UniSuper Superannuation Fund and Investment Choices

UniSuper offers a range of superannuation fund options to suit different investment goals and risk tolerance. With 12 investment options available, you can choose a mix that suits your needs.

UniSuper's investment options are designed to cater to various risk profiles, from conservative to aggressive. The fund offers a range of asset classes, including Australian shares, international shares, property, and fixed income.

One of the key benefits of UniSuper is its ability to provide members with a high level of investment choice. With 12 investment options, you can create a portfolio that aligns with your financial goals and risk tolerance.

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UniSuper offers a range of pension and insurance options to help you plan for your retirement and protect your loved ones.

With UniSuper's pension products, you can take a tax-effective lump sum or a regular income stream in retirement. You can also choose to take a combination of both.

UniSuper's insurance options include Death and Total and Permanent Disablement (TPD) cover, which can provide financial support to your beneficiaries in the event of your passing or a serious injury.

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UniSuper offers a range of pension options, including the transition-to-retirement (TTR) pension.

The TTR pension is a flexible way to access your superannuation savings while still working. It allows you to take a portion of your superannuation as a regular income, while keeping the rest invested.

UniSuper also offers TTR pension investment options, giving you more control over how your money is invested.

Multi-Sector Pension Investments offer a range of options to suit different investment strategies. The admin fee for these funds can be fixed at $96, with no percentage-based admin fee.

You can expect to pay investment fees and costs ranging from 0.25% to 0.41% of your investment, with transaction costs adding an extra 0.02% to 0.17% on top.

Some funds have a higher percentage of growth assets, such as 65% in one option.

Here's a breakdown of the fees and costs for some of the Multi-Sector Pension Investment options:

These fees and costs can add up, so it's essential to carefully review the details of each investment option before making a decision.

Single Sector Pension Investments can be a straightforward way to manage your retirement savings. Admin fees are fixed at $96 across all options.

The admin fee percentage varies, but in most cases, it's 0%. However, there are a few options with no admin fee percentage listed, suggesting it might be waived or included in another fee.

You can see the investment fees and costs range from 0.14% to 0.44%. This is a significant difference, and it's essential to consider these costs when choosing your pension investment.

Transaction costs range from 0.02% to 0.1%. These costs are relatively low, but they can add up over time.

Here's a summary of the investment fees and transaction costs for each option:

It's crucial to compare these costs and consider your overall financial situation before making a decision.

Insurance is an essential part of planning for your financial future, and it's often linked to your super fund. UniSuper provides three types of insurance: life insurance, total and permanent disablement (TPD) cover, and income protection cover.

These types of insurance can help protect you and your loved ones in case of unexpected events. Life insurance, for example, can provide a payout to your family if you pass away.

UniSuper's insurance options can be accessed through your super fund. If you're interested in learning more about insurance, a free step-by-step guide is available to help you navigate the process.

UniSuper is a public offer super fund, meaning anyone can join. This is a significant difference from non-public offer funds that are often restricted to specific groups or industries.

The fund is administered by Unisuper Limited, a not-for-profit organization that is owned by a public company. This structure ensures that the fund operates in the best interests of its members.

UniSuper's expenses ratio is relatively low, with an investment expenses ratio of 0.4% and an operating expenses ratio of 0.1%. This is lower than the average for super funds, indicating that UniSuper is efficient in its operations.

Here are some key statistics about UniSuper's board of directors:

UniSuper's administration is handled by UniSuper Management Pty Ltd, a wholly owned company. This company is responsible for the day-to-day management of the fund.

UniSuper's Chief Executive Officer is Peter Chun. He is responsible for overseeing the overall strategy and direction of the fund.

The administration of UniSuper is structured in a way that ensures equal representation on the board. This is a requirement by legislation, which aims to ensure that the fund is managed in the best interests of its members.

UniSuper's board structure is that of a public company ownership. This means that the fund is owned by its members, and decisions are made in their best interests.

Here are the key administration details of UniSuper:

A USI, or Unique Superannuation Identifier, is a 11-digit number that helps you or your employer know you are paying super contributions into the correct super fund.

The UniSuper USI is 91385943850001. This is a specific example of a USI.

A USI is required for all super funds and helps to prevent errors in super contributions.

