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  4. Investment options available to you

We offer a range of investment options you can choose for your account. A summary of each 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. 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 should 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 that has underlying investments across most major asset classes. It has a higher weighting to asset classes seeking growth, with a smaller allocation to those seeking income generation.

      This option applies by default if you've never made an investment choice.

      Investment objective

      To achieve an average return over a 10-year period, after applicable taxes and fees are deducted, of:

      • 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 standard risk measure of 5, which is Medium-High. A negative annual investment return may be expected for 3 to less than 4 years in every 20 years.

      Minimum suggested investment timeframe

      Medium to long term – 5 years or more.

      How this option invests – strategic asset allocation (benchmark allocation, as well as minimum & maximum percentages that we may hold)

      • Fixed Interest & Cash = 17% (13-21%)
      • Alternatives = 10% (5-15%)
      • Real Assets = 18% (9-27%)
      • Multi-Assets = 25% (20-30%)
      • Shares = 30% (25-35%)

      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 that has underlying investments across most major asset classes. It has a higher weighting to asset classes seeking income generation, with a smaller allocation to those seeking growth.

      Investment objective

      To achieve an average return over a 10-year period, after applicable taxes and fees are deducted, of:

      • 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 a Standard Risk Measure of 2, which is Low. A negative annual investment return may be expected for 0.5 to less than 1 year in every 20 years.

      Minimum suggested investment timeframe

      Short to medium term – 3 years or more.

      How this option invests – strategic asset allocation (benchmark allocation, as well as minimum & maximum percentages that we may hold)

      • Fixed Interest & Cash = 67% (62-72%)
      • Alternatives = 5% (2-8%)
      • Real Assets = 8% (3-13%)
      • Multi-Assets = 10% (7-13%)
      • Shares = 10% (7-13%)

      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 that has underlying investments across most major asset classes. It has a broadly balanced weighting to asset classes seeking growth and those seeking income generation.

      Investment objective

      To achieve an average return over a 10-year period, after applicable taxes and fees are deducted, of:

      • 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 a Standard Risk Measure of 4, which is Medium. A negative annual investment return may be expected for 2 to less than 3 years in every 20 years.

      Minimum suggested investment timeframe

      Medium to long term – 5 years or more.

      How this option invests – strategic asset allocation (benchmark allocation, as well as minimum & maximum percentages that we may hold)

      • Fixed Interest & Cash = 42% (37-47%)
      • Alternatives = 7% (3-11%)
      • Real Assets = 13 (6-20%)
      • Multi-Assets = 18% (14-22%)
      • Shares = 20% (16-24%)

      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 that has underlying investments across most major asset classes. It has a high weighting to asset classes seeking growth, with a small allocation to those seeking income generation.

      Investment objective

      To achieve an average return over a 10-year period, after applicable taxes and fees are deducted, of:

      • 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 Standard Risk Measure of 5, which is Medium-High. A negative annual investment return may be expected for 3 to less than 4 years in every 20 years.

      Minimum suggested investment timeframe

      Long term – 7 years or more.

      How this option invests – strategic asset allocation (benchmark allocation, as well as minimum & maximum percentages that we may hold)

      • Fixed Interest & Cash = 5% (2-8%)
      • Alternatives = 10% (5-15%)
      • Real Assets = 20% (9-31%)
      • Multi-Assets = 25% (20-30%)
      • Shares = 40% (35-45%)

      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 that has underlying investments solely in cash assets.

      Investment objective

      To achieve an average return over a 10-year period, before applicable taxes and fees are deducted, that exceeds that of the Bloomberg AusBond Bank Bill Index.

      Investment risk

      This option has a Standard Risk Measure of 1, which is Very Low. A negative annual investment return may be expected for less than 0.5 years in every 20 years.

      Minimum suggested investment timeframe

      Short term – 1 year or more.

      How this option invests – strategic asset allocation (benchmark allocation, as well as minimum & maximum percentages that we may hold)

      • Fixed Interest & Cash = 100% (this option invests 100% in cash assets within the Fixed Interest & Cash asset class)

      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 has underlying investments predominantly across a broadly diversified portfolio of fixed interest assets.

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

      Investment objective

      To achieve an average return over a 10-year period, before applicable taxes and fees are deducted, that exceeds the composite benchmark determined by the trustee.

      Investment risk

      This option has a Standard Risk Measure of 2, which is Low. A negative annual investment return may be expected for 0.5 to less than 1 year in every 20 years.

      Minimum suggested investment timeframe

      Short to medium term – 3 years or more.

      How this option invests – strategic asset allocation (benchmark allocation, as well as minimum & maximum percentages that we may hold)

      • Fixed Interest & Cash = 100% (this option invests 75-85% in fixed interest assets and 15-25% in cash assets within the Fixed Interest & Cash asset class)

      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 has underlying investments 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.

      Investment objective

      To achieve an average return over a 10-year period, before applicable taxes and fees are deducted, that exceeds that of the S&P ASX300 index with dividends reinvested.

      Investment risk

      This option has a Standard Risk Measure of 7, which is Very High. A negative annual investment return may be expected for 6 or more years in every 20 years.

      Minimum suggested investment timeframe

      Medium to long term – 5 years or more.

      How this option invests – strategic asset allocation (benchmark allocation, as well as minimum & maximum percentages that we may hold)

      • Shares = 100% (This option invests 100% in Australian shares within the Shares asset class. Investment managers have discretion to hold cash assets to a maximum of 5-10%.)

      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 has underlying investments 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.

      Investment objective

      To achieve an average return over a 10-year period, before applicable taxes and fees are deducted, that exceeds that of the MSCI All Countries World ex Australia 25% hedged to Australian dollars index with dividends reinvested.

      Investment risk

      This option has a Standard Risk Measure of 6, which is High. A negative annual investment return may be expected for 4 to less than 6 years in every 20 years.

      Minimum suggested investment timeframe

      Medium to long term – 5 years or more.

      How this option invests – strategic asset allocation (benchmark allocation, as well as minimum & maximum percentages that we may hold)

      • Shares = 100% (This option invests 100% in international shares within the Shares asset class. Investment managers have discretion to hold cash assets to a maximum of 5-10%.)

      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 the Advice team. There is generally no additional cost to you to use this service for advice relating to your account in the fund.

Find out more

Other useful resources

    Choosing an investment option

    It's important to understand how your money is invested through your super fund. Here are some things to consider. (Source: Association of Superannuation Funds of Australia)

    Super investment options

    Your super fund invests your money for you. Most funds let you choose from a range of investment options, from conservative to growth. (Source: ASIC MoneySmart)

    How to invest

    This article provides some handy tips on what to consider when investing. (Source: ASIC MoneySmart)