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Investment strategies

Our investment structure enables customers to invest in any of our five Standard Investment Strategies. You may choose to invest in one strategy, or you may invest across two or more. Each strategy provides a different balance between growth and defensive assets. This means you can choose the strategy which best meets your 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.

We understand that personal circumstances can change over time, and this is why we will not lock you into a particular investment strategy. You can switch to one of our other strategies at any time, which will be free of charge except if you move from a Cash Investment Strategy to one of our other four strategies.

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 – request our Funds Management Service brochure)

CashInvestmentStrategy

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 26.5% growth assets to 73.5% defensive assets, and although the portfolio is well diversified and soundly managed, returns will be subject to market variations and there is a small risk that the value of the portfolio may decrease. Accordingly, this strategy is designed for investors who wish to invest, without selling or liquidating their investment, for a time period of more than two years.

Capiatl Stable Feb 2016

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 47.5% defensive assets and 52.5% growth assets, and although the portfolio is well diversified and soundly managed, returns will be subject to market variations and there is a small risk that the value of the portfolio may decrease. Accordingly, this strategy is designed for investors who wish to invest, without selling or liquidating their investment, for a time period of more than three years.

Balanced Feb 2016

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 71.5% growth assets to 28.5% defensive assets, and although the portfolio is well diversified and soundly managed, returns will be subject to market variations and there is a small risk that the value of the portfolio may decrease. Accordingly, this strategy is designed for investors who wish to invest, without selling or liquidating their investment, for a time period of more than five years.

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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 small risk that the value of the portfolio may fall. Accordingly, this strategy is designed for investors who wish to invest, without selling or liquidating their investment, for a time period of more than ten years.

EquituesInvestmentStrategy