Investment options

We have three single-sector investment options;
  • Cruelty Free Australian Shares
  • Cruelty Free International Shares
  • Cash
You can choose to invest in only one option, or you can choose to mix your preferred percentage in any of the three investment options to suit your personal financial objectives, situation and needs.
Our cruelty free ethical investment screens only apply to the Cruelty Free Australian Shares and Cruelty Free International Shares options. The Cash option does not have any ethical investment screening applied as it is money held in a bank account.
For more information see Section 4 of our Reference Guide.

Cruelty Free Australian Shares

Minimum investment timeframe
10 years
Standard Risk Measure*
Risk Band 6: High. (4 to less than 6 estimated negative annual returns over any 20-year period).
Investment return objective
To outperform the S&P/ASX 200 Accumulation Index over rolling 10-year periods (after fees and taxes).
Asset type
Growth-oriented asset
Cruelty Free Super’s ethical screening
Yes

Cruelty Free International Shares

Minimum investment timeframe
10 years
Standard Risk Measure*
Risk Band 6: High. (4 to less than 6 estimated negative annual returns over any 20-year period).
Investment return objective
To outperform the MSCI World EX Australia Net Dividends Reinvest in AUD over rolling 10-year periods (after fees and taxes).
Asset type
Growth-oriented asset
Cruelty Free Super’s ethical screening
Yes

Cash

Minimum investment timeframe
2 years
Standard Risk Measure*
Risk Band 1: Very low. (Less than 0.5 estimated negative annual returns over any 20-year period).
Investment return objective
To outperform RBA Cash Rate over rolling 2-year periods (after fees and taxes).
Asset type
Defensive-oriented asset
Cruelty Free Super’s ethical screening
The cash investment option is not ethically screened as it is held in a bank account.
*The Standard Risk Measure (SRM) allows you to compare investment options that are expected to deliver a similar number of negative annual returns over any 20-year period.

Variation from your allocation

The value of each investment option changes daily with market movements specific to that option.
Because the value of each investment option will change by different amounts, your actual percentage allocation can change over time. It can become different to the original allocation percentages you set.
At any time, you can choose to change your investment allocation to bring it back to the allocation you set originally, or to something completely different.

Diversification

Choosing to invest your superannuation across multiple asset classes is likely you assist you in diversifying your portfolio. This may help in reducing overall volatility in returns and risks associated with being invested in a single asset class.

General information

This is general information only, please seek financial advice from an authorised financial adviser if you need assistance determining what is right for you.