Conservative Fund Example

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The NZRDA Member

Superannuation Plan


This presentation should be viewed in conjunction with
the NZRDA Member Superannuation Plan Investment
Statement and Q & A and in no way should be
considered a substitute for the NZRDA Member
Superannuation Plan’s Investment Statement.

Parties to the Plan


Trustee: Lighthouse Superannuation Nominees Ltd, a
subsidiary of TOWER


Instigator: NZRDA


Participating Employers: All DHB’s who have signed to
Participate in the Plan


Members: Employees of the Participating DHBs
employed as Dental or Medical Officers


Administration Manager: TOWER


Investment Managers: ANZ Asset Management/ BNZ
Asset Management/ Bankers Trust/ ING & TOWER Asset
Management

Features & Benefits


What are the contribution levels?

Member:

2% of your salary for the first year of the
Plan, increasing to 4% for the second year and 6% for
the third and subsequent years

DHB:

2% of members salary for the first year of the
Plan, increasing to 4% for the second year and 6% for
the third and subsequent years



Note: members may also make lump sum investments or
contribute at a higher percentage of salary from that
shown above




When can the funds be withdrawn?

Anytime after normal retirement age or early
retirement age with Employer consent

Upon resignation, redundancy, death or forced
leaving of service due to ill health

Members may withdraw their own contributions once
every 5 years subject to a minimum withdrawal of
$1,000

Funds may also be withdrawn should a member
resign from one DHB to take a position with another


Features & Benefits

Investment Options


What options do I have?

There are 14 different options that you may choose
from
-
9 Managed Funds and 5 Single Sector Funds

They vary in volatility from a conservative Cash Fund
to a more aggressive NZ or International Shares Fund

There are 5 different Fund Managers ranging from
ANZ Asset Management (1), BNZ Asset Management
(3), BT (2), ING (1) & TOWER (7)

You May elect up to 4 different funds. A minimum of
25% in any one fund applies to contribution
cashflows

Refer to the Investment Statement for details


Conservative Fund Example

%

Cash

60%

NZ Fixed

Interest

20%

Global Fixed

Interest

20%

Please note this graph is for illustrative purposes only


Balanced Fund Example

NZ Equities

10%

Global Fixed

Interest

20%

Property


10%

Cash

10%

NZ Fixed

Interest

20%

Please note this graph is for illustrative purposes only

International Equities
30%

Growth Fund Example

NZ Equities

25%

NZ Fixed

Interest


12.5%

International Equities 50%




Global Fixed

Interest

12.5%

Please note this graph is for illustrative purposes only

The Best Performing Asset Classes


12.10

-
21.61

5.64

8.67

10.46

0.88

2002

10.93

16.00

-
1.84

21.42

13.00

12.80

13.08

0.44

10.27

8.20

Global
Bonds
6

-
0.11

23.27

1.23

24.48

23.07

26.97

24.38

28.91

-
8.28

-
13.10

Global
Shares
5

6.92

6.84

6.31

9.36

9.76

7.83

8.06

4.85

6.56

6.10

NZ Cash
4

11.96

13.52

-
2.79

13.23

8.80

6.79

14.09

0.06

11.12

4.75

NZ
Bonds
3

-
39.23

-
5.56

2.79

13.87

23.32

6.61

4.80

-
6.39

7.34

12.12

NZ Listed
Property
2

10.84

47.84

-
7.16

20.12

17.33

4.30

-
4.42

13.30

-
8.03

13.39

NZ
Shares
1

1992

1993

1994

1995

1996

1997

1998

1999

2000

2001

Asset
class

Annual percentage returns by asset class*

*Based on the following indices: 1. NZSE 40 Gross Index; 2. NZSE Property Gross Index; 3. CSFB Government Bond Index;

4. CSFB 90 Day Bank Bill Index; 5. MSCI World Accumulation Index hedged in NZ$; 6. SSB World Government Bond Index (hedged).


US Market Returns 1928
-

2002


-50
-40
-30
-20
-10
0
10
20
30
40
50
1928
1931
1934
1937
1940
1943
1946
1949
1952
1955
1958
1961
1964
1967
1970
1973
1976
1979
1982
1985
1988
1991
1994
1997
2000
OIL
CRISIS

GULF
WAR

DOT.COM
BUBBLE

1990’S
BOOM

VIETNAM

WAR
ENDS

CUBAN
CRISIS

GREAT
DEPRESSIO
N

WORLD
WAR II

*(
Source
: S&P500
-

Bloomberg

In US$
-

To 31/12/02)

Time in the market (not market timing)


Source:
S&P 500

Accumulation Index


*Period studied: June 1992
-
June 2002



S&P 500

Acc Index
*

1991
-
2001

Annualised Returns

All 2,6
08

trading days



9.27
%

Minus 10 best days



4.66
%

Minus 20 best days



1.26
%

Minus 30 best days


-
1.48
%

Minus 40 best days


-
3.89
%

Minus 50 best days


-
6.06
%

Minus 60 best days


-
8.09
%

Minus 70 best days


-
9.97
%

Joining the Plan


Complete the Application for Membership form and
post it to NZRDA


Once registered with TOWER deductions will
commence from your salary and TOWER will confirm
your membership in writing


At the same time you will be advised of your web
access number to ‘supersite’ so that you can monitor
your membership accounts and investment returns


DHBs joining @ 1 July 2003


Waitemata, Auckland, Counties Manukau, Waikato,
BOP, Lakes, Tairawhiti, Taranaki, Whanganui, Hutt
Valley, Capital & Coast, Nelson Marlborough,
Canterbury & Otago



DHBs joining 30 June 2004


Northland, Hawkes Bay, MidCentral, Wairarapa,
South Canterbury, West Coast & Southland

Important Points To Note


This information is given in good faith and has been derived from sources believed to be
accurate. However neither NZRDA nor any of their employees gives any warranty of
reliability or accuracy nor accepts any responsibility arising in any other way for errors or
omissions.



Past performance is not necessarily indicative of future performance.



The RDA, Participating Employers or the TOWER Group do not guarantee repayment of
capital or future performance of any fund within the NZRDA Member Superannuation Plan.



This material has been prepared specifically for illustrative purposes only and is not a
securities recommendation, it does not contain securities advice. In preparing this
presentation, we have not taken any individual investor's personal circumstances into
account. This presentation should not be relied upon as the basis for an investment
decision. Investors considering investing in the Plan should obtain a copy of the current
Investment Statement and consult their Financial Adviser.