Our superannuation investment choices from 1 May 2018

For information on our current investment options please refer to the Product Disclosure Statements and Factsheets.

We will offer 14 investment options to help our members create an investment portfolio that meets their individual needs.

Superannuation investment choices

Super contributions can be invested across a range of diverse options – each with a different asset allocation and return objective. You can select one or mix and match.

The return that you receive is strongly influenced by the investment option that you select.

Investment options include:

  • Diversified options are diversified, meaning they are invested in different asset classes like shares and property. This creates a unique mix of options. The risk level ranges from medium to very high.
  • Single asset class investment options are not diversified. The risk profiles range from low to very high.

Download the table below that summarises all investment management fees and indirect cost ratios that will apply for each investment option as from May 2018. It also lists the current fees and costs.

Diversified investment options

High Growth 

An option that is diversified across all major asset classes, with a significant percentage in high-growth assets like shares.

Risk profile: High

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Growth

An option that is diversified across all major asset classes with a bias toward Australian and International shares.

Risk profile: High

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Balanced

This is diversified across all major asset classes and is designed to produce high, long-term returns.

Risk profile: High

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LifetimeOne

Our default option, this is diversified across all major asset classes and is designed to produce high returns over the long-term. Members will be automatically moved between different asset mixes based on their age.

For members up to the age of 40, the asset mix will include a higher exposure to growth assets. From the age of 41, small changes will be made in your asset mix each year on your birthday which will gradually reduce your exposure to growth assets. By age 70, you will be invested more conservatively with around 60% of your investments in defensive assets like cash and bonds and the rest in growth assets.

Risk profile:  Ranges from Medium to High risk to High risk

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Socially Responsible Balanced

We have partnered with Australian Ethical Super to provide our members with a diverse investment option that focuses on environmental, social and governance issues.

Risk profile: High

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Conservative Balanced

This investment option balances growth and lower-risk assets like fixed interest and cash.  

Risk profile:  Medium to High

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Conservative

A diverse option that is weighted to low-risk assets like Bonds, Credit Income, and Cash and Term Deposits.

Risk profile: Medium

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Single asset class

Shares

Primarily made up of shares from the Australian and International equity markets.

Risk profile: Very High

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Australian Shares

Generally has 100% exposure to Australian equity markets.

Risk profile: Very High

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International shares

Primarily has 100% exposure to International equity markets.

Risk profile: Very High

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Property

Invested in property assets with a bias to unlisted properties; also called funds, syndicates or schemes.

Risk profile: High

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Bonds

Invested in Australian and international debt, largely from governments and corporations.

Risk profile: High

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Credit Income

Invested primarily in corporate debt that is less sensitive to movements in interest rates.

Risk profile: Medium

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Cash and Term Deposits

Invested in Australian cash through Australian banks. A liquid option with low risk.

Risk profile: Low

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Changing your investments

We make it easy to select your investments, whether for the first time or making a change.

Not sure which options are right for you? Members can schedule a call with our financial advice team to receive assistance on selecting the most appropriate options – at no extra cost.

Do I have to make an investment choice?

From 1 May 2018, if you are automatically enrolled with Australian Catholic Superannuation by your employer and do not make an investment choice, your investments will be invested in our MySuper option, LifetimeOne.

If you join as a personal member, you must make an investment choice.