income stream investment options

Investment return objective long term (10 years) (p.a.)

To earn a return (after-tax return for TTR), after investment fees and indirect costs, equivalent to or higher than:

RIS: CPI + 3.5%

TTR: CPI + 3.0%

Type of investor this option may suit

Ambitious

Description

Invests in a wide range of mainly shares, debt and infrastructure, with some property, private equity, alternatives, and cash investments. With a higher exposure to growth assets, this option may experience high volatility.

Probable number of negative annual returns over 20 years

4 to less than 6

Suggested minimum investment timeframe

5 to 7 years

Investment return objective long term (10 years) (p.a.)

To earn a return (after-tax return for TTR), after investment fees and indirect costs, equivalent to or higher than:

RIS: CPI + 2.0%

TTR: CPI + 1.5%

Type of investor this option may suit

Cautious

Description

Invests in a range of mainly debt and cash, with some exposure to shares, alternatives, property and infrastructure. With less exposure to growth assets, this option may experience low volatility.

Probable number of negative annual returns over 20 years

2 to less than 3

Suggested minimum investment timeframe

1 to 3 years

Investment return objective long term (10 years) (p.a.)

To earn a return (after-tax return for TTR), after investment fees and indirect costs, equivalent to or higher than:

RIS: CPI + 2.5%

TTR: CPI + 2.0%

Type of investor this option may suit

Ambitious

Description

Invests in a mix of low-cost asset class strategies that aims to closely match index returns. With a high exposure to growth assets, this option may experience high volatility.

Probable number of negative annual returns over 20 years

4 to less than 6

Suggested minimum investment timeframe

5 to 7 years

Investment return objective long term (10 years) (p.a.)

To earn a return (after-tax return for TTR), after investment fees and indirect costs, equivalent to or higher than:

RIS: CPI + 3.5%

TTR: CPI + 3.0%

Type of investor this option may suit

Ambitious

Description

This option seeks to avoid exposure to particular activities and tilt investment towards companies and assets whose activities are thematically aligned with one or more of the United Nations Sustainable Development Goals (SDGs). Invests in shares, debt and property, with some private equity, alternatives, infrastructure and cash investments. With a higher exposure to growth assets, this option may experience high volatility.

Probable number of negative annual returns over 20 years

4 to less than 6

Suggested minimum investment timeframe

5 to 7 years

Investment return objective long term (10 years) (p.a.)

To earn a return (after-tax return for TTR), after investment fees and indirect costs, equivalent to or higher than long term:

RIS: CPI + 4.5%

TTR: CPI + 4.0%

Type of investor this option may suit

Very ambitious

Description

Invests in a wide range of primarily Australian and international shares, infrastructure and private equity, along with some exposure to alternatives, property, debt and cash. With the highest allocation to growth assets across our Ready-Made options, this option may experience very high volatility.

Probable number of negative annual returns over 20 years

4 to less than 6

Suggested minimum investment timeframe

7 to 10 years

Investment return objective long term (10 years) (p.a.)

Over the long term, to earn a return (after-tax for TTR), after investment fees and indirect costs, equivalent to or higher than the return (net of tax for TTR) of the Bloomberg Ausbond Bank Bill Index.

Type of investor this option may suit

Very Cautious. Or an investor seeking to create their own portfolio, who would like to include cash, cash products and term deposits, or seeking exposure to this asset class.

Description

Invests in a range of at-call bank deposits and short-dated term deposits, and may have a small allocation to other cash investments. It is expected to deliver a return above the official RBA cash rate over the long term. 

Probable number of negative annual returns over 20 years

Less than 0.5

Suggested minimum investment timeframe

Less than 1 year

Previously named Cash, changed to include Term Deposits on 1 October 2020.

Investment return objective long term (10 years) (p.a.)

Over the long term, to earn a return (after-tax for TTR), after investment fees and indirect costs, equivalent to or higher than the return (net of tax for TTR) of the combination of:

• 50% Bloomberg AusBond Composite 0+ Year Index, and
• 50% Bloomberg Barclays Global Aggregate ex Australia Index Hedged to $A.

Type of investor this option may suit

An investor seeking to create their own portfolio, who would like to include debt and other fixed interest investments or seeking exposure to this asset class.

Description

Invests in Australian and international government bonds and other debt. This option is expected to earn a higher return than cash and may experience low volatility.

Probable number of negative annual returns over 20 years

2 to less than 3

Suggested minimum investment timeframe

1 to 3 years

Previously named Global Bonds.

Investment return objective long term (10 years) (p.a.)

Over the long term, to earn a return (after tax for TTR), after investment fees and indirect costs, equivalent to or higher than:

RIS: CPI + 3.5%

TTR: CPI + 3.0%

Type of investor this option may suit

An investor seeking to create their own portfolio, who would like to include property and infrastructure or seeking exposure to this asset class.

Description

Invests in Australian and global property and infrastructure, along with some cash. This option is expected to earn a higher return than cash and global debt and may experience moderate volatility.

Probable number of negative annual returns over 20 years

3 to less than 4

Suggested minimum investment timeframe

3 to 5 years

Previously named Property, changed to include Infrastructure on 1 October 2020.

Investment return objective long term (10 years) (p.a.)

Over the long term, to earn a return (after-tax for TTR), after investment fees and indirect costs, equivalent to or higher than the return (net of tax for TTR) of MSCI All Country World Ex-Australia Index (unhedged in AUD).

Type of investor this option may suit

An investor seeking to create their own portfolio, who would like to include international shares or seeking exposure to this asset class.

Description

Invests in a range of companies listed on stock exchanges around the world. With a full allocation to shares, this option may experience very high volatility.

Probable number of negative annual returns over 20 years

4 to less than 6

Suggested minimum investment timeframe

7 to 10 years

Investment return objective long term (10 years) (p.a.)

Over the long term, to earn a return (after-tax for TTR and adjusted for tax credits for RIS), after investment fees and indirect costs, equivalent to or higher than the return of the S&P/ASX 300 Accumulation Index (net of tax for TTR and adjusted for tax credits for RIS). 

Type of investor this option may suit

An investor seeking to create their own portfolio, who would like to include Australian shares or seeking exposure to this asset class.

Description

Invests in a range of companies listed on the Australian Stock Exchange, as well as a few that aren't. With a full allocation to shares, this option may experience very high volatility.

Probable number of negative annual returns over 20 years

6 or greater

Suggested minimum investment timeframe

7 to 10 years