Get a bit hands-on with our DIY Mix options. Pick where you want to invest to create a portfolio that’s just right for you.
Australian Shares
Primarily invests in a wide range of shares in listed companies in Australia. May also include shares in unlisted companies in Australia and listed companies in New Zealand.
Designed to have strong long-term capital growth with likely short-term fluctuations.
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Current asset allocation*
AS AT SEPTEMBER 30 2024 -
Performance snapshot to 30 September 2024^
5 YEARS AVERAGE RETURN PER ANNUM9.73%1 YEAR RETURN19.58% -
Investment objectives
To beat the S&P/ASX 200 Accumulation Index (adjusted for franking credits) over the medium to long term.#
Minimum investment timeframe
# Index level returns, adjusted for implied superannuation tax (where applicable).
At least 12 years. -
Risk level for time invested
SHORT TERM LESS THAN 5 YEARS
MEDIUM TERM 5 TO 20 YEARS
LONG TERM MORE THAN 20 YEARS
ESTIMATED NUMBER OF NEGATIVE ANNUAL RETURNS OVER ANY 20-YEAR PERIOD
About 6 in every 20 years
International Shares
Invests in a wide range of companies listed on overseas securities exchanges across the world.
Designed to have strong long-term capital growth with likely short-term fluctuations.
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Current asset allocation*
AS AT SEPTEMBER 30 2024 -
Performance snapshot to 30 September 2024^
5 YEARS AVERAGE RETURN PER ANNUM10.79%1 YEAR RETURN18.94% -
Investment objectives
To beat the MSCI All Country World ex Australia Index (unhedged) over the medium to long term.#
Minimum investment timeframe
At least 12 years.# Index level returns, adjusted for implied superannuation tax (where applicable).
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Risk level for time invested
SHORT TERM LESS THAN 5 YEARS
MEDIUM TERM 5 TO 20 YEARS
LONG TERM MORE THAN 20 YEARS
ESTIMATED NUMBER OF NEGATIVE ANNUAL RETURNS OVER ANY 20-YEAR PERIOD
About 6 in every 20 years
Diversified Fixed Interest
Invests in a wide range of Australian and international bonds and loans by actively investing in the fixed interest, credit and cash asset classes.
Aims to outperform a mix of Australian and international bond indices over the medium-term.
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Current asset allocation*
AS AT SEPTEMBER 30 2024 -
Performance snapshot to 30 September 2024^
5 YEARS AVERAGE RETURN PER ANNUM0.49%1 YEAR RETURN4.79% -
Investment objectives
To beat a composite of 50% Bloomberg Global Aggregate Total Return Index hedged to AUD and 50% Bloomberg AusBond Composite 0+ Year Index over the medium term.#
Minimum investment timeframe
# Index level returns, adjusted for implied superannuation tax (where applicable).
At least 3 years. -
Risk level for time invested
SHORT TERM LESS THAN 5 YEARS
MEDIUM TERM 5 TO 20 YEARS
LONG TERM MORE THAN 20 YEARS
ESTIMATED NUMBER OF NEGATIVE ANNUAL RETURNS OVER ANY 20-YEAR PERIOD
About 2 in every 20 years
Cash
Invests in short-term money market securities and some short-term bonds.
Designed to have stable returns.
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Current asset allocation*
AS AT SEPTEMBER 30 2024 -
Performance snapshot to 30 September 2024^
5 YEARS AVERAGE RETURN PER ANNUM1.74%1 YEAR RETURN4.13% -
Investment objectives
To beat the return of the Bloomberg AusBond Bank Bill Index over one year#.
Minimum investment timeframe
# Index level returns, adjusted for implied superannuation tax (where applicable).
At least 1 year. -
Risk level for time invested
SHORT TERM LESS THAN 5 YEARS
MEDIUM TERM 5 TO 20 YEARS
LONG TERM MORE THAN 20 YEARS
ESTIMATED NUMBER OF NEGATIVE ANNUAL RETURNS OVER ANY 20-YEAR PERIOD
Less than 0.5 in every 20 years
* The table shows current asset allocations for Super options. Option asset allocations for Super and Choice Income accounts may have slight differences at any given time. This is a result of different amounts of member transaction activity each day. The Fund attempts to minimise these asset allocation differences.
Current asset allocation data will be published approximately 45 days after the end of each quarter. This is to protect members’ interests by not revealing our investment strategy with a frequency and timeliness that could be detrimental to members’ returns.
Growth asset allocation includes 100% of Australian shares, International shares, Private equity and Other assets. Property, Infrastructure and Credit are classified as 50% growth and 50% defensive. Defensive asset allocation includes 100% of Fixed interest and Cash.
^ The investment returns shown are for the super (accumulation) product for periods to 30 September 2024. AustralianSuper investment returns are based on crediting rates, which are returns less investment fees and costs, transaction costs, the percentage-based administration fee deducted from returns from 1 April 2020 to 2 September 2022 and taxes. Investment returns aren’t guaranteed. Past performance isn’t a reliable indicator of future returns. You can find the investment performance for other periods and for the Choice Income product here.
Ready to make your choice?
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If you can’t make your choice online, call us on 1300 300 273, 8am-8pm AEST/AEDT weekdays.
If you don’t make a choice at all when you join, we invest your money in our Balanced option, which is our default option.