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Conservative

The Conservative option in detail - for pension members

Aims

  • To maximise long-term investment returns, subject to constraints aimed at limiting the risk of loss of capital. 
  • To outperform an average annual return of CPI plus 2.5% p.a. net of tax, investment and administration fees over rolling 10-year periods.

Risk profile

Offers the likelihood of higher long-term investment returns than cash with greater fluctuations from year to year. Capital invested in this option is not guaranteed. This option is likely to produce a negative return in 1 to 2 years in every 20.

Risk level: medium

Medium chart

Investor profile

Will suit investors looking for lower volatility in returns, but who are prepared to accept some exposure to growth assets. 

Investment strategy

Conservative chart

*Alternative growth may include private equity, credit and infrastructure

Minimum suggested time frame for holding the investment is 3 years. 

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.

Please note: If you choose this option, you may need to consider whether medium and long-term returns with this option are likely to be high enough to ensure your superannuation grows adequately to meet your retirement income goals.

Performance

Conservative pension performance chart

Returns shown are net of investment fees and tax, gross of administration fees. Past performance is not an indicator of future performance.