Investment Options

as at 1 February 2017

more info from AvSuper iconThe information on this web page forms part of the AvSuper Product Disclosure Statement (dated 1 February 2017) and AvSuper Corporate Product Disclosure Statement (dated 1 February 2017). Please refer to your PDS and our AvSuper Member insurance guide and/or member investment guide for more information.

Click on the name of each option to get more detailed information about it, including inception dates.

 

Growth*

Conservative Growth

Stable Growth

Balanced Growth

High Growth

Australian Shares

International Shares

Cash
Primary Objective over a rolling ten-year period

To achieve a return, after tax and fees,which exceeds Consumer Price Index (CPI) increases by at least 3.5% pa

To achieve a return, after tax and fees, which exceeds Consumer Price Index (CPI) increases by at least 1.0% pa

To achieve a return, after tax and fees, which exceeds Consumer Price Index (CPI) increases by at least 2.0% pa

To achieve a return, after tax and fees, which exceeds Consumer Price Index (CPI) increases by at least 3.0% pa

To achieve a return, after tax and fees, which exceeds Consumer Price Index (CPI) increases by at least 4.5% pa

To achieve a return, after tax and fees, which exceeds the S&P / ASX 300 Accumulation Index

To achieve a return, after tax and fees, which exceeds the Morgan Stanley Capital International All Country World Index (ex Australia) 50% hedged and 50% unhedged in $A

To achieve a return, after tax and fees, which exceeds the UBSA Bank Bill Index .

This option may suit members who… accept it involves a medium risk level to achieve moderately higher returns over the medium and longer term are approaching retirement or who are generally risk averse, but want to maintain some growth potential want to maintain some exposure to growth assets, balanced by a similar exposure to defensive assets want balanced exposure to growth assets with a slightly lower weighting to defensive assets. accept it involves a higher level of risk to achieve greater returns in the long term want to invest in sharemarkets and accept the higher risk for greater long term returns want to invest in sharemarkets and accept the higher risk for greater long term returns have a short investment horizon. It provides higher capital security but usually much lower returns than the other options over most periods
Investment time frame 5+ years 2 to 4 years 3 to 5 years 4 to 6 years 7+ years

7+ years

7+ years

0 to 3 years
Risk / Return
Profile
Returns can be somewhat volatile over the short to medium term but are generally less volatile than the High Growth option

Generally less volatility in the short term but usually modest returns over longer periods

There may be some volatility in returns in the short term but it tends to be stable over longer periods

There may be some volatility in returns in the medium term but less than for the Growth option

Returns can be very volatile in the short to medium term but historically, these investments have offered the highest long term returns

Returns can be very volatile over the short to medium term but historically, these investments have offered the highest long term returns

Returns can be very volatile over the short to medium term but historically, these investments have offered the highest long term returns

Relatively low investment returns, but no risk of negative returns. It is rarely suitable for ensuring your super will grow (including in retirement) but may be suitable for preserving your capital
Standard Risk Measure
(Read about the Standard Risk Measure and how we determine the appropriate risk labels and bands) as at 30 June 2017
Risk band 5 2 3 4 6 6 6 1
Risk label Medium to high Low Low to medium Medium High High High Very low
Expected frequency of negative returns in 20 years 3 to less than 4 0.5 to less than 1 1 to less than 2 2 to less than 3 4 to less than 6 4 to less than 6 4 to less than 6 Less than 0.5
Strategic Asset Allocation (SAA) as at 1 February 2017
Australian Shares 30% 10% 15% 22% 45% 100% 0% 0%
International Shares 30% 10% 15% 21% 45% 0% 100% 0%
Real Assets 18% 10% 17% 18% 5% 0% 0% 0%
Private Markets 5% 0% 5% 5% 5% 0% 0% 0%

Alternatives

5% 10% 8% 8% 0% 0% 0% 0%
Diversified Fixed Income 10% 30% 20% 14% 0% 0% 0% 0%
Cash 2% 30% 20% 12% 0% 0% 0% 100%

Please note that past performance is not always indicative of future performance.

*The Growth option is AvSuper’s MySuper investment option for accumulation members.

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