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 10.1 5.14 9.22
3 8.7050313113311 4.71 7.29
5 9.930699691046 4.93 8.91
7 9.6317647948861 4.89 8.48
10 7.532882857674 5.13 6.37

Balanced estimated growth

Year Balanced Return objective Industry median
2008 1 1 1
2009 0.905 1.0442 0.8731
2010 0.985545 1.10810504 0.95857649
2011 1.08607059 1.18068592012 1.042068502279
2012 1.108660858272 1.2303927973571 1.0467578105393
2013 1.2877095868829 1.2967109691346 1.2009452360317
2014 1.4530514978387 1.3746432983796 1.3529849029133
2015 1.6093998390061 1.4366397111365 1.482871453593
2016 1.6810181318419 1.4945362914953 1.5245401414389
2017 1.8776972532674 1.5689641988118 1.6850742183325
2018 2.0673446758474 1.6496089586307 1.8404380612627

Balanced 20 year annual return

Year Annual return Industry median
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%
2000 13.00% 11.20%
1999 9.50% 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 11.53 6.16 10.56
3 9.3182211566937 5.73 7.81
5 10.982426576089 5.94 9.96
7 10.550448675906 5.9 9.24
10 8.1974141888668 6.14 6.65

Growth estimated growth

Year Growth Return objective Industry median
2008 1 1 1
2009 0.898 1.0542 0.8429
2010 0.989596 1.12925904 0.92820148
2011 1.089545196 1.21451809752 1.01545241912
2012 1.0881287872452 1.2777944904008 1.0058056211384
2013 1.305863357573 1.3594455583374 1.1778989629151
2014 1.5056604512816 1.4547426919769 1.3429226076195
2015 1.6830272524426 1.5348990143048 1.4867496188956
2016 1.7340229781916 1.6121044347243 1.5179713608924
2017 1.971410723906 1.7088307008078 1.6976991700221
2018 2.1987143803724 1.8140946719775 1.8769762023764

Growth 20 year annual return

Year Annual return Industry median
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%
2000 14.76% 13.76%
1999 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.

Alternative Growth

Alternative Growth average returns

Year Alternative Growth Return objective Industry median
1 9.59 5.65 9.22
3 8.8370690138233 5.3 7.29
5 9.7662093878635 5.68 8.91
7 9.5778606661696 5.72 8.48
10 7.8216925944077 6.01 6.37

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2008 1 1 1
2009 0.921 1.0542 0.8731
2010 1.009416 1.12925904 0.95857649
2011 1.119442344 1.21451809752 1.042068502279
2012 1.1397042504264 1.2777944904008 1.0467578105393
2013 1.3326561800236 1.3594455583374 1.2009452360317
2014 1.5017702492686 1.4547426919769 1.3529849029133
2015 1.6471416093978 1.5348990143048 1.482871453593
2016 1.7372402554318 1.6081136972871 1.5245401414389
2017 1.9377177809087 1.6963991392682 1.6850742183325
2018 2.1235449160978 1.7922456906368 1.8404380612627

Alternative Growth 20 year annual return

Year Annual return Industry median
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
2000 n/a n/a
1999 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 8.53 5.14 8.65
3 7.390760853201 4.71 5.92
5 8.8330812535546 4.93 7.82
7 8.8669669578735 4.89 7.97
10 6.8680160362577 5.13 5.72

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2008 1 1 1
2009 0.899 1.0442 0.8934
2010 0.982607 1.10810504 0.9702324
2011 1.072024237 1.18068592012 1.04571648072
2012 1.0963591871799 1.2303927973571 1.0479124853295
2013 1.2725441085597 1.2967109691346 1.2209228366574
2014 1.4289397795017 1.3746432983796 1.3667010233543
2015 1.5688329839149 1.4366397111365 1.4938042185263
2016 1.6370772187152 1.4945362914953 1.5015720004626
2017 1.790307646387 1.5689641988118 1.629355777702
2018 1.9430208886238 1.6496089586307 1.7702950524732

Sustainable Balanced 20 year annual return

Year Annual return Industry median
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
2000 n/a n/a
1999 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 7.21 4.63 6.95
3 6.3455802007875 4.21 5.6
5 7.4102530100259 4.43 7.02
7 7.6904964004137 4.39 6.86
10 6.6646098053758 4.63 5.69

