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代寫What is the best investment strategy?

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  • 代寫What is the best investment strategy?
    What is the best investment strategy?
    Unfortunately there is no one answer to this question suitable
    for everyone – nor is there a “correct” answer.
    Investments which generally give higher returns are usually more
    volatile. Over a number of years, it may be best for you to invest
    most of your superannuation contributions in shares
    and property, but then, just before you retire, the share
    market falls and your retirement benefit loses value!
    You may then think that you should have kept contributions
    in a low-risk savings account all along. But if you had done
    this, in most years you would have earned less.
    What should you do?
    You need to make a choice that you are comfortable with.
    If you’re unsure, get professional financial advice (EISS can
    direct you to a financial planner if you wish). The money you
    spend may save you dollars in the long run.
    If you don’t make a choice, your accounts will be invested in
    the Balanced Growth option. There is more information on
    this option (and the others) later in this leaflet.
    Investment Choice
    your money...your choice.
    An important part of superannuation is the way your money is invested and the investment
    returns that are achieved.
    All members of the Electricity Industry Superannuation Scheme (EISS) have some part of their
    benefits that are affected by investment returns. You can have a say in how those parts of your
    benefit are invested, and what returns your money earns. This Investment Choice leaflet gives you
    the details on investment strategies and the options available.
    adding power to your financial future 1 / 4
    Four Simple Steps
    Do you want to
    make a choice?
    Read this leaflet and
    get financial advice
    Your accounts will be
    invested in the Balanced
    Growth option
    Make a choice from the
    four options available
    1
    2
    3
    4
    Fill out and sign an
    Investment Choice form
    Return the form to us at
    EISS, GPO Box 4303
    Melbourne VIC 3001
    Forms are available at:
    www.eiss.superfacts.com
    in the Forms and
    代寫What is the best investment strategy?
    Investment Strategies
    There are two broad styles of investment strategy:
    Growth Strategy
    Growth assets are typically Australian shares, overseas shares and
    property.
    This type of investment carries the most short term risk, but has
    potentially the highest long term return. It could be the most
    appropriate strategy for those who are investing for the long term
    and want to protect the buying power of their savings
    against inflation.
    In the short term, rates of return from growth investments can
    be expected to vary widely, with a significant chance of negative
    returns over a one-year period.
    For those with patience and a long investment period until
    retirement, growth assets are likely to produce the best results.
    Defensive Strategy
    On the other hand, the defensive style of investment uses
    fixed-interest bonds and short-term deposits. The most defensive
    investment is “cash”, where the money is normally invested shortterm
    with banks and guaranteed against loss.
    The risk of losing any of your original investment is extremely low,
    with returns being more stable. The risk that you run with this
    very conservative type of investment is that you could fail to meet
    your income goals for retirement, particularly if you have a long
    investment period ahead of you.
    How do these styles affect your choices?
    Most investment options are a mix of these two broad strategies,
    ranging from all growth to all defensive.
    The options available in EISS are outlined on the following pages.
    What investment options are available?
    There are restrictions on what choices are available, depending on
    which part of the Scheme you are in (see table below).
    If “All choices are available”, members can choose a combination
    of options as long as they total 100%. Members must have the
    same option for their account balances and future contributions.
    Account-based pensioners may also choose which option their
    pension payments are made from.
    Investment Choice Changes
    You can make up to four switches (in percentage splits only) in
    any 12 month period without charge. Any additional switches
    will attract a $50 fee per switch. (Division 5 members may make
    investment choice changes online, other members must complete
    an Investment Choice form which is available on the website).
    Timing
    Any switch you make will take effect from the beginning of
    the next month, provided you return your form at least a
    week before.
    Division
    Voluntary
    Contributions
    and Rollovers
    Other Accounts
    Division 2
    - Lump Sum Scheme
    All choices
    are available
    Cash or
    Balanced Growth
    Division 3
    - Pension Scheme
    All choices
    are available
    Balanced Growth
    Division 4
    - RG Scheme
    All choices
    are available
    代寫What is the best investment strategy?
    inquiries@electricsuper.com.au
    Contacting the Scheme
    www.eiss.superfacts.com
    DISCLAIMER: This document gives you some basic information to help you with the question as to what is the best investment strategy for you and tells you about your investment
    options under the Electricity Industry Superannuation Scheme. However, this document is not intended as a substitute for consulting a professional financial planner. Nor should it
    be the only tool you use to make general investment decisions for your future. As such, the document does not constitute the provision of investment advice by the Electricity Industry
    Superannuation Board. NOV 2015
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    Investment Options
    Details of past investment returns for each option are shown in the EISS website. The past performance of each investment
    option should not be taken as an indication of future performance.
    Cash Conservative Growth
    VOLATILITY / RETURN Very low volatility, lowest rate of
    growth in long term
    Low volatility, expected stable but
    low returns
    RETURN PROFILE
    VOLATILITY SCALE 1 2 3 4 5 6 7 1 2 3 4 5 6 7
    MOST SUITED TO Members seeking to minimise their
    investment risk over the short term
    Members who prefer stable but
    moderate returns over the short to
    medium term
    INVESTMENT TIME FRAME No minimum 10 years
    LIKELIHOOD OF NEGATIVE RETURN Not likely to have a negative return
    1 negative year in 20, returns not
    expected to show large swings
    OBJECTIVE
    Exceed the consumer price index
    and similarly invested funds over
    rolling annual periods
    Exceed the consumer price index by
    2% pa over three yearsrs
    MANAGEMENT FEES
    (AS AT 30 JUNE 2015)
    0.03% (deducted from the returns
    credited to your account)
    0.39% (deducted from the returns
    credited to your account)
    STRATEGY
    Fully invested in short term fixed
    interest investments, and has a very
    conservative investment risk profile
    Around 30% invested in growth
    investments, and hence has a
    moderately conservative investment
    risk profile
    ASSET ALLOCATION AS AT
    30 OCTOBER 2015
    Strategic
    Allocation
    Australian
    Shares 10%
    Overseas
    Shares 10%
    Property 10%
    Alternatives 10%
    Fixed
    Interest 30%
    Cash 30%
    Strategic
    Allocation
    Cash 100%
    Balanced Growth (default option) High Growth
    VOLATILITY / RETURN High volatility, medium growth
    Highest volatility, expected higher long
    term returns
    RETURN PROFILE
    VOLATILITY SCALE 1 2 3 4 5 6 7 1 2 3 4 5 6 7
    MOST SUITED TO
    Members who want reasonable
    medium term returns and can put
    up with large variations in the
    short term
    Members who want higher returns
    in the long term and can put up with
    large variations in the short term.
    INVESTMENT TIME FRAME 10 years minimum 10 years (or more)
    LIKELIHOOD OF NEGATIVE RETURN
    3-4 negative years in 20, returns
    may show large swings in the
    short term
    4-5 negative years in 20, returns may
    show large swings in the short term
    OBJECTIVE
    Exceed the consumer price index by
    3% pa over 5 years, and to exceed
    the median return in the Super
    Ratings Survey of Balanced Options
    over 3 years
    Exceed the consumer price index by
    4% pa over five years
    MANAGEMENT FEES
    (AS AT 30 JUNE 2015)
    0.68% (deducted from the returns
    credited to your account)
    0.71% (deducted from the returns
    credited to your account)
    STRATEGY
    Around 70% invested in growth
    assets and hence has a moderately
    aggressive investment risk profile
    Fully invested in growth investments,
    代寫What is the best investment strategy?

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