Monthly Investment Performance - AMP Life

Monthly Investment Performance

as at 31 October 2021

Contents Information about your investment performance Investment performance for:

AMP Flexible Income Plan (ULKP) AMP Investment Linked Personal Superannuation Bond (ULASP) AMP Investment Linked Superannuation Plan (ULA) AMP Investment Linked Personal Superannuation Plan (ULS) AMP Investment Linked Superannuation Plan (ULJ) AMP MultiFund Flexible Income Plan (ULMA) AMP MultiFund Superannuation Bond (ULMB and ULMBN) AMP Personal Superannuation Plan (ULES) AMP Portfolio Plan (UL) AMP Super Rollover Plan Personal Superannuation Bond (ULAR) Accelerator Personal Superannuation Plan Flexible Income Plan Flexible Pension Plan Flexipol Superannuation Plan Goldline Personal Superannuation Plan Personal Super Bond Provider Personal Retirement Plan Provider Top Up Retirement Plan Retirement Bond Retirement Directions Allocated Pension Plan Retirement Security Plan Super Directions Personal Super Plan

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AMP Life Limited ABN 84 079 300 379 (AMP Life) has proudly served customers in Australia since 1849. AMP Limited ABN 49 079 354 519 has sold AMP Life to the Resolution Life Group whilst retaining a minority economic interest. AMP Limited has no day-to-day involvement in the management of AMP Life whose products and services are not affiliated with or guaranteed by AMP Limited. `AMP', `AMP Life' and any other AMP trade marks are used by AMP Life under licence from AMP Limited.

Information about your investment performance

Past performance should not be taken as an indication of future performance Returns are calculated from historical crediting rates declared or changes in investment unit prices over the period shown. Returns are after fees, costs and investment earning tax included in the unit price or crediting rate declared (rebates are excluded). They assume a sum of money invested at the beginning of the time period and not drawn upon or added to throughout that period. The actual rate of return of your account will vary from those shown depending on individual plan features such as direct fees and taxes you may have to pay and the timing of contributions, switches and withdrawals. The investment earnings of superannuation and non-superannuation products are subject to different rates of tax which affect the returns. You should exercise caution in making judgement about the quality of a superannuation fund (superannuation investment option) or investment option based on this past performance. Past performance is not indicative of future performance. Any number of factors can cause performance comparisons to be inaccurate, including:

Asset allocations The strongest explanation of performance differences between investment options is the amount allocated to different classes (the `asset allocation'). Different asset allocations arise between investment options in order to achieve their investment objective. Each type of asset allocation has a different level of risk. Typically, growth assets can be more volatile for example, Australian Equities tend to be more volatile than Australian Bonds.

Pricing policies The methodology used to assess the value of the underlying investments of the investment option, and how often any returns are applied to your account. Sometimes pricing and/or allocation of returns can cause performance to be distorted over time (ie not reflect the actual price you would receive if the underlying assets were sold on that day), which can mean inequities between members returns.

Timing of your contributions Your returns may differ substantially to those shown, due to the timing of your contribution. This is due to the timing and amount of any deductions or switches from your account including any fees not incorporated into the unit price. Another thing to consider when comparing performance is your ability to access superannuation when you want it. The frequency that the provider allows redemptions, the amount of the redemption that they can suspend or freeze, which is often impacted by the amount allocated to underlying assets which are not easily sold, and any fees or costs associated with redeeming the investment. You can find out more about our approach to these items and how they impact on the return in your investment option at .au.

What you need to know This report is issued by Equity Trustees Superannuation Limited (ETSL) ABN 50 055 641 757, AFSL No. 229757 as trustee of the National Mutual Retirement Fund (NMRF) ABN 76 746 741 299, the issuer of this/these product/s and was prepared by AMP Life Limited ABN 84 079 300 379 (AMP Life) as administrator, which is part of the Resolution Life group. None of AMP Life and/or other companies within the Resolution Life Group or any of the investment managers of the investment options guarantees the performance, the investment options or a particular rate of return. The repayment of capital is not guaranteed, unless expressly stated. Investments in this product are not bank deposits with AMP Life or any other company in the Resolution Life Group. The information in this report is of a general nature only and is based on information available as at the time of production and on sources considered to be reliable. No representation is given in relation to the accuracy or completeness of any statement contained in it.