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2008 1 1 1
2009 0.957 1.0392 0.9074
2010 1.046001 1.09760304 0.99351226
2011 1.134911085 1.16400802392 1.07001270402
2012 1.1808749839425 1.2071927216074 1.0900219415852
2013 1.3334440318679 1.266224445694 1.2127584122077
2014 1.4641215469909 1.3361200350963 1.3296683231445
2015 1.5850579867724 1.3896984485037 1.4264681770694
2016 1.633877772765 1.4387548037359 1.4666945796628
2017 1.7781491801001 1.5032110189433 1.5722965893985
2018 1.9063537359853 1.5728096891203 1.6815712023617

Conservative Balanced 20 year annual return

Year Annual return Industry median
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
2000 n/a n/a
1999 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 5.73 4.12 4.65
3 5.3744080467584 3.7 4.41
5 6.1574266669236 3.92 5.27
7 6.6177828225617 3.89 5.44
10 6.051956176355 4.13 5.09

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2008 1 1 1
2009 0.978 1.0342 0.9656
2010 1.066998 1.08715104 1.047676
2011 1.149156846 1.14748792272 1.117870292
2012 1.2084533392536 1.1843222850393 1.1632558258552
2013 1.3348575585395 1.2363140333525 1.2596897338186
2014 1.4419131347344 1.2983769978268 1.3520249913075
2015 1.5380887408212 1.3439500304506 1.4285496058155
2016 1.5928446999944 1.3846717163732 1.4765488725709
2017 1.702113846414 1.4396431835132 1.5545106530426
2018 1.7996449698136 1.498956482674 1.6267953984091

Capital Stable 20 year annual return

Year Annual return Industry median
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
2000 n/a n/a
1999 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 1.64 2.59
3 1.8529077003157 2.27
5 2.0267703739723 2.66
7 1.9110760451557 2.7
10 2.3352798337365 3

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2008 1 1
2009 1.04 1.0242
2010 1.06808 1.06639704
2011 1.10332664 1.11491810532
2012 1.12925481604 1.1395577954476
2013 1.1394181093844 1.1781888047132
2014 1.1584463918111 1.2255519946627
2015 1.1921571818128 1.2563133497288
2016 1.2192191498399 1.278550096019
2017 1.2393362658123 1.3097467183618
2018 1.2596613805716 1.3436691583674

Capital Guaranteed 20 year annual return

Year Annual return Industry median
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
2000 6.50% n/a
1999 6.80% 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.

Overseas Shares

Overseas Shares average returns

Year Overseas Shares Return objective Industry median
1 12.04 6.16
3 9.7837539448643 5.89
5 13.518384815085 6.44
7 13.375902132531 6.54
10 10.024142933989 6.88

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2008 1 1
2009 0.912 1.0642
2010 0.99864 1.15061304
2011 1.07952984 1.24899045492
2012 1.054808606664 1.3265527621705
2013 1.3789512914918 1.4245850112949
2014 1.6307477973183 1.5386942706997
2015 1.9645618714293 1.6388632677222
2016 1.9569000801307 1.7293285201005
2017 2.320100735003 1.8330882313065
2018 2.5994408634974 1.946006466355

Overseas Shares 20 year annual return

Year Annual return Industry median
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
2000 n/a n/a
1999 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 15.93 6.16
3 10.040642365351 5.89
5 10.875331989714 6.44
7 9.8427320630315 6.54
10 7.5128548305732 6.88

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2008 1 1
2009 0.858 1.0642
2010 0.958386 1.15061304
2011 1.069558776 1.24899045492
2012 1.0196103811608 1.3265527621705
2013 1.231485418366 1.4245850112949
2014 1.4392370084444 1.5386942706997
2015 1.5486190210861 1.6388632677222
2016 1.5515613972262 1.7293285201005
2017 1.7799512348979 1.8330882313065
2018 2.0634974666171 1.946006466355

Australian Shares 20 year annual return

Year Annual return Industry median
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
2000 n/a n/a
1999 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 12.74 5.14
3 13.003067897703 4.88
5 11.426923840709 5.43
7 10.032546813145 5.53
10 6.9111712835254 5.88

