Aggressive investment option
The Aggressive option is designed to grow your balance sustainably. If you still have a long time to retirement, there’s no immediate need to access your retirement savings in the short-term1. This means that you can invest a greater share of your savings in higher-growth opportunities. These investments are likely to fluctuate over shorter timeframes but grow your savings sustainably over time until you retire, taking into account inflation.
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Return objective
CPI + 4% per year after fees and tax, over 10 years.
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Investment horizon (i.e. anticipated time to retirement):
15 years.
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Life stage (general guidelines):
Early to middle stage of working life.
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Estimated number of negative annual returns over a 20-year period:
4 to less than 6.
Who is this option suited for?
The Aggressive option could be a good fit if you're looking to grow your super over the long-term and are comfortable taking on more risk to aim for higher returns. It includes growth investments2 like shares, property and infrastructure, and is designed for people who plan to invest for at least 15 years and are aiming for returns around 4% above inflation3.
See the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) for more information.
1SuperRatings universe
2Includes a high allocation to shares, along with alternative strategies that seek strong long-term performance.
3CPI (Consumer Price Index) +4.0% is a long-term return target designed to grow your money significantly above inflation.
Investment philosophy
CSC is focused on delivering dependable returns while carefully managing risk.
CSC’s highly experienced Investment team rigorously stress tests the portfolio across a range of scenarios to uncover and address any potential vulnerabilities.
Strong governance supports agile decision-making and the ability to capture first-mover advantage before others enter the market by identifying opportunities early to invest in future-ready businesses.
101 Collins Street Building
A landmark commercial building in Melbourne, Victoria owned by CSC.
With global best practice governance, proactive risk management and a forward-looking approach, CSC is well-positioned to deliver strong, long-term performance.
Performance
| Period | PSSap Aggressive | ADF Super Aggressive |
|---|---|---|
| 1 Year | 11.47 | 11.38 |
| 3 Years | 11.15 | 11.03 |
| 5 Years | 10.39 | 10.28 |
| 7 Years | 9 | 8.9 |
| 10 Years | 8.62 | |
| Investment performance as of 30 June 2025 and is calculated after fees and taxes. Past performance is no indication of future performance. |
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The ‘Aggressive’ option has consistently outperformed peers in the SR50 Growth Index3, ranking #1 out of 38 funds for risk adjusted returns4 across 7 and 10 years5.
Allocations
| Asset class | ADF Super & PSSap Aggressive |
|---|---|
| Australian Shares | 31% |
| International Shares | 41.5% |
| Property | 4.5% |
| Alternatives | 10.5% |
| Fixed Interest | 4% |
| Cash | 8.5% |
| 100% | |
| For more details, see our target asset allocation and a full list of our current portfolio holdings. |
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1 The Standard Risk Measure (SRM) shows how often you might face negative returns over 20 years. It helps you understand risk and choose an investment that suits your super goals. Investment options and risk
2 SuperRatings universe
3 The SR50 Growth Index is a benchmark used by SuperRatings to compare the performance of Australian superannuation funds with high growth investment options, typically containing between 77% and 90% of their assets allocated to growth assets like shares, signifying a high-risk, high-potential return investment strategy.
4 Risk-adjusted returns are calculated by the Sharpe Ratio. It calculates the excess return (the return above the risk-free rate) relative to the standard deviation (a measure of risk or volatility) of an investment. A higher Sharpe Ratio indicates a more favourable risk-return trade-off, meaning the investment is providing higher returns for each unit of risk.
5 SuperRatings' results for the period ending 30 June 2025.