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Conservative

Conservative option in detail - for super members

Return objective

  • To maximise long-term investment returns, subject to constraints aimed at limiting the risk of loss of capital. 
  • To outperform an average annual return of CPI + 2.0% pa over rolling 10-year periods (net of all fees and tax except the weekly $1.30 Administration fee.)

Risk level

Low to medium

Risk profile

Offers the likelihood of higher long-term investment returns than cash with greater fluctuations from year to year. Capital invested in this option is not guaranteed. This option is likely to produce a negative return in 1 to 2 years in every 20.

Investor profile

Will suit investors looking for lower volatility in returns, but who are prepared to accept some exposure to growth assets. 

Minimum suggested time frame for holding the investment is 3 years. 

Disclaimers & Assumptions

All investment performance and unit pricing is net of tax and fees, except the weekly $1.30 Administration fee.
Returns have not been adjusted for the affect of any fee capping arrangement. Investment returns are not guaranteed, and past performance is not necessarily a guide to future performance.

This information on this website is general information and does not take into account your specific financial situation, objectives or needs. You should obtain and read the Product Disclosure Statement (PDS) relevant to your account type, found here.

You should consider obtaining personal advice from a licensed financial adviser before making any decision based on matters included on this website.

About unit pricing

Each Investment option (with the exception of the Direct Investment Option) pools member contributions, which are then used to purchase assets such as shares, property, bonds and cash for that option. The assets of each option pool are notionally divided into units – or a share of those assets. The value or price of each unit is determined by the value of the pool of assets. As the value of the assets increase, the unit price rises. If the value of the pool of assets decreases, the unit price falls. If you contribute additional money to an option, you buy more units. If money is withdrawn to pay fees or to pay you a benefit, units are sold. To calculate the value of your investment, you multiply the number of units you have been allocated in the option by the current unit sell price.

Your personal return will differ from the above performance figures depending on your investment option(s), when you joined the fund, transactions, fees charged, and investment switches.

To view your own investment option, and your personal investment returns, log in to MemberAccess. For more information about unit pricing, and investment returns are applied to your account, refer to the relevant Product Disclosure Statement.