Investment performance

Use our investment performance tool to track the latest returns for each of our investment options over various time periods. You can also compare how each of our options has performed against their return objectives and industry median.

Superannuation

Balanced

Balanced average returns

Year Balanced Return objective Industry median
1 17.49 6.89 17.85
5 9.13 4.81 8.72
7 8.68 4.66 8
10 9.13 4.82 8.28

Balanced estimated growth

Year Balanced Return objective Industry median
2011 1 1 1
2012 1.0208 1.0421 1.0045
2013 1.1856592 1.09826919 1.15246285
2014 1.33789784128 1.164275168319 1.29836464681
2015 1.4818556490017 1.2167839784102 1.4230076529038
2016 1.5477982253823 1.2658203727401 1.4629941679504
2017 1.728890617752 1.3288582273026 1.6170474538355
2018 1.903508570145 1.3971615401859 1.7661392290792
2019 2.034469959771 1.4612912548805 1.8885326776543
2020 2.0389457936825 1.5330406554951 1.8730467096976
2021 2.3955574129975 1.6386671566587 2.2073855473786

Balanced 20 year annual return

Year Annual return Industry median
2021 17.49% 17.85%
2020 0.22% -0.82%
2019 6.88% 6.93%
2018 10.10% 9.22%
2017 11.70% 10.53%
2016 4.45% 2.81%
2015 10.76% 9.60%
2014 12.84% 12.66%
2013 16.15% 14.73%
2012 2.08% 0.45%
2011 10.20% 8.71%
2010 8.90% 9.79%
2009 -9.50% -12.69%
2008 -4.50% -6.39%
2007 15.65% 15.70%
2006 14.80% 14.49%
2005 14.30% 13.10%
2004 13.10% 13.22%
2003 4.00% 0.10%
2002 2.00% -3.14%

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Growth

Growth average returns

Year Growth Return objective Industry median
1 21.32 7.9 22.21
5 10.41 5.81 9.97
7 9.52 5.65 9.01
10 10.08 5.82 9.28

Growth estimated growth

Year Growth Return objective Industry median
2011 1 1 1
2012 0.9987 1.0521 0.9905
2013 1.19853987 1.11932919 1.15997455
2014 1.38191647011 1.197794166219 1.322486984455
2015 1.544706230289 1.2637926247777 1.4641253404901
2016 1.5915108290667 1.327361393804 1.4948719726404
2017 1.8093886615659 1.4070030774322 1.671864814201
2018 2.0180111742445 1.493674467002 1.8484137385807
2019 2.1618953709681 1.5771708697075 1.9853811966095
2020 2.152599220873 1.6703816681072 1.9619536984895
2021 2.6115333747631 1.8023418198876 2.397703614924

Growth 20 year annual return

Year Annual return Industry median
2021 21.32% 22.21%
2020 -0.43% -1.18%
2019 7.13% 7.41%
2018 11.53% 10.56%
2017 13.69% 11.84%
2016 3.03% 2.10%
2015 11.78% 10.71%
2014 15.30% 14.01%
2013 20.01% 17.11%
2012 -0.13% -0.95%
2011 10.10% 9.40%
2010 10.20% 10.12%
2009 -10.20% -15.71%
2008 -9.31% -8.80%
2007 16.25% 17.27%
2006 17.99% 16.88%
2005 15.02% 13.27%
2004 16.23% 14.42%
2003 -1.24% -2.18%
2002 -3.20% -6.33%

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Alternative Growth

Alternative Growth average returns

Year Alternative Growth Return objective Industry median
1 15.47 7.4 17.85
5 8.44 5.31 8.72
7 8.19 5.26 8
10 8.81 5.54 8.28

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2011 1 1 1
2012 1.0181 1.0521 1.0045
2013 1.19046433 1.11932919 1.15246285
2014 1.341534253477 1.197794166219 1.29836464681
2015 1.4713947692136 1.2637926247777 1.4230076529038
2016 1.5518800630896 1.3240755329796 1.4629941679504
2017 1.7309670223701 1.3967672797401 1.6170474538355
2018 1.8969667598154 1.4756846310455 1.7661392290792
2019 2.0193211158235 1.5507969787657 1.8885326776543
2020 2.0154844057034 1.6346950953169 1.8730467096976
2021 2.3272798432657 1.7556625323703 2.2073855473786

Alternative Growth 20 year annual return

Year Annual return Industry median
2021 15.47% 17.85%
2020 -0.19% -0.82%
2019 6.45% 6.93%
2018 9.59% 9.22%
2017 11.54% 10.53%
2016 5.47% 2.81%
2015 9.68% 9.60%
2014 12.69% 12.66%
2013 16.93% 14.73%
2012 1.81% 0.45%
2011 10.90% 8.71%
2010 9.60% 9.79%
2009 -7.90% -12.69%
2008 -5.38% -6.39%
2007 14.04% 15.70%
2006 14.33% 14.49%
2005 n/a n/a
2004 n/a n/a
2003 n/a n/a
2002 n/a n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Sustainable Balanced

Sustainable Balanced average returns

Year Sustainable Balanced Return objective Industry median
1 16.76 6.89 17.68
5 9.12 4.81 8.3
7 8.52 4.65 7.29
10 8.98 4.82 8.1

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2011 1 1 1
2012 1.0227 1.0421 1.0021
2013 1.18704789 1.09826919 1.16754671
2014 1.332936075681 1.164275168319 1.306951787174
2015 1.4634305174902 1.2167839784102 1.4284983033812
2016 1.527089745001 1.2658203727401 1.4359264945588
2017 1.6700253451331 1.3288582273026 1.5581238392457
2018 1.8124785070729 1.3971615401859 1.6929015513405
2019 1.9823077431857 1.4612912548805 1.817329815364
2020 2.022945051921 1.5330406554951 1.8240539356808
2021 2.3619906426229 1.6386671566587 2.1465466715092

Sustainable Balanced 20 year annual return

Year Annual return Industry median
2021 16.76% 17.68%
2020 2.05% 0.37%
2019 9.37% 7.35%
2018 8.53% 8.65%
2017 9.36% 8.51%
2016 4.35% 0.52%
2015 9.79% 9.30%
2014 12.29% 11.94%
2013 16.07% 16.51%
2012 2.27% 0.21%
2011 9.10% 7.78%
2010 9.30% 8.60%
2009 -10.10% -10.66%
2008 -7.16% n/a
2007 12.62% n/a
2006 16.58% n/a
2005 11.86% n/a
2004 11.64% n/a
2003 2.12% n/a
2002 n/a n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Conservative Balanced

