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Investment options

The way your super is invested can make a big difference to your future. Taking the time to understand how your super is invested and whether the strategy is right for you could have some big pay-offs down the track.

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
84.5% Growth
15.5% Defensive
Super & Income 5.03 High
73% Growth
27% Defensive
Income only 4.68 High
54% Growth
46% Defensive
Super & Income 3.66 Medium to High
37% Growth
63% Defensive
Super & Income 2.79 Medium
75% Growth
25% Defensive
Super only 5.97 High
100% Growth
Super only 7.09 Very High
100% Growth
Super only 6.73 Very High
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).

 

Latest news

Restructure of the Socially Responsible investment option

Restructure of the Socially Responsible investment option

In February 2021 we advised members of the decision to redeem the assets supporting the Socially Responsible investment option... Read more
Claiming a tax deduction for your personal super contributions

Claiming a tax deduction for your personal super contributions

If you’ve made contributions to your super from your after-tax income you may be able to claim them as... Read more
Extension of temporary reduction in minimum drawdown requirements for account based income streams

Extension of temporary reduction in minimum drawdown requirements for account based income streams

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