• Next Steps
    Spring 2017

    Next Steps
    Spring 2017

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  • Our investment strategy
    Our investment strategy

    Super is generally the second largest investment you have. And because of this, we take the investment of your balance very seriously. We regularly review our investment portfolio and framework to ensure we are getting the most for you, our members.

    Our primary goal is to protect and grow our members’ retirement savings by diversifying across a range of asset classes and investing for the long term.

    Investing is about finding the balance between the amount of risk you’re willing to take and the amount of return you would like to see to build your super balance.

    Asset allocation   We diversify across a range of asset classes. Each option available at VicSuper, except cash, has an asset allocation. This then helps determine the risk measure. 
    Standard Risk Measure  This is a guide on how much risk may be involved by investing in a particular option. Higher risk options may provide higher returns over time but may be more prone to volatility in an up and down market environment.  
    Super is generally the second largest investment you have. And because of this, we take the investment of your balance very seriously. We regularly review our investment portfolio and framework to ensure we are getting the most for you, our members.

    Our primary goal is to protect and grow our members’ retirement savings by diversifying across a range of asset classes and investing for the long term.

    Investing is about finding the balance between the amount of risk you’re willing to take and the amount of return you would like to see to build your super balance.

    Asset allocation   We diversify across a range of asset classes. Each option available at VicSuper, except cash, has an asset allocation. This then helps determine the risk measure. 
    Standard Risk Measure This is a guide on how much risk may be involved by investing in a particular option. Higher risk options may provide higher returns over time but may be more prone to volatility in an up and down market environment.  
  • VicSuper invests in five asset classes:
    VicSuper invests in five asset classes:

    Equities (or company shares or stocks listed on a stock exchange). Equities usually gives the highest average long-term returns but may be subject to higher risk of low or negative returns in the short to medium term. Equities are considered to be a growth asset.

    Real assets are investments in property, infrastructure, agriculture and timber. This asset class has attributes of both growth and defensive assets.

    Fixed interest (often called bonds) are investments in debt securities issued by governments, semi-government agencies and corporations. Fixed Interest is considered to be a defensive asset class, as they aren’t exposed to the level of volatility experienced by some other asset classes such as Equities.

    Cash are investments held in bank bills and short-term deposits (for periods of 12 months or less) with banks and other financial institutions. Cash is considered a defensive asset due to lower exposure to volatility

    Alternatives at VicSuper are investments that deliver sources of return and risk which are different to the other asset classes as named above. That is, we expect the returns generated within the Alternatives asset class to have a lower dependence on the movement of (listed) Equities and Fixed Interest asset classes.

    This will include (but not limited to) investments such as private equity and debt, hedge fund and hedge fund like strategies. It's deemed a growth class.

    Our investment options

      Cash

    Term

    Deposit

    Capital

    Secure

    Capital

    Stable

    Balanced

    Socially

    Conscious

    Growth

    (MySuper)

    Equity

    Growth

    Australian

    Shares

    Equities allocation 0% 0%  11.5%  25.1%  40.9%  40.9%  51.5%  85.1%  100%
    Alternatives allocation   0%  0%  1.8%  6.3%  10%  10%  15%  14.9%  0% 
    Real assets allocation   0%  0%  15.5%  16.5%  17.5%  17.5%  18%  0%  0% 
    Fixed interest allocation   0%  0%   35.2% 34.6%  26.6%  26.6%  14.5%  0%  0% 
    Cash allocation  100%  100%   36% 17.5%  5%  5%  1%  0%  0% 
    Standard Risk Measure 

    Very

    low

    Very

    low

    Very

    low

    Low to

    medium

    Medium  Medium 

    Medium to

    high

    High 

    Very

    high

    Correct as at 11 August 2017

    Equities (or company shares or stocks listed on a stock exchange). Equities usually gives the highest average long-term returns but may be subject to higher risk of low or negative returns in the short to medium term. Equities are considered to be a growth asset.

    Real assets are investments in property, infrastructure, agriculture and timber. This asset class has attributes of both growth and defensive assets.

    Fixed interest (often called bonds) are investments in debt securities issued by governments, semi-government agencies and corporations. Fixed Interest is considered to be a defensive asset class, as they aren’t exposed to the level of volatility experienced by some other asset classes such as Equities.

    Cash are investments held in bank bills and short-term deposits (for periods of 12 months or less) with banks and other financial institutions. Cash is considered a defensive asset due to lower exposure to volatility

    Alternatives at VicSuper are investments that deliver sources of return and risk which are different to the other asset classes as named above. That is, we expect the returns generated within the Alternatives asset class to have a lower dependence on the movement of (listed) Equities and Fixed Interest asset classes.

    This will include (but not limited to) investments such as private equity and debt, hedge fund and hedge fund like strategies. It's deemed a growth class.
  • Reviewing and changing options
    Reviewing and changing options

    You can choose one investment option or create a tailored strategy by splitting your savings across multiple options.

    This is a small snapshot of investments but to find out more, head to the Investments page to learn more.

    If you would like to review and update your existing investment options, you can do this through Beeline. Beeline can help you work out your level of risk and your required return to guide you on the right options for you.
    You can choose one investment option or create a tailored strategy by splitting your savings across multiple options.

    This is a small snapshot of investments but to find out more, head to the Investments page to learn more.

    If you would like to review and update your existing investment options, you can do this through Beeline. Beeline can help you work out your level of risk and your required return to guide you on the right options for you.