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Make your personal contributions by 25 June 2024 to make sure they’re counted towards the 2023/24 financial year.

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Investment options to suit your financial goals

We offer a range of investment options to suit different risk profiles and retirement goals. Choose from our:
 

  • nine diversified options - these options invest in a mix of different asset classes like shares, fixed income and cash.
  • six single asset class options - these options invest in one asset class only like Australian shares.

Prefer to leave investing to us?

If you don’t want to make an investment choice, you can leave the hard work to our investment professionals. Our MySuper Lifecycle approach might be the right pick for you.

Our investment options

Our High Growth option has a large allocation to growth assets like shares and private equity. It has a target split of 88% growth assets and 12% defensive assets. It's designed to make the most of the potential to grow members’ savings by maximising returns over the long term.

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Our High Growth Socially Conscious option is managed with specific restrictions and exclusions known as screens. It seeks to avoid investments in industries and companies recognised for having a highly adverse environmental or social impact.

The option has a target split of 88% growth assets and 12% defensive assets.

Learn more

Our High Growth Indexed option is a low-cost diversified option. It invests mostly in Australian and international shares. However, there are small allocations to fixed income (bonds) and cash. Apart from cash, the asset classes within this option are passively managed.

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Our Balanced option is mostly invested in growth assets like shares and private equity. It has a target split of 75% growth assets and 25% defensive assets.

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Our Balanced Socially Conscious option is managed with specific restrictions and exclusions known as screens. It seeks to avoid investments in industries and companies recognised for having a highly adverse environmental or social impact.

The option has a target split of 75% growth assets and 25% defensive assets.

Learn more

Balanced Indexed is a low-cost diversified option that invests mostly in Australian and international shares. It has a target split of 75% growth assets and 25% defensive assets. Apart from cash, the asset classes within this option are passively managed.

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Our Conservative Balanced option is a diversified option with a target split of 57% growth assets and 43% defensive assets. It’s designed to balance the need for strong long-term returns while helping guard against large market falls.

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Our Conservative option is a diversified option with a target split of 38% growth assets and 62% defensive assets. It’s designed for members seeking a diversified option with more stable, but modest, returns.

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Our Defensive option is our lowest risk diversified option. It invests mostly in defensive assets like cash and fixed income (bonds), with a target split of 25% growth assets and 75% defensive assets.

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Australian Shares is a low-cost, single asset class investment option. It invests in a range of companies listed on the Australian Securities Exchange (ASX). The option is passively managed.

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Our International Shares option is a low-cost, single asset class investment option. It invests in companies listed on securities exchanges in developed markets. The option is passively managed and is unhedged. This means it will fluctuate both due to changes in share prices and currency movements.

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Our Property option is a low-cost, single asset class option. It invests in a passively managed portfolio of global property securities. International investments are usually fully hedged. This means they are protected against the impact of currency fluctuations.

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Our Bonds option is a low-cost, single asset class investment option. It invests in a passively managed portfolio of Australian and international fixed income investments.

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Cash is a low-cost, single asset class investment option that invests in term deposits and other short-term interest-bearing investments such as bank deposits.

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A non-unitised option that allows you to invest directly in term deposits for a term of 3, 6, 9 or 12 months.

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Our High Growth option has a large allocation to growth assets like shares and private equity. It has a target split of 88% growth assets and 12% defensive assets. It's designed to make the most of the potential to grow members’ savings by maximising returns over the long term.

Learn more

Our High Growth Socially Conscious option is managed with specific restrictions and exclusions known as screens. It seeks to avoid investments in industries and companies recognised for having a highly adverse environmental or social impact.

The option has a target split of 88% growth assets and 12% defensive assets.

Learn more

Our High Growth Indexed option is a low-cost diversified option. It invests mostly in Australian and international shares. However, there are small allocations to fixed income (bonds) and cash. Apart from cash, the asset classes within this option are passively managed.

Learn more

Our Balanced option is mostly invested in growth assets like shares and private equity. It has a target split of 75% growth assets and 25% defensive assets.