Conservative Balanced average returns

Year Conservative Balanced Return objective Industry median
1 11.4 6.38 12.61
5 6.56 4.31 6.66
7 6.29 4.15 6.31
10 7.06 4.32 6.72

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2011 1 1 1
2012 1.0405 1.0371 1.0187
2013 1.1749326 1.08781419 1.13340562
2014 1.2900759948 1.147861533288 1.242665921768
2015 1.3966362719705 1.1938907807728 1.3331320008727
2016 1.4396526691472 1.2360351253341 1.3707263232973
2017 1.5667739998329 1.2914094989491 1.4694186185747
2018 1.6797384052208 1.3512017587504 1.5715432125657
2019 1.772459965189 1.4064659106833 1.6738506757037
2020 1.7751186551368 1.4684910573445 1.6746876010415
2021 1.9774821818224 1.562180786803 1.8858657075329

Conservative Balanced 20 year annual return

Year Annual return Industry median
2021 11.40% 12.61%
2020 0.15% 0.05%
2019 5.52% 6.51%
2018 7.21% 6.95%
2017 8.83% 7.20%
2016 3.08% 2.82%
2015 8.26% 7.28%
2014 9.80% 9.64%
2013 12.92% 11.26%
2012 4.05% 1.87%
2011 8.50% 7.70%
2010 9.30% 9.49%
2009 -4.30% -9.26%
2008 -3.04% -3.73%
2007 10.81% 11.55%
2006 11.25% 11.13%
2005 n/a n/a
2004 n/a n/a
2003 n/a n/a
2002 n/a n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Capital Stable

Capital Stable average returns

Year Capital Stable Return objective Industry median
1 8.22 5.87 7.61
5 5.22 3.81 4.64
7 5.19 3.65 4.75
10 5.98 3.82 5.29

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2011 1 1 1
2012 1.0516 1.0321 1.0406
2013 1.16159736 1.07740919 1.12686574
2014 1.254757468272 1.131495131338 1.209464998742
2015 1.3384497914057 1.171210610448 1.2779207176708
2016 1.3860986039798 1.2066982919445 1.3208588537845
2017 1.4811849682128 1.2546042141347 1.3906002012644
2018 1.5660568668914 1.3062939077571 1.4552631106232
2019 1.6437332874892 1.3531898590456 1.5321010028641
2020 1.6521163272554 1.4060995825342 1.5420596593827
2021 1.7879202893558 1.488637628029 1.6594103994617

Capital Stable 20 year annual return

Year Annual return Industry median
2021 8.22% 7.61%
2020 0.51% 0.65%
2019 4.96% 5.28%
2018 5.73% 4.65%
2017 6.86% 5.28%
2016 3.56% 3.36%
2015 6.67% 5.66%
2014 8.02% 7.33%
2013 10.46% 8.29%
2012 5.16% 4.06%
2011 7.70% 6.70%
2010 9.10% 8.50%
2009 -2.20% -3.44%
2008 -0.70% -0.29%
2007 9.10% 8.61%
2006 9.01% 8.04%
2005 11.28% 9.03%
2004 8.48% 6.99%
2003 5.36% 4.05%
2002 3.20% 1.07%

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Capital Guaranteed

Capital Guaranteed average returns

Year Capital Guaranteed Return objective Industry median
1 0.42 3.85
5 1.44 2.14
7 1.76 2.14
10 1.73 2.46

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2011 1 1
2012 1.0235 1.0221
2013 1.0327115 1.05674919
2014 1.04995778205 1.099230507438
2015 1.0805115535077 1.1268211931747
2016 1.1050391657723 1.1467659282939
2017 1.1232723120075 1.1747470169443
2018 1.1416939779244 1.2051729646831
2019 1.1632719941072 1.230361079645
2020 1.1816516916141 1.2539840123742
2021 1.1866146287189 1.3022623968506

Capital Guaranteed 20 year annual return

Year Annual return Industry median
2021 0.42% n/a
2020 1.58% n/a
2019 1.89% n/a
2018 1.64% n/a
2017 1.65% n/a
2016 2.27% n/a
2015 2.91% n/a
2014 1.67% n/a
2013 0.90% n/a
2012 2.35% n/a
2011 3.30% n/a
2010 2.70% n/a
2009 4.00% n/a
2008 6.64% n/a
2007 6.97% n/a
2006 5.75% n/a
2005 4.90% n/a
2004 4.04% n/a
2003 4.94% n/a
2002 6.00% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Overseas Shares

Overseas Shares average returns

Year Overseas Shares Return objective Industry median
1 29.47 7.9
5 13.81 5.81
7 12.57 5.86
10 13.22 6.26

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2011 1 1
2012 0.9771 1.0621
2013 1.27736283 1.14058919
2014 1.510609282758 1.231950384119
2015 1.8198310029386 1.3121503541251
2016 1.8127336620271 1.3845810536729
2017 2.1491770296993 1.4676559168932
2018 2.4079379440751 1.5580635213738
2019 2.5817910636374 1.6451592722186
2020 2.6729282881838 1.7423881852068
2021 3.4606402547115 1.8800368518381

Overseas Shares 20 year annual return

Year Annual return Industry median
2021 29.47% n/a
2020 3.53% n/a
2019 7.22% n/a
2018 12.04% n/a
2017 18.56% n/a
2016 -0.39% n/a
2015 20.47% n/a
2014 18.26% n/a
2013 30.73% n/a
2012 -2.29% n/a
2011 8.10% n/a
2010 9.50% n/a
2009 -8.80% n/a
2008 -16.33% n/a
2007 8.95% n/a
2006 18.52% n/a
2005 3.78% n/a
2004 16.64% n/a
2003 -12.59% n/a
2002 -13.70% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Australian Shares

Australian Shares average returns

Year Australian Shares Return objective Industry median
1 27.82 7.9
5 11.36 5.81
7 9.15 5.86
10 9.53 6.26

