Moderate
The Moderate 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.
The information below covers Super, Pre-retirement Super Pensions (TTR) and Retirement Super Pensions (Pension Account).
Note: The Moderate investment option is new, and was launched on 27 September 2021.
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
-
Dashboard
Investment return objective:
Annual return 2.25% higher than the Consumer Price Index over rolling 7 year periods.
Minimum suggested investment timeframe:
5 years or more
Strategy:
Invests in an even mix of low risk and return-seeking assets to strike a balance between a lower risk of loss and higher expected returns. Over the long term, Moderate investment option returns are expected to be lower than Balanced (MySuper) and High Growth, but higher than Conservative and Cash Plus option returns.
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
The financial year ended 30 June 2023 was the first full year of reporting available for the Moderate investment option, with a return of 6.86%. -
Asset allocation
Strategic benchmark
Asset type Strategic benchmark % Australian shares 18.0% Overseas shares 15.0% Overseas shares hedged to $A 7.0% Unlisted infrastructure 8.0% Unlisted property 8.0% Unlisted equity 2.0% Defensive alternatives 3.0% Credit 7.0% Australian fixed interest 9.0% Overseas fixed interest 13.0% Cash/Interest-bearing securities 10.0% Total growth assets 58.0% Total defensive assets 42.0%
-
Dashboard
Investment return objective:
Annual return 2.25% higher than the Consumer Price Index over rolling 7 year periods.
Minimum suggested investment timeframe:
5 years or more
Strategy:
Invests in an even mix of low risk and return-seeking assets to strike a balance between a lower risk of loss and higher expected returns. Over the long term, Moderate investment option returns are expected to be lower than Balanced (MySuper) and High Growth, but higher than Conservative and Cash Plus option returns.
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
The financial year ended 30 June 2023 was the first full year of reporting available for the Moderate investment option, with a return of 6.86%. -
Asset allocation
Strategic benchmark
Asset type Strategic benchmark % Australian shares 18.0% Overseas shares 15.0% Overseas shares hedged to $A 7.0% Unlisted infrastructure 8.0% Unlisted property 8.0% Unlisted equity 2.0% Defensive alternatives 4.0% Credit 7.0% Australian fixed interest 8.0% Overseas fixed interest 13.0% Cash/Interest-bearing securities 10.0%
-
Dashboard
Investment return objective:
Annual return 2.25% higher than the Consumer Price Index over rolling 7 year periods.
Minimum suggested investment timeframe:
5 years or more
Strategy:
Invests in an even mix of low risk and return-seeking assets to strike a balance between a lower risk of loss and higher expected returns. Over the long term, Moderate investment option returns are expected to be lower than Balanced (MySuper) and High Growth, but higher than Conservative and Cash Plus option returns.
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
The financial year ended 30 June 2023 was the first full year of reporting available for the Moderate investment option, with a return of 7.71%. -
Asset allocation
Strategic benchmark
Asset type Strategic benchmark % Australian shares 18.0% Overseas shares 15.0% Overseas shares hedged to $A 7.0% Unlisted infrastructure 8.0% Unlisted property 8.0% Unlisted equity 2.0% Defensive alternatives 4.0% Credit 7.0% Australian fixed interest 8.0% Overseas fixed interest 13.0% Cash/Interest-bearing securities 10.0%
Need help choosing the right investment option for you?
We offer a range of investment options to suit the needs of different people. To find out more about our investment options, call us on 1800 222 071 between 8am and 8pm (AEST/AEDT) weekdays.
Note: When markets are highly volatile - as they are currently - the Cash Plus investment option may produce small negative returns over short time periods. Read more here.
* 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 20 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 (69 options), 10 (32 options) and 20 (12 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 5 October 2022 using data as at 30 June 2022. 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).