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Financial markets remained strong in 2021

 

Financial markets performed strongly throughout the year, including the quarter to 31 December 2021, despite the challenges and disruptions brought on by the pandemic. As economies looked to slowly start reopening, markets benefited from a ‘reopening boom’ which saw solid returns and positive performance generally.

The pandemic continues to present challenges for policymakers, economies and markets and it is likely we will see an ongoing impact on travel, trade, supply chains, and the service sector. However, we expect Australia’s economy to remain strong and continue to gather momentum, with growth boosted by consumers with accumulated savings during the pandemic. This growth is likely to translate into improved labour markets and wages.

Towards year-end, signs of increasing inflationary and geopolitical risks flagged that 2022 will likely be more volatile. With inflation a key risk, we expect that central banks around the world may begin to raise rates in response.

For investment markets this means that growth-focused investments should be supported by the positive economic outlook. However, returns overall could be challenged as interest rates begin to rise.

As we consider the year ahead in the context of the economic backdrop, it’s important to remember that super is a long-term investment. When we invest your super, our aim is to maximise your long-term savings. We do this by taking short-term risks into account, but also by implementing a longer-term, risk-adjusted strategy with the aim of delivering leading long-term performance1 and helping you retire with more.

When markets fall or are volatile, staying invested rather than withdrawing from the market (by switching your investments into cash for example) is very important because it reduces your chance of a negative outcome over the long-term. Markets will always fluctuate, but the longer you stay invested, the less affected you are likely to be by short-term falls. It’s very difficult to reliably time the market or choose the best time to invest. It’s why we say that time in the market is better than trying to time the market if your aim is to grow your savings over the long-term.

You can learn more about investing and market volatility by watching our videos.

Top-10 performance1 - helping you retire with more

More than 80% of our accumulation members are invested in our MySuper FutureSaver Growth investment option, which delivered strong positive performance this year - returning 6.2% for 6 months and 14.8% for 12 months to 31 December 2021.

Long-term performance is what is most important for our members’ super savings, so it’s good news that strong performance in the short and longer term means our MySuper FutureSaver - Growth option ranked in the top 10 for 3,5 and 10 years to 31 December 20212

You can feel confident that your super savings are working hard for you, helping you retire with more.

 

Find out how your investment option has performed.

Our retirement strategies also delivered positive performance

If you are one of our members nearing or in retirement, we tailor options typically used at this stage of life to help safeguard your super savings by cushioning the impact of short-term market falls, while positioning to benefit from market rises.

Our retirement-focused investment options delivered positive returns in the 6 months to 31 December 2021, with the Flexible Income Growth option returning 5.8% for the 6 months to 31 December 2021.

You can feel confident that you’re with a top-performing fund. Our Flexible Income Growth option has delivered top-10 performance over 3, 5 and 10 years to 31 December 20213.

Find out about how much you might need to retire, and how to start planning for your retirement.

 

 

1 Source: SuperRatings Fund Crediting Rate Survey 31 December 2021 (SR Balanced (60-76) index - approximately 50 options). VicSuper FutureSaver – Growth (MySuper) Option ranked in the top 10 for 3, 5 and 10 year periods. Past performance is not a reliable indicator of future performance.

2 Source: SuperRatings Fund Crediting Rate Survey 31 December 2021 (SR Balanced (60-76) index - approximately 50 options). VicSuper FutureSaver – Growth (MySuper) Option ranked in the top 10 for 3, 5 and 10 year periods. Past performance is not a reliable indicator of future performance.

3 Source: SuperRatings Pension Fund Crediting Rate Survey, 31 December 2021. SRP50 Balanced (60-76) Index – approximately 49 options. VicSuper Flexible Income Growth option ranked in the top 10 for 3,5, and 10 year periods. Past performance is not a reliable indicator of future performance.

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If you’d like more information, or if we can help, don’t hesitate to get in touch.