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 0.22 4.91 -0.82
3 5.65 4.85 5.17
5 6.59 4.7 5.83
7 8.05 4.86 7.27
10 8.43 5.02 7.43
Last month 1.14
Last quarter 6.24

Balanced estimated growth

Year Balanced Return objective Industry median
2010 1 1 1
2011 1.102 1.0655 1.0871
2012 1.1249216 1.11035755 1.09199195
2013 1.3065964384 1.170205821945 1.252842364235
2014 1.4743634210906 1.2405351918439 1.4114522075472
2015 1.6330049251999 1.2964833289961 1.5469516194717
2016 1.7056736443713 1.3487316071546 1.5904209599788
2017 1.9052374607627 1.4158984411909 1.7578922870646
2018 2.0976664442998 1.4886756210681 1.919969955932
2019 2.2419858956676 1.5570058320751 2.053023873878
2020 2.2469182646381 1.63345481843 2.0361890781122

Balanced 20 year annual return

Year Annual return Industry median
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%
2001 10.00% 5.60%

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 -0.43 5.91 -1.18
3 5.96 5.85 5.62
5 6.86 5.69 6.35
7 8.72 5.85 8.16
10 9.01 6.01 7.98
Last month 1.17
Last quarter 7.79

Growth estimated growth

Year Growth Return objective Industry median
2010 1 1 1
2011 1.101 1.0755 1.094
2012 1.0995687 1.13153355 1.083607
2013 1.31959239687 1.203838543845 1.2690121577
2014 1.5214900335911 1.2882276257685 1.4468007609938
2015 1.7007215595481 1.3592089679484 1.6017531224962
2016 1.7522534228025 1.4275771790362 1.6353899380686
2017 1.9921369163841 1.5132318097784 1.8290201067359
2018 2.2218303028432 1.6064468892607 2.0221646300073
2019 2.3802468034359 1.6962472703704 2.1720070290908
2020 2.3700117421811 1.7964954840493 2.1463773461475

Growth 20 year annual return

Year Annual return Industry median
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%
2001 8.30% 4.95%

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 -0.19 5.41 -0.82
3 5.2 5.35 5.17
5 6.49 5.24 5.83
7 7.81 5.53 7.27
10 8.37 5.78 7.43
Last month 1.3
Last quarter 6.73

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2010 1 1 1
2011 1.109 1.0755 1.0871
2012 1.1290729 1.13153355 1.09199195
2013 1.32022494197 1.203838543845 1.252842364235
2014 1.487761487106 1.2882276257685 1.4114522075472
2015 1.6317767990579 1.3592089679484 1.5469516194717
2016 1.7210349899663 1.4240432357195 1.5904209599788
2017 1.9196424278084 1.5022232093605 1.7578922870646
2018 2.1037361366353 1.5870988206894 1.919969955932
2019 2.2394271174482 1.6678821506625 2.053023873878
2020 2.2351722059251 1.7581145750133 2.0361890781122

Alternative Growth 20 year annual return

Year Annual return Industry median
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
2001 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 2.05 4.91 0.37
3 6.6 4.85 5.29
5 6.69 4.69 5.18
7 7.91 4.85 6.73
10 8.24 5.01 7.13
Last month 1.14
Last quarter 6.67

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2010 1 1 1
2011 1.091 1.0655 1.0778
2012 1.1157657 1.11035755 1.08006338
2013 1.29506924799 1.170205821945 1.258381844038
2014 1.454233258568 1.2405351918439 1.4086326362161
2015 1.5966026945818 1.2964833289961 1.5396354713842
2016 1.6660549117961 1.3487316071546 1.5476415758354
2017 1.8219976515402 1.4158984411909 1.679345873939
2018 1.9774140512166 1.4886756210681 1.8246092920348
2019 2.1626977478156 1.5570058320751 1.9587180749993
2020 2.2070330516458 1.63345481843 2.1026838535118

Sustainable Balanced 20 year annual return

Year Annual return Industry median
2020 2.05% 7.35%
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
2001 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 0.15 4.41 0.05
3 4.25 4.35 4.66
5 4.91 4.19 4.67
7 6.07 4.36 5.82
10 6.77 4.51 6.29
Last month 1.01
Last quarter 5.61

