If you are an existing investor, you can access specific information about your investment on our Centuria Investor website. If you would like to invest in the Centuria LifeGoals Investment Bond, please use the online application form.
Unit prices are normally calculated each business day and may fluctuate significantly from day to day. These prices are accurate only for the day quoted and are current for -
Please note, all valid and completed instructions for application, redemption, switch and additional contributions are date stamped and will be processed for the date (unit price date) they are received by the processing team in accordance with our daily cut-off timings (2pm AEST). Should you have any questions regarding processing of your instructions during this “blackout” period, please contact Centuria Investor Services on 1300 50 50 50 before completing your instructions.
ESG investment option* Unit prices are available after two business days. Past performance is not a reliable indicator of future performance.
**The Centuria Funeral Benefit Fund is not available to new investors.
| Net performance* (%) | 3 mth | 6 mth | 1 yr | 2 yrs | 3 yrs |
|---|---|---|---|---|---|
| Cash and Fixed Interest Funds | |||||
| Pendal Short Term Income Securities Fund | 0.75% | 1.48% | 3.08% | 2.81% | 1.81% |
| Vanguard Australian Fixed Interest Index Fund | -0.45% | 1.24% | 4.02% | 1.22% | -1.16% |
| Betashares Aus Inv Grade Corp Bond ETF | 0.00% | 3.03% | 6.65% | 4.18% | -0.47% |
| Pimco Global Bond Fund | -0.31% | 1.74% | 5.24% | 2.66% | -1.70% |
| Pimco Australian Bond Fund | -0.40% | 1.60% | 4.81% | 1.92% | -0.91% |
| Diversified Balanced Funds | |||||
| Vanguard Diversified Balanced Index Fund | 0.68% | 4.28% | 11.17% | 6.30% | 1.46% |
| Russell Investments Balanced Fund | 0.98% | 5.13% | 12.56% | 7.22% | 2.49% |
| MLC Wholesale Horizon 4 Balanced Portfolio | 1.96% | 5.58% | 13.04% | 8.03% | 3.20% |
| Pendal Sustainable Balanced Fund | 0.66% | 4.04% | 11.84% | 5.66% | 2.21% |
| Diversified Growth Funds | |||||
| BlackRock Diversified ESG Growth Fund | 1.76% | N/A | N/A | N/A | N/A |
| Vanguard Diversified Growth Index Fund | 0.97% | 5.27% | 14.14% | 8.30% | 3.10% |
| Vanguard Diversified High Growth Index Fund | 0.97% | 5.16% | 14.05% | N/A | N/A |
| Russell Investments Growth Fund | 1.23% | 5.54% | 14.88% | 8.50% | 3.37% |
| MLC Wholesale Horizon 5 Growth Portfolio | 2.37% | 6.57% | 16.46% | 9.92% | 4.40% |
| Schroder Real Return Fund | 1.28% | 3.41% | 8.75% | 5.89% | 2.00% |
| Australian Share Funds | |||||
| Vanguard Australian Shares Index Fund | 1.47% | 5.96% | 16.70% | 8.97% | 5.36% |
| AB Managed Volatility Equities Fund | -0.60% | 5.18% | 10.19% | 5.27% | 2.35% |
| Bennelong Concentrated Australian Equities Fund | 0.73% | 3.47% | 15.94% | 6.28% | -3.97% |
| Firetrail Australian High Conviction Fund | 1.42% | 5.39% | 12.28% | 7.23% | 2.71% |
| Betashares Geared Australian Equity ETF (hedge fund) | 1.04% | 9.49% | 32.50% | 14.57% | 7.04% |
| Fidelity Future Leaders Fund | 3.79% | 8.81% | 25.78% | 8.97% | 1.23% |
| Greencape Broadcap Fund | 1.85% | 6.18% | 17.93% | 9.67% | 5.05% |
| Alphinity Sustainable Share Fund | 1.84% | 7.22% | 17.84% | 8.78% | 4.19% |
| International Share Funds | |||||
| Vanguard International Shares Index Fund | 1.32% | 6.89% | 19.45% | 13.29% | 7.34% |
| Walter Scott Global Equity Fund (Unhedged) | 0.27% | 3.51% | 12.86% | 10.62% | 4.40% |
| T.Rowe Price Global Equity Fund | 2.15% | 7.16% | 19.30% | 11.90% | 2.17% |
| Magellan Global Fund | 2.16% | 5.91% | 19.52% | 13.19% | 6.15% |
| Vanguard International Small Company Index Fund | -0.79% | 5.40% | 16.13% | 7.14% | 2.78% |
| Betashares Nasdaq 100 ETF Fund | |||||
| Property & Infrastructure Funds | |||||
| Vanguard Australian Property Securities Index Fund | 2.87% | 9.25% | 31.29% | 12.55% | 4.22% |
| Magellan Infrastructure Fund | 1.95% | 6.27% | 11.88% | 4.04% | 1.56% |
| Boutique Manager Series Funds | |||||
| DWA CARE Balanced Fund | 1.18% | 5.22% | 11.74% | 7.10% | 3.02% |
| Providence Investment Fund | 1.29% | 4.61% | 10.61% | 5.87% | 2.87% |
| DWA CARE Core High Growth Fund | 1.21% | 5.19% | 9.76% | N/A | N/A |
| DWA CARE ESG High Growth Fund | 2.22% | N/A | N/A | N/A | N/A |
The performance figures below represent net returns after fees and taxes.
