Cash – RBA Bank accepted Bills 90 Days; Aust. Fixed Interest – Bloomberg Ausbond Composite 0+ Yr TR AUD; Intl. Fixed Interest (H) – BBgBarc Global Aggregate TR Hdg AUD; A-REITs – S&P/ASX 300 A-REIT TR; Global REITs (H) – FTSE EPRA Nareit Dv REITS TR Hdg AUD; Aust. Equity – S&P/ASX 200 TR; Small Caps – S&P/ASX Small Ordinaries TR; Intl. Equity – MSCI World Ex Australia NR AUD © 2021 Morningstar, Inc. All rights reserved. Neither Morningstar, its affiliates, nor the content providers guarantee the data or content contained herein to be accurate, complete or timely nor will they have any liability for its use or distribution. Any general advice or ‘regulated financial advice’ under New Zealand law has been prepared by Morningstar Australasia Pty Ltd (ABN: 95 090 665 544, AFSL: 240892) and/or Morningstar Research Ltd, subsidiaries of Morningstar, Inc, without reference to your objectives, financial situation or needs. For more information refer to our Financial Services Guide (AU) and Financial Advice Provider Disclosure Statement (NZ) at www.morningstar.com.au/s/fsg.pdf and www.morningstar.com.au/s/fapds.pdf. You should consider the advice in light of these matters and if applicable, the relevant Product Disclosure Statement before making any decision to invest. Our publications, ratings and products should be viewed as an additional investment resource, not as your sole source of information. Past performance does not necessarily