Important info on investment options.

LifeStage Tracker® - Balanced.
Under 40s mix 40s mix 50s mix Over 60s mix
Objective To get returns (after tax and fees) that exceed the Consumer Price Index (CPI) by at least 3.5% p.a. over rolling 5-year periods. To get returns (after tax and fees) that exceed the Consumer Price Index (CPI) by at least 3% p.a. over rolling 5-year periods. To get returns (after tax and fees) that exceed the Consumer Price Index (CPI) by at least 2% p.a. over rolling 3-year periods. To get returns (after tax and fees) that exceed the Consumer Price Index (CPI) by at least 1% p.a. over rolling 2-year periods.
Strategy To invest 85% in shares and property, with the remainder invested in cash and fixed interest. To invest 70% in shares and property, with the remainder invested in cash and fixed interest. To invest 50% in shares and property, with the remainder invested in cash and fixed interest. To invest 20% in shares and property, with the remainder invested in cash and fixed interest.
Likelihood of negative annual return Once every 4 years Once every 4.5 years Once every 5.5 years Once every 8 years
Risk/Return High risk High return Medium/high risk Medium/high return Medium risk Medium return Low risk Low return
Investment timeframe At least 7 years At least 5 years At least 4 years At least 2 years
Asset allocation balanced pie graph balanced pie graph balanced pie graph balanced pie graph
  • Australian shares %
  • International shares %
  • Property %
  • Cash and fixed interest %

LifeStage Tracker® - Balanced Performance over 2 years to 30 June 2008.

Balanced
  • Under 40s mix
  • 40s mix
  • 50s mix
  • Over 60s mix

All returns are net of relevant fees and tax.

LifeStage Tracker® - Balanced Performance since inception 2005.

Balanced
  • Under 40s mix
  • 40s mix
  • 50s mix
  • Over 60s mix

All returns are net of relevant fees and tax.

LifeStage Tracker® - Aggressive.
Under 40s mix 40s mix 50s mix Over 60s mix
Objective To get returns (after tax and fees) that exceed the Consumer Price Index (CPI) by at least 4.0% p.a. over rolling 7-year periods. To get returns (after tax and fees) that exceed the Consumer Price Index (CPI) by at least 3% p.a. over rolling 5-year periods. To get returns (after tax and fees) that exceed the Consumer Price Index (CPI) by at least 3.5% p.a. over rolling 5-year periods. To get returns (after tax and fees) that exceed the Consumer Price Index (CPI) by at least 2% p.a. over rolling 3-year periods.
Strategy To invest 100% in shares. To invest 85% in shares and property, with the remainder invested in cash and fixed interest. To invest 70% in shares and property, with the remainder invested in cash and fixed interest. To invest 50% in shares and property, with the remainder invested in cash and fixed interest.
Likelihood of negative annual return Once every 4 years Once every 4 years Once every 4.5 years Once every 5.5 years
Risk/Return High risk High return Medium/high risk Medium/high return Medium risk Medium return Low risk Low return
Investment timeframe At least 7 years At least 7 years At least 5 years At least 4 years
Asset allocation aggressive pie graph aggressive pie graph aggressive pie graph aggressive pie graph
  • Australian shares %
  • International shares %
  • Property %
  • Cash and fixed interest %

LifeStage Tracker® - AggressivePerformance over 2 years to 30 June 2008.

Aggressive
  • Under 40s mix
  • 40s mix
  • 50s mix
  • Over 60s mix

All returns are net of relevant fees and tax.

LifeStage Tracker® - AggressivePerformance since inception 2005.

Aggressive
  • Under 40s mix
  • 40s mix
  • 50s mix
  • Over 60s mix

All returns are net of relevant fees and tax.

Select Your Own
Under 40s mix 40s mix 50s mix Over 60s mix
Objective To achieve returns (after tax and fees) that exceed the Consumer Price Index (CPI) by at least 3.5% pa over rolling 7-year periods. To achieve returns (after tax and fees) that exceed the Consumer Price Index (CPI) by at least 3.5% pa over rolling 5-year periods. To achieve returns (after tax and fees) that exceed the Consumer Price Index (CPI) by at least 2.5% pa over rolling 5-year periods. To achieve returns (after tax and fees) in line with the Consumer Price Index (CPI) over rolling 1-year periods.
Strategy To invest 100% in Australian shares. To invest 100% in international shares. To invest 100% in Australian listed property securities. To invest 100% in Australian and international fixed interest securities and cash.
Likelihood of negative annual return Once every 3.5 years Once every 3.5 years Once every 4 years Once every 9 years
Risk/Return High risk High return High risk High return Medium/high risk Medium/high return Low risk Low return
Investment timeframe At least 7 years At least 7 years At least 5 years 1 to 2 years
Asset allocation select your own pie graph select your own pie graph select your own pie graph select your own pie graph
  • Australian shares %
  • International shares %
  • Property %
    • Australian fixed interest %
    • International fixed interest %
    • Cash %

Select Your OwnPerformance to 30 June 2008.

Select your own
  • Australian shares
  • International shares
  • Property
  • Cash and fixed interest

All returns are net of relevant fees and tax.

Select Your OwnPerformance since inception 2005.

Select your own
  • Australian shares
  • International shares
  • Property
  • Cash and fixed interest

All returns are net of relevant fees and tax.

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Contents

  1. We’re here for a good time and a long time.
  2. Welcome to another year with the Virgin Super Team.
  3. It’s been a rough year but don’t panic.
  4. Super options. Simple investing.
  5. Important info on investment options.
  6. Live fast. Quit rich.
  7. Market overview to 30 June 2008.
  8. More important info on investing.
  9. Other important stuff.
  10. Our vital statistics.