Overseas Non-government Bonds Fund

Asset Class	Single asset class - International fixed interest
Geographic Focus	International
Market Index	Bloomberg Global Aggregate Government-related and Corporate Index (100% hedged to the New Zealand dollar)

Fund Value ( 31/10/2023)	$15,848,257
Fund Start Date	24 October 2007
Risk Indicator ( 29/09/2023)	Lower risk Higher risk 1 2 3 4 5 6 7 Potentially lower return Potentially higher return

Fund Value ( 31/10/2023)	$41,945,216
Fund Start Date	28 October 2016
Risk Indicator ( 29/09/2023)	Lower risk Higher risk 1 2 3 4 5 6 7 Potentially lower return Potentially higher return

Fund Value ( 31/10/2023)	$24,128,104
Fund Start Date	15 October 2007
Risk Indicator ( 29/09/2023)	Lower risk Higher risk 1 2 3 4 5 6 7 Potentially lower return Potentially higher return

Fund Value ( 31/10/2023)	$331,591
Fund Start Date	24 July 2012
Risk Indicator ( 29/09/2023)	Lower risk Higher risk 1 2 3 4 5 6 7 Potentially lower return Potentially higher return

Returns and Fees

31 October 2023

	Last month	Last year	3 years (p.a.)	5 years (p.a.)
Return (after deductions for charges and tax)	-0.37%	1.20%	-3.71%	-0.28%
Market Index Return (reflects no deductions for charges and tax)	-0.46%	1.84%	-4.30%	0.24%

Fee	Amount
Fund Charges (estimate)	0.54% per annum of fund's net value.
Administration fee	$30 a year (regardless of the number of investment options you invest in, or the number of times you change investment options). You do not pay the fee if you have all your money invested in the SuperLife Default Fund.

The returns are after tax at the highest prescribed investor rate (PIR) of tax for an individual New Zealand resident. Your tax may be lower. If you are a SuperLife investor, you can log in to see how your investments have performed.

	Last month	Last year	3 years (p.a.)	5 years (p.a.)
Return (after deductions for charges and tax)	-0.36%	1.29%	-3.60%	-0.19%
Market Index Return (reflects no deductions for charges and tax)	-0.46%	1.84%	-4.30%	0.24%

Fee	Amount
Fund Charges (estimate)	0.44% per annum of fund's net value.
Administration fee	$12 a year (regardless of the number of investment options you invest in, or the number of times you change investment options).

The returns are after tax at the highest prescribed investor rate (PIR) of tax for an individual New Zealand resident. Your tax may be lower. If you are a SuperLife investor, you can log in to see how your investments have performed.

	Last month	Last year	3 years (p.a.)	5 years (p.a.)
Return (after deductions for charges and tax)	-0.37%	1.21%	-3.66%	-0.22%
Market Index Return (reflects no deductions for charges and tax)	-0.46%	1.84%	-4.30%	0.24%

Fee	Amount
Fund Charges (estimate)	0.54% per annum of fund's net value.
Administration fee	$12 a year (regardless of the number of investment options you invest in, or the number of times you change investment options).
Transfer fee	You will only be charged this fee if you transfer money from your member account to a KiwiSaver scheme and the transfer is to a KiwiSaver scheme other than the SuperLife KiwiSaver scheme. The fee is $50 for each transfer.

The returns are after tax at the highest prescribed investor rate (PIR) of tax for an individual New Zealand resident. Your tax may be lower. If you are a SuperLife investor, you can log in to see how your investments have performed.

	Last month	Last year	3 years (p.a.)	5 years (p.a.)
Return (after deductions for charges and tax)	-0.38%	1.01%	-3.78%	-0.34%
Market Index Return (reflects no deductions for charges and tax)	-0.46%	1.84%	-4.30%	0.24%

Fee	Amount
Fund Charges (estimate)	0.75% per annum of fund's net value.
Administration fee	$60 a year (regardless of the number of investment options you invest in, or the number of times you change investment options).

The returns are after tax at the highest prescribed investor rate (PIR) of tax for an individual New Zealand resident. Your tax may be lower. If you are a SuperLife investor, you can log in to see how your investments have performed.

31 October 2023

Name	Type	%
Vanguard International Credit Securities Index Fund - AUD Hedged	International fixed interest	101.27%
ANZ NZD Current Account	Cash and cash equivalents	0.30%
Net Current Assets	Cash and cash equivalents	-0.02%
Foreign exchange hedging contract	Cash and cash equivalents	-1.54%

Geography

31 October 2023

Country	%	Relative Weighting
United States	42.51%
Canada	9.24%
Germany	7.99%
France	6.48%
United Kingdom	5.06%
Japan	3.66%
Australia	3.14%
China	2.50%
The Netherlands	2.44%
Spain	1.49%
Italy	1.36%
South Korea	1.24%
Switzerland	1.21%
Sweden	0.95%
Belgium	0.91%
Saudi Arabia	0.83%
United Arab Emirates	0.75%
Mexico	0.73%
Chile	0.51%
Ireland	0.51%
Norway	0.51%
Finland	0.46%
Singapore	0.46%
Hong Kong	0.42%
Austria	0.41%
Denmark	0.36%
Qatar	0.35%
Luxembourg	0.34%
New Zealand	0.32%
Philippines	0.32%
Romania	0.32%
Peru	0.21%
Poland	0.20%
Israel	0.20%
Panama	0.19%
Taiwan	0.19%
Hungary	0.18%
Brazil	0.17%
Malaysia	0.15%
Portugal	0.11%
Bermuda	0.10%
South Africa	0.09%
Thailand	0.09%
Uruguay	0.09%
Kuwait	0.07%
Czech Republic	0.07%
Macau	0.07%
Kazakhstan	0.05%

Portfolio Characteristics

31 October 2023

Duration	5.9
Current Yield	4.60%

Credit Allocation

31 October 2023

Credit Allocation	%	Relative Weighting
AAA	13.40%
AA- to AA+	18.50%
A- to A+	31.40%
BBB- to BBB+	35.00%
BB+ and lower, settlements	1.70%