Stable

More conservative than Balanced, this option invests mainly in defensive assets, with a modest exposure to growth assets.

Accumulation
Stable

Return Target1

Return target of 1.5% per year above inflation over rolling 10-year periods after fees and taxes.

Risk: Low to Medium

Negative returns expected 1.4 out of 20 years.

Strategic asset allocation (SAA) and ranges

Asset classes SAA % Ranges %
Australian shares 8.0 0-20
International shares 12.0 0-20
Private capital 2.0 0-10
Property 8.0 0-20
Infrastructure 10.0 0-20
Diversifying strategies 5.0 0-10
Diversified fixed interest 40.0 20-60
Cash 15.0 0-40
Growth assets 37%
Defensive assets 63%

Transition to Retirement
Stable

Return Target1

Return target of 1.5% per year above inflation over rolling 10-year periods after fees and taxes.

Risk: Low to Medium

Negative returns expected 1.4 out of 20 years.

Strategic asset allocation (SAA) and ranges

Asset classes SAA % Ranges %
Australian shares 8.0 0-20
International shares 12.0 0-20
Private capital 2.0 0-10
Property 8.0 0-20
Infrastructure 10.0 0-20
Diversifying strategies 5.0 0-10
Diversified fixed interest 40.0 20-60
Cash 15.0 0-40
Growth assets 37%
Defensive assets 63%

Pension
Stable

Return Target1

Return target of 1.75% per year above inflation over rolling 10-year periods after fees and taxes.

Risk: Low to Medium

Negative returns expected 1.4 out of 20 years.

Strategic asset allocation (SAA) and ranges

Asset classes SAA % Ranges %
Australian shares 8.0 0-20
International shares 8.0 0-20
Private capital 2.0 0-10
Property 10.0 0-20
Infrastructure 12.0 0-20
Diversifying strategies 5.0 0-10
Diversified fixed interest 40.0 20-60
Cash 15.0 0-40
Growth assets 36%
Defensive assets 64%

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

Stable - Estimated fees and costs

Administration: 0.18% p.a.
Investment management: 0.19%
Indirect costs: 0.30%

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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