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At a glance (Accumulation)
* Investment costs are based on estimated and actual information from the previous financial year. The costs payable in future years may be higher or lower. Administration and other fees also apply. For a full breakdown of fees and costs, see our fees and costs page or Section 6 of the Member Guide.
^ Investment return over 10 years to 31 October 2023, net of investment fees and costs. Administration and other costs apply. Returns won’t display for options younger than 10 years. See the investment returns page for returns over all available periods.
A medium level of risk
Sometimes it might suit your investment style to split your risk down the middle. Our Conservative Balanced option is designed for people with a medium risk appetite. It contains similar proportions of growth and defensive assets.
A diversified mix of assets
Conservative Balanced is a pre-mixed option, meaning it invests in different types of assets, including listed equities, fixed interest, cash, property, infrastructure, private equity, credit and alternatives.
A top performer
The Conservative Balanced option ranks in the top quartile for investment returns over 15 years, compared toother conservative balanced options tracked by SuperRatings.1 And that’s after all investment fees and taxes have been paid.
Who is Conservative Balanced suitable for?
Members with a five years–plus investment time frame who are seeking a diversified pre-mixed investment option with lower risk compared to our MySuper Balanced option. Conservative Balanced has been designed for members seeking a lower allocation to growth assets such as equities (shares) and a higher allocation to fixed interest and cash. It contains a similar proportion of growth and defensive assets.
Our target
asset mix
| Asset class | Benchmark | Range |
|---|---|---|
| Australian shares | 16% | 10–30% |
| International shares (developed markets) | 16% | 10–30% |
| International shares (emerging markets) | 6% | 0–15% |
| Property | 10% | 0–25% |
| Infrastructure | 9% | 0–25% |
| Private equity | 3% | 0–10% |
| Credit | 6% | 0–20% |
| Alternatives | 6% | 0–20% |
| Diversified fixed interest | 15% | 10–40% |
| Cash | 13% | 5–25% |
Past
performance
Accumulation
This table shows the 12-month net return for our Conservative Balanced option at 30 June each year. The net return is the money the investment has earned, minus investment costs and taxes.2
| Year | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|
| Return | 9.72% | 4.96% | -0.07% | 14.19% | -2.10% |
This table shows the average net return for our Conservative Balanced option over 3, 5 and 10 years to 30 June 2022.2
| Year | 3 years | 5 years | 10 years |
|---|---|---|---|
| Average return (p.a.) | 3.76% | 5.17% | 7.06% |
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1. Source: SuperRatings Accumulation Fund Crediting Rate Survey – SR25 Conservative Balanced (41–59) Index, March 2023. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.
2. Administration and other fees also apply. For a full breakdown of fees and costs, see our fees and costs page or Section 6 of the Member Guide. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.