Wholesale Index Funds: Performance after tax

 Fund
 Summary 		 Unit Prices  Income
 Distributions 		 Performance
 Gross of Fees 		 Performance
 After Tax
After Tax Performance
Super Fund Individual - Mid Tax Individual - Top Tax Tax Exempt Entity
Super Fund (Currently Taxed at 15%)
Fund Name Return Scenario Performance (net of fees) for periods ended 30/11/2008
1 Year 3 Yrs (pa) 5 Yrs (pa) 6 Yrs (pa) 7 Yrs (pa) 8 Yrs (pa)
Asset Sector Index Funds
Vanguard Cash Reserve Fund Before Tax (Net of Fees) 7.58% n/a n/a n/a n/a n/a
After Tax On Distributions 6.51% n/a n/a n/a n/a n/a
After Tax If fully Redeem/Withdraw 6.45% n/a n/a n/a n/a n/a
Vanguard Cash Plus Index Fund Before Tax (Net of Fees) 9.00% 6.78% 6.27% 5.90% 5.69% 5.72%
After Tax On Distributions 7.78% 5.77% 5.34% 5.04% 4.85% 4.86%
After Tax If fully Redeem/Withdraw 7.66% 5.75% 5.31% 5.01% 4.83% 4.85%
Vanguard Australian Government Bond Index Fund Before Tax (Net of Fees) n/a n/a n/a n/a n/a n/a
After Tax On Distributions n/a n/a n/a n/a n/a n/a
After Tax If fully Redeem/Withdraw n/a n/a n/a n/a n/a n/a
Vanguard Australian Fixed Interest Index Fund Before Tax (Net of Fees) 13.13% 6.65% 6.68% 6.13% 6.02% 6.30%
After Tax On Distributions 12.40% 5.87% 5.87% 5.31% 5.19% 5.41%
After Tax If fully Redeem/Withdraw 11.53% 5.70% 5.73% 5.22% 5.12% 5.35%
Vanguard International Fixed Interest Index Fund (Hedged) Before Tax (Net of Fees) 9.98% 6.95% 7.31% 7.17% 7.31% 7.50%
After Tax On Distributions 8.67% 5.89% 6.10% 6.00% 6.05% 6.31%
After Tax If fully Redeem/Withdraw 8.45% 5.86% 6.13% 6.03% 6.11% 6.33%
Vanguard International Credit Securities Index Fund (Hedged) Before Tax (Net of Fees) 3.15% 4.34% 5.58% 6.13% 6.60% n/a
After Tax On Distributions 1.33% 3.69% 4.58% 5.01% 5.40% n/a
After Tax If fully Redeem/Withdraw 2.20% 3.69% 4.67% 5.12% 5.51% n/a
Vanguard Global Infrastructure Fund Before Tax (Net of Fees) 6.50% n/a n/a n/a n/a n/a
After Tax On Distributions 6.53% n/a n/a n/a n/a n/a
After Tax If fully Redeem/Withdraw 6.08% n/a n/a n/a n/a n/a
Vanguard Global Infrastructure Fund (Hedged) Before Tax (Net of Fees) -16.45% n/a n/a n/a n/a n/a
After Tax On Distributions -17.42% n/a n/a n/a n/a n/a
After Tax If fully Redeem/Withdraw -14.92% n/a n/a n/a n/a n/a
Vanguard Property Securities Index Fund Before Tax (Net of Fees) -52.39% -13.11% -0.88% 0.38% 2.06% 3.96%
After Tax On Distributions -52.67% -13.81% -1.57% -0.29% 1.38% 3.28%
After Tax If fully Redeem/Withdraw -47.12% -11.19% -0.44% 0.63% 2.09% 3.78%
Vanguard International Property Securities Index Fund Before Tax (Net of Fees) -34.81% -11.99% n/a n/a n/a n/a
After Tax On Distributions -34.83% -12.18% n/a n/a n/a n/a
After Tax If fully Redeem/Withdraw -31.01% -10.19% n/a n/a n/a n/a
Vanguard International Property Securities Index Fund (Hedged) Before Tax (Net of Fees) -51.80% -16.54% n/a n/a n/a n/a
After Tax On Distributions -52.78% -17.63% n/a n/a n/a n/a
After Tax If fully Redeem/Withdraw -46.20% -13.89% n/a n/a n/a n/a
Vanguard Australian Shares High Yield Fund Before Tax (Net of Fees) -41.31% -4.46% 5.85% 6.07% 4.48% 4.66%