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2010 1 1 1
2011 1.085 1.0605 1.077
2012 1.1289425 1.09984455 1.0971399
2013 1.274801871 1.153626948495 1.22067785274
2014 1.399732454358 1.2173071560519 1.3383511977441
2015 1.515350355088 1.2661211730096 1.4357831649399
2016 1.5620231460247 1.3108152504168 1.4762722501912
2017 1.6999497898187 1.3695397736355 1.582563852205
2018 1.8225161696646 1.4329494651548 1.6925520399332
2019 1.9231190622301 1.4915570982797 1.8027371777329
2020 1.9260037408234 1.5573347663138 1.8036385463217

Conservative Balanced 20 year annual return

Year Annual return Industry median
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
2001 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 0.51 3.91 0.65
3 3.71 3.86 3.64
5 4.3 3.7 3.95
7 5.16 3.86 4.62
10 5.93 4.01 5.18
Last month 0.8
Last quarter 3.98

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2010 1 1 1
2011 1.077 1.0555 1.067
2012 1.1325732 1.08938155 1.1103202
2013 1.25104035672 1.137205400045 1.20236574458
2014 1.3513737933289 1.1942931111273 1.2904991536577
2015 1.441510425344 1.2362127993278 1.3635414057547
2016 1.4928281964862 1.2736700471475 1.4093563969881
2017 1.5952362107652 1.3242347480192 1.4837704147491
2018 1.686643245642 1.3787932196376 1.5527657390349
2019 1.7703007506259 1.4282918962226 1.6347517700559
2020 1.7793292844541 1.4841381093649 1.6453776565613

Capital Stable 20 year annual return

Year Annual return Industry median
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%
2001 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 Guaranteed

Capital Guaranteed average returns

Year Capital Guaranteed Return objective Industry median
1 1.58 1.92
3 1.7 2.25
5 1.81 2.19
7 1.94 2.49
10 2.01 2.76
Last month 0.04
Last quarter 0.21

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2010 1 1
2011 1.033 1.0455
2012 1.0572755 1.06860555
2013 1.0667909795 1.104831278145
2014 1.0846063888576 1.1492454955264
2015 1.1161684347734 1.1780915574641
2016 1.1415054582428 1.1989437780313
2017 1.1603402983038 1.2281980062152
2018 1.179369879196 1.2600083345762
2019 1.2016599699128 1.2863425087688
2020 1.2206461974374 1.3110402849372

Capital Guaranteed 20 year annual return

Year Annual return Industry median
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
2001 6.40% 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 3.53 5.91
3 7.54 5.85
5 7.99 5.79
7 11.12 6.21
10 11.19 6.56
Last month 0.86
Last quarter 10.07

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2010 1 1
2011 1.081 1.0855
2012 1.0562451 1.15290955
2013 1.38082921923 1.238109565745
2014 1.6329686346614 1.3372821419612
2015 1.9672373141766 1.4243392094028
2016 1.9595650886513 1.5029627337619
2017 2.323260369105 1.5931404977876
2018 2.6029809175452 1.6912779524513
2019 2.790916139792 1.7858203899933
2020 2.8894354795266 1.8913623750419

Overseas Shares 20 year annual return

Year Annual return Industry median
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
2001 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.

Australian Shares

Australian Shares average returns

Year Australian Shares Return objective Industry median
1 -6.5 5.91
3 5.31 5.85
5 6.06 5.79
7 7.77 6.21
10 8.05 6.56
Last month 1.6
Last quarter 14.63

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2010 1 1
2011 1.116 1.0855
2012 1.0638828 1.15290955
2013 1.28495764584 1.238109565745
2014 1.5017300006932 1.3372821419612
2015 1.6158614807459 1.4243392094028
2016 1.6189316175593 1.5029627337619
2017 1.857238351664 1.5931404977876
2018 2.1530964210841 1.6912779524513
2019 2.319746084076 1.7858203899933
2020 2.1689625886111 1.8913623750419

Australian Shares 20 year annual return

Year Annual return Industry median
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
2001 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.

