Investment Options

The information on this web page forms part of the AvSuper Public Offer Product Disclosure Statement (dated 1 April 2022) and AvSuper Corporate Product Disclosure Statement (dated 1 April 2022). Please refer to your PDS and our Insurance Guide and/or Investment Guide for more information.

Growth* Conservative Growth Stable Growth Balanced Growth Diversified Index High Growth Australian Shares International Shares Cash
Primary Objective – to achieve a return, after tax and fees, over a rolling 10-year period which exceeds Consumer Price Index (CPI) PLUS
 3.0% pa (super members) or 3.5% (income stream members) 0.5% pa (super members) or 1.0% (income stream members) 1.5% pa (super members) or 2.0% (income stream members) 2.5% pa (super members) or 3.0% (income stream members) 2.5% pa (super members) or 3.0% (income stream members) 3.5% pa (super members) or 4.0% (income stream members) the S&P / ASX 300 Accumulation Index the Morgan Stanley Capital International All Country World Index (ex Australia) 33% hedged and 67% unhedged in $A Bloomberg AusBond Bank Bill Index
Designed for members who… accept medium risk with short term fluctuations in a diversified portfolio for higher long term returns are  generally risk averse or wanting short term access to their money, but want to some capital expansion want a diverse investment portfolio to obtain steady returns over time accept medium volatility and risk through a balanced investment portfolio for a moderate return are seeking passive market returns with low fees and can tolerate high volatility in the short term. accept higher risk and short term volatility through shares and real assets for greater long term returns want to invest in local sharemarkets and accept higher risk for greater long term returns want to invest in global sharemarkets and accept higher risk for greater long term returns have a short investment horizon for some or all of their investment with minimal chance of capital loss
Investment time frame 5+ years 2-4 years 3-5 years 4-6 years 7+ years 7+ years 7+ years 7+ years 0-3 years
Growth* Conservative Growth Stable Growth Balanced Growth Diversified Index High Growth Australian Shares International Shares Cash
Risk / Return

Profile

Returns can be somewhat volatile over the short to medium term but are generally less volatile than the High Growth option Generally less volatility in the short term but usually modest returns over longer periods There may be some volatility in returns in the short term but it tends to be stable over longer periods There may be some volatility in returns in the medium term but less than for the Growth option Returns will be volatile in line with market returns Returns can be very volatile in the short to medium term but historically, these investments have offered the highest long term returns Returns can be very volatile over the short to medium term but historically, these investments have offered the highest long term returns Returns can be very volatile over the short to medium term but historically, these investments have offered the highest long term returns Relatively low investment returns. It is rarely suitable for ensuring your super will grow (including in retirement) but may be suitable for preserving your capital
Standard Risk Measure

(Read about the Standard Risk Measure and how we determine the appropriate risk labels and bands)

Risk band 6 4 5 6 6 7 7 7 1
Risk label High Medium Medium to High High High Very High Very High Very High Very Low
Expected frequency of negative returns in 20 years 4 to less than 6 2 to less than 3 3 to less than 5 4 to less than 6 4 to less than 6 6 or greater 6 or greater 6 or greater Less than 0.5
Growth* Conservative Growth Stable Growth Balanced Growth Diversified Index High Growth Australian Shares International Shares Cash
Strategic Asset Allocation (SAA)
Australian Shares 27% 9% 13.5% 19% 31.5% 40.5% 100% 0% 0%
International Shares 30% 11% 16.5% 24% 38.5% 49.5% 0% 100% 0%
Real Assets 21% 10% 17% 18% 0% 5% 0% 0% 0%
Private Markets 4% 0% 5% 5% 0% 5% 0% 0% 0%
Alternatives 5% 10% 8% 8% 0% 0% 0% 0% 0%
Diversified Fixed Income 11% 30% 20% 14% 17% 0% 0% 0% 0%
Cash 2% 30% 20% 12% 13% 0% 0% 0% 100%

Please note that past performance is not always indicative of future performance.

*The Growth option is AvSuper’s MySuper investment option for accumulation members.