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A diversified high growth strategy designed to support your long-term aspirations
The AMP Capital Premium Growth fund is designed for investors seeking high-growth investment returns over the long term. It aims to provide these returns with a lower level of volatility than a traditional high-growth portfolio.
The fund is more diversified than a traditional high growth portfolio, and employs a range of specialist equity, multi-asset, opportunistic and non-traditional investment strategies.
The fund could suit investors looking for long term wealth accumulation for goals such as providing for the future needs of loved ones or aspiring to endow a charitable cause in the future. We suggest that a minimum investment time frame of seven years is appropriate to avoid reacting to short-term bouts of volatility and provide for your long-term aspirations.
"Markets can change often and abruptly. It’s important that we have the flexibility to adapt with them, so we can sell overpriced assets and buy underpriced assets."
Matthew Hopkins, Senior Portfolio Manager
A fund built with these goals in mind
A more comfortable high-growth journey
With more diverse sources of return, the variability of the Fund’s short-term returns may be reduced. With less reliance on traditional share portfolios in Australia and offshore, the Fund aims to provide investors with more stable performance than a typical high growth portfolio. It is worth noting that, in the short term, returns relative to a traditional high growth portfolio will tend to lag when Australian shares are performing particularly well but outperform when Australian shares are relatively weaker.
Provide for long-term aspirations
The fund is focused on the delivery of long-term compound growth to provide for investors with a long-term vision, be it leaving a legacy to family, charity or some other aspiration. It can invest in a wider range of investment strategies than many traditional high growth portfolios. This means it can take advantage of long-term investment approaches and can be more opportunistic in its allocation of capital. The combination of select strategies that are difficult for individual investors to access is designed to produce a more diversified fund than that delivered by a traditional high growth portfolio (typically 50% Australian shares and 50% international shares).
Access to a specialist team of professionals
Investors benefit from access to specialist managers and strategies.
How does this fund fit into your portfolio?
Investors in retirement have very distinct goals and these can be categorised into essential needs, lifestyle wants and legacy. The fund fits within the legacy part of a portfolio which supports long-term aspirations such as making a bequest to a charity or leaving an inheritance for children or grandchildren.
As the fund aims to deliver strong capital growth, this means it may be well suited for investors with a longer time horizon (over seven years). These investors may be looking to grow their wealth for future aspirations as they move into retirement. It can be used:
- As a core holding within the legacy aspirations part of a portfolio.
Find out how Premium Growth can form part of a goals-based investment portfolio - Read more
What are the risks?
The fund invests in securities that are listed on share markets around the world, including emerging markets. This means the fund will be affected by any risks associated with these securities and the currency in which they are denominated. It is also exposed to the risks of the particular strategies adopted by the selected fund managers. In addition to this, the fund invests in alternative assets. Credit risk and liquidity risk exposures can be more intense than for traditional assets. Before choosing to invest in the fund, you should read the Product Disclosure Statement and Incorporated Information, and consider factors such as the likely investment return, the risks of investment and your investment timeframe.
||The Portfolio is designed for investors seeking high growth investment returns overthe long-term. The Portfolio employs a range of non-traditional, more specialised investment strategies than those typically used in other portfolios. This includes alternative investments and strategies.Investments are assessed taking into account a range of factors, including return potential and the ability to reduce risk through diversification.
|Minimum suggested timeframe
||01 August 2012
|Risk level (1 - 7)
||5. Medium to High
The Fund's risk level is based on the estimated number of negative annual returns for the Fund over any 20 year period and is not a complete assessment of the risks of investing in the Fund. For instance it does not detail what the size of a negative return could be or the potential for a positive return to be less than an investor may require to meet their objectives. Consequently, before choosing to invest or reinvest in the Fund, you should read the Fund's PDS and incorporated information and consider factors such as the likely investment return, the risks of investing and your investment time frame. Information about the methodology used for calculating the risk level is available here.
How to invest
The Lonsec Rating (assigned December 2016) presented in this document is published by Lonsec Research Pty Ltd ABN 11 151 658 561 AFSL 421445. The Rating is a “class service” (as defined in the Financial Advisers Act 2008 (NZ)) or is limited to “General Advice” (as defined in the Corporations Act 2001 (Cth)) and based solely on consideration of the investment merits of the financial product(s). In New Zealand it must only be provided to “wholesale clients” (as defined in the Financial Advisers Act 2008 (NZ)). Past performance information is for illustrative purposes only and is not indicative of future performance. It is not a recommendation to purchase, sell or hold AMP Capital product(s), and you should seek independent financial advice before investing in this product(s). The Rating is subject to change without notice and Lonsec assumes no obligation to update the relevant document(s) following publication. Lonsec receives a fee from the Fund Manager for researching the product(s) using comprehensive and objective criteria. For further information regarding Lonsec’s Ratings methodology, please refer to www.lonsecresearch.com.au/research-solutions/our-ratings.
ipac asset management limited (ABN 22 003 257 225, AFSL 234655) (ipac) is the responsible entity of the AMP Capital Premium Growth (Fund) and the issuer of the units in the Fund. This information has been prepared by AMP Capital Investors Limited (ABN 59 001 777 591, AFSL 232497) (AMP Capital), which has been appointed to provide Fund-related services to ipac. To invest in the Fund, investors will need to obtain the current Product Disclosure Statement (PDS) from AMP Capital Investors Limited (ABN 59 001 777 591, AFSL 232 497) (AMP Capital). The PDS contains important information about investing in the Fund and it is important that investors read the PDS before making a decision about whether to acquire, or continue to hold or dispose of units in the Fund. Neither AMP Capital, AMPCFM nor any other company in the AMP Group guarantees the repayment of capital or the performance of any product or any particular rate of return referred to in this information. Past performance is not a reliable indicator of future performance. While every care has been taken in the preparation of this information, AMP Capital makes no representation or warranty as to the accuracy or completeness of any statement in it including without limitation, any forecasts. This content has been prepared for the purpose of providing general information, without taking account of any particular investor’s objectives, financial situation or needs. Investors should, before making any investment decisions, consider the appropriateness of this information, and seek professional advice, having regard to their objectives, financial situation and needs.