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Super and transition to retirement

Investor profile

Who might invest in this option?

Investment objective and time frame

Each investment option has an objective which is the desired performance outcome1

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Risk profile

We use an industry standard risk measurement to help you understand an investment option’s risk profile, where 1 is very low risk and 7 is very high risk2

Understanding investments and risk
Asset allocation

Asset allocations show how much of an asset class (e.g. cash, shares, etc.) is held by each investment option3

More information on asset allocation
Performance returns

Super is a long-term investment so it’s important to consider returns over the long term as performance may fluctuate over the short term4

View full investment performance
Investment fees and costs

The estimated investment fees are based on the fees and costs for the 12 months to 30 June 2017. These do not include administration fees.5

View full fees and costs

Investment management costs

Investment management costs reflect fees paid to investment managers and specialist investment consultants, as well as the costs of the First State Super investment team. 

Performance related costs

Performance fee arrangements are in place with a number of external investment managers. Performance-related costs reflect the performance fees incurred in relation to these managers for the year ending 30 June 2017.

Explicit transaction costs

Explicit transaction costs include brokerage, clearing fees, stamp duty, commissions, buy/sell spreads and due diligence costs.

Other fees and costs 

Other fees and costs includes fees paid to the custodian to hold the assets of the fund, amounts paid to accounting/ audit and tax specialists, costs associated with the fund's securities lending program and the 0.04% trustee charge in relation to the pre-mixed investment options (i.e. the High Growth, Growth, Diversified SRI, Balanced Growth and Conservative Growth investment options), as well as costs associated with the use of over-the-counter (OTC) derivatives.

Total investment fees

Total investment fees reflects the total of investment management costs, performance – related costs, explicit transaction costs and other fees and costs.

Retirement income stream

Investor profile

Who might invest in this option?

Investment objective and time frame

Each investment option has an objective which is the desired performance outcome1

Read more
Risk profile

We use an industry standard risk measurement to help you understand an investment option’s risk profile, where 1 is very low risk and 7 is very high risk2

Understanding investments and risk
Asset allocation

Asset allocations show how much of an asset class (e.g. cash, shares, etc.) is held by each investment option3

View more information on asset allocations
Performance returns

Super is a long-term investment so it’s important to consider returns over the long term as performance may fluctuate over the short term4

View full investment performance
Investment fees and costs

The estimated investment fees are based on the fees and costs for the 12 months to 30 June 2017. These do not include administration fees5

View full fees and costs

Investment management costs

Investment management costs reflect fees paid to investment managers and specialist investment consultants, as well as the costs of the First State Super investment team. 

Performance related costs

Performance fee arrangements are in place with a number of external investment managers. Performance-related costs reflect the performance fees incurred in relation to these managers for the year ending 30 June 2017.

Explicit transaction costs

Explicit transaction costs include brokerage, clearing fees, stamp duty, commissions, buy/sell spreads and due diligence costs.

Other fees and costs 

Other fees and costs includes fees paid to the custodian to hold the assets of the fund, amounts paid to accounting/ audit and tax specialists, costs associated with the fund's securities lending program and the 0.04% trustee charge in relation to the pre-mixed investment options (i.e. the High Growth, Growth, Diversified SRI, Balanced Growth and Conservative Growth investment options), as well as costs associated with the use of over-the-counter (OTC) derivatives.

Total investment fees

Total investment fees reflects the total of investment management costs, performance – related costs, explicit transaction costs and other fees and costs.



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  1. The objectives do not constitute a forecast or guarantee of future performance or the future rates of return of the investment option. The trustee will review and may change the investment objective of an investment option from time to time. Click here to view more information for accumulation members, transition to retirement members or retirement income stream members. ↩

  2. Click here to view the underlying modelling methodology used to estimate risk labels and the expected frequency of negative returns. ↩

  3. The actual allocation will vary over time and are displayed as of 'March 2018'. Where necessary, the trustee will take steps to maintain the actual allocation within + or - 20% of the growth to income allocation. The trustee may vary the actual asset allocation for an investment option from time to time. Click here for details of the current actual asset allocations. Alternatives can include both income and growth assets.  ↩

  4. FYTD means financial year to date starting from 1 July. Investment returns are calculated after allowing for income tax on investment income, and investment management expenses but before the deduction of administration fees from members' account balances. These returns are not the returns of your investment in the fund, as your individual net rate of return takes into account the amount and timing of the transactions on your account, changes in the value of your investment(s) and whether earnings are subject to tax within the fund. This could mean your net rate of return differs from the performance of the investment option(s) you were invested in. Neither the investments of the trustee nor payments of capital to members are guaranteed by the trustee. It is important to remember that past performance is not a reliable indicator nor is it a guarantee of future performance. This document provides general information only and does not take into account your objectives, personal financial situation or needs. We recommend you obtain financial advice that is tailored to your personal circumstances. ↩

  5. Investment fees may vary from year to year and cannot be precisely calculated in advance. The investment fees shown above are indicative only and are based on the fees and costs for each investment option for the 12 months to 30 June 2017, including several components which are estimates only. The actual amount you'll pay in future years will depend on the actual fees, costs and taxes incurred by the trustee in managing the investment option. Borrowing costs, implicit transaction costs, and property operating costs may also affect your investment but are not included above. Click here to view fees and costs for accumulation accounts. Click here to view fees and costs for transition to retirement accounts. For retirement income stream accounts Click here ↩