You are one step closer to securing your future.

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

Unit prices

Unit prices are normally calculated each business day and may fluctuate significantly from day to day.Ā 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.

sustainable Ā 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.

Externally Managed Investment Options APIR code Buy Price $ Sell Price $ Historical Unit Prices* Factsheet
Cash and Fixed Interest Funds
Pendal Short Term Income Securities Fund OVS5415AU Download history Factsheet
Vanguard Australian Fixed Interest Index Fund OVS9898AU Download history Factsheet
BetaShares Aus Inv Grade Corp Bond ETF OVS6296AU Download history Factsheet
Pimco Global Bond Fund OVS1514AU Download history Factsheet
Pimco Australian Bond Fund OVS2591AU Download history Factsheet
Diversified Balanced Funds
Vanguard Diversified Balanced Index Fund OVS4859AU Download history Factsheet
Russell Investments Balanced Fund OVS9487AU Download history Factsheet
MLC Wholesale Horizon 4 Balanced Portfolio OVS1025AU Download history Factsheet
Pendal Sustainable Balanced Fundsustainable OVS1810AU Download history Factsheet
Diversified Growth Funds
Vanguard Diversified Growth Index Fund OVS2052AU Download history Factsheet
Vanguard Diversified High Growth Index Fund OVS4868AU Download history N/A
Russell Investments Growth Fund OVS2349AU Download history Factsheet
MLC Wholesale Horizon 5 Growth Portfolio OVS6529AU Download history Factsheet
Schroder Real Return Fund OVS0157AU Download history Factsheet
Australian Share Funds
Vanguard Australian Shares Index Fund OVS7047AU Download history Factsheet
AB Managed Volatility Equities Fund OVS3629AU Download history Factsheet
Bennelong Concentrated Australian Equities Fund OVS7561AU Download history Factsheet
Firetrail Australian High Conviction Fund OVS5658AU Download history Factsheet
BetaShares Geared Australian Equity ETF (hedge fund) OVS9527AU Download history Factsheet
Fidelity Future Leaders Fund OVS5444AU Download history Factsheet
Greencape Broadcap Fund OVS2419AU Download history Factsheet
Alphinity Sustainable Share Fund sustainable OVS9577AU Download history Factsheet
International Share Funds
Vanguard International Shares Index Fund OVS9675AU Download history Factsheet
Walter Scott Global Equity Fund (Unhedged)sustainable OVS8802AU Download history Factsheet
T.Rowe Price Global Equity Fund OVS3393AU Download history Factsheet
Magellan Global Fund OVS5674AU Download history Factsheet
Vanguard International Small Company Index Fund OVS0233AU Download history Factsheet
Property & Infrastructure Funds
Vanguard Australian Property Securities Index Fund OVS5104AU Download history Factsheet
Magellan Infrastructure Fund OVS0673AU Download history Factsheet
Boutique Manager Series Funds
DWA CARE Core High Growth Fund OVS1861AU Download history N/A
DWA CARE ESG High Growth Fund OVS1752AU N/A
Centuria Multi-Manager Investment Options
Centuria Australian Shares Fund OVS0010AU Download history Factsheet
Centuria Balanced Fund OVS0011AU Download history Factsheet
Centuria Growth Fund OVS0006AU Download history Factsheet
Centuria Capital Stable Fund No.1 OVS0004AU Download history N/A
Centuria Capital Stable Fund No.2 CENCSF2 Download history N/A
Centuria Funeral Benefit Fund** CENFBF Download history N/A

