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Superannuation

Balanced

Investment details and fees

Minimum investment amounts

Initial contribution$20,000

Additional contributions$200

Minimum account balance$7,500

Fees and costs

Establishment feeNil

Contribution feeNil

Member account keeping fee$66 p.a
(balances less than $20,000)

Withdrawal fee$71.50
(on each amount withdrawn)

Switching feeNil

Plan administration
management fees

First $50,0000.75% p.a

Balance over $50,0000.50% p.a


Investment option
management fee
0.36% p.a


Buy spread cost (purchase)0.18%

Sell spread cost (withdrawal)0.12%

The Vanguard® LifeStrategy® Balanced investment option is designed for investors with an average tolerance for risk who are seeking a balance between income and capital growth assets.  

This investment option targets a 50% allocation to income asset classes (cash and fixed interest securities) and a 50% allocation to growth asset classes (property securities and shares).

Who it may suit

  • medium to long-term investors (usually five years plus)
  • investors seeking a medium risk, balanced portfolio of growth and income assets
  • investors seeking a balance between capital growth and capital stability
  • investors seeking a tax-effective investment

Objectives

To match the weighted average return of the target indexes selected by Vanguard for the various asset classes in which this investment option invests, before taking into account fees, expenses, and taxes.  The weights used are the strategic asset allocations to each asset class.

Strategic asset allocations are:

Income assets 50%

  • Australian fixed interest 11%
  • International fixed interest (hedged) 17%
  • Australian cash 22%

Growth assets 50%

  • Australian shares 24%
  • International shares 17%
  • Australian property securities 3%
  • International property securities (hedged) 3%
  • International small companies (hedged) 2%
  • Emerging markets shares 1%

Benefits

Diversification

  • diversified portfolio with a balance of income and growth assets (50:50)
  • diversified approach lowers risk while providing opportunities for enhanced returns

Income and capital growth

  • balance between some income producing assets and the potential for long-term capital growth

After-tax investment returns

  • buy and hold strategy takes advantage of capital gains discounts and deferral of capital gains liabilities, which may result in better after-tax investment returns

Fees

  • low management fees and no entry fees (other than buy/sell spread costs)
  • scaled management fees apply to balances over $50,000

Contributions

  • contribute directly or through your employer
  • make spouse contributions or build your retirement savings if self-employed
  • complimentary rollover service

Take the next step

Knowledge Centre

Personal Superannuation Plan - Investment Options at a Glance*

Show all options or Hide all options.

Cash Cash funds suit investors who prefer capital stability and regular income to longterm growth.
 BenchmarkMinimum investment amountsInvestment option management feeInvestment option buy/sell spread costsManagement fees that apply to your member account balance
Initial contributionAdditional contributionsAccount balanceMember account keeping fee for balances less than $20,000Plan administration management fee for the first $50,000Plan administraion management fee for the portion above $50,000
Vanguard® Cash Plus A customised Index, the Vanguard® Cash Plus Index $20,000
$200
$7,500
 0.31% p.a.
Nil
 $66 p.a.
0.75% p.a.
0.50% p.a.
Fixed interest Fixed interest funds suit short to mediumterm investors seeking a steady and reliable income stream..
 BenchmarkMinimum investment amountsInvestment option management feeInvestment option buy/sell spread costsManagement fees that apply to your member account balance
Initial contributionAdditional contributionsAccount balanceMember account keeping fee for balances less than $20,000Plan administration management fee for the first $50,000Plan administraion management fee for the portion above $50,000

