{"id":16383,"date":"2022-08-02T09:57:16","date_gmt":"2022-08-01T23:57:16","guid":{"rendered":"https:\/\/www.prosolution.com.au\/?p=16383"},"modified":"2022-08-02T12:50:24","modified_gmt":"2022-08-02T02:50:24","slug":"2022-super-returns","status":"publish","type":"post","link":"https:\/\/wealthcoach.com.au\/stage\/2022-super-returns\/","title":{"rendered":"2022 super returns: Whilst industry super fund is best?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"250\" data-attachment-id=\"16384\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/2022-super-returns\/2022-returns-email\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/2022-RETURNS-EMAIL.png?fit=1000%2C250&amp;ssl=1\" data-orig-size=\"1000,250\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"2022-RETURNS-EMAIL\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/2022-RETURNS-EMAIL.png?fit=300%2C75&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/2022-RETURNS-EMAIL.png?fit=1000%2C250&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/2022-RETURNS-EMAIL.png?resize=1000%2C250&#038;ssl=1\" alt=\"2022 super returns\" class=\"wp-image-16384\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/2022-RETURNS-EMAIL.png?w=1000&amp;ssl=1 1000w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/2022-RETURNS-EMAIL.png?resize=300%2C75&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/2022-RETURNS-EMAIL.png?resize=768%2C192&amp;ssl=1 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>2022 super returns: Superannuation returns for the 2021\/22 financial year were mostly negative. However, we shouldn\u2019t forget that the previous 18-month period (i.e., mid-2020 to the end of calendar year 2021) was stellar, so we must keep a longer-term perspective.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-and-the-winner-is\">And the winner is\u2026<\/h3>\n\n\n\n<p>The table below sets out investment returns for the largest 8 industry funds based on a <em>Balanced<\/em> investment option (data provided by research house, Lonsec). The table is sorted by 1-year returns, highest to lowest for the financial year ended June 2022. Hostplus achieved the highest return \u2013 more about this below.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"266\" data-attachment-id=\"16386\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/2022-super-returns\/balanced-table\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Balanced-table.png?fit=1092%2C284&amp;ssl=1\" data-orig-size=\"1092,284\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Balanced-table\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Balanced-table.png?fit=300%2C78&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Balanced-table.png?fit=1024%2C266&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Balanced-table.png?resize=1024%2C266&#038;ssl=1\" alt=\"Balanced super returns for 2022\" class=\"wp-image-16386\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Balanced-table.png?resize=1024%2C266&amp;ssl=1 1024w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Balanced-table.png?resize=300%2C78&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Balanced-table.png?resize=768%2C200&amp;ssl=1 768w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Balanced-table.png?w=1092&amp;ssl=1 1092w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>I have selected the relevant pre-mixed investment options that have between 60% and 76% of assets invested in growth assets e.g., shares. This is defined as a <em>Balanced<\/em> asset allocation. You will note however that some super funds don\u2019t use the <em>Balanced<\/em> description \u2013 some call the option <em>Growth<\/em> or <em>Core<\/em> and so on. This highlights that it is important to not rely solely on an investment option\u2019s name. Instead, it is important to examine the actual asset allocation of the option you are considering.<\/p>\n\n\n\n<p><a href=\"https:\/\/prosolutiongroup.sharepoint.com\/:b:\/s\/ProSolutionPrivateClients\/EZmwJDdyKJlKmLkquFbhf98BJcT5eXbIHvf3TVoym0G0Yg?e=X4J8ei\" target=\"_blank\" rel=\"noreferrer noopener\">Click here<\/a> to view a similar comparison for a Growth investment option.<\/p>\n\n\n\n<iframe src=\"https:\/\/www.buzzsprout.com\/2005600\/11059762-2022-super-returns-which-industry-super-fund-is-best?client_source=small_player&amp;iframe=true\" loading=\"lazy\" width=\"100%\" height=\"200\" frameborder=\"0\" scrolling=\"no\" title=\"Investopoly, 2022 super returns: Which industry super fund is best?    \"><\/iframe>\n\n\n\n<h3 class=\"wp-block-heading\">Beware of unlisted assets valuations (or lack thereof)<\/h3>\n\n\n\n<p>One of the concerns I have with some of these industry super funds is their lack of transparency, particularly with unlisted investments, as I discussed <a href=\"https:\/\/wealthcoach.com.au\/stage\/2021-super-returns\/#:~:text=Risks%20with%20alternative,such%20disclosure%20obligations.\" target=\"_blank\" rel=\"noreferrer noopener\">here<\/a> last year. Transparency invites more accountability, which is a positive attribute, especially when investing is concerned. That is why I\u2019m so attracted to rules-based and evidence-based investment methodologies \u2013 they are completely transparent.