Growth
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3.5% 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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3.0% 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. |
Conservative Balanced
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2.5% per year above inflation over rolling 10-year periods after fees and taxes.
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Medium to high |
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. |
Indexed Balanced
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2.75% 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 mostly in Australian and International Shares. |
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 a small 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 (13%) and the Bloomberg Barclays Global Aggregate Index (hedged to Australian Dollars) (87%) over rolling 10-year periods after investment fees but before taxes.
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Very Low |
Three or more years |
Those wanting to stay ahead of inflation and generally averse to fluctuations in returns over shorter periods. 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. Prepared to accept likely significant fluctuations in returns over shorter periods. |
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. Prepared to accept likely significant fluctuations in returns over shorter periods. |
Property
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To perform the weighted average return from the MSCI/Mercer Australia Core Wholesale Monthly Property Fund Index (50%) and the FTSE EPRA NAREIT Developed ex Aus Rental in $A hedge (50%) over rolling 5-year periods after investment fees but before taxes. |
High |
Ten or more years |
Those seeking high returns from a diversified property portfolio only, or those wanting to build their own investment strategy when combined with other single asset class options. Prepared to accept likely significant fluctuations in returns over shorter periods. |
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. |
Low to 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. Prepared to accept likely modest fluctuations in returns over shorter periods. |
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. |
