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

Default option

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.

APRA, the superannuation regulator, has notified the Fund that our MySuper option has not passed the annual performance test. Click here for more information.

Learn more in our Investment Options Factsheet here.

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Diversified options

Growth

The 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.

For the Growth option, the suggested minimum investment term is at least 7+ years.

Learn more in our Investment Options Factsheet here.

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Balanced

Our Balanced 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. This option 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.

For our Balanced option, the suggested minimum investment term is 7+ years.

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Conservative Balanced

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

For the Conservative Balanced option, the suggested minimum investment term is at least 4 years.

Learn more in our Investment Options Factsheet here.

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Capital Stable

Our Capital Stable 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.

For our Capital Stable option, the suggested minimum investment term is 3-5 years.

Learn more in our Investment Options Factsheet here.

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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 without exposing our members to a great deal of risk for a negative return.

For our Conservative option, the suggested minimum investment term is 3-5 years.

Learn more in our Investment Options Factsheet here.

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Socially Responsible option

Socially Responsible

The Socially Responsible 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.

For the Socially Responsible option, the suggested minimum investment term is 4 + years.

Learn more in our Investment Options Factsheet here.

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Single asset options

Shares

Our Shares 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.

For our Shares option, the suggested minimum investment term is 7+ years.

Learn more in our Investment Options Factsheet here.

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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.

For the Australian Shares option, the suggested minimum investment term is 7+ years.

Learn more in our Investment Options Factsheet here.

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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.

For the International Shares option, the suggested minimum investment term is 7+ years.

Learn more in our Investment Options Factsheet here.

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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.

For the Property option, the suggested minimum investment term is 3-5 years.

Learn more in our Investment Options Factsheet here.

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Bonds

Our Bonds investment option is a lower risk 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.

For the Bonds option, the suggested minimum investment term is 3-5 years.

Learn more in our Investment Options Factsheet here.

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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.

For the Credit Income option, the suggested minimum investment term is 3-5 years.

Learn more in our Investment Options Factsheet here.

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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.

For Cash, the suggested minimum investment term is 1-5 years.

Learn more in our Investment Options Factsheet here.

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FAQs

Did you know that you can pick an option in the member portal?

You can change your investment option in the member portal in the “My investments” section.

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We also suggest you consider the Fund’s Target Market Determination for Superannuation (TMD) to help you understand the class of consumer the product is generally designed for. Access to the TMD is available on the Forms and Downloads section of our website.