None of AMP Life or any other company in the Resolution Life Group accept any liability or responsibility for any acts or decisions taken by members based on the information or advice (if any) contained in this report. Any advice (if any) in this document is general in nature and is provided by AMP Life, which is part of the Resolution Life Group. The advice does not take into account your personal objectives, financial situations or needs. Therefore before acting on the advice, you should consider the appropriateness of the advice having regard to those matters and the current Product Disclosure Statement (PDS) or policy document available from AMP Life at .au or by calling 133 731, before making a decision about this product. Consider speaking to a financial adviser if you have any concerns. Read our Financial Services Guide for information about our services, including the fees and other benefits that AMP Life and their representatives may receive in relation to products and services provided to you.

Product / Investment option AMP Flexible Income Plan (ULKP)

AMP Balanced Growth AMP Capital Guaranteed Fixed Interest AMP Conservative AMP Investment Linked Personal Superannuation Bond (ULASP) AMP Investment Linked Superannuation Plan (ULA) AMP All Growth AMP Australian Share AMP Balanced Growth AMP Capital Guaranteed Fixed Interest AMP Conservative AMP Direct Property AMP International Share AMP Investment Linked Personal Superannuation Plan (ULS) AMP All Growth AMP Balanced Growth AMP Conservative AMP Investment Linked Superannuation Plan (ULJ) AMP All Growth AMP Balanced Growth AMP Cash Based AMP Conservative AMP MultiFund Flexible Income Plan (ULMA) AMP All Growth AMP Australian Bond Australian Share Index AMP Australian Share AMP Balanced Growth AMP Cash AMP Conservative AMP High Growth AMP International Bond (closed to new investors) AMP International Share (closed to new investors) International Share Index AMP Listed Property Trusts AMP Moderate Growth AMP Secure Growth Macquarie Income Opportunities Alphinity Australian Share BlackRock Global Bond BlackRock Scientific Hedged International Share Future Directions Australian Bond Future Directions Balanced Future Directions Conservative Future Directions Growth Future Directions High Growth Future Directions International Bond Future Directions Moderately Conservative Perpetual Industrial Share Schroder Australian Equities Specialist Australian Share Specialist International Share Specialist Property and Infrastructure Zurich American Century Global Growth

1 year %

18.36 0.00 6.63

24.31 24.75 16.52 0.00 5.80 12.93 22.93

24.31 16.52 5.80

24.31 16.52 -1.36 5.80

26.88 -5.40 28.65 28.70 18.07 0.00 6.52 22.95 -2.91 24.59 28.83 29.64 12.63 3.71 -0.06 29.60 -2.09 33.72 -8.43 18.48 5.77 23.37 25.92 -3.55 11.34 34.56 31.89 23.87 23.93 27.56 25.68

3 years % pa

8.78 1.10 4.68

10.68 12.24

8.03 0.08 4.16 5.33 12.70

10.68 8.03 4.16

10.68 8.03 -0.62 4.16

11.58 2.03

12.31 12.25

8.92 0.10 4.58 10.45 2.36 13.08 13.88 12.82 6.85 3.85 0.36 12.65 2.92 13.08 0.95 8.08 3.62 9.51 10.03 2.04 5.63 10.38 10.20 12.48 12.45 7.35 19.23

5 years % pa

8.23 0.82 4.20

10.00 10.19 7.47 0.18 3.75 6.34 13.18

10.00 7.47 3.75

10.00 7.47 -0.30 3.75

10.73 1.57 10.71 10.48 8.24 0.17 4.06 9.78 1.08 13.66 13.68 10.08 6.21 4.16 0.62 11.90 1.32 12.80 0.63 7.19 3.10 8.60 9.25 0.75 5.08 8.18 10.08 10.81 12.99 6.04 17.14

10 years % pa

8.74 1.17 5.05

9.80 8.97 7.92 0.72 4.56 6.26 13.90

9.80 7.92 4.56

9.80 7.92 0.45 4.56

10.32 3.06 9.72 9.42 8.62 0.78 4.94 9.79 2.76

14.85 14.05 12.43

6.90 4.08 3.23 10.60 3.25 12.27 2.14 8.04 4.19 9.31 9.77 2.44 5.95 10.18 8.92 9.59 13.79 7.99 14.03

Product / Investment option AMP MultiFund Superannuation Bond (ULMB and ULMBN)

