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Your Super Savings investment options

Whether you’re happy to leave your investment choice to us, or a hands-on investor, we offer a wide range of investment options to suit different risk profiles and retirement goals.

The choice is yours

 Choose our default option - the Lifecycle Investment Strategy (for Accumulation accounts only).

 Choose from our single asset class options and/or diversified options to build an investment strategy that suits your needs and risk appetite.

 Choose a ready-made diversified option.

Download the Super Savings Investment guide to learn more about our investment options.

Ready-made diversified options

Choose one of our ready-made diversified investment options that contain a varying mix of asset classes and come with varying levels of risk.

 

Balanced

Designed for members who:

  • Want to generate wealth over the long-term.

Minimum suggested timeframe

  • 5 years.
  • Designed for long-term wealth accumulation so you need patience.

Features

  • Invests in a wide variety of asset classes to gain the benefits of diversification.
  • Combination of active, enhanced index and index investment management.
  • Invests in over 40 investment managers for diversification.
  • Large allocation to Australian and international shares for exposure to economic growth.  

Objectives

Beat inflation over 10 years:

  • Accumulation account and Transition to retirement income account by 3.5% p.a. and Retirement income account by 4.0% p.a. (after Investment fees and costs and where applicable investment taxes).

Risks

Medium to High levels of volatility in the returns from year to year.

Standard Risk Measure

  • Expected number of years of negative returns over any 20 year period: 3 to less than 4.
  • Risk Label: Medium to High
  • Risk Band: 5

Fees

 Asset Allocation

Strategic (%)
Allowable Range (%)
Australian shares 26.5 0-50
International shares 27 0-70
Private capital 6.5 0-15
Property 9.5 0-30
Infrastructure
8.5 0-20
Fixed Income 12.5 0-30
Alternative strategies 5.5 0-25
Cash 4 0-25

Investment performance

Ready for a change?

You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84

Learn more about investment options

download buttonDownload the Super Savings Investment guide

Growth

Designed for members who:

  • Want to generate wealth over the long-term.
  • Want less risk than an option invested solely in shares.

Minimum suggested timeframe

  • 7 years.
  • Designed for long-term wealth accumulation, so you need patience.

Features

  • Invests in a wide variety of asset classes to gain the benefits of diversification.
  • Combination of active, enhanced index and index investment management.
  • Invests in over 40 investment managers for diversification.
  • Primarily invests in Australian and international shares and a range of unlisted growth assets for exposure to economic growth.

Objectives

Beat inflation over 10 years:

  • Accumulation account and Transition to retirement income account by 4.0% p.a. and Retirement income account by 4.5% p.a. (after Investment fees and costs and where applicable investment taxes).

Risks

High levels of volatility in the returns from year to year. 

Standard Risk Measure

  • Expected number of years of negative returns over any 20 year period: 4 to less than 6.
  • Risk Label: High
  • Risk Band: 6

Fees

Asset Allocation

Strategic (%)
Allowable Range (%)
Australian shares 34 0-50
International shares
32 0-70
Private capital 10 0-20
Property 8.5 0-30
Infrastructure
8.5 0-20
Fixed Income 2 0-20
Alternative strategies 5 0-20
Cash 0 0-20

Investment performance

Ready for a change?

You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84

Learn more about investment options

download buttonDownload the Super Savings Investment guide

Conservative

Designed for members who:

  • Seek less volatile returns for their super while maintaining some growth exposure.
  • Are likely to use their money in the short-term.

Minimum suggested timeframe

  • 3 years.
  • Designed for short-term wealth maintenance rather than long-term wealth accumulation.

Features

  • Invests in a wide variety of asset classes to gain the benefits of diversification.
  • Combination of active, enhanced index and index investment management.
  • Invests in over 40 investment managers for diversification.
  • Mainly invests in fixed interest and cash to reduce the volatility of returns.

Objectives

  • Returns (after Investment fees and costs and where applicable investment taxes) of 1% p.a. above the Bloomberg AusBond Bank Bill Index after investment tax (where applicable) over a 3-year period.

Risks

Low levels of volatility in the returns from year to year.

Standard Risk Measure

  • Expected number of years of negative returns over any 20 year period: 0.5 to less than 1.
  • Risk Label: Low
  • Risk Band: 2

Fees

Asset Allocation

Strategic (%)
Allowable Range (%)
Australian shares 9.25 0-30
International shares
7.25 0-30
Private capital 4.5 0-10
Property 8 0-20
Infrastructure 6.5 0-20
Fixed Interest 34.5 0-70
Alternative strategies 8 0-15
Cash 22 0-100

Investment performance

Ready for a change?

You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84

Learn more about investment options

download button iconDownload the Super Savings Investment guide

Retirement

Designed for members who:

  • Are close to, or have reached retirement.
  • Want to generate wealth over the medium to long-term, while reducing the fluctuations of returns in the short-term.

Minimum suggested timeframe

  • 5 years.
  • Designed for some medium-term wealth accumulation.

 Features

  • Invests in a wide variety of asset classes to gain the benefits of diversification.
  • Combination of active, enhanced index and index investment management.
  • Invests in over 40 investment managers for diversification.
  • Employs option strategies from time to time to reduce the impact of share market falls. 

Objectives

Beat inflation over 10 years:

  • Accumulation account and Transition to retirement income account by 2.75% p.a. and Retirement income account by 3.25% p.a. (after Investment fees and costs and where applicable investment taxes).

Risks

Medium levels of volatility in the returns from year to year.

Standard Risk Measure

  • Expected number of years of negative returns over any 20 year period: 2 to less than 3.
  • Risk Label: Medium
  • Risk Band: 4

Fees

Asset Allocation

Strategic (%) Allowable Range (%)
Australian shares 19 0-50
International shares 15.5 0-55
Private capital 5.5 0-15
Property 9.5 0-30
Infrastructure 8 0-20
Fixed Interest 26.5 0-50
Alternative strategies 7 0-15
Cash 9 0-25

Investment performance

Ready for a change?

You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84

Learn more about investment options

download button iconDownload the Super Savings Investment guide

Diversified options:

Actively managed:

Index (passively managed):

  • Balanced – Index 

Single asset class options:

Actively managed:

  • Shares
  • Australian Shares
  • Property
  • Diversified Bonds
  • Cash

Index (passively managed):

  • Australian Shares – Index
  • International Shares – Index (hedged)
  • International Shares – Index (unhedged)
  • Emerging Markets Shares
  • Australian Property – Index
  • Diversified Bonds – Index

Investment performance

Ready for a change?

You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84

Learn more about investment options

Download the Super Savings Investment guide