There are 10 investment options to choose from so you can mix and match to suit your needs. Importantly, you are not tied down to one investment strategy - you can change your investment options, at no cost when it suits you.
Designed for medium to long term investors. Premium Balanced Growth is the
most diversified Premixed option and provides a mix of growth and defensive assets such as shares, property and fixed interest securities. The frequency of a negative return is expected to be once in eight years.
INVESTMENT OBJECTIVE
For the annual rate credited to members to exceed the change in the Consumer Price Index by +4% per annum.
TARGET ASSET ALLOCATION
RISK FACTOR
SUGGESTED MINIMUM TIMEFRAME
At least 5 years
RETURNS
Year Ending 30 June
|
Income account
|
2018
|
10.47% |
2017
|
9.40% |
| 2016 |
7.48% |
| 2015 |
10.65% |
| 2014 |
14.52% |
| 2013 |
18.74% |
| 2012 |
2.21% |
| 2011 |
10.56% |
| 2010 |
8.67% |
| 2009 |
-11.86% |
| 2008 |
-4.74% |
Designed for short to medium term investors looking for stable returns
with minimal capital growth. The Defensive option provides investment mainly in fixed interest securities, with moderate exposure to growth assets, such as shares and property. The frequency of a negative return is expected to be once in 30 years.
Investment objective
For the annual rate credited to members to have a reasonable probability of exceeding the change in the Consumer Price Index by +3% per annum.
Target asset allocation
Risk factor
Suggested minimum timeframe
At least 3 years.
RETURNS
Year Ending 30 June
|
Income account
|
2018
|
8.17% |
2017
|
6.05% |
| 2016 |
6.25% |
| 2015 |
7.15% |
| 2014 |
9.24% |
| 2013 |
10.90% |
| 2012 |
4.87% |
| 2011 |
8.68% |
| 2010 |
8.35% |
| 2009 |
-6.77% |
| 2008 |
2.40% |
This option may suit long term investors looking for an attractive return and capital growth who can tolerate a higher level of risk and volatility. High Growth provides a high allocation of investments to growth assets, such as shares. The frequency of a negative return is expected to be once in five years.
Investment objective
For the annual rate credited to members to exceed the change in the Consumer Price Index by +4.5% per annum.
Target asset allocation
Risk factor
Suggested minimum timeframe
At least 10 years .
RETURNS
Year Ending 30 June
|
Income account
|
2018
|
12.39% |
2017
|
11.56% |
| 2016 |
7.68% |
| 2015 |
11.38% |
| 2014 |
16.39% |
| 2013 |
22.41% |
| 2012 |
0.01% |
| 2011 |
13.29% |
| 2010 |
10.20% |
| 2009 |
-13.47% |
| 2008 |
-8.42% |
Cash
This investment option is for investors who are risk averse and looking for a secure 100% cash investment. This option may suit members who are willing to sacrifice overall return in favour of less risk and a steady rate of return. The Cash pool aims to avoid negative returns in any year.
Investment objective
For the annual rate credited to members to have a reasonable probability of exceeding the change in the Consumer Price Index by +1% per annum.
Target asset allocation
Risk factor
Suggested minimum timeframe
Not applicable.
RETURNS
Year Ending 30 June
|
Income account
|
2018
|
2.44% |
2017
|
2.08% |
| 2016 |
2.27% |
| 2015 |
2.61% |
| 2014 |
2.81% |
| 2013 |
3.88% |
| 2012 |
5.41% |
| 2011 |
5.95% |
| 2010 |
4.67% |
| 2009 |
3.27% |
| 2008 |
6.37% |
Diversified Fixed Interest
This investment option is for investors looking for a stand-alone Fixed Interest investment. This option invests in BUSSQ’s Australian and International Fixed Interest sectors with weightings that replicate the Premium Balanced Growth option’s allocations to these two sectors. The frequency of a negative return is expected to be once in 20 years.
Investment objective
For the annual rate credited to members to have a reasonable probability of exceeding the change in the Consumer Price Index by +2% per annum.
Target asset allocation
Risk factor
Suggested minimum timeframe
At least 3 years.
RETURNS
Year Ending 30 June
|
Income account
|
2018
|
2.37% |
2017
|
2.56% |
| 2016 |
3.16% |
| 2015 |
3.65% |
| 2014 |
5.33% |
| 2013 |
3.91% |
| 2012 |
9.37% |
| 2011 |
7.84% |
| 2010 |
16.22% |
| 2009 |
4.13% |
| 2008 |
7.19% |
This investment option is for investors looking for a stand-alone Australian Shares investment. This option is a sector specific option and invests 100% in BUSSQ’s Australian Shares sector. The frequency of a negative return is expected to be once in four years.
