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Investment approach

August 05 2021

Our aim is to help every member achieve a comfortable and financially secure life in retirement through consistent investment performance that delivers above average returns over the long term. At ESSSuper, we have a range of foundational principles that we adhere to when it comes to making these decisions.

When it comes to investing your super, partnering with ESSSuper can help you find a steady course to reach your financial destination.

 
The market can be unpredictable. Popular investment options can be just as liable to downturns. That's why we don't get distracted by the big trends, or get lured into popular ventures. We stick to a designated and reliable investment model that might not hit the highest peaks, but aims to better avoid the troughs.

The chart below shows how differently an investment of $100 can perform over a 10 year period (to 30 June 2021). By providing stronger downside protection, our Growth investment option avoided large losses during market downturns compared to the Australian share market over the same period.

Popular investments can be just as liable to downturns
Date ESSSuper Growth option Australian shares
7/29/2011 101.11 94.85
8/31/2011 100.02 92.97
9/30/2011 99.22 87.14
10/31/2011 101.31 93.44
11/30/2011 100.97 90.23
12/30/2011 101.40 88.93
1/31/2012 103.23 93.49
2/29/2012 105.14 95.40
3/30/2012 106.59 96.56
4/30/2012 107.08 97.82
5/31/2012 105.46 91.23
6/29/2012 106.75 91.71
7/31/2012 108.10 95.57
8/31/2012 109.87 97.61
9/28/2012 111.30 99.74
10/31/2012 112.14 102.65
11/30/2012 112.63 103.05
12/31/2012 114.32 106.48
1/31/2013 116.77 111.79
2/28/2013 118.54 117.7
3/29/2013 118.90 115.05
4/30/2013 121.13 119.99
5/31/2013 122.30 114.55
6/28/2013 121.84 111.80
7/31/2013 124.62 117.72
8/30/2013 124.72 120.68
9/30/2013 126.18 123.28
10/31/2013 128.48 128.13
11/29/2013 129.49 126.40
12/31/2013 131.43 127.44
1/31/2014 130.45 123.62
2/28/2014 133.04 129.70
3/31/2014 133.35 129.97
4/30/2014 134.26 132.16
5/30/2014 135.70 133.01
6/30/2014 136.70 131.08
7/31/2014 137.66 136.87
8/29/2014 138.64 137.75
9/30/2014 137.98 130.35
10/31/2014 139.14 135.91
11/28/2014 140.74 131.51
12/31/2014 141.98 134.19
1/30/2015 144.34 138.52
2/27/2015 147.62 148.10
3/31/2015 148.81 148.03
4/30/2015 148.76 145.59
5/29/2015 150.23 146.21
6/30/2015 147.96 138.44
7/31/2015 150.11 144.41
8/31/2015 146.67 133.30
9/30/2015 145.07 129.49
10/30/2015 148.81 135.21
11/30/2015 148.64 134.29
12/31/2015 148.35 137.95
1/29/2016 145.23 130.44
2/29/2016 145.48 128.19
3/31/2016 147.74 134.31
4/29/2016 149.55 138.79
5/31/2016 152.02 143.15
6/30/2016 151.70 139.65
7/29/2016 155.03 148.53
8/31/2016 155.65 146.22
9/30/2016 155.84 146.97
10/31/2016 154.71 143.77
11/30/2016 155.99 147.81
12/30/2016 158.86 154.22
1/31/2017 159.20 153.03
2/28/2017 160.78 156.37
3/31/2017 162.57 161.49
4/28/2017 164.64 163.08
5/31/2017 166.32 158.60
6/30/2017 166.35 158.95
7/31/2017 166.44 158.98
8/31/2017 167.35 160.17
9/29/2017 168.32 160.22
10/31/2017 171.00 166.66
11/30/2017 173.01 169.48
12/29/2017 173.91 172.63
1/31/2018 175.78 171.95
2/28/2018 175.61 172.54
3/30/2018 174.35 166.11
4/30/2018 177.06 172.38
5/31/2018 177.92 174.44
6/29/2018 179.88 180.00
7/31/2018 181.47 182.35
8/31/2018 182.94 184.91
9/28/2018 183.35 182.70
10/31/2018 179.14 171.46
11/30/2018 178.25 167.73
12/31/2018 176.14 167.35
1/31/2019 180.18 173.82
2/28/2019 183.75 184.26
3/29/2019 185.11 185.61
4/30/2019 188.46 190.18
5/31/2019 187.83 193.50
6/28/2019 191.51 200.55
7/31/2019 193.40 206.51
8/30/2019 192.66 201.82
9/30/2019 194.24 205.67
10/31/2019 195.35 204.89
11/29/2019 198.19 211.41
12/31/2019 198.07 207.13
1/31/2020 201.97 217.25
2/28/2020 197.70 200.38
3/31/2020 182.25 158.64
4/30/2020 186.42 172.96
5/29/2020 189.44 180.88
6/30/2020 191.36 185.28
7/31/2020 193.57 186.40
8/31/2020 196.48 192.08
9/30/2020 194.96 185.18
10/30/2020 196.18 188.67
11/30/2020 204.50 207.97
12/31/2020 206.49 210.72
1/29/2021 206.90 211.42
2/26/2021 207.90 214.54
3/31/2021 210.92 219.46
4/30/2021 215.21 227.58
5/31/2021 216.37 232.84
6/30/2021 221.25 238.08

