Salaam-Balanced

Description	Invests across a diversified range of Islamic asset classes, including Australian and International Equities, Unlisted Assets, Islamic Cash and Islamic Fixed Income. This option is intended for members seeking an investment option with a balance of income and capital growth, with the emphasis on long-term capital growth.
Investment objective	To achieve an average net return (after costs and tax) equal to or better than inflation plus 2.5% p.a. over rolling 7-year periods.
Suggested minimum timeframe	Minimum 7 years
Target allocation ¹	60%-80% Growth Assets 20%-40% Defensive Assets
Long term risk level	High
Administrative fees and costs	0.23% of your account balance per year plus $60 per year
Investment fees & costs (estimates only) ²	1.36% of assets p.a.
Transaction costs (estimates only)	0.03% of assets p.a.

For members seeking a higher level of income investing for the medium term.

For members seeking a lower cost option, balancing income and long-term capital growth.

For members seeking long-term growth assets combined with income-producing asset classes.

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Salaam Balanced