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Home Investments Investment options Super investment options

Super investment options

Super members have the choice of 11 investment options, plus the Direct Investment option. Compare risk profile return objectives to find an investment mix that suits you.

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.

   

Single asset class

Cash

Return objective

  • To at least match Bloomberg Ausbond Bank Bill Index over rolling 5-year periods (before administration fees but after investment fees and costs).

Likelihood of negative returns

  • less than 6 months in every 20 years

Risk level

  • Very low

Overseas Shares

Return objective

  • To outperform the MSCI All Country World (ACWI) ex-Australia Index, 50% unhedged and 50% hedged into Australian dollars, net of fees, over rolling 10-year periods.

Likelihood of negative returns

  • 5 years in every 20 years

Risk level

  • High

Australian Shares

Return objective

  • To outperform the return of the S&P/ASX300 Accumulation index, net of fees, over rolling 10-year periods.

Likelihood of negative returns

  • 6 years in every 20 years

Risk level

  • Very high
 

Pre-mixed

Conservative

Return objective* - Outperform CPI with an average annual return, over rolling 10 year periods by

  • + 2.0%

Likelihood of negative returns in every 20 years

  • 1 to 2 years

Risk level

  • Low to Medium

Conservative Balanced

Return objective* - Outperform CPI with an average annual return, over rolling 10 year periods by

  • +2.5%

Likelihood of negative returns in every 20 years

  • 2 to 3 years

Risk level

  • Medium

Balanced Index

Return objective* - Outperform CPI with an average annual return, over rolling 10 year periods by

  • +3.0%

Likelihood of negative returns in every 20 years

  • 4 to 6 years

Risk level

  • High

MySuper Balanced

Return objective* - Outperform CPI with an average annual return, over rolling 10 year periods by

  • +3.0%

Likelihood of negative returns in every 20 years

  • 3 to 4 years

Risk level

  • Medium to High

Balanced

Return objective* - Outperform CPI with an average annual return, over rolling 10 year periods by

  • +3.0%

Likelihood of negative returns in every 20 years

  • 3 to 4 years

Risk level

  • Medium to High

Balanced Socially Responsible

Return objective* - Outperform CPI with an average annual return, over rolling 10 year periods by

  • +3.0%

Likelihood of negative returns in every 20 years

  • 4 to 6 years

Risk level

  • High

Growth

Return objective* - Outperform CPI with an average annual return, over rolling 10 year periods by

  • +3.5%

Likelihood of negative returns in every 20 years

  • 4 to 6 years

Risk level

  • High

High Growth

Return objective* - Outperform CPI with an average annual return, over rolling 10 year periods by

  • +4.0%

Likelihood of negative returns in every 20 years

  • 4 to 6 years

Risk level

  • High

*The annual return and return objectives listed are net of all fees and tax except the weekly $1.30 Administration fee.

 

Self-managed

Direct Investment Option

Return objective

  • Self-determined

Likelihood of negative returns

  • Self-determined

Risk level

  • Self-determined