Capital Stable

This option invests in a diversified mix of assets, with an emphasis on fixed interest and cash. It’s designed to provide stability of capital over the medium term combined with the potential for limited capital growth.

4.74%

5.27%

10-year average
annual super return
as at 30 June 2023

10-year average
annual pension return
as at 30 June 2023

For the returns over various time periods see the performance page.

Why you’d invest

Invest in this option if you are seeking long-term capital security, and to earn a rate of return above that of bank bills or from a cash management trust.

The minimum investment timeframe is 3+ years.

Return objective

To achieve returns after tax and fees that exceed the inflation rate by at least 1.0% per year (over rolling 10-year periods).

Risk level

Low to medium

The likelihood of a negative annual return is 1.9 in every 20 years for super and transition to retirement accounts.

The risk level is based on the Standard Risk Measure.

Low to medium

The likelihood of a negative annual return is 1.9 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	12%	0-25
Overseas Shares	12%	0-25
Private equity	1%	0-10
Property	6%	0-15
Infrastructure	6%	0-20
Credit	6%	0-15
Alternatives (total)	9%	0-30
- Absolute return	9%
- Thematic opportunities	0%
Fixed Interest	21%	0-50
Cash	27%	0-60

Allocation table for Pension

Asset class	Benchmark	Range
Australian Shares	13%	0-25
Overseas Shares	10%	0-25
Private equity	1%	0-10
Property	7%	0-15
Infrastructure	6%	0-20
Credit	7%	0-25
Alternatives (total)	9%	0-30
- Absolute return	9%
- Thematic opportunities	0%
Fixed Interest	21%	0-50
Cash	26%	0-60