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Each of our investment objectives has its own investment strategy. The strategy is expressed in the Strategic Asset Allocation (SAA), which determines the mix of different asset classes (and assets within each class) in the investment portfolios built to achieve our objectives.

Actual asset allocations at a particular point in time might vary from the SAA, but only within allowable ranges that are set as part of the overall investment strategy. That's why you might sometimes see a difference between the SAA used for our investment strategy and the actual allocation at, for example, the end of a quarter, as published in the Insight newsletter for members.

SAAs can be found in the relevant Product Disclosure Statement.