Conservative Balanced
This option is designed to achieve a balance of risk and return by investing in a blend of assets, with an emphasis on fixed interest, cash and shares (Australian and overseas).
5.63%
6.18%
10-year average
annual super return
as at 30 June 2024
annual super return
as at 30 June 2024
10-year average
annual pension return
as at 30 June 2024
annual pension return
as at 30 June 2024
For the returns over various time periods see the
performance page.
Why you’d invest
Invest in this option if you are seeking returns above the rate of inflation over the long term, but with less volatility than might be experienced by the Balanced option.
The minimum investment timeframe is 3–5 years.
Return objective
To achieve returns after tax and fees that exceed the inflation rate by at least 2% per year (over rolling 10-year periods).
Risk level
Medium
The likelihood of a negative annual return is 3.0 in every 20 years for super and transition to retirement accounts.
The risk level is based on the Standard Risk Measure.
Medium
The likelihood of a negative annual return is 2.9 in every 20 years for full pension accounts.
The risk level is based on the Standard Risk Measure.
Asset class mix
Allocation table for Super & TTI
Asset class | Benchmark | Range |
---|---|---|
Australian Shares | 18% | 5-30 |
Overseas Shares | 18% | 5-30 |
Private equity | 2% | 0-10 |
Property | 6% | 0-15 |
Infrastructure | 6% | 0-20 |
Credit | 8% | 0-25 |
Alternatives (total) | 9% | 0-30 |
- Absolute return | 9% | |
- Thematic opportunities | 0% | |
Fixed Interest | 14% | 0-50 |
Cash | 19% | 0-50 |
Allocation table for Pension
Asset class | Benchmark | Range |
---|---|---|
Australian Shares | 19% | 5-30 |
Overseas Shares | 15% | 5-30 |
Private equity | 2% | 0-10 |
Property | 7% | 0-15 |
Infrastructure | 6% | 0-20 |
Credit | 10% | 0-25 |
Alternatives (total) | 8% | 0-30 |
- Absolute return | 8% | |
- Thematic opportunities | 0% | |
Fixed Interest | 14% | 0-50 |
Cash | 19% | 0-50 |
More about investing
Fees and costs
Each of our investment options has its own set of fees that covers the costs of managing your investments.
See our fee structure
Investment returns
Discover how your investments measure up against their return objectives and industry benchmarks.
Check our performance
Your investment choices
No two CareSuper members are the same so we offer 13 different investment choices.
Explore your choices