Our Balanced Indexed option is diversified across a range of listed asset classes. It targets 75% in growth assets such as shares, and 25% in defensive assets such as fixed income. Asset classes are passively managed (apart from cash), making this a low cost option.
This option is not available to members with a Retirement Income account.
May suit members who:
Understanding passive management
Passive managers, also known as index managers, choose investments to form a portfolio that closely tracks a market benchmark (or index). Passive managers usually charge lower fees because they don’t need extensive resources to select investments.
Returns at market extremes will typically be greater (positive and negative) for the Indexed options compared to the equivalent Core and Socially Conscious options. This is because the indexed style is less diversified (by asset class, investment style and manager).
Investment objective
(after fees, costs and tax) over rolling 10-year periods.
Timeframe
Minimum suggested investment timeframe.
Risk
Estimated number of negative annual returns over any 20-year period:
4 to less than 6 times
Short-term risk:
6 - High
Long-term risk:
3 - Low to Medium
1 Includes ‘Investment fees and costs’ and ‘Transaction costs’, excludes ‘Administration fees’. Indicative only based on historical fee and cost data as at 30 June 2025. The amount you’ll pay in future years will depend on the fees and costs incurred by the trustee in managing the investment option. Other fees and costs may apply. Refer to the relevant PDS or Handbook for more information.
Below are the option’s asset allocation targets and ranges, effective 30 September 2025.
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| Balanced Indexed | Target | Range |
|---|---|---|
| Australian shares* | 31% | 21 -41% |
| International shares* | 44% | 34 - 54% |
| Listed property | 0% | 0 - 10% |
| Fixed income | 20% | 0 - 35% |
| Cash | 5% | 0 - 45% |
Scroll table horizontally on mobile
| Target | |
|---|---|
| Growth assets | 75% |
| Defensive assets | 25% |
Investment objective
(after fees, costs and tax) over rolling 10-year periods.
Timeframe
Minimum suggested investment timeframe.
Risk
Estimated number of negative annual returns over any 20-year period:
4 to less than 6 times
Short-term risk:
6 - High
Long-term risk:
3 - Low to Medium
1 Includes ‘Investment fees and costs’ and ‘Transaction costs’, excludes ‘Administration fees’. Indicative only based on historical fee and cost data as at 30 June 2025. The amount you’ll pay in future years will depend on the fees and costs incurred by the trustee in managing the investment option. Other fees and costs may apply. Refer to the relevant PDS or Handbook for more information.
Below are the option’s asset allocation targets and ranges, effective 30 September 2025.
Scroll table horizontally on mobile
| Balanced Indexed | Target | Range |
|---|---|---|
| Australian shares* | 31% | 21 - 41% |
| International shares* | 44% | 34 - 54% |
| Listed property | 0% | 0 - 10% |
| Fixed income | 20% | 0 - 35% |
| Cash | 5% | 0 - 45% |
Scroll table horizontally on mobile
| Target | |
|---|---|
| Growth assets | 75% |
| Defensive assets | 25% |
*Carbon-constrained benchmarks
The Australian and international shares asset classes for this option are managed to custom carbon-constrained benchmarks. These benchmarks exclude, or have a reduced weighting to, some of the most carbon intensive companies. In accordance with our fund-wide investment restrictions, companies generating revenue from tobacco, thermal coal or controversial weapons (above applicable materiality thresholds) are also excluded. See the ‘Carbon-constrained benchmarks’ and ‘Responsible Ownership’ sections of the relevant PDS or Handbook for more information.
You can choose to invest in one option or a combination of options. And you can switch your investment options at any time for free.
We’re here to help you achieve your financial goals. We can provide simple financial advice, over the phone, to answer any questions.
You can speak to a qualified financial planner who can help you make investment choices that meet your financial goals.