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2011 1 1
2012 0.9533 1.0621
2013 1.15139574 1.14058919
2014 1.345636201338 1.231950384119
2015 1.4479045526397 1.3121503541251
2016 1.4506555712897 1.3845810536729
2017 1.6641920713835 1.4676559168932
2018 1.9292978683549 1.5580635213738
2019 2.0786255233656 1.6451592722186
2020 1.9435148643469 1.7423881852068
2021 2.4842006996082 1.8800368518381

Australian Shares 20 year annual return

Year Annual return Industry median
2021 27.82% n/a
2020 -6.50% n/a
2019 7.74% n/a
2018 15.93% n/a
2017 14.72% n/a
2016 0.19% n/a
2015 7.60% n/a
2014 16.87% n/a
2013 20.78% n/a
2012 -4.67% n/a
2011 11.60% n/a
2010 11.70% n/a
2009 -14.20% n/a
2008 -13.96% n/a
2007 26.75% n/a
2006 22.29% n/a
2005 26.03% n/a
2004 21.40% n/a
2003 0.76% n/a
2002 0.10% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Direct Property

Direct Property average returns

Year Direct Property Return objective Industry median
1 7.5 6.89
5 8.57 4.81
7 9.38 4.87
10 8.75 5.26

Direct Property estimated growth

Year Direct Property Return objective Industry median
2011 1 1
2012 1.0736 1.0521
2013 1.13683504 1.11932919
2014 1.23460285344 1.197794166219
2015 1.3532481876556 1.2637926247777
2016 1.5336361710701 1.3209160514176
2017 1.7320886916065 1.3866976707782
2018 1.9527567909172 1.4579739310562
2019 2.116202534317 1.5248949344917
2020 2.1519663571469 1.5997672757752
2021 2.313363833933 1.7099912410762

Direct Property 20 year annual return

Year Annual return Industry median
2021 7.50% n/a
2020 1.69% n/a
2019 8.37% n/a
2018 12.74% n/a
2017 12.94% n/a
2016 13.33% n/a
2015 9.61% n/a
2014 8.60% n/a
2013 5.89% n/a
2012 7.36% n/a
2011 8.60% n/a
2010 4.30% n/a
2009 -11.80% n/a
2008 8.93% n/a
2007 12.56% n/a
2006 16.17% n/a
2005 11.07% n/a
2004 10.53% n/a
2003 9.15% n/a
2002 7.98% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Fixed Interest

Fixed Interest average returns

Year Fixed Interest Return objective Industry median
1 1.15 3.85
5 2.59 2.14
7 3.12 2.35
10 4.39 2.9

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2011 1 1
2012 1.1137 1.0321
2013 1.18096748 1.07740919
2014 1.239189176764 1.131495131338
2015 1.2995376896724 1.171210610448
2016 1.3521689661041 1.1977970913051
2017 1.3761023568042 1.227023340333
2018 1.4055509472398 1.2588032448476
2019 1.4832779146222 1.2851122326649
2020 1.5190249123645 1.3097863875321
2021 1.5364936988567 1.3602131634521

Fixed Interest 20 year annual return

Year Annual return Industry median
2021 1.15% n/a
2020 2.41% n/a
2019 5.53% n/a
2018 2.14% n/a
2017 1.77% n/a
2016 4.05% n/a
2015 4.87% n/a
2014 4.93% n/a
2013 6.04% n/a
2012 11.37% n/a
2011 7.00% n/a
2010 11.00% n/a
2009 4.40% n/a
2008 5.29% n/a
2007 3.15% n/a
2006 2.85% n/a
2005 9.27% n/a
2004 4.04% n/a
2003 11.20% n/a
2002 4.66% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Cash

Cash average returns

Year Cash Return objective Industry median
1 0.16 3.85
5 1.46 1.81
7 1.78 1.66
10 2.29 1.82

Cash estimated growth

Year Cash Return objective Industry median
2011 1 1
2012 1.042 1.0121
2013 1.0773238 1.03628919
2014 1.10781206354 1.067585123538
2015 1.1386092389064 1.0837056589034
2016 1.1663913043357 1.0947594566242
2017 1.1906522434659 1.1158883141371
2018 1.2135127665405 1.1390987910711
2019 1.2377830218713 1.1572104618492
2020 1.2517699700184 1.1794289027167
2021 1.2537728019704 1.2248369154713

Cash 20 year annual return

Year Annual return Industry median
2021 0.16% n/a
2020 1.13% n/a
2019 2.00% n/a
2018 1.92% n/a
2017 2.08% n/a
2016 2.44% n/a
2015 2.78% n/a
2014 2.83% n/a
2013 3.39% n/a
2012 4.20% n/a
2011 4.90% n/a
2010 4.00% n/a
2009 3.10% n/a
2008 4.37% n/a
2007 5.58% n/a
2006 4.97% n/a
2005 4.80% n/a
2004 4.46% n/a
2003 4.42% n/a
2002 3.57% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

TTR

Balanced

Balanced average returns

Year Balanced Return objective Industry median
1 17.49 6.89
5 9.32 4.81
7 9 4.66
10 9.74 4.82

Balanced estimated growth

Year Balanced Return objective Industry median
2011 1 1
2012 1.0277 1.0421
2013 1.21463863 1.09826919
2014 1.385052429789 1.164275168319
2015 1.5462725326164 1.2167839784102
2016 1.6218852594614 1.2658203727401
2017 1.8273781218351 1.3288582273026
2018 2.0119433121405 1.3971615401859
2019 2.1503650120158 1.4612912548805
2020 2.1550958150422 1.5330406554951
2021 2.5320220730931 1.6386671566587

Balanced 20 year annual return

Year Annual return Industry median
2021 17.49% n/a
2020 0.22% n/a
2019 6.88% n/a
2018 10.10% n/a
2017 12.67% n/a
2016 4.89% n/a
2015 11.64% n/a
2014 14.03% n/a
2013 18.19% n/a
2012 2.77% n/a
2011 11.50% n/a
2010 11.60% n/a
2009 -8.30% n/a
2008 -6.50% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Growth

Growth average returns

Year Growth Return objective Industry median
1 21.32 7.9
5 10.6 5.81
7 9.93 5.65
10 10.74 5.82

Growth estimated growth

Year Growth Return objective Industry median
2011 1 1
2012 1.0022 1.0521
2013 1.22448796 1.11932919
2014 1.429834590892 1.197794166219
2015 1.6134253523625 1.2637926247777
2016 1.6761875985694 1.327361393804
2017 1.9222519380394 1.4070030774322
2018 2.1438875864954 1.493674467002
2019 2.2967467714125 1.5771708697075
2020 2.2868707602954 1.6703816681072
2021 2.7744316063904 1.8023418198876

