How Your Super Is Invested

Investment Options

Pre-mixed

Balanced – Our default (MySuper) investment option
Investment overview

Balanced offers a significant exposure to growth assets (70%), including Australian and overseas shares, property and alternative assets (illiquid assets). The 30% allocation to defensive assets includes Australian and overseas fixed interest securities, alternative assets, hedge funds and cash.

Intended to be suitable for

Investors who have a 5–10 years investment time horizon and are seeking to achieve moderate returns over the long term by investing across a broad range of asset types, with higher exposure to growth assets.

Investment objectives

Return: Over rolling ten-year periods, having a 75% probability of achieving a member investment return after fees and taxes equivalent to CPI + 3.5% p.a.

Risk: The estimated chance that negative returns will occur in any financial year is less than 1 in 6.

Level of Investment Risk (Standard Risk Measure)

Risk band 5: Negative returns expected in 3.2 out of every 20 years.

Risk label: Medium to High

The Standard Risk Measure is an estimate of the expected number of negative annual returns over any 20-year period. It does not consider all forms of investment risk, and does not take into account administration fees and tax. You should be comfortable with the risks and potential losses of your chosen investment options. For more details, please see the product dashboard.

Recommended minimum investment timeframe

Medium to long (5-10 years).

balanced-option

High Growth
Investment overview

High Growth provides a high-growth-oriented investment strategy, with 93% invested in growth assets such as shares and 7% invested in defensive assets.

Intended to be suitable for

Investors who have a 10 years-plus investment time horizon and are prepared to accept high volatility to pursue potentially greater long-term returns by investing predominantly in growth assets.

Investment objectives

Return: Over rolling ten-year periods, having a 60% probability of achieving a member investment return after fees and taxes equivalent to CPI + 5% p.a.
Risk: The estimated chance that negative returns will occur in any financial year is less than 1 in 4.

Recommended minimum investment timeframe

Long (10+ years).

highgrowth-option

Growth
Investment overview

Growth provides a growth-oriented investment mix, with a 79.5% allocation to growth assets.

Intended to be suitable for

Investors who have a 10 years-plus investment time horizon and are prepared to accept high volatility to pursue potentially greater long-term returns with a substantially higher exposure to growth assets.

Investment objectives

Return: Over rolling ten-year periods, having a 65% probability of achieving a member investment return after fees and taxes equivalent to CPI + 4.5% p.a.
Risk: The estimated chance that negative returns will occur in any financial year is less than 1 in 5.

Recommended minimum investment timeframe

Long (10+ years).

growth-option

Stable
Investment overview

Stable aims to provide relatively steady returns, through a 60% allocation to defensive assets.

Intended to be suitable for

Investors who have a 1 to 5 years investment time horizon and are prepared to accept lower returns in exchange for experiencing a lower level of volatility, achieved by investing mainly in defensive assets with some exposure to growth assets.

Investment objectives

Return: Over rolling ten-year periods, having an 80% probability of achieving a member investment return after fees and taxes equivalent to CPI + 2.5% p.a.
Risk: The estimated chance that negative returns will occur in any financial year is less than 1 in 20.

Recommended minimum investment timeframe

Medium (1-5 years).

stable-option

Single Asset Class

Australian Shares
Investment overview

The Australian Shares sector option provides a high-growth-oriented investment strategy predominantly invested in Australian shares.

Intended to be suitable for

Investors seeking higher returns over the long term (minimum 10+ years), through exposure to the Australian share market.

Investment objectives

Return: Over rolling ten-year periods, having a 55% probability of achieving a member investment return after fees and taxes equivalent to CPI + 5% p.a.
Risk: The estimated chance that negative returns will occur in any financial year is less than 1 in 3.

Recommended minimum investment timeframe

Long (10+ years)

aus-shares-option

Overseas Shares
Investment overview

The Overseas Shares sector option provides a high-growth-oriented investment strategy predominantly invested in overseas shares.

Intended to be suitable for

Investors seeking higher returns over the long term (minimum 10+ years), through exposure to the global share market.

Investment objectives

Return: Over rolling ten-year periods, having a 50% probability of achieving a member investment return after fees and taxes equivalent to CPI + 5% p.a.
Risk: The estimated chance that negative returns will occur in any financial year is less than 1 in 3.

