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Home Investments Investment options Super investment options

Super investment options

Super members have the choice of 12 investment options, plus the Direct Investment option. Compare risk profile return objectives to find an investment mix that suits you.

OptionReturn objective  (net of fees)Likelihood of negative returnsRisk level
CashAt least match Bloomberg Ausbond Bank Bill Index over rolling 5 year periodsless than 6 months in every 20 yearsVery low
Enhanced cashOutperform Bloomberg Ausbond Bank Bill Index over rolling 5 year periods6 months to 1 year in every 20 yearsLow 
ConservativeOutperform CPI +2.0% over rolling 10 year periods1 to 2 years in every 20 yearsLow to Medium
Conservative balancedOutperform CPI +2.5% over rolling 10 year periods2 to 3 years in every 20 yearsMedium 
Balanced indexOutperform CPI +2.8% over rolling 10 year periods3 to 4 years in every 20 yearsMedium to High
MySuper balancedOutperform CPI +3.0% over rolling 10 years periods3 to 4 years in every 20 years Medium to High
BalancedOutperform CPI +3.0% over rolling 10 years periods3 to 4 years in every 20 yearsMedium to High
Balanced socially responsibleOutperform CPI +3.0% over rolling 10 year periods3 to 4 years in every 20 yearsMedium to High
GrowthOutperform CPI +3.5% over rolling 10 year periods4 to 6 years in every 20 years High
High growthOutperform CPI +4.0% over rolling 10 years periods4 to 6 years in every 20 yearsHigh
Overseas sharesOutperform Composite Overseas Shares Index over rolling 10 years5 years in every 20 yearsHigh
Australian sharesOutperform S&P/ASX300 Accumulation Index over rolling 10 year periods6 years in every 20 yearsVery high
Direct InvestmentsN/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.