| Net performance* (%) | 3 mth | 6 mth | 1 yr | 3 yr | 5 yr |
|---|---|---|---|---|---|
| Centuria Australian Shares Fund | 3.33% | 6.92% | 20.95% | 3.05% | 5.87% |
| Centuria Balanced Fund | 1.10% | 3.53% | 12.32% | 1.00% | 2.53% |
| Centuria Growth Fund | 1.04% | 4.23% | 11.60% | 0.06% | 1.51% |
* Net performance as at 31/10/2024. For periods of 1 year or longer, the movement is expressed as an annual rate of return. For periods less than 1 year, the return is expressed as a percentage for that corresponding period. Past performance is not a reliable indicator of future performance.
For all Investment Options, the difference between the application price and the redemption price of a unit occurs because of the buy/sell margin. The buy/sell margin is our estimate of the costs associated with buying and selling the underlying investments. It is an additional cost included in the unit price of each Investment Option and is not charged to you separately.
Small differences in both investment performance and fees and costs can have a substantial impact on your long-term returns.
For example, total annual fees and costs of 2% of your fund balance rather than 1% could reduce your final return by up to 20% over a 30-year period (for example, reduce it from $100,000 to $80,000).
You should consider whether features such as superior investment performance or the provision of better member services justify higher fees and costs.
The Australian Securities and Investments Commission’s (ASIC) Moneysmart website has a managed investment fee calculator to help you check out the different fee options.
Total estimated fees and costs for Centuria LifeGoals Investment Options are calculated as the sum of 0.30% Centuria Life admin fee and the external manager fee and cost depending on the investment options chosen.
The estimated fees and costs for Centuria multi-manager investment options range from 1.20% to 1.50%.
Being aware of the fees and charges you pay on your investment is important due to the overall effect they have on your returns so make sure you familiarise yourself with them. Download the Product Disclosure Statement for full details on the fees and other costs on Centuria LifeGoals investments.
| Centuria Multi-Manager Investment Options | Centuria Life admin Fee per annum | total estimated Fees and costs per annum |
|---|---|---|
| Centuria Australian Shares Fund | 1.20% | 1.20% |
| Centuria Balanced Fund | 1.50% | 1.50% |
| Centuria Growth Fund | 1.50% | 1.50% |
All forms for investors and advisers are also available via Centuria Investor website.
In order to login you will need your Reference Number and password. If you have forgotten your Reference Number or password, or have not registered for access, please contact the Centuria Investor Services Team on:
Telephone: 1800 182 257
Centuria LifeGoals is an investment product that allows you to access 31 investment options including low cost index funds, best of breed active managers and ESG Funds. The funds pay tax at a maximum rate of 30% less allowable deductions on behalf of investors. As tax is paid within the fund, investors do not have to declare fund earnings in their tax returns.
Investments can be made with as little as $500 through an easy to complete online application process.
Within the online application, Centuria has included a “Green ID” system, where an Investor’s identification can be verified within seconds, making the online application process even quicker.
Please read the PDS and consider using the Centuria LifeGoals Investment Forecaster Tool.
The minimum an investor can invest, in an individual investment option is $500, and there is no limit on how much an investor can invest during the 1st year.
Investors can choose to set up a regular savings plan, whereby Centuria will direct debit from your nominated bank account a set amount at a frequency at your choosing, being either Monthly, Quarterly or Annually.
Alternately, Investors can complete an online additional application form available in Centuria Investor and funds can be transferred by either BPAY or Electronic Funds Transfer (EFT).
You can add up to 125% of the previous year’s total contributions without resetting the start date of your investment. This is known as the 125% rule.
