Everyone is different, that’s why we offer 10 different investment options so you can choose the right one for your individual circumstances.  As an overall picture, we invest funds in two ways:

• Growth assets 
• Defensive assets 

Essentially, each of our investments contain different proportions of Growth Assets and Defensive assets. You just need to choose how much of your superannuation you allocate to each investment option to reach your goals.

Growth assets
Growth assets such as Australian and overseas shares, and property, carry a higher level of investment risk over shorter periods, with the possibility of higher returns over the longer term. Returns may be negative in some years.
But while they may seem volatile over the short term, they have the potential to grow your investment substantially over the long term.

Defensive assets
These investments are used when trying to protect the investment from the chance of a negative return (in other words the value of the investment falls). Defensive investments tend to produce lower long term returns but are more stable than growth assets. Defensive Assets such as bonds, cash and deposits have a lower investment risk, but usually offer lower returns over the longer term.

You can view a full list of our investment options Funds and the underlying Investment Managers here. Before you make any decision, our PDS can give you a detailed breakdown of each investment option.  You may wish to consult a Financial Adviser to discuss your personal circumstances.  

Our Past Performance