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Choosing the right investment
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Everyone’s different, that’s why you’ve got options for reaching your retirement goals. Which investment options suit you?
If you are in the Accumulation Plan, Beneficiary Account or have a Working Income Stream or Retirement Income Stream (including spouse accounts), you have seven investment options to choose from, each with a different level of risk and potential return.
Because everyone’s circumstances are different you can choose to invest in just one option or as many as you like.
Investment options, risks and potential returns
| Option |
Indicative risk & return |
Invests in |
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Shares Only
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High Risk: 4.5% pa (5% pa for Income Streams) over inflation over 10 years. Chance of negative returns: 5 times every 20 years. |
100% Growth assets (Australian and overseas shares and alternative assets). |
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High Growth
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High Risk: 4.5% pa (5% pa for Income Streams) over inflation over 7 years. Chance of negative returns: 3 times every 20 years. |
95% Growth assets (Australian and overseas shares and alternative assets) and 5% Defensive assets. |
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Growth
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Medium to High Risk: 4% pa (4.5% pa for Income Streams) over inflation over 5 years. Chance of negative returns: 3 times every 20 years. |
80% growth and alternative assets and 20% defensive assets. |
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Balanced
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Medium Risk: 3% pa (3.5% pa for Income Streams) over inflation over 5 years. Chance of negative returns: 2 times every 20 years. |
60% growth and alternative assets and 40% defensive assets. |
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Conservative
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Medium to Low Risk: 2% pa (2.5% pa for Income Streams) over inflation over 3 years. Chance of negative returns: 1 time every 20 years. |
65% defensive assets and 35% growth and alternative assets. |
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Defensive
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Medium to Low Risk: 1.5% pa (2% pa for Income Streams) over inflation over 1 year. Chance of negative returns: 1 time every 20 years |
85% defensive assets and 15% growth and alternative assets. |
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Cash
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Low Risk: 1% (1.5% pa for Income Streams) over inflation over 1 year. Chance of negative returns: 0 times every 20 years. |
100% defensive assets (cash investments). |
To find out more about these options read the investment section in the Product Disclosure Statement, or Investment Options brochure.
If you’re not sure which investment option or combination of options meets your needs and would like more information, talk to an ESSSuper Member Education Consultant or get personal advice from a financial planner.
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