Important changes to the Cash investment option
Effective 11 March 2025, the How we invest your money document dated 28 September 2024, available at unisuper.com.au/pds, is updated so that the Investment Strategy for the Cash investment option (on page 13) is replaced as set out in the table below. Please be aware that the Investment Strategy effective 11 March 2025, is not reflected in the How we invest your money document currently available.
| Cash investment option | |
|---|---|
| Investment Strategy before 11 March 2025 | Investment Strategy effective on and after 11 March 2025 |
| To invest in a diversified portfolio of cash and money-market securities, including (but not limited to) at-call and term bank deposits, bank bills, negotiable certificates of deposit, notice accounts and other short-term fixed income securities out to a maximum maturity of around one year. However, from December 2021, where your funds are invested in this option, they will be placed in an at call deposit product with National Australia Bank Limited ABN 12 004 044 937 AFSL 230686 pursuant to an arrangement UniSuper has with National Australia Bank Limited. This option is not a deposit by you in a bank account and your balance is not guaranteed under the Australian Government bank deposit guarantee scheme. | To invest in a diversified portfolio of cash and money-market securities, including (but not limited to) at-call and term bank deposits, bank bills, negotiable certificates of deposit, notice accounts and other short-term fixed income securities out to a maximum maturity of around one year. However, from December 2021, where your funds are invested in this option, they will be placed in a deposit product with National Australia Bank Limited ABN 12 004 044 937 AFSL 230686 pursuant to an arrangement UniSuper has with National Australia Bank Limited. This option is not a deposit by you in a bank account and your balance is not guaranteed under the Australian Government bank deposit guarantee scheme. |
Options for different types of investors
With UniSuper, you have the flexibility to select one or more options, choose from seven pre-mixed options and nine sector-specific options, each with different strategies and risk profiles.
Pre-mixed options are ready made investment portfolios which include a diverse range of asset classes. The allocation to each asset class varies depending on the risk profile and strategy of the option.
Sector options invest in one asset class or theme, they allow you to be more hands on in setting your strategy. These options are intended to be combined with other investment options to build a diversified portfolio.
We also offer three sustainable and environmental branded investment options.1
Please refer to the Product Disclosure Statement (PDS) for the most up to date investment returns and objective information.
Pre-Mixed options
Pick an option you're comfortable with and let our fund managers do the work. They’ll allocate and manage investments for you.
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6 yearsSuggested minimum investment time frame9.4%p.a.#Average return over 6 yearsObjective:^ Outperform CPI by 3% p.a. over 6 years
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7 yearsSuggested minimum investment time frame10.2%p.a.#Average return over 7 yearsObjective:^ Outperform CPI by 4% p.a. over 7 years
Sector
Build your own portfolio with our Sector investment options2,3. These are single asset classes that you can mix and match or combine with our Pre-Mixed options to build a diverse portfolio. Choosing these options means you’ll need to be a little more hands-on with managing how your portfolio is allocated.
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7 yearsSuggested minimum investment time frame6.9%p.a.#Average return over 7 yearsObjective:^ Outperform CPI by 4% p.a. over 7 years
Learn more about your super investments
Make an informed decision about your investment options by accessing the information below:
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Things you need to know
1 Sustainable and environmental investing means different things to different people. Different products have different investment criteria. Read our sustainable and environmental branded options page and How we invest your money booklet (PDF, 1.27 MB) to find out what sustainable and environmental investing means to us and what our investment options invest in.
2 Read our sustainable and environmental branded options page and How we invest your money booklet (PDF, 1.27 MB) for further details about our screening process.
3 The name of the Australian Income investment option changed from 28 September 2023. Prior to this date, the name of this investment option was Diversified Credit Income.
4 The name of the Australian Dividend Income investment option changed from 28 September 2023. Prior to this date, the name of this investment option was Australian Equity Income.
5 Fourth largest fund by total assets under management, with $127 billion in total assets as of 30 June 2023. Source: APRA Annual Fund-Level Superannuation Statistics
*Past performance is not an indicator of future performance. Consider the Product Disclosure Statement (PDS), Target Market Determination (TMD) and your circumstances before making decisions, because we haven’t. Read the full disclaimer.