Published on 23 February 2024
Our Chief Investment Officer for OnePath Custodians Pty Limited, Dan Farmer, recaps the key global and domestic events of 2023, their impact on investment markets, and your super fund's returns to 31 December 2023.
Dan also shares our outlook for 2024 and how we’re committed to managing your retirement savings in your best interests.
ANZ’s Smart Choice Super Lifestage investment options structure their asset allocation - the balance between higher-return, higher-risk assets and more conservative choices - based on members’ age.
This is designed to reduce investment risk as a member gets closer to retirement. It can also have inflation-beating benefits of holding sufficient higher-returning growth assets both on the way to and in retirement.
Based on your decade of birth, the table below shows how your investment option performed over the past quarter as well as over one, three and five-year periods to end 31 December 2023.
| Investment Option | 3 months (%) | 1 year (%) | 3 years (% p.a.) | 5 years (% p.a.) |
|---|---|---|---|---|
| 1940s | 4.44 | 8.96 | 3.59 | 4.46 |
| 1950s | 5.05 | 10.20 | 4.35 | 5.28 |
| 1960s | 5.31 | 11.82 | 5.86 | 7.00 |
| 1970s | 5.28 | 11.65 | 5.94 | 7.56 |
| 1980s | 5.41 | 12.14 | 6.49 | 8.12 |
| 1990s | 5.41 | 12.09 | 6.54 | 8.21 |
| 2000s | 5.39 | 12.08 | 6.55 | 8.11 |
For those super members who like to control their own asset allocation mix, ANZ Smart Choice offers investment options covering the major individual asset classes.
It also provides options that allow members to choose their strategic approach to investing—such as a growth or conservative approach.
Their performance over the past quarter, as well as one, three and five years to end 31 December 2023 is shown below.
| Investment Option | 3 months | 1 year | 3 years (p.a.) | 5 years (p.a.) |
|---|---|---|---|---|
| Australian fixed interest | 3.30 | 4.07 | -2.89 | 0.05 |
| Australian shares | 7.38 | 11.40 | 8.98 | 9.92 |
| Global fixed interest | 4.65 | 4.43 | -3.27 | 0.02 |
| Global property | 11.49 | 6.67 | 1.09 | 1.64 |
| Global smaller companies † | 5.49 | 13.61 | 6.53 | 9.29 |
| International shares (hedged) | 8.19 | 18.76 | 6.22 | 10.02 |
| International shares (unhedged) | 4.68 | 20.54 | 10.50 | 12.11 |
| Investment Option | 3 months | 1 year | 3 years (p.a.) | 5 years (p.a.) |
|---|---|---|---|---|
| Cash | 0.88 | 3.24 | 1.39 | 1.08 |
| Conservative | 4.11 | 7.69 | 1.88 | 3.12 |
| Moderate | 5.03 | 8.54 | 2.71 | 4.31 |
| Growth | 5.69 | 10.43 | 4.31 | 6.10 |
You can access your personalised ANZ Smart Choice Super returns by logging into your account and visiting the ‘Investment portfolio’ page via your ANZ Smart Choice Super account.
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