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