Learn more

Our Balanced Socially Conscious option is managed with specific restrictions and exclusions known as screens. It seeks to avoid investments in industries and companies recognised for having a highly adverse environmental or social impact.

The option has a target split of 75% growth assets and 25% defensive assets.

Learn more

Balanced Indexed is a low-cost diversified option that invests mostly in Australian and international shares. It has a target split of 75% growth assets and 25% defensive assets. Apart from cash, the asset classes within this option are passively managed.

Learn more

Our Conservative Balanced option is a diversified option with a target split of 57% growth assets and 43% defensive assets. It’s designed to balance the need for strong long-term returns while helping guard against large market falls.

Learn more

Our Conservative option is a diversified option with a target split of 38% growth assets and 62% defensive assets. It’s designed for members seeking a diversified option with more stable, but modest, returns.

Learn more

Our Defensive option is our lowest risk diversified option. It invests mostly in defensive assets like cash and fixed income (bonds), with a target split of 25% growth assets and 75% defensive assets.

Learn more

Australian Shares is a low-cost, single asset class investment option. It invests in a range of companies listed on the Australian Securities Exchange (ASX). The option is passively managed.

Learn more

Our International Shares option is a low-cost, single asset class investment option. It invests in companies listed on securities exchanges in developed markets. The option is passively managed and is unhedged. This means it will fluctuate both due to changes in share prices and currency movements.

Learn more

Our Property option is a low-cost, single asset class option. It invests in a passively managed portfolio of global property securities. International investments are usually fully hedged. This means they are protected against the impact of currency fluctuations.

Learn more

Our Bonds option is a low-cost, single asset class investment option. It invests in a passively managed portfolio of Australian and international fixed income investments.

Learn more

Cash is a low-cost, single asset class investment option that invests in term deposits and other short-term interest-bearing investments such as bank deposits.

Learn more

A non-unitised option that allows you to invest directly in term deposits for a term of 3, 6, 9 or 12 months.

Learn more

Our High Growth option has a large allocation to growth assets like shares and private equity. It has a target split of 88% growth assets and 12% defensive assets. It's designed to make the most of the potential to grow members’ savings by maximising returns over the long term.

Learn more

Our Balanced option is mostly invested in growth assets like shares and private equity. It has a target split of 75% growth assets and 25% defensive assets.

Learn more

Our Conservative Balanced option is a diversified option with a target split of 57% growth assets and 43% defensive assets. It’s designed to balance the need for strong long-term returns while helping guard against large market falls.

Learn more

Our Conservative Balanced Socially Conscious option is managed with specific restrictions and exclusions known as screens. It seeks to avoid investments in industries and companies recognised for having a highly adverse environmental or social impact.

The option has a target split of 57% growth assets and 43% defensive assets.

Learn more

Conservative Balanced Indexed is a low-cost diversified option. It has a target split of 57% growth assets and 43% defensive assets. Apart from cash, the asset classes within this option are passively managed.

Learn more

Our Conservative option is a diversified option with a target split of 38% growth assets and 62% defensive assets. It’s designed for members seeking a diversified option with more stable, but modest, returns.

Learn more

Our Conservative Socially Conscious option is managed with specific restrictions and exclusions known as screens. It seeks to avoid investments in industries and companies recognised for having a highly adverse environmental or social impact.

The option has a target split of 38% growth assets and 62% defensive assets.

Learn more

Conservative Indexed is a low-cost diversified option. It has a target split of 38% growth assets and 62% defensive assets. Apart from cash, the asset classes within this option are passively managed.

Learn more

Our Defensive option is our lowest risk diversified option. It invests mostly in defensive assets like cash and fixed income (bonds), with a target split of 25% growth assets and 75% defensive assets.

Learn more

Australian Shares is a low-cost, single asset class investment option. It invests in a range of companies listed on the Australian Securities Exchange (ASX). The option is passively managed.

Learn more

Our International Shares option is a low-cost, single asset class investment option. It invests in companies listed on securities exchanges in developed markets. The option is passively managed and is unhedged. This means it will fluctuate both due to changes in share prices and currency movements.

