Moderate Growth (pension default)

What is it?

The Moderate Growth option is the default investment option for the pension product and is only available to pension members. This option includes most of the asset classes that NGS Super uses but has a higher weighting to investments in assets with the potential for medium to long-term growth, such as shares, infrastructure and property and assets that provide greater levels of liquidity to meet the income needs during retirement.

Investment return to 31 December 2011
1 month	-0.32%
3 months	1.88%
Financial year to date	-4.46%
1 year	-2.47% pa
3 years	N/A
5 years	N/A
7 years	N/A
10 years	N/A

The above table shows the net return after investment fees, tax and the asset-based fee.

Click for detailed unit prices

Asset allocation
	Benchmark	Range
Australian Shares	33%	25-45%
International Shares	21%	15-35%
Property (Growth)	4%	0-10%
Growth Alternatives	0%	0-10%
Infrastructure	5%	0-10%
Total Growth Assets	63%	50-80%
Australian Fixed Interest	10%	0-25%
Global Fixed Interest	16%	0-25%
Property (Income)	6%	0-10%
Cash	5%	0-25%
Total Defensive Assets	37%	20-50%
Foreign Currency	10%	0-25%

How it works

Investment performance objective
Target = CPI + 3%
To achieve a return of 3% above inflation per annum over rolling 5 year periods.

Investment time frame
Medium to long-term, 5 years +. If you would like to earn a moderate to high level of capital growth over the medium to longer term and you intend to draw down capital on a regular basis to meet your retirement needs, this could be suitable.

Risk profile
Medium to high risk. Likelihood of a negative return in any year is approximately 1 in 5.

Date introduced
January 2010

Produced by Spark Green

Super Ratings

This website is provided by NGS Super Pty Limited ABN 46 003 491 487 AFSL No 233 154 the Trustee of NGS Super ABN 73 549 180 515