ANZ Smart Choice Pension

Relax with our 5 Star pension account

  • Receive a regular, tax-effective income from your 5 Star pension account – rated by CANSTAR as ‘Outstanding Value’
  • Receive your income monthly, quarterly, half yearly or annually – straight to your nominated ANZ bank account
  • Choice and control – high quality investments that give you as much or as little control of your superannuation as you want
  • Great value – no hidden charges or commissions.
Open an account online  Call 13 12 87
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Visibility

ANZ Smart Choice Pension sits alongside your ANZ Internet Banking, giving you a full view of your wealth at any time. Information on your pension is clear, easy to find and easy to understand.

  • See your pension alongside your other accounts at any time, using a single banking login
  • Enhanced online features available 24/7 via ANZ Internet Banking
  • Enjoy full mobility with our award-winning ANZ goMoney™ app
  • With ANZ Smart Choice Pension you'll never lose sight of your pension again.
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Choice and control

High quality investments allow you to take as much or as little control of your superannuation as you want.

We Select

An easy solution where we select the investment mix for you.

ANZ Smart Choice Super uses a unique way of managing your money based on where you are in your life. This 'Lifestage Investing' is centred on your age and changes with you throughout your life.

Of course some people want to be 'hands on' and manage their own money. ANZ Smart Choice Super gives you this choice with the Self Select option.

Date of birth

The investment option selected for you is ANZ Smart Choice Super 1980s

Please enable JavaScript to use the investment options calculator

Your fund is the ANZ Smart Choice 1980s fund

 

How your money is invested based on your age:

The chart displayed shows the mix of growth and defensive assets from age 16 to age 85. At 16 the percentage of growth assets is at around 90%, with defensive assets at 10%. As age increases the mix of growth vs defensive changes so that at retirement age (around 70 years old) the growth assets equal only 20% and defensive assets take up 80%.

 
Growth assets This includes investments such as shares and listed property securities which generally provide for a higher level of return with a higher level of associated risk.
Defensive assets This includes less volatile investments such as fixed interest and cash, which generally provide more secure and stable returns.
 
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Move to retirement
Asset allocation*

Based on your selected age (), the asset allocation of We Select will be:

  •   Cash  
  •   Australian fixed interest  
  •   Global fixed interest  
  •   Australian property securities  
  •   Global property securities  
  •   Australian shares  
  •   International shares  
Investment strategy

We Select provides you with exposure to both growth and defensive assets. As highlighted in the above illustration, the mix of these assets will change over time as you approach retirement, reducing your exposure to higher risk growth assets and increasing your holding of lower risk defensive assets. You will also benefit from expert, active management, designed to maximise the performance of your savings, regardless of market conditions.

Prefer to make your own decisions?

Check out our Self Select range of investment options - for those who want to be more involved with their investments.

Remember, you can regularly view your investment performance online 24/7 via ANZ Internet Banking and you can easily switch investment options.

Investment performance (as at 31 Mar 2013)#
Past performance is not indicative of future performance
As at Amount

Self Select

If you prefer to make your own decisions on where to invest your money.

Self Select allows you to choose from a range of carefully selected investment options and determine your own investment mix.

Diversified options:

Conservative
Conservative

Designed for investors who want to invest over the short to medium term with a low to medium level of risk. It invests in a mix of defensive and growth assets with a dominant bias to defensive assets.

Investment objective

Aims to achieve returns (before fees, charges and taxes) that on average exceed inflation by at least 2.5% p.a., over periods of three years or more.

Investment strategy

Invests in a combination of defensive and growth asset classes. The allocation to defensive assets will range between 76-84% of the portfolio with a neutral allocation of 80%. The allocation to growth assets will range from 16-24% with a neutral allocation of 20%.

To optimise performance, active asset allocation may be utilised to increase or decrease your exposure to relevant asset classes within permitted ranges.

