Investment Options
To make things easy, we have five simple investment options.
You have the flexibility to:
- Choose an investment option that best suits your needs, or
- Create your own mix using our five investment options.
You can update this anytime by logging into your Customer Login and clicking on ‘My Investments’.
Five simple investment options:
This option invests across most asset classes but mainly in growth assets. It predominantly takes an indexed investment approach. It’s designed for customers who want exposure to mainly growth assets and can tolerate a high level of risk over five years.
| Objective | Standard Risk Measure | Minimum Suggested Timeframe |
| To achieve a return (after tax and investment fees) that exceeds CPI increases by at least 2% per annum over rolling five year periods. | High | Seven years |
Growth Investments 75%
(55% – 95%)
Defensive Investments 25%
(5% – 45%)
| Asset Class | Range % | SAA* % |
| International Shares | 20-50 | 37 |
| Real Assets | 0-25 | 5 |
| Alternative Assets | 0-10 | 0 |
| Growth Fixed Interest | 0-15 | 6.5 |
| Defensive Fixed Interest & Cash *strategic asset allocation |
5-35 | 21.5 |
This option invests across most asset classes but mainly in defensive assets, and predominantly takes an indexed investment approach. It is designed for customers who want exposure to mainly defensive assets and can tolerate a medium level of risk over three years.
| Objective | Standard Risk Measure | Minimum Suggested Timeframe |
| To achieve a return (after tax and investment fees) that exceeds CPI increases by at least 0.5% per annum over rolling three year periods. | Medium | Three years |
Growth Investments 34%
(15% – 55%)
Defensive Investments 65%
(45% – 85%)
| Asset Class | Range % | SAA* % |
| Australian Shares | 0-30 | 14 |
| International Shares | 0-30 | 16 |
| Real Assets | 0-20 | 2 |
| Alternative Assets | 0-10 | 0 |
| Growth Fixed Interest | 0-15 | 6.5 |
| Defensive Fixed Interest & Cash *strategic asset allocation |
45-75 | 61.5 |
Invests mainly in Australian Listed Property. It is designed for Customers who want exposure to growth assets and can tolerate a very high level of risk over ten years.
| Objective | Standard Risk Measure | Minimum Suggested Timeframe |
| To meet the benchmark return over the medium to long term. | Very High | Ten years |
Growth Investments 100%
(90% – 100%)
Defensive Investments 0%
(0% – 10%)
| Asset Class | Range % | SAA* % |
| Australian Listed Property | 90-100 | 100 |
| Cash | 0-10 | 0 |
This option invests mainly in a combination of Australian and international shares, and takes an indexed investment approach. International currency exposure may be hedged. It is designed for customers who want exposure to growth assets and can tolerate a high level of risk over ten years.
| Objective | Standard Risk Measure | Minimum Suggested Timeframe |
| To meet the benchmark return over the medium to long term. | High | Ten years |
Growth Investments 100%
(90% – 100%)
Defensive Investments 0%
(0% – 10%)
| Asset Class | Range % | Benchmark % |
| Australian Shares | 40-70 | 50 |
| International Shares | 40-70 | 50 |
| Cash | 0-10 | 0 |
This options invests mainly in cash. It is designed for Customers who want no exposure to growth assets and can tolerate a very low level of risk over one year or less.
| Objective | Standard Risk Measure | Minimum Suggested Timeframe |
| To maintain the invested capital and to achieve a return above that available on bank bills, as measured by the Bloomberg AusBond Bank Bill Index on an annual basis. | Low | One year or less |
Growth Investments 0%
Defensive Investments 100%
| Asset Class | Range % | SAA* % |
| Cash | 100 |
The investment objectives above are general and are only a guide as to how investments of this nature will typically behave. The characteristics of your chosen investments may be quite different and you (or your financial adviser if applicable) will need to research your individual investment. Past returns are not indicators of guaranteed future performance.
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The issuer of this product is Mercer Superannuation (Australia) Limited. Mercer Superannuation (Australia) Limited has authorised Kogan Superannuation Pty Ltd to provide financial product advice that is general advice in relation to Kogan Super. A Product Disclosure Statement is available for Kogan Super by clicking here. The information above does not take into account your personal objectives, financial situation or needs. Prior to deciding whether to acquire an interest in Kogan Super, you need to take into account your own financial circumstances, consider the Product Disclosure Statement, Guides and factsheets section.