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Home Balanced option

Balanced option

The Balanced option in detail - for pension members

Return objective

  • To maximise long-term investment returns while containing fluctuations in returns over shorter periods.
  • To outperform an average annual return of CPI plus 3.5% p.a. net of tax, investment and administration fees over rolling 10-year periods 

Risk profile

Offers a greater emphasis on assets that are likely to achieve higher returns, but includes some lower-risk assets to reduce short-term risks. This option is likely to produce a negative return in 3 to 4 years in every 20 years.

Risk level: 

Medium to high

Investor profile

Will suit investors looking for moderate to high returns over the medium to long-term, but who are prepared to accept some fluctuations in investment performance over shorter periods. 

Minimum suggested time frame for holding the investment is 5 years. 

Asset Allocation

Asset mixBenchmark %Permitted range %
Australian shares2710 – 40
Overseas shares2710 – 40
Property120 – 25
Alternative assets2010 – 30
Fixed interest110 – 20
Cash30 – 20

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.

Performance