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How We Invest

Investment options

Transition to Retirement Pension

The Transition to Retirement Pension is designed for semi-retired people or those about to retire who have reached their preservation age and who are looking to:

  • continue working whilst supplementing their income
  • retain control over their financial strategy and invested capital
  • receive a regular income stream from their superannuation monies.

Unit prices at {date}

Investment Options Unit Prices
Performance percentages effective as at 31 October 2020.

Investment Options 6 Months 1 Year 3 Years 5 Years 7 Years

Total Growth of $10,000 since inception to October 2020.

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Transition to Retirement Pension

Deciding which investment product is right for you and your individual situation can be difficult, time consuming and may not always achieve the appropriate results. Your financial planner can work with you to tailor an investment strategy using the most suitable investment products to help you achieve your lifestyle and financial goals.

To find out more simply call your member service team on 1800 620 305.

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Your Fund Update

Deciding which investment product is right for you and your individual situation can be difficult, time consuming and may not always achieve the appropriate results. Your financial planner can work with you to tailor an investment strategy using the most suitable investment products to help you achieve your lifestyle and financial goals.

To find out more simply call your member service team on 1800 620 305.

Downloads 

Transition to Retirement Pension

Deciding which investment product is right for you and your individual situation can be difficult, time consuming and may not always achieve the appropriate results. Your StatePlus financial planner will work with you to tailor an investment strategy using the most suitable investment products to help you achieve your lifestyle and financial goals.

To find out more simply call your member service team on 1800 620 305.

Estimated investment fees(% per year)

Investment option Investment-related costs Performance-related costs Transaction costs1 Other fees and costs Management fee Total investment fees
Diversified investment options
Capital Stable Fund 0.12% 0.01% 0.04% 0.05% 0.15% 0.37%
Moderate Fund 0.18% 0.04% 0.05% 0.10% 0.15% 0.52%
Balanced Fund 0.25% 0.10% 0.07% 0.15% 0.15% 0.72%
Growth Fund 0.30% 0.10% 0.08% 0.17% 0.15% 0.80%
Single asset class investment options
Cash Fund 0.03% 0.00% 0.00% 0.01% 0.00% 0.04%
Fixed Interest Fund 0.04% 0.00% 0.00% 0.12% 0.06% 0.22%
Australian Equities Fund 0.18% 0.00% 0.08% 0.05% 0.06% 0.37%
International Equities Fund 0.19% 0.00% 0.04% 0.06% 0.06% 0.35%
Fixed Term Fund 0.00% 0.00% 0.00% 0.00% 0.20% 0.20%

1 The amounts shown above reflect an estimate of explicit transaction costs only. An estimate of implicit transaction costs is shown in the table under the section ‘Estimated transactional and operational costs’

The investment fees shown above are indicative only and are based on the estimated fees and costs for each investment option for the 12 months to 30 June 2020, apart from the Management fee which changed on 1 April 2020 and represents the amount charged from this date. The amount you'll pay in future years will depend on the actual fees and costs incurred by the trustee in managing the investment option. Borrowing costs, implicit transaction costs, and property operating costs may also affect your investment but are not included above. For an additional explanation about fees and costs please refer to the Transition to Retirement Pension PDS by clicking on the PDS tab above.


Estimated transactional and operational costs (% per year)

Investment option Estimated implicit transaction costs Total estimated transactional and operational costs
Diversified investment options
Capital Stable Fund 0.07% 0.11%
Moderate Fund 0.13% 0.18%
Balanced Fund 0.19% 0.26%
Growth Fund 0.21% 0.29%
Single asset class investment options
Cash Fund 0.01% 0.01%
Fixed Interest Fund 0.08% 0.08%
Australian Equities Fund 0.08% 0.16%
International Equities Fund 0.09% 0.13%
Fixed Term Fund 0.00% 0.00%

An estimate of implicit transaction costs for the 12 months to 30 June 2020 is provided in the table above which, together with the explicit transaction costs reported in the table ‘Estimated investment fees (% per year)’, make up the total estimated transactional and operational costs shown above.


Estimated borrowing and property operating costs (% per year)

Investment option Estimated borrowing costs Estimated property operating costs
Capital Stable Fund 0.04% 0.06%
Moderate Fund 0.06% 0.07%
Balanced Fund 0.06% 0.06%
Growth Fund 0.05% 0.05%

An estimate of borrowing and property operating costs for the 12 months to 30 June 2020 is provided in the table above. It is important to note that past costs are not a reliable indicator of future costs and the amount of borrowing and property operating costs may vary from year to year.