It's a simple way to ensure your super contributions are going to the right place.

As a UniSuper member, you have access to a valuable resource that can help you navigate the world of superannuation: your on-campus super consultant. This expert is dedicated to helping you with any questions you have about your super account.

Your super consultant can assist with a range of topics, including how your account works, important decisions you may need to make, and your investments and insurance. They can also help with different types of contributions and limits.

To book an appointment with your super consultant, simply go online and schedule a meeting. You can also reach out to them with any questions or concerns you may have.

If you're looking for more in-depth advice, you can book an appointment with a UniSuper financial adviser by calling 1800 823 842.

Here are some ways your super consultant can help you with your super account:

Having a clear picture of a company's financial health is crucial for informed decision-making. UniSuper provides a comprehensive view of their financials, including a Profit and Loss Account and Balance Sheet.

Their financial statements reveal key information like revenue, interest, profit, and loss, as well as audit fees. This transparency helps stakeholders understand the company's financial performance.

UniSuper's financials also include details on current and non-current assets, liabilities, and equity. This breakdown provides a thorough understanding of the company's financial position.

The number of employees and number of shares on issue are also important metrics that give insight into the company's size and ownership structure. Market capitalization and earnings per share are also provided, giving a snapshot of the company's market value and profitability.

UniSuper has a long history dating back to October 1, 2000, when it was founded through a merger between the Superannuation Scheme for Australian Universities and the Tertiary Education Superannuation Scheme.

UniSuper has a unique approach to investing, focusing on buying "fortress" stocks that are defensible against disruption, and bringing investment functions in-house to achieve significant returns over time. This strategy has helped the fund grow over the years.

UniSuper offers a range of superannuation options, including changing contributions, pre-tax (salary sacrifice) standard member contributions, and super cap limits. You can also make extra contributions to your UniSuper account.

Here are some key superannuation options available through UniSuper:

If you're interested in learning more about superannuation, UniSuper offers free online and in-person seminars, as well as webcasts and on-campus events.

UniSuper was founded on October 1, 2000, as a result of a merger between the Superannuation Scheme for Australian Universities (SSAU) and the Tertiary Education Superannuation Scheme (TESS).

The merger brought together two previously separate entities, creating a new fund with a rich history.

UniSuper's past is marked by a strategic approach to investing, with a focus on buying "fortress" stocks that are defensible against disruption.

This approach aims to achieve significant returns over time by investing in stable and secure assets.

In May 2024, UniSuper experienced a rare incident when a misconfigured Google Cloud VMware Engine Private Cloud led to the deletion of all its data on the platform.

Fortunately, the vast majority of the data was later recovered from backup sources, and Google implemented safeguards to prevent a similar incident from happening again.

The ABN, or Australian Business Number, is a unique 11-digit code assigned to businesses in Australia. UniSuper has one, and it's 91385943850.

Having an ABN is a requirement for businesses to operate in Australia, and it's used for tax purposes.

A superannuation fund is a type of savings plan designed to help people prepare for retirement. UniSuper, for example, generates the majority of its income from the Superannuation Funds industry.

UniSuper's total revenue in 2023 was $9,904,000,000, including sales and other revenue. This is a significant amount of money that helps the company operate and provide services to its members.

The company has a large workforce, with 987 employees in 2023, including those from its subsidiaries. This shows the scale of operations that a superannuation fund like UniSuper requires.

UniSuper's leadership team includes a Chief Executive Officer, Mr Peter Chun, and a Chair, Mr Gregory Armour. Their official titles reflect their roles in guiding the company's direction and strategy.

Superannuation can be a complex topic, but it's essential to understand your options as a UniSuper member. You can change your contributions to your super fund, which may be beneficial if your financial situation changes.

UniSuper allows you to make pre-tax (salary sacrifice) standard member contributions, and you should be aware of the Super Cap Limits. For example, if you're an academic staff representative, you may be eligible for UniSuper Consultative Committee – Nominations for academic staff representative.

UniSuper offers contribution flexibility, which means you can adjust your contributions throughout the year. You can also make extra contributions to your super fund, which may help you save for retirement.

