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Investment Options

What best suits me?

When deciding your investment option, consider the following:

  • How many years is it before you retire?
  • What is the current economic climate and how will that affect this option’s rate of risk?
  • What does your financial advisor recommend?
  • Which option will best allow you to achieve your personal and financial goals?

Each investment option has different time frames, histories of return and allocations – finding the one that best suits you, with a risk/return balance that you are comfortable with, is the first step towards a future you can look forward to.

Whichever option you decide on, you can be assured that your superannuation contributions will be invested ethically and in a way that reflects a biblical view of stewardship.

Christian Super offers 5 investment options, all with ethical screening and all with varied rates of risk and return:

Performance Table
Option Ethical Shares Ethical Growth Ethical Balanced Ethical Stable Ethical Cash
Growth Assets / Defensive Assets Split
  100/0 67/33 50/50 30/70 0/100
Suitable Time Horizon
At least 10 years 5 years 3 years 3 years Under 3 years
Probability of a negative return
  1 in 4 years 1 in 6 years 1 in 8 years 1 in 19 years Very unlikely
Objectives
Excess Return over CPI over a 5 year period 4% p.a. 3.5% p.a. 3.0% p.a. 2.5% p.a. Bank Rate
Detailed Asset Allocation
Australian Shares 48% 35% 25% 14% 0%
International Shares 48% 25% 17% 10% 0%
Growth Property 0% 4% 3% 2% 0%
Growth Alternatives 4% 6% 4% 3% 0%
Fixed Interest 0% 22% 41% 59% 0%
Defensive Property 0% 3% 3% 2% 0%
Defensive Alternatives 0% 5% 7% 10% 0%
Cash 0% 0% 0% 0% 100%
Management Expense Ratio (Investment Fee % p.a.)
  0.80%# 0.75%# 0.70%# 0.65%# 0.35%#

#Additional performance based fees may apply (Please refer to Fees and other charges)