Salaam Defensive

Description	Invests across a diversified range of Islamic asset classes with the emphasis on income-producing asset classes, including Australian and International Equities, Unlisted Assets, Alternative Assets, Islamic Cash and Islamic Fixed Income. It is expected to provide some capital growth over the medium term as well as protecting the value of your net investment. This option is intended to be suitable for investors seeking a higher level of income investing for the medium term.
Investment objective	To achieve an average net return (after investment fees and tax) equal or better than inflation plus 2.0% p.a. over rolling 5-year periods.
Suggested minimum timeframe	Minimum 5 years
Target allocation ¹	40% Growth Assets 60% Defensive Assets
Risk level	Medium
Administrative fees and costs	0.23% of your account balance per year plus $60 per year
Investment fees & costs (estimates only) ²	1.13% 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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