Education Savings Plan
Rate current as at 31 December 2008 |
| Income Distribution Return |
3.03%pa^ |
| Education Plan Tax Benefit |
1.31%pa^ |
| Total Return |
4.34%pa^ |
|
^The Income Distribution Return is the "tax paid" return and the Education Plan Tax Benefit is the tax benefit available when you claim genuine educational expenses. Past performance is no indication of future returns. Total return from 1/07/08 to 31/12/08. |
FlexiGrowth Investment
|
| Investment Options |
Returns |
As at |
| Capital Guaranteed (formerly Bonus Bond) |
4.29%pa^ |
31/12/08 |
| Income (formerly Income Fund) |
3.00%pa^ |
31/05/09 |
| Cash Enhanced |
3.25%pa^ |
31/05/09 |
| High Yield |
4.00%pa^ |
1/01/09 - 31/03/09 |
|
^Past performance is no indication of future returns. Rates are effective annualised rates (compounded), net of all fees and charges and assume income is reinvested.
Please refer to the Product Disclosure Statement for the FlexiGrowth Investment for further details on the FlexiGrowth investment options.
|
Flexishield Investment Bond
Latest Rate |
|
|
^Flexishield Investment Bond returned 3.8%pa for the financial year 2007/08. Past performance is no indication of future returns.
Closed to new investors - advice to existing customers only. |
Funeral Bond
|
| 01/07/2007 - 30/06/2008 |
3.00%pa^ |
|
^Past performance is no indication of future returns. The total return is the sum of the bonus rate and the Funeral Bond tax benefit.
This product is closed to new applications.
|
FuneralPlan Bond
|
| 01/07/2007 - 30/06/2008 |
5.00%pa^ |
|
^Past performance is no indication of future returns. The total return is the sum of the bonus rate and the FuneralPlan Bond tax benefit. |
TaxSmart Investments
28/06/2009 |
| Investment Options |
Rates |
As at |
| Cash Enhanced |
4.43%pa^* |
31/03/2008 |
| High Yield |
4.83%pa^* |
31/03/2008 |
| Growth |
-6.51%pa^# |
31/05/2009 |
| Australian Share |
-8.50%pa^# |
31/05/2009 |
| Investment Options |
Unit Price |
As at |
| Growth |
0.85848 |
8:30am 28/06/2009 |
| Australian Share |
0.82611 |
8:30am 28/06/2009 |
|
^Past performance is no indication of future returns. Please refer to the Product Disclosure Statement for the Lifeplan TaxSmart Investments for further details on the TaxSmart Investment options.
All four investment options were newly established on 1 February 2007.
*Rates are effective annualised rates (compounded), net of all fees and charges and assume income is reinvested. Returns for the Cash Enhanced and High Yield options are declared quarterly. As these are new options the stated returns relate to the period 01/02/2007 to 31/03/2009.
#Annualised performance since establishment. The returns for the Growth and Australian Share Options are net of all fees and charges and are based on the movement in unit prices for the period 01/02/2007 to 31/05/2009.
|
Term Deposit
Rates current as at 23rd February 2009 |
| Term |
$1,000 to $4,999 |
$5,000 to $24,999 |
$25,000 to $49,999 |
$50,000+ |
| SPECIAL OFFERS |
|
|
|
|
| NEW MONEY ONLY |
|
|
|
|
| 3 mnths |
n/a |
4.00%pa^ |
4.00%pa^ |
4.00%pa^ |
| 6 mnths |
n/a |
3.75%pa^ |
3.75%pa^ |
3.75%pa^ |
| STANDARD RATES |
|
|
|
|
| 1-2 mnths |
0.50%pa^ |
1.50%pa^ |
1.75%pa^ |
2.00%pa^ |
| 3-5 mnths |
1.00%pa^ |
2.00%pa^ |
2.50%pa^ |
2.75%pa^ |
| 6-8 mnths |
1.25%pa^ |
2.25%pa^ |
2.75%pa^ |
3.00%pa^ |
| 9-11 mnths |
1.50%pa^ |
2.50%pa^ |
3.00%pa^ |
3.25%pa^ |
| 12 mnths |
1.75%pa^ |
3.25%pa^ |
3.50%pa^ |
3.50%pa^ |
| 24 mnths |
1.75%pa^ |
3.00%pa^ |
3.00%pa^ |
3.00%pa^ |
| 36 mnths |
1.75%pa^ |
3.00%pa^ |
3.00%pa^ |
3.00%pa^ |
| 48 mnths |
1.75%pa^ |
3.00%pa^ |
3.00%pa^ |
3.00%pa^ |
| 60 mnths |
1.75%pa^ |
3.00%pa^ |
3.00%pa^ |
3.00%pa^ |
|
^Refer to Lifeplan Savings and Investment Accounts and Payment Facilities Terms and Conditions.