Growth 20 year annual return

Year Annual return Industry median
2021 21.32% n/a
2020 -0.43% n/a
2019 7.13% n/a
2018 11.53% n/a
2017 14.68% n/a
2016 3.89% n/a
2015 12.84% n/a
2014 16.77% n/a
2013 22.18% n/a
2012 0.22% n/a
2011 12.00% n/a
2010 11.70% n/a
2009 -11.40% n/a
2008 -10.45% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Alternative Growth

Alternative Growth average returns

Year Alternative Growth Return objective Industry median
1 15.47 7.4
5 8.69 5.31
7 8.57 5.26
10 9.32 5.54

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2011 1 1
2012 1.0229 1.0521
2013 1.21663726 1.11932919
2014 1.371393519472 1.197794166219
2015 1.5182697654075 1.2637926247777
2016 1.6075440276134 1.3240755329796
2017 1.8134704175507 1.3967672797401
2018 1.9873822305938 1.4756846310455
2019 2.1155683844671 1.5507969787657
2020 2.1115488045366 1.6346950953169
2021 2.4382054045984 1.7556625323703

Alternative Growth 20 year annual return

Year Annual return Industry median
2021 15.47% n/a
2020 -0.19% n/a
2019 6.45% n/a
2018 9.59% n/a
2017 12.81% n/a
2016 5.88% n/a
2015 10.71% n/a
2014 12.72% n/a
2013 18.94% n/a
2012 2.29% n/a
2011 13.00% n/a
2010 11.10% n/a
2009 -8.80% n/a
2008 -6.01% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Sustainable Balanced

Sustainable Balanced average returns

Year Sustainable Balanced Return objective Industry median
1 16.76 6.89
5 9.29 4.81
7 8.82 4.65
10 9.64 4.82

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2011 1 1
2012 1.0323 1.0421
2013 1.22255289 1.09826919
2014 1.389064593618 1.164275168319
2015 1.5395002891068 1.2167839784102
2016 1.6100094023479 1.2658203727401
2017 1.7745523632679 1.3288582273026
2018 1.9259216798546 1.3971615401859
2019 2.106380541257 1.4612912548805
2020 2.1495613423528 1.5330406554951
2021 2.5098278233311 1.6386671566587

Sustainable Balanced 20 year annual return

Year Annual return Industry median
2021 16.76% n/a
2020 2.05% n/a
2019 9.37% n/a
2018 8.53% n/a
2017 10.22% n/a
2016 4.58% n/a
2015 10.83% n/a
2014 13.62% n/a
2013 18.43% n/a
2012 3.23% n/a
2011 10.90% n/a
2010 10.80% n/a
2009 -11.40% n/a
2008 -7.98% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Conservative Balanced

Conservative Balanced average returns

Year Conservative Balanced Return objective Industry median
1 11.4 6.38
5 6.69 4.31
7 6.57 4.15
10 7.6 4.32

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2011 1 1
2012 1.0448 1.0371
2013 1.20120656 1.08781419
2014 1.332378316352 1.147861533288
2015 1.4502937973492 1.1938907807728
2016 1.5049698735092 1.2360351253341
2017 1.6483935024546 1.2914094989491
2018 1.7672426739816 1.3512017587504
2019 1.8647944695854 1.4064659106833
2020 1.8675916612898 1.4684910573445
2021 2.0804971106768 1.562180786803

Conservative Balanced 20 year annual return

Year Annual return Industry median
2021 11.40% n/a
2020 0.15% n/a
2019 5.52% n/a
2018 7.21% n/a
2017 9.53% n/a
2016 3.77% n/a
2015 8.85% n/a
2014 10.92% n/a
2013 14.97% n/a
2012 4.48% n/a
2011 10.00% n/a
2010 10.80% n/a
2009 -4.70% n/a
2008 -3.29% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Capital Stable

Capital Stable average returns

Year Capital Stable Return objective Industry median
1 8.22 5.87
5 5.34 3.81
7 5.47 3.65
10 6.46 3.82

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2011 1 1
2012 1.0576 1.0321
2013 1.18176224 1.07740919
2014 1.28752996048 1.131495131338
2015 1.3847384724962 1.171210610448
2016 1.4412358021741 1.2066982919445
2017 1.5488961165965 1.2546042141347
2018 1.6376478640775 1.3062939077571
2019 1.7188751981357 1.3531898590456
2020 1.7276414616462 1.4060995825342
2021 1.8696535897935 1.488637628029

Capital Stable 20 year annual return

Year Annual return Industry median
2021 8.22% n/a
2020 0.51% n/a
2019 4.96% n/a
2018 5.73% n/a
2017 7.47% n/a
2016 4.08% n/a
2015 7.55% n/a
2014 8.95% n/a
2013 11.74% n/a
2012 5.76% n/a
2011 9.10% n/a
2010 10.50% n/a
2009 -2.40% n/a
2008 -0.62% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Capital Guaranteed

Capital Guaranteed average returns

Year Capital Guaranteed Return objective Industry median
1 0.42 3.85
5 1.51 2.14
7 1.94 2.14
10 1.87 2.46

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2011 1 1
2012 1.0239 1.0221
2013 1.03362705 1.05674919
2014 1.05264578772 1.099230507438
2015 1.0885410090813 1.1268211931747
2016 1.1169519294183 1.1467659282939
2017 1.1396260535855 1.1747470169443
2018 1.1583159208643 1.2051729646831
2019 1.1802080917686 1.230361079645
2020 1.1988553796185 1.2539840123742
2021 1.2038905722129 1.3022623968506

Capital Guaranteed 20 year annual return

Year Annual return Industry median
2021 0.42% n/a
2020 1.58% n/a
2019 1.89% n/a
2018 1.64% n/a
2017 2.03% n/a
2016 2.61% n/a
2015 3.41% n/a
2014 1.84% n/a
2013 0.95% n/a
2012 2.39% n/a
2011 3.30% n/a
2010 2.80% n/a
2009 4.00% n/a
2008 6.64% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Overseas Shares

Overseas Shares average returns

Year Overseas Shares Return objective Industry median
1 29.47 7.9
5 14.26 5.81
7 13.07 5.86
10 14.16 6.26

