Investment options - Transition to Retirement Pension Mix Your plan
Our Transition to Retirement Pension is a flexible retirement income option, which provides you with a regular income stream from your retirement savings.
To help you grow your super, we offer a range of investment plans targeting different levels of risk and return, designed to give you a choice as to how your money is invested. You can choose one of the four Readymade plans or personally select to invest your super in any single asset class, or a mixture of five asset classes called Mix Your plan.
| Plan | Australian Shares TTR | International Shares TTR | Property TTR | Fixed Interest TTR | Cash TTR |
|---|---|---|---|---|---|
| Product dashboard | Product dashboard | Product dashboard | Product dashboard | Product dashboard | |
| Level of investment risk by Standard Risk Measure bands | Very high 7 out of 7 | High 6 out of 7 | High 6 out of 7 | Medium 4 out of 7 | Very low 1 out of 7 |
| Investment return objective1 | To outperform the plan's benchmark index over rolling 3 year periods | To outperform the plan's benchmark index over rolling 3 year periods | To outperform the plan's benchmark index over rolling 3 year periods | To outperform the plan's benchmark index over rolling 3 year periods | To achieve a return of at least the Bloomberg AusBond Bank Bill Index over rolling 12 month periods |
| Growth/Defensive split^ | |||||
| Level of investment risk - estimated number of negative annual returns over any 20-year period | Greater than 6 | Less than 6 | Less than 6 | Less than 3 | Less than 0.5 |
| Investment timeframe | 10 years or more | 10 years or more | 10 years or more | 1 to 3 years | Around 12 months |
| Statement of fees and other costs+ | $235 | $190 | $250 | $160 | $90 |
| Plan details | Plan details | Plan details | Plan details | Plan details |
| Plan | Australian Shares TTR | International Shares TTR | Property TTR | Fixed Interest TTR | Cash TTR |
|---|---|---|---|---|---|
| Plan details | Plan details | Plan details | Plan details | Plan details | |
| Last month (%) | 3.71% | 2.93% | 3.31% | 0.95% | 0.33% |
| FYTD (%) | 12.91% | 15.02% | 6.78% | 3.38% | 2.94% |
| 1 year (%) | 14.06% | 22.17% | 8.16% | 1.53% | 3.77% |
| 3 years (% p.a.) | 10.28% | 9.92% | 0.84% | -1.71% | 1.88% |
| 5 years (% p.a.) | 9.23% | 10.40% | -0.17% | 0.06% | 1.43% |
| 10 years (% p.a.) | ... | ... | ... | ... | ... |
| Since inception (% p.a.) | 8.94% | 10.07% | 1.54% | 0.91% | 1.50% |
| Plan details | Plan details | Plan details | Plan details | Plan details |
| Plan | Australian Shares TTR | International Shares TTR | Property TTR | Fixed Interest TTR | Cash TTR |
|---|---|---|---|---|---|
| Plan details | Plan details | Plan details | Plan details | Plan details | |
| Australian Shares | 100% | 0% | 0% | 0% | 0% |
| International Shares | 0% | 100% | 0% | 0% | 0% |
| Property | 0% | 0% | 100% | 0% | 0% |
| Fixed Interest | 0% | 0% | 0% | 100% | 0% |
| Cash | 0% | 0% | 0% | 0% | 100% |
| Actual allocation | Actual allocation | Actual allocation | Actual allocation | Plan details |
- Asset type:
- Growth
- Defensive
- Part Growth and Defensive
The above investment mix represents the mix for the Strategic Asset Allocation (SAA) – our long-term target for allocating assets between asset classes - for our plans. The actual mix for your plan may differ from the SAA and can be viewed by selecting ‘Actual allocation’ under the relevant plan. The SAA and other information provided above is current and is based on the current Treasurer’s Prudential Guidelines for Investments which were approved on 3 August 2023.
The SAA, asset allocation ranges or the composition of individual asset classes may change from time to time, without prior notice.
1 The investment return objective is the investment return all Mix Your plan investment plans will seek to achieve after investment fees.
The risk level is based upon the Standard Risk Measure. The SRM is based on industry guidance developed to allow members to compare investment options that are expected to deliver a similar number of negative returns over a 20-year period.
^ The Growth/Defensive split is the target allocation mix of Growth and Defensive assets.
+ Statement of fees and other costs are based on fees over the 2022/23 financial year. It includes all investment and administration fees and expenses for an account balance of $50,000. For more information, see the Retirement Income Pension Product Information Booklet. You should read all the information about fees and costs, because it is important to understand their impact on your investments.
++ Returns are reported after factoring in the investment fees and costs and applicable taxes, and are based on transactional prices. The investment fees and costs include all investment costs, transaction costs and any other underlying costs relating to your investment.
All Mix Your plan strategies may contain a small strategic allocation to Cash for liquidity purposes. Mix Your plan Property TTR option generally only invests in listed Property investments and is 100% hedged in Australian dollars. Mix Your plan International Shares TTR is partially hedged into Australian dollars. Mix Your plan Fixed Interest TTR invests in Investment Grade Bonds.
Inception dates for Transition to Retirement Pension plans is 15 June 2017.
Our schemes are Exempt Public Sector Superannuation Schemes and are regulated by the WA State Government and not the Commonwealth Government.
The State Government guarantees to pay every benefit payable under a scheme, including the accumulation, retirement and defined benefit schemes. This Benefit Payment Guarantee does not include investment market losses.
The performance of your investment plan is not guaranteed and returns may move up or down depending on factors such as investment market conditions. Past performance should not be relied on as an indication of future performance.