We offer a choice of funds, tailored to suit different investment styles.
New to investing? Let's break down investment styles.
Understanding what investing means to you will help determine the right fund for your goal. To make this easy, we've broken down investment styles into three types.
The Managed Fund product/s referenced on this page are issued by our wholly owned subsidiary Sandhurst Trustees Limited.
Defensive / conservative
A defensive/conservative investment style aims to achieve capital security that provides regular income. To invest in this style, you would have a low tolerance for losses and risks which naturally leads you to give up on a larger return that comes with higher-risk investments. The preference would be to have investments deposited in assets without much volatility so that you can leave them there and rest. This investment style often looks to fixed income products such as cash, loan funds and bond funds. Usually at least 60% of this portfolio would be in defensive assets.
A balanced/moderate investment style aims to achieve capital growth but with less volatility. To invest in this style, you are willing to accept some risk in return for potential higher returns over the medium to longer term. Often drawn to blue chip stocks and value investing. This profile is in search of, or comfortable with, medium to long term investments. This type of portfolio would often see around 40% defensive assets, 60% growth assets.
A growth/high growth investment style looks to achieve capital growth over the long-term. To invest in this style, you would be willing to forego immediate liquidity (access to your money) and would seek the higher risk investments (like equities, stock, property and bonds). You are more flexible with a greater tolerance for losses because you understand that higher returns will come in the long run. You are comfortable with, long term investments. This type of portfolio would usually see 80%+ in growth assets.
Not sure what your investment style is?
Answer a few simple questions to work out your investment style.
You've got a goal, a managed fund can help you reach it.
Funds that invest across a range of asset classes but with a significant portion in defensive assets such as fixed interest investments and cash and a small portion in growth assets such as shares and property. This type of fund aims to provide a moderate level of income with some capital growth.
A diversified fund provides a diversified investment across market sectors including shares, property and fixed interest. Diversification works because these assets react differently to the same economic event. It lowers overall risk because generally some asset classes will perform relatively better than others in varying market conditions. Sandhurst's diversified funds also allow you to choose from a range of risk profiles, investment styles and initial investment amounts.
An Australian share fund provides an investor access to the Australian sharemarket by investing in a portfolio of ASX listed shares actively managed by a team of expert investment managers. The funds provide increased diversification by spreading your investment across a variety of sectors and companies.
An International share fund provides an investor access to international sharemarkets by investing in a diversified portfolio of quality global companies from around the world.
Socially responsible investing is about considering factors that are important to you when deciding where to invest your money. These might be environmental, social, corporate governance and/or ethical factors, in addition to financial return. Also known as sustainable or ethical investing, it favours investments in organisations that reduce, or do not contribute to, negative environmental and social impacts, and excludes those not aligned with a sustainable approach.
Investing over $50,000
Investing over $50,000 gives you access to Funds with lower management costs.
Sandhurst Trustees Limited ABN 16 004 030 737 AFSL 237906 (Sandhurst) is a wholly owned subsidiary of Bendigo and Adelaide Bank Limited ABN 11 068 049 178 AFSL 237879. Each of these companies receive remuneration on the issue of the product or service they provide. Sandhurst is the responsible entity and issuer of the managed funds available on this website, and is also the trustee and issuer of the Bendigo superannuation products. Investments in these products are not deposits with, guaranteed by, or liabilities of Bendigo and Adelaide Bank and are subject to normal investment risk, including possible delays in repayment and loss of income and capital invested. Before making an investment decision in relation to one of these products you should consider your situation and read the relevant Product Disclosure Statement available on this site.
Sandhurst is the issuer of the commercial lending products and the provider of any traditional trustee services available on this website. The Bendigo Funeral Bond (“the Bond”) is an investment product issued by Australian Friendly Society Limited (“the Society”), ABN 29 087 648 851 AFSL 247028, with benefits provided by the Society’s Funeral Benefit Fund established under Schedule 1, Rule E of its constitution and administered by Sandhurst. The Travel Protection Plan is issued by AIA Australia Limited ABN 79 004 837 861 AFSL 230043. The Society is associated with the Bank and its related entities. Neither the Bank nor any of its related entities guarantee the repayment of capital invested or the investment performance of the Bond. Information is correct at the date of this document and is subject to change.
The content on this website has been jointly prepared by Sandhurst and Bendigo and Adelaide Bank and contains general advice only. Advice in relation to superannuation and managed investment schemes is provided by Sandhurst and advice in relation to life risk insurance is provided by Bendigo and Adelaide Bank. It is provided as general information and must not be relied upon as a substitute for financial planning, legal, tax or other professional advice. The information is given in good faith and has been derived from sources believed to be accurate at its issue date. Neither Sandhurst nor the Bendigo and Adelaide Bank give any warranty for the reliability or accuracy or accept any responsibility arising in any way, including by reason of negligence for errors or omissions for the information contained on this website. The information contained on this website is subject to change without notice. Neither Sandhurst nor the Bendigo and Adelaide Bank has an obligation to update, modify or amend this website or notify you in the event that a matter of opinion or projection stated changes or subsequently becomes inaccurate.
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