Defensive

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

Accumulation
Defensive

Return Target1

Return target of 1% per year above inflation over rolling 10-year periods after fees and taxes.

Risk: Very low

Negative returns expected 0.4 out of 20 years.

Strategic asset allocation (SAA) and ranges

Asset classes SAA % Ranges %
Australian shares 3.0 0-15
International shares 4.0 0-15
Private capital 0.0 0-10
Property 5.0 0-15
Infrastructure 7.0 0-15
Diversifying strategies 3.0 0-10
Diversified fixed interest 56.0 35-75
Cash 22.0 0-50
Growth assets 18%
Defensive assets 82%

Transition to Retirement
Defensive

Return Target1

Return target of 1% per year above inflation over rolling 10-year periods after fees and taxes.

Risk: Very low

Negative returns expected 0.4 out of 20 years.

Strategic asset allocation (SAA) and ranges

Asset classes SAA % Ranges %
Australian shares 3.0 0-15
International shares 4.0 0-15
Private capital 0.0 0-10
Property 5.0 0-15
Infrastructure 7.0 0-15
Diversifying strategies 3.0 0-10
Diversified fixed interest 56.0 35-75
Cash 22.0 0-50
Growth assets 18%
Defensive assets 82%

Pension
Defensive

Return Target1

Return target of 1.25% per year above inflation over rolling 10-year periods after fees and taxes.

Risk: Very low

Negative returns expected 0.4 out of 20 years.

Strategic asset allocation (SAA) and ranges

Asset classes SAA % Ranges %
Australian shares 3.0 0-15
International shares 3.0 0-15
Private capital 0.0 0-10
Property 5.0 0-15
Infrastructure 7.0 0-15
Diversifying strategies 3.0 0-10
Diversified fixed interest 56.0 35-75
Cash 23.0 0-50
Growth assets 17%
Defensive assets 83%

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

Defensive - Estimated fees and costs

Administration: 0.18% p.a.
Investment management: 0.17%
Indirect costs: 0.20%

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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