Core Facilities

The Hour-Glass Investment facilities are designed to meet our client investment needs.

Main Features

The main features of the 4 core facilities are summarised below.

Facility	Asset Sectors	Recommended Investment Horizon	Potential Volatility	Fees Guide
Cash	Cash	0-1.5 years	Low	0.08% pa
Strategic Cash	Cash	1.5-3 years	Moderate	0.09% pa
Medium Term Growth	Cash & Bonds (70%) & Shares (30%)	3-7 years	Medium	0.25% pa
Long Term Growth	Cash & Bonds (30%) & Shares (70%)	>7 years	High	0.36% pa

The "Fees Guide" gives indications of the aggregate fees paid from each facility to TCorp, the funds managers, the custodian and others. These amounts vary from time to time.

For more details on each of the facilities please refer to our investment brochure or contact a relationship manager at TCorp on (02) 9325 9325.

Volatility of Returns

The following graph illustrates that the longer term facilities are likely to have a greater volatility of returns, while also providing potential for higher returns than cash over their intended time horizons.

Note: This graph is illustrative only and does not represent actual or predicted performance of the facilities.