MySuper is Club Super’s balanced investment option for Accumulation accounts. Your super will be automatically placed in the MySuper investment option by default if you don’t make an investment choice.
MySuper is invested across a mix of asset classes with a preference towards growth assets opposed to defensive assets.
If you are a medium to long-term investor wanting exposure to growth assets, MySuper may be the right option for you. It is important to remember that any investment option could experience negative returns, especially in the short-term and during periods of market instability.
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 and your future contributions and rollovers from other funds, or
- you can make a separate nomination for each.
If you don’t make an investment choice, both your existing account balance and future contributions will be invested in the default Club MySuper option.
To achieve a rate of return equivalent to CPI + 3% p.a. over rolling 10 year periods (after fees and tax).
Investment period At least 5 years
Risk Med - High
Estimated number of negative annual returns is 3.9 over any 20 year period.#
|30 June 2018||9.18%|
|30 June 2017
|30 June 2016||2.40%|
|30 June 2015||9.12%|
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
Additional Information - Fees and costs 185.03 KB PDFDownload
Change to Member Investment Choice 85.48 KB PDFDownload
Past performance is not necessarily an indication of future performance.
On 1 September 2013, Club Super renamed the Balanced investment option to “Club MySuper”. Due to regulatory requirements, these are considered separate products, even though the investment objective and strategy were unchanged. As a result, Club Super is unable to combine the returns of the two products to display long term investment returns. The crediting rate from 1 September 2013 to 30 June 2014 was 8.93%.
# 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 2018 (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.
+ 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.