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Australian shares
Diversified
Name
Dimensional World 30/70 Portfolio (LI14)
Investment manager
DFA Australia
Investment manager
DFA Australia
Risk level
3 (Low to Medium)
Objective
The portfolio aims to provide a total return, consisting of capital appreciation and income, by gaining exposure to a diversified portfolio of domestic and global fixed interest securities, equity securities of companies and real estate securities listed on approved developed and emerging markets.
Investment approach
The portfolio will gain its exposure by investing in strategies managed by Dimensional that invest in equity, real estate and fixed interest securities. The portfolio will seek to target approximately 70% exposure to equities and 30% exposure to fixed interest assets.
Investment guidelines
Fixed interest 60-80%
Australian shares 6-16%
International shares 10-26%
Property 0-6%
APIR code
ALL4289AU
Suggested investment length
3 Years
Risk level
3 (Low to Medium)
Asset allocation (% as at 30 Jun 2024)
Cash
13.25
Australian fixed interest
7.11
Global fixed interest
49.61
Australian Property
0.64
Global Property
0.35
Australian Shares
10.25
Global Shares
18.79
Other
0
Gearing
0
Unit Price (as at )
Entry Price ($)
Exit Price ($)
Name
Dimensional World 50/50 Portfolio (LI10)
Investment manager
DFA Australia
Investment manager
DFA Australia
Risk level
5 (Medium to High)
Objective
The portfolio aims to provide a total return, consisting of capital appreciation and income, by gaining exposure to a diversified portfolio of companies and real estate securities listed on approved developed and emerging markets, and domestic and global fixed interest securities.
Investment approach
The portfolio will gain its exposure by investing in strategies managed by Dimensional that invest in equity, real estate and fixed interest securities. The portfolio will seek to target approximately 50% exposure to equities and 50% exposure to fixed interest assets.
Investment guidelines
Fixed interest 40-60%
Australian shares 8-28%
International shares 15-43.5%
Property 0-8.5%
APIR code
ALL5526AU
Suggested investment length
4 Years
Risk level
5 (Medium to High)
Asset allocation (% as at 30 Jun 2024)
Cash
6.74
Australian fixed interest
4.55
Global fixed interest
38.38
Australian Property
1.15
Global Property
0.59
Australian Shares
16.95
Global Shares
31.64
Other
0
Gearing
0
Unit Price (as at )
Entry Price ($)
Exit Price ($)
Name
Dimensional World 70/30 Portfolio (LI11)
Investment manager
DFA Australia
Investment manager
DFA Australia
Risk level
6 (High)
Objective
The portfolio aims to provide a total return, consisting of capital appreciation and income, by gaining exposure to a diversified portfolio of companies and real estate securities listed on approved developed and emerging markets, and domestic and global fixed interest securities.
Investment approach
The portfolio will gain its exposure by investing in strategies managed by Dimensional that invest in equity, real estate and fixed interest securities. The portfolio will seek to target approximately 70% exposure to equities and 30% exposure to fixed interest assets.
Investment guidelines
Fixed interest 20-40%
Australian shares 15-35%
International shares 25-55%
Property 0-10%
APIR code
ALL1307AU
Suggested investment length
5 Years
Risk level
6 (High)
Asset allocation (% as at 30 Jun 2024)
Cash
1
Australian fixed interest
1.84
Global fixed interest
27.25
Australian Property
1.57
Global Property
0.83
Australian Shares
23.24
Global Shares
44.27
Other
0
Gearing
0
Unit Price (as at )
Entry Price ($)
Exit Price ($)
Name
Dimensional World Equity Portfolio (LI15)
Investment manager
DFA Australia
Investment manager
DFA Australia
Risk level
6 (High)
Objective
The portfolio aims to provide a total return, consisting of capital appreciation and income, by gaining exposure to a diversified portfolio of companies and real estate securities listed on approved developed and emerging markets.
Investment approach
The portfolio will gain its exposure by investing in strategies managed by Dimensional that invest in equity and real estate securities.
Investment guidelines
Australian shares 26-46%
International shares – developed 40-60%
International shares – emerging 2-12%
International property securities 2-12%
APIR code
ALL5769AU
Suggested investment length
5 Years
Risk level
6 (High)
Asset allocation (% as at 30 Jun 2024)
Cash
0.56
Australian fixed interest
0
Global fixed interest
0
Australian Property
2.29
Global Property
1.17
Australian Shares
33.82
Global Shares
62.16
Other
0
Gearing
0
Unit Price (as at )
Entry Price ($)
Exit Price ($)
Name
Generation Life Lifestyle Portfolio (LI27)
Investment manager
Fidelity International
Investment manager
Fidelity International
Risk level
5 (Medium to High)
Objective
To outperform the benchmark by 5.0% p.a. over rolling 5-year periods.
