of strategic investment managers who are recognised as being amongst the best in their area of expertise. By combining these specialist investment managers with Zurich's excellence in customer service, we are able to offer an exclusive range of investments to Australian investors.

Estate planning with certainty

• Members are able to make binding death benefit nominations confidently and easily. We have designed the nomination process to ensure benefits are generally distributed in accordance with your wishes where you have provided us with a binding death benefit nomination. Benefits may be paid as a lump sum, Account-Based pension, or a combination of both.

Risk level

High

About the Fund

The Zurich Superannuation Plan is designed to help you reach financial independence in retirement. It includes a range of investment options to suit all risk profiles, as well as award winning life insurance choices.

Key features include:

• Competitive fees and charges based on a stepped structure'.

• A range of investment choices to suit all risk profiles managed by expert fund managers.

• Flexible payment options and contribution flexibility.

• The ability to add award winning life, disability and income protection insurance.

• Online access for members through My Zurich.

Investment options to suit you

Members of the Zurich Superannuation Plan can select from a range of professionally constructed investment options managed by strategic investment partners who are recognised as being amongst the best in their area of expertise. By combining these specialist investment managers with Zurich's excellence in customer service, we are able to offer an exclusive range of investments to Australian investors.

How we invest your money

This option invests in a balanced mix of income and growth assets, which will include Australian and international shares, alternate asset classes (such as listed infrastructure, listed soft commodity companies and global absolute return), fixed interest securities, listed property trusts and cash.

The option is designed to reduce overall portfolio risk by spreading the option's investments across asset classes.

Asset allocation

(Asset class: Benchmark / Range)

• Australian shares: 20% / 8-38%

• International shares: 18% / 5-30%

• Australian listed property securities*: 1% / 0-9%

• Global listed property securities*: 2% / 0-9%

• Infrastructure: 2% / 0-6%

• Alternative Investments**: 9% / 4-14%

Total growth assets: 52% / 17-65%

• Aust. & Int. Fixed Interest***: 22% / 0-42%

• Absolute Return Bond: 11% / 0-30%

• Cash: 15% / 5-25%

Total defensive assets: 48% / 35-83%

*Listed property investments may include investment in direct property.

**Alternative investments includes investments in infrastructure and derivatives based equity strategies. Alternative investments may also include investments in any other non-traditional asset class.

***This asset class in the Balanced option includes both investment grade and non investment grade international fixed interest. An investment grade security normally means that the quality of the security is considered reasonably high. In the example of fixed interest securities those rated BBB or higher by Standard & Poor's, are widely considered to be of investment grade' and anything lower than Standard & Poor's classification of BBB are classified as non investment grade', with the implication being a higher level of risk. Non investment grade fixed interest securities typically include emerging market debt, and distressed corporate debt.