Fund profiles

SignatureSuper
	Principal Contact: Administration  Toll Free: Facsimile: 1300 366 019 (02) 9768 3111 Address: 33 Alfred Street Circular Quay NSW 2000 Website: Email: www.signaturesuper.amp.com.au signaturesuper@amp.com.au
Overview:	SignatureSuper is a unique master trust offering, able to be tailored to meet the needs of any business. SignatureSuper can support accumulation, defined benefit and hybrid plans and is administered using cutting edge, integrated technology. Clients can tailor the investment menu to suit their plan. Members of SignatureSuper are supported by one of the industry’s most comprehensive member education programs. AMP has been looking after Australians’ superannuation for more than 60 years and provides superannuation, retirement and insurance benefits for over 500,000 corporate members in Australia.
Year of Establishment:	2003
Value of Funds:	$5.1 billion (as at 30 June 2008)
Key Features:	Highly tailored corporate solution.  Flexible contributions - the member, the employer sponsor, third party employees and spouse can invest in a member's account.  Dedicated Business Relationship Manager and Business Development Manager. Wide investment choice, members can choose up to 10 options from over 50 available managed by leading investment managers. Unlimited free switching available. Insurance cover options chosen by the employer sponsor - Death, TPD and TSC - at group rates (with a 2 year or "to age 65" benefit payment period for TSC) and with automatic acceptance up to a certain limit. Ability to attach an external insurer. Fully transparent and flexible fee and fee rebate structure. eg Large plan discounts -we take into account the combined "buying power" of all members in the plan. Comprehensive member education and communication and reporting to keep members informed and in control via electronic, face-to-face and hard-copy media. Members have 24 hour online access for up-to-date information on their super account.  Leading administration making it easy for employers with online contribution and reporting.  Flexibility in plan set-up, accommodating defined benefit, hybrid and accumulation, spouse and pension accounts. Access to the SignatureSuper Personal Allocated Pension product. Extra benefits such as family members can join the plan at the same fee structure as the emplyee member, financial/retirement planning, financial seminars, and banking package.
Administrator:	AMP Life Limited
Auditor:	Ernst & Young
Custodian:	BNP Paribas
Asset Consultants:	AMP Life Limited AMP Capital Investors Mercer Investment Consulting (for the multi manager Future Directions Funds range).
Lawyer:	AMP Legal

INVESTMENT OPTIONS
Future Directions Conservative	A multi-manager fund that gives investors access to a diversified portfolio with a bias towards income assets (cash, bonds and alternative assets) of 70%, while having a limited exposure to growth assets (shares and property) of 30%.
Future Directions Moderately Conservative	A multi-manager fund that gives investors access to a diversified portfolio with 51% of the portfolio invested in income asset (cash, bonds and alternative assets) and 49% of the portfolio invested in growth assets (share and property).
Future Directions Balanced	A multi-manager fund that gives investors access to a diversified portfolio with 68% of the portfolio invested in growth assets (shares and property) and 32% of the portfolio invested in income assets (cash, bonds and alternative assets).
Future Directions Growth	A multi-manager fund that gives investors access to a diversified portfolio with 80% of the portfolio invested in growth assets (shares and property) and 20% of the portfolio invested in income assets (cash, bonds, and alternative assets).
Future Directions High Growth	A multi-manager fund that gives investors access to a diversified portfolio that primarily invests in shares with some exposure to property and alternative assets.
Future Directions Australian Bond	A multi-manager approach to investing in short and long term fixed interest securities. managers include AMP Capital Investors (including Goldman Sachs Asset Management) and Vianova Asset Management.
Future Directions Australian Share	A multi-manager approach to investing primarily in shares on the Australian Stock Exchange. Managers include AMP Capital Investors, Ausbil Dexia, JF Capital Partners, Lazard Asset Management, Platypus Asset Management, Tyndall Asset Management, Kinetic Investment Partners and Renaissance Asset Management.
Future Directions International Bond	A multi manager approach to investing in a diversified range of international fixed interest securities. Managers include Credit Agricole Asset Management, Goldman Sachs Asset Management, Hyperion Capital Management, Mondrian Investment Partners and Putnam Investments.
Future Directions International Share	A multi manager approach to investing primarily in shares on world stock exchanges. Managers include Alliance Growth Equities, Arrowstreet Capital, Baillie Gifford, Bernstein Value Equities, BlackRock Investment Managers, GMO, MIR Investment Management, Rexiter Capital Management, T.Rowe Price, Taube Hodson Stonex Partners, Treasury Asia Asset Management, Charlemagne Capital, Colonial First State, Genesis Investment Management, Schroders, AXA Rosenberg, Fortis Investments, IronBridge Capital Management, Morgan Stanley, Rheos Capital Works and Rothschild Asset Management.
Future Directions Extended Markets International Share	A multi-manager approach to investing in global mid and small cap shares including emerging markets shares. Managers include AXA Rosenberg, Fortis Investments, IronBridge Capital Management, Morgan Stanley, Rheos Capital Works, Rothschild Asset Management and Schroders.
Future Directions Geared Australian Share	A multi-manager approach that “gears” into a pure Australian share portfolio. Managers include AMP Capital Investors, Ausbil Dexia, JF Capital Partners, Lazard Asset Management, Platypus Asset Management, Tyndall Asset Management, Kinetic Investment Partners and Renaissance Asset Management.
Future Directions Hedged International Share	A multi manager approach to investing primarily in shares on world stock exchanges. The fund is normally fully hedged to Australian dollars. Managers include Alliance Growth Equities, Arrowstreet Capital, Baillie Gifford, Bernstein Value Equities, BlackRock Investment Managers, GMO, MIR Investment Management, Rexiter Capital Management, T.Rowe Price, Taube Hodson Stonex Partners, Treasury Asia Asset Management, Charlemagne Capital, Colonial First state, Genesis Investment Mangement, Schroders, AXA Rosenberg, Fortis Investments, IronBridge Capital Management, Morgan Stanley, Rheos Capital Works and Rothschild Asset Management.
Future Directions Australian Small Companies	A multi-manager approach to investing primarily in smaller Australian companies (outside the top 100 by market value) listed on the Australian Stock Exchange. Managers include AMP Capital Investors, Kinetic Investment Partners and Renaissance Asset Management.
Future Directions Property	A multi-manager approach to investing in Australian listed property trusts, Australian direct property and global listed property securities. Managers include AMP Capital Investors (Australia and Asia), KG Redding (North America), AMP Capital Redding Investors (UK and Europe), CBRE Global Real Estate Securities, Invesco, Perennial Investment Partners, Arlington Securities, Domaine Property Funds, GPT Group Investa Property Group, Lend Lease Real Estate Investments, Multiplex Capital, Principal Global Investors, Retirement Villages Group, and Macquarie Bank.
Future Directions Total Return Fund	A multi-manager approach that offers investors leveraged returns based on a global portfolio of hedged funds, through a total return swap.
Future Directions Emerging Markets	A multi manager approach that provides investors with the opportunity to access emerging market share. A multi manager approach that invests via a multi manager vehicle. The Fund has been specifically designed to maximise portfolio efficiency by accessing those areas of the market not traditionally covered by benchmarks such as the MSCI World Index. Managers include Charlemagne Capital, Colonial First State, Genesis Investment Management, Schrodes, AXA Rosenberg, Fortis Investments, IronBridge Capital Management, Morgan Stanley, Rheos Capital Works and Rothschild Asset Management.

