MySuper Lifecycle product dashboard

LGIAsuper’s MySuper Lifecycle product dashboard can help you compare our MySuper product with other funds’ MySuper offerings based on a few key features like investment performance, risk and fees.

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Return

10 year average return of 5.31% p.a. at 30 June 2016.

10 year average return of 5.50% p.a. at 30 June 2016.


Return target

Return target of 3.0% per year above inflation after fees and taxes over the next ten financial years. Future returns cannot be guaranteed. This is a prediction.

Return target of 2.5% per year above inflation after fees and taxes over the next ten financial years. Future returns cannot be guaranteed. This is a prediction.


Comparison between return target and return

The information in this graph is based on MySuper Lifecycle's Under 75 predecessor product, Diversified Growth. Past performance is not necessarily an indication of future returns.

The moving average return is based on a 10-year moving average and cannot be calculated unless 10 years of history exists. As the predecessor product launched in 1999, the moving average return can only be calculated from 2009 onwards.

Information in this graph is based on MySuper Lifecycle's 75 plus predecessor product, Balanced. Past performance is not necessarily an indication of future returns.

The moving average return is based on a 10-year moving average and cannot be calculated unless 10 years of history exists. As the predecessor product launched in 1999, the moving average return can only be calculated from 2009 onwards.


Level of investment risk

Risk: HighMedium to high

Negative returns expected 4.2 out of 20 years

Negative returns expected 3.1 out of 20 years


Statement of fees and other costs

$360 $320 p.a.

Based on a member with $50,000 invested in the MySuper Lifecycle option throughout the current financial year.


Definitions

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Term What it means
Return target

The return target is the annualised estimate of the percentage rate of return of a representative member that exceeds the growth in CPI over 10 years.

Annual return

The annual return is the net investment return of a representative member for a financial year minus administration and investment fees and taxes.

Representative member

representative member is a member who is fully invested in the MySuper product, who does not incur any activity fees during a year and who has an account balance of $50,000 throughout that year, excluding any investment gains or losses on the $50,000 balance.

Moving average return target

The moving average return target for a particular financial year is the average of the return targets for the relevant year and the previous years in the comparison period, and factors in the annual growth in CPI.

Moving average return

The moving average return for a particular financial year is the average of the returns for the relevant year and the previous years in the comparison period.

Comparison period

The comparison period is:

- the past 10 whole financial years if the MySuper product, or the MySuper product and a predecessor product, have been offered for at least 10 financial years or

- the total number of whole financial years for which the MySuper product, or the MySuper product and a predecessor product, have been offered.

Predecessor product

A predecessor product is a default investment option in existence on 30 June 2013.

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Learn more about MySuper Lifecycle

Find out how our default option works and if it’s right for you.

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Explore your options

Learn about LGIAsuper's range of investment options and make a choice that best suits your needs.

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Get to know the basics

It pays to learn about investing so you can understand your options and make informed decisions about your super.

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Check daily earning rates

We publish daily earning rates so you can track how our options are performing.

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