Superannuation

International Shares (Hedged)

Investment details and fees

Minimum investment amounts

Initial contribution$20,000

Additional contributions$200

Minimum account balance$7,500

Fees and costs

Establishment feeNil

Contribution feeNil

Member account keeping fee$66 p.a
(balances less than $20,000)

Withdrawal fee$71.50
(on each amount withdrawn)

Switching feeNil

Plan administration
management fees

First $50,0000.75% p.a

Balance over $50,0000.50% p.a

Investment option
management fee
0.41% p.a

Buy spread cost (purchase)0.40%

Sell spread cost (withdrawal)0.20%

Investing internationally can increase your diversification and provide access to companies and industries not available in Australia. After all, the Australian market represents less than 3% of total global shares.

The Vanguard International Shares (Hedged) investment option invests in most of the securities in the index providing maximum diversification. The investment option is hedged to Australian dollars so the return of the investment option is relatively unaffected by currency fluctuations.

Who it may suit

long-term investors (usually seven years plus)
investors seeking long-term capital growth
investors seeking a tax-effective investment
investors using a core/satellite strategy seeking an index fund for the core of their international shares portfolio
investors seeking an international investment without the currency impact
investors seeking a tax-effective investment

Objectives

To match the return (income and capital appreciation) of the MSCI World ex-Australia Index (with net dividends reinvested) hedged to Australian dollars, before taking into account fees, expenses, and taxes.

Benefits

Diversification

the MSCI World ex-Australia Index comprises approximately 1,600 securities (shares) listed on exchanges of 22 of the world’s major developed economies.
provides diversification and the potential for long-term capital growth.

Capital growth potential

offers long-term capital growth potential through its diversified portfolio of international shares

Access investment opportunities not available in Australia

provides access to some of the world's largest companies. You can also access new and growing industries not represented in Australia.

Fully hedged into the Australian dollar

protects against currency fluctuations.

Low scaled fees

low management fees and no entry fees (other than buy/sell spread costs)
scaled management fees apply to balances over $50,000

Flexibility

contribute directly or through your employer, make spouse contributions or use the plan to build your retirement savings if self-employed.
complimentary rollover service

Take the next step

Knowledge Centre

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	0.31% 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.	0.20% / 0.20%	$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	0.36% 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	0.38% 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.	0.40%/ 0.20%	$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.