NationalFed Unit Trust Funds

Drawing on combined output to meet return objectives

Money Market Fund
Investment objective Provide a higher level of income than fixed deposits and call accounts over time
Fund mandate Seeks to protect capital and provide immediate liquidity to investors

Weighted average maturity should not exceed 90 days

Asset allocation Provide a higher level of income than fixed deposits and call accounts over time
Return objective Outperform the benchmark
Risk of monetary loss Very low over all investment periods
Recommended term 1 month and longer
Target market Investors seeking an alternative to bank deposits and/or a short-term parking place for their capital

Investors that focus on capital preservation whilst not seeking long-term capital growth

Investors who wish to diversify their portfolios away from equities, specifically those who favour more stable returns within the fixed interest universe

Fee structure (excl. VAT) Initial fee:
NationalFed: 0.00%Annual management fee:
Base fee: 0.30%
Investment minimum $20,000 lump sum and/or
Fund category Domestic Fixed Interest Money Market
Launch date 1 October 2002
Strategic Income Fund
Investment objective Provide a higher level of income than a traditional money market or pure income fund with moderate capital growth
Fund mandate Flexible mandate with no prescribed maturity limits and a flexible duration policy

Seeks to protect capital in times of bond market weakness

Asset allocation Defensive

Fixed interest, listed property and cash exposure only

Return objective Outperform the benchmark
Risk of monetary loss Slight in periods more than 6 months

Moderate in periods less than 6 months

Recommended term 6 months and longer
Target market Risk averse investors requiring a regular stream of income from their capital base

Preservation funds and owners of living annuities

Investors seeking a managed exposure to income generating investments

Investors who believe in the benefits of active management within the fixed interest universe

Fee structure (excl. VAT) Initial fee:
NationalFed: 0.25%
Business introducer: Max 3.00%Annual management fee:
Base fee: 1.00%
Income distribution Quarterly
Investment minimum $20 000 lump sum and/or

$500 monthly debit order

Fund category Domestic Fixed Interest

Varied Specialist

Launch date 2 July 2003
Capital Plus Fund
Investment objective Maintain a real growth of assets in excess of 4% p.a. and to preserve capital over rolling 12 month periods
Fund mandate Broadly diversified, fully managed with an absolute return orientation

This is not a guaranteed fund

Asset allocation Defensive

Max domestic equity exp: 50%

Max international equity exp: 15%

Benchmark Consumer Price Index excluding mortgage (CPIX)
Return objective Achieve a return in excess of CPIX + 4%
Risk of monetary loss Slight in periods greater than 12 months

Moderate in periods between 3 and 12 months

Higher in periods less than 3 months

Recommended term 3 years and longer
Target market Investors seeking a conservative investment solution with a strong focus on capital preservation

Investors with a low tolerance for the volatility of returns associated with equity investing

Investors building up or protecting long-term retirement capital within a retirement investment vehicle

Not suitable for investors seeking a vehicle that aims to aggressively accumulate capital

Fee structure (excl. VAT) Initial fee:
NationalFed: 0.00%
Business introducer: Max 3.00%Annual management fee:
Base fee: 1.25%

Performance fee: 10% of the fund’s outperformance when the fund delivers a positive return in excess of the CPIX + 4% benchmark. The fee is capped at 1.50%

Discount fee: If the fund delivers a negative return over a rolling 12 month period, the base fee will be discounted to 0.50%

Income distribution Quarterly
Investment minimum $20 000 lump sum and/or

$500 monthly debit order

Fund category Domestic Asset Allocation

Targeted Absolute and Real Return

Launch date 2 September 2003
Market Plus Fund
Investment objective Achieve long-term capital growth by investing primarily in equities
Fund mandate Flexible mandate with an inherent large cap equity bias
Asset allocation Aggressive

Max net equity exp: 100% (no min)

Benchmark Composite benchmark

(65% equity, 25% bonds, 10% cash)

