PreMixed investment choice

Choose the mix that best suits you and leave the rest to us

With our PreMixed options, we’ve done the diversification for you. These assets are made up of more than one asset class and with different levels of risk and expected return.

High Growth

Invests in a wide range of assets with a focus on Australian and international shares. Designed to have strong long-term returns with possible fluctuations in the short term.

Investment aims

  • To beat CPI by 4.5% pa over the medium to longer term.
  • To beat the median growth fund over the medium to longer term.

Minimum investment timeframe:

At least 12 years.

Risk level for the time invested

Short-term Medium-term Long-term
High Medium Low to medium

Risk of negative return:

About 5 in every 20 years.

From time to time, we may invest in other assets which represent a short or medium term opportunity based on them being attractively priced. These include but are not limited to assets such as commodities, royalties or leases.

 

View the most current asset allocation.

Balanced

Invests in a wide range of assets. Designed to have medium to long-term growth with possible short-term fluctuations.

Investment aims

  • To beat CPI by 4% pa over the medium to longer term.
  • To beat the median balanced fund over the medium to longer term.

Minimum investment timeframe:

At least 10 years.

Risk level for the time invested

Short-term Medium-term Long-term
High Medium Low to medium

Risk of negative return:

About 5 in every 20 years.

 



From time to time, we may invest in other assets which represent a short or medium term opportunity based on them being attractively priced. These include but are not limited to assets such as commodities, royalties or leases.

View the most current asset allocation.

This is our default investment option if you don’t make an investment choice when you join.

Socially Aware

Selects share investments using strict screening based on environmental, social and governance standards as well as investing in a wide range of other asset classes. Designed to have medium to long-term growth with possible short-term fluctuations.

Investment aims

  • To beat CPI by 4% pa over the medium to longer term.
  • To beat the median balanced fund over the medium to longer term.

Minimum investment timeframe:

At least 10 years.

Risk level for the time invested

Short-term Medium-term Long-term
High Medium
Low to medium

Risk of negative return:

About 5 in every 20 years.



From time to time, we may invest in other assets which represent a short or medium term opportunity based on them being attractively priced. These include but are not limited to assets such as commodities, royalties or leases.

View the most current asset allocation.

This investment option may use Exchange Traded Index Futures (up to 5% of the total assets) to efficiently manage cash flows and ensure this option is invested within the targeted asset allocation. This may include economic exposure to companies that are normally excluded by the option’s investment screens.

Indexed Diversified

Invests in a wide range of assets using indexing strategies. Designed to have medium to long-term growth with possible short-term fluctuations.

Investment aims

  • To achieve CPI by 3.5% pa over the medium to longer term.

Minimum investment timeframe:

At least 10 years.

Risk level for the time invested

Short-term Medium-term Long-term
High Medium Low

Risk of negative return:

About 5 in every 20 years.



From time to time, we may invest in other assets which represent a short or medium term opportunity based on them being attractively priced. These include but are not limited to assets such as commodities, royalties or leases.

View the most current asset allocation.

Conservative Balanced

Includes a higher allocation to fixed interest and cash than the Balanced option. Designed to have medium-term growth with a balance between capital stability and capital growth. May also have some short-term fluctuations.

Investment aims

  • To beat CPI by 2.5% pa over the medium term.
  • To beat the median conservative balanced fund over the medium term.

Minimum investment timeframe:

At least 5 years.

Risk level for the time invested

Short-term Medium-term Long-term
Medium to high Medium Low

Risk of negative return:

About 3-4 in every 20 years.



From time to time, we may invest in other assets which represent a short or medium term opportunity based on them being attractively priced. These include but are not limited to assets such as commodities, royalties or leases.

View the most current asset allocation.

Stable

An emphasis on fixed interest and cash with a higher focus on stability than growth.

Investment aims

  • To beat CPI by 1.5% pa over the medium term.
  • To beat the median capital stable fund over the medium term.

Minimum investment timeframe:

At least 3 years.

Risk level for the time invested

Short-term Medium-term Long-term
Medium Low to medium Low

Risk of negative return:

About 2-3 in every 20 years.



From time to time, we may invest in other assets which represent a short or medium term opportunity based on them being attractively priced. These include but are not limited to assets such as commodities, royalties or leases.

View the most current asset allocation.

Capital Guaranteed

Invests with Authorised Deposit-taking Institutions* to preserve capital and accumulated returns.

Investment aims

  • To guarantee a members’ capital.
  • To outperform the return of the RBA Cash Rate Index each year.

Minimum investment timeframe:

At least 1 year.

Risk level for the time invested

Short-term Medium-term Long-term
Very low Medium to high High

Risk of negative return:

Not expected.

* Authorised Deposit-taking Institutions are corporations authorised under the Banking Act 1959 and include banks, building societies and credit unions.

Fees

View investment costs for superannuation.

Risk levels

Short-term risk (also known as the standard risk measure) is the risk that your superannuation savings will be reduced by the ups and downs, or volatility, of investment markets.

Medium-term risk balances two risks. The first is that your super savings will be reduced by volatility and the second is that your super savings will not keep up with inflation.

Long-term risk is the risk that your super savings will not keep up with inflation.

Find out how these risk levels are determined.

For more information about the potential ranges of returns, read our Investment Choice Guide.

Performance

View AustralianSuper’s investment performance.

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