Investment Options
The information on this web page forms part of the AvSuper Public Offer Product Disclosure Statement (dated 1 November 2023) and AvSuper Corporate Product Disclosure Statement (dated 1 November 2023). 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 | |
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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) | 1.5% pa (super members) or 2.0% (income stream members) | 2.0% pa (super members) or 2.5% (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) |
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Risk band | 6 | 3 | 4 | 5 | 6 | 6 | 7 | 7 | 1 |
Risk label | High | Low to Medium | Medium | Medium to High | High | High | Very High | Very High | Very Low |
Expected frequency of negative returns in 20 years | 4 to less than 6 | 1 to less than 2 | 2 to less than 3 | 3 to less than 4 | 4 to less than 6 | 4 to less than 6 | 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.