ࡱ>   !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}Root Entry F5Ȫ@\ΪWorkbookƙ_VBA_PROJECT_CUR" P Ϊ@\ΪVBA Ϊ`iNΪ \pMerlea Investments Ba=  ThisWorkbook=K#8X@"16Arial16Arial16Arial16Arial16Arial16Arial16Arial16Arial1 6Arial16Arial1 6Arial1$6Arial16Arial16Arial16Arial16Tahoma"$"#,##0;\-"$"#,##0"$"#,##0;[Red]\-"$"#,##0"$"#,##0.00;\-"$"#,##0.00#"$"#,##0.00;[Red]\-"$"#,##0.005*0_-"$"* #,##0_-;\-"$"* #,##0_-;_-"$"* "-"_-;_-@_-,)'_-* #,##0_-;\-* #,##0_-;_-* "-"_-;_-@_-=,8_-"$"* #,##0.00_-;\-"$"* #,##0.00_-;_-"$"* "-"??_-;_-@_-4+/_-* #,##0.00_-;\-* #,##0.00_-;_-* "-"??_-;_-@_-"$"#,##0_);\("$"#,##0\)!"$"#,##0_);[Red]\("$"#,##0\)""$"#,##0.00_);\("$"#,##0.00\)'""$"#,##0.00_);[Red]\("$"#,##0.00\)72_("$"* #,##0_);_("$"* \(#,##0\);_("$"* "-"_);_(@_).)_(* #,##0_);_(* \(#,##0\);_(* "-"_);_(@_)?:_("$"* #,##0.00_);_("$"* \(#,##0.00\);_("$"* "-"??_);_(@_)61_(* #,##0.00_);_(* \(#,##0.00\);_(* "-"??_);_(@_) 0.0000% 0.000% 0.0% 0.00000% 0.000000% 0.0000000%2-_-* #,##0.0_-;\-* #,##0.0_-;_-* "-"??_-;_-@_-61_-* #,##0.000_-;\-* #,##0.000_-;_-* "-"??_-;_-@_-83_-* #,##0.0000_-;\-* #,##0.0000_-;_-* "-"??_-;_-@_-72_-* #,##0.000_-;\-* #,##0.000_-;_-* "-"???_-;_-@_-"Yes";"Yes";"No""True";"True";"False""On";"On";"Off" 0_ ;\-0\ ],[$ -2]\ #,##0.00_);[Red]\([$ -2]\ #,##0.00\) 0.00000000 0.0000000 0.000000 0.00000 0.0000 0.000.)_-* #,##0_-;\-* #,##0_-;_-* "-"??_-;_-@_-![$-C09]dddd\,\ d\ mmmm\ yyyy;6_-"$"* #,##0.0_-;\-"$"* #,##0.0_-;_-"$"* "-"??_-;_-@_-72_-"$"* #,##0_-;\-"$"* #,##0_-;_-"$"* "-"??_-;_-@_-?:_-"$"* #,##0.000_-;\-"$"* #,##0.000_-;_-"$"* "-"??_-;_-@_- #\ ?/10 #\ ???/??? #\ ??/16 "$"#,##0                + ) , *      ! "    @   @  @  $  $  @     ! # #8 #8         D    (@@ !8@ !0@  d*  d 5  d5  d * a $ a $  @ @  @ #8@  $@  @  "8@ @  "8@   (@   ,@  a ,@ # #   l +  d@ "8@ "8 @  $  $ " "8@ "8 "8  @  (@   l@ -   l  `@  l  l      d a $ a $ a   a  a   a   d@ + "X  "x@ @  "x@ "t@  "|@  a"|@ "p@ "P   h@   H   h@   H   l@ .   l #     a   H+  @+  H*  @*  d #\*   !  ! $ ! $   $@   4   4  a $  a $  a ,@  a"|@  a  #\ !#\*  l* "8@@ "8@ "8 @ "  `d# Explanation+Summary]O 26 Year Chart?o Index Returns?Returns for ModelsModels Calculationso Chart Data=,!  ;I_  ;*"ZR3 A@@  G "Asset Allocation ModelsCashAust FI Aust Shares Global FI Global SharesLPTsLow RiskMod Risk High RiskHighestLowestStd DevPassive Active Index ReturnsRiskFee Assumptions Calendar YearCompound Growth Model ReturnsPassive = 1.5%pa (All Times)+Active = 2.0%pa (Low, Moderate, High Risk)Prob. of Neg returnTotalChoiceAdviser Choice = 2.0%paPerformance SummaryModelsLowModerateHigh CapitalSafeYour Your ChoiceTotalsResultsPerfectTiming Capital SafeCap SafeINTRODUCTION & EXPLANATIONUapproach to asset allocation over the longer term  ie higher return with lower