Investment options

The table below summarises all of our investment options, including their strategic allocation to Growth and Defensive assets and risk rating.

Investment option	Asset type (based on Strategic Asset Allocation)	Super / income account	Estimated number of negative annual returns over any 20 year period	Risk label
MySuper Balanced (default option)	73% Growth 27% Defensive	Super only	4.68	High
Growth	84.5% Growth 15.5% Defensive	Super & Income	5.03	High
Balanced	73% Growth 27% Defensive	Income only	4.68	High
Conservative	54% Growth 46% Defensive	Super & Income	3.66	Medium to High
Stable	37% Growth 63% Defensive	Super & Income	2.79	Medium
Socially Responsible	75% Growth 25% Defensive	Super only	5.97	High
Australian Shares	100% Growth	Super only	7.09	Very High
International Shares	100% Growth	Super only	6.73	Very High
Cash	100% Defensive	Super & Income	Less than 0.5	Very Low

Risk and Return

When discussing investments, you’ll hear a lot about “Risk and Return” – but what does this actually mean?

Risk essentially means volatility – how frequently and by how much investment returns can move up and down.
Return refers to the change in value of your super investment – which can be positive (an increase in value) or negative (a decrease in value) over a given period of time.

Risk and Return are related – generally investment options aiming for higher returns carry more risk (volatility).

Jul 2021

In February 2021 we advised members of the decision to redeem the assets supporting the Socially Responsible investment option... Read more

Jun 2021

If you’ve made contributions to your super from your after-tax income you may be able to claim them as... Read more

Jun 2021

In late May 2021, the Government announced an extension of the temporary reduction in the minimum drawdown requirements for... Read more