Investment options

Whilst many superannuation funds dictate the manner in which your contributions are to be invested, LGS gives you the choice.

	High Growth	Defined Benefit Strategy	Growth	Balanced Growth
Objective	3.5% above CPI	Nominal return of at least 5.75%	3.0% above CPI	3.0% above CPI
Time Horizon	7 years	5 years	5 years	5 years
Risk Profile	High	As this is a defined benefit scheme any downside risk is effectively underwritten by the Employers.	Medium to High	Medium to High
Availability	Excludes Defined Benefit Scheme	Only Defined Benefit Scheme	Only Retirement Scheme	Excludes the Defined Benefit Scheme
Summary	For high investment growth above the Consumer Price Index (CPI) rate over the longer term.	For real investment growth over the medium to long-term.	For real investment growth above the Consumer Price Index (CPI) over the medium to long-term.	For real investment growth above the Consumer Price Index (CPI) over the medium to long-term
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	Balanced	Conservative	Managed Cash
Objective	2.0% above CPI	1.5% above CPI	0.20% above 'cash'* rate
Time Horizon	3 years	2 years	2 years
Risk Profile	Medium	Low	Very Low
Availability	Excludes the Defined Benefit Scheme	Excludes the Defined Benefit Scheme	Excludes the Defined Benefit Scheme
Summary	For real investment growth above the Consumer Price Index (CPI) over the medium term.	For shorter term investing with good security and some potential for growth.	For investors who want exposure to investments in money market securities with a very low risk of capital loss.
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* The benchmark for the cash rate is the Bloomberg AusBond Bank Bill Index.