Ranked #1 for risk-adjusted returns
23 Feb 2026
“Given that we can't see the future through a crystal ball, we need a compass… North for us is risk adjusted returns.”
Alison Tarditi, Chief Investment Officer. AMM, 2025
Super is a long term investment, and it can be reassuring to understand how your options have performed through different market conditions. Independent research from SuperRatings shows that CSC’s investment options have delivered strong risk adjusted outcomes over multiple timeframes to 31 December 20251.
These results offer a clear, independent view of how CSC’s investment approach has held up over time.
A long-term story of consistency and resilience
The past two decades have been anything but smooth. Markets have moved through global financial crises, pandemics, inflation shocks and rapid interest rate changes. Through all of this, CSC’s investment options have shown strong, steady performance on a risk adjusted basis.
SuperRatings’ introduction of 15- and 20-year measures gives members a deeper look at long term consistency and CSC’s results stand out.
The Aggressive option ranked #1 within its SuperRatings peer group over 7, 10, 15 and 20 years2.
The Income Focused option ranked #1 within its peer group over 7, 10 and 15 years3.
The Balanced option has been a top-quartile performer over 1, 3, 5, 7 and 15 years, outperforming the peer median at every horizon4.
Seeing this level of consistency across multiple time horizons is uncommon, especially given the scale of global disruption over the last 20 years.
Strong results don’t happen in calm seas
These long-term rankings5 span a period marked by major global events, including:
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the Global Financial Crisis
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the European debt crisis
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China’s market volatility and the commodity downturn
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the COVID 19 pandemic
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record inflation and rapid interest rate tightening
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geopolitical shocks affecting energy and supply chains
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technology sector booms and corrections.
Each of these events created uncertainty for investors. CSC’s investment options delivered strong, risk adjusted outcomes across all of them, reflecting the discipline behind our investment approach.
Why should I care about risk-adjusted returns?
Risk-adjusted returns matter because they show how reliably an investment option has delivered results over time not just how high the returns were in the best years.
They help you understand the experience members have actually had, whether an option has grown steadily, avoided big swings, and stayed on track through different market conditions.
These rankings are based on long term historical outcomes across the SuperRatings universe, giving you an independent view of how effectively each option has balanced risk and reward.
In short, risk adjusted returns help you see which options have delivered strong results without taking too much risk relative to the expected return — a factor that can help build long term retirement confidence.
A quick look under the hood: how risk adjusted returns are measured
The Sharpe Ratio is the measure SuperRatings uses to compare investment options by adjusting the returns based on the risk taken— giving you a better understanding of how an investment option performed than just looking at the final return figures alone.
Let’s break it down. It looks at two things:
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How much an option earned above the risk-free rate6, and
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How bumpy the ride was along the way (its volatility).
By combining these, the Sharpe Ratio shows how effectively an option has balanced risk and reward over time. A higher ratio means stronger returns for the level of risk taken, making it easier to compare different options like-for-like.
Why this matters for your retirement
The SuperRatings rankings offer an independent view of how CSC’s investment options have performed on a risk adjusted basis over extended periods. While past performance is not a reliable indicator of future performance, long term results can help you understand how your investment options have responded to different market environments.
You may wish to consider these insights alongside your personal circumstances, investment timeframe and risk tolerance.
Learn more about how your super is invested.
Sources and methodology
- SuperRatings results for the period ending 31 December 2025. Returns are net of investment fees and tax.
- Risk-adjusted returns calculated using the Sharpe Ratio.
- Past performance is not a reliable indicator of future performance. Awards and ratings are only one factor to consider when deciding how to invest.
- SuperRatings is an independent third-party research, consulting and ratings firm for the super industry. More details on SuperRatings' criteria and methodologies can be found at superratings.com.au.
Footnotes
1 SuperRatings Universe SR50 Growth Index and SR50 Capital Stable Index
2 SuperRatings results for the period ending 31 December 2025. SuperRatings Universe: SR50 Growth Index (77%–90% growth assets).
3 SuperRatings results for the period ending 31 December 2025. SuperRatings Universe: SR50 Capital Stable Index (20%–40% growth assets).
4SuperRatings results for the period ending 31 December 2025. SR Universe: The SR50 Balanced Index (60%-76% growth assets).
5Awards and ratings are only one factor to consider when deciding how to invest. Past performance is not a reliable indicator of future performance.
6Risk free rate is typically represented by the yield on Australian Commonwealth Government Securities (CGS), often the 10 year bond. This is the standard proxy used in Australia when calculating risk adjusted measures like the Sharpe Ratio.