TERMINATION VALUE - Deposit Account holders may find out the current termination value of their deposit product(s) at any time by enquiring at the service counter of a Lifeplan Branch. There is no charge for the provision of this information. |
Wealth Builder Closed to new investors - advice to existing customers only
Unit Prices effective 8:30am Saturday 27 June, 2009
|
| Wealth
Builder Australian |
$
1.73520 |
|
|
|
Bonus Cash Account
Rate current as at 9th February 2009 |
|
|
^Refer to Lifeplan Savings and Investment Accounts and Payment Facilities Terms and Conditions. Interest Rate is published weekly in the Advertiser, Monday Money.
TERMINATION VALUE - Deposit Account holders may find out the current termination value of their deposit product(s) at any time by enquiring at the service counter of a Lifeplan branch. There is no charge for the provision of this information. |
Savings and Cheque Account
At Call or Cheque Accounts
Rates Current as at 1st March 2009 |
|
Rate |
| $0 to $4,999 |
0.10%pa^ |
| $5,000 to $9,999 |
0.10%pa^ |
| $10,000 to $19,999 |
0.10%pa^ |
| $20,000 to $49,999 |
0.15%pa^ |
| $50,000 plus |
0.50%pa^ |
|
^Refer to Lifeplan Savings and Investment Accounts and Payment Facilities Terms and Conditions.
TERMINATION VALUE - Deposit Account holders may find out the current termination value of their deposit product(s) at any time by enquiring at the service counter of a Lifeplan Branch. There is no charge for the provision of this information. |
Money Market Account
Rates effective from 1st March 2009 |
|
Rate |
| $500 to $4,999 |
0.50%pa^ |
| $5,000 to $9,999 |
1.00%pa^ |
| $10,000 to $49,999 |
1.75%pa^ |
| $50,000 plus |
2.50%pa^ |
|
^Refer to Lifeplan Savings and Investment Accounts and Payment Facilities Terms and Conditions.
TERMINATION VALUE - Deposit Account holders may find out the current termination value of their deposit product(s) at any time by enquiring at the service counter of a Lifeplan branch. There is no charge for the provision of this information. |
FlexiSmart Home Loan Currently only lending in South Australia
Rates current as at 23rd February 2009* |
|
New Borrower |
Comparison Rate |
| Fixed 1 Year^^^ |
5.79%^ |
5.47%^^ |
| Fixed 2 Years^^^ |
5.79%^ |
5.51%^^ |
| Fixed 3 Years^^^ |
6.09%^ |
5.62%^^ |
| Fixed 4 Years^^^ |
6.59%^ |
5.86%^^ |
| Fixed 5 Years^^^ |
6.69%^ |
6.00%^^ |
| Variable Rate* |
5.39%^ |
5.43%^^ |
|
^Loans are available for either owner occupier or investment purposes. Terms and conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply.
*Existing Variable Loans Effective 1st March 2009 |
^^Comparison Rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are applicable for secured loans only.
|
^^^Loans revert to the Lifeplan FlexiSmart Variable Rate.
WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
A comparison Rate schedule is available at Lifeplan's Head Office.
Comparison Rates calculated for a wider range of loan amounts and loan terms are available on the Lifeplan FlexiSmart Home Loan Comparison Schedule.
|
| Click Here To Download the Schedule
|
Home Equity Loan Currently only lending in South Australia
Rates Current as at 23rd February 2009* |
|
Rate |
Comparison Rate |
| Variable Rate^^^ |
5.89%pa^ |
5.96%pa^^ |
| Fixed for the first 12 months^^^ |
5.79%pa^ |
5.95%pa^^ |
|
^Terms and conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply. *Existing variable loans effective 1st March 2009. |
^^Comparison Rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are applicable for secured loans only.
|
^^^Loans revert to variable rate.
WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
A Comparison Rate schedule is available at Lifeplan’s Head Office.
Comparison Rates calculated for a wider range of loan amounts and loan terms are available on the Lifeplan Home Equity Loan Comparison Rate Schedule.
|
| Click Here To Download the Schedule
|
Home Loan Currently only lending in South Australia
Rates Current as at 23rd February 2009* |
|
New Borrower |
Comparison Rate |
| Fixed 1 Year^^^ |
5.79%pa^ |
5.95%pa^^ |
| Fixed 2 Year^^^ |
5.79%pa^ |
5.94%pa^^ |
| Fixed 3 Year^^^ |
6.09%pa^ |
6.02%pa^^ |
| Fixed 4 Year^^^ |
6.59%pa^ |
6.22%pa^^ |
| Fixed 5 Year^^^ |
6.69%pa^ |
6.31%pa^^ |
| Variable Rate* |
5.89%pa^ |
5.96%pa^^ |
|
^Loans are available for owner occupier or investment purposes.
