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High Growth Indexed

Our High Growth Indexed option targets 90% in growth assets such as Australian and international shares, and 10% in defensive assets such as fixed income. Asset classes are passively managed (apart from cash), making it a low-cost option.
Donut chart showing a portfolio allocation targeting 90% growth assets and 10% defensive assets, with the defensive segment in light pink and the growth segment in dark purple.
May be suitable if you:
  • seek to maximise long-term returns via a low-cost diversified option
  • can accept significant fluctuations in returns, including negative returns in some years
  • are prepared to stay invested in the option for 10 years or longer.
Available for these accounts:
  • Future Saver
  • Retirement Transition
  • Defined Benefit - Telstra Plan Voluntary Accumulation Account (DB VAA)
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Summary

Investment objective

CPI + 3.25% p.a.

Over rolling 10-year periods after investment fees and costs and tax

Timeframe

10 years

Minimum suggested investment timeframe

Fees

0.06%

Investment fees and costs and transaction costs

Fees listed above include ‘Investment fees and costs’ and ‘Transaction costs’ and exclude ‘Administration fees’. Indicative only based on historical fee and cost data as at 30 June 2026. 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. Learn more about our fees and costs

Investment objective

CPI + 3.25% p.a.

Over rolling 10-year periods after investment fees and costs and tax

Timeframe

10 years

Minimum suggested investment timeframe

Fees

0.06%

Investment fees and costs and transaction costs

Fees listed above include ‘Investment fees and costs’ and ‘Transaction costs’ and exclude ‘Administration fees’. Indicative only based on historical fee and cost data as at 30 June 2026. 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. Learn more about our fees and costs

Understanding account types

For both of these accounts, you and your employer can make before and after-tax contributions to grow your super, and you can continue to manage your account as your needs change.

  • A Retirement Transition account is for when you still receive a regular income, but you’re ready to reduce your working hours. Use your super savings to pay some of your salary.

Level of risk

Estimated number of negative annual returns over any 20-year period:

4 to less than 6 times
Short-term risk

6 - High

Short-term risk measures the effect of market ups and downs on your balance, based on the likelihood of a negative annual return in a given year. 

Long-term risk

2 - Low

Long-term risk is the risk that your investment doesn’t generate enough of a return above inflation over the long term to maintain living standards in retirement. 

Estimated number of negative annual returns over any 20-year period:

4 to less than 6 times
Short-term risk

6 - High

Short-term risk measures the effect of market ups and downs on your balance, based on the likelihood of a negative annual return in a given year. 

Long-term risk

2 - Low

Long-term risk is the risk that your investment doesn’t generate enough of a return above inflation over the long term to maintain living standards in retirement. 

What it invests in

Our High Growth Indexed option is diversified across a range of listed asset classes.

Below are the option’s asset allocation targets and ranges.

Asset classTargetRange
Australian shares*39%29-49%
International shares*51%41-61%
Listed property0%0-10%
Fixed income7%0-17%
Cash3%0-15%
Asset classTargetRange
Australian shares*39%29-49%
International shares*51%41-61%
Listed property0%0-10%
Fixed income7%0-17%
Cash3%0-15%
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.

Note: 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 options are less diversified (by asset class, investment style, and manager).

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Last updated: September 2026

[AD2] Members can get advice about their Aware Super accounts at no extra cost, or advice on their broader needs for a fee.

[AD4] Aware Super data, member super check-ins from December 2024 - November 2025.