Super options. Simple investing.
We’ve thought ahead and delivered an investment mix that factors in the markets highs and lows. Our LifeStage Tracker® option will adjust your risk profile automatically as you get older to minimise any short term losses. Check out the details below for more super options!
LifeStage Tracker®
If you’d prefer us to take charge, our LifeStage Tracker® options could be right up your alley. We’ve thought ahead and factored in the likely possibility that markets will go through temporary stages of volatility, especially after periods of strong performance. That’s why we’ve tailored our LifeStage Tracker® options to factor in market highs and lows.
LifeStage Tracker® is a pre-mixed blend of asset classes. It’s designed to automatically adjust your risk exposure to different asset classes as you get older. It works by changing your investment mix from growth assets (shares and property) to defensive assets (cash and fixed interest), as you approach retirement without you having to lift a finger.
Note: if you don’t choose an investment option, LifeStage Tracker® - Balanced will apply to your account (it’s our ’default’ investment strategy).
When you’re young:
Younger people have a longer investment timeframe and can therefore invest more in growth assets to maximise returns. As they have longer to invest their money, there’s more time to recover any short term losses.
When you’re older:
People nearing retirement may be less tolerant to risk, as they have more retirement savings and less time to recover short term losses. So it may make sense to have a greater proportion of money invested in defensive assets.
By automatically adjusting your investment mix according to your age, LifeStage Tracker® aims to give your super greater stability because it factors in low times such as we’re seeing now.
You can see this by looking at the investment performance for our LifeStage Tracker® Balanced option. If you’d been invested in our Over 60s mix, you’ll see that the return was positive, despite how the markets performed this year. On the other hand, if you were in our Under 40s option, although the return was negative, you’d still have about twenty years ahead of you to earn back these losses.
Select Your Own
If you’re into taking more control, you can use our Select Your Own options and invest in one or all of our asset specific portfolios. Each one has a different level of risk and return. So you can choose where you want your money invested depending on your risk profile.
Reminder: Always consider the current PDS when making investment decisions because it contains more detailed information and speak to a professional adviser if you’d like advice that takes into account your personal situation.