Moderate
If you want short to medium-term stability, but want some exposure to investment groups that will potentially give higher returns, Moderate may be suitable for you. You should be aware that in return for shorter-term stability, you may be sacrificing the potential for higher long-term returns.
Objective
CPI +2.5% p.a.
An annual return of CPI +2.5% (after fees and tax), measured over rolling 3-year periods.
Timeframe
3 years
Suited to investors with an investment timeframe of more than 3 years.
Total fee1
0.47% p.a.
Total fee includes administration fees (0.16%), investment fees, and indirect cost ratio. 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 0.5 and once in any 20 years. Read more about the standard risk measure.
Performance
As at 31 December 2021 (updated monthly)
Asset allocation 3
As at 31 December 2021 (updated quarterly)
| Assets |
Allocation 4 |
Ranges 5 |
|
Cash |
55.7% |
35 - 75% |
|
Fixed interest^ |
11.2% |
0 - 17.5% |
|
Real Estate |
4.1% |
0 - 12.5% |
|
Equities* |
19.6% |
7.5 - 30% |
|
Infrastructure |
7.4% |
2.5 - 20% |
|
Commodities |
0.2% |
0 - 7.5% |
|
Alternative assets |
1.8% |
0 - 12.5% |
| Assets |
Allocation 4 |
Ranges 5 |
|
Cash |
55.2% |
0 - 30% |
|
Fixed interest^ |
11.2% |
0 - 35% |
|
Real Estate |
4.1% |
0 - 25% |
|
Equities* |
19.4% |
25 - 65% |
|
Infrastructure |
7.4% |
5 - 30% |
|
Commodities |
0.6% |
0 - 15% |
|
Alternative assets |
2.1% |
0 - 25% |
Shareholdings
As at 31 December 2021 (updated quarterly)
Australian shares - top 10 by value
International shares - top 10 by value
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1. Our total fee includes administration fees (including a Trustee fee paid from the general reserves), investment fees, and indirect cost ratio, which are based on the fees and costs for the financial year ended 30 June 2021. The total fees and any other applicable fees are deducted daily from the unit price before the unit price is declared and may differ from future fees and costs. Other fees may apply.
2. For periods of one year or less, the return is net of fees and tax. For periods greater than one year, the return is a compound annualised return, net of fees 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. Ranges are as at 1 July 2021. QSuper has the flexibility to invest within these predetermined ranges.
^ 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.