The YourShare Yearly Cash Back Service works equally well for both existing and new financial products.

For existing financial products, all you have to do is nominate YourShare as your Broker. Nomination takes 2 minutes. Simply supply your name, the address to send your yearly Cash Back cheque to, and your fund / policy number (found at the top of your annual statement). YourShare will do the rest !

This will enable us to stop you paying any futher entry fees, and collect the annual trailing fees and commissions generated by your investments, and rebate YourShare back to you each year.

• there is no change to your existing investments performance
• there is no change to the management expense ratio (MER) charged by your fund manager to manage your investments
• YourShare have no control over your investing decisions or your investments, and there is no lock in contract
• you do not have to sell and re-buy your funds & you remain in complete control
• everything remains the same - except now you will stop paying entry fees and receive a Cash Back cheque every year

From the date YourShare is registered as your broker you will cease to pay any further entry fees and initial commissions. Typically entry fees range from 0% - 5% of every dollar you contribute to managed funds and retail superannuation funds.

The dollar amount of your Cash Back cheque each year, depends on the value of your financial products and the annual trail commissions paid by your managers / insurers.

Superannuation or Managed Funds Example of Savings
The table below sets out the total you will receive from YourShare, assuming your fund manager pays a trail of 0.5% pa and your funds grow at 7.5% pa. (typically trails range from 0.25% to 1.2% pa)

Current	Monthly	Total Cash Back and Savings to YOU
Investment	Contribution	5 years	10 years	15 years	20 years	30 years
$25,000	$100	$803	$2,048	$3,933	$6,740	$16,931
$50,000	$200	$1,605	$4,097	$7,867	$13,481	$33,861
$100,000	$500	$3,623	$9,292	$17,913	$30,792	$80,592
$500,000	$1,000	$11,929	$31,106	$61,693	$108,702	$284,018
$1,000,000	$5,000	$39,469	$104,294	$205,665	$359,714	$929,132

Each year on your membership anniversary YourShare will send you a statement reconciling all amounts received from fund managers on your behalf and your yearly Cash Back cheque for you to spend however you like.

Typically the level of trailing fees and commissions associated with these products ranges from 0.25% - 1.2% of the value or your investments each year. With the industry average being 0.5% every year. Once YourShare is your broker each year you will receive a Cash Back cheque for 50% - 70% of all trailing fees and commissions associated with your investments.

Entry fees and initial commissions range from 0% - 6% of every dollar you contribute. Once YourShare is your Broker all entry fees and initial commissions will be reduced to nil, so 100% of every dollar you contribute starts working for you from day 1.

As an Example John is aged 40, and has $80,000 invested in a superannuation fund. He adds $791 a month to super, and the trail is 0.54% pa. YourShare reduced the initial commission paid on all regular contributions from 4% to 0%. Meaning an additional $31.65 was added to John's superannuation account each month. Assuming conservatively that John does not increase his monthly contributions and the funds grow at 7.5% pa, and that John retires at age 65. Over the next 25 years the total Yearly Cash Back received by John will be $34,061. The savings in entry fees reinvested into the John's account yields another $27,765. YourShare will save John $61,826. (and when John rolls this over into a Pension the YourShare savings will keep accumulating)

Margin Loans and CMT's typically generate trailing fees and commissions ranging from 0.25% - 0.75% of the outstanding balance each year.

As an Example Ben has a margin loan for $500,000. The trail on the margin loan is 0.33% pa. YourShare worked with the margin loan provider to updated the nominated broker on Ben's account to YourShare. Assuming that the margin loan amount is maintained, Each year Ben will receive a cheque from YourShare for $825.

For New and Existing policies, the amount of commission depends on the type of insurance, the way the insurance policy was set up when taken out, and the amount of premium paid each year.

For new and existing insurances you can be paying 20% to 135% of the first years premium in commissions. Each year there, commissions may range from 0% to 35% of the annual premiums you pay.

Nomination does not affect your insurance cover, the premium  you pay or the policy terms and conditions. If you are looking for a new insurance policy, simply go to the insurance illustration request page or contact YourShare directly.

As an Example David & Sue are both aged 34 and married. They have taken out the following insurance through the YourShare no advice service: Life cover - $450,000, Trauma cover - $125,000, TPD cover - $350,000 and Income Protection. The client named 3 insurance companies they wanted to quote for the insurance cover. The premium quoted from their selected insurer was $1,181.76 for life David and $1,232.40 for Sue. The insurance premium is stepped and increases with indexation each year. The commission structure is level at 32% pa The Year 1 Cash Back will be $386.27

YourShare rebates 100% of entry fees & initial commissions on all further contributions to your investments.

YourShare charges a percentage of the Trailing Commissions collected on your behalf for administering the Yearly Cash Back service. The percentage charged depends on the total amount of the trailing commissions collected for you each year. The YourShare charge ranges from 30% to 50% of all trailing fees and commissions collected across your nominated financial products.

The table below sets out how your YourShare yearly cash rebate payment is calculated:

YourShare is a discount fund supermarket where you can access all financial products available in the market. We are completely independent and not restricted to specific fund managers.

All financial products taken out through YourShare automatically participate in the YourShare Yearly Cash Back service.

To read more about taking out New Financial Products with YourShare, click here, or call 1300 554 774.

Example of Savings:
Investing $100,000 in a Superannuation fund with an initial entry fee of 5% and a trail commission of 0.6% pa

* these commissions may be negotiated