This option invests in a wide range of assets, with a higher allocation to fixed interest and cash than Australian and international shares, direct property and infrastructure. It’s designed for members who have a higher focus on capital stability than capital growth.

Investment objective

To outperform (after fees and taxes) the return of the median capital stable fund and an annual average return* of CPI + 1.5% over the short-to-medium term.

Minimum investment timeframe

Be prepared to stay invested in this option for at least 3 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 2 to 3 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): Medium (Risk Band 4)

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

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



Direct property









Fixed interest








Private equity



Other assets*



*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.

Performance for Stable

Investment returns for 30 June 2016 will be updated shortly.

  Daily Rate (21.07.16) FYTD (01.07.16 - 21.07.16) 1 Year
3 Year
5 Year
10 Year
Inception 01.10.01
to 30.06.15 pa
AusSuper 0.04% 1.29% 7.05% 8.20% 7.62% 6.35% 6.57%
Benchmark n/a n/a 5.66% 6.90% 6.40% 5.40% n/a



Sustainable Balanced: SuperRatings SR50 Median Capital Stable

* 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 2015. 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 + 2% 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.