Direct Property estimated growth

Year Direct Property Return objective Industry median
2008 1 1
2009 0.882 1.0542
2010 0.919926 1.12925904
2011 0.999039636 1.21451809752
2012 1.0725689532096 1.2777944904008
2013 1.1357432645536 1.3594455583374
2014 1.2334171853053 1.4547426919769
2015 1.3519485768131 1.5348990143048
2016 1.5321633221023 1.6042764497514
2017 1.7304252559823 1.684169416949
2018 1.9508814335945 1.7707357249801

Direct Property 20 year annual return

Year Annual return Industry median
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
2000 n/a n/a
1999 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 2.14 2.59
3 2.648491359525 2.43
5 3.5432352802361 3.16
7 4.9834744506173 3.34
10 5.7122666002117 3.74

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2008 1 1
2009 1.044 1.0342
2010 1.15884 1.08715104
2011 1.2399588 1.14748792272
2012 1.38094211556 1.1843222850393
2013 1.4643510193398 1.2363140333525
2014 1.5365435245933 1.2983769978268
2015 1.611373194241 1.3439500304506
2016 1.6766338086077 1.3744576961418
2017 1.7063102270201 1.4079944639276
2018 1.7428252658783 1.4444615205434

Fixed Interest 20 year annual return

Year Annual return Industry median
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
2000 n/a n/a
1999 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 Secure

Capital Secure average returns

Year Capital Secure Return objective Industry median
1 1.92 2.08
3 2.1464353323125 1.68
5 2.4093522202948 1.91
7 2.8031295340983 1.88
10 3.1599645532997 2.12

Capital Secure estimated growth

Year Capital Secure Return objective Industry median
2008 1 1
2009 1.031 1.0142
2010 1.07224 1.04584304
2011 1.12477976 1.08297046792
2012 1.17202050992 1.0960744105818
2013 1.2117520052063 1.1222705889947
2014 1.2460445869536 1.1561631607824
2015 1.2806846264709 1.1736212245102
2016 1.3119333313568 1.1855921610002
2017 1.339221544649 1.2084740897075
2018 1.3649345983063 1.2336103507734

Capital Secure 20 year annual return

Year Annual return Industry median
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
2000 n/a n/a
1999 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 10.1 5.14
3 9.1716563762569 4.71
5 10.620019366974 4.93
7 10.502900381637 4.89
10 8.6656829335256 5.13

Balanced estimated growth

Year Balanced Return objective Industry median
2008 1 1
2009 0.917 1.0442
2010 1.023372 1.10810504
2011 1.14105978 1.18068592012
2012 1.172667135906 1.2303927973571
2013 1.3859752879273 1.2967109691346
2014 1.5804276208235 1.3746432983796
2015 1.7643893958874 1.4366397111365
2016 1.8506680373462 1.4945362914953
2017 2.085147677678 1.5689641988118
2018 2.2957475931235 1.6496089586307

Balanced 20 year annual return

Year Annual return Industry median
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 11.53 6.16
3 9.9388131603689 5.73
5 11.85347938649 5.94
7 11.510194365887 5.9
10 9.0412176911232 6.14

Growth estimated growth

Year Growth Return objective Industry median
2008 1 1
2009 0.886 1.0542
2010 0.989662 1.12925904
2011 1.10842144 1.21451809752
2012 1.110859967168 1.2777944904008
2013 1.3572487078859 1.3594455583374
2014 1.5848593161983 1.4547426919769
2015 1.7883552523982 1.5348990143048
2016 1.8579222717165 1.6121044347243
2017 2.1306652612045 1.7088307008078
2018 2.3763309658213 1.8140946719775

Growth 20 year annual return

Year Annual return Industry median
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 9.59 5.65
3 9.3899657265115 5.3
5 10.312330036693 5.68
7 10.309173068773 5.72
10 8.569259149736 6.01

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2008 1 1
2009 0.912 1.0542
2010 1.013232 1.12925904
2011 1.14495216 1.21451809752
2012 1.171171564464 1.2777944904008
2013 1.3929914587735 1.3594455583374
2014 1.5701799723295 1.4547426919769
2015 1.738346247366 1.5348990143048
2016 1.8405610067111 1.6081136972871
2017 2.0763368716708 1.6963991392682
2018 2.275457577664 1.7922456906368