Direct Property

Direct Property average returns

Year Direct Property Return objective Industry median
1 1.69 4.91
3 7.5 4.85
5 9.72 4.79
7 9.54 5.21
10 8.86 5.56
Last month 1.67
Last quarter 2.25

Direct Property estimated growth

Year Direct Property Return objective Industry median
2010 1 1
2011 1.086 1.0755
2012 1.1659296 1.13153355
2013 1.23460285344 1.203838543845
2014 1.3407786988358 1.2882276257685
2015 1.469627531794 1.3592089679484
2016 1.6655288817821 1.4206452132996
2017 1.8810483190847 1.491393344922
2018 2.1206938749361 1.568050962851
2019 2.2981959522682 1.6400245020458
2020 2.3370354638616 1.7205497050963

Direct Property 20 year annual return

Year Annual return Industry median
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
2001 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.

Fixed Interest

Fixed Interest average returns

Year Fixed Interest Return objective Industry median
1 2.41 1.92
3 3.35 2.25
5 3.17 2.29
7 3.66 2.85
10 4.98 3.3
Last month 0.46
Last quarter 2.01

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2010 1 1
2011 1.07 1.0555
2012 1.191659 1.08938155
2013 1.2636352036 1.137205400045
2014 1.3259324191375 1.1942931111273
2015 1.3905053279495 1.2362127993278
2016 1.4468207937314 1.2642748298726
2017 1.4724295217805 1.2951231357215
2018 1.5039395135466 1.3286668249366
2019 1.5871073686457 1.3564359615778
2020 1.6253566562301 1.3824795320401

Fixed Interest 20 year annual return

Year Annual return Industry median
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
2001 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.

Cash

Cash average returns

Year Cash Return objective Industry median
1 1.13 1.92
3 1.68 1.86
5 1.91 1.71
7 2.17 1.87
10 2.76 2.02
Last month 0.04
Last quarter 0.19

Cash estimated growth

Year Cash Return objective Industry median
2010 1 1
2011 1.049 1.0355
2012 1.093058 1.04802955
2013 1.1301126662 1.073077456245
2014 1.1620948546535 1.1054843954236
2015 1.1944010916128 1.1221772097945
2016 1.2235444782482 1.1336234173344
2017 1.2489942033957 1.155502349289
2018 1.2729748921009 1.1795367981542
2019 1.298434389943 1.1982914332448
2020 1.3131066985493 1.2212986287631

Cash 20 year annual return

Year Annual return Industry median
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
2001 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.

TTR

Balanced

Balanced average returns

Year Balanced Return objective Industry median
1 0.22 4.91
3 5.65 4.85
5 6.86 4.7
7 8.54 4.86
10 9.16 5.02
Last month 1.14
Last quarter 6.24

Balanced estimated growth

Year Balanced Return objective Industry median
2010 1 1
2011 1.115 1.0655
2012 1.1458855 1.11035755
2013 1.35432207245 1.170205821945
2014 1.5443334592147 1.2405351918439
2015 1.7240938738673 1.2964833289961
2016 1.8084020642994 1.3487316071546
2017 2.0375266058462 1.4158984411909
2018 2.2433167930366 1.4886756210681
2019 2.3976569883976 1.5570058320751
2020 2.402931833772 1.63345481843

Balanced 20 year annual return

Year Annual return Industry median
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 -0.43 5.91
3 5.96 5.85
5 7.22 5.69
7 9.33 5.85
10 9.86 6.01
Last month 1.17
Last quarter 7.79

Growth estimated growth

Year Growth Return objective Industry median
2010 1 1
2011 1.12 1.0755
2012 1.122464 1.13153355
2013 1.3714265152 1.203838543845
2014 1.601414741799 1.2882276257685
2015 1.807036394646 1.3592089679484
2016 1.8773301103978 1.4275771790362
2017 2.1529221706042 1.5132318097784
2018 2.4011540968748 1.6064468892607
2019 2.572356383982 1.6962472703704
2020 2.5612952515309 1.7964954840493

Growth 20 year annual return

Year Annual return Industry median
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 -0.19 5.41
3 5.2 5.35
5 6.82 5.24
7 8.19 5.53
10 9.08 5.78
Last month 1.3
Last quarter 6.73

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2010 1 1
2011 1.13 1.0755
2012 1.155877 1.13153355
2013 1.3748001038 1.203838543845
2014 1.5496746770034 1.2882276257685
2015 1.7156448349104 1.3592089679484
2016 1.8165247512032 1.4240432357195
2017 2.0492215718323 1.5022232093605
2018 2.245741920571 1.5870988206894
2019 2.3905922744478 1.6678821506625
2020 2.3860501491264 1.7581145750133

