20-year returns are used for infrastructure and commodities; Cash - RBA Bank accepted Bills 90 Days; Aust. Fixed Interest -Bloomberg AusBond Composite 0+ Yr TR AUD; Intl. Fixed Interest (H) - BarCap Global Aggregate TR Hdg AUD; A-REITs - S&P/ASX 300 A-REIT TR; Global REITs (H) - FTSE EPRA/NAREIT Dv REITS TR Hdg AUD; Aust. Equity - S&P/ASX 200 TR; Small Caps - S&P/ASX Small Ordinaries TR; Intl. Equity - MSCI World Ex Australia NR AUD; Emerging Markets - MSCI EM GR AUD; Infrastructure (H) - S&P Global Infrastructure NR Hdg AUD; Commodities - Rogers International Commodity TR AUD