Account Based Pensions
Pension Strategies

My Super News

How to Retire Ready video series

18-Nov-2017

If retirement is on your radar, then this video series is worth a watch. We are happy to announce our highly-popular How to Retire Ready seminar, presented by Martin Kennedy in Melbourne, is now available to view online. Read More

Global markets deliver strong returns for pensions

08-Sep-2017

Pension members will be pleased to learn that investment returns for VISSF have been very strong over 2017, with the diversified options benefiting from their exposure to Australian and global shares. Read More

Balanced

Description

In the Balanced Option, 75% of your super is invested in growth assets such as shares and property and approximately 25% in defensive assets such as bonds and cash.

Generally an investor in this type of option is likely to be looking for high investment returns over the medium to long term. They still have the time to ride out investment fluctuations.

Objective

To achieve, on a rolling five and 10 year basis, a rate of return in excess of the median of our relevant peers, as measured by the relevant Growth Universe and to maximise the after tax rate of return above inflation, as measured by CPI, over rolling five and 10 year periods, subject to the following constraints:

  • Recognising a greater risk of experiencing a negative return in any one year than the Conservative option; and
  • Maintaining sufficient liquidity to enable the Fund to meet its commitments.

Based on past performance of investment markets, in the long term, the Balanced option aims to achieve:

  • Over rolling five year periods, a rate of return after tax and fees, in excess of CPI + 3.0%.

Investment timeframe

The minimum suggested timeframe for holding the investment is 5 years.

Level of Investment Risk

Risk Band: 6

Risk Label: High

Estimated number of negative annual returns over any 20 year period: 4 to less than 5

Important Note: There is no guarantee this option will meet its objective or that the value of your account will not decrease as a result of negative returns.

Want to find out how the fund performed over the past 12 months? View Investment Returns »


Where money is invested

In the Balanced option, 75% of your superannuation is invested in shares and property and 25% in income assets such as bonds. The intended mix of investments are shown below. From time to time, the Trustee may adjust the mix within the ranges shown as investment conditions change.



Asset mix range

Asset Mix Range

Range %

Equity - Australia 28 - 34
Equity - International 33 - 39
Property - International 2 - 8
Infrustructure - International 1 - 5
Total Growth Assets 72 - 78
Fixed Income - Australia 6 - 12
Fixed Income - International 4 - 10
Cash - Australia 6 - 12
Total Income Assets 22 - 28

My Super News

How to Retire Ready video series

18-Nov-2017

If retirement is on your radar, then this video series is worth a watch. We are happy to announce our highly-popular How to Retire Ready seminar, presented by Martin Kennedy in Melbourne, is now available to view online. Read More

Global markets deliver strong returns for pensions

08-Sep-2017

Pension members will be pleased to learn that investment returns for VISSF have been very strong over 2017, with the diversified options benefiting from their exposure to Australian and global shares. Read More

Please note:

We encourage all VISSF members to register for the new Member Online service (it takes less than a minute) and explore the broader range of features and benefits.


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