Compare investment options

Super is a long-term investment and one of the keys to a comfortable retirement lifestyle.

Each option has different objectives and characteristics for you to consider.

Investment option Target rate of return1 Investment time horizon Risk of negative return
High Growth CPI + 4.5% 10 yrs + On average 4 to 6 years in 20
Socially Responsible The Socially Responsible option provides investors with risk and return characteristics likely to be similar to that of an industry growth fund. The risk of a negative return is on average 4 to 6 years in 20.
Balanced CPI + 3.5% 10 yrs + On average 4 to 6 years in 20
Moderate CPI + 3.0% 6 yrs + On average 3 to 4 years in 20
Conservative CPI + 2.0% 4 yrs + On average 2 to 3 years in 20
Capital Defensive CPI + 1% 2 yrs + On average between 0.5 and one year in 20
Cash The Reserve Bank of Australia cash rate 0 yrs + On average less than 0.5 years in 20

Generally speaking, as the risk of negative return rises, so does the potential for a higher return.

As well as understanding the general risks of investing it's important to consider the level of risk involved with each investment option.

To switch investment options log into our online member portal.

 

Take an interest in how your super is invested.

Find out more about each investment option and use the ‘What Type of Investor Am I?’ Calculator along with a qualified financial adviser to help you assess your situation and understand your options.

Check out your investment option’s track record with rates of return.

Keep tabs on how your super is growing with the latest unit prices.

Analysing the market as a whole and knowing how different financial markets are performing can help you. Find out more in the Investments section.

Rates of return give you a recent and longer term perspective of how each option has performed. It is important to remember that past performance should not be taken as an indication of future performance. Analyse returns in relation to the performance of the market as a whole to get the big picture.

Keep in mind that Triple S is an untaxed scheme which means returns are reported without taking tax into account. Most other funds are taxed funds and report their investment earnings after tax.

 

Investment Performance

Growth investment option will no longer be available after 25 January 2021.

Rates of returns to 31 July 2021
net of investment fees.
Investment Option 1 mth 3 mths FYTD 1 year 3 years 5 years 10 years
  % % % % % p.a. % p.a. % p.a.
High Growth 1.01 4.85 1.01 24.64 9.89 10.77 10.82
Socially Responsible~ 2.16 6.22 2.16 21.98 9.17 8.84 9.07
Growth 4 - - - - - - -
Balanced 1.07 4.6 1.07 21.8 9.49 9.45 9.55
Moderate^ 0.93 3.52 0.93 15.33 7.38 7.47 8.08
Conservative 0.77 2.46 0.77 10.8 6.15 6.12 6.91
Capital Defensive 0.7 1.74 0.7 6.5 4.7 4.54 5.45
Cash 0.01 0.02 0.01 0.13 0.99 1.36 2.25

 

~ Option introduced 1 March 2009

^ Option introduced 1 July 2006

 

Monthly Asset Allocations

Growth investment option will no longer be available after 25 January 2021.

Month:

Asset class High
Growth
Growth Balanced Moderate Conservative Capital
Defensive
Cash
  % % % % % % %
Cash 2.7 4.0 9.4 10.9 14.1 100.0
Fixed
Interest
7.8 14.7 22.8 36.6
Inflation
Linked
Securities
4.9 10.8 14.9 14.8
Diversified
Strategies
Income
6.9 7.9 11.8 17.7 16.7
Property 14.6 10.8 8.8 7.6 4.6
Australian
Equities
27.1 24.1 17.0 11.1 6.1
International
Equities
40.4 34.3 24.2 15.0 7.0
Diversified
Strategies
Growth
8.3 6.3 3.3
Total 100 0 100.1 100 100 99.9 100

 

 


1 Investment objectives state what each option aims to achieve. They are designed to help members with their investment decisions. The objectives have been developed having regard for the long term performance and characteristics of financial markets and taking into account expert advice provided by JANA. There is no guarantee, however, that the objectives will be met. This is because financial markets are volatile and future returns may vary from past returns. Indeed, for funds with exposure to growth assets there is a material likelihood that returns may be negative in any particular year.