Returns over the last 10 years1
Suggested timeframe
Fees2 + admin fees and costs
Suitable if you're an investor who:
Expected number of years of negative annual returns in any 20 years: 3 to less than 4. The risk is based on the standard risk measure (SRM).
| Accumulation and TTR Income accounts: | CPI + 3.5% p.a. |
| Retirement Income accounts: | CPI + 4.0% p.a. |
| Super assets: | $13.4 billion |
| Pension assets: | $18.5 billion |
As at 31 March 20251 (updated quarterly)
Our Balanced Risk-Adjusted (previously QSuper Balanced) option for Accumulation accounts produced returns of -0.09% for the March quarter and 5.16% for the year to 31 March 2025. The 10-year return of 5.68% p.a. is behind the option’s return objective of CPI+3.5% p.a.
After a positive start to 2025, world share market sentiment deteriorated as the quarter progressed in response to the trade war triggered by President Trump’s decisions on tariffs. While emerging market shares produced positive returns, Australian and developed market returns were negative over the quarter, as significant falls in US and Japanese share prices more than offset gains in UK and Europe. After a sharp sell-off in the final months of 2024, both Australian and global fixed income returns were positive over the March quarter.
Our real estate, private equity, and infrastructure portfolios outperformed public markets over the March quarter.
| Accumulation accounts | Retirement Income accounts4 | |
|---|---|---|
| 10 years (p.a.) | 5.68% | 6.50% |
| 7 years (p.a.) | 5.40% | 6.28% |
| 5 years (p.a.) | 5.93% | 6.87% |
| 3 years (p.a.) | 3.87% | 4.35% |
| 1 year | 5.16% | 5.54% |
| 3 months | -0.09% | -0.44% |
Important: Up to 30 June 2024, investment returns for this option are net of administration fees and costs, investment fees and costs, transaction costs and, where applicable, investment taxes. From 1 July 2024, investment performance is net of investment fees and costs, transaction costs and, where applicable, investment taxes, but gross of administration fees and costs. You should consider this when comparing returns between options. Past performance is not a reliable indicator of future performance.
Our team of investment specialists have designed each option with the aim of growing your super savings and maximising your retirement income. Join today
| Strategic asset allocation5 | |
|---|---|
|
Australian
shares
|
21.75% |
|
International
shares
|
23.75% |
|
Unlisted
assets and alternatives
|
30.0% |
|
Fixed
income
|
23.5% |
|
Cash
|
1.0% |
| Total | 100% |
As at 31 March 2025
Our Balanced Risk-Adjusted option is designed to achieve its long-term return objectives with less volatility than similar investment options. It seeks to do this by holding fewer listed shares and more bonds compared to similar options, and as with other ART options, a significant allocation to the key unlisted assets – real estate, infrastructure, private equity, and private debt.
We don't design portfolios based on short-term economic, market, or geopolitical forecasts. However, our investment team and external investment managers do seek to capitalise on opportunities that inevitably emerge during times of heightened market volatility. Those opportunities have increased significantly since the end of March.
Learn more about our wide range of investment options so you can choose what's right for you.
Compare today
You can check and change your investment options anytime in Member Online.
Log in now
We give regular updates on the economy and market, along with how your investments are performing.
Find out more
We’re available to speak by phone or live chat between 8:00am–7:30pm AEST/AEDT Monday to Friday.
Contact us today
We're one of the largest super funds in Australia. Join today and enjoy the benefits as we grow even more.
Join todayImportant information
Balanced Risk-Adjusted returns are calculated based on the valuation date unit price.
