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Home Investments Investment options Pension investment options

Pension investment options

Pension members have the choice of 11 investment options, plus the Direct Investment option. Compare your options against your own risk appetite and return requirements.

Standard risk measure

legalsuper utilises the Standard Risk Measure, which is based on industry guidance to allow members to compare investment options that are expected to deliver a similar number of negative annual returns over any 20 year period. The Standard Risk Measure is not a complete assessment of all forms of investment risk, for instance it does not detail what the size of a negative return could be or the potential for a positive return to be less than you may require to meet your objectives. You should still ensure you are comfortable with the risks and potential losses associated with your chosen investment options.

Single asset classReturn objective* Likelihood of negative returnsRisk level
CashAt least match Bloomberg Ausbond Bank Bill Index over rolling 5 year periodsless than 6 months in every 20 yearsVery low
Enhanced cashOutperform Bloomberg Ausbond Bank Bill Index over rolling 5 year periods6 months to 1 year in every 20 yearsLow 
Overseas sharesTo outperform the return of the applicable composite overseas shares index, net of fees, over rolling 10-year periods.5 years in every 20 yearsHigh
Australian sharesOutperform S&P/ASX300 Accumulation Index over rolling 10 year periods6 years in every 20 yearsVery high
Pre-mixed Return objective* Outperform CPI with an average annual return, over rolling 10 year periods byLikelihood of negative returns in every 20 yearsRisk level
Conservative+ 2.5% 1 to 2 years Low to Medium
Conservative balanced+ 3.0% 2 to 3 years Medium 
Balanced index+ 3.5% 4 to 6 yearsHigh
Balanced+ 3.5% 3 to 4 yearsMedium to High
Balanced Socially responsible+ 3.5%4 to 6 years High
Growth+ 4.0% 4 to 6 yearsHigh
High growth+ 4.5% 4 to 6 yearsHigh
Self-managedReturn objectiveLikelihood of negative returnsRisk level 
Direct Investment optionSelf-determinedSelf-determinedSelf-determined




*The annual return and return objectives listed are net of all fees and tax except the weekly $1.30 administration fee.