Investment objective
For the annual rate credited to members to have a reasonable probability of exceeding the change in the Consumer Price Index by +4.5% per annum.
Target asset allocation
Risk factor
Suggested minimum timeframe
At least 10 years
RETURNS
Year Ending 30 June
|
Income account
|
2018
|
15.65% |
2017
|
15.02% |
| 2016 |
7.81% |
| 2015 |
6.76% |
| 2014 |
19.69% |
| 2013 |
25.02% |
| 2012 |
-6.69% |
| 2011 |
16.73% |
| 2010 |
14.84% |
| 2009 |
-18.09% |
| 2008 |
-13.15% |
Effective 1st November 2018, the Australian Shares Large Companies investment option will close to new and existing investment. If you are invested in this option you will be required to submit an investment switch to an alternative investment before 6pm on Friday, 26th October. Members who do not perform an investment switch will be automatically switched into the Australian Shares option.
This investment option is for investors looking for a standalone investment focused on shares in larger Australian companies. This option is a sector specific option and invests 100% in Australian shares and, in particular, larger listed companies. The frequency of a negative return is expected to be once in four years.
Investment objective
For the annual rate credited to members to have a reasonable probability of exceeding the change in the Consumer Price Index by +4.5% per annum.
Target asset allocation
Risk factor
Suggested minimum timeframe
At least 10 years
RETURNS
Year Ending 30 June
|
Pension
|
2018
|
15.05% |
2017
|
15.00% |
| 2016 |
6.33% |
| 2015 |
6.46% |
| 2014 |
18.75% |
| 2013 |
26.15% |
| 2012 |
-1.83% |
This investment option is for investors looking for a standalone investment, focused on shares in smaller Australian companies. This option is a sector specific option and invests 100% in Australian shares and, in particular, smaller listed companies. The frequency of a negative return is expected to be once in four years.
Investment objective
For the annual rate credited to members to have a reasonable probability of exceeding the change in the Consumer Price Index by +5% per annum.
Target asset allocation
Risk factor
Suggested minimum timeframe
At least 10 years.
RETURNS
Year Ending 30 June
|
Income account
|
2018
|
16.53% |
2017
|
14.27% |
| 2016 |
11.15% |
| 2015 |
8.15% |
| 2014 |
24.98% |
| 2013 |
10.77% |
| 2012 |
-8.45% |
This investment option is for investors looking for a diversified shares investment covering both Australian and International Shares. The option will invest 50% in Australian Shares and 50% in Overseas Shares with no currency hedging (unhedged). The frequency of a negative return is expected to be once in four years.
Investment objective
For the annual rate credited to members to have a reasonable probability of exceeding the change in the Consumer Price Index by +4.5% per annum.
Target asset allocation
Risk factor
Suggested minimum timeframe
At least 10 years.
RETURNS
Year Ending 30 June
|
Income account
|
2018
|
14.32% |
2017
|
17.01% |
| 2016 |
5.32% |
| 2015 |
14.08% |
| 2014 |
19.38% |
| 2013 |
28.23% |
| 2012 |
-4.52% |
This investment option is for investors looking for a stand-alone International Shares investment. This option has variable currency hedging depending on market conditions and the assessed relative value of the Australian dollar. The frequency of negative return is expected to be once in four years.
Investment objective
For the annual rate credited to members to have a reasonable probability of exceeding the change in the Consumer Price Index +4.5% per annum.
Target asset allocation
Risk factor
Suggested minimum timeframe
At least 10 years.
RETURNS
Year Ending 30 June
|
Income account
|
2018
|
13.48% |
2017
|
18.49% |
| 2016 |
3.33% |
| 2015 |
20.95% |
| 2014 |
20.25% |
| 2013 |
31.67% |
| 2012 |
5.69% |
| 2011 |
6.11% |
| 2010 |
8.99% |
| 2009 |
-14.97% |
| 2008 |
-20.11% |
This investment option is for investors looking for a standalone investment in International Shares in emerging market countries (ie. Brazil, India, China). This option is unhedged, which means that it will be subject to fluctuations in performance because of currency movements. The frequency of a negative return is expected to be once in four years.
Investment objective
For the annual rate credited to members to have a reasonable probability of exceeding the change in the Consumer Price Index +5% per annum.
Target asset allocation
Risk factor
Suggested minimum timeframe
At least 10 years.
RETURNS
Year Ending 30 June
|
Income account
|
2018
|
10.21% |
2017
|
17.86% |
| 2016 |
-8.32% |
| 2015 |
16.46% |
| 2014 |
14.31% |
| 2013 |
20.41% |
| 2012 |
-5.37% |