The benchmark is the 5-year rolling annualised change of Self-Fund Retiree Living Cost Index (LCI). The LCI is published by the Australian Bureau of Statistics.
Investment approach
The manager’s approach to real return investing is to choose the portfolio that has the highest probability of achieving the required return objective over the investment horizon with a focus on capital preservation.
This portfolio has been designed to meet the needs of LifeIncome investors. In actively managing the portfolio, the Investment Manager will tactically allocate investments across asset classes and geographic areas (including emerging markets) based on their potential to generate capital growth or reduce overall risk.
Investment guidelines
Up until 30 June 2023 applications will be held on deposit by Generation Life and then on 17 July 2023 will be invested as per the allocation guidelines below.
The fund invests in a range of asset classes including equities, corporate and government bonds, commodities, money market instruments and eligible REITs globally, including emerging markets. The fund may also Invest in other subordinated financial debt and preference shares.
The fund may use derivatives for efficient portfolio management and
investment purposes.
The fund may invest in the following assets: Defensive assets 0-60%
Growth assets 40-100%
APIR code
ALL6533AU
Suggested investment length
5 years
Risk level
5 (Medium to High)
Download summaryAsset allocation (% as at 30 Jun 2024)
Cash
0
Australian fixed interest
0.96
Global fixed interest
23.62
Australian Property
0
Global Property
0
Australian Shares
32.72
Global Shares
42.7
Other
0
Gearing
0
Unit Price (as at )
Entry Price ($)
Exit Price ($)
Name
Generation Life Protect Portfolio (LI28)
Investment manager
Fidelity International
Investment manager
Fidelity International
Risk level
3 (Low to Medium)
Objective
To outperform the benchmark by 2.5% p.a. over rolling 5-year periods.
The benchmark is the 5-year rolling annualised change of Self-Fund Retiree Living Cost Index (LCI). The LCI is published by the Australian Bureau of Statistics.
Investment approach
The manager’s approach to real return investing is to choose the portfolio that has the highest probability of achieving the required return objective over the investment horizon with a focus on capital preservation.
This portfolio has been designed to meet the needs of LifeIncome investors. In actively managing the portfolio, the Investment Manager will tactically allocate investments across asset classes and geographic areas (including emerging markets) based on their potential to generate capital growth or reduce overall risk.
Investment guidelines
Up until 30 June 2023 applications will be held on deposit by Generation Life and then on 17 July 2023 will be invested as per the allocation guidelines below.
The fund invests in a range of asset classes including equities, corporate and government bonds, commodities, money market instruments and eligible REITs globally, including emerging markets. The fund may also Invest in other subordinated financial debt and preference shares.
The fund may use derivatives for efficient portfolio management and investment purposes.
The fund may invest in the following assets: Defensive assets 40-100%
Growth assets 0-50%
APIR code
ALL9168AU
Suggested investment length
3 years
Risk level
3 (Low to Medium)
Asset allocation (% as at 30 Jun 2024)
Cash
6.89
Australian fixed interest
10.34
Global fixed interest
51.54
Australian Property
0
Global Property
0
Australian Shares
10.11
Global Shares
18.07
Other
3.05
Gearing
0
Unit Price (as at )
Entry Price ($)
Exit Price ($)
Name
Schroder Real Return Fund (LI12)
Investment manager
Schroders
Investment manager
Schroders
Risk level
5 (Medium to High)
Objective
To achieve a return of CPI plus 4% to 5% p.a. (before fees and tax) over rolling 3-year periods while minimising the incidence and size of negative returns in doing so. CPI is defined as the Reserve Bank of Australia’s Trimmed Mean, as published by the Australian Bureau of Statistics.
Investment approach
The manager’s approach to inflation plus (or real return) investing is to choose the portfolio that has the highest probability of achieving the required return objective over the investment horizon with the least expected variability around this objective. The fund employs an objective based asset allocation framework in which both asset market risk premium, and consequently the asset allocation of the portfolio are constantly reviewed. The portfolio will reflect those assets that in combination are most closely aligned to the delivery of the objective.
Investment guidelines
Investments are predominantly in traditional assets, with no leverage and strict limits on exposure to liquidity constrained alternatives which enhances the transparency and liquidity of the portfolios.
Assets are classified in three broad types of investments according to the likely returns and the risk:
• Growth assets, typically shares and property securities;
• Diversifying assets, typically higher yielding debt, objective based investments and alternatives; and
• Defensive assets, typically investment grade debt securities, cash and equivalent investments.
