With a similar split of growth and defensive assets, Conservative Balanced does exactly what its name suggests. If you’re seeking a lower-risk investment approach with competitive long-term returns1, this could be the option for you.
* 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 the Pension 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 investment returns page for returns over all available periods. Past performance is not a reliable indicator of future performance.
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.
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.
The Conservative Balanced option ranks in the top quartile for investment returns over 10 years, compared to similar options.2 And that’s after all investment fees and taxes have been paid.
Members with a five years–plus investment time frame who are seeking a diversified pre-mixed investment option with lower risk compared to our 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.
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% |
Simply read the offer documents and start creating your application.
Our approach to investing is driven by our strong, diverse and proven investment beliefs.1 We’re not afraid to be different to other investment managers and super funds.
Our investment funds are managed by some of the world’s largest and top-performing asset managers.1
1. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.
2. Source: SuperRatings Pension Fund Crediting Rate Survey – SRP25 Conservative Balanced (41–59) Index, June 2022. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.
3. Administration and other fees also apply. For a full breakdown of fees and costs, see the Pension Guide. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.