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What the Researchers Say:

An Other rated fund usually has average or below average features and/or performance across a number of assessment areas. These funds frequently have many competitors that offer superior performance and structures in a more efficient environment.
You should contact your financial adviser and/or this fund directly before making an investment decision.

  • Other
Awards
Fund data valid as of July 31, 2016

Typical Fees

Balance This Fund Industry Average Difference
50k $618 $705 -$87
250k $2,618 $3,036 -$418
500k $5,118 $5,756 -$638

Investment Allocation

Intl shares 18.0%
Aus shares 26.0%
Property 10.0%
Alternative 28.0%
Fixed interest 18.0%

Fees & Charges

Membership Fee $118
Asset Admin Fee 0.20%
Investment Fee 0.80%
Switching Fee $59.13
Exit Fee $169.98
Account Size Discount No
Employer Size Discount N/A

Fund Features

Financial Planning Service
Health Insurance
Home Loans
Credit Cards
Binding Nominations
Non-lapsing Binding Nominations
Insurance Life Event Increases
Anti-detriment Payments
Long Term Income Protection

About this Fund

Membership 3,676
Total Assets $649,514,278
Year Started 1995
Target Market
Offered to Public?
Fund Type Corporate-Allocated Pension

Fund Highlights - provided by BOC Super - Pension

No information was provided by the fund to SuperRatings, hence an alert rating may be given in areas where a qualitative assessment cannot be made. For available information refer to the fund's PDS.

Investment Option Performance

Asset Allocation Category FYTD FY 2015 FY 2014 FY 2013 FY 2012 FY 2011 Comparison
Balanced 2.70%
3.11%
10.28%
15.80%
18.30%
-0.75%
Fund
Benchmark
High Growth 4.10%
3.73%
3.15%
0.82%
12.39%
13.21%
19.30%
17.79%
23.90%
22.59%
-2.69%
-3.09%
Fund
Benchmark
Capital Stable 1.30%
1.54%
3.19%
3.64%
6.67%
6.35%
9.40%
8.17%
9.70%
9.14%
5.33%
4.79%
Fund
Benchmark
Cash 0.20%
0.18%
2.44%
2.25%
2.84%
2.61%
3.30%
2.78%
4.10%
3.48%
4.99%
4.76%
Fund
Benchmark
  • Legend:
  • Outperformed average
  • Underperformed average
  • Negative returns

Annualised figures are the average per year returns of the rated option based on the cumulative returns for the past 5 years to 30/06/2015, past performance is not a reliable indicator of future performance. Performance and fee data is based on the option which is rated by SuperRatings and stated on each product's landing page.

Benchmark investment information - how performance is measured

To ensure comparability for consumers, the RateCity superannuation comparison is based on the asset allocation of each of the MySuper/Pension products, irrespective of the name of the investment option. This methodology allows consumers to compare products on a like for like basis and removes any ambiguities associated with the name of the investment option. For example, an investment option may be classified as growth, however its asset allocation may in fact mean it should be classified as high growth. By using the asset allocation as the dominant identifier, we believe this provides the most robust framework for consumers to compare funds and recognise that this is a consistent approach to that of SuperRatings methodology.

Option Type Percentage of Growth Assets
min-max %
High Growth 91-100%
Growth 77-90%
Balanced 60-76%
Conservative Balanced 41-59%
Capital Stable 20-40%
Secure 0-19%

What the researchers say

BOC Super is a corporate fund that was established in 1937 to provide retirement benefits to employees of BOC Gases. The pension division was established in 2001 and a minimum initial investment of $25,000 is required to commence a pension account.

The fund offers a simple investment menu consisting of 3 Diversified options, in addition to a Cash option. The default Moderate option has outperformed the SuperRatings Index over the short and long term.

Fees associated with this product are lower than the industry average for all account balances assessed. Members are entitled to 1 free investment switch per year and additional investment costs apply to further switches.

The BOC Super Allocated Pension provides below average flexibility. Pension payments are made monthly to the member's nominated bank account and members are only permitted one lump-sum withdrawal per quarter. The fund has recently introduced binding death nominations.

Members are able to view their account details and perform transactions via BOC Super's website, as well as accessing a member newsletter and some educational materials.