Performance

Externally managed options

Net performance* (%) 3 mth 6 mth 1 yr 2 yrs 3 yrs
Cash and Fixed Interest Funds
Pendal Short Term Income Securities Fund 0.89% 1.48% 2.82% 1.82% 1.08%
Vanguard Australian Fixed Interest Index Fund 1.65% 0.99% 1.57% -1.77% -1.75%
BetaShares Aus Inv Grade Corp Bond ETF 2.26% 1.80% 3.21% -0.87% -1.61%
Pimco Global Bond Fund 1.53% 1.84% 2.49% -2.26% -2.33%
Pimco Australian Bond Fund 1.90% 1.44% 2.14% -1.51% -1.61%
Diversified Balanced Funds
Vanguard Diversified Balanced Index Fund 4.08% 3.45% 6.74% 1.44% 1.84%
Russell Investments Balanced Fund 4.23% 3.24% 6.39% 2.59% 3.23%
MLC Wholesale Horizon 4 Balanced Portfolio 4.13% 4.03% 7.40% 2.83% 3.36%
Pendal Sustainable Balanced Fund 4.79% 3.56% 5.53% 2.30% 3.98%
Diversified Growth Funds
Vanguard Diversified Growth Index Fund 5.39% 4.67% 9.03% 3.39% 3.86%
Vanguard Diversified High Growth Index Fund 5.87% 4.75% N/A N/A N/A
Russell Investments Growth Fund 5.46% 4.27% 8.29% 3.54% 4.38%
MLC Wholesale Horizon 5 Growth Portfolio 5.50% 5.12% 9.23% 4.21% 4.79%
Schroder Real Return Fund 2.96% 3.61% 5.32% 1.64% 1.59%
Australian Share Funds
Vanguard Australian Shares Index Fund 6.67% 5.38% 7.34% 6.19% 5.91%
AB Managed Volatility Equities Fund 3.78% 1.96% 3.52% 2.57% 4.53%
Bennelong Concentrated Australian Equities Fund 9.44% 5.52% 9.94% 0.84% 1.07%
Firetrail Australian High Conviction Fund 2.12% -1.72% 0.16% 0.71% 2.91%
BetaShares Geared Australian Equity ETF (hedge fund) 14.65% 9.02% 10.86% 9.66% 10.45%
Fidelity Future Leaders Fund 10.70% 5.98% 10.22% 3.49% 3.52%
Greencape Broadcap Fund 5.89% 4.04% 7.46% 5.64% 5.31%
Alphinity Sustainable Share Fund 7.02% 5.51% 6.93% 4.53% 5.12%
International Share Funds
Vanguard International Shares Index Fund 8.85% 8.15% 19.50% 8.83% 9.73%
Walter Scott Global Equity Fund (Unhedged) 8.86% 6.89% 17.55% 8.43% 8.37%
T.Rowe Price Global Equity Fund 9.15% 7.40% 17.10% 4.77% 2.92%
Magellan Global Fund 10.01% 8.94% 20.98% 9.13% 7.77%
Vanguard International Small Company Index Fund 8.17% 4.19% 7.24% 3.83% 4.08%
Property & Infrastructure Funds
Vanguard Australian Property Securities Index Fund 11.95% 8.25% 9.00% 1.55% 6.18%
Magellan Infrastructure Fund 1.09% 3.36% 0.05% -0.42% 3.02%
Boutique Manager Series Funds
DWA CARE Core High Growth Fund 3.18% 2.68% N/A N/A N/A
DWA CARE ESG High Growth Fund N/A N/A N/A

Centuria multi-manager investment options

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 8.87% 6.86% 10.45% 5.11% 5.02%
Centuria Balanced Fund 5.54% 5.38% 6.04% 3.43% 2.77%
Centuria Growth Fund 3.76% 2.98% 3.14% 2.39% 1.97%

* Net performance as at 29/02/2024. 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.

Buy/sell spreads

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.

