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Learn more.No matter which option you choose, each one aligns with climate and socially responsible values.
✔️ Screens out fossil fuel companies ✔️ Ethically screened ✔️ Invests for impact
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For investors stepping into retirement, seeking stability and steady returns without compromising their values.
For investors seeking a balance of risk, return, and values to build a future with purpose.
For investors who want to grow their super without pushing it to the max risk-wise, with additional investment in non-traditional assets.
For long-term investors who want to grow their super without pushing it to the max risk-wise.
For bold investors looking to maximise long-term returns with an aggressive asset allocation. Higher returns, but higher risk of losses.
How risk and reward are balanced in order to achieve investment objectives
40% Growth
60% Defensive
70% Growth
30% Defensive
85% Growth
15% Defensive
85% Growth
15% Defensive
95% Growth
5% Defensive
Medium
Expected return is medium.
This option aims for steady returns. It’s designed for a balanced approach to manage market ups and downs while keeping risk at a moderate level.
High
Expected return is high, but so is the risk.
This option seeks high growth but may experience bigger market ups and downs. Best suited for those comfortable with volatility in pursuit of long-term returns.
High
Expected return is high, but so is the risk.
This option seeks high growth but may experience bigger market ups and downs. Best suited for those comfortable with volatility in pursuit of long-term returns.
High
Expected return is high, but so is the risk.
This option seeks high growth but may experience bigger market ups and downs. Best suited for those comfortable with volatility in pursuit of long-term returns.
Very High
Expected return is very high, but so is the risk.
With an aggressive asset allocation, this option seeks the highest possible returns, but comes with the highest risk, so expect market ups and downs. Suited for those comfortable with the increased risk of negative returns, in pursuit of long-term growth.
An investment time horizon is the time period where one expects to hold an investment for a specific goal. Investments are generally broken down into two main categories: growth (riskier - such as stocks) and defensive (less risky - such as bonds). The longer the time horizon, the more aggressive, or riskier, a portfolio an investor can build.
5+ years
10+ years
12+ years
12+ years
15+ years
CPI + 1.75%
CPI (which stands for 'Consumer Price Index') is how much the price of stuff changes each year
CPI + 2.75%
CPI (which stands for 'Consumer Price Index') is how much the price of stuff changes each year
CPI + 3.25%
CPI (which stands for 'Consumer Price Index') is how much the price of stuff changes each year
CPI +3.25%
CPI (which stands for 'Consumer Price Index') is how much the price of stuff changes each year
CPI + 3.75%
CPI (which stands for 'Consumer Price Index') is how much the price of stuff changes each year
1.220% + $60
1.261% + $60
1.511% + $60
1.280% + $60
1.301% + $60
(over any 20-year period)
2 to less than 3
4 to less than 6
4 to less than 6
4 to less than 6
6 or more
If you were moved to our legacy Balanced option after Balanced Index closed on 23 May 2025, find more details here.
1
As of 24 May 2025. This information is subject to change. The asset allocation reflects a strategic mix, but the actual allocation may vary due to market movements, contributions, withdrawals, or changes in investment types.
2
Based on regulated Standard Risk Measure guidelines.
3
The fees shown are the total Administration Fees and Costs, Investment Fees and Costs and Transaction Costs payable by you in respect of your investment in each investment option. Other fees and costs may apply to your account. Please read the Product Disclosure Statement , How Future Super Works Guide and Target Market Determination for full details about how fees and costs may impact your investment.
4
Returns are after investment fees, transaction costs and taxes, but before the percentage-based administration fees and dollar-based administration fees have been taken out. Returns for periods of greater than one year are on a per annum compound basis. Returns are not guaranteed and past performance is not a reliable indicator of future performance.