Alternative Growth 20 year annual return

Year Annual return Industry median
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 2.05 4.91
3 6.6 4.85
5 6.9 4.69
7 8.4 4.85
10 9.08 5.01
Last month 1.14
Last quarter 6.67

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2010 1 1
2011 1.109 1.0655
2012 1.1448207 1.11035755
2013 1.35581115501 1.170205821945
2014 1.5404726343224 1.2405351918439
2015 1.7073058206195 1.2964833289961
2016 1.7855004272038 1.3487316071546
2017 1.9679785708641 1.4158984411909
2018 2.1358471429588 1.4886756210681
2019 2.335976020254 1.5570058320751
2020 2.3838635286692 1.63345481843

Sustainable Balanced 20 year annual return

Year Annual return Industry median
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 0.15 4.41
3 4.25 4.35
5 5.19 4.19
7 6.51 4.36
10 7.46 4.51
Last month 1.01
Last quarter 5.61

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2010 1 1
2011 1.1 1.0605
2012 1.14928 1.09984455
2013 1.321327216 1.153626948495
2014 1.4656161479872 1.2173071560519
2015 1.5953231770841 1.2661211730096
2016 1.6554668608601 1.3108152504168
2017 1.8132328527001 1.3695397736355
2018 1.9439669413798 1.4329494651548
2019 2.0512739165439 1.4915570982797
2020 2.0543508274188 1.5573347663138

Conservative Balanced 20 year annual return

Year Annual return Industry median
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 0.51 3.91
3 3.71 3.86
5 4.52 3.7
7 5.58 3.86
10 6.54 4.01
Last month 0.8
Last quarter 3.98

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2010 1 1
2011 1.091 1.0555
2012 1.1538416 1.08938155
2013 1.28930260384 1.137205400045
2014 1.4046951868837 1.1942931111273
2015 1.5107496734934 1.2362127993278
2016 1.5723882601719 1.2736700471475
2017 1.6898456632068 1.3242347480192
2018 1.7866738197085 1.3787932196376
2019 1.8752928411661 1.4282918962226
2020 1.884856834656 1.4841381093649

Capital Stable 20 year annual return

Year Annual return Industry median
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 1.58 1.92
3 1.7 2.25
5 1.95 2.19
7 2.14 2.49
10 2.16 2.76
Last month 0.04
Last quarter 0.21

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2010 1 1
2011 1.033 1.0455
2012 1.0576887 1.06860555
2013 1.06773674265 1.104831278145
2014 1.0873830987148 1.1492454955264
2015 1.1244628623809 1.1780915574641
2016 1.1538113430891 1.1989437780313
2017 1.1772337133538 1.2281980062152
2018 1.1965403462528 1.2600083345762
2019 1.219154958797 1.2863425087688
2020 1.238417607146 1.3110402849372

Capital Guaranteed 20 year annual return

Year Annual return Industry median
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 3.53 5.91
3 7.54 5.85
5 8.41 5.79
7 11.83 6.21
10 12.27 6.56
Last month 0.86
Last quarter 10.07

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2010 1 1
2011 1.096 1.0855
2012 1.0778064 1.15290955
2013 1.45546976256 1.238109565745
2014 1.7448171513569 1.3372821419612
2015 2.1260596989284 1.4243392094028
2016 2.1164924302832 1.5029627337619
2017 2.5596859451845 1.5931404977876
2018 2.8678721329848 1.6912779524513
2019 3.0749325009863 1.7858203899933
2020 3.1834776182711 1.8913623750419

Overseas Shares 20 year annual return

Year Annual return Industry median
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 -6.5 5.91
3 5.31 5.85
5 6.59 5.79
7 8.56 6.21
10 8.97 6.56
Last month 1.6
Last quarter 14.63

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2010 1 1
2011 1.132 1.0855
2012 1.0789092 1.15290955
2013 1.3281372252 1.238109565745
2014 1.5856630331663 1.3372821419612
2015 1.7153702692793 1.4243392094028
2016 1.7371554716991 1.5029627337619
2017 2.0210066757748 1.5931404977876
2018 2.3429530392257 1.6912779524513
2019 2.5242976044618 1.7858203899933
2020 2.3602182601717 1.8913623750419

Australian Shares 20 year annual return

Year Annual return Industry median
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 1.69 4.91
3 7.5 4.85
5 10.4 4.79
7 10.36 5.21
10 9.76 5.56
Last month 1.67
Last quarter 2.25

