SDIO | LIO | 100% DIO | 100% GIO | |||||
---|---|---|---|---|---|---|---|---|
Mean, μ Percent | Standard Deviation, σ | Mean, μ Percent | Standard Deviation, σ | Mean, μ Percent | Standard Deviation, σ | Mean, μ Percent | Standard Deviation, σ | |
2000:2009 | 5.86 | 14.29 | 6.13 | 13.05 | 6.7 | 2.83 | 5.5 | 20.81 |
2004:2013 | 8.73 | 15.21 | 8.67 | 13.87 | 6.3 | 3.0 | 8.4 | 22.87 |
Capital Stable/Conservative | Balanced | Growth | |
---|---|---|---|
Cash | 25 | 5 | 5 |
Australian fixed interest | 35 | 15 | 10 |
International fixed interest | 10 | 10 | 5 |
Listed property | 5 | 10 | 10 |
Australian shares | 15 | 35 | 40 |
International shares | 10 | 25 | 30 |
Defensive Assets | Growth Assets | |||||
---|---|---|---|---|---|---|
Investment option | Cash | Australian fixed interest | International fixed interest | Listed property | Australian shares | International shares |
5% | 10% | |||||
7% | 13.5% |
Age 60 | Age 65 | Year 1 & 2 | Year 3 & 4 | Balance | |
---|---|---|---|---|---|
⇧ | 10% Cash | Use Cash | Use Balanced | Retain | |
⇧ | 20% Balanced | Retire | Reserve | Reserve | Growth |
⇩ | 30% Growth | 10% | 20% | 70% |