This option is very conservative, investing mainly in risk-controlling assets. It has a small exposure to return-seeking assets to keep returns ahead of inflation.


To achieve returns of 1% per year above inflation over rolling 5-year periods.

Best suited to

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

Suggested minimum holding period

2 years

Estimated fees

Administration: 0.21%
Investment management: 0.27%

See the Fees and other costs section of the Investment choice guide for a full explanation of the costs for each investment option.

Investment mix


Level of investment risk: Low

Negative returns expected 0.8 out of 20 years.
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