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 these summaries, 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 (formerly known as Mix 70). 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.

      About the Balanced (MySuper) option

       

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

      The Balanced option is the default investment option when your account is opened with us if you haven’t told us otherwise.

      Objective

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

      • 2.5% p.a. for Accumulate Plus
      • 3.5% p.a. for Retirement Access.

      Investment risk

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

      Investment timeframe

      The Balanced option has a medium to long investment timeframe – you may need to be invested in this option for 5 years or more before it meets its objective.

      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 option

       

      The Conservative 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 the Conservative option is to achieve the following average return (after applicable taxes and fees) above CPI over a 3-year period:

      • 1% p.a. for Accumulate Plus
      • 2% p.a. for Retirement Access

      Investment risk

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

      Investment timeframe

      The Conservative option has a short to medium investment timeframe – you may need to be invested in this option for 3 years or more before it meets its objective.

      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 option

       

      The Moderate 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 the Moderate option is to achieve the following average return (after applicable taxes and fees) above CPI over a 5-year period:

      • 1.5% p.a. for Accumulate Plus
      • 2.5% p.a. for Retirement Access

      Investment risk

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

      Investment timeframe

      The Moderate option has a medium to long investment timeframe – you may need to be invested in this option for 5 years or more before it meets its objective.

      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 option

       

      The Growth 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 the Growth option is to achieve the following average return (after applicable taxes and fees) above CPI over a 7-year period:

      • 3% p.a. for Accumulate Plus
      • 4% p.a. for Retirement Access

      Investment risk

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

      Investment timeframe

      The Growth option has a long investment timeframe – you may need to be invested in this option for 7 years or more before it meets its objective.

      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.

       

      About the Cash option

       

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

      Objective

      The investment objective for the Cash 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

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

      Investment timeframe

      The Cash option has a short investment timeframe – you may need to be invested in this option for 1 year or more before it meets its objective.

      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 the Fixed Interest 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

      The Fixed Interest option has a low-medium level of investment risk. A negative investment return may be expected for 3 years in every 20 years.

      Investment timeframe

      The Fixed Interest option has a short to medium investment timeframe – you may need to be invested in this option for 3 years or more before it meets its objective.

      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 100% 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 the Australian Shares 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

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

      Investment timeframe

      The Australian Shares option has a medium to long investment timeframe – you may need to be invested in this option for 5 years or more before it meets its objective.

      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 100% 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 the International Shares option is to achieve an average return (before applicable taxes and fees) that exceeds that of the MSCI All Countries World ex Australia 50% hedged index with dividends reinvested over a 5-year period.

      Investment risk

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

      Investment timeframe

      The International Shares option has a medium to long investment timeframe – you may need to be invested in this option for 5 years or more before it meets its objective.

      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.

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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