Investment options

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

	Sustainable Australian Shares	High Growth	Defined Benefit Strategy	Growth
Objective	3.5% above CPI	3.5% above CPI	Nominal return of at least 6.5%	3.0% above CPI
Time Horizon	7 years	7 years	5 years	5 years
Risk Profile	High	Medium to High	As this is a defined benefit scheme any downside risk is effectively underwritten by the Employers.	High/Medium
Availability	Only Accumulation Scheme and Account-Based Pension Plan	Excludes Defined Benefit Scheme	Only Defined Benefit Scheme	Only Retirement Scheme
Summary	For high long-term investment growth above the Consumer Price Index (CPI) rate over the longer term.	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.
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	Balanced Growth	Balanced	Conservative	Cash
Objective	3.0% above CPI	2.0% above CPI	1.5% above CPI	0.25% above 'cash'*
Time Horizon	5 years	3 years	2 years	2 years
Risk Profile	Medium to High	Medium	Low	Very Low
Availability	Excludes the Defined Benefit Scheme	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 to long-term	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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* Note that each objective aims to return in excess of the cash rate. The benchmark for the cash rate is the UBS bank bill index.