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Your eSuper Account
 

Investment options

With a Health Super accumulation account or pension account, you have a choice of six investment options, five Standard investment options and one Socially Responsible Investment (SRI) option.

Standard options SRI options
Long-Term Growth Medium-Term Growth SRI
Medium-Term Growth  
Balanced  
Short-Term Conservative  
Stopover  

More information about the SRI option can be found on the Socially Responsible Investment page.

Standard options

Health Super invests to maximise investment returns by diversifying its investments across a range of asset classes, underlying investment managers and industry sectors.

Objectives of our investment options

The investment objectives and other characteristics (including risk profile) of each investment option is outlined below and in the Investment Guide.

Please note that the investment objectives relating to the Standard Medium-Term Growth and SRI Medium-Term Growth option are the same (although the strategy for achieving them may differ).

While the objectives for each of the investment options are expected to be achieved with reasonable probability over the rolling periods shown, the objectives are not a promise or guarantee of any particular return or benefit.

Annual returns may be volatile and negative returns may occur in any one or number of years. The expectation of negative returns has been determined over a number of years. Each of our investment options are invested in a mix of different assets and underlying managers with varying risk/return characteristics. This influences the level of risk and return shown for each option.

Asset allocations are reviewed formally at least once a year and the Trustee and its investment advisers constantly monitor our investments throughout the year. 

Long-Term Growth (Only available as a Standard option)

  • Higher level of risk
  • Aims to achieve a return that exceeds inflation by 5.0% p.a. measured over rolling 5 year periods
  • Has an expectation of a negative return 1 year in 5
  • Has an investment period/horizon of 7 years or more
  • Has the following benchmark asset allocation ranges

          Long-Term Growth asset allocation         

Medium-Term Growth (Standard and SRI available)

  • High to medium level of risk
  • Aims to achieve a return that exceeds inflation by 4.0% p.a. measured over rolling 5 year periods
  • Has an expectation of a negative return 1 year in 7
  • Has an investment period/horizon of 5 years or more
  • Has the following benchmark asset allocation ranges.

          Medium-Term Growth asset allocation         

Balanced (Only available as a standard option)

  • Medium level of risk
  • Aims to achieve a return that exceeds inflation by 3.5% p.a. measured over rolling 5 year periods
  • Has an expectation of a negative return 1 year in 10
  • Has an investment period/horizon of 5 years or more
  • Has the following benchmark asset allocation ranges.

          Balanced asset allocation         

Short-Term Conservative (Only available as a standard option)

  • Medium to low level of risk
  • Aims to achieve a return that exceeds inflation by 2.5% p.a. measured over rolling 3 year periods
  • Has an expectation of a negative return 1 year in 20
  • Has an investment period/horizon of 3 years or more
  • Has the following benchmark asset allocation ranges.

          Short-Term Conservative asset allocation         

Stopover (only available as a Standard option)

  • Lower level of risk
  • Aims to achieve a return that exceeds inflation by 1.0% p.a. measured over rolling 3 year periods
  • Has a negligible expectation of any negative returns
  • Has an investment period/horizon of up to 3 years
  • Has the following benchmark asset allocation ranges.

          Stopover Asset Allocation         

 

For more information about the Investment options refer to the Health Super Accumulation Product Disclosure Statement (PDS) and Investment Guide.

This website is provided by FSS Trustee Corporation ABN 11 118 202 672 AFSL 293340 as Trustee of the First State Superannuation Scheme ABN 53 226 460 365 of which Health Super is a division (Health Super). The website content is of a general nature only and does not take into account your personal objectives, situation or needs. Before making a decision about a Health Super product or service, you should read the Health Super Product Disclosure Statement (PDS) which is available on this website or by calling 1800 331 719. Some products and services offered on this website are provided by third parties. The Trustee is not responsible for the products or services, views or actions of these third parties. Terms and conditions may apply which should be obtained from the third parties direct. The Trustee does not accept liability if loss or damage is incurred from the acquisition of third party products or services.

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