This allows you to invest more every year and grow your portfolio. For example, if an Investor invested $100,000 during the 1st year, they could invest a maximum of $125,000 in the second year without having to reset their initial investment date.
Yes, you can. Withdrawal requests are paid directly to your nominated bank account within 14 days of receiving your request.
An investor in Centuria LifeGoals can withdraw all or part of their investment at any time.
If you withdraw prior to the 10-year investment period, you will normally only pay tax on the difference between 30% and any higher marginal tax rate applicable to you in that financial year on your earnings. In years 9 and 10 this difference is discounted by one-third and two-thirds respectively. However, no additional tax may be payable if a withdrawal is made in the following exceptional circumstances (regardless of whether it is made within or after 10 years): death, accident, serious illness or other disability affecting the Life Insured.
After ten years you pay no tax on withdrawals regardless of your personal tax rate.
No
Centuria Life pays tax on the earnings attributable to the product rather than the underlying investor. The investment options are a type of tax-paid investment. This means an investor does not need to include the investment earnings in their personal tax return.
Centuria LifeGoals offers a carefully selected range of 28 externally managed investment bond options across a range of risk profiles. The Centuria Life Investment Committee conduct extensive research in the fund selection process to deliver access to high quality fund managers in their sectors. Investors have access to investments across a range of asset classes being cash, fixed interest, Australian shares, international shares, property and infrastructure.
Additionally, there are three multi-manager investment options available that are managed by Centuria Life. The external managers and underlying investments in each of the investment options have been selected based on the screening and asset allocation by the Centuria Life Investment Committee.
Flexibility
Life is unpredictable and you never know when you might need to access your money (or simply want to start spending sooner). With the flexibility of Centuria LifeGoals, you can make withdrawals at any point and you don’t have to wait until retirement.
Simplicity
It is easy to set up your investment and a regular investment plan via our online application form. Plus you don’t have to declare earnings from your investment in your annual tax return or keep any ongoing tax records while your investment is held. We will send you an annual statement and regular confirmations to keep you updated on your investment.
Yes, you can transfer ownership of your Centuria LifeGoals investment at any time without tax implications.
This can be completed by using the Memorandum of Assignment form that can be found in the PDS & forms section of the Centuria LifeGoals website.
Yes, you have the flexibility to switch between investment options and you will pay no personal income tax.
This can either be completed online via Centuria Investor or by using the Application to Switch form.
A Child Plan is a feature of Centuria LifeGoals, where you can invest for children below the age of 16 years as an endowment, whilst maintaining full ownership, control and access, until ownership automatically transfers to the nominated child when they reach the Vesting Age nominated by you.
The Vesting Age must be between 10 and 25 years of age.
Because LifeGoals is technically a life insurance policy you can take the advantage of this feature and select a person (Life Insured) upon whose death your investment will mature and become payable. You can also nominate one or more beneficiaries (Nominated Beneficiaries) who will receive the proceeds from your Centuria LifeGoals investment tax free in the event of your death.
You can also use the assignment (transfer) feature of LifeGoals, and transfer ownership of your Centuria LifeGoals investment at any time without tax implications to you or the assignee.
Unlike superannuation, investors have access to their investment and can make withdrawals at any time. This can be particularly useful for investors who want to accumulate wealth in a tax effective environment while still having access to funds.
Additionally, investors can make unlimited contributions during their first year invested in a Centuria LifeGoals product and then each year contribute up to 125% of the previous years contribution, whereas superannuation is subject to caps on how much an investor can contribute each year and a cap on total lifetime contributions.
Individuals (single or joint holders), trusts or corporate entities are able to invest in LifeGoals with exception of LifeGoals Child Plan where only individuals can invest.
You can contact our Investor Services team on 1300 50 50 50 or email at enquiries@centuria.com.au.
Performance information can be found on this website.
Contact and banking information can be updated within Centuria Investor.
Alternatively, forms can be located in the forms section of the Centuria website and can be emailed to Bonds.Enquiry@CenturiaInvestor.com.au.
These can be updated within Centuria Investor.
Alternatively, forms can be located in the forms section of the Centuria website and can be emailed to Bonds.Enquiry@CenturiaInvestor.com.au.
Access a wide range of high quality active investment managers and low-cost specialised index investments. Active investment managers have been carefully selected to offer different investment styles to satisfy a wide variety of investor goals.
Access information about your investment. In order to login you will need your Reference Number and password. If you have forgotten your Reference Number or password, or have not registered for access, please contact the Centuria Investor Services Team.
