This option has a high allocation to Australian and international shares and also includes fixed interest and cash. There are no infrastructure, property or private equity investments. It uses indexing strategies to invest in each asset class.

It’s designed for members who prefer an indexed investment approach, and who are seeking medium to long-term growth and willing to accept short-term fluctuations in returns. 

Investment objective

To meet (after fees and taxes) the return of the median balanced fund and an average annual return* of CPI + 3.5% over the medium to long term.

Minimum investment timeframe

Be prepared to stay invested in this option for at least 10 years before it meets its objectives. See the information below for the risk level that corresponds to your investment timeframe.

Expected frequency of negative annual return

Approximately 5 out of every 20 years.


View investments costs for this option.

Risk levels

Short term risk is the risk that your super savings will be reduced by volatility of investment markets. This is also called the Standard Risk Measure.

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.

Risk level for the time invested

Short term (If savings are required in 5 years or less): High (Risk Band 6)

Medium term (If savings are required after 5 to 20 years): Medium

Long term (If savings are required after 20 years or more): Low to medium

Find out how these risk levels are determined.

For more information about the potential ranges of returns for this option read our Investment Choice Guide.

Strategic Asset Allocation (SAA)





Australian shares



International shares



Listed property



Fixed interest






Performance for Indexed Diversified 

  Daily Rate (09.02.16) FYTD (01.07.15 - 09.02.16) 1 Year
3 Year
5 Year
10 Year
Inception 01.07.11
to 30.06.15 pa
AusSuper -1.00% -4.02% 8.05% 10.84% n/a n/a 7.68%
Benchmark n/a n/a 9.60% 12.17% n/a n/a n/a



Indexed Diversified: SuperRatings SR50 Median Balanced

*The returns quoted are net of fees and tax. The 1 year, 3 year, 5 year, 10 year and since inception figures, where they appear, are rolling returns as at 30 June 2013. In calculating historical returns that begin before 1 July 2006, where both ARF and STA offered equivalent options, we have used combined ARF and STA returns. If only one of the funds previously offered the option, the returns for that option have been used. Past performance is not a reliable indicator of future returns.

CPI stands for Consumer Price Index, which is used as a measure of inflation.

CPI + 4% adjusted for fees.

The Strategic Asset Allocation (SAA) and other information shown in this section is current as at October 2015 (unless stated otherwise). The Trustee may alter the strategic asset allocation or the composition of individual asset classes from time to time to suit prevailing market circumstances.

Read about our Crediting rate policy.