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Planned outage to member and adviser services – Member Online, Adviser Portal and Aware Super App


Between 6pm (AEDT) Friday 8 December and 5pm (AEDT) Saturday 9 December, you won’t be able to log in to Member Online, Adviser Portal or the Aware Super App

Overview

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.

Future Saver members aged 55 and under are automatically invested in our High Growth option if they don’t make an investment choice. This is part of our MySuper Lifecycle approach.

 

Why you’d invest

This might be a suitable option if you:
 

  • are seeking to maximise your long-term returns,
  • can accept significant fluctuations in returns. This includes years when returns are negative, and
  • are prepared to stay invested in the option for 10 years or longer.

Did you know?

The investment objective, mix of assets and fees may be different depending on your account type (Future Saver, Retirement Transition or Retirement Income).  

Account type

Investment Objective

CPI + 4.00% p.a.

(after fees, costs and tax) over rolling 10-year periods.
 

Timeframe

10 years

Suited to investors who are prepared to invest in this option for 10 or more years.

Risk Level

6 - High

The estimated number of negative annual returns over any 20-year period is 4-6 times.

This is based on the Standard Risk Measure.
 

Cost of product for $50,000 account balance1

$497

Calculation of the fees and costs that can affect your super investment over a 1-year period.

Learn more about our fees and costs
 

The cost of product assumes a balance of $50,000. It includes administration fees. It also includes an estimate of ‘Investment fees and costs’ and ‘Transaction costs’. ‘Investment fees and costs’ and ‘Transaction costs’ are based on the fees and costs for the year ended 30 June 2023, other than performance fees which are a 5-year average. Fees and costs can vary from year to year. 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. If you have insurance, premiums will apply. Refer to the relevant PDS or Handbook for more information.

Growth asset and defensive asset split

This is the target percentage that will be invested in growth assets and defensive assets.

Scroll table horizontally on mobile

  Target Range
Growth assets 88% 68% - 100%
Defensive assets 12% 0% - 32%

Strategic Asset Allocation

These are the target and asset allocation ranges for the option, effective 30 September 2023.

Scroll table horizontally on mobile

  Target  Range 
Australian shares  26.5% 16% - 37%
International shares 39.5% 29% - 50%
Private equity 8% 0% - 28%
Infrastructure 11% 0% - 31%
Property 7% 0% - 27%
Liquid alternatives (Growth) 1% 0% - 21%
Liquid alternatives (Defensive) 0% 0% - 10%
Credit income 3% 0% - 23%
Fixed income 0% 0% - 10%
Cash 4% 0% - 15%
Currency exposure 26.5% 0% - 50%

Investment Objective

CPI + 4.00% p.a.

(after fees, costs and tax) over rolling 10-year periods.
 

Timeframe

10 years

Suited to investors who are prepared to invest in this option for 10 or more years.

Risk Level

6 - High

The estimated number of negative annual returns over any 20-year period is 4-6 times.

This is based on the Standard Risk Measure.
 

Cost of product for $50,000 account balance2

$537

Calculation of the fees and costs that can affect your super investment over a 1-year period.

Learn more about our fees and costs
 

The cost of product assumes a balance of $50,000. It includes administration fees. It also includes an estimate of ‘Investment fees and costs’ and ‘Transaction costs’. ‘Investment fees and costs’ and ‘Transaction costs’ are based on the fees and costs for the year ended 30 June 2023, other than performance fees which are a 5-year average. Fees and costs can vary from year to year. 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. If you have insurance, premiums will apply. Refer to the relevant PDS or Handbook for more information.

Growth asset and defensive asset split

This is the target percentage that will be invested in growth assets and defensive assets.

Scroll table horizontally on mobile

  Target Range
Growth assets 88% 68% - 100%
Defensive assets 12% 0% - 32%

Strategic Asset Allocation

These are the target and asset allocation ranges for the option, effective 30 September 2023.

Scroll table horizontally on mobile

  Target Range
Australian shares 26.5% 16% - 37%
International shares 39.5% 29% - 50%
Private equity 8% 0% - 28%
Infrastructure 11% 0% - 31%
Property 7% 0% - 27%
Liquid alternatives (Growth) 1% 0% - 21%
Liquid alternatives (Defensive) 0% 0% - 10%
Credit income 3% 0% - 23%
Fixed income 0% 0% - 10%
Cash 4% 0% - 15%
Currency exposure 26.5% 0% - 50%

Investment Objective

CPI + 4.50% p.a.

(after fees, costs and tax) over rolling 10-year periods.
 

Timeframe

10 years

Suited to investors who are prepared to invest in this option for 10 or more years.

Risk Level

6 - High

The estimated number of negative annual returns over any 20-year period is 4-6 times.

This is based on the Standard Risk Measure.
 

Cost of product for $50,000 account balance3

$512

Calculation of the fees and costs that can affect your super investment over a 1-year period.

Learn more about our fees and costs
 

3 The cost of product assumes a balance of $50,000. It includes administration fees. It also includes an estimate of ‘Investment fees and costs’ and ‘Transaction costs’. ‘Investment fees and costs’ and ‘Transaction costs’ are based on the fees and costs for the year ended 30 June 2023, other than performance fees which are a 5-year average. Fees and costs can vary from year to year. 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. If you have insurance, premiums will apply. Refer to the relevant PDS or Handbook for more information. 

Growth asset and defensive asset split

This is the target percentage that will be invested in growth assets and defensive assets.

Scroll table horizontally on mobile

  Target Range
Growth assets 88% 68% - 100%
Defensive assets 12% 0% - 32%

Strategic Asset Allocation

These are the target and asset allocation ranges for the option, effective 30 September 2023.

Scroll table horizontally on mobile

  Target  Range 
Australian shares 28.5% 18% - 39%
International shares 37.5% 17% - 48%
Private equity 8% 0% - 28%
Infrastructure 11% 0% - 31%
Property 7% 0% - 27%
Liquid alternatives (Growth) 1% 0% - 21%
Liquid alternatives (Defensive) 0% 0% - 10%
Credit income 3% 0% - 23%
Fixed income 0% 0% - 10%
Cash 4% 0% - 15%
Currency exposure 25% 0% - 48%
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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.

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View our forms and resources page to download important documents

Frequently asked questions

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.

Book an appointment