Investor Choice - Diversified Portfolios:

These portfolio mixes offer investors the ability to take more control, and to tailor their asset allocation more specifically, if they wish to do so. Our diversified portfolios invest in the same investment pools as the Lifecycle Super strategy, but without any change to asset allocation over time.

A) Defensive: A well-diversified medium to long-term investment strategy to combat the effects of inflation, whilst receiving an attractive income stream.

B) Balanced: A well-diversified medium to long-term investment strategy, whilst receiving a moderate level of income, balanced with capital growth.

C) Growth: A well-diversified, long-term investment strategy with a strong focus on capital growth.

Investor Choice Options?

Asset class specific options give you the ability to invest solely in an individual asset class, or choose your own asset allocation to create a diversified portfolio. Asset class specific options can also be used in combination with Diversified options.

If selecting an asset class specific option, you should objectively consider your familiarity with the individual asset classes, economic cycles, their impacts (positive and negative) on investment markets and, in particular, the performance of asset classes. If you are using Asset class specific options, you should review your asset allocation at least once a year to ensure it is still consistent with your objectives and to ensure you are sufficiently diversified across asset classes.

You should have properly developed investment objectives and strategy. We recommend you seek financial advice if you need assistance with this.

Australian Choice Super is one of Australia’s leading ethical super funds, offering a range of benefits to members:

  • Renowned in-house team of experienced fund managers, with a history of identifying industry trends and providing insights into issues that drive returns across global markets.
  • Expertise in offering members the opportunity to invest in a socially responsible manner.
  • Maximising the potential of long investment timeframes, for the betterment of communities and the environment.
  • Provides simple, fully diversified and actively managed investment options to cater for a wide range of clients.
  • Full transparency of underlying investments across all portfolios.
  • Focused on building the knowledge base of our members, through ongoing education.

A Socially Responsible Investor

Australian Choice Super acts in accordance with the principles of ethical investment. Our focus is on providing strong, consistent investment performance, whilst also contributing to positive, sustainable change, across society and the environment. Given the increasingly complex nature of global financial markets, it is important to maintain a strict, and thorough oversight of all investments to ensure they are in accordance with socially responsible investing principles. First Guardian has engaged MSCI Research, a leader in ethical investing, to provide input into investment screens. As long-term investors, we ensure that our investment timeframe is aligned with that of our clients. Australian Choice Super adheres to the Principles of Responsible Investment (PRI), in accordance with the United Nations’ PRI initiative.

Ethical Focus

Your super will be invested in a manner consistent with the principles of ethical investing. Australian Choice Super’s investment strategy prohibits exposure to sectors of the market deemed unethical, and favours investments that have a net positive benefit to the community and the environment.

Professional Management

Australian Choice Super’s investment team has decades of experience managing ethical portfolios, and a strong history of adding value for clients. We apply an all-weather investment process, designed to adapt to any phase of the investment cycle.

Our Ethical Investment Approach

First Guardian acts in accordance with the principles of ethical investment. Our focus is on providing strong, consistent investment performance, whilst also contributing to positive, sustainable change, across society and the environment. This core ethos underpins all of First Guardian Group’s business activities.

Given the increasingly complex nature of global financial markets, it is important to maintain a strict, and thorough oversight of all investments to ensure they are in accordance with socially responsible investing principles.

The long investment time horizons we work with for superannuation assets means that investments in this space are well suited to creating long-term sustainable value, that can provide a meaningful contribution that extends beyond strong investment performance.

Australian Choice Super adheres to the Principles of Responsible Investment, in accordance with the United Nations’ PRI initiative.

Investor Choice - Diversified Portfolios

These portfolio mixes offer investors the ability to take more control of their asset allocation, providing actively managed solutions to investors of different risk profiles.

DEFENSIVE BALANCED GROWTH
TARGET ASSET ALLOCATION
Australian Equities
Propertya & Infrastructure
International Equities
Defensive Property (Listed)
Cash, Gold & Commodities

20%
10%
20%
15%
30%

25%
10%
25%
10%
30%

30%
10%
30%
5%
25%
INVESTMENT OBJECTIVE To provide exposure to an actively managed portfolio of defensive assets with the potential for some capital growth over the investment timeframe, whilst abiding by ethical investment principles. The strategy aims to deliver significantly lower volatility than the Australian share market. To provide exposure to an actively managed portfolio of defensive and growth assets, with the potential for capital growth over the investment timeframe, whilst abiding by ethical investment principles. The strategy aims to deliver lower volatility than the Australian share market whilst providing comparable returns. To provide exposure to an actively managed portfolio of predominantly and growth assets, with the potential for capital growth over the investment timeframe, whilst abiding by ethical investment principles. The strategy aims to deliver returns above those of the Australian share market whilst providing comparable levels of volatility.
RISK PROFILE The fund is a Low to Medium risk option, as defined by the Standard Risk Measure (Risk Band 4). This means that based on its investment mix, the Fund may deliver a negative return, in up to 6 out of every 20 years. The fund is a Medium risk option, as defined by the Standard Risk Measure (3 to less than 4). This means that based on its investment mix, the Fund may deliver a negative return, in up to 6 out of every 20 years. The fund is a High risk option, as defined by the Standard Risk Measure (Risk Band 6). This means that based on its investment mix, the Fund may deliver a negative return, in up to 6 out of every 20 years.
INVESTMENT TIMELINE The minimum suggested investment time frame for this strategy is 4 or more years. The minimum suggested investment time frame for this strategy is 5 or more years. The minimum suggested investment time frame for this strategy is 6 or more years.

Sustainability & Principles Of Responsible Investment

We focus on investments that make intuitive sense and work well on all levels, physically, economically, environmentally and socially. Our approach is about creating sustainable value, investing in physical infrastructure, stimulating economic growth and creating social value. We believe that these elements are critically related – and we need to consider all of them if we are to create lasting growth for clients.

We recognise that in our role as investment manager and advisor to investors globally, we have the opportunity to make a positive impact on the markets in which we operate. We feel a deep responsibility to manage our impact on the environment. In doing so, we have integrated a detailed assessment of environmental, social and governance (ESG) factors into our investment decisions.

Specific Issues That We Act On Include

  • Address ESG issues in investment policy statements
  • Require our investment managers integrate ESG into investment decisions
  • Support development of ESG-related tools, metrics, and analyses
  • Encourage and fund academic and other research on ESG policies
  • Advocate ESG training for investment professionals
  • Engage with companies on ESG issues and express our views directly
  • Ask for standardised reporting on ESG issues
  • Ask for ESG issues to be integrated within annual financial reports
  • Support shareholder initiatives and resolutions promoting ESG disclosure
  • Support policy developments that enable implementation of the Principles
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