What are the key differences in risk between Blossom Save, Blossom Plus and Blossom Grow? 

Blossom Save, Blossom Plus and Blossom Grow all invest under the same core fixed-income investment mandate and are managed using the same disciplined investment approach. As a result, the underlying investment risks – such as credit risk, market risk and manager risk – are broadly consistent across the three products.

The primary difference relates to liquidity and access risk, which arises from how frequently withdrawals can be processed.

Blossom Save offers daily withdrawal requests, so the portfolio is managed with a strong emphasis on maintaining higher liquidity. Blossom Plus processes withdrawals quarterly, and Blossom Grow has a 12-month investment timeframe before withdrawals are processed. These longer timeframes allow the Fund Manager greater flexibility when selecting investments, but they do not change the core risk profile of the underlying strategy.

For investors, this means the key distinction between the products is how long funds may be committed before they can be accessed, rather than a material difference in the fundamental investment risks. All three products remain aligned with Blossom’s fixed-income mandate and Target Market Determination (TMD), with ongoing focus on appropriate liquidity management and investment discipline.