Tax & super
Chant West Super 2018 Pension 2018

My Super News

Revive Your Super

16-Sep-2019

For many, the only way their retirement savings will grow is through employer contributions. But there are plenty more options. Adding extra money to your super is a healthy financial habit that may give your super a boost over the long term. Below, we break down the different options and show you how to revive your super balance to fund a stress-free retirement. Read More

The rules have changed

16-Sep-2019

There are two types of people. The ones who regularly check in on their super to keep everything in tip top shape. Then there’s the rest of us. But if there’s one time when you should be extra vigilant, it’s right now. This is because recent super reforms have the potential to impact your retirement savings. Read More

Conservative

Description

In the Conservative Option, 32% of your super is invested in growth assets such as shares and property and approximately 68% in defensive assets such as bonds and cash.

Generally an investor in this type of option is likely to be looking for fairly stable investment returns over the medium to long term. They know long term investment returns are likely to be lower than the higher risk options of All Growth and Balanced, but they also know there is less chance of reducing the value of their benefit in the short term.

Objective

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

  • Expecting to earn a positive rate of return over most 12 month periods; and
  • Maintaining sufficient liquidity to enable the Fund to meet its commitments.

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

  • Over rolling three year periods, a rate of return after tax and fees, in excess of CPI + 1.5%.

Investment timeframe

The minimum suggested timeframe for holding the investment is 3 years.

Level of Investment Risk

Risk Band: 4

Risk Label: Medium

Estimated number of negative annual returns over any 20 year period: 2 to less than 3

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

The Conservative option aims to hold 32% in shares and 68% in income assets such as bonds and cash. 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 12 - 16
Equity - International 16 - 20
Total Growth Assets 30 - 34
Fixed Income - Australia 21 - 25
Fixed Income - International 16 - 20
Cash - Australia 25 - 29
Total Income Assets 66 - 70

Chant West Super 2018 Pension 2018

My Super News

Revive Your Super

16-Sep-2019

For many, the only way their retirement savings will grow is through employer contributions. But there are plenty more options. Adding extra money to your super is a healthy financial habit that may give your super a boost over the long term. Below, we break down the different options and show you how to revive your super balance to fund a stress-free retirement. Read More

The rules have changed

16-Sep-2019

There are two types of people. The ones who regularly check in on their super to keep everything in tip top shape. Then there’s the rest of us. But if there’s one time when you should be extra vigilant, it’s right now. This is because recent super reforms have the potential to impact your retirement savings. Read More

image description

Download our VISSF App!

Connect to your super whenever you want, wherever you are.

  • Download on the App Store
  • Get it on Google Play

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.


Find out more here.
Members Login »