Home / Financial Services / Funds Management / Investment strategies

Investment strategies

Our investment structure enables customer funds to be invested in any of our five Standard Investment Strategies. Investments may be made in one strategy, or across two or more. Each strategy provides a different balance between growth and defensive assets. This means the strategy can reflect individual needs and circumstances.

Each of the five Standard Investment Strategies has diversified investments within our seven Common Funds, which are Cash, Short Term Fixed Interest, Long Term Fixed Interest, International Fixed Interest, Australian Shares, International Shares, and Property.

See below for our currently available strategies.

Cash is a very low risk strategy which is designed to achieve a return comparable to the 90 day bank bill interest rate, but has the added advantage of having funds available the next business day, for amounts of up to $1,000,000*.

Investments are diversified between short term money market securities and fixed interest instruments (such as bonds).

(* subject to terms and conditions – see Withdrawals)

Capital Stable is a low risk diversified strategy designed to achieve an attractive level of income as well as some capital growth over the medium to long term.

The mix with this strategy over time is 28% growth assets to 72% defensive assets, and although the portfolio is well diversified and soundly managed, returns will be subject to market variations and there is a risk that the value of the portfolio may decrease. This strategy is designed for customers whose circumstances require investment for a time period of more than two years.

 

A Balanced investment strategy is a medium risk strategy designed to achieve a combination of reasonable income and sound capital growth over the medium to long term.

The mix with this strategy over time is 45% defensive assets and 55% growth assets, and although the portfolio is well diversified and soundly managed, returns will be subject to market variations and there is a risk that the value of the portfolio may decrease. This strategy is designed for customers whose circumstances require investment for a time period of more than three years.

 

A Growth investment strategy is a medium to high risk strategy designed to achieve capital growth together with a small level of income over the medium to long term.

The mix with this strategy over time is 73% growth assets to 27% defensive assets, and although the portfolio is well diversified and soundly managed, returns will be subject to market variations and there is a risk that the value of the portfolio may decrease. This strategy is designed for customers whose circumstances require investment for a time period of more than five years.

 

An Equities investment strategy is a relatively high risk strategy which aims to achieve an attractive level of capital growth over the long term together with a small level of income. Investments are diversified between Australian and overseas shares. A small proportion of the assets put forth for investment may be invested in a Cash Fund.

The shares are approximately 55% Australian to 45% international over time, and although the portfolio is well diversified and soundly managed, returns will be subject to market variations and there is a risk that the value of the portfolio may fall. This strategy is designed for customers whose circumstances require investment over a period of more than ten years.