Balanced (MySuper)
Balanced (MySuper) is our default investment option. If you don’t choose an investment option when you join TWUSUPER, you'll be automatically invested in this option.
The Balanced (MySuper) option may suit members who have an investment timeframe of 5 years or more and are willing to accept a medium 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 Transition to Retirement (TTR) and Account Based Pensions (Pension Account). They're the same investment option, but we use a different name to comply with Government requirements.
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Dashboard
Investment return objective*:
Annual return 3% higher than the Consumer Price Index over rolling 5 year periods
Minimum suggested investment timeframe:
5 years of more
Strategy:
Invests approximately 75% in growth assets such as shares, property and infrastructure with the rest in defensive assets such as fixed interest and cash. Investments are expected to have less risk of loss of capital and less short term fluctuations in returns than investments in the Equity Plus option. Over the long term, Balanced (MySuper) investment option returns are expected to be lower than Equity Plus returns, but higher than Cash Plus returns.
May suit:
Members who want to invest for over 5 years and accept a medium level of risk and fluctuations in returns
Expected frequency of negative annual returns over any 20 year period:
3 to less than 4 years
Investment mix:
Growth assets 75%, Defensive assets 25%
*We do not use the return target (shown in the product dashboard) to set the investment return objective.
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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 % 2018 8.36 2017 11.54 2016 3.05 2015 9.17 2014 12.47 2013 16.80 2012 0.19 2011 9.52 2010 9.61 2009 -13.70 Annualised return to 30 June 2018 % 3 yr 7.59 5 yr 8.87 10 yr 6.37 -
Asset allocation
Strategic benchmark
Growth assets Strategic benchmark Australian shares 26.0% International shares 27.0% Property 9.0% Unlisted equity 5.0% Infrastructure 8.0% Total 75.0% Defensive assets Strategic benchmark Cash/Interest-bearing securities 4.0% Australian fixed interest 7.0% International fixed interest 8.0% Absolute return funds 6.0% Total 25.0%
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Dashboard
Investment return objective:
Annual return 3% higher than the Consumer Price Index over rolling 5 year periods
Minimum suggested investment timeframe:
5 years or more
Strategy:
Invests approximately 75% in growth assets such as shares, property and infrastructure with the rest in defensive assets such as fixed interest and cash. Investments are expected to have less risk of loss of capital and less short term fluctuations in returns than investments in the Equity Plus option. Over the long term, Balanced (MySuper) investment option returns are expected to be lower than Equity Plus returns, but higher than Cash Plus returns.
May suit:
Members who want to invest for over 5 years and accept a medium level of risk and fluctuations in returns
Expected frequency of negative annual returns over any 20 year period:
3 to less than 4 years
Investment mix:
Growth assets 75%, Defensive assets 25%
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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 % 2018 8.36 2017 13.08 2016 3.45 2015 10.36 2014 13.84 2013 19.31 2012 0.34 2011 11.25 2010 10.92 2009 -14.80 Annualised return to 30 June 2018 % 3 yr 8.23 5 yr 9.75 10 yr 7.20 -
Asset allocation
Strategic benchmark
Growth assets Strategic benchmark Australian shares 26.0% International shares 27.0% Property 9.0% Unlisted equity 5.0% Infrastructure 8.0% Total 75.0% Defensive assets Strategic benchmark Cash/Interest-bearing securities 4.0% Australian fixed interest 7.0% International fixed interest 8.0% Absolute return funds 6.0% Total 25.0%
-
Dashboard
Investment return objective:
Annual return 3% higher than the Consumer Price Index over rolling 5 year periods
Minimum suggested investment timeframe:
5 years or more
Strategy:
Invests approximately 75% in growth assets such as shares, property and infrastructure with the rest in defensive assets such as fixed interest and cash. Investments are expected to have less risk of loss of capital and less short term fluctuations in returns than investments in the Equity Plus option. Over the long term, Balanced (MySuper) investment option returns are expected to be lower than Equity Plus returns, but higher than Cash Plus returns.
May suit:
Members who want to invest for over 5 years and accept a medium level of risk and fluctuations in returns
Expected frequency of negative annual returns over any 20 year period:
3 to less than 4 years
Investment mix:
Growth assets 75%, Defensive assets 25%
-
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 % 2018 9.43 2017 13.08 2016 3.45 2015 10.36 2014 13.84 2013 19.31 2012 0.34 2011 11.25 2010 10.92 2009 -14.80 Annualised return to 30 June 2018 % 3 yr 8.58 5 yr 9.97 10 yr 7.31 -
Asset allocation
Strategic benchmark
Growth assets Strategic benchmark Australian shares 26.0% International shares 27.0% Property 9.0% Unlisted equity 5.0% Infrastructure 8.0% Total 75.0% Defensive assets Strategic benchmark Cash/Interest-bearing securities 4.0% Australian fixed interest 7.0% International fixed interest 8.0% Absolute return funds 6.0% Total 25.0%
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.