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How we invest your money


Published 17 August 2016

ANZ’s chief investment office focuses on the long-term but takes advantage of the short term to maximise your superannuation returns.

To help grow your retirement nest egg over time, ANZ chief investment office can invest your funds in a mix of assets that it adjusts as you age.

The chief investment office (CIO) is a team of investment professionals that draw on a wealth of global resources including independent experts, to set long-term strategic asset allocations, construct investment portfolios, manage risks and take advantage of short-term opportunities.

The investment philosophy is simple, but proven:

  • the long-term investor will outperform the short-term investor
  • diversification across asset classes is the key to managing return and risk
  • market inefficiencies can present opportunities
  • investment management should be both simple and transparent
  • investments must be well governed, which is critical to their efficient management.

The long-term investor will outperform the short-term investor.

The majority of ANZ Smart Choice Super members are entered into a ‘lifestage investment option’ by default. For each decade-long stage, a mix of investments are selected based on that age grouping, which is adjusted to reduce risk as you get older.

For example, investors in the 1980s fund (people born between 1980 and 1989) have decades until retirement. Their money is invested mainly in riskier and potentially higher performing asset classes such as shares and property. (A higher level of risk can generally be managed here, as these investors generally have a longer time to balance out any negative performance.)

As they age, the super investments of those born in the 80s (or any other decade) will become more ‘defensive’ so they’re more protected: this investment strategy is designed to grow savings and minimise risks to help you fulfil your retirement goals. 

It’s this strategic asset allocation along a sliding scale of risk that does most of the “heavy lifting” in terms of returns and maintains ANZ Smart Choice Super fund performance.

How your investments are managed

1) Choosing a strategic asset allocation

The performance of any investment portfolio is largely determined by what it is invested in – shares, property trusts, fixed income (bonds) and cash.

For every type of portfolio, ANZ sets a “strategic asset allocation” – a long-term mix of assets to deliver a specific objective for investors over the long term.

2) Making changes to the asset mix

The chief investment office monitors the economy and market to determine if there is a need to protect an investment or take advantage of market opportunities when value can be added.

While the office isn’t distracted by short-term returns at the expense of longer-term objectives, subtle shifts can add value to your retirement savings.

3) Working with investment managers

The chief investment office also engages leading fund managers, such as Vanguard. Vanguard is an experienced index manager with sophisticated trading capabilities, strong risk management, and a global scale.

For more information on how ANZ invests, watch our investment philosophy video below.

Talk to us about superannuation

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Mon-Fri 8am to 7pm (AEST) 

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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.

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The information provided is of a general nature and does not take into account your personal needs, financial circumstances or objectives. Before acting on this information, you should consider the appropriateness of the information, having regard to your needs, financial circumstances or objectives. The case studies used in this article are hypothetical and are not meant to illustrate the circumstances of any particular individual. Opinions expressed in this document are those of the authors only.

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