Growth Option

The Growth option targets to invest approximately 90% in growth assets and 10% in defensive assets.

Investment objectiveTo achieve a rate of return that exceeds the return on the Cash option by 4% per year over rolling five-year periods.
Suitable forThis option may be most suitable for members:
  • who expect to have five years or more until you need your super as a cash lump sum; or
  • whose most important consideration is high returns and you are willing to accept a higher risk of a negative return in any one year than under the Balanced option.
Risk versus returnThe Growth option has the strongest emphasis on growth assets with a view to achieving higher returns and therefore carries more investment risk. The value of your super may vary significantly up or down over the short term. However, higher investment returns over longer periods are expected.
A negative annual return is anticipated on average two years in every nine years but negative returns may infact be more or less frequent.
Asset mix
Growth assets Range (%) Target (%)
Australian shares 20-50 33
Overseas shares 20-50 32
Property 0-30 14
Private equity 0-30 10
Growth alternatives 0-10 1
Total growth assets 85-95 90
Defensive assets Range (%) Target (%)
Defensive alternatives 0-10 2
Fixed interest 0-15 5
Cash enhanced Balance 3
Cash 0-10 0
Total defensive assets 5-15 10