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).

Nov 2020

Some of our members have reported being subject to high-pressure sales techniques from cold callers offering to conduct a... Read more

Oct 2020

It was a Budget like no other, in a year like no other. The Federal Government’s 2020-21 Federal Budget contained... Read more

Aug 2020

From 1 October 2020 there will be changes to Mercy Super’s administration fees and insurance premiums. We’ve highlighted these... Read more