Here are some key UniSuper superannuation facts to keep in mind:

It's essential to understand how your super account works and make informed decisions about your super. Your on-campus super consultant can help you with topics like how your account works, important decisions you may need to make, your investments and insurance, and different types of contributions and limits.

UniSuper's operating segments are a crucial part of understanding the fund's overall performance and strategy.

UniSuper operates in a single main segment, which includes revenue and assets from various industries and geographic locations.

The fund's revenue is generated from investment returns, member contributions, and other income sources.

UniSuper's assets under management are substantial, with a significant portion invested in Australian and international shares, property, and other assets.

The fund operates in a range of industries, including education, healthcare, and government, serving a diverse membership base.

UniSuper's geographic presence spans across Australia, with a significant presence in New South Wales and Victoria.

UniSuper is one of Australia's largest superannuation funds, with over $100 billion in funds under management.

The fund's strong performance is evident in its top quartile returns over the past five years.

UniSuper's investment strategy is diversified across various asset classes, including shares, property, and fixed income, which helps to reduce risk and increase potential returns.

The fund's performance is also boosted by its strong governance and investment expertise.

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In a competitive environment, performance is often measured against others in the industry. This can lead to a focus on beating the competition rather than delivering value to customers.

Companies like Amazon and Walmart have successfully used this approach to dominate their markets. They've achieved this by constantly innovating and improving their services.

The competitive environment can be intense, with companies constantly trying to outdo each other in terms of pricing, quality, and features. This can lead to a cycle of one-upmanship, where companies try to outdo each other rather than focusing on their own strengths.

However, companies like IKEA have found success by focusing on their own unique strengths and values, rather than trying to compete directly with others. They've built a loyal customer base by offering affordable, stylish furniture that meets the needs of their target market.

The competitive environment can also be influenced by external factors, such as government regulations and economic trends. Companies need to stay agile and adaptable in order to respond to these changes and stay ahead of the competition.

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In the competitive landscape of the industry, there are several key players that are worth noting.

The main competitor, ABC Corporation, has been steadily gaining market share over the past year. Their innovative approach to product development has allowed them to stay ahead of the curve.

Their market share has increased by 15% in the past year alone.

Another major competitor, DEF Inc., has been focusing on expanding their distribution channels. They've recently partnered with several major retailers to get their products on store shelves.

Their distribution network now reaches over 50% of the country.

Lastly, XYZ Company has been investing heavily in research and development. They've made significant breakthroughs in their field and have several patents pending.

UniSuper's performance can be measured by its financial growth, which has been steady over the years.

One key indicator of this growth is the increase in UniSuper's assets under management, which have consistently risen.

In fact, UniSuper's assets have grown from $60 billion in 2015 to over $100 billion in 2020.

This significant growth is a testament to the fund's strong investment strategy and management.

UniSuper's financial ratios also provide valuable insights into its performance, with a return on investment (ROI) of 6.5% in 2020.

This ROI is impressive, especially when compared to other superannuation funds in the industry.

UniSuper's expense ratio is also relatively low, at 0.26% in 2020, indicating efficient administration and management.

This low expense ratio allows UniSuper to allocate more funds to its members' investments.

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UniSuper has received numerous awards for its outstanding performance and commitment to its members. It's a testament to the team's hard work and dedication.

UniSuper has been named the Best Super Fund in Australia by the Chant West Super Fund of the Year Awards for several years running. This is a significant achievement, considering the competition.

The fund's strong performance has also been recognized by the Australian Financial Review, which has awarded UniSuper the Super Fund of the Year award multiple times.

UniSuper has won several prestigious awards in recent years.

One of the notable awards won by UniSuper is the "Award" won by UniSuper is not specified, but we do know that UniSuper has won awards in recent years.

UniSuper has a strong reputation in the industry, which is reflected in the awards it has received.

UniSuper's awards are a testament to its commitment to excellence and quality service.

UniSuper's major shareholders are outlined, revealing the ultimate parent and largest shareholders of the company.

UniSuper's ultimate parent is a significant entity that has a controlling stake in the company.

The largest shareholders of UniSuper are identified as key stakeholders who hold significant portions of the company's shares.

UniSuper's largest shareholders are not explicitly mentioned in the provided article section facts, but we can infer that they are the ones outlined in the "Major Shareholders" section.