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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.

OptionReturn objective  (net of fees and tax )Likelihood of negative returnsRisk level
CashAt least match Bloomberg Ausbond Bank Bill Index over rolling 5 years6 months in every 20 yearsVery low
Enhanced cashOutperform Bloomberg Ausbond Bank Bill Index over rolling 5 years6 months to 1 year in every 20 yearsLow
ConservativeOutperform CPI +2.5% over rolling 10 years1 to 2 years in every 20 yearsMedium
Conservative balancedOutperform CPI +3.0% over rolling 10 years2 to 3 years in every 20 yearsMedium to high
Balanced indexOutperform CPI +3.3% over rolling 10 years3 to 4 years in every 20 yearsHigh
BalancedOutperform CPI +3.5% over rolling 10 years3 to 4 years in every 20 yearsHigh
Balanced socially responsibleOutperform CPI +3.5% over rolling 10 years3 to 4 years in every 20 yearsHigh
GrowthOutperform CPI +4.0% over rolling 10 years4 to 6 years in every 20 yearsHigh
High growthOutperform CPI +4.5% over rolling 10 years4 to 6 years in every 20 yearsHigh
Overseas sharesOutperform Composite Overseas Shares Index over rolling 10 years6 years in every 20 yearsHigh
Australian sharesOutperform S&P/ASX300 Accumulation Index over rolling 10 years6 years in every 20 yearsVery high
Direct Investment optionN/A - member directed option