Recommended minimum investment timeframe

Long (10+ years)

overseas-option

Sustainable Future Shares
Investment overview

The Sustainable Future Shares sector option provides a high-growth-oriented investment strategy predominantly invested in Socially Responsible Australian shares.*

Intended to be suitable for

Investors seeking higher returns over the long term (minimum 10+ years), through exposure to Socially Responsible Australian shares.

Investment objectives

Return: Over rolling ten-year periods, having a 55% probability of achieving a member investment return after fees and taxes equivalent to CPI + 5% p.a.
Risk: The estimated chance that negative returns will occur in any financial year is less than 1 in 3.

Recommended minimum investment timeframe

Long (10+ years)

sustain-option

Property
Investment overview

The Property sector option provides a growth-oriented investment strategy predominantly invested in property.

Intended to be suitable for

Investors seeking moderate investment returns over the medium to long term (minimum 5-10 years) through exposure to property and property related securities.

Investment objectives

Return: Over rolling ten-year periods, having a 60% probability of achieving a member investment return after fees and taxes equivalent to CPI + 3.5% p.a.
Risk: The estimated chance that negative returns will occur in any financial year is less than 1 in 4.

Recommended minimum investment timeframe

Medium to long (5-10 years)

property-option

Fixed Interest
Investment overview

The Fixed Interest sector option provides a conservative investment strategy predominantly invested in fixed interest.

Intended to be suitable for

Investors seeking an income-based return above inflation and cash over the medium-term (1-5 years) through exposure to Australian and global fixed interest markets.

Investment objectives

Return: Over rolling five-year periods, having a 65% probability of achieving a member investment return after fees and taxes equivalent to CPI + 2% p.a.
Risk: The estimated chance that negative returns will occur in any financial year is less than 1 in 20.

Recommended minimum investment timeframe

Medium (1-5 years)

fixed-interest-option

Cash
Investment overview

The Cash sector option aims at providing capital preservation and secure investment returns through a 100% investment in cash.

Intended to be suitable for

Investors seeking stable returns over the short term (0-1 year) through a 100% investment in cash.

Investment objectives

Return: Over rolling two-year periods, having a 90% probability of achieving a member investment return after fees and taxes equivalent to CPI + 1% p.a.
Risk: The estimated chance that negative returns will occur in any financial year is negligible.

Recommended minimum investment timeframe

Short (0-1 year)

cash-option

Investment holdings

Approximate underlying assets held by Media Super as at 30 June 2014.

Total Fund Top 10 Assets
total-fund--top-10-assets
Top 20 Australian Shares Holdings
top-20-australian-shares-holdings
Top 10 Overseas Shares Holdings
top-10-overseas-shares-holdings
Top 10 Direct Property Holdings
top-10-direct-property-holdings
Top 10 Listed Property Holdings
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Top 10 Infrastructure Holdings
top-10-infrastructure-holdings

More Investment information

Investment policy
The Fund’s investments are managed with a view to ensuring that the Fund will have sufficient liquidity to meet expected cash flow requirements.
The higher returns expected on shares and property assets will be sought by orientating investments towards these assets. Investment risk will be limited by appropriate diversification, both within and between asset classes.

A depressed investment environment may lead to a negative return on investments in any particular year. This could result in the value of members’ accounts falling in any particular year.

The Trustee does not invest directly in derivatives. However, the Trustee does permit investment managers to use futures, options and other derivative instruments to assist with the effective management of the Fund’s assets.

This includes using these instruments for the purpose of rebalancing to the investment options’ respective strategic asset allocations and to provide currency hedging on international investment holdings within the Fund. The Trustee does not allow these instruments to be used to gear the Fund’s portfolio.

The Trustee expects that, over the long term, the use of these instruments will enhance the returns on the Fund’s assets. Over shorter periods, the effect on investment returns is expected to vary from year to year.

The Fund’s interest in any externally managed pooled fund shall not exceed 10% of the assets of that pool, unless a larger investment is specifically authorised by the Trustee.

No more than 20% of the Fund’s assets will be managed by any one external fund manager, unless specifically authorised by the Trustee.

Who manages your money?
who-manages-your-moneyAllocations may include liquidity that is not yet invested.

Note: exact breakdowns may vary slightly due to rounding.