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To provide consistent returns with a reduced level of risk. Earnings should exceed inflation by 2% p.a. in three out of four rolling three-year periods.
| Credit Rates | Performance |
|---|---|
| 30 June 2009 | -4.20% |
| 30 June 2008 | -0.40% |
| 30 June 2007 | 9.90% |
| 30 june 2006 | 9.80% |
| 30 June 2005 | 9.55% |
| 5 year average** | 4.75% |

At least 3 years
1 in 17 years
Investors with a time horizon of at least three years, and those whose aim is to achieve consistent returns with reduced levels of risk.
**Average is the compound average of the crediting rates over the past 5 years or shorter where the option was introduced from a later date. CPI over the same 5 year period averaged 2.92% p.a.
^ Figures in brackets denote allowable range for asset allocation.
Past Performance is not a reliable indicator of future performance