Asset allocation* (as at 31 Mar 2013)#

  •   Cash 8.4%
  •   Australian fixed interest 35.9%
  •   Global fixed interest 35.8%
  •   Australian property securities 1.0%
  •   Global property securities 1.0%
  •   Australian shares 9.0%
  •   Global shares 8.9%

Investment performance (as at 31 Mar 2013)#

Past performance is not indicative of future performance
As at Amount
1 month 0.2%
3 months 2.0%
6 months 3.3%
1 Year 7.4%

Current risk profile

Low - Medium

Minimum time horizon

3 years

Moderate
Moderate

Designed for investors who want to invest over the medium term with a medium to high level of risk. This investment option invests in a mix of defensive and growth assets.

Investment objective

Aims to achieve returns (before fees, charges and taxes) that on average exceed inflation by at least 3.7% p.a., over periods of four years or more.

Investment strategy

Invests in a combination of defensive and growth asset classes. The allocation to defensive assets will range between 40-60% of the portfolio with a neutral allocation of 50%. The allocation to growth assets will range from 40-60% with a neutral allocation of 50%.

To optimise performance, active asset allocation may be utilised to increase or decrease your exposure to relevant asset classes within permitted ranges.

Asset allocation* (as at 31 Mar 2013)#

  •   Cash 5.4%
  •   Australian fixed interest 22.4%
  •   Global fixed interest 22.4%
  •   Australian property securities 2.5%
  •   Global property securities 2.5%
  •   Australian shares 22.5%
  •   Global shares 22.3%

Investment performance (as at 31 Mar 2013)#

Past performance is not indicative of future performance
As at Amount
1 month 0.1%
3 months 3.8%
6 months 6.3%
1 year 9.2%

Current risk profile

Medium

Minimum time horizon

4 years

Growth
Growth

Designed for investors who want to invest over the longer term with a high level of risk.

Investment objective

Aims to achieve returns (before fees, charges and taxes) that on average exceed inflation by at least 4.5% p.a., over periods of five years or more.

Investment strategy

Invests in a combination of defensive and growth asset classes. The allocation to growth assets will range between 60-90% of the portfolio with a neutral allocation of 75%. The allocation to defensive assets will range from 10-40% with a neutral allocation of 25%.

To optimise performance, active asset allocation may be utilised to increase or decrease your exposure to relevant asset classes within permitted ranges.

Asset allocation* (as at 31 Mar 2013)#

  •   Cash 2.9%
  •   Australian fixed interest 11.2%
  •   Global fixed interest 11.2%
  •   Australian property securities 3.7%
  •   Global property securities 3.7%
  •   Australian shares 33.7%
  •   Global shares 33.5%

Investment performance (as at 31 Mar 2013)#

Past performance is not indicative of future performance
As at Amount
1 month 0.1%
3 months 5.3%
6 months 8.9%
1 Year 10.7%

Current risk profile

Medium - High

Minimum time horizon

5 years

Sector specific options:

Cash
Cash

Designed for conservative investors who want very low levels of risk and to preserve their capital.

Investment objective

Aims to provide investors with a high level of capital security while achieving returns (before fees, charges and taxes) generally in line with cash management accounts and term deposits by investing in ANZ Bank deposits.

Investment strategy

Aims to meet its objectives by having exposure to a portfolio of term deposits and cash held at ANZ Bank.

Asset allocation* (as at 31 Mar 2013)#

  •   Cash 100%

Investment performance (as at 31 Mar 2013)#

Past performance is not indicative of future performance
As at Amount
1 month 0.2%
3 months 0.7%
6 months 1.4%
1 Year 3.2%

Current risk profile

Very Low

Minimum time horizon

Current

Current rate (as at 2 Jan 2012)

3.20% p.a.

The above rate is gross annualised before tax and is subject to change.
Global fixed interest
Global fixed interest

Designed for investors who are looking for hedged exposure to domestic and global listed property securities.

Investment objective

Seeks to match the return (including income and capital appreciation but before fees, charges and taxes) of the weighted exposure to the underlying Indices, which represents hedged exposure to global and domestic fixed interest securities.

