Capital Guaranteed Bond

Capital Guaranteed Bond at a Glance

This section provides a summary of the key features of the Bond. We recommend that you read the entire Product Disclosure Statement (PDS) before deciding to invest. Should you choose to proceed with an investment in the Capital Guaranteed Bond, please complete the application form included in the PDS.

Investment Bond	Capital Guaranteed Bond
Bond Type	Capital guaranteed Net contributions and annual bonus declared
Investment Objective and Strategy^^	To provide investors with a high level of capital security and competitive after tax returns over the long-term (7-10years). As this is essentially a ‘cash’ bond, the bond will seek to be competitive with returns from cash deposits. The Capital Guaranteed Bond invests in cash and investment grade short and long term debt, credit and fixed interest securities.
Capital Guarantee	A capital guarantee applies to this Bond. This means that your initial and additional contributions (less any contribution fees) plus the annually declared bonuses (net of fees and taxes) are guaranteed by Over Fifty Mutual Friendly Society on the maturity or redemption of your investment. See Page 17 of the Product Disclosure Statement for further details.
Risk Rating	Low
Asset Allocation**	Bench Mark Range Sector Specific Fund^ Asset Class Minimum % Maximum % Australian Fixed Interest 0 95 Macquarie Investment Management Cash 5 100 Macquarie Investment Management
Fund Managers^

Capital Guaranteed Bond Asset Allocation

For information about this bonds asset allocatoin, please download a copy of the Capital Guaranteed Bond Investor Update.

Capital Guaranteed Bond Size

For information about the bonds size, please download a copy of the Capital Guaranteed Bond Investor Update.

Capital Guarantee Bond Downloads

To download a copy of the latest Product Disclosure Statement or Income Accumulation Fund Investor Update, please click on the link below.

Flexible Investment Bonds PDS 
Flexible Investment Bonds Supplementary PDS 

Capital Guaranteed Bond Fund Investor Update

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^ The current investment manager is Macquarie Investment Management Limited (AFSL 237492) operating under an investment mandate set by OFMFS. We may add or remove investment managers without prior notice to you.
^^ We and/or the underlying investment managers may use derivatives for hedging purposes and/or to implement the Bond’s investment strategy. We and/or the underlying investment managers will not use derivatives for gearing purposes or speculative activities.
** Asset allocations and benchmarks may be altered without prior written notice to you when the change does not alter the risk profile of the Bond.