Terms and conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply.
*Existing Variable Loans Effective 1st March 2009. |
^^Comparison Rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are applicable for secured loans only.
|
^^^Loans revert to standard variable rate.
WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
A Comparison Rate schedule is available at Lifeplan’s Head Office.
Comparison Rates calculated for a wider range of loan amounts and loan terms are available on the Lifeplan Home Loan Comparison Rate Schedule.
|
| Click Here To Download the Schedule
|
Investment Home Loan Currently only lending in South Australia
Rates Current as at 23rd February 2009* |
|
New Borrower |
Comparison Rate |
| Fixed 1 Year^^^ |
5.79%pa^ |
5.95%pa^^ |
| Fixed 2 Year^^^ |
5.79%pa^ |
5.94%pa^^ |
| Fixed 3 Year^^^ |
6.09%pa^ |
6.02%pa^^ |
| Fixed 4 Year^^^ |
6.59%pa^ |
6.22%pa^^ |
| Fixed 5 Year^^^ |
6.69%pa^ |
6.31%pa^^ |
| Variable Rate* |
5.89%pa^ |
5.96%pa^^ |
|
^Loans are available for investment purposes.
Terms and conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply.
*Existing Variable Loans Effective 1st March 2009. |
^^Comparison Rate calculated on a loan amount of $150,000 over a term of 25 years based on monthly repayments. These rates are applicable for secured loans only.
|
^^^Loans revert to standard variable rate.
WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
A Comparison Rate schedule is available at Lifeplan’s Head Office.
Comparison Rates calculated for a wider range of loan amounts and loan terms are available on the Lifeplan Investment Home Loan Comparison Rate Schedule.
|
| Click Here To Download the Schedule
|
Personal Loan Currently only lending in South Australia
Term Combo Personal Loans
Rates current as at 20th October 2008 |
|
Rate |
Comparison Rate |
| Fixed for 1 Year^^^ |
10.24%pa^ |
12.11%pa^^ |
| Fixed for 2 Years^^^ |
10.24%pa^ |
11.34%pa^^ |
| Fixed for 3 Years^^^ |
10.24%pa^ |
10.82%pa^^ |
| Fixed for 4 Years^^^ |
10.24%pa^ |
10.52%pa^^ |
| Fixed for 5 Years^^^ |
10.24%pa^ |
10.41%pa^^ |
| Variable Rate |
13.00%pa^ |
13.18%pa^^ |
|
^Terms and conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply. Existing variable loans effective 1st November 2008. |
^^Comparison Rate calculated on a loan amount of $25,000 over a term of 5 years based on monthly repayments. These rates are applicable for unsecured loans only.
|
^^^Loans revert to variable rate after fixed term expires.
WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
A Comparison Rate schedule is available at Lifeplan’s Head Office.
Comparison Rates calculated for a wider range of loan amounts and loan terms are available on the Lifeplan Term Combo Personal Loans Comparison Rate Schedule.
|
| Click Here To Download the Schedule
|
Personal Loans
Rates current as at 24th November 2008* |
|
Rate |
Comparison Rate |
| Secured - Variable rate |
12.75%pa^ |
12.93%pa^^ |
| Secured - Bonds & Deposits |
9.25%pa^ |
9.42%pa^^ |
|
^Terms and Conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply. Existing variable loans effective 1st December 2008. |
^^Comparison Rate calculated on a loan amount of $25,000 over a term of 5 years based on monthly repayments. These rates are applicable for secured loans only.
WARNING: This Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
A Comparison Rate schedule is available at Lifeplan’s Head Office.
Comparison Rates calculated for a wider range of loan amounts and loan terms are available on the Lifeplan Personal Loans Comparison Rate Schedule.
|
| Click Here To Download the Schedule
|
Line of Credit Facility Currently only lending in South Australia
Rates current as at 23rd February 2009* |
|
Rate |
| Unsecured (Under $20,000) |
12.75%pa^ |
| Secured (Over $20,000) |
5.89%pa^ |
|
^Terms and conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply.
*Effective date for existing Line of Credit Accounts is 1st March 2009 |
Commercial Loan
Rates Current as at 22nd December 2008* |
|
Rate |
| Fixed 1 - 3 Years |
Rates on Application^ |
| Variable Rate |
8.10%pa^ |
|
^Terms and conditions available on application. All applications subject to normal lending criteria. Fees and charges may apply.
*Effective date for existing variable loans is 1st January 2009 |
