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.

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Superannuation

Balanced

Balanced average returns

Year Balanced Return objective Industry median
1 8.54 6.81 8.87
5 6.5 6.88 6.15
7 7.06 6.29 6.71
10 7.62 5.74 6.98

Balanced estimated growth

Year Balanced Return objective Industry median
2014 1 1 1
2015 1.1076 1.0451 1.096
2016 1.1568882 1.08721753 1.1267976
2017 1.2922441194 1.141360962994 1.24544938728
2018 1.4227607754594 1.2000269164919 1.3602798207872
2019 1.520646716811 1.2551081519589 1.4545472123678
2020 1.523992139588 1.31673396222 1.4426199252264
2021 1.7905383648019 1.407456932217 1.7001275818793
2022 1.7604573202733 1.5384911726064 1.6416431930626
2023 1.919778707758 1.6774169254928 1.7902119020348
2024 2.0837278094005 1.7916490181188 1.9490036977453

Balanced 20 year annual return

Year Annual return Industry median
2024 8.54% 8.87%
2023 9.05% 9.05%
2022 -1.68% -3.44%
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 -09.50% -12.69%
2008 -4.50% -6.39%
2007 15.65% 15.70%
2006 14.80% 14.49%
2005 14.30% 13.10%

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 10.1 7.81 10.73
5 7.54 7.88 7.5
7 8.04 7.29 8.07
10 8.45 6.74 8.1

Growth estimated growth

Year Growth Return objective Industry median
2014 1 1 1
2015 1.1178 1.0551 1.1071
2016 1.15166934 1.10817153 1.1303491
2017 1.309332872646 1.1746618218 1.26418243344
2018 1.4602989528621 1.2470209900229 1.3976800984113
2019 1.5644182682012 1.3167294633652 1.5012481937035
2020 1.5576912696479 1.39454817465 1.4835334650178
2021 1.8897910483368 1.5047174804474 1.8130262475983
2022 1.8295067138949 1.6607566831698 1.7379669609477
2023 2.0435589994206 1.8273305784917 1.9322716671817
2024 2.249958458362 1.9700450966719 2.1396044170703

Growth 20 year annual return

Year Annual return Industry median
2024 10.10% 10.73%
2023 11.70% 11.18%
2022 -3.19% -4.14%
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 -09.31% -8.80%
2007 16.25% 17.27%
2006 17.99% 16.88%
2005 15.02% 13.27%

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 8.34 7.31 8.87
5 6.18 7.38 6.15
7 6.7 6.79 6.71
10 7.34 6.32 6.98

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2014 1 1 1
2015 1.0968 1.0551 1.096
2016 1.15679496 1.10542827 1.1267976
2017 1.290289098384 1.166116282023 1.24544938728
2018 1.414027822919 1.2320018519573 1.3602798207872
2019 1.5052326174973 1.2947107462219 1.4545472123678
2020 1.5023726755241 1.3647545975925 1.4426199252264
2021 1.7347897284276 1.4657464378144 1.7001275818793
2022 1.7196970577903 1.6099758872953 1.6416431930626
2023 1.874813732403 1.7634065893546 1.7902119020348
2024 2.0311731976854 1.8923116110364 1.9490036977453

Alternative Growth 20 year annual return

Year Annual return Industry median
2024 8.34% 8.87%
2023 9.02% 9.05%
2022 -0.87% -3.44%
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

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 7.55 6.81 8.29
5 6.79 6.88 5.71
7 7.4 6.29 6.69
10 7.52 5.74 6.95

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2014 1 1 1
2015 1.0979 1.0451 1.093
2016 1.14565865 1.08721753 1.0986836
2017 1.25289229964 1.141360962994 1.19218157436
2018 1.3597640127993 1.2000269164919 1.2953052805421
2019 1.4871739007986 1.2551081519589 1.390510218662
2020 1.517660965765 1.31673396222 1.395655106471
2021 1.7720209436272 1.407456932217 1.6424069292951
2022 1.7590851907387 1.5384911726064 1.56587076639
2023 1.9205692112485 1.6774169254928 1.7113401605876
2024 2.0655721866978 1.7916490181188 1.8532102599003

Sustainable Balanced 20 year annual return

Year Annual return Industry median
2024 7.55% 8.29%
2023 9.18% 9.29%
2022 -0.73% -4.66%
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

