When you invest your money it is pooled together with those of other members of your super or pension fund and managed by professional fund managers.
Most funds offer a range of investment portfolios or ‘options’ to choose from. This is the case with Club Plus Super, which provides 5 investment options for our Pension fund and 6 investment options for our Superannuation fund. We also offer a direct investment option for all members, which allows you to invest in S&P/ASX 300 listed shares, exchange tracked funds (ETFs) and Term Deposits.
You can choose to invest in one option or spread your money across multiple options, say, 50% Australian Shares, 25% Growth and 25% Conservative.
Investment option description
Term Deposit (Super/Pension)
|Cash (Super / Pension)
Designed for members who do not want any reduction in the capital value of their account balance and who accept they may receive a lower long-term return compared to other options.
|Conservative (Super / Pension)
Designed to suit members who have a conservative outlook to investing.
|MySuper / Balanced (Super / Pension)
Aims to produce a steady rate of return to members with a medium to high level of volatility by investing in a diverse range of asset classes.
|Growth (Super / Pension)
Designed to suit members who understand that there will be volatility associated with a growth oriented investment.
|High Growth (Super only)
The High Growth option has been designed to suit members who can absorb the volatility associated with a growth oriented investment.
This option is likely to be more volatile than the Growth option.
|Australian Shares (Super / Pension)
Gives Club Plus members the opportunity to have their funds invested with investment managers who invest solely in the Australian share market in listed companies. Members should understand that there is a high degree of volatility with this option.