 |
Budgeting What if unexpected events throw your finances into disarray? |
| Risk return calculator - |
| Investment option | What it roughly means | Acceptable rate range |
| Growth 70–80% in shares or property | Aims for higher returns over the long term and so risks higher losses in bad years. | 8%–9% |
| Balanced 60–70% in shares or property, the rest in fixed interest and cash | Aims for reasonable returns, but less than growth funds in order to reduce risk of losses in bad years. | 7.5%–8.5% |
| Capital stable 60–70% in fixed interest and cash (some invested in shares or property) | Aims to reduce risk of loss and therefore accepts a lower return over the long term. | 5.5%–6.5% |
| Capital guaranteed By law, invests 100% with Australian deposit-taking institutions or in a capital guaranteed life insurance policy | Guarantees your capital and accumulated earnings cannot be reduced by losses on investments. | 5%–6% |