Return objective Achieve a return in excess of composite benchmark + 2%
Risk of monetary loss Slight in periods greater than 5 years

Higher in periods less than 1 year

Recommended term 3 years and longer
Target market Investors seeking an aggressive fund that operates within a flexible framework

This fund is not suitable for highly risk-averse investors

Fee structure (excl. VAT) Initial fee:
NationalFed: 0.00%
Business introducer: Max 3.00%Annual management fee:
Base fee: 1.25%

Performance fee: 20% of the fund’s outperformance when the fund delivers a positive return in excess of the composite benchmark + 2%. The fee is capped at 2.50%

Discount fee: If the fund delivers a negative return over a rolling 60 month period, the base fee will be discounted to 0.50%

Income distribution Bi-annually (March, September)
Investment minimum $20 000 lump sum and/or

$500 monthly debit order

Fund category Domestic Asset Allocation
Flexible
Launch date 2 July 2004
Balanced Plus Fund
Investment objective Achieve long-term capital growth and moderate income generation
Fund mandate Prudential based investment vehicle with an equity bias over the investment cycle

Represents our “best investment view” on asset allocation and instrument selection

Asset allocation Moderate

Max domestic equity exp: 75%

Max international exp: 15%

Benchmark Composite benchmark (63% equity, 22% bonds, 10% international, 5% cash)
Return objective Outperform the benchmark
Risk of monetary loss Slight in periods greater than 3 years

Moderate in periods between 12 and 36 months

Higher in periods less than 1 year

Recommended term 3 years and longer
Target market Investors requiring a moderate capital growth portfolio

Investors seeking medium-term capital protection

Investors building up long-term retirement capital

Fee structure (excl. VAT) Initial fee:
NationalFed: 0.25%
Business introducer: Max 3.00%Annual management fee:
Base fee: 1.25%
Income distribution Bi-annually

(March, September)

Investment minimum $20 000 lump sum and/or

$500 monthly debit order

Fund category Domestic Asset Allocation

Prudential Medium Equity

Launch date 15 April 2003
Equity Fund
Investment objective Achieve long-term capital growth by investing only in equities
Fund mandate Emphasis on active stock selection

Remains fully invested in domestic equities at all times

Focus on maximum 30 stocks

Asset allocation Aggressive

Max net equity exp: 100% (75% min)

Benchmark FTSE/NYSE/ASIAN Capped All Share Index
Return objective Provide first quartile relative risk adjusted returns
Risk of monetary loss Slight in periods greater than 5 years

High in periods shorter than 1 year

Recommended term 5 years and longer
Target market Investors who are in their wealth buildup phase and require little income yield in the short term

Investors seeking exposure to the domestic equity market

Investors who are able to withstand short-term market fluctuations in pursuit of maximum total returns over the long term

Fee structure (excl. VAT) Initial fee:
NationalFed: 0.25%
Business introducer: Max 3.00%Annual management fee:
A class: 1.25%
Income distribution Bi-annually

(March, September)

Investment minimum $20 000 lump sum and/or
$500 monthly debit order
Fund category Domestic Equity
General
Launch date 01 April 2004

NationalFed Unit Trust Funds

Our funds are designed to enable easy and efficient investment management for investor and their financial advisors. The funds are constructed to meet specific risk/return objectives and are managed with a flexible mandate. By investing in the fund, investors draw on the combined output of the NationalFed investment team and process.

NationalFed range of funds comprises specialist sector, fixed interest and real estate, general equity, managed and international offshore-based funds. The range provides the discerning investor with an optimal spread of funds from which to create and self-manage more complex investment portfolios. In selecting the appropriate building blocks to create your own investment portfolio more intense management may be required to ensure that as market conditions change, your portfolio continues to meet your specific investment objectives and risk/returns profile.

Our Funds are the NationalFed Money Market Fund, Strategic Income Fund, Capital Plus Fund, Market Plus Fund, Balanced Plus Fund and the Equity Fund.

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