How did your super perform in 2013?

Your super’s ‘performance’ – ie the return on its underlying investments – is one of the two most critical factors that determine how much super money you’ll end up with. (The other is simply how much money you, and/or your employer, pay into your account over your working life.)

Generally speaking, 2013 was a very good year for super investors, particular those in more growth orientated investment options. A strong performance from international shares, coupled with a falling Australian dollar, was a major contributor.

Find out how your fund performed

First, check which investment option you’re in. When you opened your Everyday Super account, you either:

  • Let us decide how to invest your money, in which case we invested it in our Suncorp Lifestage Fund (see part 1 below), or
  • You decided to invest in one or more of our single sector options (see part 2 below).

Can’t remember where your super money is invested? No problem. Check in your online account or just give us a call.

1. Suncorp Lifestage Fund

To see your super fund’s performance figures, find the Suncorp Lifestage Fund for the year you were born in the table below.

For example if you were born in 1981 and you left it to us to decide where to invest your money when you joined Everyday Super, you’re in the 1980-84 Suncorp Lifestage Fund (red in the table).

Suncorp Lifestage Fund performance as at 31 December 2013^

Suncorp Lifestage Fund
(your year of birth)

Inception date (ie when the fund began)

Fund performance since inception (%)

Fund 1-year performance to 31 Dec 2013

1934 or earlier

9 April 2013

3.59

-

1935-39

15 Aug 2013

1.26

-

1940-44

4 Feb 2013

4.37

-

1945-49

16 Jan 2013

4.77

-

1950-54

31 Dec 2012

5.90

5.86

1955-59

11 Dec 2012

7.53

7.35

1960-64

16 Jan 2013

8.34

-

1965-69

24 Dec 2012

11.21

11.28

1970-74

8 Jan 2013

13.24

-

1975-79

21 Jan 2013

13.81

-

1980-84

18 Dec 2012

16.78

16.44

1985-89

21 Dec 2012

16.63

16.93

1990-94

9 Jan 2013

16.90

-

1995-99

18 Dec 2012

17.45

17.11

Past performance is not an indicator of future performance. Figures are net of any tax, investment and administration  fees.

This figure isn’t yet available for funds whose inception date is later than 1 January 2013.

 

Why does the Suncorp Lifestage Fund have multiple performance figures?

Within our Suncorp Lifestage Fund we invest your money differently depending how old you are. This is why there are differing performance figures for each of the 14 age bands.

We then change your investments as you get older to better suit your changing needs and risk profile. You don’t have to do a thing.

This means that as you get older, we invest your money in fewer growth investments (like shares and property) and in more income investments (like fixed interest and cash). The emphasis therefore changes from capital growth to capital preservation and income as you get older.

The Everyday Super Product Disclosure Statement has lots more information about the Suncorp Lifestage Fund.

2.  Single sector investment options

If you’re a more hands-on investor, you may have decided to build your own investment portfolio from Everyday Super’s single-sector options.

Since the asset mix you chose was tailored specifically to you, we can’t quote your super’s exact investment return below – just the performance of each of the five options. But it’s dead easy to find out your super’s actual performance figure – just log into your account and request a report.

 

Single sector investment options’ performance as at 31 December 2013^

Investment option

Inception date (ie, when the fund began)

Fund performance since inception (%)

1-year performance to 31 December 2013

Suncorp Cash Fund

11 Dec 2012

1.98

1.95

Suncorp Australian Fixed Interest Fund

10 Dec 2012

0.57

0.65

Suncorp Property Fund

11 Dec 2012

5.04

3.56

Suncorp Australian Shares Fund

10 Dec 2012

15.53

14.81

Suncorp International Shares Fund

19 Dec 2012

33.97

35.27

Past performance is not an indicator of future performance. Figures are net of any tax, investment and administration fees.

Like to learn more?

 

^ We calculate investment performance using the withdrawal unit price for each investment option, in accordance with industry standards. Performance is calculated net of taxes and fees such as the investment fee, the investment performance fee, the administration fee, member fee and the expense recovery fee. However, we don’t take into account contributions taxes and any discretionary ongoing fees such as insurance premiums and adviser service fees.

Tags: Super