AMP All Growth AMP Australian Bond (only applicable to ULMBN) AMP Australian Share AMP Balanced Growth AMP Capital Guaranteed Fixed Interest AMP Conservative AMP International Share AMP Listed Property Trusts AMP Moderate Growth Future Directions Balanced Future Directions Conservative Macquarie Australian Enhanced Equities AMP Personal Superannuation Plan (ULES) AMP All Growth AMP Australian Share AMP Balanced Growth AMP International Share AMP Portfolio Plan (UL) Portfolio Plan AMP Super Rollover Plan Personal Superannuation Bond (ULAR) Superannuation Rollover - Short Dated Fixed Interest Accelerator Personal Superannuation Plan Balanced Capital Guaranteed1 Cash Equity Fully Guaranteed1 Managed Property Flexible Income Plan (entry fee option) Cash Diversified Fixed Interest Listed Property Multi-manager Australian Equities Multi-manager Balanced Multi-manager Secure Property Biased Secure Flexible Income Plan (nil entry fee and exit fee option) Cash Listed Property Managed Matched Multi-manager Australian Equities Multi-manager Balanced Multi-manager Secure Property Biased 1. These portfolios accrue interest at the declared crediting rate.

1 year %

24.32 -5.61 24.76 16.53 0.00 5.90 23.18 26.58 11.13 16.12 4.10 24.80

24.31 24.75 16.52 22.93

18.48

-1.86

12.17 1.27 0.35 26.56 1.28 17.05 17.8

0.06 -4.39 33.10 29.13 19.20 5.99 11.95 4.80

0.04 33.09 18.32 11.53 29.13 19.21 5.99 13.59

3 years % pa

10.49 0.89

12.05 7.85 0.00 3.85

12.72 11.82

6.01 6.81 2.40 10.20

10.68 12.24

8.03 12.70

9.20

-0.88

7.11 1.69 0.59 13.12 1.70 9.11 5.89

0.80 1.99 10.25 13.03 9.49 4.13 5.37 3.93

0.79 9.88 8.91 6.20 12.61 9.27 3.78 7.09

5 years % pa

9.73 0.59 9.92 7.21 0.00 3.36 13.13 9.35 5.47 6.09 1.97 9.10

10.00 10.19 7.47 13.18

8.78

-0.41

6.38 2.01 0.76 11.25 2.02 8.26 6.73

0.58 1.40 8.07 11.03 8.15 3.57 5.91 3.77

0.36 7.60 7.90 5.49 10.52 7.75 3.12 6.84

10 years % pa

9.48 1.99 8.65 7.60 0.46 4.15 13.78 11.02 5.95 6.85 2.98 8.05

9.80 8.97 7.92 13.90

9.16

0.42

6.53 3.09 1.36 9.38 3.09 8.22

8.2

0.92 2.54 10.19 10.04 8.35 4.50 7.11 4.53

0.50 9.62 7.73 5.76 9.45 7.82 3.96 7.25

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Product / Investment option Flexible Pension Plan (entry fee option)

Cash Diversified Fixed Interest Multi-manager Balanced Multi-manager Secure Property Biased Secure Flexible Pension Plan (exit fee option - mature) Cash Diversified Fixed Interest Managed Matched Multi-manager Balanced Multi-manager Secure Property Biased Secure Flexipol Superannuation Plan Capital Guaranteed1 Goldline Personal Superannuation Plan Balanced Capital Guaranteed1 Cash Equity Fully Guaranteed1 Managed Property Personal Superannuation Bond Capital Guaranteed1 Managed Provider Personal Retirement Plan Cash Managed Matched Multi-manager Balanced Secure Provider Top Up Retirement Plan Cash Managed Matched Multi-manager Balanced Secure 1. These portfolios accrue interest at the declared crediting rate.

1 year %

0.06 -4.39 19.20 5.99 11.95 4.80

0.06 -4.42 16.60 11.53 19.20 6.00 11.97 4.81

0.82

12.17 1.67 0.35 26.56 1.68 17.05 17.80

1.13 16.88

0.03 16.76 11.90 16.66 6.04

0.08 16.80 11.87 16.71 6.04

3 years % pa

0.80 1.99 9.49 4.13 5.37 3.93

0.80 2.11 8.33 6.59 9.54 4.13 5.37 3.93

1.06

7.11 2.08 0.59 13.12 2.09 9.11 5.89

1.78 8.95

0.27 8.66 6.68 8.20 4.46

0.32 8.30 6.30 7.84 4.11

5 years % pa

0.58 1.40 8.15 3.57 5.91 3.77

0.58 1.55 7.78 5.96 8.18 3.57 5.91 3.76

1.25

6.38 2.40 0.76 11.25 2.41 8.26 6.73

2.17 8.12

0.37 7.77 5.91 7.10 3.99

0.20 7.30 5.43 6.63 3.54

10 years % pa

0.92 2.54 8.35 4.50 7.11 4.53

0.92 2.79 7.99 6.31 8.36 4.50 7.11 4.52

2.97

6.53 3.52 1.36 9.38 3.52 8.22 8.20

3.33 8.08

0.89 7.69 6.01 7.43 4.49

0.51 7.15 5.44 6.88 3.96

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Product / Investment option Retirement Bond (entry fee option)

