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 a return (net of tax and investment expenses) that exceeds the increase in the CPI by at least 2.75% per annum over rolling 5-year periods.
Investment strategy
To invest in a diversified range of investments, including shares, property, alternative investments and fixed interest.
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 30/06/2021
Investment performance
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Strategic asset allocation as of 3 June 2021
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
Indirect cost ratio
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.
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.