The Indexed Balanced investment option is focused on minimising investment fees and costs from investing in a portfolio that has a bias to growth assets.
If you want low investment costs, choose our award winning Indexed Balanced option - one of several indexed options available.
Rather than being actively managed, the Indexed Balanced option uses a passive, diversified portfolio that has a bias towards growth assets. The aim is to deliver broad market returns but with lower investment costs.
We also offer other low cost options with different levels of exposure to growth assets:
Awards and ratings are only one factor to be taken into account when choosing a super fund.
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* Investment costs are based on estimated and actual information from the previous financial year. The costs payable in future years may be higher or lower. Administration and other fees also apply. For a full breakdown of fees and costs, see our Fees and Costs Guide for your product.
^ Investment return over 10 years to 31 May 2026, net of investment fees and costs. Administration and other costs apply. Returns won’t display for options younger than 10 years. See the investment returns page for returns over all available periods.
With a bias to growth assets, this Indexed investment option is designed for members with a medium to long-term investment timeframe, who are seeking moderate long-term returns and have a high tolerance of negative returns.
Read our Investment Guide for your product, for more information about these terms.
| Asset class | Target | Range |
|---|---|---|
| Australian shares | 32% | 20-60% |
| International shares (developed markets) | 39% | 20–60% |
| International shares (emerging markets) | 4% | 0–15% |
| Property | 0% | 0-10% |
| Infrastructure | 0% | 0-10% |
| Private equity | 0% | 0-10% |
| Credit | 0% | 0-10% |
| Alternatives | 0% | 0-10% |
| Bonds | 20% | 10–35% |
| Cash | 5% | 0–20% |
This table shows the 12-month net returns for our Indexed Balanced option at 30 June each year. The net return is the money the investment has earned, minus investment costs and taxes.1
| Year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Return | 18.88% | -5.67% | 12.34% | 12.18% | 12.02% |
This table shows the average net returns for our Indexed Balanced option over 3, 5 and 10 years to 30 June 2025.1
| Year | 3 years | 5 years | 10 years |
|---|---|---|---|
| Average return (p.a.) | 12.17% | 9.62% | 7.83% |
1. Administration and other fees also apply. For a full breakdown of fees and costs, see our Fees and Costs Guide for your product. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.
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