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