<\/p>\n\n\n\n<p>Transparency allows stakeholders to make better assessments as to an investment portfolios inherent risks and therefore likely future returns. Transparency reduces risk too because there\u2019s nowhere to hide fees, risk or underperformance.<\/p>\n\n\n\n<p>I read with great interest <a href=\"https:\/\/www.afr.com\/chanticleer\/canva-s-secret-value-tests-apra-20220720-p5b32z\" target=\"_blank\" rel=\"noreferrer noopener\">this article<\/a> in the AFR on 20 July 2022 (and <a href=\"https:\/\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Industry-super-funds-secrecy-under-the-microscope.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">this one<\/a> in The Australian on 2 August 2022). The article suggested that two super funds held an interest in Australian technology company, Canva. These super funds (Hostplus and Aware) adopted two different valuation approaches for their shareholdings as at 30 June 2022. Aware reduced its valuation, as technology company valuations have fallen substantially through the first half of 2022. However, Hostplus didn\u2019t amend its valuation.<\/p>\n\n\n\n<p>Stripe is a large unlisted US technology company (like Canva) and it reported a 28% lower valuation in July, so it seems unreasonable (unethical) that Hostplus hasn\u2019t adjusted its valuation. Coincidentally, Hostplus was the only fund to report a positive return last financial year. Read into that what you will.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Members may eventually pay<\/h3>\n\n\n\n<p>In July, the super fund regulator, APRA indicated that it would crack down on valuations of unlisted investments, but it could be too late for some members.<\/p>\n\n\n\n<p>Most super funds are unitised investments which means that the fund calculates the value of members units each day. If a fund has overvalued an investment (which means unit prices are overvalued too) and a member leaves the fund, it will mean they will receive a higher payout (rollover) than what they would otherwise be entitled to if the investment was valued correctly. In this case, the remaining super fund members are left holding the bag i.e., they will wear the full impact of the eventual devaluation of the investment in time.<\/p>\n\n\n\n<p>If you are concerned that your super fund has overvalued assets, then it could be wise to take your money and run i.e., rollover to a fund that offers greater transparency.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Less reliance on professional investment managers<\/h3>\n\n\n\n<p>To reduce investment costs for members, many super funds are now insourcing investment management. This means they employ a team of analysts and portfolio managers to manage and invest monies on behalf of a funds\u2019 members (for example, AustralianSuper\u2019s investment team is approaching 250 people in size). Previously, super funds would outsource investment management to professional managers.<\/p>\n\n\n\n<p>Whilst it may be less costly to manage some of their monies internally, whether it has an impact on performance is yet to be seen. It can be very challenging to attract and retain portfolio managers, especially in this tight labor market. And managing underperformance can be difficult too \u2013 as you can sack staff as easily (quickly) as you can a service provider.<\/p>\n\n\n\n<p>Finally, if portfolio managers fear underperforming, they will tend to avoid taking positions that are substantially different to the index. In that case, what investors end up with is expensive <a href=\"https:\/\/www.investopedia.com\/terms\/i\/indexhugger.asp\" target=\"_blank\" rel=\"noreferrer noopener\">index hugging<\/a>.<\/p>\n\n\n\n<p>Of course, if they can do it successfully, it may end up benefiting members i.e., achieving the same performance for a lower cost. Time will tell.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Which industry fund provides the greatest amount of transparency?<\/h3>\n\n\n\n<p>Shares, bonds, cash and property investments are relatively easy to value, as most of these investments are traded in an open market regularly. This open market trading is important for price discovery and ensures that an investments value fully reflects all available information.<\/p>\n\n\n\n<p>Conversely, alternative assets tend to predominantly be unlisted assets and are more difficult to revalue, especially on a regular basis. Therefore, super funds that have more listed assets and therefore fewer unlisted assets. UniSuper wins this competition by a big margin. It only invests 4% of its <a href=\"https:\/\/www.unisuper.com.au\/investments\/our-investment-options\/balanced\" target=\"_blank\" rel=\"noreferrer noopener\">Balanced investment option<\/a> in unlisted assets \u2013 all other funds listed above invest between 16% and 32% in unlisted assets, which is a significant amount!<\/p>\n\n\n\n<p>Super funds will argue that unlisted investments offer super investors opportunities for better returns. But I would argue that super funds are attracted to these assets because they have too much money to invest and are forced to explore these other investments. But that\u2019s their problem, not yours.