Charter Financial Planning Limited ABN 35 002 976 294 Australian Financial Services Licensee Licence Number 234665.

A decrease in the market value of an investment established by a valuation.

A measure of return on an investment expressed as a percentage (calculated by dividing the income from an asset by its current capital value).

An index representing the change in prices of the major securities issued in the inflation indexed bond market. All income is reinvested.

Percentage or proportion of the portfolio invested in each asset class.

Tax levied on dividends paid abroad.

Fixed interest market index. It measures the change in market price of a pool of fixed interest securities (50% Government bonds, 38% semi-Government securities, 10% corporate bonds and 2% mortgage backed securities.) All income is reinvested.

The year a fund was formed.

Measures the way Australian bank bill rates change over time. It is the industry accepted proxy for bank bill rates. All income is reinvested.

The amount of vested benefit is the minimum sum which must be paid to a member of a superannuation fund when the member becomes entitled to a benefit on withdrawal. (eg. on resignation.)