Income Focused investment option
The Income Focused option aims to limit loss of your savings while still generating a sustainable income for your retirement to keep up with inflation. As you near retirement, your focus may shift to protecting the value of your super balance rather than seeking high returns and maintaining the purchasing power of your savings.
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Return objective
CPI +1.5% per year after fees and tax, over 10 years.
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Investment horizon (i.e. anticipated time to retirement):
5 years.
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Life stage (general guidelines):
Pre-retirement to retirement.
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Estimated number of negative annual returns over a 20-year period:
2 to less than 3.
Who is this option suited for?
The Income Focused option is designed for those seeking capital protection over the medium term, with a focus on assets like cash, bonds, and property, along with some exposure to shares and other growth investments. It may suit you if you're comfortable with a medium level of investment risk, plan to invest for at least five years, and are aiming for average returns of about 1.5% above inflation2.
See the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) for more information.
1Past performance is no indication of future performance.
2To outperform the Consumer Price Index (CPI) by 1.5% per year after fees and tax, over 10 years.
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 Income Focused | ADF Super Income Focused |
|---|---|---|
| 1 Year | 7.25 | 7.20 |
| 3 Years | 6.09 | 6.01 |
| 5 Years | 4.96 | 4.86 |
| 7 Years | 5.07 | 4.95 |
| 10 Years | 5.32 | |
| 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 ‘Income Focused’ option has consistently outperformed peers in the SR50 Growth Index2, ranking #1 out of 38 funds for risk adjusted returns3 across 7 and 10 years4.
Allocations
| Asset class | ADF Super & PSSap Income Focused |
|---|---|
| Australian Shares | 10.5% |
| International Shares | 13.50% |
| Property | 4.50% |
| Alternatives | 16.50% |
| Fixed Interest | 32.00% |
| Cash | 23.00% |
| 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 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 20% and 40% of their assets allocated to growth assets like shares, signifying a high-risk, high-potential return investment strategy.
3 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.
4 SuperRatings' results for the period ending 30 June 2025.