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Moderate

Balanced

Socially
Responsible

Aggressive

Cash

Diversified
Bonds

International
Shares

Australian
Shares

Balanced

Balanced investment option icon

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)
Account 1 month 3 months 1 year 3 years p.a. 5 years p.a. 7 years p.a. 10 years p.a.
Accumulation 0.89% 3.18% -0.16% 6.17% 5.25% 6.15% 7.16%
Income 0.82% 3.33% 0.01% 7.32% 6.23% 7.12% 8.06%
Past performance is not a reliable indicator of future performance.2

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%

^ In the Lifetime option and Diversified options these assets provide diversification, a hedge against inflation and target yield enhancement. This asset class is also referred to as bonds.
* Equities includes Australian Shares (9.7%), International Shares (31.0%) and Private Equity (7.7%).

View the detailed list of what this option invests in for Accumulation or Income accounts.

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%

^ In the Lifetime option and Diversified options these assets provide diversification, a hedge against inflation and target yield enhancement. This asset class is also referred to as bonds.
* Equities includes Australian Shares (9.4%), International Shares (29.9%) and Private Equity (7.6%).

View the detailed list of what this option invests in for Accumulation or Income accounts.

Shareholdings

As at 31 December 2022 (updated quarterly)

Australian shares - top 10 by value

No. Stock
1 BHP    
2 CSL Limited
3 Commonwealth Bank of Australia
4 National Australia Bank
5 Transurban Group
6 Wesfarmers Limited
7

Westpac    

8 ANZ Group
9 Woodside Energy Group
10 APA Group

The Australian shares portfolio is managed by State Street Global Advisors

International shares - top 10 by value

No. Stock
1 Apple
2

ASML

3 Taiwan Semiconductor
4 Nestle
5 Lilly
6 Renaissancere
7 Samsung
8 Con Edison Inc.
9 McCormick & Co
10 Dominion Energy

The International shares portfolio is managed by State Street Global Advisors

View the detailed list of what this option invests in for Accumulation or Income accounts.

Is this option right for you?

In just 10-15 minutes, you can get personal financial advice about a range of different investment options for your QSuper account.

Get advice

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.

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