Moderate

One of our pre-mixed investment options. The Moderate option contains a strategic mix of growth and defensive assets.

What is it?

The Moderate investment option is part of our pre-mixed investment options containing a strategic mix of growth and defensive assets from various asset classes. This option gives you the opportunity to invest in a diversified range of assets.

Investment objective

To achieve an increased return of CPI plus at least 3% per year over rolling 5-year periods net of tax and fees.

Investment strategy

We invest in a diverse range of assets including shares, property and alternative investments.

Investment returns

Super is a long-term investment so it's important to consider returns over the long term as performance may fluctuate over the short term.

5 Year Average % p.a. as of 30/06/2020

Super 5.09%
TTR 5.41%
Pension 5.83%

Investment performance

Showing
As of 17/09/2020 Average % p.a. as of 30/06/2020
Unit price FYTD % Since Inception 10 year 5 year 3 year 1 year
1.84047 1.51 6.24 N/A 5.09 4.98 1.35
As of 17/09/2020 Average % p.a. as of 30/06/2020
Unit price FYTD % Since Inception 10 year 5 year 3 year 1 year
1.84047 1.51 6.96 N/A 5.41 4.98 1.35
As of 17/09/2020 Average % p.a. as of 30/06/2020
Unit price FYTD % Since Inception 10 year 5 year 3 year 1 year
2.01005 1.75 7.17 N/A 5.83 5.67 1.66

Strategic asset allocation as of 17 July 2020

Asset Class Asset Allocation Range
Australian shares 18% 10-28%
International shares 20.5% 10-28%
Property 7% 2-15%
Infrastructure 10.5% 2-20%
Alternatives 14% 4-23%
Fixed Interest 18% 15-40%
Cash 12% 5-25%

Investment fees and costs

The estimated investment fees are based on the fees and costs for the previous 12 months to 30 June each financial year. These do not include administration fees.

Investment fee

0.22% p.a. (net of tax)

Indirect cost ratio

0.28% p.a.

Risk profile

We use an industry standard risk measurement to help you understand an investment option’s risk profile, where band 1 is very low risk and band 7 is very high risk.

Risk band 4
Risk label Medium
Suggested minimum investment time frame 4 years
Expected frequency of negative annual returns in any 20-year period Approx. 2.5

Disclaimer

Changes to investment options.

We may alter, add, remove or close investment options from time to time without prior notice.

Changes to asset allocations.

We constantly monitor and assess the asset allocation for each investment option and make changes where appropriate without prior notice.

Investment fees

These fees cover investment management, asset custody, and other related costs and are deducted from investments before returns are applied to your account. Investment fees are regularly reviewed and may change from time to time.

Indirect cost ratio (ICR)

This ratio represents estimated costs incurred by the Fund’s investment managers and deducted before investment earnings of each option are received. They take into account the Fund’s experience in the last financial year. They are not deducted from your account or from the Fund’s assets.

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