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 7.52 5.81 7.27
5 4.7 6.08 4.79
7 5.17 5.58 5.35
10 5.63 5.09 5.71

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2014 1 1 1
2015 1.0826 1.0401 1.0728
2016 1.11594408 1.07681553 1.10305296
2017 1.214481942264 1.125056865744 1.18247277312
2018 1.3020460903012 1.1771469986279 1.2646546308518
2019 1.3739190344859 1.2252923108718 1.3469836473203
2020 1.3759799130376 1.2793277017813 1.347657139144
2021 1.5328416231239 1.3609488091549 1.51759670439
2022 1.4917614676242 1.4733631807911 1.4757110353488
2023 1.6076713336586 1.5916742442086 1.5779778100985
2024 1.7285682179497 1.6841505177972 1.6926967968927

Conservative Balanced 20 year annual return

Year Annual return Industry median
2024 7.52% 7.27%
2023 7.77% 6.93%
2022 -2.68% -2.76%
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% -09.26%
2008 -3.04% -3.73%
2007 10.81% 11.55%
2006 11.25% 11.13%
2005 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 6.4 4.81 5.67
5 3.62 4.87 3.24
7 4.11 4.28 3.85
10 4.58 3.74 4.28

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2014 1 1 1
2015 1.0667 1.0351 1.0566
2016 1.10467452 1.06646353 1.09210176
2017 1.180455192072 1.108802132141 1.149764732928
2018 1.2480952745777 1.1544847799852 1.2032287930092
2019 1.3100008001968 1.1959307835867 1.26675927328
2020 1.3166818042778 1.2426916772249 1.2749932085564
2021 1.4249130485894 1.315637678678 1.3720201917275
2022 1.3938499441302 1.4173364712398 1.3386801010685
2023 1.4706510760517 1.5240619075242 1.400660989748
2024 1.5647727449191 1.5973692852761 1.4800784678667

Capital Stable 20 year annual return

Year Annual return Industry median
2024 6.40% 5.67%
2023 5.51% 4.63%
2022 -2.18% -2.43%
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% 7.34%
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%

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 16.37 0
5 9.73 0
7 9.69 0
10 10.52 0

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2014 1 1
2015 1.2047 1.0651
2016 1.20000167 1.12389352
2017 1.422721979952 1.1913271312
2018 1.5940177063382 1.2647128824819
2019 1.7091057847358 1.3354103326127
2020 1.769437218937 1.4143330832701
2021 2.2908903673578 1.5260653968484
2022 1.9836819690951 1.5413260508169
2023 2.3365789913971 1.5567393113251
2024 2.7190769722888 1.5723067044383

Overseas Shares 20 year annual return

Year Annual return Industry median
2024 16.37% n/a
2023 17.79% n/a
2022 -13.41% n/a
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

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 11.37 0
5 8.19 0
7 9.2 0
10 8.64 0

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2014 1 1
2015 1.076 1.0651
2016 1.0780444 1.12389352
2017 1.23673253568 1.1913271312
2018 1.4337440286138 1.2647128824819
2019 1.5447158164285 1.3354103326127
2020 1.4443092883607 1.4143330832701
2021 1.8461161323826 1.5260653968484
2022 1.7879634742126 1.5413260508169
2023 2.0561579953445 1.5567393113251
2024 2.2899431594151 1.5723067044383

Australian Shares 20 year annual return

Year Annual return Industry median
2024 11.37% n/a
2023 15.00% n/a
2022 -3.15% n/a
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

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 -5.09 0
5 2.89 0
7 5.02 0
10 7.05 0

Direct Property estimated growth

Year Direct Property Return objective Industry median
2014 1 1
2015 1.0961 1.0551
2016 1.24221013 1.10279052
2017 1.402952120822 1.157709487896
2018 1.5816882210147 1.2172157555739
2019 1.7140755251137 1.2730859587547
2020 1.7430434014881 1.3355944793295
2021 1.8737716565997 1.4276169389554
2022 2.1286046018972 1.4418931083449
2023 2.0822010215759 1.4563120394284
2024 1.9762169895777 1.4708751598226

Direct Property 20 year annual return

Year Annual return Industry median
2024 -5.09% n/a
2023 -2.18% n/a
2022 13.60% n/a
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

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 3.45 0
5 0.35 0
7 1.33 0
10 1.99 0

