Examples

Superannuation Example

Client's situation: Client A is aged 40, and has $80,000 invested in a superannuation fund. He adds $791 a month to this superannuation. The trail on the superannuation account is 0.54% pa

YourShare actions: YourShare received the clients fund broker nomination form on 29th May 2007. YourShare lodged the broker nomination with the fund manager and reduced the initial commission paid on all regular contributions from 4% to 0%, meaning an additional $31.65 was added to the clients superannuation account each month.

Results: Assuming conservatively that the client does not increase the monthly superannuation contribution amount and the funds grow at 7.5% pa, and the client retires at age 65. Over the next 25 years the total yearly cash rebates received by the client will be $53,172. The savings in entry fees reinvested into the clients account yields another $27,765.

YourShare will save this client $80,928.

Margin Loan Example

Client's situation: Client B has a margin loan for $500,000. The trail on the margin loan is 0.3% pa.

YourShare actions: YourShare received the clients fund broker nomination form on 11th Oct 2007. YourShare worked with the margin loan provider to update the nominated broker on this account to YourShare.

Results: Assuming conservatively that the client does not increase the amount of the margin loan, and that the client maintains the margin loan.

Each year client B will receive a cheque from YourShare for $1,355.

Managed Fund Example

Client's situation: Client C is aged 38, and has $265,000 invested in a managed fund. She adds $100 a month to this investment. The trail on this managed fund is 0.44% pa

YourShare actions: YourShare received the clients fund broker nomination form on 9th September 2007. YourShare lodged the broker nomination with the fund manager and reduced the initial commission paid on all regular contributions from 4% to 0%, meaning an additional $4 was added to the clients investment account each month.

Results: Assuming conservatively that the client does not increase the monthly contribution amount and the funds grow at 7.5% pa, and the client cashes in their investment funds account at age 65. Over the next 27 years the total yearly cash rebates received by the client will be $107,803. The savings in entry fees reinvested into the clients account yields another $4,552.

YourShare will save this client $112,365.

Pension Example

Client's situation: Client D is aged 58 and retired. This client has $956,169 invested in a pension fund. He draws $5,500 a month from these funds. The trail on the pension account is 0.6% pa

YourShare actions: YourShare received the clients fund broker nomination form for the pension account on 14th December 2007. YourShare worked with the pension fund manager to update the nominated broker on the account to YourShare.

Results: Assuming conservatively that the funds grow at 7.5% pa, and the client continues to draw $5,500 a month from their pension each year to age 80. Over the next 22 years the total yearly cash rebates received by the client over their pension account will be $135,302. YourShare will rebate $135,302 to this client.

The year 1 Cash-Back will be $5,461, Year 2 Cash-Back $5,497, Year 3 Cash-Back $5,537.

Insurance Example

Client's situation: Client E is a married couple - both aged 34. They contacted YourShare to take out the following insurance for each life:

• Life cover - $900000
• Trauma cover - $250,000
• TPD cover - $700,000
• Income Protection

The client named 3 insurance companies they wanted to quote for the insurance cover.

YourShare actions: YourShare received the clients request during November 2007, and worked with the 3 insurance companies and obtained the insurance illustrations requested. The illustrations were sent to the client, who requested 1 amendment. Once the amendment was completed the client selected the insurance provider they wished to take out their insurance policies with. YourShare then sent the client the relevant insurance PDS and application forms.

Results: The premium quoted from the selected insurance provider was quoted as $1,181.76 for life A and $1,232.40 for life B. The insurance premium is stepped and increases with indexation each year. The commission structure is level at 32% pa. If we assume conservatively that the client keeps these insurance policies active until retirement age 65, without amending the level of cover.

YourShare will rebate in total over the next 10 years $17,621
YourShare will rebate in total over the next 31 years $145,560

(Actual insurance premium amounts are used for years 1 - 10, years. Premium amounts for years 11-31 are conservatively estimated at growing 5%pa)

Mortgage Example

The average mortgage has year one commissions of 0.6% of the loan amount, and ongoing annual commissions of 0.2%. Commission rates vary between products. YourShare will rebate to you 50% of the year1 commissions we receive and all trailing commissions received will be added to your Yearly Cash-Back account.

At the average commission rates on a $500,000 mortgage, YourShare will rebate $1,500 to you in year one, and $705 annually.

(Plus even more Cash-Back from your other products registered with the YourShare Yearly Cash-Back service)