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Investments

Long-term performance

Superannuation is a long-term investment.

That's why it is important to look at investment returns over a longer time frame than just weekly or monthly crediting rates. The data below shows the investment performance of our options over the long-term.

Super performance

Returns on LUCRF Super investment options (% p.a. after tax and expenses)

Super	2011/12	2010/11	2009/10	2008/09	2007/08	2006/07	2005/06	5 Yr Average 2008–12	10 Yr Average 2003–12
Pre-Mixed
Balanced*	1.18%	9.92%	7.11%	-13.37%	-6.49%	16.02%	16.60%	-0.71	5.38%
Conservative	4.18%	5.19%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Moderate	3.24%	6.22%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Targeted Return	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
High Growth	-0.25%	6.95%	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Asset Class
Cash	4.18%	4.29%	3.02%	3.77%	5.43%	4.95%	4.48%	4.14%	4.53%
Indexed Shares	-2.59%	6.27%	6.80%	- 16.78%	- 16.14%	16.43%	18.80%	-5.05%	2.69%
Australian Shares	-5.55%	12.06%	15.06%	- 16.80%	-12.35%	26.79%	18.89%	-2.35%	N/A
International Shares	-0.10%	10.61%	6.47%	- 16.19%	-19.40%	6.91%	14.49%	-4.49%	N/A
Property	6.55%	6.90%	16.02%	- 34.40%	-34.73%	24.87%	10.99%	-10.76%	N/A

Pension performance

Returns on LUCRF Pension investment options (% p.a. after tax and expenses)

Super	2011/12	2010/11	2009/10	2008/09	2007/08	5 Yr Average 2008–12	10 Yr Average 2003–12
Pre-Mixed
Balanced*	1.62%	11.76%	8.71%	-14.06%	-6.20%	-0.10%	1.85%
Conservative	5.28%	5.77%	N/A	N/A	N/A	N/A	N/A
Moderate	4.15%	6.60%	N/A	N/A	N/A	N/A	N/A
Targeted Return	N/A	N/A	N/A	N/A	N/A	N/A	N/A
High Growth	0.07%	8.16%	N/A	N/A	N/A	N/A	N/A
Asset Class
Cash	5.00%	5.24%	4.62%	4.56%	6.67%	5.22%	5.22%
Indexed Shares	-2.96%	7.43%	9.03%	-17.02%	-17.10%	-4.80%	-4.80%
Australian Shares	-6.35%	14.36%	19.02%	-17.59%	-12.33%	-1.63%	-1.63%
International Shares	0.08%	12.57%	8.98%	-18.13%	-20.52%	-4.42%	-4.42%
Property	9.39%	5.41%	19.55%	-37.92%	-37.49%	-11.76%	-11.76%

NOTE:

*This is the investment option that most members are in and the option which your super and pension investment automatically defaults to, unless you instruct otherwise.

Average annual return for Balanced investment option since inception 1978 to 2012 is 9.75% p.a.

Please note: The International Shares, Australian Shares and Property investment options were introduced on 22 July 2005. The Indexed Shares and Cash options were introduced on 1 July 2000. The Conservative, Moderate and High Growth options were introduced on 1 September 2010. Targeted Return was introduced on 1 November 2012.