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2014 1 1
2015 1.0487 1.0351
2016 1.09117235 1.05859677
2017 1.110486100595 1.084426531188
2018 1.1342505031477 1.1125131783458
2019 1.1969745559718 1.1357647037732
2020 1.2258216427707 1.1575713860856
2021 1.2399185916626 1.2021378844499
2022 1.1642835575712 1.2141592632944
2023 1.1775563901275 1.2263008559274
2024 1.2181820855869 1.2385638644867

Fixed Interest 20 year annual return

Year Annual return Industry median
2024 3.45% n/a
2023 1.14% n/a
2022 -6.10% n/a
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

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 4.02 0
5 1.62 0
7 1.71 0
10 1.93 0

Cash estimated growth

Year Cash Return objective Industry median
2014 1 1
2015 1.0278 1.0151
2016 1.05287832 1.02545402
2017 1.074778189056 1.045245282586
2018 1.0954139302859 1.0669863844638
2019 1.1173222088916 1.0839514679768
2020 1.1299479498521 1.1047633361619
2021 1.1317558665718 1.1472967246042
2022 1.1345852562383 1.1587696918502
2023 1.1637440973236 1.1703573887687
2024 1.210526610036 1.1820609626564

Cash 20 year annual return

Year Annual return Industry median
2024 4.02% n/a
2023 2.57% n/a
2022 0.25% n/a
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

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 3.35 3.75
5 1.48 1.41
7 1.56 1.47
10 1.77 1.6

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2014 1 1
2015 1.0291 1.0251
2016 1.05246057 1.04324427
2017 1.069826169405 1.068699430188
2018 1.0873713185832 1.0963787454299
2019 1.1079226365045 1.1192930612094
2020 1.1254278141612 1.1407834879846
2021 1.1301546109807 1.184703652272
2022 1.1341101521191 1.1858883559243
2023 1.1535034357204 1.2152983871512
2024 1.192145800817 1.2608720766693

Capital Guaranteed 20 year annual return

Year Annual return Industry median
2024 3.35% n/a
2023 1.71% n/a
2022 0.35% n/a
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

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 8.54 6.81
5 6.5 6.88
7 7.06 6.29
10 7.84 5.74

Balanced estimated growth

Year Balanced Return objective Industry median
2014 1 1
2015 1.1164 1.0451
2016 1.17099196 1.08721753
2017 1.319356641332 1.141360962994
2018 1.4526116621065 1.2000269164919
2019 1.5525513444595 1.2551081519589
2020 1.5559669574173 1.31673396222
2021 1.8281055782696 1.407456932217
2022 1.7973934045546 1.5384911726064
2023 1.9600575076668 1.6774169254928
2024 2.1274464188216 1.7916490181188

Balanced 20 year annual return

Year Annual return Industry median
2024 8.54% n/a
2023 9.05% n/a
2022 -1.68% n/a
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 10.1 7.81
5 7.54 7.88
7 8.04 7.29
10 8.73 6.74

Growth estimated growth

Year Growth Return objective Industry median
2014 1 1
2015 1.1284 1.0551
2016 1.17229476 1.10817153
2017 1.344387630768 1.1746618218
2018 1.4993955245956 1.2470209900229
2019 1.6063024254992 1.3167294633652
2020 1.5993953250696 1.39454817465
2021 1.9403864083744 1.5047174804474
2022 1.8784880819473 1.6607566831698
2023 2.0982711875351 1.8273305784917
2024 2.3101965774761 1.9700450966719

Growth 20 year annual return

Year Annual return Industry median
2024 10.10% n/a
2023 11.70% n/a
2022 -3.19% n/a
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 8.34 7.31
5 6.18 7.38
7 6.7 6.79
10 7.61 6.32

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2014 1 1
2015 1.1071 1.0551
2016 1.17219748 1.10542827
2017 1.322355977188 1.166116282023
2018 1.4491699154003 1.2320018519573
2019 1.5426413749437 1.2947107462219
2020 1.5397103563313 1.3647545975925
2021 1.7779035484557 1.4657464378144
2022 1.7624357875841 1.6099758872953
2023 1.9214074956242 1.7634065893546
2024 2.0816528807593 1.8923116110364