risk.Performance CalculatorRec.ModelReturnMerleaRecs Start YearEnd Year Time PeriodYearsPassive = 1.5%pa (Cap Safe)Your Choice = 2.0%pa]"Merlea Recs" represents the return based on Merlea recommended models for each calendar year0Performance Assessment - Asset Allocation Models Global FI<1Selected Time Period Results CalculationszThis spreadsheet enables you to enter various asset allocation models in the "Your Choice" cells to calculate the results.UThe  Perfect Timing column shows which would be the result if we selected the best MThe  Merlea Recs column shows the result if the recommended model is used Min each calendar year. It shows the value of an active approach vs a passive (allocation model in each calendar year. \<=2002>=2000>=1993>=1984<=1984>=1985>=1986>=1987>=1988>=1989>=1990>=1991>=1992>=1994>=1995>=1996>=1997>=1998>=1999>=2001>=2002>=2003<=1985<=1986<=1987<=1988<=1989<=1990<=1991<=1992<=1993<=1994<=1995<=1996<=1997<=1998<=1999<=2000<=2001<=2003lTo calculate results for interim years, select the "Start Year" & "End Year" cells from the drop-down list. e"Perfect Timing" represents the result if the best of the 4 models was selected in each calendar year Chart DataYear Start Value>=2004<=2004 Return (%pa)Annualised Return (%pa)>=2005<=2005 Accum Value Accumulated Value>=2006<=2006>=2007<=2007>=2008<=2008KReturn calculations are available for calendar years between 1984 and 2008.Source: Asgard/Lonsec>=2009<=2009z t;|M+@"^86 ~ ! ! 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J J J J J1 K'******, s4‹?Z) 4 ?Z) 4 E?Z) 4`{|?Z) J?Z)3?Z)0膃m{?Z)4444 ww-AZ( ws8AZ( wqZ$MAZ( w/DžAZ( wgAZ(w䖩SAZ(x7%AZ(***5  4 ۷?Z* 4ht?Z* 4Hx?Z* 4l?Z* 4`Fx ?Z*4ht?Z*5l?Z*  41殥Z+ 4 h"l̿Z+ 44U0*ԿZ+ 4LJڿZ+ 4:#J{/пZ+4 h"l̿Z+51殥Z+******5  4 Š?Z, 4bj?Z, 4{ ?Z, 4?Z, 45X%ۧ?Z,4QpK?Z,5q—G;?!Z,@^D^Z:}0pl !"#$%& *444**, !y!z?!Z- !z?!Z- !z?!Z- !z?!Z- !z?!Z-!z?!Z-!{?Z-" !!!!!!"#*$* %8%* &m&*x IJKLMNOPQRSTUVWXYZ[\]^_ IG IH JI JZ KJ K[ LK L\ ML M] NM N^ ON O_ PO P` QP Qa RF Rb SQ Sc TR Td US Ue VT Vf WU Wg XV Xh YE Yi ZW Zj [X [D \Y \k ]q ]r ^u ^v _y _z2P`ab `{ `| a} a~ b b (( I "PH0(  > @  7E Please select from list %I^E Please select from list %I^< Please select from list^E Please select from list %IbE Please select from list %IbggDh;h Start Balanceh3hYearsh9h  Your Choice  M\\server\Kyocera KM-C2520 KX dXXdPcK/ 4 *##*4 *##* 00000000L -L -2 dd@ ? ?XX0J,X< OffdPcKP/0dPcK'/dPcK N/Confidential 1" dXX??3` 8"` 8"Y3=dd23 M NM4 3Q:  YearQ ;QQ3_4E4 3Q: Cap SafeQ ;QQ3_4E4 3Q: Low RiskQ ;QQ3_4E4 3Q: Mod RiskQ ;QQ3_4E4 3Q:  High RiskQ ;QQ3_ 3f9 NM  3f3f99x4E4 3Q:  Your ChoiceQ ;QQ3_4E4 3Q: MerleaQ ;QQ3_4E4D$% !MP(3O&Q4$% !MP(3O&Q4FA m 3Oy 3 bPP PZaajkR R R RR RV VNM-S S43*N#M! 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