Premium Choice investment options - BUSSQ

Premium Choice investment options

With BUSSQ Super's Premium Choice investment options you can choose a super investment strategy that best suits your needs and tolerance for risk.

BUSSQ PREMIUM CHOICE 

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.

Pre mixed options

Premium Balanced Growth

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 seven 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

PC BALANCE Range

RISK FACTOR

PC BALANCE Risk

SUGGESTED MINIMUM TIMEFRAME

At least 5 years

RETURNS

Year Ending 30 June

Super

2018 8.79%
2017 9.76%
2016 7.00%
2015 9.80%
2014 12.66%
2013 16.15%
2012 1.00%
2011 9.28%
2010 9.37%
2009 -12.39%
2008 -3.91%

Defensive Defensive

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 25 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

PC DEFENCE Range

Risk factor

PC DEFENSIVE Risk

Suggested minimum timeframe

At least 3 years.

Returns

Year Ending 30 June

Super

2018
6.65%
2017 5.85%
2016 5.63%
2015 6.36%
2014 7.99%
2013 9.41%
2012 4.52%
2011 7.54%
2010 8.25%
2009 -6.75%
2008 1.40%

High Growth High Growth

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

PC HIGHGROWTH Range

Risk factor

PC HIGHGROWTH Risk

Suggested minimum timeframe

At least 10 years .

Returns

Year Ending 30 June

Super

2018
9.96%
2017
11.16%
2016 7.36%
2015 10.71%
2014 14.37%
2013 19.55%
2012 -0.33%
2011 11.77%
2010 10.29%
2009 -13.27%
2008 -7.47%

Single asset class

Cash 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

PC CASH Range

Risk factor

PC CASH Risk

Suggested minimum timeframe

Not applicable.

Returns

Year Ending 30 June

Super

2018
1.63%
2017
1.75%
2016 1.91%
2015 2.21%
2014 2.35%
2013 3.31%
2012 4.59%
2011 5.03%
2010 3.91%
2009 2.87%
2008 4.51%

Diversified Fixed Interest 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
PC DIVERSIFIED Range

Risk factor


PC DIVERSIFIED Risk

Suggested minimum timeframe

At least 3 years.

Returns

Year Ending 30 June

Super

2018
1.56%
2017
2.17%
2016 2.66%
2015 3.09%
2014 4.48%
2013 3.35%
2012 7.93%
2011 6.62%
2010 13.23%
2009 4.24%
2008 4.89%

Australian Shares Australian Shares

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

PC AUS SHARES Range

Risk factor

PC AUS SHARES Risk

Suggested minimum timeframe

At least 10 years

Returns

Year Ending 30 June

Super

2018
13.42%
2017
13.15%
2016 6.93%
2015 6.02%
2014 17.30%
2013 21.70%
2012 -6.32%
2011 14.93%
2010 13.57%
2009 -15.97%
2008 -11.66%

Australianlarger Companieshares Australian (Larger Companies) Shares (CLOSED)

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

Australian Larger Companies Shares Allocation

Risk factor

very-high 

Suggested minimum timeframe

At least 10 years

Returns

Year Ending 30 June

Super

2018
12.90%
2017
13.13%
2016 5.65%
2015 5.78%
2014 16.51%
2013 22.77%
2012 -5.01%

Australian Small Companies Shares Australian (Small Companies) Shares

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 

AUS SMALL SHARES Range 

Risk factor

PC AUS SMALL SHARES Risk

Suggested minimum timeframe

At least 10 years.

Returns

Year Ending 30 June

Super

2018
14.29%
2017
12.55%
2016 10.13%
2015 7.22%
2014 22.07%
2013 10.31%
2012 -7.14%

All Shares All Shares

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

PC ALL SHARES Range

Risk factor

PC ALL SHARES Risk

Suggested minimum timeframe

At least 10 years.

Returns

Year Ending 30 June

Super

2018
12.26%
2017
14.99%
2016 5.29%
2015 12.48%
2014 17.02%
2013 24.54%
2012 -4.90%

International Shares unhedged International Shares

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

PC INTERNATIONAL SHARES Range

Risk factor

PC INTERNATIONAL SHARES Risk

 

Suggested minimum timeframe

At least 10 years.

Returns

Year Ending 30 June

Super

2018
11.58%
2017
16.47%
2016 3.62%
2015 18.55%
2014 17.81%
2013 27.89%
2012 5.26%
2011 5.04%
2010 6.62%
2009 -11.81%
2008 -19.49%

International Emerging Markets Shares International (Emerging Markets) Shares

This investment option is for investors looking for a standalone investment in International Shares in emerging market countries (i.e. 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

PC EMERGING SHARES Range

Risk factor

PC EMERGING SHARES Risk

Suggested minimum timeframe

At least 10 years.

Returns

Year Ending 30 June

Super

2018
8.40%
2017
15.67%
2016 -6.82%
2015 13.78%
2014 11.81%
2013 17.80%
2012 -4.63%

Financial Planning Advice from BUSSQ's Experienced Financial Planners

You don’t have to make investment decisions about your super fund on your own. BUSSQ offers members straightforward financial advice about choosing investment options at no extra cost, as it’s included in the fund’s administration fees. Book in to speak with a BUSSQ Financial Planner.