Alternative Growth 20 year annual return

Year Annual return Industry median
2024 8.34% n/a
2023 9.02% n/a
2022 -0.87% n/a
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 7.55 6.81
5 6.79 6.88
7 7.4 6.29
10 7.73 5.74

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2014 1 1
2015 1.1083 1.0451
2016 1.15906014 1.08721753
2017 1.277516086308 1.141360962994
2018 1.3864882084701 1.2000269164919
2019 1.5164021536037 1.2551081519589
2020 1.5474883977526 1.31673396222
2021 1.8068474532159 1.407456932217
2022 1.7936574668075 1.5384911726064
2023 1.9583152222604 1.6774169254928
2024 2.106168021541 1.7916490181188

Sustainable Balanced 20 year annual return

Year Annual return Industry median
2024 7.55% n/a
2023 9.18% n/a
2022 -0.73% n/a
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 7.52 5.81
5 4.7 6.08
7 5.17 5.58
10 5.82 5.09

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2014 1 1
2015 1.0885 1.0401
2016 1.12953645 1.07681553
2017 1.237181273685 1.125056865744
2018 1.3263820435177 1.1771469986279
2019 1.3995983323199 1.2252923108718
2020 1.4016977298183 1.2793277017813
2021 1.5614912710176 1.3609488091549
2022 1.5196433049544 1.4733631807911
2023 1.6377195897493 1.5916742442086
2024 1.7608761028985 1.6841505177972

Conservative Balanced 20 year annual return

Year Annual return Industry median
2024 7.52% n/a
2023 7.77% n/a
2022 -2.68% n/a
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 6.4 4.81
5 3.62 4.87
7 4.11 4.28
10 4.78 3.74

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2014 1 1
2015 1.0755 1.0351
2016 1.1193804 1.06646353
2017 1.20299811588 1.108802132141
2018 1.2719299079199 1.1544847799852
2019 1.3350176313528 1.1959307835867
2020 1.3418262212727 1.2426916772249
2021 1.4521243366613 1.315637678678
2022 1.420468026122 1.4173364712398
2023 1.4987358143614 1.5240619075242
2024 1.5946549064805 1.5973692852761

Capital Stable 20 year annual return

Year Annual return Industry median
2024 6.40% n/a
2023 5.51% n/a
2022 -2.18% n/a
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.

Overseas Shares

Overseas Shares average returns

Year Overseas Shares Return objective Industry median
1 16.37 0
5 9.73 0
7 9.69 0
10 10.86 0

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2014 1 1
2015 1.2185 1.0651
2016 1.21301675 1.12389352
2017 1.46702245745 1.1913271312
2018 1.643651961327 1.2647128824819
2019 1.7623236329348 1.3354103326127
2020 1.8245336571774 1.4143330832701
2021 2.3622237259476 1.5260653968484
2022 2.045449524298 1.5413260508169
2023 2.4093349946706 1.5567393113251
2024 2.8037431332982 1.5723067044383

Overseas Shares 20 year annual return

Year Annual return Industry median
2024 16.37% n/a
2023 17.79% n/a
2022 -13.41% n/a
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 -09.90% 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 11.37 0
5 8.19 0
7 9.2 0
10 8.97 0

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2014 1 1
2015 1.0818 1.0651
2016 1.09553886 1.12389352
2017 1.274549909724 1.1913271312
2018 1.477585710343 1.2647128824819
2019 1.5919508443236 1.3354103326127
2020 1.4884740394426 1.4143330832701
2021 1.9025675172155 1.5260653968484
2022 1.8426366404232 1.5413260508169
2023 2.1190321364867 1.5567393113251
2024 2.3599660904052 1.5723067044383

Australian Shares 20 year annual return

Year Annual return Industry median
2024 11.37% n/a
2023 15.00% n/a
2022 -3.15% n/a
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 -5.09 0
5 2.89 0
7 5.02 0
10 7.51 0

Direct Property estimated growth

Year Direct Property Return objective Industry median
2014 1 1
2015 1.1092 1.0551
2016 1.27402712 1.10279052
2017 1.46449417444 1.157709487896
2018 1.6510707322637 1.2172157555739
2019 1.7892653525541 1.2730859587547
2020 1.8195039370123 1.3355944793295
2021 1.9559667322882 1.4276169389554
2022 2.2219782078794 1.4418931083449
2023 2.1735390829476 1.4563120394284
2024 2.0629059436256 1.4708751598226

