Your investment options

Invests primarily in Australian and overseas shares, while providing some exposure to property, infrastructure and alternative assets. These are growth investments, with the property, infrastructure and alternative allocation providing some diversification from shares.

This option is designed for members who are prepared to accept an aggressive asset allocation which has the potential of providing higher returns, but also increases the risk of a negative return. Previously known as Aggressive.

Invests primarily in Australian and overseas shares, while providing some exposure to property, infrastructure and alternative assets. These are growth investments, with small allocations to defensive assets such as fixed interest and cash providing some diversification.

This option is designed for members who are prepared to accept an aggressive asset allocation which has the potential of providing higher returns, but also increases the risk of a negative return. Previously known as Moderately Aggressive.

Invests mainly in growth assets such as shares, property and infrastructure, which are expected to earn higher returns over the long term, with the balance invested in more stable assets like fixed interest securities and other defensive assets.

This option is designed for members who want a balance between risk and return but who are prepared to accept an asset allocation weighted towards growth assets. Previously known as Balanced.

Provides a relatively neutral allocation between growth assets and defensive assets, with slightly more growth assets than the Balanced option.

This option is designed for members who want a balance between risk and return but who are prepared to accept a more aggressive asset allocation than the Balanced option. Previously known as Conservative Balanced.

Provides an even distribution between growth and defensive assets. The aim is to provide capital growth with reduced volatility.

This option is designed for members who want a balance between risk and return. Previously known as Moderately Conservative.

Invests mainly in fixed interest securities and cash, which are expected to deliver stable but low returns over the long term, with the balance invested in shares and other growth assets.

This option is designed for members who wish to select a lower returning asset allocation in exchange for more stability and security.

Invests a large proportion in growth assets, primarily international equities, with a clear and tangible social and environmental impact. The focus on impact means that this option differs from others in that it offers less diversification.

This option is designed for members seeking moderate to high levels of capital growth over the long term with clear and tangible social and environmental impacts.

Compared with other options with similar risk profiles, RetirePlus is expected to provide some additional protection against key risks facing those in, or approaching, retirement. Returns are expected to be moderately volatile, with a lower risk of capital loss over short to medium periods than more equity-oriented options.

This option is designed for members seeking returns above CPI over the long term and who are looking for additional protection against market risk.

Invests in a diversified portfolio with a lower exposure to listed equities than other growth-oriented options, such as RetirePlus. Returns are expected to be more stable than those of more equity-oriented options.

This option is designed for members seeking returns above CPI over the long term and who are looking for additional protection against market risk with less growth assets than RetirePlus.

Invests in Australian companies, usually listed or expected to list on the Australian Stock Exchange (ASX).

This option is designed for members who are prepared to accept an aggressive asset allocation which has the potential of providing higher returns, but also increases the risk of a negative return.

Invest in overseas companies listed or expected to list on one or more overseas stock exchanges.

This option is designed for members who are prepared to accept an aggressive asset allocation which has the potential of providing higher returns, but also increases the risk of a negative return.

Invests in Australian and overseas listed and unlisted property trusts.

This option is designed for members who wish to select a moderately aggressive asset allocation, which increases the risk of negative returns.

Invests in interest bearing bonds and some indexed bonds in Australia and overseas. Investments are made into government and corporate debt securities both above and below investment grade. Investments may also include lower risk alternative strategies, and cash.

This option is designed for members who wish to select a relatively defensive asset allocation with more stability and security than more aggressive asset allocations. This option is expected to generate modest returns over time, with a small but not zero chance of negative return in any 12-month period and is considered to be more aggressive than cash.

Invests in money market securities such as bank term deposits, bank bills and other liquid cash securities.

This option is designed for members who wish to select a very defensive asset allocation with a very low chance of a negative return and expected stable but lower returns over the long term.