Options



Investment options as at 30 June 2016

Super

Capital Guaranteed

Investment objectives

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the Consumer Price Index [CPI]) by at least 0.5% per year over rolling 10-year periods.
  • To provide a full guarantee on capital and credited accrued interest.
  • To provide 'smooth' returns which iron out market fluctuations and are never negative.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places. Special note: It is the Trustee's intention that this option will be invested in the AMP Guaranteed Savings Account, managed by AMP Life Limited (AMP). AMP guarantees that capital and credited accrued interest will not be reduced by negative investment returns. The asset allocation is determined by AMP. From time to time, funds may be invested in the term deposits of Authorised Deposit Taking Institutions. For liquidity purposes, the Trustee may hold a small allocation in cash.

Capital Stable

Investment objectives

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 2% per year over rolling 10-year periods.
  • To ensure as far as possible that the investment return members receive each year is competitive with comparable options in other super funds.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Conservative Balanced

Investment objectives

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 2.5% per year over rolling 10-year periods.
  • To ensure as far as possible that the investment return members receive each year is competitive with comparable options in other super funds.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Sustainable Balanced

Investment objectives

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 3% per year over rolling 10-year periods.
  • Within the Australian and overseas shares asset classes, to favour industries and companies that are expected to achieve sound investment returns, maintain good social and/or environmental records and have a sustainable future.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Balanced (MySuper)

Investment objectives

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 3% per year over rolling 10-year periods.
  • To ensure as far as possible that the investment return members receive each year is competitive with comparable options in other super funds.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history

Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Alternative Growth

Investment objectives

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 3.5% per year over rolling 10-year periods.
  • To produce a less volatile return profile than the Growth option by investing a significant component of the portfolio in alternative investments.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Growth

Investment objectives

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 4% per year over rolling 10-year periods.
  • To ensure as far as possible that the investment return members receive each year is competitive with comparable options in other super funds.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Capital Secure

Investment objectives

  • To outperform the return of the Australian cash market (as measured by the UBS Bank Bill Index).
  • To achieve returns after tax and fees at least in line with the inflation rate (as measured by the CPI) over rolling 10-year periods.

Asset classes
Benchmark and ranges at 30 June 2016

* Cash or short-term money market instruments


Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Fixed Interest

Investment objectives

  • To outperform the return of a mix of the Australian and overseas bond markets (as measured by a benchmark consisting of the Bloomberg AusBond Composite Bond Index and the Barclays Capital Global Aggregate Index [hedged]).
  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 0.5% per year over rolling 10-year periods.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Direct Property

Investment objectives

  • To outperform the return of the Australian direct property market (as measured by the Mercer Australian Unlisted Property Index [pre-tax]).
  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 3% per year over rolling 10-year periods.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Australian Shares

Investment objectives

  • To outperform the return of the Australian share market as measured by the S&P/ASX 300 Accumulation Index).
  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 4% per year over rolling 10-year periods.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Overseas Shares

Investment objectives

  • To outperform the return of the overseas share market (as measured by the MSCI World ex-Australia Index in $A).
  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 4% per year over rolling 10-year periods.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

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Pension

Capital Guaranteed

Investment objectives

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the Consumer Price Index [CPI]) by at least 0.5% per year over rolling 10-year periods.
  • To provide a full guarantee on capital and credited accrued interest.
  • To provide 'smooth' returns which iron out market fluctuations and are never negative.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places. Special note: It is the Trustee's intention that this option will be invested in the AMP Guaranteed Savings Account, managed by AMP Life Limited (AMP). AMP guarantees that capital and credited accrued interest will not be reduced by negative investment returns. The asset allocation is determined by AMP. From time to time, funds may be invested in the term deposits of Authorised Deposit Taking Institutions. For liquidity purposes, the Trustee may hold a small allocation in cash.

Capital Stable

Investment objectives

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 2% per year over rolling 10-year periods.
  • To ensure as far as possible that the investment return members receive each year is competitive with comparable options in other super funds.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Conservative Balanced

Investment objectives

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 2.5% per year over rolling 10-year periods.
  • To ensure as far as possible that the investment return members receive each year is competitive with comparable options in other super funds.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Sustainable Balanced

Investment objectives

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 3% per year over rolling 10-year periods.
  • Within the Australian and overseas shares asset classes, to favour industries and companies that are expected to achieve sound investment returns, maintain good social and/or environmental records and have a sustainable future.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Balanced

Investment objectives

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 3% per year over rolling 10-year periods.
  • To ensure as far as possible that the investment return members receive each year is competitive with comparable options in other super funds.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history

Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Alternative Growth

Investment objectives

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 3.5% per year over rolling 10-year periods.
  • Over the long term, to produce a less volatile return profile than the Growth option by investing a significant component of the portfolio in alternative investments.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Growth

Investment objectives

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 4% per year over rolling 10-year periods.
  • To ensure as far as possible that the investment return members receive each year is competitive with comparable options in other super funds.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Capital Secure

Investment objectives

  • To outperform the return of the Australian cash market (as measured by the UBS Bank Bill Index).
  • To achieve returns after tax and fees at least in line with the inflation rate (as measured by the CPI) over rolling 10-year periods.

Asset classes
Benchmark and ranges at 30 June 2016

* Cash or short-term money market instruments


Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Fixed Interest

Investment objectives

  • To outperform the return of a mix of the Australian and overseas bond markets (as measured by a benchmark consisting of the Bloomberg AusBond Composite Bond Index and the Barclays Capital Global Aggregate Index [hedged]).
  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 0.5% per year over rolling 10-year periods.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Direct Property

Investment objectives

  • To outperform the return of the Australian direct property market (as measured by the Mercer Australian Unlisted Property Index [pre-tax]).
  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 3% per year over rolling 10-year periods.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Australian Shares

Investment objectives

  • To outperform the return of the Australian share market as measured by the S&P/ASX 300 Accumulation Index).
  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 4% per year over rolling 10-year periods.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

Overseas Shares

Investment objectives

  • To outperform the return of the overseas share market (as measured by the MSCI World ex-Australia Index in $A).
  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 4% per year over rolling 10-year periods.

Asset classes
Benchmark and ranges at 30 June 2016
Risk Level

Very low
Low
Low to medium
Medium
Medium
to high
High
Very high


Returns history
Compound average returns p.a. for period to 30 June 2016. These returns are calculated after investment fees and taxes.

Note: Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. Returns have been rounded to two decimal places.

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Direct Investment option

CareSuper’s Direct Investment option allows eligible members to invest a proportion of their super in their choice of:

  • The securities that form part of the S&P/ASX 300 Index
  • A range of exchange-traded funds
  • A range of listed investment companies (LICs)
  • A range of term deposits.

With a wide variety of available investments, sophisticated online access and up-to-date market information, the Direct Investment option gives members the flexibility to become more actively involved in managing their super. For more information visit caresuper.com.au/DIoption.

Refer to the CareSuper Investment Guide for more information on all of the investment options. For information relating to fees, read Fees and other costs. For all pension investments information read the CareSuper Pension Guide.






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