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Index options continue to underperform<\/h3>\n\n\n\n<p>Last year, I <a href=\"https:\/\/wealthcoach.com.au\/stage\/2021-super-returns\/#:~:text=Avoid%20indexed%20options,continue%20to%20outperform.\" target=\"_blank\" rel=\"noreferrer noopener\">advised superannuation investors<\/a> to steer clear of the indexed invested options that some funds offer. The table below provides an updated comparison between the index option and the standard actively managed option. As you can see, the indexed option has underperformed over every time period. That\u2019s because they only use one type of investment methodology i.e., market-cap indexing. It is for that reason that these \u2018index\u2019 options are not attractive options. &nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"913\" height=\"171\" data-attachment-id=\"16385\" data-permalink=\"https:\/\/wealthcoach.com.au\/stage\/2022-super-returns\/indexed-balanced\/\" data-orig-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Indexed-Balanced.png?fit=913%2C171&amp;ssl=1\" data-orig-size=\"913,171\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Indexed-Balanced\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Indexed-Balanced.png?fit=300%2C56&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Indexed-Balanced.png?fit=913%2C171&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Indexed-Balanced.png?resize=913%2C171&#038;ssl=1\" alt=\"Indexed balanced super returns for 2022\" class=\"wp-image-16385\" srcset=\"https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Indexed-Balanced.png?w=913&amp;ssl=1 913w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Indexed-Balanced.png?resize=300%2C56&amp;ssl=1 300w, https:\/\/i0.wp.com\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/Indexed-Balanced.png?resize=768%2C144&amp;ssl=1 768w\" sizes=\"(max-width: 913px) 100vw, 913px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Conclusion: UniSuper is the best industry super fund<\/h3>\n\n\n\n<p>Whilst UniSuper produced the lowest return last financial year (out of the 8 industry super funds listed above), its longer-term returns are very attractive. In addition, it charges the lowest investment fees and offers the most transparency within its asset allocation. In my view, it\u2019s the best industry super fund.<\/p>\n   ","protected":false},"excerpt":{"rendered":"<p>2022 super returns: Superannuation returns for the 2021\/22 financial year were mostly negative. However, we shouldn\u2019t forget that the previous 18-month period (i.e., mid-2020 to the end of calendar year&#8230;<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"__cvm_playback_settings":[],"__cvm_video_id":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[3934],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v21.9.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>2022 super returns: Which industry super fund is best?<\/title>\n<meta name=\"description\" content=\"2022 super returns: Which industry super fund is best? I review returns for the 2021\/22 financial year and recommend which fund is best.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2022 super returns: Whilst industry super fund is best?\" \/>\n<meta property=\"og:description\" content=\"2022 super returns: Which industry super fund is best? I review returns for the 2021\/22 financial year and recommend which fund is best.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/wealthcoach.com.au\/stage\/2022-super-returns\/\" \/>\n<meta property=\"og:site_name\" content=\"Prosolution Private Clients\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ProSolutionPrivateClients\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-01T23:57:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-02T02:50:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/wealthcoach.com.au\/stage\/wp-content\/uploads\/2022\/08\/2022-RETURNS-EMAIL.png\" \/>\n<meta name=\"author\" content=\"Stuart Wemyss\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@StuartWemyss\" \/>\n<meta name=\"twitter:site\" content=\"@StuartWemyss\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Stuart Wemyss\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/2022-super-returns\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/2022-super-returns\/\"},\"author\":{\"name\":\"Stuart Wemyss\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#\/schema\/person\/c3aa63480e5d77a56fbd3f70e41b9ce8\"},\"headline\":\"2022 super returns: Whilst industry super fund is best?\",\"datePublished\":\"2022-08-01T23:57:16+00:00\",\"dateModified\":\"2022-08-02T02:50:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/2022-super-returns\/\"},\"wordCount\":1072,\"publisher\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#organization\"},\"articleSection\":[\"Superannuation\"],\"inLanguage\":\"en-AU\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/2022-super-returns\/\",\"url\":\"https:\/\/wealthcoach.com.au\/stage\/2022-super-returns\/\",\"name\":\"2022 super returns: Which industry super fund is best?\",\"isPartOf\":{\"@id\":\"https:\/\/wealthcoach.com.au\/stage\/#website\"},\"datePublished\":\"2022-08-01T23:57:16+00:00\",\"dateModified\":\"2022-08-02T02:50:24+00:00\",\"description\":\"2022 super returns: Which industry super fund is best? 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