Investment Philosophy
Member individual Choice
The Member Individual Choice option allows members to select an investment portfolio that best suits their personal financial goals, investment timeframe, and tolerance for risk. Members can choose between aggressive, moderate, or conservative investment strategies depending on the level of growth and stability they are comfortable with.
Liberty Aggressive Balanced Tracker
Targeting inflation (CPI) plus 5% over rolling 10-year periods.
An aggressive portfolio is an investment strategy designed for maximum growth, prioritizing high returns over safety. It is a “high-risk, high-reward” approach, often likened to a roller-coaster ride—it has the potential for massive gains, but also steep, temporary drops in value.
Liberty Moderate Balanced Tracker
Targeting inflation plus 4% over rolling 7-year periods.
A moderate portfolio is a “middle-of-the-road” investment strategy designed to balance growth (making money) with safety (not losing too much money). It is built for investors who want their money to grow faster than inflation over the long term (3–5+ years) but are uncomfortable with extreme ups and downs.
Liberty Conservative Balanced Tracker
Targeting inflation plus 3% over rolling 5-year periods.
A conservative portfolio is an investment strategy designed to protect your original money (capital) while aiming for steady, modest growth. lt is a “safety-first” approach, similar to keeping your money in a very high-interest savings account rather than gambling it on a volatile stock.
The LifeStage Investment Model
NEBUF follows a passively managed LifeStage investment model designed to balance long-term growth with capital protection as members approach retirement. The model automatically adjusts a member’s investment strategy over time, focusing on higher growth in earlier years and progressively reducing risk closer to retirement. on the investment tab of the website.
| AGE | Strategy for the balance already accumulated in the NEBUF | Future Contributions strategy |
| 59 years or less | Passive Growth Portfolio. | Passive Growth Portfolio. (Liberty Aggressive Balanced Tracker) |
| 60 years | The member’s accumulated balance will be restructured as shown in the right-hand column. | 85% Passive Growth Portfolio (Liberty Aggressive Balanced Tracker) · 15% Passive Conservative Portfolio (Liberty Conservative Balanced Tracker) |
| 61 years | The member’s accumulated balance will be restructured as shown in the right-hand column. | 70% Passive Growth Portfolio (Liberty Aggressive Balanced Tracker) · 30% Passive Conservative Portfolio (Liberty Conservative Balanced Tracker) |
| 62 years | The member’s accumulated balance will be restructured as shown in the right-hand column. | 55% Passive Growth Portfolio (Liberty Aggressive Balanced Tracker) · 45% Passive Conservative Portfolio (Liberty Conservative Balanced Tracker) |
| 63 years | The member’s accumulated balance will be restructured as shown in the right-hand column. | 40% Passive Growth Portfolio (Liberty Aggressive Balanced Tracker) · 60% Passive Conservative Portfolio (Liberty Conservative Balanced Tracker) |
| 64 years | The member’s accumulated balance will be restructured as shown in the right-hand column. | 25% Passive Growth Portfolio (Liberty Aggressive Balanced Tracker) · 75% Passive Conservative Portfolio (Liberty Conservative Balanced Tracker) |
The transitions reflected in the table above take effect on 1 January of the year in which the member attains the relevant age.
Switching Investments
Members may switch portfolios annually, subject to communication from NEBUF.
Ready to Build a smarter investment strategy?
Speak with our advisors to understand how the life stage model aligns with your goals