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2011 1 1
2012 0.9834 1.0621
2013 1.32798336 1.14058919
2014 1.591986451968 1.231950384119
2015 1.939835491723 1.3121503541251
2016 1.9311062320103 1.3845810536729
2017 2.3354798769932 1.4676559168932
2018 2.6166716541832 1.5580635213738
2019 2.8055953476152 1.6451592722186
2020 2.904632863386 1.7423881852068
2021 3.7606281682259 1.8800368518381

Overseas Shares 20 year annual return

Year Annual return Industry median
2021 29.47% n/a
2020 3.53% n/a
2019 7.22% n/a
2018 12.04% n/a
2017 20.94% n/a
2016 -0.45% n/a
2015 21.85% n/a
2014 19.88% n/a
2013 35.04% n/a
2012 -1.66% n/a
2011 9.60% n/a
2010 10.80% n/a
2009 -9.90% n/a
2008 -18.20% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Australian Shares

Australian Shares average returns

Year Australian Shares Return objective Industry median
1 27.82 7.9
5 11.67 5.81
7 9.62 5.86
10 10.3 6.26

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2011 1 1
2012 0.9531 1.0621
2013 1.1732661 1.14058919
2014 1.40076239679 1.231950384119
2015 1.5153447608474 1.3121503541251
2016 1.5345896393102 1.3845810536729
2017 1.7853415863735 1.4676559168932
2018 2.0697465010828 1.5580635213738
2019 2.2299448802666 1.6451592722186
2020 2.0849984630492 1.7423881852068
2021 2.6650450354695 1.8800368518381

Australian Shares 20 year annual return

Year Annual return Industry median
2021 27.82% n/a
2020 -6.50% n/a
2019 7.74% n/a
2018 15.93% n/a
2017 16.34% n/a
2016 1.27% n/a
2015 8.18% n/a
2014 19.39% n/a
2013 23.10% n/a
2012 -4.69% n/a
2011 13.20% n/a
2010 13.40% n/a
2009 -16.10% n/a
2008 -15.80% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Direct Property

Direct Property average returns

Year Direct Property Return objective Industry median
1 7.5 6.89
5 8.95 4.81
7 10.06 4.87
10 9.54 5.26

Direct Property estimated growth

Year Direct Property Return objective Industry median
2011 1 1
2012 1.0837 1.0521
2013 1.15977574 1.11932919
2014 1.271346166188 1.197794166219
2015 1.4101771675357 1.2637926247777
2016 1.6197294946315 1.3209160514176
2017 1.861879054079 1.3866976707782
2018 2.0990824455686 1.4579739310562
2019 2.2747756462627 1.5248949344917
2020 2.3132193546845 1.5997672757752
2021 2.4867108062859 1.7099912410762

Direct Property 20 year annual return

Year Annual return Industry median
2021 7.50% n/a
2020 1.69% n/a
2019 8.37% n/a
2018 12.74% n/a
2017 14.95% n/a
2016 14.86% n/a
2015 10.92% n/a
2014 9.62% n/a
2013 7.02% n/a
2012 8.37% n/a
2011 9.70% n/a
2010 5.10% n/a
2009 -13.40% n/a
2008 10.20% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Fixed Interest

Fixed Interest average returns

Year Fixed Interest Return objective Industry median
1 1.15 3.85
5 2.68 2.14
7 3.36 2.35
10 4.86 2.9

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2011 1 1
2012 1.1274 1.0321
2013 1.20552882 1.07740919
2014 1.275931703088 1.131495131338
2015 1.345342387736 1.171210610448
2016 1.408304411482 1.1977970913051
2017 1.4397095998581 1.227023340333
2018 1.470519385295 1.2588032448476
2019 1.5518391073019 1.2851122326649
2020 1.5892384297878 1.3097863875321
2021 1.6075146717304 1.3602131634521

Fixed Interest 20 year annual return

Year Annual return Industry median
2021 1.15% n/a
2020 2.41% n/a
2019 5.53% n/a
2018 2.14% n/a
2017 2.23% n/a
2016 4.68% n/a
2015 5.44% n/a
2014 5.84% n/a
2013 6.93% n/a
2012 12.74% n/a
2011 8.10% n/a
2010 12.80% n/a
2009 4.91% n/a
2008 6.25% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Cash

Cash average returns

Year Cash Return objective Industry median
1 0.16 3.85
5 1.53 1.81
7 1.93 1.66
10 2.59 1.82

Cash estimated growth

Year Cash Return objective Industry median
2011 1 1
2012 1.0507 1.0121
2013 1.09430405 1.03628919
2014 1.12975950122 1.067585123538
2015 1.1661377571593 1.0837056589034
2016 1.1971570214997 1.0947594566242
2017 1.2262479371222 1.1158883141371
2018 1.2497918975149 1.1390987910711
2019 1.2747877354652 1.1572104618492
2020 1.289192836876 1.1794289027167
2021 1.291255545415 1.2248369154713

Cash 20 year annual return

Year Annual return Industry median
2021 0.16% n/a
2020 1.13% n/a
2019 2.00% n/a
2018 1.92% n/a
2017 2.43% n/a
2016 2.66% n/a
2015 3.22% n/a
2014 3.24% n/a
2013 4.15% n/a
2012 5.07% n/a
2011 5.70% n/a
2010 4.70% n/a
2009 3.70% n/a
2008 5.16% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Pension

Balanced

Balanced average returns

Year Balanced Return objective Industry median
1 18.92 6.89 19.46
5 9.66 4.81 9.4
7 9.24 4.66 8.68
10 9.91 4.82 9.23

Balanced estimated growth

Year Balanced Return objective Industry median
2011 1 1 1
2012 1.0277 1.0421 1.0118
2013 1.21463863 1.09826919 1.18056824
2014 1.385052429789 1.164275168319 1.340417179696
2015 1.5462725326164 1.2167839784102 1.4762014399992
2016 1.6218852594614 1.2658203727401 1.5216684443512
2017 1.8273781218351 1.3288582273026 1.6925518106518
2018 2.0300343555467 1.3971615401859 1.8604529502685
2019 2.1822869322127 1.4612912548805 2.0083589598148
2020 2.1624281211295 1.5330406554951 1.9940996112001
2021 2.5715595216472 1.6386671566587 2.3821513955397