Direct Property estimated growth

Year Direct Property Return objective Industry median
2010 1 1
2011 1.097 1.0755
2012 1.1888189 1.13153355
2013 1.27227398678 1.203838543845
2014 1.3946667443082 1.2882276257685
2015 1.5469643527867 1.3592089679484
2016 1.7768432556108 1.4206452132996
2017 2.0424813223246 1.491393344922
2018 2.3026934427888 1.568050962851
2019 2.4954288839502 1.6400245020458
2020 2.5376016320889 1.7205497050963

Direct Property 20 year annual return

Year Annual return Industry median
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 2.41 1.92
3 3.35 2.25
5 3.39 2.29
7 4.03 2.85
10 5.56 3.3
Last month 0.46
Last quarter 2.01

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2010 1 1
2011 1.081 1.0555
2012 1.2187194 1.08938155
2013 1.30317665442 1.137205400045
2014 1.3792821710381 1.1942931111273
2015 1.4543151211426 1.2362127993278
2016 1.5223770688121 1.2642748298726
2017 1.5563260774466 1.2951231357215
2018 1.5896314555039 1.3286668249366
2019 1.6775380749933 1.3564359615778
2020 1.7179667426006 1.3824795320401

Fixed Interest 20 year annual return

Year Annual return Industry median
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 1.13 1.92
3 1.68 1.86
5 2.03 1.71
7 2.37 1.87
10 3.14 2.02
Last month 0.04
Last quarter 0.19

Cash estimated growth

Year Cash Return objective Industry median
2010 1 1
2011 1.057 1.0355
2012 1.1105899 1.04802955
2013 1.15667938085 1.073077456245
2014 1.1941557927895 1.1054843954236
2015 1.2326076093174 1.1221772097945
2016 1.2653949717252 1.1336234173344
2017 1.2961440695381 1.155502349289
2018 1.3210300356733 1.1795367981542
2019 1.3474506363867 1.1982914332448
2020 1.3626768285779 1.2212986287631

Cash 20 year annual return

Year Annual return Industry median
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 -0.91 4.91 -0.71
3 5.77 4.85 5.68
5 6.94 4.7 6.36
7 8.59 4.86 8.01
10 9.2 5.02 8.38
Last month 1.36
Last quarter 6.81

Balanced estimated growth

Year Balanced Return objective Industry median
2010 1 1 1
2011 1.115 1.0655 1.1026
2012 1.1458855 1.11035755 1.11561068
2013 1.35432207245 1.170205821945 1.301694541424
2014 1.5443334592147 1.2405351918439 1.4779439823328
2015 1.7240938738673 1.2964833289961 1.6276597077431
2016 1.8084020642994 1.3487316071546 1.6777916267416
2017 2.0375266058462 1.4158984411909 1.8662076264247
2018 2.2634883064345 1.4886756210681 2.051335422966
2019 2.4332499294171 1.5570058320751 2.2144165890918
2020 2.4111073550594 1.63345481843 2.1986942313093

Balanced 20 year annual return

Year Annual return Industry median
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 -1.63 5.91 -1.41
3 6.14 5.85 6.17
5 7.33 5.69 7.03
7 9.41 5.85 9.04
10 9.92 6.01 8.98
Last month 1.47
Last quarter 8.5

Growth estimated growth

Year Growth Return objective Industry median
2010 1 1 1
2011 1.12 1.0755 1.112
2012 1.122464 1.13153355 1.0985448
2013 1.3714265152 1.203838543845 1.3122117636
2014 1.601414741799 1.2882276257685 1.5209846551888
2015 1.807036394646 1.3592089679484 1.6958978905355
2016 1.8773301103978 1.4275771790362 1.7433830314705
2017 2.1529221706042 1.5132318097784 1.9719405468962
2018 2.4237597796662 1.6064468892607 2.2050239195394
2019 2.6171758100835 1.6962472703704 2.3845128665899
2020 2.5745158443792 1.7964954840493 2.350891235171

Growth 20 year annual return

Year Annual return Industry median
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 -1.09 5.41 -0.71
3 5.42 5.35 5.68
5 6.95 5.24 6.36
7 8.29 5.53 8.01
10 9.15 5.78 8.38
Last month 1.6
Last quarter 7.58

