35岁年入近$8万，选错养老投资基金损失$20万！盘点澳洲最差和最好基金，快自查！（组图）

【今日澳洲9月2日讯】如果你35岁，年收入为78192澳元，你的养老基金（superannuation）存在ANZ或AMP，退休后你的收入可能会少20.0670万澳元。

据《澳洲金融评论报》报道，这是在线投资顾问StockSpot发布的第7份年度Fat Cat Funds Report所得出的结论，该报告点名列出并公开“羞辱”了澳洲价值最差的养老基金，并发现普通澳洲养老基金投资者，在一些基金中损失了惊人的数额。

StockSpot发现，ANZ银行的OnePath业务和财富管理公司AMP的基金，应被冠上“澳洲最糟糕Fat Cat”这个不光彩的头衔，因为有11支基金上榜。这个名单是根据扣除费用后5年内基金的投资回报分析编制的。

根据StockSpot的数据，名单上的40只基金中有一半以上是由这两个提供商运营的。Perpetual、国民银行（NAB）所有的MLC和人寿保险公司Zurich运营的基金也榜上有名。

在这些基金中，澳洲人平均面临2.07%的费用，而许多表现较好的基金只收取1%或更低的费用。这些基金总共管理着70亿澳元的养老投资资金，每年花费澳洲人高达1.5亿澳元的费用。

该报告的作者、StockSpot创始人Chris Brycki说：“我知道1%听起来不算多，但是对于困在这些基金中的澳洲人来说，将比在低费用基金中的人差20万澳元或更多。”

“我们养老基金的黄金法则之一是：你支付的费用越少，最终回报就越多。每年支付的费用永远不超过1%，才能确保你的养老投资基金不会被高额费用侵蚀。”

收费1%或更低的基金之一是Queensland State Public Sector Fund的QSuper，该基金在最优名单中名列榜首，紧随其后的是UniSuper和AustralianSuper。

以下是澳洲表现最差的养老投资基金:

ONEPATH/ANZ
OnePath Masterfund – OnePath Select Leaders
OnePath Masterfund – OptiMix Balanced
OnePath Masterfund – OnePath Managed Growth
OnePath Masterfund – OnePath Active Growth
OnePath Masterfund – OptiMix Growth
OnePath Masterfund – OnePath High Growth
OnePath Masterfund – OnePath Balanced
OnePath Masterfund – OnePath Tax Effective Income
OnePath Masterfund – OptiMix Moderate
OnePath Masterfund – OptiMix Conservative

AMP
AMP Superannuation Savings Trust – AMP Super Directions – Growth
AMP Superannuation Savings Trust – FLS – BlackRock Global Allocation
AMP Superannuation Savings Trust – FLS – AMP Capital Multi-Asset
AMP Superannuation Savings Trust – FLS – Future Directions Moderately Conservative
AMP Superannuation Savings Trust – AMP Super Directions – Diversified Balanced
AMP Superannuation Savings Trust – FLS – AMP Capital Dynamic Markets
AMP Superannuation Savings Trust – FLS – ipac Income Generator
AMP Superannuation Savings Trust – FLS – AMP Lifecycle Active Capital Stable
AMP Superannuation Savings Trust – FLS – Schroder Real Return
AMP Superannuation Savings Trust – FLS – Responsible Investment Leaders Conservative
AMP Superannuation Savings Trust – FLS – Future Directions Conservative

PERPETUAL
Perpetual WealthFocus Superannuation Fund – Perpetual Diversified Growth
Perpetual WealthFocus Superannuation Fund – Perpetual Balanced Growth
Perpetual WealthFocus Superannuation Fund – Perpetual Conservative Growth
Perpetual’s Select Superannuation Fund – Diversified Fund

ZURICH
Zurich Master Superannuation Fund – Zurich Managed Growth
Zurich Master Superannuation Fund – Zurich Balanced
Zurich Master Superannuation Fund – Zurich Capital Stable

MLC
MLC Super Fund – Business Super – MLC Inflation Plus – Assertive Portfolio
MLC Super Fund – Business Super – MLC Inflation Plus – Moderate Portfolio
MLC Super Fund – MLC Inflation Plus – Conservative Portfolio

（图片来源：网络）

以下是澳洲表现最好的养老投资基金:

QSUPER
QSuper – Aggressive
QSuper – Lifetime Aspire 1
QSuper – Lifetime Outlook
QSuper – Balanced
QSuper – Lifetime Aspire 2
QSuper – Lifetime Focus 1
QSuper – Lifetime Focus 2
QSuper – Lifetime Focus 3
QSuper – Lifetime Sustain 1

UNISUPER
Unisuper – High Growth
Unisuper – Sustainable High Growth
Unisuper – Balanced
Unisuper – Sustainable Balanced
Unisuper – Conservative Balanced

AUSTRALIAN SUPER
Australian Super – High Growth
Australian Super – Balanced
Australian Super – Conservative Balanced
Australian Super – Stable

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（Vanessa）