Growth
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Accumulation and Transition to Retirement: 3.5% per year above inflation over rolling 10-year periods after fees and taxes.
Pension: Return target of 4.0% per year above inflation over rolling 10-year periods after fees and taxes.
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High |
Ten or more years |
Those seeking high returns and prepared to accept likely significant fluctuations over shorter periods. It invests predominately in growth assets like shares. |
Balanced
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Accumulation and Transition to Retirement: 3.0% per year above inflation over rolling 10-year periods after fees and taxes.
Pension: Return target of 3.5% per year above inflation over rolling 10-year periods after fees and taxes.
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Medium to high |
Seven or more years |
Those seeking high returns and prepared to accept likely significant fluctuations over shorter periods. It is mostly invested in growth assets like shares but has a moderate exposure to defensive assets. |
Indexed Balanced
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Accumulation and Transition to Retirement: 2.75% per year above inflation over rolling 10-year periods after fees and taxes.
Pension: Return target of 3.25% per year above inflation over rolling 10-year periods after fees and taxes.
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High |
Seven or more years |
Those seeking high returns and prepared to accept likely significant fluctuations over shorter periods. It invests in passively managed Australian and International Shares and fixed interest assets. |
Conservative Balanced
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Accumulation and Transition to Retirement: 2.5% per year above inflation over rolling 10-year periods after fees and taxes.
Pension: Return target of 3.0% per year above inflation over rolling 10-year periods after fees and taxes.
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Medium |
Five or more years |
Those seeking moderate returns and prepared to accept likely significant fluctuations over shorter periods. It invests in growth assets, but has substantial exposure to defensive assets. |
Stable
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1.5% per year above inflation over rolling 10-year periods after fees and taxes.
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Low to Medium |
Four or more years |
Those seeking moderate returns and prepared to
accept likely modest fluctuations in returns over
shorter periods. It invests mainly in defensive assets, with exposure to growth assets. |
Secure
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To outperform the weighted average return from the MSCI/Mercer Australia Core Wholesale Monthly Property Fund Index (16%) and the Bloomberg Barclays Global Aggregate Index (hedged to Australian Dollars) (84%) over rolling 10-year periods after investment fees but before taxes.
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Low |
Three or more years |
Those seeking fairly stable returns and who are prepared to accept there may be occasional years where returns are negative. It invests mainly in defensive assets, with a small exposure to growth assets. |
| Single Asset Class options |
International Shares
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To outperform the weighted average return from the MSCI All Countries World Index in $A hedged (20%) and the MSCI All Countries World Index in $A unhedged (80%) over rolling 5-year periods after investment fees but before taxes
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High |
Ten or more years |
Those seeking high returns from international shares only, or those wanting to build their own investment strategy when combined with other single asset class options. It is designed to outperform its relevant benchmark. |
Indexed International Shares
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To perform in line with the weighted average return from the MSCI World Index in $A hedged (20%) and MSCI World Index in $A unhedged (80%) before investment fees and taxes.
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High |
Ten or more years |
Those seeking a passively managed portfolio invested in companies listed on global stock exchanges, or those wanting to build their own investment strategy when combined with other single asset class options. It is designed to perform in line with its relevant benchmark. |
Australian Shares
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To outperform the S&P/ASX 300 Accumulation Index over rolling 5-year periods after investment fees but before taxes.
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High |
Ten or more years |
Those seeking high returns from Australian Shares only or those wanting to build their own investment strategy when combined with other single asset class options. It is designed to outperform its relevant benchmark. |
Indexed Australian Shares
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To perform in line with the S&P/ASX 300 Accumulation Index before investment fees and taxes.
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High |
Ten or more years |
Those seeking a passively managed portfolio invested in companies listed on the Australian Securities Exchange, or those wanting to build their own investment strategy when combined with other single asset class options. It is designed to perform in line with its relevant benchmark. |
Property
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To perform in line with the FTSE EPRA NAREIT Developed ex Aus Rental in $A hedged before investment fees and taxes. |
Very high |
Ten or more years |
Those seeking high returns from a global listed property securities only, or those wanting to build their own investment strategy when combined with other single asset class options. It is designed to perform in line with its relevant benchmark. |
Diversified Fixed Interest
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To outperform the weighted average return from the Bloomberg AusBond Composite Bond Index (All Maturities) (50%) and the Bloomberg Barclays Global Aggregate Index (hedged to Australian Dollars) (50%) over rolling 3-year periods after investment fees but before taxes. |
Medium |
Four or more years |
Those seeking modest returns from diversified fixed interest only, or those wanting to build their own investment strategy when combined with other single asset class options. Solely investing in fixed interest instruments such as bonds, this option is lower risk than shares or property, but aims to provide a higher long-term return than cash. |
Cash
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To outperform the Bloomberg AusBond Bank Bill Index over rolling 2-year periods after investment fees but before taxes. |
Very low |
One or more years |
Those seeking consistent return on their money in the short term, with minimal to low fluctuations in returns over shorter periods, even if that return is low and doesn’t keep pace with inflation. It invests in cash. |
