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Choose an Investment To help you understand your risk profile and decide which fund may suit your needs, the questionnaire below can be used as a guide. We recommend you seek professional investment advice from a financial advisor to help you plan your future. Age Points 1 How old are you currently     Over 60 years 5   50 to 60 years 10   40 to 49 years 20   Under 40 years 30   Risk Tolerance Points 2 If your investment was to decline in value by 20% over a 12 month period, what would you do?     Transfer the entire investment to a more secure option 5 Transfer half of the investment to a more secure option 10 Do nothing 15 Invest more to take advantage of lower prices 20 Investment Experience Points 3 How would you describe your investment experience? I am an experienced investor 15 I take an interest but I'm not really comfortable making investment decisions myself 10 I am not familiar with investment markets and have little interest in their workings 5 Investment Decisions Points 4 What would you do with a $100,000 windfall that had to be invested? (i.e you cannot buy a sports car or a holiday house)         Put it all in the share market 25     Put most in the share market and the rest in a more secure investment such as term deposit 20     Invest in a property (which includes paying off the mortgage) 15     Put most in a more secure investment and the rest in the share market or a similar high risk investment 10   Put it all in the bank or on term deposit 5 Recommended Investment Type: Cash Fund Click here to enrol in AonSaver! CASH Recommended Investment Timeframe: 1 to 3 Years Investment Options: Investment Objective Asset Allocation Fees ING Cash To protect the value of investments and provide competitive returns. Cash: 100%  0.24% Tyndall Cash To protect the value of investments and provide competitive returns. Cash: 100%  0.29% Risks: Returns will be unlikely to beat inflation over the longer term Recommended Investment Type:  Conservative Fund Click here to enrol in AonSaver! CONSERVATIVE Recommended Investment Timeframe: At Least 3 Years Investment Options: Investment Objective Asset Allocation Fees Russell Lifepoints Conservative To provide investors with capital growth and volatility that is consistent with the current asset allocation, through exposure to a diversified investment portfolio. Growth: 20% Income: 80%  0.52% Risks: This Option should give a positive return to investors under almost any economic scenario, and not suffer losses of capital. Recommended Investment Type:  Moderate Fund Click here to enrol in AonSaver! MODERATE Recommended Investment Timeframe: At Least 3 Years Investment Options: Investment Objective Asset Allocation Fees Russell Lifepoints Moderate To provide investors with medium term capital growth though exposure to a diversified investment portfolio, recognising that this will be accompanied by some volatility Growth: 40% Income: 60%  0.59% Russell Lifepoints 2015 To provide investors with medium term capital growth though exposure to a diversified investment portfolio, recognising that this will be accompanied by some volatility Growth: 36% Income: 64%  0.58% Milford Fund The portfolio construction process will result in a very concentrated group of investments for the Milford Fund Investment Option, which will not be influenced by an index composition. Milford anticipates that the portfolio will usually contain between 10 and 20 shareholdings. The Fund is expected to display more volatility of investment returns than an income-oriented fund but also is expected to display better capital growth over the longer-term. Income or Growth depending upon market conditions 0.75% Risks: Although the Moderate Option is expected to produce positive returns most of the time, returns could be low or negative if interest rates or corporate default should significantly increase and/or share markets fall over any year. Recommended Investment Type:  Balanced Fund Click here to enrol in AonSaver! BALANCED Recommended Investment Timeframe: At Least 7 Years Investment Options: Investment Objective Asset Allocation Fees ING Balanced To give rates of return that protect the investor from the impact of inflation over time, and so protect the real value of capital. Growth: 60% Income: 40%  0.534% Tyndall Balanced To provide investors with a balanced portfolio to outperform the benchmark by 1.5% before fees. Growth: 67% Income: 33%  0.60% Russell Lifepoints Balanced To provide investors with medium term capital growth though exposure to a diversified invetment portfolio, recognising that this will be accompanied by moderate to high volatility Growth: 60% Income: 40%  0.66% Russell Lifepoints 2025 To provide investors with capital growth and volatility that is consistent with the current asset allocation, through exposure to a diversified investment portfolio Growth: 56% Income: 44%  0.65% Risks: Returns for the Balanced Option may be volatile because of the higher allocation of shares. Negative returns may be expected if share markets fall over any given period. However, it is expected that higher returns will be earned over the medium term to compensate and reward investors. Recommended Investment Type:  Growth Fund Click here to enrol in AonSaver! GROWTH Recommended Investment Timeframe: At Least 10 Years Investment Options: Investment Objective Asset Allocation Fees Russell Lifepoints Growth To provide investors with capital growth over the long term by focusing on growth assets, while accepting fluctuations in capital value in the short term. Growth: 74% Income: 26%  0.70% Russell Lifepoints 2035 To provide investors with capital growth and volatility that is consistent with the current asset allocation, through exposure to a diversified investment portfolio. Growth: 71% Income: 29%  0.70% Russell Lifepoints 2045 To provide investors with capital growth and volatility that is consistent with the current asset allocation, through exposure to a diversified investment portfolio. Growth: 87% Income: 13%  0.72% Risks: The returns for the Growth Option will depend very much on the performance of the share markets. The returns should on average, be higher then the other diversified funds, but low or negative returns are likely from time to time.

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