| MySuper Lifecycle1 |
| Under 75 |
Return target of 3% per year above inflation after fees and taxes over the next ten financial years. Future returns cannot be guaranteed. This is a prediction. |
Medium to high |
5 years |
Those seeking reasonably high returns and prepared to accept potentially modest to significant fluctuations in returns over shorter periods. |
| 75 plus |
Return target of 2.5% per year above inflation after fees and taxes over the next ten financial years. Future returns cannot be guaranteed. This is a prediction. |
Medium |
4 years |
Those seeking moderate returns and prepared to accept potentially modest fluctuations in returns over shorter time periods. |
| Ready-made |
| Aggressive |
Return target of 3.5% per year above inflation over rolling 10-year periods after fees and taxes. |
High |
7 years |
Those seeking high returns and prepared to accept potentially significant fluctuations in returns over shorter time periods. |
| Diversified Growth |
Return target of 3% per year above inflation over rolling 10-year periods after fees and taxes. |
Medium to high |
5 years |
Those seeking reasonably high returns and prepared to accept potentially modest to significant fluctuations in returns over shorter periods. |
| Balanced |
Return target of 2.5% per year above inflation over rolling 10-year periods after fees and taxes. |
Medium |
4 years |
Those seeking moderate returns and prepared to accept potentially modest fluctuations in returns over shorter time periods. |
| Stable |
Return target of 1.5% per year above inflation over rolling 10-year periods after fees and taxes. |
Low to medium |
3 years |
Those seeking modest returns and who are fairly averse to fluctuations over the short term. |
| Defensive |
Return target of 1.0% per year above inflation over rolling 10-year periods after fees and taxes. |
Very low |
2 years |
Those wanting to stay ahead of inflation and generally averse to fluctuations in returns over shorter periods. |
| Socially responsible |
| SR Balanced |
Return target of 3.0% per year above inflation over rolling 10-year periods after fees and taxes. |
High |
5 years |
Those seeking a socially responsible investment with reasonably high returns and prepared to accept potentially modest to significant fluctuations in returns over shorter periods. |
| SR Australian Shares |
Return target is to outperform the S&P/ASX 200 Accumulation Index over rolling 5 year periods after fees and taxes. |
Very high |
7 years |
Those seeking a socially responsible investment with high returns from Australian shares only and prepared to accept potentially significant fluctuations in returns over shorter time periods, or those wanting to build their own investment strategy when combined with other single asset class options. |
| Single asset class |
| International Shares |
Return target is to outperform the MSCI All Countries World Index (with custom tax adjustment) over rolling 5 year periods after fees and taxes. |
High |
7 years |
Those seeking high returns from international shares only, or those wanting to build their own investment strategy when combined with other single asset class options. |
| Australian Shares |
Return target is to outperform the S&P/ASX 200 Accumulation Index over rolling 5 year periods after fees and taxes. |
Very high |
7 years |
Those seeking high returns from Australian shares only, or those wanting to build their own investment strategy when combined with other single asset class options. |
| Property |
Return target is to outperform the Mercer/IPD Australian Property Index over rolling 5 year periods after fees and taxes. |
High |
7 years |
Those seeking high returns from a diversified property portfolio only, or those wanting to build their own investment strategy when combined with other single asset class options. |
| Diversified Fixed Interest |
Return target is to outperform 70% Bloomberg AusBond Composite Bond Index (All Maturities) plus 30% Bloomberg Barclays Global Aggregate Index (hedged to Australian Dollars) over rolling 3 year periods after fees and taxes. |
Medium |
4 years |
Those seeking modest returns from diversified fixed interest only, or those wanting to build their own investment strategy when combined with other single asset class options. |
| Cash |
Return target is to outperform the Bloomberg AusBond Bank Bill Index over rolling 1 year periods after fees and taxes. |
Very low |
Nil |
Those seeking a return that matches the RBA cash rate and who are concerned about protecting their capital, or those wanting to build their own investment strategy by combining with other single asset class options. |
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