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

We 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.

Review the table that summarises all investment management fees and indirect cost ratios that will apply for each investment option as from 31 January 2019. It also lists the current fees and costs.

Investment options

  • LifetimeOne

    LifetimeOne is our default investment option. This option is designed to ensure members maintain an appropriate exposure to growth and defensive assets depending on their age. For younger members there will be a greater exposure to growth assets. Once members reach 40 years of age, the asset allocation will change gradually, moving from a growth focused asset mix to a more conservative one as a member moves closer to retirement age.

    Learn more here.

  • Socially Responsible Balanced

    The Socially Responsible Balanced option is an investment option that is made up of a diverse mix of all major asset classes. It is designed to provide strong returns while integrating environmental, social and corporate governance (ESG) factors into the investment management.

    Learn more here.

  • High Growth

    The High Growth option is the most aggressive of our diversified investment options with a substantial allocation to growth assets and is designed to help members see a significantly higher return with correspondingly high level of risk.

    Learn more here.

  • Growth

    Our Growth option is one of the range of investment choices available to members of Australian Catholic Superannuation. It is made up of shares of Australian and International equity markets along with a mix of other assets,. It’s a growth option – evidenced by the name – that is designed to provide higher returns for members who are comfortable with more volatility and a higher chance of a negative return or loss in any one year.

    Learn more here.

  • Balanced

    This option is made up of a diverse mix of all major asset classes.

    Learn more here.

  • Conservative Balanced

    Our Conservative Balanced investment option is made up of a diverse mix of asset classes and is designed to provide a moderate return on investment without exposing our members to a great deal of risk for a negative return.

    Learn more here.

  • Conservative

    Our Conservative investment option is made up of a diverse mix of asset classes and is designed to provide a moderate return on investment while significantly reducing the risk of a negative return by selecting more conservative assets including Cash and Term Deposits, Credit Income and Bonds.

    Learn more here.

  • Shares

    Our Shares option is one of the range of investment choices available to members of Australian Catholic Superannuation. This option is made up of shares of Australian and International equity markets, It’s considered a growth option, designed to produce higher returns for members who are comfortable with more volatility and higher chance for a negative return or loss in any one year.

    Learn more here.

  • Australian Shares

    Our Australian Shares investment option is generally made up of 100% exposure to Australian equity markets. It is designed to provide a large return on investment for members who are willing to also accept potentially higher risk of a negative return.

    Learn more here.

  • International Shares

    Our International Shares investment option is primarily made up of 100% exposure to International equity markets. It is designed to provide a large return on investment for members who are willing to also accept potentially higher risk of a negative return.

    Learn more here.

  • Property

    Our Property investment option is invested in property assets with a bias to unlisted properties. It is  designed to provide a large return on investment for members who are willing to also accept potentially higher risk of a negative return.

    Learn more here.

  • Bonds

    Our Bonds investment option is a conservative option predominantly invested in Australian and international debt. Some cash may also be held within this option. It is designed to provide a stable return on investment for members who are have a lower tolerance for a negative return.

    Learn more here.

  • Credit Income

    The Credit Income option is one of a range of investment choices available to members. It is considered a conservative investment option which is designed to help members see a modest return with lower levels of risk.

    Learn more here.

  • Cash and Term Deposits

    The Cash and Term Deposits (Cash) option is one of a range of investment choices available to members. It is considered a conservative investment option. Conservative investment options are designed to help members see a modest return with lower levels of risk.

    Cash has similar credit risks to the Bonds option; however, the capital value is less sensitive to movements in interest rates.

    Learn more here.

Changing your investments

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

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.