Investment Performance

Choose the investment strategy that best suits your investment style. Choose to invest 100% in only one of the following investment options or mix and match them to suit your objectives, time frame and tolerance for risk. Importantly, you are not tied down to one investment strategy. You can change your choice, at no cost, at a time that suits you.

Assertive Option - Suitable for medium to long term investors looking for attractive returns, capital growth and a tolerance for higher levels of risk and volatility. The Growth option provides a high allocation of investments in growth assets such as shares. Members should be prepared to stay invested in the Assertive Option for more than 5 years.

MySuper Balanced (default) - Designed for medium-term investors. Trustee Balanced is the most diversified option and provides a mix of growth and defensive assets such as shares, property and fixed interest. Members should be prepared to stay invested in the MySuper Balanced Option for more than 4 years.

Conservative Option - Suitable for members seeking medium term growth with a low risk. Members choosing this Investment Option should be prepared to stay invested in it for more than 3 years before it meets its objectives.

Cash Option - Suitable for risk-averse investors looking for a secure 100% cash investment. Cash may suit those willing to sacrifice overall return in favour of less risk and a steady rate of return. Members should be prepared to stay invested in the Cash Option for 12 months or more.

Standard Risk Measure 1

The Standard Risk Measure is based on industry guidance to allow members to compare investment options that are expected to deliver a similar number of negative returns over any 20 year period.

The Standard Risk Measure is not a complete assessment of all forms of investment risk, for instance, it does not detail what the size of a negative return could be or the potential for a positive return to be less than a member may require to meet their objectives. Further, it does not take into account the impact of administration fees and tax on the likelihood of a negative return.

Members should still ensure they are comfortable with the risks and potential losses associated with their chosen investment option/s.

Risk Band and Risk Labels refer to the estimated number of negative annual returns over any 20 year period and have the same meaning as below:

Risk Band Risk Label Estimated number of negative annual returns over any 20 year period
1 Very Low Less than 0.5
2 Low 0.5 to less than 1
3 Low to Medium 1 to less than 2
4 Medium 2 to less than 3
5 Medium to High 3 to less than 4
6 High 4 to less than 6
7 Very high 6 or greater
1 Jointly developed by the Financial Services Council and the Association of Superannuation Funds of Australia.