Each investment option has different investment objectives, asset allocation and risk and return expectations.
Generally, all investments have the potential to increase or decrease in value or stay the same. An increase in value generates a positive return while a decrease in value generates a negative return. Generally, the greater an investment’s potential return, the greater the risk associated with that investment.
You should be comfortable with the level of risk associated with the investment option(s) you choose.
Aggressive Growth
Most investments are in growth assets, mainly shares, with smaller allocations to property, infrastructure, alternatives, credit, and cash. Over the long term, this option is expected to deliver the highest return outcomes. However, it is also the riskiest, with an increased probability of delivering negative annual returns in any given year compared to other options.
Balanced Growth
Approximately two-thirds of investments are in growth assets, including shares, balanced with more defensive allocations to fixed income. There are also allocations to infrastructure, alternatives, credit, property, and cash. This option is designed to deliver high long-term returns with less volatility compared to the Aggressive Growth option.
Cautious
Approximately one-third of investments are in growth assets, such as shares, and there is a high allocation to defensive assets such as fixed income and cash. This investment mix is expected to deliver few negative return years, but it has enough risk exposure to achieve returns higher than the Cash option over the long term.
Cash
When you invest in our Cash option, your funds are mostly held in a deposit account with a bank. The target return is the overnight cash rate set by the RBA. It is the safest most conservative investment option which will deliver low and consistent returns.
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to your account and go to the "Managing your investments" page to see the description, objective, standard risk measure, minimum suggested timeframe, asset allocation, and recent investment performance for each investment option.
Super members who do not make an investment choice will be invested in the default Balanced Growth option. Retirement members who do not make an investment choice will be invested in the option(s) that most recently applied to their super account.
For more on information on our investment options and what to consider when making an investment choice, including details about risk and return, read the PDS for your section.
Changing investment options
You can choose one, or a combination of our four investment options for your account and there is no cost to do this.
You can invest your account balance in more than one investment option, in any proportion you wish. Super members can also choose the same or a different investment mix to apply to any future contributions and other cashflow (such as rollovers) coming into their account.
Retirement members can choose to have drawdowns or payments coming out of their account drawn from one or more of their investment options.
While it is possible to change your investment choice daily, you should think carefully about making any changes based on your reaction to short-term fluctuations in the value of your investment. Super is generally considered to be a long-term investment in which you should take a considered long-term view of investment markets.
How do I change my investments
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to your account, and go to the "Managing your investments" page.
Important note: if you submit a change to your investments by 11pm (AEST/AEDT) on a business day it will be held for three business days before processing. The request will be processed using the unit price in the administration system on the day the switch is processed, which is generally derived from the valuations at close of business three days earlier. Switch requests received after 11pm (AEST/AEDT) on a business day, or on a non-business day, will be treated as having been received on the following business day. During times of extreme market volatility, processing of members' requests may be delayed.
As your circumstances change, you may need to review your investment options. Before you make a choice, we recommend you seek financial advice from an ANZ Staff Super financial adviser.
Unit prices
Your ANZ Staff Super account is recorded as a unit holding in one or more of the underlying investment options.
Each investment option has a unit price. The unit price of a particular investment option is the value of its net assets divided by the number of units on issue. The “value of net assets” is the current market value of assets in an investment option, after deducting current liabilities such as accrued investment tax (where applicable) and investment related expenses.
Unit prices are set daily. As asset values fluctuate, unit prices will go up and down. The investment return for each investment option is calculated as the percentage change in unit prices for the year, to provide a measure of investment performance.
To check current or historical unit prices of ANZ Staff Super,
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and go the "Managing your investments" page.
Need help with investing?
No one can control the markets, but you can shape your own reactions and decide what to do with your investments.
If you are investing for the longer term (5 years or more) then sticking with your current investment option and riding out any short-term volatility is one course of action.
It’s a good idea to review your investment strategy from time to time. If you need help reviewing your investment strategy, we recommend you get in touch with us and get advice from an ANZ Staff Super financial adviser.
Advice at no extra cost
Get the advice you need before you make an investment choice or change your investment options. You can contact an ANZ Staff Super financial adviser on 1800 000 086 who can give you advice on the investment options available in the fund.
The Trustee of ANZ Staff Super has entered into an agreement with Link Advice who have been engaged to provide members with general or limited personal financial advice about options available within ANZ Staff Super over the phone. Any advice provided by Link Advice is not endorsed by the Trustee and is not provided under the Trustee's AFSL.