Income Accumulation Bond

Income Accumulation 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 Income Accumulation Bond, please complete the application form in the PDS.

Investment Bond	Income Accumulation Bond
Bond Type	Capital Guaranteed Net Contributions and annual bonus declared
Investment Objective and Strategy^^	To provide investors with capital security and competitive tax-paid returns over the medium term (5-7 years). It seeks to provide a rate of return in excess of a cash bond (such as the Capital Guaranteed Bond). The Income Accumulation Bond invests into a diversified portfolio of investments with the majority of investments in cash, mortgages and mortgage backed securities. The Bond also invests in property and property trusts (both listed and unlisted) and may also invest in money market and fixed interest investments and debt 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 % Property 0 20 Century Balanced Fund No.1 Over Fifty Direct Property Trust Australian Fixed Interest 0 95 Macquarie Investment Management International Fixed Interest 0 85 Macquarie Investment Management Cash 5 100 Macquarie Treasury Fund Alternative Assets 0 50 Held directly
Fund Managers^

Income Accumulation Bond Asset Allocation

For information about this bonds asset allocation, please download a copy of Income Accumulation Fund Investor Update.

Income Accumulation Bond Size

For information about the bonds size, please download a copy of Income Accumulation Fund Investor Update.

Income Accumulation 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 

Income Accumulation Fund Investor Update

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^ The current investment manager for cash, fixed interest and listed property is Macquarie Investment Management Limited (AFSL 237492) operating under a mandate from OFMFS. At the date of this PDS, the Bond has no exposure to listed property. Mortgages are held directly and are managed by companies within the Over Fifty Group Ltd. The responsible entity of the Century Bulky Goods Fund No.1 is Century Funds Management Ltd (AFSL 231149). The responsible entity of the Over Fifty Direct Property Trust is Over Fifty Funds Management Limited (AFSL 230326). We may add or remove investment managers or change the underlying funds in which the Bond invests 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.