Moderate

Balanced

Socially
Responsible

Aggressive

Cash

Diversified
Bonds

International
Shares

Australian
Shares

Moderate

outlook

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

0.44% 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
Low

Investors should be aware that a negative return is expected between 0.5 and once in every 20 years. Read more about the standard risk measure.


Performance

As at 31 August 2020 (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 0.47% 1.56% 0.38% 3.58% 4.06% 4.87% 5.37%
Income 0.53% 1.59% 0.26% 4.04% 4.55% 5.38% 6.05%
Past performance is not a reliable indicator of future performance.2

Asset allocation

As at 30 June 2020 (updated quarterly)
Assets Allocation 3 Ranges 4
Cash 57.9% 40 - 70%
Fixed interest^ 10.2% 0 - 17.5%
Real Estate 3.2% 0 - 12.5%
Equities* 20.4% 12.5 - 30%
Infrastructure 6.2% 2.5 - 15%
Commodities 1.0% 0 - 7.5%
Alternative assets 1.1% 0 - 12.5%
* Equities includes Australian Shares (4.0%), International Shares (13.5%) and Private Equity (2.9%).

Shareholdings

As at 30 June 2020 (updated quarterly)

Australian shares - top 10 by value

International shares - top 10 by value

1. This figure comprises of the investment fee and indirect cost ratio which are based on the fees and costs for the financial year ended 30 June 2020, and the administration fee. 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. These figures have been rounded for member reporting.
4. Ranges are as at 1 July 2020. 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.