Direct Property 20 year annual return

Year Annual return Industry median
2024 -5.09% n/a
2023 -2.18% n/a
2022 13.60% n/a
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 3.45 0
5 0.35 0
7 1.33 0
10 2.16 0

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2014 1 1
2015 1.0544 1.0351
2016 1.10374592 1.05859677
2017 1.128359454016 1.084426531188
2018 1.1525063463319 1.1125131783458
2019 1.2162399472841 1.1357647037732
2020 1.2455513300136 1.1575713860856
2021 1.2598751703088 1.2021378844499
2022 1.18302278492 1.2141592632944
2023 1.1965092446681 1.2263008559274
2024 1.2377888136091 1.2385638644867

Fixed Interest 20 year annual return

Year Annual return Industry median
2024 3.45% n/a
2023 1.14% n/a
2022 -6.10% n/a
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 4.02 0
5 1.62 0
7 1.71 0
10 2.03 0

Cash estimated growth

Year Cash Return objective Industry median
2014 1 1
2015 1.0322 1.0151
2016 1.05965652 1.02545402
2017 1.085406173436 1.045245282586
2018 1.106245971966 1.0669863844638
2019 1.1283708914053 1.0839514679768
2020 1.1411214824782 1.1047633361619
2021 1.1429472768501 1.1472967246042
2022 1.1458046450423 1.1587696918502
2023 1.1752518244198 1.1703573887687
2024 1.2224969477615 1.1820609626564

Cash 20 year annual return

Year Annual return Industry median
2024 4.02% n/a
2023 2.57% n/a
2022 0.25% n/a
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.

Capital Guaranteed

Capital Guaranteed average returns

Year Capital Guaranteed Return objective Industry median
1 3.35 3.75
5 1.48 1.41
7 1.56 1.47
10 1.89 1.6

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2014 1 1
2015 1.0341 1.0251
2016 1.06109001 1.04324427
2017 1.082630137203 1.068699430188
2018 1.1003852714531 1.0963787454299
2019 1.1211825530836 1.1192930612094
2020 1.1388972374223 1.1407834879846
2021 1.1436806058195 1.184703652272
2022 1.1476834879399 1.1858883559243
2023 1.1673088755836 1.2152983871512
2024 1.2064137229157 1.2608720766693

Capital Guaranteed 20 year annual return

Year Annual return Industry median
2024 3.35% n/a
2023 1.71% n/a
2022 0.35% n/a
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.

Pension

Balanced

Balanced average returns

Year Balanced Return objective Industry median
1 8.71 6.81 10.11
5 6.81 6.87 6.9
7 7.51 6.28 7.52
10 8.16 5.74 7.78

Balanced estimated growth

Year Balanced Return objective Industry median
2014 1 1 1
2015 1.1164 1.0451 1.1013
2016 1.17099196 1.08721753 1.13522004
2017 1.319356641332 1.141360962994 1.262705250492
2018 1.4656732928557 1.2000269164919 1.3879656113408
2019 1.5755987898199 1.2551081519589 1.4983088774424
2020 1.5612608408325 1.31673396222 1.4876708844126
2021 1.8566513919181 1.407456932217 1.7771716385192
2022 1.8390132036948 1.5384911726064 1.7044853185038
2023 2.0153745699292 1.6774169254928 1.8759565415453
2024 2.19091369497 1.7916490181188 2.0656157478955

Balanced 20 year annual return

Year Annual return Industry median
2024 8.71% 10.11%
2023 9.59% 10.06%
2022 -0.95% -4.09%
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 10.47 7.81 11.87
5 7.99 7.88 8.14
7 8.63 7.29 8.81
10 9.15 6.74 8.96

Growth estimated growth

Year Growth Return objective Industry median
2014 1 1 1
2015 1.1284 1.0551 1.115
2016 1.17229476 1.10817153 1.14622
2017 1.344387630768 1.1746618218 1.296489442
2018 1.5135115947186 1.2470209900229 1.4497344940444
2019 1.6342898199772 1.3167294633652 1.5677428818596
2020 1.6076508959115 1.39454817465 1.5456377072254
2021 1.9822335546589 1.5047174804474 1.9173635758131
2022 1.9372368529682 1.6607566831698 1.8153598335798
2023 2.1722236832332 1.8273305784917 2.0393752370436
2024 2.3996555028677 1.9700450966719 2.2814490776807