Balanced 20 year annual return

Year Annual return Industry median
2021 18.92% 19.46%
2020 -0.91% -0.71%
2019 7.50% 7.95%
2018 11.09% 9.92%
2017 12.67% 11.23%
2016 4.89% 3.08%
2015 11.64% 10.13%
2014 14.03% 13.54%
2013 18.19% 16.68%
2012 2.77% 1.18%
2011 11.50% 10.26%
2010 11.60% 11.02%
2009 -8.30% -13.48%
2008 -6.50% -8.52%

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Growth

Growth average returns

Year Growth Return objective Industry median
1 23.3 7.9 24.05
5 11.08 5.81 10.73
7 10.27 5.65 9.78
10 10.98 5.82 10.25

Growth estimated growth

Year Growth Return objective Industry median
2011 1 1 1
2012 1.0022 1.0521 0.9879
2013 1.22448796 1.11932919 1.18004655
2014 1.429834590892 1.197794166219 1.367791956105
2015 1.6134253523625 1.2637926247777 1.5250880310571
2016 1.6761875985694 1.327361393804 1.5677904959267
2017 1.9222519380394 1.4070030774322 1.7733278299427
2018 2.1640712318448 1.493674467002 1.9829351794419
2019 2.336764116146 1.5771708697075 2.1443461030485
2020 2.2986748610528 1.6703816681072 2.1141108229955
2021 2.8342661036781 1.8023418198876 2.6225544759259

Growth 20 year annual return

Year Annual return Industry median
2021 23.30% 24.05%
2020 -1.63% -1.41%
2019 7.98% 8.14%
2018 12.58% 11.82%
2017 14.68% 13.11%
2016 3.89% 2.80%
2015 12.84% 11.50%
2014 16.77% 15.91%
2013 22.18% 19.45%
2012 0.22% -1.21%
2011 12.00% 11.20%
2010 11.70% 11.77%
2009 -11.40% -16.56%
2008 -10.45% -12.09%

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Alternative Growth

Alternative Growth average returns

Year Alternative Growth Return objective Industry median
1 16.53 7.4 19.46
5 9.02 5.31 9.4
7 8.81 5.26 8.68
10 9.49 5.54 9.23

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2011 1 1 1
2012 1.0229 1.0521 1.0118
2013 1.21663726 1.11932919 1.18056824
2014 1.371393519472 1.197794166219 1.340417179696
2015 1.5182697654075 1.2637926247777 1.4762014399992
2016 1.6075440276134 1.3240755329796 1.5216684443512
2017 1.8134704175507 1.3967672797401 1.6925518106518
2018 2.0111386930637 1.4756846310455 1.8604529502685
2019 2.1480972380614 1.5507969787657 2.0083589598148
2020 2.1246829781665 1.6346950953169 1.9940996112001
2021 2.4758930744574 1.7556625323703 2.3821513955397

Alternative Growth 20 year annual return

Year Annual return Industry median
2021 16.53% 19.46%
2020 -1.09% -0.71%
2019 6.81% 7.95%
2018 10.90% 9.92%
2017 12.81% 11.23%
2016 5.88% 3.08%
2015 10.71% 10.13%
2014 12.72% 13.54%
2013 18.94% 16.68%
2012 2.29% 1.18%
2011 13.00% 10.26%
2010 11.10% 11.02%
2009 -8.80% -13.48%
2008 -6.01% -8.52%

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Sustainable Balanced

Sustainable Balanced average returns

Year Sustainable Balanced Return objective Industry median
1 19.42 6.89 17.68
5 10.03 4.81 8.3
7 9.34 4.65 7.29
10 10.01 4.82 8.1

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2011 1 1 1
2012 1.0323 1.0421 1.0021
2013 1.22255289 1.09826919 1.16754671
2014 1.389064593618 1.164275168319 1.306951787174
2015 1.5395002891068 1.2167839784102 1.4284983033812
2016 1.6100094023479 1.2658203727401 1.4359264945588
2017 1.7745523632679 1.3288582273026 1.5581238392457
2018 1.9449093901416 1.3971615401859 1.6929015513405
2019 2.1510697854966 1.4612912548805 1.817329815364
2020 2.1738711252229 1.5330406554951 1.8240539356808
2021 2.5960368977412 1.6386671566587 2.1465466715092

Sustainable Balanced 20 year annual return

Year Annual return Industry median
2021 19.42% 17.68%
2020 1.06% 0.37%
2019 10.60% 7.35%
2018 9.60% 8.65%
2017 10.22% 8.51%
2016 4.58% 0.52%
2015 10.83% 9.30%
2014 13.62% 11.94%
2013 18.43% 16.51%
2012 3.23% 0.21%
2011 10.90% 7.78%
2010 10.80% 8.60%
2009 -11.40% -10.66%
2008 -7.98% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Conservative Balanced

Conservative Balanced average returns

Year Conservative Balanced Return objective Industry median
1 12.85 6.38 13.68
5 7.16 4.31 7.5
7 6.91 4.15 7.05
10 7.84 4.32 7.73

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2011 1 1 1
2012 1.0448 1.0371 1.0318
2013 1.20120656 1.08781419 1.1618068
2014 1.332378316352 1.147861533288 1.28972172868
2015 1.4502937973492 1.1938907807728 1.3961237712961
2016 1.5049698735092 1.2360351253341 1.4444296537829
2017 1.6483935024546 1.2914094989491 1.5591173682933
2018 1.7853750025086 1.3512017587504 1.6762070826521
2019 1.8942828776616 1.4064659106833 1.7984025789775
2020 1.8848114632733 1.4684910573445 1.7987622594933
2021 2.127009736304 1.562180786803 2.044832936592

Conservative Balanced 20 year annual return

Year Annual return Industry median
2021 12.85% 13.68%
2020 -0.50% 0.02%
2019 6.10% 7.29%
2018 8.31% 7.51%
2017 9.53% 7.94%
2016 3.77% 3.46%
2015 8.85% 8.25%
2014 10.92% 11.01%
2013 14.97% 12.60%
2012 4.48% 3.18%
2011 10.00% 9.13%
2010 10.80% 10.54%
2009 -4.70% -7.95%
2008 -3.29% -5.23%

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Capital Stable

Capital Stable average returns

Year Capital Stable Return objective Industry median
1 8.72 5.87 8.49
5 5.63 3.81 5.3
7 5.68 3.65 5.2
10 6.61 3.82 5.86