Vanguard® Australian Fixed Interest
UBS Australian Composite Bond Index
 $20,000
$200
$7,500
 0.31% p.a.
0.10% / 0.10%
 $66 p.a.
0.75% p.a.
0.50% p.a.
PropertyProperty trusts suit investors with a longterm timeframe (five years plus).
 BenchmarkMinimum investment amountsInvestment option management feeInvestment option buy/sell spread costsManagement fees that apply to your member account balance
Initial contributionAdditional contributionsAccount balanceMember account keeping fee for balances less than $20,000Plan administration management fee for the first $50,000Plan administraion management fee for the portion above $50,000
Vanguard® Australian Property Securities S&P/ASX 300 A-REIT Index $20,000
$200
$7,500
 0.36% p.a.
0.20%/ 0.20%
 $66 p.a.
0.75% p.a.
0.50% p.a.
Australian shares Shares are high risk and generally suited to longerterm investors (seven years plus)
 BenchmarkMinimum investment amountsInvestment option management feeInvestment option buy/sell spread costsManagement fees that apply to your member account balance
Initial contributionAdditional contributionsAccount balanceMember account keeping fee for balances less than $20,000Plan administration management fee for the first $50,000Plan administraion management fee for the portion above $50,000

Vanguard® Australian Shares

 S&P/ASX 300 Index $20,000
$200
$7,500
 0.36% p.a.
0.20%/ 0.10%
 $66 p.a.
0.75% p.a.
0.50% p.a.
International shares International Shares are high risk generally suited to longerterm investors (seven years plus)
 BenchmarkMinimum investment amountsInvestment option management feeInvestment option buy/sell spread costsManagement fees that apply to your member account balance
Initial contributionAdditional contributionsAccount balanceMember account keeping fee for balances less than $20,000Plan administration management fee for the first $50,000Plan administraion management fee for the portion above $50,000
Vanguard® International Shares MSCI World ex-Australia Index in AUD $20,000
$200
$7,500
 0.38% p.a.
0.30%/ 0.10%
 $66 p.a.
0.75% p.a.
0.50% p.a.
Vanguard® International  Shares (Hedged) MSCI World ex-Australia Index hedged to AUD $20,000
$200
$7,500
 0.41% p.a.
0.35%/ 0.15%
 $66 p.a.
0.75% p.a.
0.50% p.a.
Diversified Diversified funds allow investors to select the alternative that best matches their risk profiles.
 BenchmarkMinimum investment amountsInvestment option management feeInvestment option buy/sell spread costsManagement fees that apply to your member account balance
Initial contributionAdditional contributionsAccount balanceMember account keeping fee for balances less than $20,000Plan administration management fee for the first $50,000Plan administraion management fee for the portion above $50,000
Vanguard® LifeStrategy® Conservative 70% income and 30% growth (Weighted average of target indexes of the underlying Vanguard Wholesale Index Funds) $20,000
$200
$7,500
 0.35% p.a.
0.12%/ 0.09%
 $66 p.a.
0.75% p.a.
0.50% p.a.
Vanguard® LifeStrategy® Balanced 50% income and 50% growth (Weighted average of target indexes of the underlying Vanguard Wholesale Index Funds) $20,000
$200
$7,500
 0.36% p.a.
0.18%/ 0.12%
 $66 p.a.
0.75% p.a.
0.50% p.a.
Vanguard® LifeStrategy® Growth 30% income and 70% growth (Weighted average of target indexes of the underlying Vanguard Wholesale Index Funds) $20,000
$200
$7,500
 0.38% p.a.
0.23%/ 0.15%
 $66 p.a.
0.75% p.a.
0.50% p.a.
Vanguard® LifeStrategy® High Growth 10% income and 90% growth (Weighted average of target indexes of the underlying Vanguard Wholesale Index Funds) $20,000
$200
$7,500
 0.39% p.a.
0.26%/ 0.15%
 $66 p.a.
0.75% p.a.
0.50% p.a.

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GENERAL ADVICE WARNING

Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263 / RSE Licence L0001335) is the product issuer. We have not taken yours and your clients' circumstances into account when preparing our website content so it may not be applicable to the particular situation you are considering. You should consider yours and your clients' circumstances and our Product Disclosure Statement (PDS) or Prospectus before making any investment decision. You can access our PDS or Prospectus online or by calling us. This website was prepared in good faith and we accept no liability for any errors or omissions. Past performance is not an indication of future performance.

We are the trustee of: Vanguard® Personal Superannuation Plan ABN 81 550 468 553.

© 2012 Vanguard Investments Australia Ltd. All rights reserved. "Vanguard", "Vanguard Investments", "LifeStrategy" and the ship logo are the trademarks of The Vanguard Group, Inc.