Diversified Growth

This option invests mainly in growth assets, with risk reduced through diversification that includes some defensive assets.

Accumulation
Diversified Growth

Return Target1

Return target of 3% per year above inflation over rolling 10-year periods after fees and taxes.

Risk: Medium to High

Negative returns expected 3.5 out of 20 years.

Strategic asset allocation (SAA) and ranges

Asset classes SAA % Ranges %
Australian shares 22.5 13-37
International shares 27.5 13-37
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 18.0 0-30
Cash 2.0 0-20
Growth assets 70%
Defensive assets 30%

Transition to Retirement
Diversified Growth

Return Target1

Return target of 3% per year above inflation over rolling 10-year periods after fees and taxes.

Risk: Medium to High

Negative returns expected 3.5 out of 20 years.

Strategic asset allocation (SAA) and ranges

Asset classes SAA % Ranges %
Australian shares 22.5 13-37
International shares 27.5 13-37
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 18.0 0-30
Cash 2.0 0-20
Growth assets 70%
Defensive assets 30%

Pension
Diversified Growth

Return Target1

Return target of 3.25% per year above inflation over rolling 10-year periods after fees and taxes.

Risk: Medium to High

Negative returns expected 3.5 out of 20 years.

Strategic asset allocation (SAA) and ranges

Asset classes SAA % Ranges %
Australian shares 22.5 13-37
International shares 22.5 13-37
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 18.0 0-30
Cash 4.0 0-20
Growth assets 68%
Defensive assets 32%

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

Diversified Growth - Estimated fees and costs

Administration: 0.18% p.a.
Investment management: 0.26%
Indirect costs: 0.45%

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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