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2011 1 1 1
2012 1.0576 1.0321 1.0479
2013 1.18176224 1.07740919 1.14367806
2014 1.28752996048 1.131495131338 1.237116557502
2015 1.3847384724962 1.171210610448 1.3156734589034
2016 1.4412358021741 1.2066982919445 1.3635639728075
2017 1.5488961165965 1.2546042141347 1.4437415344085
2018 1.648335247282 1.3062939077571 1.5183829717375
2019 1.7396530199814 1.3531898590456 1.6144966138484
2020 1.7436542219274 1.4060995825342 1.6270896874365
2021 1.8957008700794 1.488637628029 1.7652296018998

Capital Stable 20 year annual return

Year Annual return Industry median
2021 8.72% 8.49%
2020 0.23% 0.78%
2019 5.54% 6.33%
2018 6.42% 5.17%
2017 7.47% 5.88%
2016 4.08% 3.64%
2015 7.55% 6.35%
2014 8.95% 8.17%
2013 11.74% 9.14%
2012 5.76% 4.79%
2011 9.10% 7.97%
2010 10.50% 9.32%
2009 -2.40% -3.72%
2008 -0.62% -0.83%

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Capital Guaranteed

Capital Guaranteed average returns

Year Capital Guaranteed Return objective Industry median
1 0.55 3.85
5 1.75 2.14
7 2.11 2.14
10 1.99 2.46

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2011 1 1
2012 1.0239 1.0221
2013 1.03362705 1.05674919
2014 1.05264578772 1.099230507438
2015 1.0885410090813 1.1268211931747
2016 1.1169519294183 1.1467659282939
2017 1.1396260535855 1.1747470169443
2018 1.1620766868411 1.2051729646831
2019 1.1885720353011 1.230361079645
2020 1.2112737611753 1.2539840123742
2021 1.2179357668618 1.3022623968506

Capital Guaranteed 20 year annual return

Year Annual return Industry median
2021 0.55% n/a
2020 1.91% n/a
2019 2.28% n/a
2018 1.97% n/a
2017 2.03% n/a
2016 2.61% n/a
2015 3.41% n/a
2014 1.84% n/a
2013 0.95% n/a
2012 2.39% n/a
2011 3.30% n/a
2010 2.80% n/a
2009 4.00% n/a
2008 6.64% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Overseas Shares

Overseas Shares average returns

Year Overseas Shares Return objective Industry median
1 32.36 7.9
5 15.4 5.81
7 13.87 5.86
10 14.73 6.26

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2011 1 1
2012 0.9834 1.0621
2013 1.32798336 1.14058919
2014 1.591986451968 1.231950384119
2015 1.939835491723 1.3121503541251
2016 1.9311062320103 1.3845810536729
2017 2.3354798769932 1.4676559168932
2018 2.6615128678215 1.5580635213738
2019 2.8818861332771 1.6451592722186
2020 2.986498599915 1.7423881852068
2021 3.9529295468475 1.8800368518381

Overseas Shares 20 year annual return

Year Annual return Industry median
2021 32.36% n/a
2020 3.63% n/a
2019 8.28% n/a
2018 13.96% n/a
2017 20.94% n/a
2016 -0.45% n/a
2015 21.85% n/a
2014 19.88% n/a
2013 35.04% n/a
2012 -1.66% n/a
2011 9.60% n/a
2010 10.80% n/a
2009 -9.90% n/a
2008 -18.20% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Australian Shares

Australian Shares average returns

Year Australian Shares Return objective Industry median
1 32.32 7.9
5 12.76 5.81
7 10.38 5.86
10 10.83 6.26

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2011 1 1
2012 0.9531 1.0621
2013 1.1732661 1.14058919
2014 1.40076239679 1.231950384119
2015 1.5153447608474 1.3121503541251
2016 1.5345896393102 1.3845810536729
2017 1.7853415863735 1.4676559168932
2018 2.1042035936998 1.5580635213738
2019 2.2893735099453 1.6451592722186
2020 2.1137785617325 1.7423881852068
2021 2.7969517928845 1.8800368518381

Australian Shares 20 year annual return

Year Annual return Industry median
2021 32.32% n/a
2020 -7.67% n/a
2019 8.80% n/a
2018 17.86% n/a
2017 16.34% n/a
2016 1.27% n/a
2015 8.18% n/a
2014 19.39% n/a
2013 23.10% n/a
2012 -4.69% n/a
2011 13.20% n/a
2010 13.40% n/a
2009 -16.10% n/a
2008 -15.80% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Direct Property

Direct Property average returns

Year Direct Property Return objective Industry median
1 7.6 6.89
5 9.27 4.81
7 10.29 4.87
10 9.7 5.26

Direct Property estimated growth

Year Direct Property Return objective Industry median
2011 1 1
2012 1.0837 1.0521
2013 1.15977574 1.11932919
2014 1.271346166188 1.197794166219
2015 1.4101771675357 1.2637926247777
2016 1.6197294946315 1.3209160514176
2017 1.861879054079 1.3866976707782
2018 2.1195631151635 1.4579739310562
2019 2.3058727129864 1.5248949344917
2020 2.3453031363784 1.5997672757752
2021 2.5235461747432 1.7099912410762

Direct Property 20 year annual return

Year Annual return Industry median
2021 7.60% n/a
2020 1.71% n/a
2019 8.79% n/a
2018 13.84% n/a
2017 14.95% n/a
2016 14.86% n/a
2015 10.92% n/a
2014 9.62% n/a
2013 7.02% n/a
2012 8.37% n/a
2011 9.70% n/a
2010 5.10% n/a
2009 -13.40% n/a
2008 10.20% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Fixed Interest

Fixed Interest average returns

Year Fixed Interest Return objective Industry median
1 1.45 3.85
5 3.06 2.14
7 3.63 2.35
10 5.05 2.9

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2011 1 1
2012 1.1274 1.0321
2013 1.20552882 1.07740919
2014 1.275931703088 1.131495131338
2015 1.345342387736 1.171210610448
2016 1.408304411482 1.1977970913051
2017 1.4397095998581 1.227023340333
2018 1.4757023398545 1.2588032448476
2019 1.5702948598392 1.2851122326649
2020 1.6139490569427 1.3097863875321
2021 1.6373513182684 1.3602131634521

