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NESS MySuper Product Dashboard

This product dashboard has been prepared in accordance with prescribed standard calculations. It provides you with a snapshot of key information about NESS Super’s MySuper option which you can use to compare the option with MySuper products in other funds. Terms used in the document are defined at the end of this page.


Comparison between return target and return

This graph compares the return target with past returns for the NESS Super MySuper option for a representative member.

  • the green columns represent the annual net return of a representative member for each financial year in the comparison period;
  • the red line represents the 10 year moving average return target; and
  • the blue line represents the 10 year moving average net return of a representative member.

When the blue line is above the red line, then the NESS Super MySuper option’s 10 year moving average net return for the representative member has outperformed the 10 year moving average return target.


Return Graph


Future returns are not guaranteed and past performance is not a reliable indicator of future performance.


Target Returns July 2017




Return Target – Represents the mean annualised estimate of the percentage rate of net return that exceeds the growth in the CPI over ten years. CPI refers to Consumer Price Index; an inflationary indicator that measures the change in the cost of a fixed basket of products and services, as released by the Australian Bureau of Statistics.

A “representative member” means a member who is fully invested in the NESS MySuper option, who does not incur any activity fees during a year and who has an account balance of $50,000 throughout that year.

The standard calculations used in this product dashboard are based on this “representative member” and do not allow, for example, for the size of individual members’ accounts, or the effect of investment earnings, contributions to accounts, insurance fees or various other matters.  As a result, the returns and fees shown in the dashboard will be different from the amounts which apply to any particular member.

Returns shown in this product dashboard are calculated for the “representative member” returns are after administration fees, investment fees, taxes and other costs have been deducted.  These returns are therefore lower than the investment returns and crediting rates published in NESS Super’s website and Annual Report, which allow for investment-related fees, costs and taxes only.

Level of Investment Risk – Represents the estimated number of years in a 20 year period where a negative net investment  returns will be incurred. The “Medium to High” investment risk label means the Trustee estimates that there are likely to be between 3 and 4 years with negative annual net investment returns over any 20 year period. It is calculated in line with the Standard Risk Measure Guidance Paper for Trustees published by the Association of Superannuation Funds of Australia and the Financial Services Council.  This measure of risk is not a complete assessment of all forms of investment risk.  For example, it does not take in to account the impact of administration fees and tax on the likelihood of a negative return, the size of potential positive and negative returns, or whether the likely returns will meet your individual needs.

Statement of fees and other costs – Represents the dollar value of administration and investment fees and other costs that may be payable by a representative member with a $50,000 balance in the NESS MySuper option for the year to 30 June 2016 excluding Activity fees, insurance fees, buy-sell spreads and exit fees which may also apply. Fees are not guaranteed and may change in the future. Fees in the Statement of fees and other costs are gross of any fee-related tax deductions.  These tax deductions are not included in the Statement of Fees and Other Costs, so the net effect of the fees and costs may be less than the amount shown.