/tbody>

Centuria LifeGoals Investment Options Buy (%) Sell (%)
Cash and Fixed Interest Funds
Pendal Short Term Income Securities Fund 0.03% 0.03%
Vanguard Australian Fixed Interest Index Fund 0.08% 0.08%
BetaShares Aus Inv Grade Corp Bond ETF 0.10% 0.10%
Pimco Global Bond Fund 0.00% 0.10%
Pimco Australian Bond Fund 0.00% 0.10%
Diversified Balanced Funds
Vanguard Diversified Balanced Index Fund 0.10% 0.10%
Russell Investments Balanced Fund 0.20% 0.41%
MLC Wholesale Horizon 4 Balanced Portfolio 0.15% 0.15%
Pendal Sustainable Balanced Fund 0.14% 0.14%
Diversified Growth Funds
Vanguard Diversified Growth Index Fund 0.09% 0.09%
Vanguard Diversified High Growth Index Fund N/A N/A
Russell Investments Growth Fund 0.20% 0.32%
MLC Wholesale Horizon 5 Growth Portfolio 0.15% 0.15%
Schroder Real Return CPI +5% Fund 0.20% 0.20%
Australian Share Funds
Vanguard Australian Shares Index Fund 0.05% 0.05%
AB Managed Volatility Equities Fund 0.25% 0.25%
Bennelong Concentrated Australian Equities Fund 0.25% 0.25%
Firetrail Australian High Conviction Fund 0.25% 0.25%
BetaShares Geared Australian Equity ETF (hedge fund) 0.10% 0.10%
Fidelity Future Leaders Fund 0.25% 0.25%
Greencape Broadcap Fund 0.20% 0.20%
Alphinity Sustainable Share Fund 0.20% 0.20%
International Share Funds
Vanguard International Shares Index Fund 0.06% 0.06%
Walter Scott Global Equity Fund (Unhedged) 0.12% 0.08%
T.Rowe Price Global Equity Fund 0.30% 0.20%
Magellan Global Fund 0.07% 0.07%
Vanguard International Small Company Index Fund 0.12% 0.12%
Property & Infrastructure Funds
Vanguard Australian Property Securities Index Fund 0.06% 0.06%
Magellan Infrastructure Fund 0.15% 0.15%
Boutique Manager Series Funds
DWA CARE Core High Growth Fund 0.10% 0.10%
DWA CARE ESG High Growth Fund 0.10% 0.10%
Centuria Multi-Manager Investment Options
Centuria Australian Shares Fund 0.35% 0.35%
Centuria Balanced Fund 0.35% 0.35%
Centuria Growth Fund 0.35% 0.35%

Fees and expenses

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 LifeGoals Investment Options Centuria Life ADMIN Fee per annum external Manager fee and Cost per annum Total estimated fees and costs per annum
Cash and Fixed Interest Funds
Pendal Short Term Income Securities Fund 0.30% 0.18% 0.48%
Vanguard Australian Fixed Interest Index Fund 0.30% 0.13% 0.43%
BetaShares Aus Inv Grade Corp Bond ETF 0.30% 0.18% 0.48%
Pimco Global Bond Fund 0.30% 0.38% 0.68%
Pimco Australian Bond Fund 0.30% 0.53% 0.83%
Diversified Balanced Funds
Vanguard Diversified Balanced Index Fund 0.30% 0.20% 0.50%
Russell Investments Balanced Fund 0.30% 0.61% 0.91%
MLC Wholesale Horizon 4 Balanced Portfolio 0.30% 0.65% 0.95%
Pendal Sustainable Balanced Fund 0.30% 0.56% 0.86%
Diversified Growth Funds
Vanguard Diversified Growth Index Fund 0.30% 0.20% 0.50%
Russell Investments Growth Fund 0.30% 0.67% 0.97%
MLC Wholesale Horizon 5 Growth Portfolio 0.30% 0.68% 0.98%
Schroder Real Return Fund 0.30% 0.60% 0.90%
Australian Share Funds
Vanguard Australian Shares Index Fund 0.30% 0.11% 0.41%
AB Managed Volatility Equities Fund 0.30% 0.39% 0.69%
Bennelong Concentrated Australian Equities Fund 0.30% 0.60% 0.90%
Firetrail Australian High Conviction Fund 0.30% 0.63% 0.93%
BetaShares Geared Australian Equity ETF (hedge fund) 0.30% 0.56% 0.86%
Fidelity Future Leaders Fund 0.30% 0.84% 1.14%
Greencape Broadcap Fund 0.30% 0.67% 0.97%
Alphinity Sustainable Share Fund 0.30% 0.67% 0.97%
International Share Funds
Vanguard International Shares Index Fund 0.30% 0.13% 0.43%
Walter Scott Global Equity Fund (Unhedged) 0.30% 0.90% 1.20%
T.Rowe Price Global Equity Fund 0.30% 0.66% 0.96%
Magellan Global Fund 0.30% 0.95% 1.25%
Vanguard International Small Company Index Fund 0.30% 0.27% 0.57%
Property & Infrastructure Funds
Vanguard Australian Property Securities Index Fund 0.30% 0.16% 0.46%
Magellan Infrastructure Fund 0.30% 0.74% 1.04%
Boutique Manager Series Funds
DWA CARE Core High Growth Fund 0.30% 0.22% 0.52%
DWA CARE ESG High Growth Fund 0.30% 0.22% 0.52%