Fixed Interest 20 year annual return

Year Annual return Industry median
2021 1.45% n/a
2020 2.78% n/a
2019 6.41% n/a
2018 2.50% n/a
2017 2.23% n/a
2016 4.68% n/a
2015 5.44% n/a
2014 5.84% n/a
2013 6.93% n/a
2012 12.74% n/a
2011 8.10% n/a
2010 12.80% n/a
2009 4.91% n/a
2008 6.25% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

Cash

Cash average returns

Year Cash Return objective Industry median
1 0.26 3.85
5 1.72 1.81
7 2.07 1.66
10 2.69 1.82

Cash estimated growth

Year Cash Return objective Industry median
2011 1 1
2012 1.0507 1.0121
2013 1.09430405 1.03628919
2014 1.12975950122 1.067585123538
2015 1.1661377571593 1.0837056589034
2016 1.1971570214997 1.0947594566242
2017 1.2262479371222 1.1158883141371
2018 1.2539611405011 1.1390987910711
2019 1.2839308117591 1.1572104618492
2020 1.3002367330684 1.1794289027167
2021 1.3036173485744 1.2248369154713

Cash 20 year annual return

Year Annual return Industry median
2021 0.26% n/a
2020 1.27% n/a
2019 2.39% n/a
2018 2.26% n/a
2017 2.43% n/a
2016 2.66% n/a
2015 3.22% n/a
2014 3.24% n/a
2013 4.15% n/a
2012 5.07% n/a
2011 5.70% n/a
2010 4.70% n/a
2009 3.70% n/a
2008 5.16% n/a

The industry median return is based on the relevant SuperRatings Fund Crediting Rate Surveys for each option as at 30 June for each particular year. The investment option returns shown above are net of investment fees, indirect costs and tax as at 30 June for each particular year. They may differ from your actual returns. Your net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.

All options at a glance

Compound average returns (after investment fees, indirect costs and tax) as at: 30 September 2021.

For information on the latest FYTD returns, see unit prices.

Managed option 10 years (p.a.) 7 years (p.a.) 5 years (p.a.) 1 year 3 months Last month
Balanced 9.82% 8.66% 8.76% 17.00% 1.80% -0.60%
Growth 11.03% 9.54% 9.98% 20.84% 2.12% -0.85%
Alternative Growth 9.49% 8.17% 7.98% 14.90% 1.33% -0.63%
Sustainable Balanced 9.68% 8.61% 9.10% 17.01% 2.48% -0.93%
Conservative Balanced 7.42% 6.22% 6.18% 10.71% 0.97% -0.67%
Capital Stable 6.15% 5.10% 4.92% 7.65% 0.69% -0.50%
Capital Guaranteed 1.64% 1.70% 1.38% 0.43% 0.10% 0.03%
Asset class option 10 years (p.a.) 7 years (p.a.) 5 years (p.a.) 1 year 3 months Last month
Overseas Shares 14.38% 12.10% 12.93% 23.41% 0.71% -2.78%
Australian Shares 11.01% 9.62% 10.79% 32.16% 3.14% -0.71%
Direct Property 8.72% 9.27% 8.20% 9.01% 1.59% 0.93%
Fixed Interest 4.03% 2.93% 2.42% 0.34% 0.02% -0.70%
Cash 2.18% 1.70% 1.35% 0.16% 0.05% 0.01%

All options at a glance

Compound average returns (after investment fees, indirect costs and tax) as at: 30 September 2021.

For information on the latest FYTD returns, see unit prices.

Managed option 10 years (p.a.) 7 years (p.a.) 5 years (p.a.) 1 year 3 months Last month
Balanced 10.70% 9.28% 9.29% 18.63% 2.15% -0.45%
Growth 12.06% 10.32% 10.64% 23.09% 2.49% -0.67%
Alternative Growth 10.25% 8.82% 8.57% 16.12% 1.58% -0.53%
Sustainable Balanced 10.78% 9.44% 9.99% 19.26% 2.58% -0.82%
Conservative Balanced 8.25% 6.85% 6.80% 12.35% 1.19% -0.59%
Capital Stable 6.80% 5.59% 5.33% 8.26% 0.86% -0.46%
Capital Guaranteed 1.91% 2.03% 1.67% 0.54% 0.13% 0.04%
Asset class option 10 years (p.a.) 7 years (p.a.) 5 years (p.a.) 1 year 3 months Last month
Overseas Shares 16.07% 13.34% 14.47% 25.84% 0.76% -2.98%
Australian Shares 12.46% 10.89% 12.07% 35.97% 3.53% -0.82%
Direct Property 9.66% 10.16% 8.87% 8.70% 1.83% 1.09%
Fixed Interest 4.64% 3.41% 2.87% 0.39% 0.02% -0.82%
Cash 2.56% 1.97% 1.60% 0.19% 0.05% 0.02%

All options at a glance

Compound average returns (after investment fees, indirect costs and tax) as at: 30 September 2021.

For information on the latest FYTD returns, see unit prices.

Managed option 10 years (p.a.) 7 years (p.a.) 5 years (p.a.) 1 year 3 months Last month
Balanced 10.49% 8.98% 8.87% 17.00% 1.80% -0.60%
Growth 11.78% 9.92% 10.09% 20.84% 2.12% -0.85%
Alternative Growth 10.05% 8.54% 8.18% 14.90% 1.33% -0.63%
Sustainable Balanced 10.39% 8.90% 9.23% 17.01% 2.48% -0.93%
Conservative Balanced 7.99% 6.48% 6.28% 10.71% 0.97% -0.67%
Capital Stable 6.64% 5.36% 5.01% 7.65% 0.69% -0.50%
Capital Guaranteed 1.79% 1.86% 1.43% 0.43% 0.10% 0.03%
Asset class option 10 years (p.a.) 7 years (p.a.) 5 years (p.a.) 1 year 3 months Last month
Overseas Shares 15.49% 12.53% 13.33% 23.41% 0.71% -2.78%
Australian Shares 11.88% 10.07% 10.91% 32.16% 3.14% -0.71%
Direct Property 9.48% 9.89% 8.50% 9.01% 1.59% 0.93%
Fixed Interest 4.45% 3.14% 2.50% 0.34% 0.02% -0.70%
Cash 2.47% 1.83% 1.41% 0.16% 0.05% 0.01%