Balanced (MySuper)
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.
Super
TTR
Pension Account
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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 losses 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 % 2023 9.14 2022 -2.68 2021 18.98 2020 -0.66 2019 5.19 2018 8.36 2017 11.54 2016 3.05 2015 9.17 2014 12.47 % pa 3 yr 8.11 5 yr 5.72 10 yr 7.28 -
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 2.0% Credit 6.0% Australian fixed interest 5.0% 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 losses 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.
-
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 % 2023 9.14 2022 -2.68 2021 18.98 2020 -0.66 2019 5.19 2018 8.36 2017 13.08 2016 3.45 2015 10.36 2014 13.84 % pa 3 yr 8.11 5 yr 5.72 10 yr 7.72 -
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%
-
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 losses 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.
-
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 % 2023 10.04 2022 -2.87 2021 20.90 2020 -0.73 2019 6.07 2018 9.43 2017 13.08 2016 3.45 2015 10.36 2014 13.84 % pa 3 yr 8.92 5 yr 6.35 10 yr 8.14 -
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.