This option is very conservative, investing mainly in defensive assets. It has small exposure growth assets to keep returns ahead of inflation.

Return Target1

Return target of 1% per year above inflation over rolling 10-year periods after fees and taxes.

Risk: Low to Medium

Low to Medium

Negative returns expected 1.8 out of 20 years.

1 Investment markets are uncertain and future returns cannot be guaranteed.

Defensive - Estimated fees and costs

Administration: 0.18% p.a.
Investment management: 0.19%
Indirect costs: 0.34%

See the Fees and other costs section of the Investment choice guide for a full explanation of the costs for each investment option.


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