Growth 20 year annual return

Year Annual return Industry median
2024 10.47% 11.87%
2023 12.13% 12.34%
2022 -2.27% -5.32%
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 8.35 7.31 10.11
5 6.47 7.38 6.9
7 7.14 6.79 7.52
10 7.92 6.32 7.78

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2014 1 1 1
2015 1.1071 1.0551 1.1013
2016 1.17219748 1.10542827 1.13522004
2017 1.322355977188 1.166116282023 1.262705250492
2018 1.4664927787015 1.2320018519573 1.3879656113408
2019 1.5663609369311 1.2947107462219 1.4983088774424
2020 1.5492876027185 1.3647545975925 1.4876708844126
2021 1.8053848434479 1.4657464378144 1.7771716385192
2022 1.8061069973853 1.6099758872953 1.7044853185038
2023 1.9776871621369 1.7634065893546 1.8759565415453
2024 2.1428240401753 1.8923116110364 2.0656157478955

Alternative Growth 20 year annual return

Year Annual return Industry median
2024 8.35% 10.11%
2023 9.50% 10.06%
2022 0.04% -4.09%
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 8.27 6.81 8.29
5 7.44 6.88 5.71
7 8.19 6.29 6.69
10 8.29 5.74 6.95

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2014 1 1 1
2015 1.1083 1.0451 1.093
2016 1.15906014 1.08721753 1.0986836
2017 1.277516086308 1.141360962994 1.19218157436
2018 1.4001576305936 1.2000269164919 1.2953052805421
2019 1.5485743394365 1.2551081519589 1.390510218662
2020 1.5649892274345 1.31673396222 1.395655106471
2021 1.8689101354023 1.407456932217 1.6424069292951
2022 1.8683494623617 1.5384911726064 1.56587076639
2023 2.0477110107484 1.6774169254928 1.7113401605876
2024 2.2170567113373 1.7916490181188 1.8532102599003

Sustainable Balanced 20 year annual return

Year Annual return Industry median
2024 8.27% 8.29%
2023 9.60% 9.29%
2022 -0.03% -4.66%
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 7.86 5.81 7.86
5 5.08 6.08 5.29
7 5.68 5.58 6.03
10 6.18 5.09 6.4

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2014 1 1 1
2015 1.0885 1.0401 1.0825
2016 1.12953645 1.07681553 1.1199545
2017 1.237181273685 1.125056865744 1.2088788873
2018 1.3399910375282 1.1771469986279 1.2996656917362
2019 1.4217304908174 1.2252923108718 1.3944113206638
2020 1.4146218383634 1.2793277017813 1.3946902029279
2021 1.596400744593 1.3609488091549 1.5854838226885
2022 1.5614395682865 1.4733631807911 1.5331628565398
2023 1.6888530370586 1.5916742442086 1.6573490479195
2024 1.8215968857714 1.6841505177972 1.7876166830859

Conservative Balanced 20 year annual return

Year Annual return Industry median
2024 7.86% 7.86%
2023 8.16% 8.10%
2022 -2.19% -3.30%
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 6.65 4.81 6.27
5 3.9 4.87 3.65
7 4.49 4.28 4.31
10 5.05 3.74 4.84

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2014 1 1 1
2015 1.0755 1.0351 1.0635
2016 1.1193804 1.06646353 1.1022114
2017 1.20299811588 1.108802132141 1.16702143032
2018 1.2802305949195 1.1544847799852 1.2273564382675
2019 1.351155369878 1.1959307835867 1.3050481008099
2020 1.3542630272288 1.2426916772249 1.3152274759962
2021 1.4723547632031 1.315637678678 1.4268902887083
2022 1.4445272581786 1.4173364712398 1.3823713117006
2023 1.533799042734 1.5240619075242 1.4541163827778
2024 1.6357966790758 1.5973692852761 1.545289479978

Capital Stable 20 year annual return

Year Annual return Industry median
2024 6.65% 6.27%
2023 6.18% 5.19%
2022 -1.89% -3.12%
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.

