Balanced
If you're a medium to long-term investor and want exposure to investments 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. Our Lifetime Pension also invests in the Retirement Income account Balanced option.
Accumulation objective
CPI +3.5% p.a.
For Accumulation and Transition to Retirement Income accounts
An annual return of CPI +3.5% (after fees, costs and tax1), measured over rolling 10-year periods.
Income objective
CPI +4.0% p.a.
For Retirement Income accounts
An annual return of CPI +4.0% (after fees and costs1), 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 $50,0002
$450 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 3 and 4 times in any 20 years. Read more about the standard risk measure.
Performance
As at 31 August 2023 (updated monthly)
Asset allocation 4
As at 30 June 2023 (updated quarterly)
| Assets |
Allocation 5 |
Ranges 6 |
|
Cash |
5.3% |
0 - 30% |
|
Fixed interest^ |
18.0% |
0 - 35% |
|
Real Estate |
5.9% |
0 - 25% |
|
Equities* |
49.5% |
25 - 75% |
|
Infrastructure |
17.4% |
5 - 30% |
|
Commodities |
0.4% |
0 - 15% |
|
Alternative assets |
3.6% |
0 - 25% |
| Assets |
Allocation 5 |
Ranges 6 |
|
Cash |
3.4% |
0 - 30% |
|
Fixed interest^ |
18.4% |
0 - 35% |
|
Real Estate |
5.9% |
0 - 25% |
|
Equities* |
48.1% |
25 - 75% |
|
Infrastructure |
17.5% |
5 - 30% |
|
Commodities |
1.4% |
0 - 15% |
|
Alternative assets |
5.2% |
0 - 25% |
Shareholdings
As at 30 June 2023 (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.
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1. For Accumulation and Transition to Retirement accounts, this means after investment fees and costs, transaction costs, and investment taxes. For Retirement Income accounts, this means after investment fees and costs, and transaction costs.
2. 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 2023. Other fees and costs may apply. If you have insurance, premiums will apply. Investment fees and costs includes an amount of 0.26% for performance fees. Read the Accumulation account product disclosure statement (PDS) for full details.
3. Returns are net of administration fees and costs, investment fees and costs, transaction costs and investment taxes where relevant, deducted from the unit price. For periods greater than 1 year, the return is a compound annualised return.
4. 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.
5. These figures have been rounded for member reporting.
6. We have the flexibility to invest within these predetermined ranges.