Alternative Growth 20 year annual return

Year Annual return Industry median
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 8.53 5.14
3 7.7505797943045 4.71
5 9.5151476637462 4.93
7 9.8152514363739 4.89
10 7.6847898972444 5.13

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2008 1 1
2009 0.886 1.0442
2010 0.981688 1.10810504
2011 1.088691992 1.18068592012
2012 1.1238567433416 1.2303927973571
2013 1.3309835411395 1.2967109691346
2014 1.5122634994427 1.3746432983796
2015 1.6760416364323 1.4366397111365
2016 1.7528043433809 1.4945362914953
2017 1.9319409472744 1.5689641988118
2018 2.0967355100769 1.6496089586307

Sustainable Balanced 20 year annual return

Year Annual return Industry median
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 7.21 4.63
3 6.8103652379955 4.21
5 8.0278415952266 4.43
7 8.4745924563474 4.39
10 7.4563670569757 4.63

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2008 1 1
2009 0.953 1.0392
2010 1.055924 1.09760304
2011 1.1615164 1.16400802392
2012 1.21355233472 1.2071927216074
2013 1.3952211192276 1.266224445694
2014 1.5475792654472 1.3361200350963
2015 1.6845400304393 1.3896984485037
2016 1.7480471895869 1.4387548037359
2017 1.9146360867545 1.5032110189433
2018 2.0526813486095 1.5728096891203

Conservative Balanced 20 year annual return

Year Annual return Industry median
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 5.73 4.12
3 5.7509444935139 3.7
5 6.7426751594531 3.92
7 7.3007930661815 3.89
10 6.778972370626 4.13

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2008 1 1
2009 0.976 1.0342
2010 1.07848 1.08715104
2011 1.17662168 1.14748792272
2012 1.244395088768 1.1843222850393
2013 1.3904870721894 1.2363140333525
2014 1.5149356651503 1.2983769978268
2015 1.6293133078692 1.3439500304506
2016 1.6957892908302 1.3846717163732
2017 1.8224647508552 1.4396431835132
2018 1.9268919810792 1.498956482674

Capital Stable 20 year annual return

Year Annual return Industry median
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 1.64 2.59
3 2.0925559732476 2.27
5 2.304004073176 2.66
7 2.1217260350378 2.7
10 2.4932772691337 3

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2008 1 1
2009 1.04 1.0242
2010 1.06912 1.06639704
2011 1.10440096 1.11491810532
2012 1.130796142944 1.1395577954476
2013 1.141538706302 1.1781888047132
2014 1.1625430184979 1.2255519946627
2015 1.2021857354287 1.2563133497288
2016 1.2335627831234 1.278550096019
2017 1.2586041076208 1.3097467183618
2018 1.2792452149858 1.3436691583674

Capital Guaranteed 20 year annual return

Year Annual return Industry median
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 12.04 6.16
3 10.491306676165 5.89
5 14.527905751484 6.44
7 14.730387762174 6.54
10 11.091909971274 6.88

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2008 1 1
2009 0.901 1.0642
2010 0.998308 1.15061304
2011 1.094145568 1.24899045492
2012 1.0759827515712 1.3265527621705
2013 1.4530071077217 1.4245850112949
2014 1.7418649207368 1.5386942706997
2015 2.1224624059178 1.6388632677222
2016 2.1129113250912 1.7293285201005
2017 2.5553549565653 1.8330882313065
2018 2.8630196933358 1.946006466355

Overseas Shares 20 year annual return

Year Annual return Industry median
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 15.93 6.16
3 10.952025535495 5.89
5 12.022207586478 6.44
7 10.950949304932 6.54
10 8.3462438865758 6.88

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2008 1 1
2009 0.839 1.0642
2010 0.951426 1.15061304
2011 1.077014232 1.24899045492
2012 1.0265022645192 1.3265527621705
2013 1.2636242876231 1.4245850112949
2014 1.5086410369933 1.5386942706997
2015 1.6320478738193 1.6388632677222
2016 1.6527748818168 1.7293285201005
2017 1.9228382975057 1.8330882313065
2018 2.2291464382983 1.946006466355

Australian Shares 20 year annual return

Year Annual return Industry median
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 12.74 5.14
3 14.178746983773 4.88
5 12.598108586677 5.43
7 11.174251408915 5.53
10 7.6801552989073 5.88