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2010 1 1 1
2011 1.13 1.0755 1.1026
2012 1.155877 1.13153355 1.11561068
2013 1.3748001038 1.203838543845 1.301694541424
2014 1.5496746770034 1.2882276257685 1.4779439823328
2015 1.7156448349104 1.3592089679484 1.6276597077431
2016 1.8165247512032 1.4240432357195 1.6777916267416
2017 2.0492215718323 1.5022232093605 1.8662076264247
2018 2.272586723162 1.5870988206894 2.051335422966
2019 2.4273498790093 1.6678821506625 2.2144165890918
2020 2.4008917653281 1.7581145750133 2.1986942313093

Alternative Growth 20 year annual return

Year Annual return Industry median
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 1.06 4.91 0.37
3 7 4.85 5.29
5 7.14 4.69 5.18
7 8.57 4.85 6.73
10 9.2 5.01 7.13
Last month 1.37
Last quarter 7.03

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2010 1 1 1
2011 1.109 1.0655 1.0778
2012 1.1448207 1.11035755 1.08006338
2013 1.35581115501 1.170205821945 1.258381844038
2014 1.5404726343224 1.2405351918439 1.4086326362161
2015 1.7073058206195 1.2964833289961 1.5396354713842
2016 1.7855004272038 1.3487316071546 1.5476415758354
2017 1.9679785708641 1.4158984411909 1.679345873939
2018 2.156904513667 1.4886756210681 1.8246092920348
2019 2.3855363921157 1.5570058320751 1.9587180749993
2020 2.4108230778722 1.63345481843 2.1026838535118

Sustainable Balanced 20 year annual return

Year Annual return Industry median
2020 1.06% 7.35%
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 -0.5 4.41 0.02
3 4.57 4.35 4.89
5 5.38 4.19 5.37
7 6.65 4.36 6.65
10 7.56 4.51 7.24
Last month 1.26
Last quarter 6.37

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2010 1 1 1
2011 1.1 1.0605 1.0913
2012 1.14928 1.09984455 1.12600334
2013 1.321327216 1.153626948495 1.26787976084
2014 1.4656161479872 1.2173071560519 1.4074733225085
2015 1.5953231770841 1.2661211730096 1.5235898716154
2016 1.6554668608601 1.3108152504168 1.5763060811733
2017 1.8132328527001 1.3695397736355 1.7014647840185
2018 1.9639125027595 1.4329494651548 1.8292447892983
2019 2.0837111654278 1.4915570982797 1.9625967344381
2020 2.0732926096007 1.5573347663138 1.962989253785

Conservative Balanced 20 year annual return

Year Annual return Industry median
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 0.23 3.91 0.78
3 4.02 3.86 4.13
5 4.72 3.7 4.44
7 5.71 3.86 5.29
10 6.64 4.01 5.86
Last month 0.98
Last quarter 4.58

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2010 1 1 1
2011 1.091 1.0555 1.0797
2012 1.1538416 1.08938155 1.13141763
2013 1.28930260384 1.137205400045 1.234829201382
2014 1.4046951868837 1.1942931111273 1.3357147471349
2015 1.5107496734934 1.2362127993278 1.420532633578
2016 1.5723882601719 1.2736700471475 1.4722400214402
2017 1.6898456632068 1.3242347480192 1.5588077347009
2018 1.7983337547846 1.3787932196376 1.6393980945849
2019 1.8979614447997 1.4282918962226 1.7431719939722
2020 1.9023267561228 1.4841381093649 1.7567687355251

Capital Stable 20 year annual return

Year Annual return Industry median
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 1.91 1.92
3 2.05 2.25
5 2.16 2.19
7 2.29 2.49
10 2.27 2.76
Last month 0.06
Last quarter 0.27

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2010 1 1
2011 1.033 1.0455
2012 1.0576887 1.06860555
2013 1.06773674265 1.104831278145
2014 1.0873830987148 1.1492454955264
2015 1.1244628623809 1.1780915574641
2016 1.1538113430891 1.1989437780313
2017 1.1772337133538 1.2281980062152
2018 1.2004252175069 1.2600083345762
2019 1.227794912466 1.2863425087688
2020 1.2512457952941 1.3110402849372

