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  4. Investment options available to you

We offer a range of investment options that you can choose for your account. A summary of each investment option is provided below.

You can find more information about investment options in the member booklet or PDS for your membership. If you’d like to understand more about the information provided in the summaries below, check out our tips on understanding investment option descriptions.

Generally when your account is opened, we’ll invest your first contribution in the Balanced investment option. This is our default option, as well as our approved MySuper option. However you can choose to change your investment selection at any time.

Please remember that although the Balanced option is our default option, we don’t make any representations about whether it’s the most appropriate option for you. Find out more about choosing the right investment option. You’ll need to consider your own circumstances and/or seek advice to decide what’s best for you.

 

  • Diversified (pre-mixed) investment options

      • The following four investment options are diversified, or pre-mixed, options. By automatically investing across a range of the main types of asset classes, diversified options help spread your investment risk. This can be important in managing the impact to your account if one particular type of asset is not performing well in investment markets at any given time.

      The main difference between our four diversified options is the extent to which each option invests in growth and income asset classes, shown in the ‘how this option invests’ section. This still gives you some flexibility to choose an investment option that suits your needs.

      Note: Where mentioned, 'TRIS' stands for Transition to Retirement Income Stream.

       

      About the Balanced (MySuper) / Balanced TRIS option

      The Balanced (MySuper) or Balanced TRIS option is a diversified option invested across most major asset classes. It is dominated by growth assets, with a smaller proportion in income assets.

      This is the default investment option when your account is opened with us, if you haven’t made an investment choice.

      Objective

      The investment objective for this option is to achieve the following average return (after applicable taxes and fees) over a 5-year period:

      • CPI + 2.5% p.a. for Accumulate Plus & Retirement Access TRIS
      • CPI + 3.5% p.a. for Retirement Access Account-Based Pensions.

      Investment risk

      This option has a high level of investment risk. A negative annual investment return may be expected for 5 years in every 20 years.

      Minimum suggested investment timeframe

      Medium to long term – 5 years or more

      How this option invests

      AssetAllocation-Balanced-Mar17

      Returns

      See historical investment returns for this option – please remember that past performance is not a reliable indicator of future performance.

      About the Conservative / Conservative TRIS option

      The Conservative or Conservative TRIS option is a diversified option invested across most major asset classes. It is dominated by income assets, with a smaller proportion in growth assets.

      Objective

      The investment objective for this option is to achieve the following average return (after applicable taxes and fees) over a 3-year period:

      • CPI + 1% p.a. for Accumulate Plus & Retirement Access TRIS
      • CPI + 2% p.a. for Retirement Access Account-Based Pensions

      Investment risk

      This option has medium level of investment risk. A negative annual investment return may be expected for 3 years in every 20 years.

      Minimum suggested investment timeframe

      Short to medium term – 3 years or more.

      How this option invests

      AssetAllocation-Conservative-Mar17

      Returns

      See historical investment returns for this option – please remember that past performance is not a reliable indicator of future performance.

      About the Moderate / Moderate TRIS option

      The Moderate or Moderate TRIS option is a diversified option invested across most major asset classes. It is broadly balanced between growth assets and income assets.

      Objective

      The investment objective for this option is to achieve the following average return (after applicable taxes and fees) over a 5-year period:

      • CPI + 1.5% p.a. for Accumulate Plus & Retirement Access TRIS
      • CPI + 2.5% p.a. for Retirement Access Account-Based Pensions

      Investment risk

      This option has medium-high level of investment risk. A negative annual investment return may be expected for 4 years in every 20 years.

      Minimum suggested investment timeframe

      Medium to long term – 5 years or more.

      How this option invests

      AssetAllocation-Moderate-Mar17

      Returns

      See historical investment returns for this option – please remember that past performance is not a reliable indicator of future performance.

      About the Growth / Growth TRIS option

      The Growth or Growth TRIS option is a diversified option invested across most major asset classes. It is dominated by growth assets, with a smaller proportion in income assets.