Investment strategy

Aims to have exposure to both domestic and global bond Indices. The weightings may vary marginally from the indices from time to time. Derivatives are not utilised to leverage the portfolio.

Asset allocation* (as at 31 Mar 2013)#

  •   Cash 0.4%
  •   Australian fixed interest 5.0%
  •   Global fixed interest 94.6%

Investment performance (as at 31 Mar 2013)#

Past performance is not indicative of future performance
As at Amount
1 month 0.6%
3 months 0.9%
6 months 2.1%
1 Year 6.8%

Current risk profile

Medium

Minimum time horizon

3 - 4 years

Global property
Global property

Designed for investors who are looking for hedged exposure to domestic and global listed property securities.

Investment objective

Seeks to match the return (including income and capital appreciation but before fees, charges and taxes) of the weighted exposure to the underlying Indices, which represents hedged exposure to global and domestic listed property.

Investment strategy

Exposure to both domestic and global listed property securities Indices. The weightings may vary from time to time. The fund may invest in property securities that have been or are expected to be included in the indices. Derivatives are not utilised to leverage the portfolio.

Asset allocation* (as at 31 Mar 2013)#

  •   Cash 0.4%
  •   Australian property securities 10.0%
  •   Global property securities 89.6%

Investment performance (as at 31 Mar 2013)#

Past performance is not indicative of future performance
As at Amount
1 month 2.2%
3 months 7.0%
6 months 13.7%
1 Year 20.7%

Current risk profile

High

Minimum time horizon

5 years

Australian equities
Australian equities

Designed for investors who are looking for exposure to the Australian share market.

Investment objective

Seeks to match the return (including income and capital appreciation but before fees, charges and taxes) of the S&P/ASX 300 Total Return Index.

Investment strategy

Exposure to most of the shares in the index, allowing for individual share weightings to vary marginally from the index from time to time. The portfolio may invest in securities that have been or are expected to be included in the index. Derivatives are not utilised to leverage the portfolio.

Asset allocation* (as at 31 Mar 2013)#

  •   Cash 1.0%
  •   Australian shares 99.0%

Investment performance (as at 31 Mar 2013)#

Past performance is not indicative of future performance
As at Amount
1 month -1.8%
3 months 7.6%
6 months 14.0%
1 Year 16.8%

Current risk profile

High

Minimum time horizon

7 years

International equities
International equities

Designed for investors who are looking for hedged exposure to international share markets.

Investment objective

Seeks to match the return (including income and capital appreciation but before fees, charges and taxes) of the MSCI World ex-Australia Net Total Return Index 100% hedged to Australian Dollars.

Investment strategy

Exposure to most of the shares in the index, allowing for individual share weightings to vary marginally from the index from time to time. The fund may invest in shares that have been or are expected to be included in the index. Derivatives are not utilised to leverage the portfolio.

Asset allocation* (as at 31 Mar 2013)#

  •   Cash 0.4%
  •   Global shares 99.6%

Investment performance (as at 31 Mar 2013)#

Past performance is not indicative of future performance
As at Amount
1 month 2.4%
3 months 8.6%
6 months 11.8%
1 year 14.0%

Current risk profile

High

Minimum time horizon

7 years

Outstanding value

Recognised by CANSTAR as ‘outstanding value’, the ANZ Smart Choice Pension has been awarded the highly coveted Five Star award in the Account Based Pension category.

Our fees are some of the lowest in the market - no hidden charges and no commissions to financial advisers.

  • Administration Fee: $50 per annum
  • Investment Management Fee
    • Cash: Nil
    • All other options: 0.50% per annum
Typical fees on $50,000 p.a. is $935 (Average retail fund). $475 for ANZ Smart Choice Super.

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Need advice?

ANZ My Advice is a phone-based service that provides convenient access to limited and low cost financial advice on a select range of ANZ products covering:

  • Superannuation and retirement
  • Life insurance, critical illness and income protection
  • Savings and investing.

The first consultation only takes 30 minutes, and all costs are discussed prior to proceeding.

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