Learn more

Our Property option is a low-cost, single asset class option. It invests in a passively managed portfolio of global property securities. International investments are usually fully hedged. This means they are protected against the impact of currency fluctuations.

Learn more

Our Bonds option is a low-cost, single asset class investment option. It invests in a passively managed portfolio of Australian and international fixed income investments.

Learn more

Cash is a low-cost, single asset class investment option that invests in term deposits and other short-term interest-bearing investments such as bank deposits.

Learn more

A non-unitised option that allows you to invest directly in term deposits for a term of 3, 6, 9 or 12 months.

Learn more

How we perform

We have a track record of delivering strong long-term investment returns for our members.1

See how we perform and compare our investment options:

1 Aware Super High Growth option return over 10 years to 31 March 2023 was 9.41% p.a. Index median of 8.48% p.a. for the same period. Source: SuperRatings Fund Crediting Rate Survey (SR50 Growth (77-90) Index). Returns are after investment fees and costs, transaction costs, tax on investment income and any implicit admin fees. Past performance is not an indicator of future performance.

Manage your investment options

Learn how investments work, so you can make a decision on the investment option that best suits your financial goals.

Frequently asked questions

We’ve listed the diversified investment options we offer below, organised by investment style and account type.

Future Saver and Retirement Transition accounts

Scroll table horizontally on mobile

Core Socially Conscious Indexed
High Growth High Growth Socially Conscious High Growth Indexed
Balanced Balanced Socially Conscious Balanced Indexed
Conservative Balanced1    
Conservative    
Defensive    


1 Default option for Retirement Transition accounts (MySuper Lifecycle is the default for Future Saver accounts).

Retirement Income accounts

Scroll table horizontally on mobile

Core Socially Conscious Indexed
High Growth Conservative Balanced Socially Conscious Conservative Balanced Indexed
Balanced Conservative Socially Conscious Conservative Indexed
Conservative Balanced2    
Conservative    
Defensive    


2 Default option for Retirement Income accounts.

We also offer six single asset class options for members wanting to be more hands-on in choosing and managing their investments. These are:
 

  • Australian Shares
  • International Shares
  • Property
  • Bonds
  • Cash
  • Term Deposit

The key features of the three diversified investment option styles are summarised below:

  • Core - these options use a range of investment managers and investment styles. They include unlisted assets like infrastructure and property investments.
  • Socially Conscious – these options seek to avoid certain investments considered to have a highly adverse environmental or social impact. Investments are selected and managed according to specific restrictions and exclusions.
  • Indexed – these are low-cost options which invest only in liquid asset classes like shares, cash and fixed income.


You can read more about the three diversified investment option styles in the relevant Product Disclosure Statement or Handbook

It depends on your individual circumstances and attitude to risk. If you're not sure which option is right for you, read about the investment options in the Product Disclosure Statement or Handbook, or make an appointment to speak with one of our advisers.

Our investment options have different asset allocations.

See how are investment options are invested

Yes, you can switch between investment options at any time, provided you don’t have an investment switch or term deposit application pending. There is no charge for switching investment options.

To switch investment options, login to your online account and go to the 'Investments' tab and then 'Change investment options'. From here, you can view all the available options and select the one you want to switch to.

Alternatively, you can complete a Change your investment options form (PDF, 200kB) and post it to us.

You can also call our super helpful team on 1300 650 873 and they will help you switch investment options.

Unit prices are updated each business day. View the latest unit prices here, or login to your online account and go to the 'Investments' tab.

Learn more about how we calculate unit prices

The MySuper Product Dashboard summarises key information about the returns, fees, and levels of risk associated with our MySuper Lifecycle approach. It can also help you compare our MySuper Lifecycle approach with other MySuper products. It’s based on a representative member with an account balance of $50,000 throughout the year.

View our Dashboard (PDF, 568kB)

The Aware Investment Funds allow you to diversify your investments outside of the super environment.

Learn more