super investment options

Investment objective

Long term (10 years) CPI + 3.0%

Type of investor this option may suit

Ambitious

Description

This is our default investment option where a majority of our members have their super invested. Invests in a wide range of mainly shares, private equity, property and infrastructure, with some private equity, alternatives, debt and cash investments. With a higher exposure to growth assets, this option may experience high volatility.

Probable number of negative annual returns over 20 years

4 to less than 6

Suggested minimum investment timeframe

5 to 7 years

*Previously named Core Pool. Commenced 1 August 1987.

Investment objective

Long term (10 years) CPI + 1.5%

Type of investor this option may suit

Cautious

Description

Invests in a range of mainly debt and cash, with some exposure to shares, alternatives, property and infrastructure. With less exposure to growth assets, this option may experience low volatility. 

Probable number of negative annual returns over 20 years

2 to less than 3

Suggested minimum investment timeframe

1 to 3 years

*Previously named Conservative Pool. Commenced 1 July 1995.

Investment objective

Long term (10 years) CPI + 2.0%

Type of investor this option may suit

Ambitious

Description

Invests in a mix of low-cost asset class strategies that aim to closely match index returns. With a high exposure to growth assets, this option may experience high volatility.

Probable number of negative annual returns over 20 years

4 to less than 6

Suggested minimum investment timeframe

5 to 7 years

* Commenced 1 October 2020.

Investment objective

Long term (10 years) CPI + 3.0%

Type of investor this option may suit

Ambitious

Description

Invests in shares, debt and private equity of companies with environmental, social and governance standards, along with some exposure to environmental property investments and cash. With a higher exposure to growth assets, this option may experience high volatility.

Probable number of negative annual returns over 20 years

4 to less than 6

Suggested minimum investment timeframe

5 to 7 years

* Previously named Eco Pool. Commenced 1 February 2000.

Investment objective

Long term (10 years) CPI + 4%

Type of investor this option may suit

Very ambitious

Description

Invests in a wide range of primarily Australian, international shares and private equity, along with some exposure to alternatives, property, infrastructure, debt and cash. With the highest allocation to growth assets across our Ready-made options, this option may experience very high volatility. 

Probable number of negative annual returns over 20 years

4 to less than 6

Suggested minimum investment timeframe

7 to 10 years

* Previously named Shares Plus. Commenced 1 July 1995.

Investment objective

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

Type of investor this option may suit

Very cautious

Or, an investor seeking to create their own portfolio, who would like to include cash, cash products and term deposits, or seeking exposure to this asset class.

Description

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. Performance history before 1 October 2020 based on Cash. Commenced 1 July 2001.

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

Investment objective

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

• 50% Bloomberg AusBond Composite 0+ Year Index

• 50% Bloomberg Barclays Global Aggregate ex Australia Index Hedged to $A.

Type of investor this option may suit

An investor seeking to create their own portfolio, who would like to include debt and other fixed interest investments, or seeking exposure to this asset class.

Description

Invests in Australian and international government bonds and other debt. This option is expected to earn a higher return than cash and may experience low volatility.

Probable number of negative annual returns over 20 years

4 to less than 6

Suggested minimum investment timeframe

1 to 3 years

* Previously named Global bonds. Commenced 1 July 2001.

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

Investment objective

Over the long term, to earn an after-tax return after investment fees and indirect costs, equivalent to or higher than CPI + 3.0%.

Type of investor this option may suit

An investor seeking to create their own portfolio, who would like to include property and infrastructure or seeking exposure to this asset class.

Description

Invests in Australian and global property and infrastructure, along with some cash. This option is expected to earn a higher return than cash and global debt and may experience moderate volatility. 

Probable number of negative annual returns over 20 years

3 to less than 4

Suggested minimum investment timeframe

3 to 5 years

* Previously named Property; changed to include Infrastructure on 1 October 2020. Performance history before 1 October 2020 based on Property. Commenced 1 July 2001

Investment objective

Over the long term, to earn an after-tax return, after investment fees and indirect costs, equivalent to or higher than the return (net of tax^##) 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

An investor seeking to create their own portfolio, who would like to include international shares or seeking exposure to this asset class.

Description

Invests in a range of companies listed on stock exchanges around the world. With a full allocation to shares, this option may experience very high volatility. 

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 an after-tax return, after investment fees and indirect costs, equivalent to or higher than the return (net of tax^##) of the S&P/ASX 300 Accumulation Index.

Type of investor this option may suit

An investor seeking to create their own portfolio, who would like to include Australian shares or seeking exposure to this asset class.

Description

Invests in a range of companies listed on the Australian stock exchange, as well as a few that aren't. With a full allocation to shares, this option may experience very high volatility.

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.