Your investment options

Everyone’s financial situation is different. That’s why it’s so important to understand how investment may impact your superannuation.

• Default Balanced

  The 'Balanced' option offered aims to balance savings between higher-growth opportunities and capital-preserving assets, while managing downside risk, with the goal of achieving a comfortable retirement for the longer term and a greater diversification of risk than most peers.

  • Return objective: CPI +3.5% per year after fees and tax, over 10 years.
  • Investment horizon (i.e. anticipated time to retirement): 10 years
  • Life stage (general guidelines): Middle to late stage of working life, or pre-retirement.
  • Estimated number of negative annual returns over a 20-year period: 4 to less than 6

• Income Focused

  Our ‘Income Focused’ option aims to limit capital loss while generating sustainable income that keeps up with inflation. This option is designed to protect the value of your super balance rather than seek high returns.

  Our Income focused option purposefully targets a lower level of risk compared to both the Balanced and Aggressive options, but has historically² still delivered very strong performance. So, you can invest with confidence knowing that your savings are protected but also growing over time.

  • Return objective: CPI +1.5% per year after fees and tax, over 10 years.
  • Investment horizon (i.e. anticipated time to retirement): 5 years
  • Life stage (general guidelines): Pre-retirement to retirement.
  • Estimated number of negative annual returns over a 20-year period: 2 to less than 3

• Aggressive

  Our ‘Aggressive’ option is designed to grow your balance sustainably. This option invests a greater share of your savings in higher-growth opportunities. These investments are likely to fluctuate over shorter horizons, but more likely to grow your savings sustainably over a longer time period.

  Our Aggressive option is a consistently strong performer compared to peers³. Our aggressive option accepts higher volatility compared to our balanced fund but only from targeted risks that we expect you to be compensated for taking while avoiding unintended risks and diversifying to reduce the impact from risks that simply cannot be avoided. The result is strong relative returns regardless of market direction.

  • Return objective: CPI +4% per year after fees and tax, over 10 years.
  • Investment horizon (i.e. anticipated time to retirement): 15 years
  • Life stage (general guidelines): Early to middle stage of working life.
  • Estimated number of negative annual returns over a 20-year period: 4 to less than 6

• Cash

  Our ‘Cash’ option focuses on preserving capital, so it’s expected to have lower risk and lower return compared to other options.

  • Return objective: Bloomberg AusBond bank index rate of return, net of fees.
  • Investment horizon (i.e. anticipated time to retirement): 1 year
  • Life stage (general guidelines): Retired.
  • Estimated number of negative annual returns over a 20-year period: Less than 0.5

Choosing your investment option

The decisions you make now about your super can help you reach your retirement goals. Take the time to understand your options, taking your personal objectives, financial situation and needs into account.

For example, you should consider the:

• impact investment performance has on your account
• amount of time your money will be invested before you need it for retirement
• level of risk and fluctuation in the value of your investment that you can tolerate.

Until you make a choice to switch your investment option, your super balance and contributions will be invested in the Balanced option.