Investments overview

LUCRF Super offers ten different investment options, including a MySuper Balanced (default) investment option that is available to everyone.

You can choose one or a combination of these options.

Our investment options are split into two categories:

Watch this short video on how we seek to build a robust investment portfolio that can weather the ups and downs of the share market.

 

 

Pre-mixed options

Each pre-mixed option contains a diversified mix of growth and defensive asset classes.
 

MySuper Balanced*

Risk
Medium to high

Investment strategy
To invest in a diversified range of investments, with a greater proportion in shares, property and alternative investments, and the remainder in cash and fixed interest.
 
High Growth           

Risk
High

Investment strategy
To invest in a diversified range of investments, including shares, property and alternative investments.
 
Targeted Return

Risk
Medium

Investment strategy
To invest in a portfolio of highly diversified assets which aim to provide strong above-inflation returns with low levels of volatility.
    Moderate

    Risk
    Medium to high

    Investment strategy
    To invest in a diversified range of investments including shares, alternative investments and fixed interest.
      Conservative

      Risk
      Low to medium

      Investment strategy
      To invest in a diversified range of investments including shares, property,alternative investments and fixed interest.

        *This is the same as the Balanced (default) investment option available to Pension members.

        Asset class options

        Each option invests in a single asset class.
         

         Australian Shares
        Risk
        Very high

        Investment strategy
        To invest totally in Australian shares on an actively managed basis.

         International Shares

        Risk
        High

        Investment strategy
        To invest in international shares on an actively managed basis.

         Indexed Shares

        Risk
        Very high

        Investment strategy
        To invest totally in shares on a passive basis, with approximately half in Australian shares and half in international shares.

        Property
        Risk
        Very high

        Investment strategy
        To invest totally in listed Australian property shares on a passive basis.

        Cash**
        Risk
        Very low

        Investment strategy
        To invest in a portfolio consisting primarily of bank deposits, but may include other short-term securities such as highly liquid fixed-interest investments or money market securities.

        From time to time, the Trustee may alter our MySuper Balanced or other investment options, or the investment strategy of an investment option. We may also add, close, or remove investment options. This may occur without prior notification or your consent.

        **The money invested in your cash option is invested in ME Bank deposits, up to the limit as specified in the Financial Claims Scheme (which, as at 1 October 2019, is $250,000). The amount above this level is invested in highly rated cash management trusts.