Australian Equities Cash Diversified Fixed Interest Listed Property Managed Matched Multi-manager Balanced Multi-manager Growth Multi-manager High Growth Multi-manager International Equities Multi-manager Secure Property Biased Secure Retirement Bond (exit fee option) Australian Equities Cash Diversified Fixed Interest Listed Property Managed Matched Multi-manager Growth Multi-manager High Growth Multi-manager Balanced Multi-manager Secure Property Biased Secure Retirement Bond (exit fee option - mature) Australian Equities Cash Diversified Fixed Interest Listed Property Managed Matched Multi-manager Growth Multi-manager High Growth Multi-manager Balanced Multi-manager Secure Property Biased Secure

1 year %

25.22 0.03 -3.83 29.35 15.92 11.15 16.43 21.42 24.50 24.27 5.03 12.15 5.45

25.45 0.03 -3.83 29.10 15.96 11.15 21.30 24.41 16.48 5.02 12.09 5.41

25.23 0.03 -3.89 28.99 15.92 11.17 21.39 24.50 16.46 5.04 12.15 5.41

3 years % pa

11.75 0.27 1.38 9.10 7.90 5.98 7.96

10.05 11.15 12.75

3.49 5.66 3.86

11.22 0.27 0.79 8.35 7.27 5.27 9.43

10.53 7.34 2.86 4.97 3.19

11.74 0.27 1.36 8.97 7.89 5.98 9.87

11.14 7.99 3.50 5.66 3.84

5 years % pa

9.83 0.18 0.96 7.17 7.01 5.21 6.86 8.68 9.74 11.63 2.95 5.53 3.37

9.06 -0.15 0.20 6.23 6.19 4.35 7.89 8.94 6.06 2.16 4.66 2.55

9.82 0.18 0.96 7.07 7.01 5.22 8.57 9.74 6.88 2.96 5.53 3.37

10 years % pa

7.92 0.52 1.98 8.96 6.93 5.31 7.21 8.70 9.80 12.36 3.81 6.02 3.87

7.00 -0.14 1.03 7.94 5.96 4.32 7.77 8.78 6.25 2.83 4.98 2.90

7.93 0.52 1.96 8.89 6.93 5.32 8.64 9.72 7.22 3.80 6.03 3.86

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1 year

3 years

5 years

Product / Investment option

%

% pa

% pa

Retirement Directions Allocated Pension Plan (entry fee option and exit fee (mature) option)

AMP's Wholesale Global Equity - Index Fund2

27.47

15.21

13.98

Australian Equities

30.02

14.25

12.09

Cash

0.05

0.80

0.50

Colonial First State Wholesale Imputation Fund

27.57

15.60

13.34

Diversified Fixed Interest

-4.02

2.08

1.38

Listed Property

33.09

10.13

7.89

Multi-manager Australian Equities

29.23

13.01

11.00

Multi-manager Balanced

19.30

9.52

8.13

Multi-manager Growth

24.97

11.46

9.78

Multi-manager High Growth

28.26

14.09

11.77

Multi-manager International Equities

27.84

14.18

13.00

Multi-manager Secure

6.09

4.18

3.56

Multi-manager Secure Growth

12.85

6.95

5.92

Shielded

16.56

8.14

7.55

Retirement Directions Allocated Pension Plan (nil entry / nil exit fee option)