Direct Property estimated growth

Year Direct Property Return objective Industry median
2008 1 1
2009 0.866 1.0542
2010 0.910166 1.12925904
2011 0.998452102 1.21451809752
2012 1.0820225429374 1.2777944904008
2013 1.1579805254516 1.3594455583374
2014 1.269378252 1.4547426919769
2015 1.4079943571185 1.5348990143048
2016 1.6172223185863 1.6042764497514
2017 1.8589970552149 1.684169416949
2018 2.0958332800493 1.7707357249801

Direct Property 20 year annual return

Year Annual return Industry median
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 2.14 2.59
3 3.0099815599604 2.43
5 4.0539644224141 3.16
7 5.6633543277548 3.34
10 6.522719038961 3.74

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2008 1 1
2009 1.0491 1.0342
2010 1.1833848 1.08715104
2011 1.2792389688 1.14748792272
2012 1.4422140134251 1.1843222850393
2013 1.5421594445555 1.2363140333525
2014 1.6322215561175 1.2983769978268
2015 1.7210144087703 1.3439500304506
2016 1.8015578831008 1.3744576961418
2017 1.8417326238939 1.4079944639276
2018 1.8811457020452 1.4444615205434

Fixed Interest 20 year annual return

Year Annual return Industry median
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.

Capital Secure

Capital Secure average returns

Year Capital Secure Return objective Industry median
1 1.92 2.08
3 2.3361990699794 1.68
5 2.6927868169438 1.91
7 3.2366629452671 1.88
10 3.6725576743385 2.12

Capital Secure estimated growth

Year Capital Secure Return objective Industry median
2008 1 1
2009 1.037 1.0142
2010 1.085739 1.04584304
2011 1.147626123 1.08297046792
2012 1.2058107674361 1.0960744105818
2013 1.2558519142847 1.1222705889947
2014 1.2965415163075 1.1561631607824
2015 1.3382901531326 1.1736212245102
2016 1.373888671206 1.1855921610002
2017 1.4072741659163 1.2084740897075
2018 1.4342938299018 1.2336103507734

Capital Secure 20 year annual return

Year Annual return Industry median
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 11.09 5.14 9.92
3 9.4978979842105 4.71 7.94
5 10.818242871616 4.93 9.75
7 10.644302513615 4.89 9.27
10 8.7630000903646 5.13 7.04

Balanced estimated growth

Year Balanced Return objective Industry median
2008 1 1 1
2009 0.917 1.0442 0.8652
2010 1.023372 1.10810504 0.96054504
2011 1.14105978 1.18068592012 1.059096961104
2012 1.172667135906 1.2303927973571 1.071594305245
2013 1.3859752879273 1.2967109691346 1.2503362353599
2014 1.5804276208235 1.3746432983796 1.4196317616276
2015 1.7643893958874 1.4366397111365 1.5634404590805
2016 1.8506680373462 1.4945362914953 1.6115944252202
2017 2.085147677678 1.5689641988118 1.7925764791724
2018 2.3163905551325 1.6496089586307 1.9704000659063

Balanced 20 year annual return

Year Annual return Industry median
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 12.58 6.16 11.82
3 10.282742685453 5.73 9.37
5 12.063299804754 5.94 11.16
7 11.659566120911 5.9 10.3
10 9.1434422917782 6.14 7.26

Growth estimated growth

Year Growth Return objective Industry median
2008 1 1 1
2009 0.886 1.0542 0.8344
2010 0.989662 1.12925904 0.93260888
2011 1.10842144 1.21451809752 1.03706107456
2012 1.110859967168 1.2777944904008 1.0245126355578
2013 1.3572487078859 1.3594455583374 1.2237803431738
2014 1.5848593161983 1.4547426919769 1.4184837957728
2015 1.7883552523982 1.5348990143048 1.5816094322866
2016 1.8579222717165 1.6121044347243 1.6258944963907
2017 2.1306652612045 1.7088307008078 1.8390492648675
2018 2.398702951064 1.8140946719775 2.0564248879748

Growth 20 year annual return

Year Annual return Industry median
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 10.9 5.65 9.92
3 9.8241100457431 5.3 7.94
5 10.574804902126 5.68 9.75
7 10.496586089515 5.72 9.27
10 8.6983461280356 6.01 7.04

