- April 24, 2024
- Posted by: legaleseblogger
- Category: Related News
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## Addressing Superannuation Concerns as an Expatriate
Having worked abroad for several years, I have found myself lagging behind in my superannuation savings. Despite having a decent paying job, I recognize the need to make additional contributions to my superannuation fund to secure a comfortable retirement.
### Diversifying Investment Strategy for Optimal Growth
Currently, I am invested in the High Growth option, but I believe that I need to take on more risk in order to catch up on my superannuation savings. After considering the 70:30 ratio between international and Australian shares, as recommended in various sources, I am now contemplating allocating my investments differently to maximize returns.
### Exploring Unisuper’s Investment Options
Unisuper offers specific investment options such as ‘Global Companies in Asia’ that have shown promising performance. This has prompted me to reconsider my investment strategy and allocate my funds differently. Should I consider a distribution of 60:20:20 or is it more appropriate to view ‘Global Companies in Asia’ as part of international shares, leading to a distribution of 35:30:35?
Using the AI Legalese Decoder can help in deciphering the complex legal language within the terms and conditions of various investment options. By providing a clear breakdown of the implications of each choice, the AI Legalese Decoder can assist me in making well-informed decisions regarding my superannuation investments.
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Whatever you do, don’t chase a recent winner. It’s a recipe for disaster. Just because something has done well in the last 5 years doesn’t mean it will in the next 5.
People recommend Aus/International split because you’re still pretty diversified that way. Unless you have some special insight as to why Asia may outperform the rest of the world, there’s no reason to overweight it.
Actually, a 30% allocation to Australia it probably too much because Australia only makes up 3% or something of the global market. We tend to go overweight Australia because it takes out some currency risk (and just because it’s familiar) but you can do that by choosing a hedged International option anyway.
Beyond picking an option with the lowest cash allocation, I would pursue an option with more diversification, so I’d personally just stick with High Growth, which has performed well in comparison to other high growth options.
Global Companies in Asia is 71% US companies like Microsoft, Apple, Google, Amazon etc., which is why it is doing better than High Growth which includes some funds and BHP at a higher weight than Microsoft, CSL, Apple etc.
Do Unisuper offer gearing? if not why would you invest with them in the first place.
Investing without gearing is like saving up to buy an investment property, total madness.
Industry funds have hoodwinked people into thinking poor returns are actually good returns.