Super investment options and fees

Crescent Wealth provides its members the opportunity to invest their Super based on their investment style and the level of risk and return they are comfortable with.

Investment options

Crescent Wealth Conservative

Description

Investments are made in income producing asset classes. Suitable for investors with a low risk threshold who are investing for the medium term.

Investment Objective
  • To achieve an average net return which is 1% p.a. above inflation over rolling 3 year periods
  • To provide stable income with potential for capital growth on income producing investments with low volatility
  • To limit the frequency of a negative return to 1 in 30 years
Suggested Minimum Time Frame

Medium Term - 3 years or more

Target Allocation†

30% Growth Assets

70% Defensive Assets

Risk Level

Low

Administrative Fee (Fixed fee)*

$86.28 per annum

Administration Fee (percentage)*

0.565% p.a.

Indirect Cost Ratio

Est at 0.79% pa

†. Target allocation is a strategic benchmark only. Actual allocations may vary within the described ranges

* The fixed Administration Fee will be indexed annually in line with Consumer Price Index each July. Note: all fees are inclusive of Goods and services tax & Reduced income tax credit.

Australian Equity 
(5%)
International Equity 
(10%)
Listed Property 
(10%)
Direct Property 
(8%)
Cash / fixed income 
(67%)

Crescent Wealth Balanced

Description

Investments are made in a mix of growth and defensive assets. Suitable for investors with a medium level of risk who are investing for the medium to long term.

Investment Objective
  • To achieve an average net return which is 3% p.a. above inflation over rolling 5 year periods
  • To provide a balance of income and capital growth
  • To limit the frequency of a negative return to 1 in 7 years
Suggested Minimum Time Frame

Medium to Long Term - 5 years

Target Allocation†

70% Growth Assets

30% Defensive Assets

Risk Level

Medium

Administrative Fee (Fixed fee)*

$86.28 per annum

Administration Fee (percentage)*

0.565% p.a.

Indirect Cost Ratio

Est at 1.23% pa

†. Target allocation is a strategic benchmark only. Actual allocations may vary within the described ranges

* The fixed Administration Fee will be indexed annually in line with Consumer Price Index each July. Note: all fees are inclusive of Goods and services tax & Reduced income tax credit.

Australian Equity 
(15%)
International Equity 
(35%)
Listed Property 
(10%)
Direct Property 
(10%)
Cash / fixed income 
(30%)

Crescent Wealth Growth

Description

Investments are made in long term growth assets. Suitable for investors who are comfortable with a higher level of risk and investing for the longer term.

Investment Objective
  • To achieve an average net return which is 4% p.a. above inflation over rolling 7 year periods
  • To provide a balance of income and capital growth
  • To limit the frequency of a negative return to 1 in 5 years
Suggested Minimum Time Frame

Long Term - 7 years or more

Target Allocation†

85% Growth Assets

15% Defensive Assets

Risk Level

Medium to High

Administrative Fee (Fixed fee)*

$86.28 per annum

Administration Fee (percentage)*

0.565% p.a.

Indirect Cost Ratio

Est at 1.33% pa

†. Target allocation is a strategic benchmark only. Actual allocations may vary within the described ranges

* The fixed Administration Fee will be indexed annually in line with Consumer Price Index each July. Note: all fees are inclusive of Goods and services tax & Reduced income tax credit.

Australian Equity 
(20%)
International Equity 
(40%)
Listed Property 
(15%)
Direct Property 
(15%)
Cash / fixed income 
(10%)

No establishment fees, No withdrawal fees, No upfront contribution fees, No termination fees