Cash

0.05

0.79

0.36

Colonial First State Wholesale Imputation Fund

27.56

15.32

12.98

Diversified Fixed Interest

-4.13

1.82

1.06

Listed Property

35.08

10.67

8.04

Multi-manager Balanced

19.45

9.37

7.86

Multi-manager Growth

25.01

11.19

9.44

Multi-manager High Growth

0.00

0.00

0.00

Multi-manager International Equities

29.16

15.65

14.60

Multi-manager Secure

6.09

4.02

3.30

Multi-manager Secure Growth

12.85

6.73

5.61

Shielded

18.34

8.78

7.75

Retirement Security Plan

Growth

20.51

9.90

8.89

High Growth

24.92

11.47

10.18

Managed

16.41

8.50

7.66

1. The returns from inception are provided only where the investment option has been operating less than 10 years.

2. The investment option is closed to new investors.

3. These portfolios accrue interest at the declared crediting rate.

10 years Since Inception % pa Inception1 Date1

0.77 10.75 2.46 9.85 9.96 8.28 9.59 11.16 13.65 4.43 6.44 7.73

11.34 10.05

21/01/14 30/04/12

0.49 10.36

2.10 9.76 7.92 9.20 -2.12 14.35 4.09 6.05 7.61

8.60 9.65 7.60

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1 year

3 years

5 years

Product / Investment option

%

% pa

% pa

Super Directions Personal Super Plan (entry fee option and exit fee (mature) option)

AMP's Wholesale Australian Equity - Value Fund

26.96

8.48

8.19

AMP's Wholesale Global Equity - Index Fund2

24.68

13.98

12.52

Australian Equities

25.94

12.37

10.41

Cash

0.03

0.27

0.11

Colonial First State Wholesale Imputation Fund

23.44

13.43

11.41

Diversified Fixed Interest

-3.80

1.23

0.76

Listed Property

29.47

9.23

7.23

Multi-manager Australian Equities

25.40

11.20

9.58

Multi-manager Balanced

16.78

8.24

7.09

Multi-manager Growth

21.52

9.84

8.52

Multi-manager High Growth

24.62

11.18

9.74

Multi-manager International Equities

24.38

12.79

11.62

Multi-manager Secure

5.21

3.63

3.05

Multi-manager Secure Growth

11.40

5.87

5.04

Shielded

15.86

7.83

6.89

Super Directions Personal Super Plan (exit fee option)

AMP's Wholesale Australian Equity - Value Fund

26.77

8.10

7.51

AMP's Wholesale Global Equity - Index Fund2

24.59

13.23

11.63

Australian Equities

26.05

11.82

9.65

Cash

0.01

0.28

-0.24

Colonial First State Wholesale Imputation Fund

23.42

12.87

10.65

Diversified Fixed Interest

-3.77

0.74

0.07

Listed Property

29.46

8.72

6.53

Multi-manager Australian Equities

25.41

10.73

8.93

Multi-manager Balanced

16.79

7.70

6.36

Multi-manager Growth

21.53

9.32

7.80

Multi-manager High Growth

24.66

10.68

9.02

Multi-manager International Equities

24.34

12.21

10.85

Multi-manager Secure

5.20

3.12

2.33

Multi-manager Secure Growth

11.45

5.39

4.34

Shielded

15.95

7.31

6.14

Super Directions Personal Super Plan (nil entry / nil exit fee option)

AMP's Wholesale Australian Equity - Value Fund

26.88

8.43

8.06

AMP's Wholesale Global Equity - Index Fund2

24.67

13.72

12.18

Cash

0.03

0.27

-0.03

Colonial First State Wholesale Imputation Fund

23.41

13.08

11.05

Diversified Fixed Interest

-3.78

1.05

0.49

Listed Property

29.44

8.96

6.90

Multi-manager Australian Equities

25.46

10.93

9.25

Multi-manager Balanced

16.74

8.03

6.79

Multi-manager Growth

21.51

9.58

8.19

Multi-manager High Growth

24.63

10.96

9.43

Multi-manager International Equities

24.45

12.02

10.99

Multi-manager Secure

5.23

3.63

2.88

Multi-manager Secure Growth

11.41

5.66

4.74

Shielded

15.88

7.60

6.63

1. The returns from inception are provided only where the investment option has been operating less than 10 years.

2. The investment option is closed to new investors.

10 years Since Inception % pa Inception1 Date1

8.02 - 9.99 21/01/14 - 8.55 30/04/12

0.39 9.20 1.74 8.96 8.67 7.38 8.58 9.69 12.27 3.84 5.64 6.78

7.13 - 5.83 21/01/14 - 7.65 30/04/12

-0.30 8.29 0.87 8.05 7.78 6.49 7.69 8.79 11.32 2.96 4.77 5.86

7.75 - 7.65 21/01/14

0.12 8.79 1.39 8.57 8.27 7.02 8.19 9.31 11.74 3.55 5.29 6.47

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