Capital Guaranteed 20 year annual return

Year Annual return Industry median
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 3.63 5.91
3 8.54 5.85
5 9.01 5.79
7 12.27 6.21
10 12.59 6.56
Last month 0.93
Last quarter 10.87

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2010 1 1
2011 1.096 1.0855
2012 1.0778064 1.15290955
2013 1.45546976256 1.238109565745
2014 1.7448171513569 1.3372821419612
2015 2.1260596989284 1.4243392094028
2016 2.1164924302832 1.5029627337619
2017 2.5596859451845 1.5931404977876
2018 2.9170181031323 1.6912779524513
2019 3.1585472020717 1.7858203899933
2020 3.2732024655069 1.8913623750419

Overseas Shares 20 year annual return

Year Annual return Industry median
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 -7.67 5.91
3 5.79 5.85
5 6.88 5.79
7 8.77 6.21
10 9.12 6.56
Last month 1.89
Last quarter 16.76

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2010 1 1
2011 1.132 1.0855
2012 1.0789092 1.15290955
2013 1.3281372252 1.238109565745
2014 1.5856630331663 1.3372821419612
2015 1.7153702692793 1.4243392094028
2016 1.7371554716991 1.5029627337619
2017 2.0210066757748 1.5931404977876
2018 2.3819584680681 1.6912779524513
2019 2.5915708132581 1.7858203899933
2020 2.3927973318812 1.8913623750419

Australian Shares 20 year annual return

Year Annual return Industry median
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 1.71 4.91
3 8 4.85
5 10.7 4.79
7 10.58 5.21
10 9.91 5.56
Last month 1.88
Last quarter 2.19

Direct Property estimated growth

Year Direct Property Return objective Industry median
2010 1 1
2011 1.097 1.0755
2012 1.1888189 1.13153355
2013 1.27227398678 1.203838543845
2014 1.3946667443082 1.2882276257685
2015 1.5469643527867 1.3592089679484
2016 1.7768432556108 1.4206452132996
2017 2.0424813223246 1.491393344922
2018 2.3251607373343 1.568050962851
2019 2.529542366146 1.6400245020458
2020 2.5727975406071 1.7205497050963

Direct Property 20 year annual return

Year Annual return Industry median
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 2.78 1.92
3 3.88 2.25
5 3.71 2.29
7 4.26 2.85
10 5.72 3.3
Last month 0.54
Last quarter 2.29

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2010 1 1
2011 1.081 1.0555
2012 1.2187194 1.08938155
2013 1.30317665442 1.137205400045
2014 1.3792821710381 1.1942931111273
2015 1.4543151211426 1.2362127993278
2016 1.5223770688121 1.2642748298726
2017 1.5563260774466 1.2951231357215
2018 1.5952342293827 1.3286668249366
2019 1.6974887434862 1.3564359615778
2020 1.7446789305551 1.3824795320401

Fixed Interest 20 year annual return

Year Annual return Industry median
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 1.27 1.92
3 1.97 1.86
5 2.2 1.71
7 2.49 1.87
10 3.23 2.02
Last month 0.04
Last quarter 0.18

Cash estimated growth

Year Cash Return objective Industry median
2010 1 1
2011 1.057 1.0355
2012 1.1105899 1.04802955
2013 1.15667938085 1.073077456245
2014 1.1941557927895 1.1054843954236
2015 1.2326076093174 1.1221772097945
2016 1.2653949717252 1.1336234173344
2017 1.2961440695381 1.155502349289
2018 1.3254369255097 1.1795367981542
2019 1.3571148680294 1.1982914332448
2020 1.3743502268533 1.2212986287631

Cash 20 year annual return

Year Annual return Industry median
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 June 2020.