After Tax On Distributions -40.72% -3.79% 6.77% 6.95% 5.28% 5.42%
After Tax If fully Redeem/Withdraw -36.19% -2.62% 6.99% 7.09% 5.49% 5.57%
Vanguard Sustainability Leaders Australian Shares Fund Before Tax (Net of Fees) -37.63% -2.26% 7.35% 7.29% 5.34% n/a
After Tax On Distributions -37.13% -1.80% 7.79% 7.76% 5.75% n/a
After Tax If fully Redeem/Withdraw -32.72% -0.83% 7.82% 7.74% 5.80% n/a
Vanguard Australian Shares Index Fund Before Tax (Net of Fees) -40.38% -3.17% 7.36% 7.55% 5.66% 5.64%
After Tax On Distributions -40.11% -2.81% 7.83% 8.05% 6.14% 6.13%
After Tax If fully Redeem/Withdraw -35.63% -1.81% 7.78% 7.95% 6.14% 6.11%
Vanguard International Shares Index Fund Before Tax (Net of Fees) -22.23% -4.38% 2.12% 0.40% -3.09% -4.73%
After Tax On Distributions -22.26% -4.41% 2.10% 0.39% -3.09% -4.73%
After Tax If fully Redeem/Withdraw -19.86% -3.75% 2.08% 0.52% -2.61% -4.05%
Vanguard International Shares Index Fund (Hedged) Before Tax (Net of Fees) -40.40% -8.69% 1.21% 3.34% 0.10% -2.21%
After Tax On Distributions -41.46% -9.58% 0.20% 2.30% -0.88% -3.04%
After Tax If fully Redeem/Withdraw -36.34% -7.59% 1.14% 3.01% 0.04% -2.00%
Vanguard Sustainability Leaders International Shares Fund Before Tax (Net of Fees) -21.37% -3.05% 2.25% 0.62% -3.18% n/a
After Tax On Distributions -21.35% -3.18% 2.16% 0.55% -3.24% n/a
After Tax If fully Redeem/Withdraw -19.01% -2.52% 2.22% 0.73% -2.69% n/a
Vanguard International Small Companies Index Fund Before Tax (Net of Fees) -25.51% n/a n/a n/a n/a n/a
After Tax On Distributions -25.58% n/a n/a n/a n/a n/a
After Tax If fully Redeem/Withdraw -22.91% n/a n/a n/a n/a n/a
Vanguard International Small Companies Index Fund (Hedged) Before Tax (Net of Fees) -45.07% n/a n/a n/a n/a n/a
After Tax On Distributions -45.34% n/a n/a n/a n/a n/a
After Tax If fully Redeem/Withdraw -40.50% n/a n/a n/a n/a n/a
Vanguard Emerging Markets Shares Index Fund Before Tax (Net of Fees) -39.83% -0.89% 10.04% 9.55% 7.58% 5.67%
After Tax On Distributions -40.19% -1.35% 9.71% 9.26% 7.33% 5.45%
After Tax If fully Redeem/Withdraw -35.71% -0.57% 9.42% 8.97% 7.13% 5.35%
Diversified Index Funds  - LifeStrategy
Vanguard Conservative Index Fund Before Tax (Net of Fees) -6.24% 3.51% 6.25% 5.99% n/a n/a
After Tax On Distributions -6.97% 2.77% 5.52% 5.31% n/a n/a
After Tax If fully Redeem/Withdraw -5.72% 3.09% 5.59% 5.35% n/a n/a
Vanguard Balanced Index Fund Before Tax (Net of Fees) -15.52% 1.23% 6.02% 5.73% n/a n/a
After Tax On Distributions -15.97% 0.76% 5.54% 5.27% n/a n/a
After Tax If fully Redeem/Withdraw -13.89% 1.23% 5.56% 5.28% n/a n/a
Vanguard Growth Index Fund Before Tax (Net of Fees) -24.06% -0.96% 5.82% 5.53% n/a n/a
After Tax On Distributions -24.35% -1.34% 5.35% 5.09% n/a n/a
After Tax If fully Redeem/Withdraw -21.43% -0.56% 5.54% 5.24% n/a n/a
Vanguard High Growth Index Fund Before Tax (Net of Fees) -32.30% -3.25% 5.34% 4.99% n/a n/a
After Tax On Distributions -32.42% -3.50% 5.20% 4.87% n/a n/a
After Tax If fully Redeem/Withdraw -28.73% -2.45% 5.36% 5.00% n/a n/a
    1 Year 3 Yrs (pa) 5 Yrs (pa) 6 Yrs (pa) 7 Yrs (pa) 8 Yrs (pa)