Superannuation

Property

Property trusts offer a combination of growth and income asset attributes. Traditionally, they have provided long-term capital growth with lower risk than shares. They tend to suit investors with a longer-term investment timeframes (five years plus).

Property trusts provide access to a diverse mix of professionally managed properties across geographic regions and real estate sectors.

Vanguard’s Personal Superannuation Plan Property Securities option is available to super investors with a minimum initial contribution of $20,000.

Benefits

access a diverse mix of properties across different locations and sectors
long-term capital growth potential
potential for more tax-effective returns
diversified approach lowers risk and increases investment opportunities
increase diversification through an alternative asset class to shares

Take the next step

Resources

Superannuation fee comparison calculator

Introduction to superannuation
How to save more for your retirement
Super for your lifestage
Plain Talk® guides
Please note:
These links takes you to the Personal investors site, to return here please select the "Financial advisers" link at the top of the screen.

Personal Superannuation Plan - Investment Options at a Glance*

Show all options or Hide all options.

Cash Cash funds suit investors who prefer capital stability and regular income to longterm growth.

	Benchmark	Minimum investment amounts			Investment option management fee	Investment option buy/sell spread costs	Management fees that apply to your member account balance
	Benchmark	Initial contribution	Additional contributions	Account balance	Investment option management fee	Investment option buy/sell spread costs	Member account keeping fee for balances less than $20,000	Plan administration management fee for the first $50,000	Plan administraion management fee for the portion above $50,000
Vanguard® Cash Plus	A customised Index, the Vanguard® Cash Plus Index	$20,000	$200	$7,500	0.29% p.a.	Nil	$66 p.a.	0.75% p.a.	0.50% p.a.

Fixed interest Fixed interest funds suit short to mediumterm investors seeking a steady and reliable income stream..

	Benchmark	Minimum investment amounts			Investment option management fee	Investment option buy/sell spread costs	Management fees that apply to your member account balance
	Benchmark	Initial contribution	Additional contributions	Account balance	Investment option management fee	Investment option buy/sell spread costs	Member account keeping fee for balances less than $20,000	Plan administration management fee for the first $50,000	Plan administraion management fee for the portion above $50,000
Vanguard® Australian Fixed Interest	UBS Australian Composite Bond Index	$20,000	$200	$7,500	0.31% p.a.	0.10% / 0.10%	$66 p.a.	0.75% p.a.	0.50% p.a.

PropertyProperty trusts suit investors with a longterm timeframe (five years plus).

	Benchmark	Minimum investment amounts			Investment option management fee	Investment option buy/sell spread costs	Management fees that apply to your member account balance
	Benchmark	Initial contribution	Additional contributions	Account balance	Investment option management fee	Investment option buy/sell spread costs	Member account keeping fee for balances less than $20,000	Plan administration management fee for the first $50,000	Plan administraion management fee for the portion above $50,000
Vanguard® Australian Property Securities	S&P/ASX 300 A-REIT Index	$20,000	$200	$7,500	0.31% p.a.	0.20%/ 0.20%	$66 p.a.	0.75% p.a.	0.50% p.a.

Australian shares Shares are high risk and generally suited to longerterm investors (seven years plus)

	Benchmark	Minimum investment amounts			Investment option management fee	Investment option buy/sell spread costs	Management fees that apply to your member account balance
	Benchmark	Initial contribution	Additional contributions	Account balance	Investment option management fee	Investment option buy/sell spread costs	Member account keeping fee for balances less than $20,000	Plan administration management fee for the first $50,000	Plan administraion management fee for the portion above $50,000
Vanguard® Australian Shares	S&P/ASX 300 Index	$20,000	$200	$7,500	0.36% p.a.	0.20%/ 0.10%	$66 p.a.	0.75% p.a.	0.50% p.a.

International shares International Shares are high risk generally suited to longerterm investors (seven years plus)

	Benchmark	Minimum investment amounts			Investment option management fee	Investment option buy/sell spread costs	Management fees that apply to your member account balance
	Benchmark	Initial contribution	Additional contributions	Account balance	Investment option management fee	Investment option buy/sell spread costs	Member account keeping fee for balances less than $20,000	Plan administration management fee for the first $50,000	Plan administraion management fee for the portion above $50,000
Vanguard® International Shares	MSCI World ex-Australia Index in AUD	$20,000	$200	$7,500	0.36% p.a.	0.30%/ 0.10%	$66 p.a.	0.75% p.a.	0.50% p.a.
Vanguard® International Shares (Hedged)	MSCI World ex-Australia Index hedged to AUD	$20,000	$200	$7,500	0.41% p.a.	0.35%/ 0.15%	$66 p.a.	0.75% p.a.	0.50% p.a.

Diversified Diversified funds allow investors to select the alternative that best matches their risk profiles.

	Benchmark	Minimum investment amounts			Investment option management fee	Investment option buy/sell spread costs	Management fees that apply to your member account balance
	Benchmark	Initial contribution	Additional contributions	Account balance	Investment option management fee	Investment option buy/sell spread costs	Member account keeping fee for balances less than $20,000	Plan administration management fee for the first $50,000	Plan administraion management fee for the portion above $50,000
Vanguard® LifeStrategy® Conservative	70% income and 30% growth (Weighted average of target indexes of the underlying Vanguard Wholesale Index Funds)	$20,000	$200	$7,500	0.35% p.a.	0.15%/ 0.10%	$66 p.a.	0.75% p.a.	0.50% p.a.
Vanguard® LifeStrategy® Balanced	50% income and 50% growth (Weighted average of target indexes of the underlying Vanguard Wholesale Index Funds)	$20,000	$200	$7,500	0.36% p.a.	0.20%/ 0.15%	$66 p.a.	0.75% p.a.	0.50% p.a.
Vanguard® LifeStrategy® Growth	30% income and 70% growth (Weighted average of target indexes of the underlying Vanguard Wholesale Index Funds)	$20,000	$200	$7,500	0.38% p.a.	0.25%/ 0.15%	$66 p.a.	0.75% p.a.	0.50% p.a.
Vanguard® LifeStrategy® High Growth	10% income and 90% growth (Weighted average of target indexes of the underlying Vanguard Wholesale Index Funds)	$20,000	$200	$7,500	0.39% p.a.	0.30%/ 0.20%	$66 p.a.	0.75% p.a.	0.50% p.a.

* Information correct as of March 1 2010.