Your investment options
As a deferred member your benefit is 100% invested. You are responsible for choosing the investment strategy for the balance of your personal account and employer financed benefit. The Trustee selects the investment option for your State Authorities non-contributory scheme account.
There are 4 investment options available to SASS deferred members. You can choose to invest in one or more of these investment options. You can choose whatever proportion you like.
You can switch investment options once a month by completing and returning the State Super SASS form 409 Choice of Investment Strategy to the State Super Customer Service team. If your form is received by the 25th of the month the switch will take effect from the first day of the following month.
Your investment time horizon is the length of time you expect to keep an investment. Knowing your time horizon is extremely important when it comes to choosing the type of investment strategy you wish to invest in.
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| |
Cash |
Conservative |
Balanced |
Growth |
|---|
| Volatility |
Very low |
Medium |
Medium to high |
High |
| Growth |
Limited |
Conservative |
Moderate |
High |
| Risk of negative return |
Very low potential for negative return |
Potential for negative return 2 to less than 3 times in 20 years |
Potential for negative return 3 to less than 4 times in 20 years |
Potential for negative return 4 to less than 6 times in 20 years |
| Investment time horizon |
Designed for members with a short-term investment horizon (up to 3 years) with no tolerance for market volatility |
Designed for members with a short-term investment horizon (4 years) with little tolerance for market volatility and a preference for security |
Designed for members with a medium-term investment horizon (5 to 7 years) and some tolerance to market volatility |
Designed for members with a long-term investment horizon (7 plus years) and a high tolerance to market volatility |
