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)	70% Growth 30% Defensive	Super only	3.99	Medium to High
Growth	82.5% Growth 17.5% Defensive	Super & Income	4.34	High
Balanced	66.5% Growth 33.5% Defensive	Income only	3.46	Medium to High
Conservative	48% Growth 52% Defensive	Super & Income	2.48	Medium
Stable	28% Growth 72% Defensive	Super & Income	1.93	Low to Medium
Socially Responsible	73% Growth 27% Defensive	Super only	Less than 5	High
Australian Shares	100% Growth	Super only	6.79	Very High
International Shares	100% Growth	Super only	6.04	Very High
Cash	100% Defensive	Super & Income	Negligible	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).

Feb 2021

All members are invited to join our Annual Members’ Meeting which will be held at 1:00pm on Monday 1... Read more

Feb 2021

Trustee elections let you have a say in who is on your Trustee Board. Mercy Super is the super... Read more

Feb 2021

Mercy Super established the Socially Responsible investment option in December 2007. This option was designed to provide members access... Read more