LOGIN Investment options Investments to suit your needs and stage of life As a member, you have a choice when it comes to how your retirement savings are invested. You can choose from diversified and single asset class investment options that let you mix and match how your super is invested. If you don’t make a choice, you’ll be automatically invested in our Lifecycle Investment Strategy. You can also choose to invest in this strategy at any time. Lifecycle Investment Strategy The strategy works by investing your retirement savings in a mix of the High Growth and Conservative Balanced investment options based on your age. The objective of the strategy is simple: to give you significant exposure to growth assets such as shares and property (the High Growth investment option) in the early stages of your working life, and then gradually reduce this as you get older by increasing your exposure to defensive assets such as bonds and cash (the Conservative Balanced investment option). This helps provide less volatile investment returns as you get older. Read more in our Lifecycle Investment Strategy factsheet or watch the video below for a quick overview of how the strategy works. Four diversified investment options Diversified across asset classes to match different investor risk profiles High Growth Growth Conservative Balanced Stable Six single asset class investment options Allow you to determine your own asset allocation. Australian Shares International Shares Property Bonds Cash Term Deposit Where do we invest your super? We appoint professional investment managers to invest your super. We regularly review their investment performance, risk management and investment process. We can and do remove managers and add new ones. View the latest investment managers list (PDF). Term Deposits The Term Deposit investment option invests in the fixed term deposit products of Australian Authorised Deposit-taking Institutions (ADIs) chosen by Mine Super, such as banks, building societies and credit unions. We recommend you read our Product Disclosure Statement and seek financial advice before investing in the Term Deposit investment option. Latest Term Deposit interest rate No interest rate at this time. There is no interest rate available at this time. If you apply now you'll be invested at the next Term Deposit interest rate, which will be published on Monday afternoon, 6 December 2021. About your Term Deposit investment Valid applications received by us by 5pm on a Thursday when rates have been published for that week will be invested that week. If you don't make this cut off you'll be invested the next week we have a Term Deposit available. See our Product Disclosure Statement and Term Deposit fact sheet for more information. Invest in the Term Deposit investment option You can invest in the Term Deposit option at any time by completing the Invest in a Term deposit option form and returning to us. Standard Risk Measure (SRM) The SRM allows you to compare investment options by considering the expected number of negative annual returns over any 20 year period. The SRM isn’t a complete assessment of all forms of investment risk. For example, it doesn’t detail what size a negative return could be, nor the potential for a positive return to be less than your objective. Further, it doesn’t consider the impact of administration fees and tax on the likelihood of a negative return. How does the SRM show risk? The SRM places this risk into one of seven risk labels, ranging from very low to very high. If the risk is ‘low’, we’d expect one or less years of negative returns over 20 years. If the risk is ‘high’ we’d expect between four and six years of negative returns over any 20 year period, as shown in the diagram below. These negative returns can be experienced several years apart or several years in a row within a 20 year period. How is the risk for each option worked out? We develop a set of capital market assumptions (return, volatility, correlation, etc) for the asset classes which make up the investments of our investment options. Using the portfolio weights and these assumptions, we apply portfolio simulation techniques to determine the probability of a negative return occurring over a one-year period. This probability is then multiplied by 20 to give an estimate of how many years in 20 we expect an investment option to deliver a negative return. This then feeds into our risk assessment which calculates the expected risk bands / labels for each of our investment options. What kind of information do we consider? We consider how returns and volatility are affected by different economic conditions, such as inflation, economic growth and asset prices. Investment costs Consistent with regulatory guidelines, we don’t consider the impact of administration fees or tax and we only take into account investment management fees. What else should I consider when thinking about the risks of my super investments? The real world is complex and not always rational. This means mathematical theories may not always play out in practice. So, while the SRM can help you understand your investment risk, it shouldn’t be the only consideration. For example, the SRM doesn’t show you: how big a negative return will be; whether you’ll get the returns you’re after; and how fees and taxes will impact your return. Email us Sign up Contact us MySuper Product Dashboard About us Super PDS Pension PDS Privacy Policy Financial Services Guide Contact us Complaints Issued by AUSCOAL Superannuation Pty Ltd ABN 70 003 566 989 AFS licence 246864 Trustee for the Mine Superannuation Fund ABN 16 457 520 308. This is general information only and does not take into account your financial situation, needs or objectives. Before acting, consider if the information is right for your needs and circumstances and read the relevant Product Disclosure Statement. The Target Market Determinations (TMD) for our financial products can be found at mine.com.au/tmd. This information is based on our understanding of current Australian laws and assumes they will remain unchanged. Any links to external sites are for information purposes only and are not an endorsement. We take no responsibility for the content. Advice is provided by Mine Super Services Pty Ltd ABN 49 051 315 014 AFS licence 502700.