How are investments calculated?

How it works

The unit price of each NGS Super investment option is determined by the value of all the assets held by that investment option. The value of those assets typically move up and down, affecting the unit price accordingly.

For example

Jill decides to allocate $20,000 of her super balance to the Shares Plus investment option. At the time she makes her allocation, the units are valued at $2.00 each, so her $20,000 buys her 10,000 units. 6 months later she decides to allocate an additional $20,000 to the Shares Plus option. Now, however, because the value of the assets held by that investment option have increased, the unit price is $2.50 each, so Jill’s additional $20,000 now buys her 8,000 units. Jill now owns 18,000 units in the Shares Plus investment option, with a total value of $45,000.

How and when unit prices are struck

Our unit prices based are normally determined weekly, at the close of business each Friday. The value of all the assets at that time is calculated over the next few days and then posted on our website usually on the following Wednesday. The timing is subject to the availability of investment valuations and our validation of these details.

These unit prices will be used for all employer and employee contributions (and rollovers into the Fund) received from Monday to Friday of that week. Withdrawals from the Fund are calculated using unit prices available at the time the withdrawal is finalised. This timetable may be changed or suspended by the Trustee. This would generally only occur in the event of abnormal circumstances such as a sudden major move in investment markets or during periods of limited availability of data such as the end of the calendar year.

How to decide which options to invest in and how much to allocate to each option?

Knowing how unit pricing works is one thing; knowing the right level of investment risk to assume, which investment options to select and how much to put in each is another matter entirely. That’s why so many of our members come to us for professional advice on this.

To make an appointment to talk to an NGS financial planner or receive free single-issue phone advice, please call 1300 133 177 between 8am and 8pm (AEST/AEDT) Monday to Friday.

Important information

Please note that Indices (such as the Dow, FTSE, Nikkei, All Ords et al) are not the basis of the valuation of our unit prices. NGS Super uses active and passive managers.

Active investment management means that our professional investment managers are making judgments about market movements and acting on those judgments by buying or selling parts of the investment portfolio across a range of asset classes. This provides investment managers with the opportunity to use their judgment to out-perform the market which is often referred to as ‘the index’.

In contrast, passive investment management relies only on market movements for returns and aims to achieve a return that replicates the average market return for a particular index, such as the ASX300. This means that a passive manager is not making the same sorts of decisions about timing or selection of investments as an active manager. A passive manager simply mirrors the weightings of the companies in a selected index.

It is also important to note that many of the NGS Super investment options include asset classes other than shares which is another reason that the NGS investment options will not follow the index.

Do you need more information?

For more information, please visit our Product Disclosure Statements & Factsheets page or call 1300 133 177 to speak to an NGS Super representative.

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