Balanced

This option is more conservative than Diversified Growth. It invests in growth assets, but has substantial exposure to defensive assets.

Accumulation
Balanced

Return Target1

Return target of 2.5% per year above inflation over rolling 10-year periods after fees and taxes.

Risk: Medium

Negative returns expected 2.4 out of 20 years.

Strategic asset allocation (SAA) and ranges

Asset classes SAA % Ranges %
Australian shares 13.5 0-27
International shares 16.5 0-27
Private capital 5.0 0-10
Property 9.0 0-20
Infrastructure 11.0 0-20
Diversifying strategies 5.0 0-10
Diversified fixed interest 37.0 20-50
Cash 3.0 0-20
Growth assets 50%
Defensive assets 50%

Transition to Retirement
Balanced

Return Target1

Return target of 2.5% per year above inflation over rolling 10-year periods after fees and taxes.

Risk: Medium

Negative returns expected 2.4 out of 20 years.

Strategic asset allocation (SAA) and ranges

Asset classes SAA % Ranges %
Australian shares 13.5 0-27
International shares 16.5 0-27
Private capital 5.0 0-10
Property 9.0 0-20
Infrastructure 11.0 0-20
Diversifying strategies 5.0 0-10
Diversified fixed interest 37.0 20-50
Cash 3.0 0-20
Growth assets 50%
Defensive assets 50%

Pension
Balanced

Return Target1

Return target of 2.75% per year above inflation over rolling 10-year periods after fees and taxes.

Risk: Medium

Negative returns expected 2.4 out of 20 years.

Strategic asset allocation (SAA) and ranges

Asset classes SAA % Ranges %
Australian shares 13.5 0-27
International shares 13.5 0-27
Private capital 3.0 0-10
Property 11.5 0-20
Infrastructure 13.5 0-20
Diversifying strategies 5.0 0-10
Diversified fixed interest 37.0 20-50
Cash 3.0 0-20
Growth assets 50%
Defensive assets 50%

1 Investment markets are uncertain and future returns cannot be guaranteed.

Balanced - Estimated fees and costs

Administration: 0.18% p.a. plus $52 ($1.00 per week)
Investment management: 0.24%
Indirect costs: 0.40%

See the Fees and other costs section of the Investment choice guide for a full explanation of the costs for each investment option.

Returns

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