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


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

Best suited to

Those seeking moderate returns and prepared to accept potentially modest fluctuations in returns over shorter time periods.

Suggested minimum holding period

4 years

Estimated fees and costs

Administration: 0.18% p.a. plus flat fee of $1.50 p/w
Investment management: 0.44%
Indirect costs: 0.32%

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


Level of investment risk: Medium

Medium Risk (Scale 4 of 7)

Negative returns expected 2.4 out of 20 years.

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