Conservative

Aims:

  • To maximise long-term investment returns, subject to constraints aimed at limiting the risk of loss of capital. 
  • Super & TTR: To outperform an average annual return of CPI plus 2.0% p.a.* over rolling 10-year periods.
  • PensionTo outperform an average annual return of CPI plus 2.5% p.a.* over rolling 10-year periods.
    *net of tax, investment and administration fees.

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.

Risk Level:

Medium.

Investor profile:

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

Investment strategy

The investment benchmark is 35% growth assets and 65% defensive assets, as shown in the table below: 

Growth Assets

  Benchmark % Permitted range %
Australian shares 12  5-25
Overseas shares
12  0-20
Property  7 0-10
Alternative growth* 4 0-10
Total  35%  25-45% 

Defensive Assets

  Benchmark % Permitted range %
Fixed interest 20 20-60
Enhanced Cash
30 10-40
Cash 10 0-20
Alternative income 5 0-20
Total  65%  55-75% 

*Alternative Growth may include private equity, credit and infrastructure

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

The Trustee may adjust the asset mix or vary the investment strategy from time to time. This could include varying the mix between growth assets and defensive assets.

Please note: If you choose this option, you may need to consider whether medium and long-term returns with this option are likely to be high enough to ensure your superannuation grows adequately to meet your retirement income goals.

Super Investment Performance

Current PerformanceHistorical performance to 30/06/2018
OptionFYTD as at 07/12/20181 Year3 Years5 Years7 Years10 Years
MySuper Balanced-2.2%9.4%8.0%9.4%8.9%6.6%
Cash0.6%1.6%1.7%2.2%2.7%3.2%
Enhanced cash0.7%1.9%2.0%2.3%3.0%3.9%
Conservative-0.5%5.2%4.8%5.8%6.0%5.2%
Conservative balanced-1.2%7.3%6.4%7.7%7.6%5.9%
Balanced index-2.0%9.4%7.0%8.7%--
Balanced-2.1%9.5%8.0%9.4%8.9%6.5%
Growth-3.0%11.1%9.1%10.5%9.9%6.7%
High growth-4.1%12.4%9.8%11.4%10.6%6.9%
Australian shares-6.3%14.3%11.5%11.3%10.0%7.2%
Overseas shares-4.2%12.2%8.9%11.9%11.5%7.0%
Balanced socially responsible-2.5%9.0%5.5%8.0%7.2%4.7%

Pension Investment Performance

Current PerformanceHistorical performance to 30/06/2018
OptionFYTD as at 07/12/20181 Year3 Years5 Years7 Years10 Years
MySuper Balanced0.0%-----
Cash0.7%1.9%2.0%2.5%3.2%3.8%
Enhanced cash0.8%2.2%2.3%2.8%3.5%4.5%
Conservative-0.6%5.9%5.4%6.5%6.8%5.9%
Conservative balanced-1.5%8.2%7.1%8.5%8.5%6.6%
Balanced index-2.4%10.4%7.6%9.4%--
Balanced-2.5%10.3%8.8%10.2%9.7%7.2%
Growth-3.4%12.0%9.8%11.4%10.8%7.3%
High growth-4.5%13.7%10.8%12.5%12.1%7.9%
Australian shares-7.1%16.1%12.6%12.2%11.0%8.2%
Overseas shares-4.6%12.6%9.6%13.1%13.3%8.2%
Balanced socially responsible-2.9%9.9%6.1%8.9%8.2%5.7%

Super Unit Price History

DateBuy PriceSell Price
07/12/20181.53971.5384
30/11/20181.54241.5412
23/11/20181.53811.5369
16/11/20181.54311.5419
09/11/20181.54981.5485
02/11/20181.54751.5463
26/10/20181.54141.5401
19/10/20181.55181.5506
12/10/20181.55131.5501
05/10/20181.56481.5636

Pages

Pension Unit Price History

DateBuy PriceSell Price
07/12/20181.62631.6250
30/11/20181.62951.6282
23/11/20181.62431.6230
16/11/20181.63041.6291
09/11/20181.63871.6373
02/11/20181.63591.6346
26/10/20181.62841.6271
19/10/20181.64121.6399
12/10/20181.64061.6392
05/10/20181.65671.6554

Pages