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.
| Option | Return objective (net of fees and tax ) | Likelihood of negative returns | Risk level |
| Cash | At least match Bloomberg Ausbond Bank Bill Index over rolling 5 years | 6 months in every 20 years | Very low |
| Enhanced cash | Outperform Bloomberg Ausbond Bank Bill Index over rolling 5 years | 6 months to 1 year in every 20 years | Low |
| Conservative | Outperform CPI +2.5% over rolling 10 years | 1 to 2 years in every 20 years | Medium |
| Conservative balanced | Outperform CPI +3.0% over rolling 10 years | 2 to 3 years in every 20 years | Medium to high |
| Balanced index | Outperform CPI +3.3% over rolling 10 years | 3 to 4 years in every 20 years | High |
| Balanced | Outperform CPI +3.5% over rolling 10 years | 3 to 4 years in every 20 years | High |
| Balanced socially responsible | Outperform CPI +3.5% over rolling 10 years | 3 to 4 years in every 20 years | High |
| Growth | Outperform CPI +4.0% over rolling 10 years | 4 to 6 years in every 20 years | High |
| High growth | Outperform CPI +4.5% over rolling 10 years | 4 to 6 years in every 20 years | High |
| Overseas shares | Outperform Composite Overseas Shares Index over rolling 10 years | 6 years in every 20 years | High |
| Australian shares | Outperform S&P/ASX300 Accumulation Index over rolling 10 years | 6 years in every 20 years | Very high |
| Direct Investment option | N/A - member directed option |
