Moderate

Balanced

Socially
Responsible

Aggressive

Cash

Diversified
Bonds

International
Shares

Australian
Shares

Diversified Bonds

outlook

If you are a short to medium-term investor who wants steady returns, the Diversified Bonds option may be suitable for you. However, you should be prepared for the value of your investment to have small movements over the short term.

 

Objective

To match the return of a 40% Australian and 60% international diversified bonds index (hedged in $AUD), after fees, costs and tax, where relevant.1

Timeframe

3 years

Suited to investors with an investment timeframe of more than 3 years.

Cost of product for $50,0002

$325 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 return is expected between 1 and 2 times in any 20 years. Read more about the standard risk measure.

Performance

As at 30 November 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 1.66% 0.42% 0.92% -2.89% 0.57% 0.93% 2.00%
Income 1.99% 0.50% 1.27% -3.33% 0.67% 1.09% 2.32%
Past performance is not a reliable indicator of future performance.3

Asset allocation

As at 30 September 2023 (updated quarterly)
Assets Allocation Ranges
Cash* 0% 0 - 10%
Fixed interest^ 100% 90 - 100%

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

Find out about our sustainable investment approach.

Fund managers

As at 30 September 2023 (updated quarterly)

This investment option is managed by QIC and invested in the QIC Diversified Fixed Interest Fund.

Geographic breakdown

The geographic breakdown of the QIC Diversified Fixed Interest Fund was:

Region %
Australia 40.2%
US 18.1%
Europe 26.1%
Asia 0.0%
Other 15.7%

Composition

The composition of the QIC Diversified Fixed Interest Fund was:

Asset type %
Government 23.9%
Semi-Government 7.9%
Supranationals 2.2%
Financials 35.0%
Corporates 26.8%
Securitised 1.0%
Other -9.1%
Cash (Liquidity) 12.3%

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.

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1. This means after investment fees and costs, transaction costs, and investment taxes where relevant.
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 0.04% 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.

* The option is generally fully invested in a single asset class, however, it may be appropriate to hold up to 10% in cash to accommodate market changes and timing of transactions.
^ Fixed interest is defined as any interest bearing security or equivalent derivative instrument. The fixed interest asset class is managed by QIC and invested in the QIC Diversified Fixed Interest Fund. The asset allocation within the QIC Diversified Fixed Interest Fund includes an allocation to cash that is at the discretion of QIC and as such may vary from time to time. QIC's allocation to cash is captured in the fixed interest asset allocation range of 90%-100%.