This table will help you compare each pre-mixed option on the basis of key characteristics to see which option best suits you.
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Capital Stable |
Conservative Balanced |
Balanced (default) |
Shares Plus |
| Investment objectives and strategies |
Achieve positive returns (after fees and tax) that exceed the return of cash over rolling three year periods. Provide stable returns through an asset mix that maximises the prospect of positive rate of return each financial year. Achieve returns that are above the average returns of other similar funds.
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- Achieve positive returns (after fees and tax) that exceed the return of the Capital Stable option over rolling three year periods.
- Provides good prospect of positive returns each financial year.
- Achieve returns that are above the average return of other similar funds.
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- Achieve positive returns (after fees and tax) that exceed the return of the Conservative Balanced option over rolling three year periods.
- Maximise the prospect of positive returns each financial year.
- Achieve returns that are above the average return of other similar funds.
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- Achieve high, long-term returns (after fees and tax) that exceed the return of the Balanced option over rolling five year periods and acknowledging the chance of significant fluctuations in returns.
- Invest in long-term growth assets, accepting the prospect of negative returns is increased.
- Achieve returns that are above the average return of other similar funds.
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| Risk/return profile |
- Low to medium.
- Likelihood of a negative annual return in any one year: one in every 10 to 11 years.
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Medium Likelihood of a negative annual return in one year: one in every three to six years. |
- Medium to high.
- Likelihood of a negative annual return in one year: one in every four to five years.
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- High.
- Likelihood of a negative annual return in any one year: one in every three to four years.
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| Investment style |
- Most conservative and low-risk of the HOSTPLUS pre-mixed investment options.
- Contains a higher percentage of defensive assets (cash and diversified fixed interest) than the Balanced and Shares Plus options.
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- Contains roughly equal proportions of growth and defensive assets
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- Aims to produce consistent returns.
- Investments through diversified investment portfolio, including some growth assets and some lower risk investments.
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- Pre-mixed option.
- Contains the highest investment in assets with potential for capital growth.
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| Asset mix |
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