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Investment objectives

The investment objective of each investment option is summarised below

Each investment option has been allocated a time horizon. This is the minimum time for which we believe it is advisable to remain invested in the investment option to ensure that the return received is likely to provide a fair reward for the investment risk assumed. 

  Risk Overview Asset Allocation Investment objectives Time Horizon
Conservative Low -medium For members who value security over returns. This option invests primarily in defensive assets with the aim of protecting the value of a member's net investment.

To outperform (after tax and investment expenses) CPI by at least 3% per annum over the medium term.

To limit the likelihood of a negative return to approximately 1 in 10 years.

 3 or more years.
Default Medium - high

For members who want moderate to high returns over the medium to long-term and are prepared to accept some fluctuation in returns over the short-term.

This option invests in a diversified range of investments.

To outperform (after tax and investment expenses) CPI by at least 4% over the medium term.

To limit the likelihood of a negative return to approximately 1 in 7 years.

 5 or more years.
Managed Growth* Medium - high

For members who want moderate to high returns over the medium to long-term and are prepared to accept some fluctuation in returns over the short-term.

This option has a higher exposure to alternative investments including infrastructure and property investments than the Default option.

To outperform (after tax and investment expenses) CPI by at least 5% over the medium term.

To limit the likelihood of a negative return to approximately 1 in 5 years.

 6 or more years.
Target Return Medium - high For members who want strong returns over the long-term. This option invests primarily in unlisted assets and as such investment performance is not expected to closely follow listed equity markets.

To outperform (after tax and investment expenses) CPI by 7% over the long-term.

To limit the likelihood of a negative return to approximately 1 in 5 years.

 6 or more years.
Cash Low For members who place the security of their assets over returns. This option invests solely in low risk fixed interest securities and is expected to produce returns that are moderately higher than inflation. To match the UBS Australian Bank Bill Index. Any time period.
Fixed Interest Low - medium For members who seek moderate returns for a low level of risk. Losses however are still likely to occur over some periods. To achieve a rate of return (after tax and investment expenses) broadly in line with major Australian and International Bond Indices. 1 or more years.
Property Medium - high

For members who have a preference for seeking moderate to high returns through investing in property.

Investment is through listed and unlisted property vehicles.

 To outperform (after tax and investment expenses) CPI by at least 6% over the long-term.
 6 or more years.
Australian Equities High

For members who want strong returns over the long-term and are prepared to accept a higher level of risk to achieve this.

This option invests in Australian listed companies and returns are expected to vary significantly year to year.

 To achieve a return (before tax and investment expenses) broadly in line with the ASX 300 Accumulation Index. 7 or more years.
International Equities High

For members who want strong returns over the long-term and are prepared to accept a higher level of risk to achieve this.

This option invests in International listed companies and returns are expected to vary significantly year to year.

 To receive a pre-hedged return (before tax and investment expenses) broadly in line with the MSCI World Index. 7 or more years.
*The Managed Growth investment option has a higher investment return objective, despite having exposure to less growth assets than the Default option. This is due to differences in asset allocations. The Managed Growth option has a higher weighting to Target Return Portfolio assets (which includes some defensive assets) and a lower weighting to Australian and International Equities when compared to the Default option. The higher exposure to Target Return Portfolio assets brings with it a higher return expectation while the lower weighting to listed equities reduces volatility.

Important Notice

The advice contained on the Prime Super website does not take into account your particular objectives, needs or financial situation. Before making a decision regarding the acquisition or disposal of a financial product, you should assess whether the advice is appropriate to your objectives, needs or financial situation. You may wish to make this assessment yourself or seek the help of an adviser. Prime Super takes no responsibility for you acting on the information provided. Any decision that you make is at your own risk. Before acquiring a financial product you should obtain a Product Disclosure Statement (PDS) relating to that product and consider the contents of the PDS before making a decision about whether to acquire the product.

Issued by the Trustee: Prime Super Pty Ltd ABN 81 067 241 016 AFSL No. 219723 RSE Licence No. L0000277 Prime Super ABN 60 562 335 823; RN 1000276