Income Stream investment options
Cash Savings | Conservative | Growth (Cbus Choice) | High Growth | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Risk/return | Temp 2 | Temp 3 | Temp 4 | Temp 5 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Risk level | Very low | Low | Medium | High | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Risk band | 1 | 2 | 4 | 6 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Objectives | Deliver an after tax return of inflation plus:1.5% a year over rolling five year periods | Deliver an after tax return of inflation plus:2.5% a year over rolling five year periods | Deliver an after tax return of inflation plus:3.75% a year over rolling five year periods | Deliver an after tax return of inflation plus:4% a year over rolling 12 year periods | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| | Likelihood of negative annual returns:Negligible in 20 years | Likelihood of negative annual returns:Less than 1 in 20 years | Likelihood of negative annual returns:2.5 in 20 years | Likelihood of negative annual returns:4 in 20 years | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Asset range and strategic asset mix | Pie 2
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| Pie 5
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Past Performance | Investment return (crediting rate) % (p.a.) after taxes and fees.view details » | Investment return (crediting rate) % (p.a.) after taxes and fees.view details » | Investment return (crediting rate) % (p.a.) after taxes and fees.view details » | Investment return (crediting rate) % (p.a.) after taxes and fees.view details » | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Average Return since inception (p.a)1 | 4.4% (1/7/2009) | 7.9% (1/7/2009) | 9.8% (1/7/2009) | 11.3% (1/7/2009) | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| For all investment option objectives: Cbus expects all investment options to achieve their targeted after tax returns 75 per cent of the time. | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 1Average returns are to the period ending 30 June 2011.
Risk Level: The Risk Level is based on an industry wide Standard Risk Measure, which relates to the number of expected negative annual returns over a 20 year period. Risk band: The Standard Risk Measure ranges across seven risk bands, from 1 (very low risk) to 7 (very high risk). The Standard Risk Measure is not a complete assessment of all forms of investment risk. The Standard Risk Measure is based on industry guidance to allow members to compare investment options that are expected to deliver a similar number of negative annual returns over any 20 year period. The Standard Risk Measure is a not a complete assessment of all forms of investment risk, for instance it does not detail what the size of a negative return could be or the potential for a positive return to be less than a member may require to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return. Members should still ensure they are comfortable with the risks and potential losses associated with their chosen investment option/s. For more information about the Standard Risk Measure, go to www.cbussuper.com.au/risk
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