Growth assets 0-75%
Diversifying assets 0-75%
Defensive assets 0-100%
APIR code
ALL5032AU
Suggested investment length
3 Years
Risk level
5 (Medium to High)
Asset allocation (% as at 30 Jun 2024)
Cash
11.14
Australian fixed interest
25.51
Global fixed interest
28.98
Australian Property
0
Global Property
0
Australian Shares
6.14
Global Shares
28.23
Other
0
Gearing
0
Unit Price (as at )
Entry Price ($)
Exit Price ($)
Name
Vanguard Balanced Portfolio (LI08)
Investment manager
Vanguard Investments
Investment manager
Vanguard Investments
Risk level
4 (Medium)
Objective
Seeks to track the return of the various indices of the underlying funds in proportion to the strategic asset allocation for the portfolio before taking into account fees, expenses and tax.
Investment approach
The portfolio provides low-cost access to a range of Vanguard sector funds, offering broad diversification across multiple asset classes. It seeks to replicate the asset allocation of the Vanguard Balanced Index strategy and is equally invested in income and growth assets. It is designed for investors with a medium tolerance for risk. The portfolio targets a 50% allocation to income asset classes and a 50% allocation to growth asset classes.
Investment guidelines
Australian fixed interest 13-17%
International fixed interest 33-37%
Australian shares 18-22%
International shares 22-38%
APIR code
ALL8627AU
Suggested investment length
5 Years
Risk level
4 (Medium)
Asset allocation (% as at 30 Jun 2024)
Cash
0
Australian fixed interest
15.01
Global fixed interest
35
Australian Property
0
Global Property
0
Australian Shares
19.97
Global Shares
30.02
Other
0
Gearing
0
Unit Price (as at )
Entry Price ($)
Exit Price ($)
Name
Vanguard Conservative Portfolio (LI07)
Investment manager
Vanguard Investments
Investment manager
Vanguard Investments
Risk level
3 (Low to Medium)
Objective
Seeks to track the return of the various indices of the underlying funds in proportion to the strategic asset allocation for the portfolio, before taking into account fees, expenses and tax.
Investment approach
The portfolio provides low-cost access to a range of Vanguard sector funds, offering broad diversification across multiple asset classes. It seeks to replicate the asset allocation of the Vanguard Conservative Index strategy and is biased towards income assets. It is designed for investors with a low tolerance for risk. The fund targets a 70% allocation to income asset classes and a 30% allocation to growth asset classes.
Investment guidelines
Cash 8-12%
Australian fixed interest 16-20%
International fixed interest 40-44%
Australian shares 10-14%
International shares 10-26%
APIR code
ALL9456AU
Suggested investment length
3 Years
Risk level
3 (Low to Medium)
Asset allocation (% as at 30 Jun 2024)
Cash
10.02
Australian fixed interest
17.97
Global fixed interest
42.08
Australian Property
0
Global Property
0
Australian Shares
11.97
Global Shares
17.96
Other
0
Gearing
0
Unit Price (as at )
Entry Price ($)
Exit Price ($)
Name
Vanguard Growth Portfolio (LI09)
Investment manager
Vanguard Investments
Investment manager
Vanguard Investments
Risk level
6 (High)
Objective
Seeks to track the return of the various indices of the underlying funds in proportion to the strategic asset allocation for the portfolio before taking into account fees, expenses and tax.
Investment approach
The portfolio provides low-cost access to a range of Vanguard sector funds, offering broad diversification across multiple asset classes. It seeks to replicate the asset allocation of the Vanguard Growth Index strategy and is biased towards growth assets. It is designed for investors with a high tolerance for risk. The portfolio targets a 30% allocation to income asset classes and a 70% allocation to growth asset classes.
Investment guidelines
Australian fixed interest 7-11%
International fixed interest 19-23%
Australian shares 26-30%
International shares 34-50%
APIR code
ALL2116AU
Suggested investment length
7 Years
Risk level
6 (High)
Asset allocation (% as at 30 Jun 2024)
Cash
0
Australian fixed interest
8.96
Global fixed interest
20.92
Australian Property
0
Global Property
0
Australian Shares
28.18
Global Shares
41.94
Other
0
Gearing
0
Unit Price (as at )
Entry Price ($)
Exit Price ($)
Name
Vanguard High Growth Portfolio (LI13)
Investment manager
Vanguard Investments
Investment manager
Vanguard Investments
Risk level
6 (High)
Objective
Seeks to track the return of the various indices of the underlying funds in proportion to the strategic asset allocation for the portfolio before taking into account fees, expenses and tax.
Investment approach
Seeks to track the return of the various indices of the underlying funds in proportion to the strategic asset allocation for the portfolio before taking into account fees, expenses and tax.
Investment guidelines
Australian fixed interest 1-5%
International fixed interest 5-9%
Australian shares 34-38%
International shares 46-62%
APIR code
ALL0071AU
Suggested investment length
7 Years
Risk level
6 (High)
Asset allocation (% as at 30 Jun 2024)
Cash
0
Australian fixed interest
2.98
Global fixed interest
6.94
Australian Property
0
Global Property
0
Australian Shares
36.15
Global Shares
53.93
Other
0
Gearing
0
Unit Price (as at )
Entry Price ($)
Exit Price ($)