Balanced
If you're a medium to long-term investor and want exposure to investment groups that will potentially give higher returns, our award-winning Balanced may be suitable for you. You need to be prepared to accept that this option could experience negative returns over the short term. Balanced is the default investment option for the Income account.
Objective
CPI +3.5% p.a.
An annual return of CPI +3.5% (after fees and tax), measured over rolling 10-year periods.
Timeframe
5 years
Suited to investors with an investment timeframe of more than 5 years.
Cost of product for $50,0001
$390 p.a.
Cost of product is a summary of ongoing fees and costs that can affect your super investment over 1 year. View detailed fee breakdown
Risk level
Very low
Low
Low to Medium
Medium
Medium to high
High
Very high
Investors should be aware that a negative annual return is expected between two and three times in any 20 years. Read more about the standard risk measure.
Performance
As at 31 March 2023 (updated monthly)
Asset allocation 3
As at 31 December 2022 (updated quarterly)
| Assets |
Allocation 4 |
Ranges 5 |
|
Cash |
4.8% |
0 - 30% |
|
Fixed interest^ |
17.8% |
0 - 35% |
|
Real Estate |
7.4% |
0 - 25% |
|
Equities* |
48.4% |
25 - 75% |
|
Infrastructure |
17.4% |
5 - 30% |
|
Commodities |
0.7% |
0 - 15% |
|
Alternative assets |
3.4% |
0 - 25% |
| Assets |
Allocation 4 |
Ranges 5 |
|
Cash |
3.3% |
0 - 30% |
|
Fixed interest^ |
17.8% |
0 - 35% |
|
Real Estate |
7.4% |
0 - 25% |
|
Equities* |
46.9% |
25 - 75% |
|
Infrastructure |
17.4% |
5 - 30% |
|
Commodities |
2.1% |
0 - 15% |
|
Alternative assets |
5.0% |
0 - 25% |
Shareholdings
As at 31 December 2022 (updated quarterly)
Australian shares - top 10 by value
International shares - top 10 by value
View the detailed list of what this option invests in for Accumulation or Income accounts.
Is this option right for you?
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1. The cost of product assumes a balance of $50,000 at the beginning of the year, and is based on fees and costs for the year ended 30 June 2022. Other fees and costs may apply. If you have insurance, premiums will apply. Investment fees and costs includes an amount of 0.21% for performance fees. Read the Accumulation account product disclosure statement (PDS) for full details.
2. For periods of one year or less, the return is net of fees and costs, and tax. For periods greater than one year, the return is a compound annualised return, net of fees and costs, and tax.
3. Occasionally, there are differences between the asset allocations in Accumulation account and those in Income account, to optimise the strategy and improve the probability of meeting investment objectives. You can check the asset allocation for each by selecting the account type.
4. These figures have been rounded for member reporting.
5. We have the flexibility to invest within these predetermined ranges.