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2008 1 1 1
2009 0.912 1.0542 0.8652
2010 1.013232 1.12925904 0.96054504
2011 1.14495216 1.21451809752 1.059096961104
2012 1.171171564464 1.2777944904008 1.071594305245
2013 1.3929914587735 1.3594455583374 1.2503362353599
2014 1.5701799723295 1.4547426919769 1.4196317616276
2015 1.738346247366 1.5348990143048 1.5634404590805
2016 1.8405610067111 1.6081136972871 1.6115944252202
2017 2.0763368716708 1.6963991392682 1.7925764791724
2018 2.3026575906829 1.7922456906368 1.9704000659063

Alternative Growth 20 year annual return

Year Annual return Industry median
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 9.6 5.14 8.65
3 8.1035276413836 4.71 5.92
5 9.7302435927941 4.93 7.82
7 9.9692692140197 4.89 7.97
10 7.7904885075601 5.13 5.72

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2008 1 1 1
2009 0.886 1.0442 0.8934
2010 0.981688 1.10810504 0.9702324
2011 1.088691992 1.18068592012 1.04571648072
2012 1.1238567433416 1.2303927973571 1.0479124853295
2013 1.3309835411395 1.2967109691346 1.2209228366574
2014 1.5122634994427 1.3746432983796 1.3667010233543
2015 1.6760416364323 1.4366397111365 1.4938042185263
2016 1.7528043433809 1.4945362914953 1.5015720004626
2017 1.9319409472744 1.5689641988118 1.629355777702
2018 2.1174072782128 1.6496089586307 1.7702950524732

Sustainable Balanced 20 year annual return

Year Annual return Industry median
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 8.31 4.63 7.51
3 7.1744228408994 4.21 6.74
5 8.2486156172606 4.43 7.95
7 8.6328941497446 4.39 7.96
10 7.5661140700454 4.63 6.82

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2008 1 1 1
2009 0.953 1.0392 0.9205
2010 1.055924 1.09760304 1.0175207
2011 1.1615164 1.16400802392 1.11042033991
2012 1.21355233472 1.2071927216074 1.1457317067191
2013 1.3952211192276 1.266224445694 1.2900939017657
2014 1.5475792654472 1.3361200350963 1.4321332403502
2015 1.6845400304393 1.3896984485037 1.550284232679
2016 1.7480471895869 1.4387548037359 1.6039240671297
2017 1.9146360867545 1.5032110189433 1.7312756380598
2018 2.0737423455638 1.5728096891203 1.8612944384781

Conservative Balanced 20 year annual return

Year Annual return Industry median
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 6.42 4.12 5.17
3 5.9804914315188 3.7 4.87
5 6.8816346435189 3.92 5.98
7 7.4005502720748 3.89 6.19
10 6.8484531333676 4.13 5.82

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2008 1 1 1
2009 0.976 1.0342 0.9628
2010 1.07848 1.08715104 1.05253296
2011 1.17662168 1.14748792272 1.136419836912
2012 1.244395088768 1.1843222850393 1.1908543471001
2013 1.3904870721894 1.2363140333525 1.299698434425
2014 1.5149356651503 1.2983769978268 1.4058837965176
2015 1.6293133078692 1.3439500304506 1.4951574175964
2016 1.6957892908302 1.3846717163732 1.5495811475969
2017 1.8224647508552 1.4396431835132 1.6406965190756
2018 1.9394669878601 1.498956482674 1.7255205291118

Capital Stable 20 year annual return

Year Annual return Industry median
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 1.97 2.59
3 2.2029263899791 2.27
5 2.3703491380892 2.66
7 2.1690265508549 2.7
10 2.5265057878985 3

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2008 1 1
2009 1.04 1.0242
2010 1.06912 1.06639704
2011 1.10440096 1.11491810532
2012 1.130796142944 1.1395577954476
2013 1.141538706302 1.1781888047132
2014 1.1625430184979 1.2255519946627
2015 1.2021857354287 1.2563133497288
2016 1.2335627831234 1.278550096019
2017 1.2586041076208 1.3097467183618
2018 1.2833986085409 1.3436691583674

Capital Guaranteed 20 year annual return

Year Annual return Industry median
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 13.96 6.16
3 11.11888879247 5.89
5 14.91776935433 6.44
7 15.009218634649 6.54
10 11.280832907495 6.88

