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Balanced Index

A diversified portfolio of listed assets with around 75% growth assets (Australian and international shares).

Summary

As at 30 June 2024

 

7.40% p.a.

Returns over the last 10 years1

5+ years

Suggested timeframe

0.09% p.a.

Fees2 + admin fees and costs

Who it suits

Suitable if you're an investor who:

  • wants a diversified portfolio with around 75% growth assets
  • wants to grow your super over the long term and wants an option that's lower cost than an actively managed option
  • is prepared to accept the option can have negative returns over the shorter term and has a higher allocation to growth assets than the Balanced option. It invests in listed asset classes that follow market indices and so will generally have lower fees than some of the actively managed diversified options
  • is prepared to accept high levels of volatility in returns from year to year.

Risk3

 
  • Very low
  • Low
  • Low to medium
  • Medium
  • Medium to high
  • High
  • Very high

Expected number of years of negative annual returns in any 20 years: 4 to less than 6. The risk is based on the standard risk measure (SRM).

Investment objective3

Accumulation and TTR Income accounts: CPI + 3.0% p.a.
Retirement Income accounts: CPI + 3.5% p.a.

Option size

Super assets: $1.3 billion
Pension assets: $585 million

Balanced Index performance

As at 30 June 20241

Our Balanced Index option produced returns of 0.2% in the June quarter and 12.1% for the year to June 2024. The ten 10-year return of 7.4% p.a. is well above the option’s return objective of CPI plus 3.0% p.a.

Global share markets in aggregate produced positive returns over the June quarter and very strong returns over the year to June 2024. All the major share markets produced strong gains for the year.

Global and Australian bonds reported small losses over the quarter as yields rose (and bond prices fell) in most of the world’s major bond markets.

Accumulation accounts Retirement Income accounts4
10 years (p.a.) 7.40% 8.20%
7 years (p.a.) 7.22% 7.93%
5 years (p.a.) 6.64% 7.20%
3 years (p.a.) 4.61% 4.91%
1 year 12.13% 13.05%
3 months 0.15% 0.15%

Past performance isn't a reliable indicator of future performance. Returns shown are after investment fees and costs, transaction costs and investment taxes (where relevant) but before all other fees and costs.
Returns shown here for our Accumulation account are also the returns that apply for Transition to Retirement income accounts. Tax generally doesn't apply to investment earnings in Retirement Income accounts.

Balanced Index asset allocation

 

 Strategic asset allocation5
Australian shares
33.75%
International shares
41.25%
Fixed income
25.0%
Unlisted Assets and Alternatives
0.0%
Cash
0.0%
Total 100%

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  1. Past performance isn't a reliable indicator of future performance. Returns shown are after investment fees and costs, transaction costs and investment taxes (where relevant) but before all other fees and costs. Returns shown in the Summary table above are for Accumulation accounts. To show the performance of the Accumulation and Retirement Income accounts, we've used Sunsuper for life Balanced Index option returns up to 28 February 2022, then Super Savings Balanced Index option returns after that date.
  2. Fees refers to investment fees and costs and transaction costs.
  3. When reading the objectives and/or risks please also read the information in the PDS that applies to you.
  4. Tax generally doesn't apply to investment earnings in Retirement Income accounts.
  5. From 1 July 2024. For more information on these asset classes, strategic asset allocations, and allowable ranges, read the PDS that applies to you.