Additional information on risks

•  Cash and deposits

•  Australian fixed interest

•  Diversified fixed interest

•  Short duration fixed interest

•  Defensive 

•  Conservative 

•  Moderate

•  Growth 

•  High Growth 

This is the risk associated with investing funds at a fixed rate of interest for a specified term. If interest rates rise - including owing to factors such as inflation - then the investor could have obtained more returns from investing for a shorter term, multiple times. 

•  Defensive 

•  Conservative

•  Moderate

•  Growth 

•  High growth

•  Australian share

•  Australian share – small companies

•  Global share

•  Global share – emerging markets

•  Specialist share

•  Geared

•  Australian property and infrastructure

•  Global property and infrastructure

•  Alternatives 

This is the risk - or the potential for variability in returns - which comes from investing in companies, generally driven by growth in earnings and dividends.

•  Growth 

•  High growth 

•  Australian share – small companies

•  Specialist share

•  Alternatives 

This is the risk associated with investing in smaller companies, which generally exhibit higher growth rates, while also carrying greater risk compared to larger companies.

•  Australian property and infrastructure 

•  Global property and infrastructure 

•  Alternatives 

This is the risk that the value of an asset is mis-stated. This is due to the potential disparity between an asset’s accounting value as compared to its actual fair market value when traded. Measuring assets at fair value across time ensures equity for members as they invest into, withdraw from or switch between different investments and options.