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ANZ Smart Choice Super report: March 2019


Published 10 May 2019

Strong returns for our Smart Choice Super members

 

ANZ Smart Choice Super lifestage investment options’ performance (%)

Investment Option

3 months

1 year

3 years (p.a)

5 years (p.a.)

1940s

5.01

7.07

4.83

4.66

1950s

5.67

7.45

6.10

5.82

1960s

7.48

8.24

7.80

6.87

1970s

8.72

8.85

9.12

7.66

1980s

9.31

9.16

9.76

8.10

1990s

9.39

9.22

9.92

8.18

2000s

9.14

8.88


Note: Returns quoted use the unit price which is calculated using the net asset values for the relevant month end. Please note that all returns are after the deduction of investment fees. Reporting data is to March 29, 2019 (p.a. = per annum). Past performance is not a reliable indicator of future performance. (The inception of the 2000s fund was on February 18, 2017 so there is no performance data available for three and five years.)

 

 

Strong share market performance through the first three months of 2019 have resulted in continued positive returns for Smart Choice Super investments.

In the table above you can see your investment option (based on your decade of birth) and how it’s performed so far this year, in the past 12 months, and over the past three and five years. You can see that the gains for all lifestage options have been significant, recently and in the long term.

The reason for the strong performance? Sharemarkets – where most superannuation money is invested – recovered from their correction late last year. You can read more about what happened in markets here.

ANZ’s Chief Investment Officer, Mark Rider, said: “We’re really pleased with the results we’re getting for our members, especially when all funds are delivering robust returns over the long term. While we do see challenges ahead, and potential uncertainty around the upcoming federal election, the fundamentals of our investment strategy are designed to navigate the ups and downs of the investment cycle.”

ANZ’s investment philosophy is a dynamic lifestage approach that takes into consideration your age and time to retirement to build you a premixed portfolio of well-diversified investment assets, including Australian shares (including some of Australia’s best run and best performing companies), international shares (from some of the world’s largest companies such as Google, Amazon, Microsoft etc), as well as cash, property and fixed interest securities. We then manage your investment carefully over your life time.

A quick explanation on the returnsYounger members recorded higher gains because they are more heavily invested in ‘growth assets’ such as shares. These assets tend to reap the highest returns, but investors can lose out if the market dives. Unlike older people, they have time to recover and keep building their investments, so ‘growth assets’ are generally the best strategy for them.

Our ANZ Smart Choice Super – smart investments tool is easy to use and explains how you are invested over time.

ANZ Smart Choice Super choose your own investment mix performance (%)

Investment Option

3 months

1 year

3 years (p.a)

5 years (p.a.)

Cash

0.34

1.37

1.43

1.70

Conservative

4.11

6.00

4.26

4.21

Moderate

5.88

7.50

6.33

5.99

Growth

7.65

8.23

8.33

7.21

Australian equities

10.04

11.39

10.87

7.33

International equities (hedged)

11.20

5.74

10.67

8.50

Global property

12.57

14.67

5.50

8.64

Global fixed interest

2.46

3.54

2.35

3.77

Australian fixed interest

2.82

5.49

Global smaller companies

11.23

5.83

11.84

International equities (unhedged)

10.35

11.14

12.23


Note: Returns quoted use the unit price which is calculated using the net asset values for the relevant month end. All returns are after the deduction of investment fees. Reporting data is to March 29, 2019 (p.a. = per annum). Past performance is not a reliable indicator of future performance. Note the ‘Australian fixed income’ fund’s inception was on February 18, 2017 and therefore the three and five-year performance data is not available. Similarly, ‘international equities (unhedged)’ and the ‘global smaller companies’ started on May 25, 2015 so the five-year performance data is not available. The ‘global small companies’ investment option is not available to members of ANZ Smart Choice Super and Pension.

 

Those members of ANZ Smart Choice Super that choose their own investment mix reaped positive results across all options, with ‘growth assets’ showing much higher gains than ‘defensives’ ones, as you can see in the table above.

Sharemarket investments, in companies and property, performed really well. You can read more about why that happened here.

Members of ANZ Smart Choice Super for employers and their employees can access the latest returns across the full suite of investment choices (PDF 111kB) online or by visiting the ‘Investment portfolio’ page via their ANZ Smart Choice Super account in ANZ Internet Banking.

(Note: The above investment returns are not applicable to QBE members. These members can access their individual returns via ANZ Internet Banking.)

How is your super tracking?

  1. Check your super balance by logging onto ANZ Internet Banking > click on super
  2. Learn more about taking care of your super and future
  3. Check out how three people, across the generations, went through a super makeover.

 

Talk to us about superannuation

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Smart Choice Super performance

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As the global economy slows the sharemarket should be viewed with increasing caution.

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Returns have been boosted by positive sharemarkets in the past 12 months.

OnePath Custodians Pty Limited (OnePath Custodians) ABN 12 008 508 496, AFSL 238346, RSE L0000673 is the trustee of the Retirement Portfolio Service (ABN 61 808 189 263, RSE R1000986) (Fund) and issuer of the interests in “ANZ Smart Choice Super”, a suite of products consisting of ANZ Smart Choice Super, ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees.

ANZ Smart Choice Super is issued by OnePath Custodians and distributed by Australia and New Zealand Banking Group Limited (ANZ) 11 005 357 522. ANZ is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). OnePath Custodians is the issuer of this product but is not a Bank. Except as described in the relevant Product Disclosure Statement, the obligations of OnePath Custodians are not deposits or liabilities of ANZ or its related group companies. None of them stands behind or guarantees the issuer or the capital or performance of any investment. Such investment is subject to investment risk, including possible repayment delays and loss of income and principal invested. Returns can go up and down. Past performance is not indicative of future performance.

This information is subject to change. You should read the relevant Financial Services Guide (FSG), PDS, product and other updates (for open and closed products) available at ANZ.com.au/super and consider whether the product is right for you before making a decision to acquire, or to continue to hold the product. Updated information will be available free of charge by calling Customer Services on 133 665.

Taxation law is complex and this information has been prepared as a guide only and does not represent tax advice. Please see your tax adviser for independent taxation advice.

The information on insurance cover is a summary only of the terms and conditions applying to the insurance cover. To the extent there is any inconsistency with the terms of the insurance cover provided by the insurer, the terms of the insurance policy will prevail.

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