 

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%

PDS and forms

document
Instruct us to pay an ongoing adviser service fee or to amend/cancel the existing adviser service fee arrangement that you have in place for your investment with Centuria Life Limited.
document
This Target Market Determination (TMD) is required under section 994B of the Corporations Act 2001 (Cth). It sets out the target market for the product, triggers to review the target market and certain other information.
Document
Download the Centuria LifeGoals Investment Bond PDS
Interactive application forms for Centuria LifeGoals investment bonds and LifeGoals Child Plan
Document
Make an additional investment in your Centuria LifeGoals investment bond
Document
Switch your investment to a different fund in your Centuria LifeGoals investment
Document
Withdraw funds from your Centuria LifeGoals investment bond
Document
Provide your nominated bank account details to set up a direct debit for your Centuria LifeGoals Investment Bond
Document
Update address details
Document
Update your contact details
Document
Transfer the ownership your Centuria LifeGoals Investment Bond
Document
Make a binding beneficiary nomination
Document
Where Probate/Letters of administration have been granted in an Australian Territory or State other than where the securities are registered.
Document
Update or correct your name
Document
Nominate to receive all unitholder communication electronically
Document
Record your Tax Residency in accordance with the Foreign Tax Compliance Act (FATCA) and the Common Reporting Standard (CRS).
A brochure to explain the benefits of investing in Centuria LifeGoals which provides investors with a simple, flexible and tax efficient investment solution.

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.Ā  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

Email: Bonds.Enquiry@CenturiaInvestor.com.au

FAQs

What is Centuria LifeGoals

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.

How do I start my investment?

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 ā€œGreen IDā€ system, where an Investorā€™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.

Can I add to my initial investment and what is a regular savings plan?

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 yearā€™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.

Can I access my funds at any time?

Yes, you can. Withdrawal requests are paid directly to your nominated bank account within 14 days of receiving your request.

What is the tax treatment of withdrawals and can I withdraw before 10 years?

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.

What is the tax treatment of withdrawals and can I withdraw after 10 years?

After ten years you pay no tax on withdrawals regardless of your personal tax rate.

Do I need to provide my tax file number and declare yearly income in my annual tax return?

No

What does ā€˜tax paidā€™ investments mean?

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.

What are the investment options?

Centuria LifeGoals offers a carefully selected range of 28 externally managed investment bondĀ  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.

Why choose Centuria LifeGoals?

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 donā€™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 donā€™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.

Can I assign/ transfer my investment without tax implications?

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.

Can I switch between investment options and are there any personal tax consequences?

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.

What is a Child Plan?

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.

How can I use LifeGoals as an estate planning tool?

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.

How can I use Centuria LifeGoals as an alternative to superannuation?

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.

Who can invest in LifeGoals?

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.

Who can I contact if I have any further questions about Centuria LifeGoals?

You can contact our Investor Services team on 1300 50 50 50 or email at enquiries@centuria.com.au.

Where can you find information regarding performance of each investment option?

Performance information can be found on this website.

How do existing investors change their details such as contact details and banking details?

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.

How do existing investors switch between investment options, re-assign investments and change beneficiaries?

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.

How we select Fund Managers

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.

Watch the video

Centuria Investor portal

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.

Access Centuria Investor

You are now leaving Centuria Australia
and entering Centuria New Zealand.

continue