Introduction
Commonwealth Bank Group Super offers a range of diversified investment options designed to cater to various risk profiles and retirement goals. Each option combines different asset classes—such as Australian and international shares, property, fixed interest, infrastructure, and cash—to balance potential returns with risk. Understanding the asset allocation of each investment option helps members make informed decisions aligned with their financial objectives.
1. Balanced Index
- Investment Focus: A diversified mix of growth assets like shares, property, and infrastructure securities, complemented by defensive assets such as fixed interest and cash.
- Risk Profile: High (Band 6)
- Minimum Suggested Timeframe: At least 5 years
- Objective: To provide potential for capital growth through a balanced approach.
2. High Growth Index
- Investment Focus: Primarily invested in a diversified portfolio of shares, property, and infrastructure securities, aiming for long-term capital growth.
- Risk Profile: High (Band 6)
- Minimum Suggested Timeframe: At least 7 years
- Objective: To maximize capital growth by focusing on higher-risk growth assets.
3. Global Shares Index
- Investment Focus: Invests in shares of companies listed on various overseas stock exchanges.
- Risk Profile: Very High (Band 7)
- Minimum Suggested Timeframe: At least 7 years
- Objective: To provide exposure to international equity markets for potential growth.
4. Global Property Securities Index
- Investment Focus: Invests in securities representing part-ownership in global properties or infrastructure, such as office buildings or utilities.
- Risk Profile: Very High (Band 7)
- Minimum Suggested Timeframe: At least 7 years
- Objective: To offer exposure to global property and infrastructure markets.
5. Diversified Index
- Investment Focus: A diversified portfolio of assets expected to generate long-term capital growth, including shares, property, infrastructure, and defensive assets like fixed interest and cash.
- Risk Profile: Medium to High (Band 5)
- Minimum Suggested Timeframe: At least 5 years
- Objective: To provide a balanced approach with a mix of growth and defensive assets.
6. Cash Deposit
- Investment Focus: Generally invested in bank bills or similar securities.
- Risk Profile: Very Low (Band 1)
- Minimum Suggested Timeframe: No minimum
- Objective: To preserve capital with minimal risk, suitable for short-term investment needs.
7. Australian Shares Index
- Investment Focus: Invests in shares of companies listed on the Australian Stock Exchange.
- Risk Profile: Very High (Band 7)
- Minimum Suggested Timeframe: At least 7 years
- Objective: To provide exposure to the Australian equity market for potential growth.
Conclusion
Commonwealth Bank Group Super offers a variety of investment options, each with distinct asset allocations tailored to different risk appetites and investment horizons. By understanding the focus and risk profile of each option, members can select the one that best aligns with their retirement goals.
