Investment options

Defensive – Conservative – Balanced (accumulation)
Growth – Advocacy – International Shares – Smaller Companies

Defensive

Investment Objective

To provide members with low levels of investment risk with a focus on preservation of capital via a portfolio of low risk income generating investments.

RECOMMENDED MINIMUM INVESTMENT TIMEFRAME

1 year

Risk Level  – Very Low

Strategic asset allocation*

Defensive
Asset class Range %
Cash** 90 – 100
Fixed Interest 0 – 10

*  The asset allocation shown is a strategic asset allocation and the actual allocation may vary within the range due to market movements, investments into or withdrawals from the Fund or changes in the nature of an investment, cause the Fund to move outside these indicative ranges, this will be addressed by us as soon as reasonably practicable.

** Cash investments include short-dated fixed interest investments (duration less than 1 year) and floating rate securities.

Conservative

Investment Objective

To provide members with low to medium levels of investment risk and returns only moderately above inflation over a medium time horizon.

Recommended minimum investment timeframe

3 years

Risk Level – Low to medium

Strategic asset allocation*

Conservative
Asset class Range %
Cash** 0 – 30
Interest-bearing investments 20 – 80
Property 0 – 15
Australian and New Zealand Shares^ 0 – 20
International Shares 0 – 20
Alternatives 0 – 15

*  The asset allocation shown is a strategic asset allocation and the actual allocation may vary within the range due to market movements, investments into or withdrawals from the Fund or changes in the nature of an investment, cause the Fund to move outside these indicative ranges, this will be addressed by us as soon as reasonably practicable.

** Cash investments include short-dated fixed interest investments (duration less than 1-year) and floating rate securities.

^ No more than 20% of the Super Fund’s exposure to Australian and New Zealand shares will come from securities listed on the New Zealand stock exchange.

Balanced (accumulation)

Investment Objective

To provide a diversified portfolio that has an appropriate balance between income and capital growth investments with medium to high levels of risk. It aims to achieve returns of 3.5% p.a. above inflation over the medium to longer terms.

Recommended Minimum Investment Timeframe

5 years

Risk Level – Medium to high

Strategic asset allocation*

Balanced+
Asset class Range %
Cash** 0 – 20
Interest-bearing investments 0 – 30
Property 0 – 20
Australian and New Zealand Shares^ 10 – 50
International Shares 5 – 40
Alternatives 0 – 20

*  The asset allocation shown is a strategic asset allocation and the actual allocation may vary within the range due to market movements, investments into or withdrawals from the Fund or changes in the nature of an investment, cause the Fund to move outside these indicative ranges, this will be addressed by us as soon as reasonably practicable.

** Cash investments include short-dated fixed interest investments (duration less than 1-year) and floating rate securities.

^ No more than 20% of the Super Fund’s exposure to Australian and New Zealand shares will come from securities listed on the New Zealand stock exchange.

+ The Balanced (accumulation) option is an authorised MySuper product.

Growth

INVESTMENT OBJECTIVE

To provide long term growth accompanied by medium to high levels of risk through holding mostly growth assets.

Recommended Minimum Investment Timeframe

6 years

Risk Level – Medium to high

Strategic asset allocation*

Growth
Asset class Range %
Cash** 0 – 20
Interest-bearing investments 0 – 25
Property 0 – 20
Australian and New Zealand Shares^ 15 – 55
International Shares 10 – 50
Alternatives 0 – 20

*  The asset allocation shown is a strategic asset allocation and the actual allocation may vary within the range due to market movements, investments into or withdrawals from the Fund or changes in the nature of an investment, cause the Fund to move outside these indicative ranges, this will be addressed by us as soon as reasonably practicable.

** Cash investments include short-dated fixed interest investments (duration less than 1-year) and floating rate securities.

^ No more than 20% of the Super Fund’s exposure to Australian and New Zealand shares will come from securities listed on the New Zealand stock exchange.

Advocacy

Investment Objective

To provide long-term growth accompanied by high levels of risk through investment in listed companies on Australian and international stock exchanges.

Recommended Minimum Investment Timeframe

7 Years

Risk Level – High

Strategic asset allocation*

Advocacy
Asset class Range %
Cash** 0 – 15
Australian and New Zealand Shares^ 55 – 85
International Shares 10 – 40

*  The asset allocation shown is a strategic asset allocation and the actual allocation may vary within the range due to market movements, investments into or withdrawals from the Fund or changes in the nature of an investment, cause the Fund to move outside these indicative ranges, this will be addressed by us as soon as reasonably practicable.

** Cash investments include short-dated fixed interest investments (duration less than 1-year) and floating rate securities.

^ No more than 20% of the Super Fund’s exposure to Australian and New Zealand shares will come from securities listed on the New Zealand stock exchange.

International Shares

Investment Objective

 

To provide long-term growth accompanied by high levels of risk through investment in overseas companies.

Recommended Minimum Investment Timeframe

7 Years

Risk Level – High

Strategic asset allocation*

International shares
Asset class Range %
Cash** 0 – 15
International Shares 85 – 100

 

*  The asset allocation shown is a strategic asset allocation and the actual allocation may vary within the range due to market movements, investments into or withdrawals from the Fund or changes in the nature of an investment, cause the Fund to move outside these indicative ranges, this will be addressed by us as soon as reasonably practicable.

** Cash investments include short-dated fixed interest investments (duration less than 1-year) and floating rate securities.

Smaller Companies

Investment Objective

To provide long-term growth accompanied by high levels of risk through investment in Australian and New Zealand companies with a bias to smaller companies.

 

Recommended Minimum Investment Timeframe

7 years

Risk Level – High

Strategic asset allocation*

Smaller Companies
Asset class Range %
Cash** 0 – 20
Australian and New Zealand Smaller Companies^ 80 – 100

*  The asset allocation shown is a strategic asset allocation and the actual allocation may vary within the range due to market movements, investments into or withdrawals from the Fund or changes in the nature of an investment, cause the Fund to move outside these indicative ranges, this will be addressed by us as soon as reasonably practicable.

** Cash investments include short-dated fixed interest investments (duration less than 1-year) and floating rate securities.

^ No more than 20% of the Super Fund’s exposure to Australian and New Zealand shares will come from securities listed on the New Zealand stock exchange.


Performance and Portfolio information

We may make changes to the investment option from time-to-time, including changes to the types of assets held. We will notify members of significant changes. You can also keep up-to-date with the option’s unit price, performance and portfolio holdings through our website. The information provided is current as of 30 June 2016.

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