Superannuation

Navigator Business Super has structured an investment option menu from a variety of leading investment managers to ensure that the needs of the employer sponsored market are met. This means that employees have the ability to tailor a diversified investment portfolio to suit their individual needs and objectives.

Default option

You have the ability to nominate the default option for your Plan from the menu of the investment options listed below:

Diversified Income Pre Select Conservative Fund BlackRock Wholesale Managed Income Fund	Diversified Growth Pre Select Growth Fund Ventura Growth 70 Fund
Diversified Balanced Pre Select Balanced Fund Ventura Diversified 50 Fund	Diversified Aggressive Pre Select High Growth Fund Perpetual’s Wholesale Split Growth Fund

Dynamic Default option

Where you do not nominate a specific investment option, the Trustee will apply a “Dynamic Default” option. This means that employees’ super will be invested based on their age as follows:

Age	Default investment option
up to 35	Pre Select High Growth Fund
Age 35 to less than 50	Pre Select Growth Fund
50 and over	Pre Select Balanced Fund

The Dynamic Default strategy broadly addresses the changing needs of employees as they reach certain life stages. Employee benefits remain in the default investment option applied at the time of joining until they are approaching the next age band. As employees approach the next age band they will be advised of their pending investment re-allocation and will be given the option to remain invested in the Dynamic Default option based on age, or alternatively select an investment option of their choice.

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