Growth
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3.5% per year above inflation over rolling 10-year periods after fees and taxes.
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3.5% per year above inflation over rolling 10-year periods after fees and taxes.
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High |
High |
10 or more years |
Those seeking high returns and prepared to accept likely significant fluctuations over shorter periods. |
Balanced
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3.0% per year above inflation over rolling 10-year periods after fees and taxes.
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3.0% per year above inflation over rolling 10-year periods after fees and taxes.
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High |
Medium to high |
10 or more years |
Those seeking high returns and prepared to accept likely significant fluctuations over shorter periods. |
Conservative Balanced
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2.5% per year above inflation over rolling 10-year periods after fees and taxes.
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2.5% per year above inflation over rolling 10-year periods after fees and taxes.
|
Medium to high |
Medium to high |
10 or more years |
Those seeking moderate returns and prepared to accept likely significant fluctuations over shorter periods. |
Indexed Balanced
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2.75% per year above inflation over rolling 10-year periods after fees and taxes.
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2.75% per year above inflation over rolling 10-year periods after fees and taxes.
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High |
High |
10 or more years |
Those seeking high returns and prepared to accept likely significant fluctuations over shorter periods. |
Stable
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1.5% per year above inflation over rolling 10-year periods after fees and taxes.
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1.5% per year above inflation over rolling 10-year periods after fees and taxes.
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Medium |
Low to Medium |
10 or more years |
Those seeking moderate returns and prepared to
accept likely modest fluctuations in returns over
shorter periods.
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Secure
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1% per year above inflation over rolling 10-year periods after fees and taxes.
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To outperform the weighted average return from the MSCI/Mercer Australia Core Wholesale Monthly Property Fund Index (13%) and the Bloomberg Barclays Global Aggregate Index (hedged to Australian Dollars) (87%) over rolling 10-year periods after investment fees but before taxes.
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Low |
Very Low |
10 or more years |
Those wanting to stay ahead of inflation and generally averse to fluctuations in returns over shorter periods. |
| Single Asset Class options |
| International Shares |
Aims to outperform the MSCI AII Countries World ex-Australia index (with net dividends reinvested) in Australian dollars (unhedged) over rolling 3-year periods after fees and taxes.
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To outperform the weighted average return from the MSCI All Countries World Index in $A hedged (20%) and the MSCI All Countries World Index in $A unhedged (80%) over rolling 5-year periods after investment fees but before taxes
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High |
High |
5 or more years |
Those seeking high returns from international shares only, or those wanting to build their own investment strategy when combined with other single asset class options. |
| Australian Shares |
To outperform the S&P/ASX 300 Accumulation Index over rolling 5-year periods after fees and taxes.
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To outperform the S&P/ASX 300 Accumulation Index over rolling 5-year periods after investment fees but before taxes.
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High |
High |
5 or more years |
Those seeking high returns from Australian shares only, or those wanting to build their own investment strategy when combined with other single asset class options. Prepared to accept likely significant fluctuations in returns over shorter periods. |
| Property |
To outperform the MSCI/Mercer Australia Core Wholesale Monthly Property Fund Index over rolling 5-year periods after fees and taxes |
To perform the weighted average return from the MSCI/Mercer Australia Core Wholesale Monthly Property Fund Index (50%) and the FTSE EPRA NAREIT Developed ex Aus Rental in $A hedge (50%) over rolling 5-year periods after investment fees but before taxes. |
Medium to high |
High |
5 or more years |
Those seeking high returns from Australian shares only, or those wanting to build their own investment strategy when combined with other single asset class options. Prepared to accept likely significant fluctuations in returns over shorter periods. |
| Diversified Fixed Interest |
To outperform 70% Bloomberg AusBond Composite Bond Index (All Maturities) plus 30% Bloomberg Barclays Global Aggregate Index (hedged to Australian Dollars) over rolling 3-year periods after fees and taxes. |
To outperform the weighted average return from the Bloomberg AusBond Composite Bond Index (All Maturities) (50%) and the Bloomberg Barclays Global Aggregate Index (hedged to Australian Dollars) (50%) over rolling 3-year periods after investment fees but before taxes. |
Medium |
Low to medium |
3 or more years |
Those seeking modest returns from diversified fixed interest only, or those wanting to build their own investment strategy when combined with other single asset class options. Prepared to accept likely modest fluctuations in returns over shorter periods. |
| Cash |
To outperform the Bloomberg AusBond Bank Bill Index over rolling 2-year periods after fees and taxes. |
To outperform the Bloomberg AusBond Bank Bill Index over rolling 2-year periods after investment fees but before taxes. |
Very low |
Very low |
2 or more years |
Those seeking consistent return on their money in the short term, even if that return is low and doesn’t keep pace with inflation. |
