Balanced is Club Super’s balanced and diversified investment option for Income Stream accounts. It is also our default investment option which means your super will be automatically invested in the Balanced investment option should you not make an investment choice.
When choosing investment options you can nominate one investment option or a mix of different options which can be applied to your existing account balance.
To achieve a rate of return equivalent to CPI + 3% p.a. over rolling 10 year periods (after fees and tax).
Investment period 3-5 years
Estimated number of negative annual returns is 4.1 over any 20 year period.*
|30 June 2017
|30 June 2016||2.58%|
|30 June 2015||9.94%|
|30 June 2014||14.65%|
|30 June 2006||18.41%|
|Retirement Income Account 5 year average^||11.56%|
|Retirement Income Account 10 year average^||4.82%|
|Transition to Retirement Account 5 year average#||N/A|
|Transition to Retirement Account 10 year average#||N/A|
Are you unsure which investment options are right for you in retirement?
Deciding which option/s is right for your retirement savings is a personal decision that depends on factors such as your tolerance to risk, and how long you are investing for. It’s important to remember that even in retirement your super is a long-term investment, with your funds often needing to last 20 years or more.
We offer a range of tools and calculators which will assist you in determining what your risk appetite is and which investment options are right for you. Alternatively, you can make an appointment with Club Super Financial Planning by calling the Club Super Contact Centre on 1300 369 330. Club Super Financial Planning are able to assist you with a full spectrum of advice across both superannuation and non-superannuation issues.+
Fees and other costs
Club Income Stream PDS 1488.6 KB PDFDownload
Change to Member Investment Choice (Income Stream) 84.12 KB PDFDownload
Past performance is not necessarily an indication of future performance.
Option available from 01/07/2004.
* The standard risk measure is based on industry guidance to allow members to compare investment options that are expected to deliver a similar number of negative annual returns over any 20 year period. The standard risk measure is not a complete assessment of all forms of investment risk, for instance it does not detail what the size of a negative return could be or the potential for a positive return to not be sufficient for a member to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return.
**The International Shares exposure has a benchmark hedging level of 25% however, the actual hedging level will vary from time to time at the discretion of the Trustee.
^ The average crediting rates are calculated for the 5 or 10 year period to 30 June 2017 (or shorter period where the option has not been available for that period). “Average” is the compound average effective rate of net earnings of the investment option over the period.
# The TTR Balanced option (subject to tax on earnings) was newly established at that time, so has no return history.
+ Fees may be charged for the provision of personal advice, but where the advice relates to your superannuation, these costs may be deducted from your superannuation account. All fees will be explained to you in detail prior to any advice being given and there are no ongoing commissions as Club Super Financial Planning work on a fee-for-service basis.
Club Super Financial Planning advice is provided by My Super Future Pty Ltd (ABN 38 122 977 888) Australian Financial Services Licensee (AFSL no. 411440). The Trustee is not responsible for, and does not accept liability for the products or services or actions of My Super Future Pty Ltd. You should use your own judgment before taking up any product or service offered by My Super Future Pty Ltd.