Overseas Shares

Overseas Shares average returns

Year Overseas Shares Return objective Industry median
1 17.69 0
5 10.48 0
7 10.65 0
10 11.53 0

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2014 1 1
2015 1.2185 1.0651
2016 1.21301675 1.12389352
2017 1.46702245745 1.1913271312
2018 1.67181879251 1.2647128824819
2019 1.8102453885298 1.3354103326127
2020 1.8759572961335 1.4143330832701
2021 2.4830170771623 1.5260653968484
2022 2.1281939368358 1.5413260508169
2023 2.5319123266535 1.5567393113251
2024 2.9798076172385 1.5723067044383

Overseas Shares 20 year annual return

Year Annual return Industry median
2024 17.69% n/a
2023 18.97% n/a
2022 -14.29% n/a
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 -09.90% 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 12.55 0
5 9.16 0
7 10.31 0
10 9.74 0

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2014 1 1
2015 1.0818 1.0651
2016 1.09553886 1.12389352
2017 1.274549909724 1.1913271312
2018 1.5021845236007 1.2647128824819
2019 1.6343767616776 1.3354103326127
2020 1.5090200640569 1.4143330832701
2021 1.9967353487601 1.5260653968484
2022 1.9222571202513 1.5413260508169
2023 2.2507708621023 1.5567393113251
2024 2.5332426052961 1.5723067044383

Australian Shares 20 year annual return

Year Annual return Industry median
2024 12.55% n/a
2023 17.09% n/a
2022 -3.73% n/a
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 -5.9 0
5 2.91 0
7 5.24 0
10 7.67 0

Direct Property estimated growth

Year Direct Property Return objective Industry median
2014 1 1
2015 1.1092 1.0551
2016 1.27402712 1.10279052
2017 1.46449417444 1.157709487896
2018 1.6671801681825 1.2172157555739
2019 1.8137253049657 1.2730859587547
2020 1.8447400076807 1.3355944793295
2021 1.9849402482644 1.4276169389554
2022 2.2870481540502 1.4418931083449
2023 2.2248404442601 1.4563120394284
2024 2.0935748580487 1.4708751598226

Direct Property 20 year annual return

Year Annual return Industry median
2024 -5.90% n/a
2023 -2.72% n/a
2022 15.22% n/a
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 4.09 0
5 0.38 0
7 1.53 0
10 2.29 0

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2014 1 1
2015 1.0544 1.0351
2016 1.10374592 1.05859677
2017 1.128359454016 1.084426531188
2018 1.1565684403664 1.1125131783458
2019 1.2307044773939 1.1357647037732
2020 1.2649180618654 1.1575713860856
2021 1.2832593737625 1.2021378844499
2022 1.1889398097909 1.2141592632944
2023 1.2052282851851 1.2263008559274
2024 1.2545221220491 1.2385638644867

Fixed Interest 20 year annual return

Year Annual return Industry median
2024 4.09% n/a
2023 1.37% n/a
2022 -7.35% n/a
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 4.71 0
5 1.9 0
7 2.02 0
10 2.24 0

Cash estimated growth

Year Cash Return objective Industry median
2014 1 1
2015 1.0322 1.0151
2016 1.05965652 1.02545402
2017 1.085406173436 1.045245282586
2018 1.1099363529557 1.0669863844638
2019 1.1364638317913 1.0839514679768
2020 1.150896922455 1.1047633361619
2021 1.1538892544534 1.1472967246042
2022 1.1572355332913 1.1587696918502
2023 1.1921840463967 1.1703573887687
2024 1.248335914982 1.1820609626564

Cash 20 year annual return

Year Annual return Industry median
2024 4.71% n/a
2023 3.02% n/a
2022 0.29% n/a
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.

Capital Guaranteed

Capital Guaranteed average returns

Year Capital Guaranteed Return objective Industry median
1 4.03 4.37
5 1.81 1.64
7 1.9 1.71
10 2.13 1.86

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2014 1 1
2015 1.0341 1.0251
2016 1.06109001 1.04324427
2017 1.082630137203 1.068699430188
2018 1.1039579509059 1.0963787454299
2019 1.1291281921866 1.1192930612094
2020 1.1506945406573 1.1407834879846
2021 1.1570233606309 1.184703652272
2022 1.1622299657538 1.1858883559243
2023 1.1871016870209 1.2201605294105
2024 1.2349418850078 1.2734815445457

Capital Guaranteed 20 year annual return

Year Annual return Industry median
2024 4.03% n/a
2023 2.14% n/a
2022 0.45% n/a
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.

