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ANZ Smart Choice Super: December 2023

Published on 23 February 2024

ANZ Smart Choice Super Lifestage Investment Options
2023 Year in Review

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.

Video: Investment and Market Update with Dan Farmer.

ANZ Smart Choice Super Lifestage investment options’ performance

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 Option3 months (%)1 year (%)3 years (% p.a.)5 years (% p.a.)
1940s4.448.963.594.46
1950s5.0510.204.355.28
1960s5.3111.825.867.00
1970s5.2811.655.947.56
1980s5.4112.146.498.12
1990s5.4112.096.548.21
2000s5.3912.086.558.11

ANZ Smart Choice Super Choose Your Own investment mix performance (%)

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 Option3 months1 year
3 years (p.a.)
5 years (p.a.)
Australian fixed interest3.304.07-2.890.05
Australian shares7.3811.40
8.989.92
Global fixed interest4.654.43-3.270.02
Global property11.496.671.091.64
Global smaller companies †5.4913.616.539.29
International shares (hedged)8.1918.766.2210.02
International shares (unhedged)4.68
20.5410.5012.11

 

Investment Option3 months1 year3 years (p.a.)5 years (p.a.)
Cash0.883.241.391.08
Conservative4.117.691.883.12
Moderate5.038.54
2.714.31
Growth5.6910.434.316.10

Performance Disclaimer: Note: Returns quoted use the unit price which is calculated using the net asset values for the relevant month end. Please note that all returns are after the deduction of investment fees and tax. Reporting data is to 31 December 2023 (p.a. = per annum). Past performance is not a reliable indicator of future performance.

The ANZ Smart Choice Global Smaller Companies investment option is listed as an investment option for ANZ Smart Choice Super for employers and their employees only.

*Sources. All returns to 31/12/2023 unless otherwise stated, Australian shares - S&P/ASX 200 Total Return Index; Global shares (hedged) - MSCI All Countries World (A$ hedged, Net); Global shares (unhedged) - MSCI All Countries World in A$ (Net); Emerging markets - MSCI Emerging Markets in A$ (Net); Australian bonds - Bloomberg AusBond Composite 0+ Yr Index; Global bonds (A$ hedged) - Barclays Global Aggregate (A$ hedged, Gross).

Need more information?

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.


Contact us

Get online

Register for online access to your ANZ Smart Choice Super account in less than two minutes.

If you’ve already registered, log in to manage your account.

Need help?

Message or call the ANZ Smart Choice Super team on 13 12 87 weekdays 8.30am to 6.30pm (AEST).

 

Find out how our Hearing and interpreting services can support you.

This information has been prepared by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346) (OPC) as Trustee of Retirement Portfolio Service (ABN 61 808 189 263). ANZ Smart Choice Super suite of products which includes ANZ Smart Choice Super and PensionANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees. ANZ Smart Choice Super is part of the Retirement Portfolio Service. OPC is part of the Insignia Financial group of companies comprising Insignia Financial Ltd ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group)

This information is general in nature and does not take into account your objectives, financial situation and needs. Before acting on any of this information, you should consider its appropriateness, having regard to your objectives, financial situation and needs. You should consider obtaining financial advice before making any decisions based on this information. It is recommended that you consider the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) before you make any decisions about your superannuation or insurance. You can obtain the latest copy of the PDS (or other disclosure documents) and TMD by calling 13 12 87 or by searching for the applicable product on our website at anz.com

Any general tax information provided is intended as a guide only and is based on our general understanding of taxation laws. It is not intended to be a substitute for specialised taxation advice or an assessment of your liabilities, obligations or claim entitlements that arise, or could arise, under taxation law, and we recommend you consult with a registered tax agent.

Opinions constitute our judgement at the time of issue and are subject to change. Neither OPC nor any member of the Insignia Financial Group, nor ANZ, accept responsibility for any loss or liability incurred by you in respect of any error, omission or misrepresentation in the information in this communication.

The Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) (ANZ) brand is a trademark of ANZ and is used by OPC under licence from ANZ. ANZ and the Insignia Financial Group are not related bodies corporate. ANZ does not stand behind or guarantee these products.

© Australia and New Zealand Banking Group Limited (ANZ) 2021 ABN 11 005 357 522. ANZ's colour blue is a trademark of ANZ.

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