Your 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 exclude or restrict investments in certain industries and companies considered to have a highly adverse environmental or social impact.

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

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Our High Growth Indexed option is a low-cost diversified option. It has a target split of 88% growth assets and 12% defensive assets and 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 exclude or restrict investments in certain industries and companies considered to have a highly adverse environmental or social impact.

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

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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 59% growth assets and 41% defensive assets. It’s designed to balance the need for capital growth while helping guard against large market falls.

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Our Conservative option is a diversified option with a target split of 39% growth assets and 61% defensive assets. It’s designed for members seeking modest capital growth who are less comfortable with significant fluctuations in the value of their investments.

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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. It’s designed for members with a short to medium-term investment timeframe seeking fairly stable returns.

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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. International fixed income investments will generally be fully hedged. This means they are protected against the impact of currency fluctuations on investment returns.

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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.

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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 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 59% growth assets and 41% defensive assets. It’s designed to balance the need for capital growth 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 exclude or restrict investments in certain industries and companies considered to have a highly adverse environmental or social impact.

The option has a target split of 59% growth assets and 41% defensive assets.

Learn more

Conservative Balanced Indexed is a low-cost diversified option. It has a target split of 59% growth assets and 41% defensive assets. Apart from cash, the asset classes within this option are passively managed.

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Our Conservative option is a diversified option with a target split of 39% growth assets and 61% defensive assets. It’s designed for members seeking modest capital growth who are less comfortable with significant fluctuations in the value of their investments.

Learn more

Our Conservative Socially Conscious option is managed with specific restrictions and exclusions known as screens. It seeks to exclude or restrict investments in certain industries and companies considered to have a highly adverse environmental or social impact.

The option has a target split of 39% growth assets and 61% defensive assets.

Learn more

Conservative Indexed is a low-cost diversified option. It has a target split of 39% growth assets and 61% 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. It’s designed for members with a short to medium-term investment timeframe seeking fairly stable returns.

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.

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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. International fixed income investments will generally be fully hedged. This means they are protected against the impact of currency fluctuations on investment returns.

Learn more

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

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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.

Learn more