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

Managed option 10 yrs (p.a.) 7 yrs (p.a.) 5 yrs (p.a.) 3 yrs (p.a.) 1 yr 3 months Last month
Balanced 8.43% 8.05% 6.59% 5.65% 0.22% 6.24% 1.14%
Growth 9.01% 8.72% 6.86% 5.96% -0.43% 7.79% 1.17%
Alternative Growth 8.37% 7.81% 6.49% 5.20% -0.19% 6.73% 1.30%
Sustainable Balanced 8.24% 7.91% 6.69% 6.60% 2.05% 6.67% 1.14%
Conservative Balanced 6.77% 6.07% 4.91% 4.25% 0.15% 5.61% 1.01%
Capital Stable 5.93% 5.16% 4.30% 3.71% 0.51% 3.98% 0.80%
Capital Guaranteed 2.01% 1.94% 1.81% 1.70% 1.58% 0.21% 0.04%
Asset class option 10 yrs (p.a.) 7 yrs (p.a.) 5 yrs (p.a.) 3 yrs (p.a.) 1 yr 3 months Last month
Overseas Shares 11.19% 11.12% 7.99% 7.54% 3.53% 10.07% 0.86%
Australian Shares 8.05% 7.77% 6.06% 5.31% -6.50% 14.63% 1.60%
Direct Property 8.86% 9.54% 9.72% 7.50% 1.69% 2.25% 1.67%
Fixed Interest 4.98% 3.66% 3.17% 3.35% 2.41% 2.01% 0.46%
Cash 2.76% 2.17% 1.91% 1.68% 1.13% 0.19% 0.04%

All options at a glance

Compound average returns (after investment fees, indirect costs and tax) as at: 30 June 2020.

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

Managed option 10 yrs (p.a.) 7 yrs (p.a.) 5 yrs (p.a.) 3 yrs (p.a.) 1 yr 3 months Last month
Balanced 9.20% 8.59% 6.94% 5.77% -0.91% 6.81% 1.36%
Growth 9.92% 9.41% 7.33% 6.14% -1.63% 8.50% 1.47%
Alternative Growth 9.15% 8.29% 6.95% 5.42% -1.09% 7.58% 1.60%
Sustainable Balanced 9.20% 8.57% 7.14% 7.00% 1.06% 7.03% 1.37%
Conservative Balanced 7.56% 6.65% 5.38% 4.57% -0.50% 6.37% 1.26%
Capital Stable 6.64% 5.71% 4.72% 4.02% 0.23% 4.58% 0.98%
Capital Guaranteed 2.27% 2.29% 2.16% 2.05% 1.91% 0.27% 0.06%
Asset class option 10 yrs (p.a.) 7 yrs (p.a.) 5 yrs (p.a.) 3 yrs (p.a.) 1 yr 3 months Last month
Overseas Shares 12.59% 12.27% 9.01% 8.54% 3.63% 10.87% 0.93%
Australian Shares 9.12% 8.77% 6.88% 5.79% -7.67% 16.76% 1.89%
Direct Property 9.91% 10.58% 10.70% 8.00% 1.71% 2.19% 1.88%
Fixed Interest 5.72% 4.26% 3.71% 3.88% 2.78% 2.29% 0.54%
Cash 3.23% 2.49% 2.20% 1.97% 1.27% 0.18% 0.04%

All options at a glance

Compound average returns (after investment fees, indirect costs and tax) as at: 30 June 2020.

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

Managed option 10 yrs (p.a.) 7 yrs (p.a.) 5 yrs (p.a.) 3 yrs (p.a.) 1 yr 3 months Last month
Balanced 9.16% 8.54% 6.86% 5.65% 0.22% 6.24% 1.14%
Growth 9.86% 9.33% 7.22% 5.96% -0.43% 7.79% 1.17%
Alternative Growth 9.08% 8.19% 6.82% 5.20% -0.19% 6.73% 1.30%
Sustainable Balanced 9.08% 8.40% 6.90% 6.60% 2.05% 6.67% 1.14%
Conservative Balanced 7.46% 6.51% 5.19% 4.25% 0.15% 5.61% 1.01%
Capital Stable 6.54% 5.58% 4.52% 3.71% 0.51% 3.98% 0.80%
Capital Guaranteed 2.16% 2.14% 1.95% 1.70% 1.58% 0.21% 0.04%
Asset class option 10 yrs (p.a.) 7 yrs (p.a.) 5 yrs (p.a.) 3 yrs (p.a.) 1 yr 3 months Last month
Overseas Shares 12.27% 11.83% 8.41% 7.54% 3.53% 10.07% 0.86%
Australian Shares 8.97% 8.56% 6.59% 5.31% -6.50% 14.63% 1.60%
Direct Property 9.76% 10.36% 10.40% 7.50% 1.69% 2.25% 1.67%
Fixed Interest 5.56% 4.03% 3.39% 3.35% 2.41% 2.01% 0.46%
Cash 3.14% 2.37% 2.03% 1.68% 1.13% 0.19% 0.04%