 

About this information:

  • As the default option for ESSSuper, our Growth investment option may be suitable if you're most interested in long term capital growth and can accept short term volatility of capital. Growth Option returns are depicted net of taxes and investment fees, and no allowance has been made for account keeping fees.
  • Australian shares are represented by the S&P/ASX 300 Accumulation Index, which is Australia's leading share market index and contains the top 300 ASX listed companies by float-adjusted market capitalisation. Figures sourced from Factset financial data and analytics (factset.com).

Investment returns cannot be guaranteed as investment markets can be volatile. As a consequence, returns can be positive or negative. Past performance is not a reliable indicator of future performance. Benefits in ESSSuper's Accumulation Plan, Income Streams and Beneficiary Account products are not guaranteed or underwritten by the Victorian Government or ESSSuper, and ESSSuper does not come under the jurisdiction of the Australian Financial Complaints Authority. ESSSuper comes under the jurisdiction of the Victorian Civil and Administrative Tribunal.
 

We believe the keys to sure and steady investment returns are:

  • Extended purchasing power
  • Avoiding large losses during market downturns
  • Stable investment structure.

Your investment has to go the distance. The average life span has been increasing. Prices are generally increasing. That's why you need your investments to deliver returns above inflation over the long term to have continued purchasing power. Afford it now and afford it then.

Staying on track. Investments can be volatile, so we make choices that aspire to provide steady traction during the investment journey and aim to help members achieve a financially secure life in retirement.

Careful decisions can strengthen your investment. We make calculated and informed decisions, always weighing up the risks and opportunities that target solid growth and maximum strength.

Every expense is wisely allocated. We leave solid, steady investments to do what they do best – grow. Every expense is extremely considered with multiple investments efficiently managed. That's how we intend to keep precious dollars going back into your balance.

We aim to balance the scales in your favour with a careful division of assets. We'll never put all of your eggs into one basket, but we prefer to invest in assets that endeavour to provide the stability to generate long term results. This means the majority of your investment is likely to have a more stable foundation within tangible, real world assets.

Responsible investments that have a conscience. We observe the principles of responsible investing by acknowledging that there are environmental, social, and governance (ESG) factors, such as climate change, that have the potential to affect the financial performance of our investments.

Why chase rainbows when your pot of gold is in good hands? Your super has been invested with us all this time. With us as your driving partner, we'll help you find a steady course to reach your financial destination.


 


Emergency Services Superannuation Board (ABN 28 161 296 741), the Trustee of the Emergency Services Superannuation Scheme (ABN 85 894 637 037) (ESSSuper).

The information contained on this page is of a general nature only. It should not be considered as a substitute for reading ESSSuper's Product Disclosure Statement (PDS) that contains detailed information about ESSSuper products, services and features. Before making a decision about an ESSSuper product, you should consider the appropriateness of the product to your personal objectives, financial situation and needs. It may also be beneficial to seek professional advice from a licensed financial planner or adviser. An ESSSuper PDS is available at esssuper.com.au/pds or by contacting us.