Each investment option has an objective which is the desired performance outcome.

When making an investment choice, keep in mind that objectives and benchmarks are tools to monitor performance. They are not a forecast of future returns or a prediction of the earnings on your investment.

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Pre-mixed investment options

For each pre-mixed option, the investment objective is to achieve investment returns above inflation (as measured by the Consumer Price Index) over rolling time periods.

Investment objectives are established as part of setting long-term financial goals, and determine whether your investments may be under or over performing over a period of 10 or more years.

While these benchmarks are not to be taken as a forecast of future performance, they can give you an idea of the expected return outcome of each investment mix. 

Investment objectives (over 10 year periods)
Option Super Income stream
High Growth CPI + 4% CPI + 4.5%
Growth CPI + 3.75% CPI + 4.25%
Diversified Socially Responsible CPI + 3.75% CPI + 4.25%
Balanced Growth CPI + 2.75% CPI + 3.25%
Conservative Growth
CPI + 1.0% CPI + 1.5%
Please note, on 15 August 2016, the names of three of our pre-mixed options were updated as follows: from Diversified to Growth, from Balanced to Balanced Growth and from Capital Guarded to Conservative Growth.

Single asset option benchmarks

To benchmark the performance of our asset class options, we use internationally recognised standard indices as our benchmark.

For example, the benchmark for shares are usually a stock exchange index for the performance of the broader market. From time to time, we review and sometimes change the benchmark.

Option Benchmark
Australian Equities S&P ASX 300 Index (dividends re-invested)
Australian Socially Responsible Equities S&P ASX 200 Index (dividends re-invested)
International Equities MSCI World Index ex Australia (net dividends re-invested) in Australian dollars
Property FTSE EPRA/NAREIT Developed Rental Index (Hedged) & CPI +5%
Australian Fixed Interest Bloomberg AusBond Composite 0+Yr Index
International Fixed Interest Barclays Global Aggregate Float Adjusted Index (Fully Hedged)
Cash Bloomberg AusBond Bank Bill Index

We will review and may change the investment objective of an investment option from time to time.

For more information, view the Member Booklet Supplement: Investments. If you are an income stream member, view the Member Booklet: Income Stream (PDS).