This option is very conservative, investing mainly in defensive assets. It has small exposure growth assets to keep returns ahead of inflation.


Return target of 1.0% per year above inflation over rolling 10-year periods after fees and taxes.

Best suited to

Those wanting to stay ahead of inflation and generally averse to fluctuations in returns over shorter periods.

Suggested minimum holding period

2 years

Estimated fees and costs

Administration: 0.18% p.a. plus flat fee of $1.50 p/w
Investment management: 0.23%
Indirect costs: 0.11%

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: Very low

Very Low Risk (Scale 1 of 7)

Negative returns expected 0.4 out of 20 years.

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