Balanced (MySuper)


The BIG difference
Over the past 15 years, TWUSUPER has on average delivered more to members than the average retail super fund*. Get an idea of how much better off you could have been with TWUSUPER over the past 3, 10 or 15 years.
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The Balanced (MySuper) option may suit members who want to invest for over 5 years or more and accept a medium to high level of risk and fluctuations in returns.
When we talk about our Balanced (MySuper) option, we're also referring to the Balanced option for TransPension members, including Pre-Retirement Super Pensions (TTR) and Retirement Super Pensions (Pension Account). They're the same investment option, but we use a different name to comply with Government requirements.
Think before you switch
While switching investment options in volatile markets might give you some comfort now, over the long term it may reduce the earning potential of your super, and that could mean less money in retirement.
For most people, super is a long-term investment. That means you shouldn't let short-term performance influence your long-term investment strategy.
You should only consider switching investment options if it is in line with your long-term investment strategy.
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Dashboard
Investment return objective:
Annual return 3% higher than the Consumer Price Index over rolling 10 year periods.
Minimum suggested investment timeframe:
5 years or more
Strategy:
Invests in a broad mix of assets that is predominantly comprised of return-seeking assets, with a substantial allocation to low risk assets. Investments are expected to fluctuate and are likely to incur loses from time to time in line with market movements. Over the long term, Balanced (MySuper) investment option returns are expected to be higher than all other options except the High Growth option.
May suit:
Members who want to invest for over 5 years or more and accept a medium to high level of risk and fluctuations in returns.
Investment risk:
Medium to high - the expected frequency of negative annual returns over any 20 year period is 3 to less than 4 years.
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Returns
Annual returns
Returns are net of tax, fees and investment expenses. Past performance is not an indication of future performance Year to 30 June % 2021 18.98 2020 -0.66 2019 5.19 2018 8.36 2017 11.54 2016 3.05 2015 9.17 2014 12.47 2013 16.80 2012 0.19 % pa 3 yr 7.53 5 yr 8.48 10 yr 8.32 -
Asset allocation
Strategic benchmark
Asset type Strategic benchmark % Australian shares 24.0% Overseas shares 20.0% Overseas shares hedged to $A 10.0% Unlisted infrastructure 9.0% Unlisted property 9.0% Unlisted equity 3.0% Defensive alternatives 3.0% Credit 6.0% Australian fixed interest 4.0% Overseas fixed interest 7.0% Cash/Interest-bearing securities 5.0% Total growth assets 71.0% Total defensive assets 29.0%
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Dashboard
Investment return objective:
Annual return 3% higher than the Consumer Price Index over rolling 10 year periods.
Minimum suggested investment timeframe:
5 years or more
Strategy:
Invests in a broad mix of assets that is predominantly comprised of return-seeking assets, with a substantial allocation to low risk assets. Investments are expected to fluctuate and are likely to incur loses from time to time in line with market movements. Over the long term, Balanced (MySuper) investment option returns are expected to be higher than all other options except the High Growth option.
May suit:
Members who want to invest for over 5 years or more and accept a medium to high level of risk and fluctuations in returns.
Investment risk:
Medium to high - the expected frequency of negative annual returns over any 20 year period is 3 to less than 4 years.
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Returns
Annual returns
Returns are net of tax, fees and investment expenses. Past performance is not an indication of future performance Year to 30 June % 2021 18.98 2020 -0.66 2019 5.19 2018 8.36 2017 13.08 2016 3.45 2015 10.36 2014 13.84 2013 19.31 2012 0.34 % pa 3 yr 7.53 5 yr 8.78 10 yr 9.01 -
Asset allocation
Strategic benchmark
Asset type Strategic benchmark % Australian shares 24.0% Overseas shares 20.0% Overseas shares hedged to $A 10.0% Unlisted infrastructure 9.0% Unlisted property 9.0% Unlisted equity 3.0% Defensive alternatives 3.0% Credit 6.0% Australian fixed interest 4.0% Overseas fixed interest 7.0% Cash/Interest-bearing securities 5.0% Total growth assets 71.0% Total defensive assets 29.0%
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Dashboard
Investment return objective:
Annual return 3% higher than the Consumer Price Index over rolling 10 year periods.
Minimum suggested investment timeframe:
5 years or more
Strategy:
Invests in a broad mix of assets that is predominantly comprised of return-seeking assets, with a substantial allocation to low risk assets. Investments are expected to fluctuate and are likely to incur loses from time to time in line with market movements. Over the long term, Balanced (MySuper) investment option returns are expected to be higher than all other options except the High Growth option.
May suit:
Members who want to invest for over 5 years or more and accept a medium to high level of risk and fluctuations in returns.
Investment risk:
Medium to high - the expected frequency of negative annual returns over any 20 year period is 3 to less than 4 years.
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Returns
Annual returns
Returns are net of tax, fees and investment expenses. Past performance is not an indication of future performance Year to 30 June % 2021 20.90 2020 -0.73 2019 6.07 2018 9.43 2017 13.08 2016 3.45 2015 10.36 2014 13.84 2013 19.31 2012 0.34 % pa 3 yr 8.38 5 yr 9.52 10 yr 9.38 -
Asset allocation
Strategic benchmark
Asset type Strategic benchmark % Australian shares 24.0% Overseas shares 20.0% Overseas shares hedged to $A 10.0% Unlisted infrastructure 9.0% Unlisted property 9.0% Unlisted equity 3.0% Defensive alternatives 3.0% Credit 6.0% Australian fixed interest 4.0% Overseas fixed interest 7.0% Cash/Interest-bearing securities 5.0% Total growth assets 71.0% Total defensive assets 29.0%
MySuper product dashboard
If you’re an Industry (TWUSUPER) or Corporate (Transuper) member, see the Balanced (MySuper) product dashboard for a summary of the Balanced (MySuper) investment option.
* DISCLAIMER: Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a fund.
TWUSUPER has on average outperformed the average retail fund over the past 15 years. Comparisons modelled by SuperRatings, commissioned by TWUSUPER and shows average differences in net benefit of TWUSUPER's balanced investment option and the 'main Balanced option' of retail funds tracked by SuperRatings, with a 5 (99 options), 10 (44 options) and 15 (33 options) year performance history, taking into account historical earnings and fees – excluding contribution, entry, exit and additional advisor fees – of 'main Balanced options'. A ‘main Balanced option’ being the fund’s largest Balanced option where 60% to 76% of the fund’s assets are invested in growth investments. This is generally the fund’s default option. Where a fund does not have a Balanced option, the option closest to SuperRatings benchmark range of 60% to 76% growth investments is used. Outcomes vary between individual funds. Modelling performed on 14 October 2021 using data as at 30 June 2021. See Assumptions for more details about modelling calculations and assumptions. Consider your personal financial situation, needs and objectives, which are not taken into account in this information, and the TWUSUPER Product Disclosure Statement (PDS) available at www.twusuper.com.au before making an investment decision. TWU Nominees Pty Ltd, ABN 67 002 835 412, Australian Financial Services Licence 239163 ('TWUSUPER') as trustee of the TWU Superannuation Fund (ABN 77 343 563 307).