unisuper investment profile

unisuper investment profile

This means your super savings need to last longer than ever before. Build your own portfolio with our Sector investment options. Investment returns are what you could earn or lose on your investment. UniSuper has 16 investment options, 1 MySuper products authorised and 25% of its total assets are invested in a default or MySuper strategy. Cookies help us improve your website experience. Australians are living a lot longer these days. They’ll allocate and manage investments for you.

This profile is factual information and is not an advertisement or recommendation for UniSuper. UniSuper’s super and pension products cater to members’ needs at their different stages of life. Learn more about each option, including its investment strategy, performance, and fees and costs. We’ll take you through the basics, explain key terms and guide you through questions to help you choose the right investments for you.

If you’re closer to retirement or planning to reduce your hours, you’re less likely to recover if investments decline in value.

Objective and performance. *Past performance is not an indicator of future performance. Invest the rest in Sector investment options (you’ll need to look after the allocations to each of your chosen Sector options). Your super is invested in assets such as shares, property or fixed interest. Any advice on this website doesn’t take into account your objectives, financial situation or needs. We have a range of investment types, including sustainable and environmental options, so you can build an investment strategy that's right for you. Understanding how investing works might seem hard at first. Generally, with a longer investment horizon, your final super balance will be less affected by risk and market volatility and you’ll have more time to ride out the variability of short-term returns. Your super is likely to be one of the biggest investments you’ll ever make.

But there are always opportunities—it’s just that this time, they seem to be linked to the post-COVID ‘new normal’. You get to choose your investments but how do you know what's right for you? Learn more about the different types of super funds *Past performance is not an indicator of future performance. Due to rounding, excess return may not equate to the difference between option return and median return. On the other hand, if you hope to make higher returns, you’ll need to accept higher levels of risk. Choosing these options means you’ll need to be a little more hands-on with managing how your portfolio is allocated. Choose from our range of Pre-Mixed investment options, including sustainable options. Any advice on this website doesn’t take into account your objectives, financial situation or needs. Let's look at some common investment terminology and concepts. Explore each option in detail. It shows how defensive assets have lower levels of expected risk and lower potential returns, and growth assets have higher potential returns and higher expected risk. In particular, the Trustee may alter the strategic asset allocation or the composition of individual asset classes from time to time to suit prevailing market circumstances. We acknowledge the Traditional Owners of country throughout Australia and pay our respects to their Elders - past, present and emerging. This is because the allocations will change in line with the performance of each of those options and how you invest future contributions. Actual allocations will deviate from their targets, but are monitored so they're kept within the Trustee-approved tolerance range.

UniSuper overview. As an Accumulation 1, Accumulation 2 or Personal Account holder, you can choose your own investments. Your super can be one of the biggest investments you’ll ever make, so it's a good idea to understand how investing works and what your options are. We acknowledge the Traditional Owners of country throughout Australia and pay our respects to their Elders - past, present and emerging. What you can choose. With the Reserve Bank of Australia targeting a cash rate of 0.25%, a recent mini ‘bust’ in the tech sector and the price of gold hitting new highs, you might be wondering how your super fund can possibly find opportunities to invest and grow your life savings. Understand how switching your investments works. If you're new to investing, sometimes it can seem like it has a language all of its own. When you join UniSuper, your super is invested in our Balanced investment option by default. Explore each option in detail to see the risk level, expected frequency of negative returns and asset allocations. These are single asset classes that you can mix and match or combine with our Pre-Mixed options to build a diverse portfolio. Most UniSuper members get to decide how their super is invested. You get to decide how your money is invested—but how do you know which investment is right for you? The amount is usually expressed as a percentage per year, for example 5% per annum. Join Chief Investment Officer, John Pearce, as he discusses the current investment landscape. Most UniSuper members get to decide how their super is invested. Our seminars help you make the right choices for your investments. Any advice on this website doesn’t take into account your objectives, financial situation or needs. UniSuper is a Non public offer Industry fund. This is known as your risk profile. Open Onboarding Automatically We offer pre-mixed investments chosen by our experts, or you can build and manage your own portfolio with sector options. If you're in the Defined Benefit Division (DBD), you can choose your own investments for the accumulation component of your super. Define how you want your money invested by selecting your own mix from our range of Sector options. If you’ve never changed this it’s a good idea to check that it’s the right super investment mix for you. UniSuper has been a strong, long-term performer, according to Chant West, and is the only fund to be in the top 5 MySuper Growth options over each period from one to 15 years to March 2019. See for yourself how all our investment options have been performing. An asset is something that's held to produce a future economic benefit, such as income or capital gain. UniSuper's Global Environmental Opportunities option invests in companies that receive more than 20% of their revenues from addressing environmental issues across 5 themes - alternative energy, clean technology, water infrastructure and technologies, green buildings and … How you invest your super can play a big part in your retirement savings. If you don’t make an investment choice, your super will go into the Balanced (MySuper) option.

Responsible and sustainable investing As a responsible investor, we assess environmental, social and governance (ESG) factors across every investment we make, including climate risk management and human rights in the supply chain.

Learn more about your pension drawdown plan. When there’s more time to invest, you can better tolerate the short-term ups and downs associated with growth assets. If your UniSuper pension is invested in multiple options, you can choose which ones your pension payments and lump-sum withdrawals come out of. Average return figures are as at 1 October 2020. Some portion of the allocation to international investments may be hedged against currency movements. We acknowledge the Traditional Owners of country throughout Australia and pay our respects to their Elders - past, present and emerging. You have investment choice. * Balanced option return over 10 years (as at 30 Sep 2020), Winner of the Chant West award for Best Fund: Investments 2019, Five questions for the CIO - September 2020. This option invests in a diversified portfolio of largely defensive assets like fixed interest and cash, and some growth assets like shares, property, infrastructure and private equity.

An asset class describes similar types of investments that are grouped together under a particular name. When investing, it helps to understand how much risk you're prepared to accept in order to achieve the returns you want. When you’re ready for the next step, you can review your current investments and update them if needed. Pick an option you're comfortable with and let our fund managers do the work. Dive into the details about how we invest your money, our investment beliefs and strategies, major holdings and how we apply investment returns. UniSuper offers pre-mixed investments chosen by our experts, or you can build & manage your own portfolio with sector options. Average return figures are as at 1 October 2020. Leave it to us, manage it yourself, or do a bit of both. Super is usually something you invest in for the long term. With less time to invest, diversification becomes more important. Depending on the type of super you have, you can choose from pre-mixed options that we manage, or you can get hands-on and do it yourself. But don't worry, we're here to help. Super is usually something you invest in for the long term. Build your own portfolio with our Sector investment options.

As a responsible investor, we assess environmental, social and governance (ESG) factors across every investment we make, including climate risk management and human rights in the supply chain. Log in to your account to check how your super is invested. Objectives are not promises or predictions of any particular rate of return. Before choosing your investments, it’s worth taking the time to think about a few things first. This means short-term fluctuations in the value of your investments might not have such a big impact on your balance over time. If you don’t make a choice, we’ll invest your super in our Balanced investment option. Total investment fees and costs and transaction costs (%) Super: 0.39% | Pension: 0.30%. This means you’re more likely to enjoy their potential to provide higher long-term returns. Our investment choice calculator lets you test different combinations and see their potential mix of growth and defensive assets. The returns from these investments help your super balance grow over time.

Our fund managers will do the work, actively allocating and managing investments on your behalf. This graph shows the relationship between expected risk and potential returns of our investment options, including both Pre-Mixed and sector options.

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