      Objective

      The investment objective for this option is to achieve the following average return (after applicable taxes and fees) over a 7-year period:

      • CPI + 3% p.a. for Accumulate Plus & Retirement Access TRIS
      • CPI + 4% p.a. for Retirement Access Account-Based Pensions

      Investment risk

      This option has a high level of investment risk. A negative annual investment return may be expected for 5 years in every 20 years.

      Minimum suggested investment timeframe

      Long term – 7 years or more.

      How this option invests

      AssetAllocation-Growth-Mar17

      Returns

      See historical investment returns for this option – please remember that past performance is not a reliable indicator of future performance.

  • Single asset class investment options

      • The following four investment options are single asset class options. Unlike the diversified options, these options invest predominantly in one asset class only. If you choose to invest in one of these options, you should take care to consider your overall risk exposure.

      Note: Where mentioned, 'TRIS' stands for Transition to Retirement Income Stream.

       

      About the Cash / Cash TRIS option

      The Cash or Cash TRIS option is a single asset class option that invests 100% in the cash asset class.

      Objective

      The investment objective for this option is to achieve an average return (before applicable taxes and fees) that exceeds that of the Bloomberg AusBond Bank Bill Index over a one-year period.

      Investment risk

      This option has a very low level of investment risk. A negative investment return is not expected for this option.

      Minimum suggested investment timeframe

      Short term – 1 year or more.

      How this option invests

      AssetAllocation-Cash-Mar17

      Returns

      See historical investment returns for this option – please remember that past performance is not a reliable indicator of future performance.

      About the Fixed Interest option

      The Fixed Interest option is a single asset class option that invests predominantly across a broadly diversified portfolio of fixed interest investments.

      Note: This investment option is not available for Retirement Access or Defined Benefit investment choice accounts.

      Objective

      The investment objective for this option is to achieve an average return (before applicable taxes and fees) that exceeds the composite benchmark, as determined by the trustee from time to time, over a 3-year period.

      Investment risk

      This option has a medium level of investment risk. A negative investment return may be expected for 3 years in every 20 years.

      Minimum suggested investment timeframe

      Short to medium term – 3 years or more.

      How this option invests

      AssetAllocation-FixedInt-Mar17

      Returns

      See historical investment returns for this option – please remember that past performance is not a reliable indicator of future performance.

      About the Australian Shares option

      The Australian Shares option is a single asset class option that invests wholly or predominantly across a broadly diversified portfolio of Australian shares.

      Note: This investment option is not available for Retirement Access or Defined Benefit investment choice accounts.

      Objective

      The investment objective for this option is to achieve an average return (before applicable taxes and fees) that exceeds that of the S&P ASX300 index with dividends reinvested over a 5-year period.

      Investment risk

      This option has a very high level of investment risk. A negative investment return may be expected for 8 years in every 20 years.

      Minimum suggested investment timeframe

      Medium to long term – 5 years or more.

      How this option invests

      AssetAllocation-AustShares-Mar17

      Returns

      See historical investment returns for this option – please remember that past performance is not a reliable indicator of future performance.

      About the International Shares option

      The International Shares option is a single asset class option that invests wholly or predominantly across a broadly diversified portfolio of international shares.

      Note: This investment option is not available for Retirement Access or Defined Benefit investment choice accounts.

      Objective

      The investment objective for this option is to achieve an average return (before applicable taxes and fees) that exceeds that of the MSCI All Countries World ex Australia 25% hedged to Australian dollars index with dividends reinvested over a 5-year period.

      Investment risk

      This option has a very high level of investment risk. A negative investment return may be expected for 7 years in every 20 years.

      Investment timeframe

      Medium to long term – 5 years or more.

      How this option invests

      AssetAllocation-IntShares-Mar17

      Returns

      See historical investment returns for this option – please remember that past performance is not a reliable indicator of future performance.

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Looking for help or advice about choosing investment options?

If you have questions about choosing investment options for your account, you may want to talk with our Advice team over the phone. There is generally no additional cost to you to use this service for advice relating to your account in the fund.

Find out more

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