All options at a glance

Compound average returns (after investment fees, indirect costs and tax) as at: 31 August 2024.

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 7.60% 7.21% 6.74% 8.55% 2.78% 0.38%
Growth 8.44% 8.21% 7.83% 9.99% 2.87% 0.31%
Alternative Growth 7.34% 6.80% 6.37% 8.05% 2.56% 0.30%
Sustainable Balanced 7.57% 7.72% 7.16% 8.55% 2.89% 0.59%
Conservative Balanced 5.65% 5.33% 4.94% 7.64% 2.63% 0.32%
Capital Stable 4.60% 4.25% 3.82% 6.69% 2.51% 0.41%
Asset class option 10 years (p.a.) 7 years (p.a.) 5 years (p.a.) 1 year 3 months Last month
Overseas Shares 10.54% 9.85% 9.92% 15.25% 3.13% -0.26%
Australian Shares 8.66% 9.64% 9.02% 12.80% 4.82% 0.46%
Direct Property 6.84% 4.71% 2.54% -6.20% -1.27% 0.83%
Fixed Interest 2.08% 1.57% 0.58% 5.13% 2.74% 0.76%
Cash 1.96% 1.78% 1.72% 4.07% 1.05% 0.37%
Capital Guaranteed 1.79% 1.60% 1.52% 3.42% 0.81% 0.24%
Expand to see important information

The returns shown above are net of investment fees, indirect costs and tax. They may differ from your actual returns. Your actual 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: 31 August 2024.

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 8.14% 7.67% 7.07% 8.63% 2.77% 0.36%
Growth 9.14% 8.82% 8.33% 10.28% 3.11% 0.28%
Alternative Growth 7.92% 7.25% 6.70% 8.03% 2.44% 0.33%
Sustainable Balanced 8.34% 8.51% 7.83% 9.21% 3.31% 0.59%
Conservative Balanced 6.20% 5.84% 5.35% 7.93% 2.57% 0.37%
Capital Stable 5.07% 4.64% 4.12% 6.91% 2.35% 0.46%
Asset class option 10 years (p.a.) 7 years (p.a.) 5 years (p.a.) 1 year 3 months Last month
Overseas Shares 11.54% 10.83% 10.68% 16.46% 3.39% -0.28%
Australian Shares 9.73% 10.81% 10.11% 14.17% 5.12% 0.51%
Direct Property 7.43% 4.92% 2.53% -7.09% -1.70% 0.94%
Fixed Interest 2.41% 1.80% 0.65% 6.06% 3.22% 0.89%
Cash 2.28% 2.09% 2.02% 4.77% 1.23% 0.43%
Capital Guaranteed 2.16% 1.95% 1.86% 4.12% 1.01% 0.32%
Expand to see important information

The returns shown above are net of investment fees, indirect costs and tax. They may differ from your actual returns. Your actual 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: 31 August 2024.

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 7.81% 7.21% 6.74% 8.55% 2.78% 0.38%
Growth 8.70% 8.21% 7.83% 9.99% 2.87% 0.31%
Alternative Growth 7.59% 6.80% 6.37% 8.05% 2.56% 0.30%
Sustainable Balanced 7.77% 7.72% 7.16% 8.55% 2.89% 0.59%
Conservative Balanced 5.82% 5.33% 4.94% 7.64% 2.63% 0.32%
Capital Stable 4.79% 4.25% 3.82% 6.69% 2.51% 0.41%
Asset class option 10 years (p.a.) 7 years (p.a.) 5 years (p.a.) 1 year 3 months Last month
Overseas Shares 10.85% 9.85% 9.92% 15.25% 3.13% -0.26%
Australian Shares 8.90% 9.64% 9.02% 12.80% 4.82% 0.46%
Direct Property 7.28% 4.71% 2.54% -6.20% -1.27% 0.83%
Fixed Interest 2.24% 1.57% 0.58% 5.13% 2.74% 0.76%
Cash 2.05% 1.78% 1.72% 4.07% 1.05% 0.37%
Capital Guaranteed 1.91% 1.60% 1.52% 3.42% 0.81% 0.24%
Expand to see important information

The returns shown above are net of investment fees, indirect costs and tax. They may differ from your actual returns. Your actual net returns will appear in your annual statement. Past performance is not a reliable indicator of future performance.