Investment Performance (crediting rates)	Growth Asset Weighting	Performance to 30 June 2008
		1yr	3yr	5yr
Future Directions Conservative	Gth –30% Def – 70%	-2.3%	4.5%	-
Future Directions Moderately Conservative	Gth – 49% Def – 51%	-5.5%	5.3%	-
Future Directions Balanced	Gth – 68%   Def – 32%	-8.4%	6.1%	-
Future Directions Growth	Gth – 80% Def – 20%	-9.8%	7.0%	-
Future Directions High Growth	Gth – 92% Def – 8%	-11.6%	7.5%	-
Future Directions Australian Bond	Gth – 0%  Def – 100%	2.3%	2.3%	-
Future Directions Australian Share	Gth – 100% Def – 0%	-13.1%	9.5%	-
Future Directions International Bond	Gth – 0% Def – 100	-1.7%	1.2%	-
Future Directions International Share	Gth – 100% Def – 0%	-19.7%	1.2%	-
Future Directions Extended Markets International Share	Gth – 100% Def – 0%	-17.6%	3.3%	-
Future Directions Geared Australian Share	Gth – 100% Def – 0%	-31.7%	9.8%	-
Future Directions Hedged International Share	Gth – 100% Def – 0%	-12.4%	7.5%	-
Future Directions Australian Small Companies	Gth – 100% Def – 0%	-22.2%	9.6%	-
Future Directions Property	Gth – 100% Def – 0%	-13.9%	5.8%	-
Future Directions Total Return Fund	Gth – n/a Def – n/a	21.6%	12.3%	-
Future Directions Emerging Markets	Gth – 100% Def – 0%	-	-	-

Returns from non-AMP managed investment options will differ from those reported elsewhere by these managers due to the administration fee charged by AMP Life and minor differences in the end of month unit prices used.

Insurance Available:	Death, Death / TPD, Income Protection.
Extra Benefits:	Family members can join the plan at the same fee structure as the emplyee member, allocated pension, financial/retirement planning, financial seminars, online account details/transactions and banking package.
Communications:	Membership, insurance and investment booklets; publications and monthly investment performance available on website.
Employer Services:	Dedicated account manager, policy committee assistance, online contribution payments, clearing house, regular and online reporting, full range of member seminars and education program.

FEES
Asset Administration fee	0.70% of your account balance less any Large Plan Discount negotiated between the employer and AMP Corporate Superannuation
Insurance Administration fee	Up to 10% of the insurance premium (including stamp duty) for an external insurer.
Trustee/Expense Recovery fee	Included in the Investment Management Fee
Management Cost - member fee ($ per week / annum)	Plan by plan basis
Management Cost - investment fee (% p.a.)	0.25% to 1.20%, depends on the investment option selected by the member.
Additional Adviser Servicing fee	Negotiated between the client and the planner
Fee Discounts	Large Plan Discounts apply - negotiated on a case by case basis. The Large Plan Discount is calculated and credited monthly to members' accounts as a fee rebate.

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