Income Stream investment options

Investment objectives

Type of investor this option may suit

Ambitious

Description

Invests in a wide range of mainly shares, private equity, property and infrastructure, with some debt and cash investments. This option aims to achieve medium to long-term growth with some possible ups and downs in the short term

Probable number of negative annual returns over 20 years

3 to less than 4

Suggested minimum investment timeframe

5 to 7 years

* Previously named Balanced..

Investment objective

Type of investor this option may suit

Cautious

Description

Invests in a range of mainly debt and cash, with some exposure to shares, property and infrastructure. This option aims to achieve medium-term growth with some possible ups and downs, but is expected to be more stable than Balanced Growth in the short term.

Probable number of negative annual returns over 20 years

1 to less than 2

Suggested minimum investment timeframe

1 to 3 years

Investment objective

Type of investor this option may suit

Ambitious

Description

Invests in a mix of low-cost asset class strategies that aims to closely match index returns. This option aims to achieve medium to long-term growth with some possible ups and downs in the short term.

Probable number of negative annual returns over 20 years

4 to less than 6

Suggested minimum investment timeframe

7 to 10 years

* Commenced 1 October 2020.

Investment objective

Type of investor this option may suit

Very ambitious

Strategy

Invests in shares, debt and private equity of companies with above average environmental, social and governance performance, along with some exposure to environmental property investments. This option aims to achieve medium to long-term growth with some possible ups and downs in the short term.

Probable number of negative annual returns over 20 years

4 to less than 6

Suggested minimum investment timeframe

7 to 10 years

* Previously named Eco. 

Investment objective

Type of investor this option may suit

Very ambitious

Description

Invests in a wide range of primarily Australian and international shares, and private equity, along with some exposure to property, infrastructure, debt and cash. This option aims to achieve strong long-term growth with some possible ups and downs that may be greater than Balanced Growth in the short term.

Probable number of negative annual returns over 20 years

4 to less than 6

Suggested minimum investment timeframe

7 to 10 years

Investment objective

Over the long term, to earn a return (after-tax for TTR), after investment fees and indirect costs, equivalent to or higher than the return (net of tax## for TTR) of the Bloomberg Ausbond Bank Bill Index.

Type of investor this option may suit

Very Cautious. Or an investor seeking to create their own diversified portfolio, who would like to include cash, cash products and term deposits

Strategy

Invests in a range of at-call bank deposits and short-dated term deposits, and may have a small allocation to other cash investments. It is expected to deliver a return above the official RBA cash rate over the long term. 

Probable number of negative annual returns over 20 years

Less than 0.5

Suggested minimum investment timeframe

Less than 1 year

* Previously named Cash, changed to include Term Deposits on 1 October 2020.

^## Estimated tax rate provided by independent investment consultant.

Investment objective

Over the long term, to earn a return (after-tax for TTR), after investment fees and indirect costs, equivalent to or higher than the return (net of tax## for TTR) of the combination of:

• 50% Bloomberg AusBond Composite 0+ Year Index
• 50% Barclays Capital Global Aggregate ex Australia Index Hedged to $A.

Type of investor this option may suit

An investor seeking to create their own diversified portfolio, who would like to include debt and other fixed interest investments.

Description

Invests in Australian and international government bonds and other debt. This option aims for returns that typically outperform cash, but is more stable than shares in the short to medium term.

Probable number of negative annual returns over 20 years

1 to less than 2

Suggested minimum investment timeframe

1 to 3 years

* Previously named Global Bonds.

^## Estimated tax rate provided by independent investment consultant.

Investment objective
 

Type of investor this option may suit

An investor seeking to create their own diversified portfolio, who would like to include property and infrastructure.

Description

Invests in Australian and global property and infrastructure, along with some cash. This option aims to achieve medium to long term growth with some possible ups and downs, but is expected to be more stable than shares in the short term

Probable number of negative annual returns over 20 years

2 to less than 3

Suggested minimum investment timeframe

5 to 7 years

* Previously named Property, changed to include Infrastructure on 1 October 2020.

Investment objective

Over the long term, to earn a return (after-tax for TTR), after investment fees and indirect costs, equivalent to or higher than the return (net of tax## for TTR) of the S&P/ASX 300 Accumulation Index. 

Type of investor this option may suit

This option may suit an investor seeking to create their own diversified portfolio, who would like to include Australian shares.

Description

Invests in a range of companies listed on the Australian stock exchange, as well as a few that aren't. This option aims to achieve strong growth over the long-term, with possible short-term ups and downs.

Probable number of negative annual returns over 20 years

6 or greater

Suggested minimum investment timeframe

7 to 10 years

^## Estimated tax rate provided by independent investment consultant.

Investment objective

Over the long term, to earn a return (after-tax for TTR), after investment fees and indirect costs, equivalent to or higher than the return (net of tax## for TTR) of the combination of:

• 77.5% MSCI World ex Australia Index in $A Net Dividends Reinvested
• 22.5% MSCI Emerging Markets Index in $A Net Dividends Reinvested
•  50/50 $A Hedged/Unhedged. 

Type of investor this option may suit

This option may suit an investor seeking to create their own diversified portfolio, who would like to include international shares.

Description

Invests in a range of companies listed on stock exchanges around the world. This option aims to achieve strong growth over the long-term, with possible short-term ups and downs.

Probable number of negative annual returns over 20 years

4 to less than 6

Suggested minimum investment timeframe

7 to 10 years

^## Estimated tax rate provided by independent investment consultant.