Lifestream Guaranteed Complying Income

• the security of having your payments and capital guaranteed
• a choice of investing for up to 25 years or for your lifetime
• increased age or service pension benefits, depending upon your circumstances
• highly competitive rates of return
• the ability to invest with your superannuation savings or personal savings
• the choice of receiving your payments monthly, quarterly, half-yearly or yearly
• the ability to choose to have your payments increased each year by a fixed rate or CPI
• the ability to choose a guaranteed payment period for lifetime investments

Social Security Benefits
Your investment can help you gain access to the age pension or service pension, or an increase in any benefits if you already receive them, depending upon your circumstances. This is because your investment will be counted as a 50% asset under the Assets Test.

Payment Flexibility
You can choose to receive payments monthly, quarterly, half-yearly or yearly. You can also choose to receive them by cheque or direct to your bank, building society or credit union account.

Increasing Your Payments
You can choose to have your payments increased each year by a fixed rate of up to 5% or by increases in the CPI to help you keep up with increases in the cost of living.

Guaranteed Period for Lifetime Investments
If you choose a Lifetime Investment, under Complying Income the guaranteed period can be up to a maximum of 20 years or your life expectancy (rounded up to the nearest whole year), whichever is shorter.

Tax Advantages
If you invest with superannuation money, an offset of up to 15% may be claimed on part of the income you receive. Investments made with superannuation money will also be assessed against the higher pension Reasonable Benefit Limit for lump sum tax purposes provided they meet certain requirements, which can mean you pay less tax.

Payments Can Continue On Death
You can choose to have the payments continue to another person on your death or they can continue to your estate (for lifetime investments the withdrawal value of the investment will be paid to your estate). Alternatively, the person you nominate or your estate can withdraw the investment if they prefer to do so.

Minimum Investment
The minimum investment amount is $20,000.

For more information or to apply for the Lifestream Guaranteed Complying Income, please read the current Product Disclosure Statement issued by The Colonial Mutual Life Assurance Society Limited and available from your Adviser or by calling our Customer Service Centre on 13 10 56 (from overseas call +61 13 10 56), between 8am and 8pm (Sydney time), Monday to Friday.