Once you have decided what rate of return is required to meet your investment objective there are a number of ways you can execute your decision. This can be done using a variety of diversified funds, sector specialist funds or direct investment - for example shares.
Diversified Funds
Diversified Funds spread the investments over a variety of asset sectors. They can take the work out of deciding which asset and how much to invest in, as the fund manager does it for you.
The table below shows a number of diversified portfolios ranging from Conservative, which tend to have a lower risk profile to High Growth, which have a greater allocation to higher risk assets such as Australian and international shares.
Diversified Funds
Portfolio name
Cash
Fixed Interest
Australian Equity
Property
International Equity
Conservative
30%
50%
10%
2%
8%
Moderate
20%
40%
18%
8%
14%
Balanced
20%
20%
35%
10%
15%
Growth
5%
15%
40%
10%
30%
Aggressive
0%
0%
50%
10%
40%
Most fund managers name their diversified funds as they relate to specific risk profiles, i.e. Conservative, Balanced and Growth.
By using our Find a fund facility you will find the following "Sector/Asset Class" categories which will provide further information and research on the Diversified funds we cover through our website :
Multisector - Conservative funds have portfolios that are invested in a number of sectors and have 20% or less of their investments in growth sectors.
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Multisector - Moderate consists of funds that invest in a number of sectors and have between 21% and 40% of their investments exposed to the growth sectors.
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Multisector - Balanced funds invest in a number of sectors and have 41% to 60% of their assets in growth sectors.
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Multisector - Growth funds invest in a number of sectors and have between 61% and 80% of their assets in growth sectors.
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Multisector - Aggressive funds invest in a number of sectors and have over 80% of their assets in growth sectors.
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