Retirement

Personal Pension Plan

International Shares

Investing internationally can increase your diversification and provide access to industries and companies not available in Australia. After all, Australia represents less than three per cent of the total world sharemarket.

International shares are considered high risk, high return investments and are suited to longer-term investors (seven years plus).

Vanguard offers a choice of two international share personal pension options to retirees with $100,000 or more to invest:

Benefits

long-term growth potential
low cost way to access a wide range of international markets and companies
access industries and investment opportunities not available in Australia
diversification across countries, industries and companies lowers portfolio risk
choice of hedged or unhedged option
increases diversification when added to growth component of asset allocation

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Personal Pension Plan - Investment Options at a Glance*

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Cash Cash funds suit investors who prefer capital stability and regular income to longterm growth.

	Benchmark	Minimum investment amounts			Investment option management fee	Investment option buy/sell spread costs	Management fees that apply to your member account balance
	Benchmark	Initial contribution	Additional contributions	Account balance	Investment option management fee	Investment option buy/sell spread costs	Member account keeping fee	Plan administration management fee for the first $50,000	Plan administraion management fee for the portion above $50,000
Vanguard® Cash Plus	A customised Index, the Vanguard® Cash Plus Index	$100,000	N/A	N/A	0.29% p.a.	Nil	Nil	0.75% p.a.	0.50% p.a.

Fixed interest Fixed interest funds suit short to mediumterm investors seeking a steady and reliable income stream..

	Benchmark	Minimum investment amounts			Investment option management fee	Investment option buy/sell spread costs	Management fees that apply to your member account balance
	Benchmark	Initial contribution	Additional contributions	Account balance	Investment option management fee	Investment option buy/sell spread costs	Member account keeping fee	Plan administration management fee for the first $50,000	Plan administraion management fee for the portion above $50,000
Vanguard® Australian Fixed Interest	UBS Australian Composite Bond Index	$100,000	N/A	N/A	0.29% p.a.	0.20% / 0.20%	Nil	0.75% p.a.	0.50% p.a.

PropertyProperty trusts suit investors with a longterm timeframe (five years plus).

	Benchmark	Minimum investment amounts			Investment option management fee	Investment option buy/sell spread costs	Management fees that apply to your member account balance
	Benchmark	Initial contribution	Additional contributions	Account balance	Investment option management fee	Investment option buy/sell spread costs	Member account keeping fee	Plan administration management fee for the first $50,000	Plan administraion management fee for the portion above $50,000
Vanguard® Australian Property Securities	S&P/ASX 300 A-REIT Index	$100,000	N/A	N/A	0.34% p.a.	0.20%/ 0.20%	Nil	0.75% p.a.	0.50% p.a.

Australian shares Shares are high risk and generally suited to longerterm investors (seven years plus)

	Benchmark	Minimum investment amounts			Investment option management fee	Investment option buy/sell spread costs	Management fees that apply to your member account balance
	Benchmark	Initial contribution	Additional contributions	Account balance	Investment option management fee	Investment option buy/sell spread costs	Member account keeping fee	Plan administration management fee for the first $50,000	Plan administraion management fee for the portion above $50,000
Vanguard® Australian Shares	S&P/ASX 300 Index	$100,000	N/A	N/A	0.34% p.a.	0.20%/ 0.10%	Nil	0.75% p.a.	0.50% p.a.

International shares International Shares are high risk generally suited to longerterm investors (seven years plus)

	Benchmark	Minimum investment amounts			Investment option management fee	Investment option buy/sell spread costs	Management fees that apply to your member account balance
	Benchmark	Initial contribution	Additional contributions	Account balance	Investment option management fee	Investment option buy/sell spread costs	Member account keeping fee	Plan administration management fee for the first $50,000	Plan administraion management fee for the portion above $50,000
Vanguard® International Shares	MSCI World ex-Australia Index in AUD	$100,000	N/A	N/A	0.36% p.a.	0.30%/ 0.10%	Nil	0.75% p.a.	0.50% p.a.
Vanguard® International Shares (Hedged)	MSCI World ex-Australia Index hedged to AUD	$100,000	N/A	N/A	0.39% p.a.	0.40%/ 0.20%	Nil	0.75% p.a.	0.50% p.a.

Diversified Diversified funds allow investors to select the alternative that best matches their risk profiles.

	Benchmark	Minimum investment amounts			Investment option management fee	Investment option buy/sell spread costs	Management fees that apply to your member account balance
	Benchmark	Initial contribution	Additional contributions	Account balance	Investment option management fee	Investment option buy/sell spread costs	Member account keeping fee	Plan administration management fee for the first $50,000	Plan administraion management fee for the portion above $50,000
Vanguard® LifeStrategy® Conservative	70% income and 30% growth (Weighted average of target indexes of the underlying Vanguard Wholesale Index Funds)	$100,000	N/A	N/A	0.33% p.a.	0.15%/ 0.10%	Nil	0.75% p.a.	0.50% p.a.
Vanguard® LifeStrategy® Balanced	50% income and 50% income (Weighted average of target indexes of the underlying Vanguard Wholesale Index Funds)	$100,000	N/A	N/A	0.34% p.a.	0.20%/ 0.15%	Nil	0.75% p.a.	0.50% p.a.
Vanguard® LifeStrategy® Growth	30% income and 70% growth (Weighted average of target indexes of the underlying Vanguard Wholesale Index Funds)	$100,000	N/A	N/A	0.36% p.a.	0.25%/ 0.15%	Nil	0.75% p.a.	0.50% p.a.
Vanguard® LifeStrategy® High Growth	10% income and 90% growth (Weighted average of target indexes of the underlying Vanguard Wholesale Index Funds)	$100,000	N/A	N/A	0.37% p.a.	0.30%/ 0.20%	Nil	0.75% p.a.	0.50% p.a.

* Information correct as of March 1 2010.