The Aware Investment Funds are investment funds outside of super.
The Investment Funds give you access to your money regardless of your age. They also allow you to diversify your investments outside of the super environment.
- We offer 8 Investment Funds ranging from low risk to high risk.
- Each fund has a specified investment objective.
- Manage your account online.
- You can switch your investments at any time.
Investment Funds - Class A
The Class A Funds are closed to new accounts. However, if you hold Class A interests in any Investment Fund, you can invest in or switch to Class A interests in another Investment Fund.
You can view Class A Fund details at any time on our website, including:
- latest unit prices,
- performance
- asset allocations.
Investment Funds - Class B
If you’re new to the Investment Funds, you’ll be issued Class B units of the Fund or mix of Funds you choose.
A financial planner can help you to choose investments that are right for you. Book an appointment. You can create an investment portfolio to help achieve your financial and lifestyle goals.
You can view Class B Fund details at any time on our website, including:
- latest unit prices,
- performance
- asset allocations.
Diversified Funds
Our diversified Funds are invested across different asset classes, investment styles and managers. The percentage allocated to each asset class varies. This means each diversified fund has a different risk and return profile.
The diversified Funds are:
- Capital Stable Fund
- Moderate Fund
- Balanced Fund
- Growth Fund
Single asset class Funds
We offer four single asset class Funds:
- Cash Fund
- Fixed Interest Fund
- Australian Equities Fund
- International Equities Fund
Each Fund is divided into two unit classes, known as Class A and Class B.
When you receive income distributions
Your investment generates income or capital gains, which we pay to you. This is called a distribution.
How often you get paid will depend on what type of Fund you’re invested in. Some Funds make quarterly distributions while others pay twice per year.
Asset allocations
See how our Investment Funds are invested. The asset allocations are published quarterly, as of the end of March, June, September, and December for the diversified options.
Why choose our Investment Funds
Flexible account options
We offer a range of options to manage your account, including:
- Regular Savings Plan,
- Regular Withdrawals Plan
- Progressive Investment Facility.
Choose how often payments and contributions will be made to or from your account.
If you have more than one Fund, you can choose how your payments are drawn from the different Funds.
Investment options to suit your goals
Choose what level of risk you are comfortable with. You can choose higher growth options that invest in assets like shares and property. Or you can choose more conservative options that invest in assets such as cash and fixed income.
You can choose from one or more of our four diversified Funds which hold a mix of asset classes to help reduce risk. Or you can create your own mix using our four single asset class Funds.
You can also switch your investments at any time.
Experienced and specialist investment management
Our Aware Super team of investment specialists oversee the Funds. They work with professional investment managers who specialise in different asset types.
Tax optimisation
You can choose between 'first in, first out', maximum gain/minimum loss or maximum loss/minimum gain tax methods for calculating your capital gains tax (CGT), according to your preference.
You can manage your investments online
Through your online account, you can:
- view your balance
- switch your investments
- update your contact details
Product details and fees
- How Investment Funds work
- Fees and costs
- FAQs
How the Investment Funds work
When you invest in a Fund, your money is pooled with other investors’ money to earn you a return. The money you invest is used to buy units, and units are cancelled whenever money is withdrawn. The number of units bought or cancelled depends on the current unit price.
Your share of any income, capital gains and tax offsets is paid to you as a distribution. Your distribution amount will depend on the number of units you hold in the Fund. You can request that your distributions be paid into your bank account. Or you can re-invest them into the Fund.
The Aware Investment Funds are issued by Aware Financial Services Australia Limited, which is wholly owned by Aware Super.
Our fees and costs cover the costs to manage your investment. The amount you pay varies depending on which investment option(s) you select.
You can learn more about our fees and costs in the Investment Funds PDS.
Investment Funds - Class A are closed to new applications.
You can invest in Investment Funds - Class B if:
- you receive the PDS in Australia, and
- you are in Australia (at the time of application), and
- you are an Australian citizen or permanent resident, and
- you have a minimum initial investment amount of $1,000.
We partner with a number of different investment managers to manage the assets of the Investment Funds on our behalf.
We invest your money in a range of assets (or a single asset class only) to meet the investment objective. This ranges from:
- high growth assets, like shares and property, to
- more conservative assets, like cash and fixed income
The minimum initial investment across all Funds must be at least $1,000.
Yes, you can request to make once off or regular withdrawals.
- apply through the secure website
- call 1300 650 873 and we’ll help you apply.
- fill out a form and send it back to us.
Any money you earn on investments is considered income. You’ll need to declare it as part of your tax return.
You can view how your investments are going at any time. Simply log into your account.