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2008 1 1
2009 0.901 1.0642
2010 0.998308 1.15061304
2011 1.094145568 1.24899045492
2012 1.0759827515712 1.3265527621705
2013 1.4530071077217 1.4245850112949
2014 1.7418649207368 1.5386942706997
2015 2.1224624059178 1.6388632677222
2016 2.1129113250912 1.7293285201005
2017 2.5553549565653 1.8330882313065
2018 2.9120825085018 1.946006466355

Overseas Shares 20 year annual return

Year Annual return Industry median
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 17.86 6.16
3 11.564348952337 5.89
5 12.392736940809 6.44
7 11.212958485294 6.54
10 8.5252812521962 6.88

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2008 1 1
2009 0.839 1.0642
2010 0.951426 1.15061304
2011 1.077014232 1.24899045492
2012 1.0265022645192 1.3265527621705
2013 1.2636242876231 1.4245850112949
2014 1.5086410369933 1.5386942706997
2015 1.6320478738193 1.6388632677222
2016 1.6527748818168 1.7293285201005
2017 1.9228382975057 1.8330882313065
2018 2.2662572174402 1.946006466355

Australian Shares 20 year annual return

Year Annual return Industry median
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 13.84 5.14
3 14.548891685559 4.88
5 12.816979154824 5.43
7 11.328567755542 5.53
10 7.7847599640322 5.88

Direct Property estimated growth

Year Direct Property Return objective Industry median
2008 1 1
2009 0.866 1.0542
2010 0.910166 1.12925904
2011 0.998452102 1.21451809752
2012 1.0820225429374 1.2777944904008
2013 1.1579805254516 1.3594455583374
2014 1.269378252 1.4547426919769
2015 1.4079943571185 1.5348990143048
2016 1.6172223185863 1.6042764497514
2017 1.8589970552149 1.684169416949
2018 2.1162822476566 1.7707357249801

Direct Property 20 year annual return

Year Annual return Industry median
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 2.5 2.59
3 3.1308617587535 2.43
5 4.1272104126019 3.16
7 5.7164767560527 3.34
10 6.5602043452351 3.74

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2008 1 1
2009 1.0491 1.0342
2010 1.1833848 1.08715104
2011 1.2792389688 1.14748792272
2012 1.4422140134251 1.1843222850393
2013 1.5421594445555 1.2363140333525
2014 1.6322215561175 1.2983769978268
2015 1.7210144087703 1.3439500304506
2016 1.8015578831008 1.3744576961418
2017 1.8417326238939 1.4079944639276
2018 1.8877759394913 1.4444615205434

Fixed Interest 20 year annual return

Year Annual return Industry median
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.

Capital Secure

Capital Secure average returns

Year Capital Secure Return objective Industry median
1 2.26 2.08
3 2.4498689043033 1.68
5 2.7612111692787 1.91
7 3.2857916539283 1.88
10 3.7070905105136 2.12

Capital Secure estimated growth

Year Capital Secure Return objective Industry median
2008 1 1
2009 1.037 1.0142
2010 1.085739 1.04584304
2011 1.147626123 1.08297046792
2012 1.2058107674361 1.0960744105818
2013 1.2558519142847 1.1222705889947
2014 1.2965415163075 1.1561631607824
2015 1.3382901531326 1.1736212245102
2016 1.373888671206 1.1855921610002
2017 1.4072741659163 1.2084740897075
2018 1.439078562066 1.2336103507734

Capital Secure 20 year annual return

Year Annual return Industry median
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: 31 October 2018.

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 8.17% 9.80% 8.41% 7.92% 5.23% -1.83% -2.72%
Growth 9.07% 10.83% 9.00% 8.35% 5.14% -2.67% -3.63%
Alternative Growth 8.54% 9.87% 8.33% 8.15% 5.17% -1.61% -2.45%
Sustainable Balanced 7.54% 9.17% 7.70% 6.92% 5.92% -0.81% -2.43%
Conservative Balanced 7.12% 7.68% 6.29% 5.80% 3.53% -1.47% -2.12%
Capital Stable 6.40% 6.54% 5.41% 5.02% 3.32% -0.81% -1.33%
Capital Guaranteed 2.20% 1.84% 2.09% 1.77% 1.67% 0.46% 0.16%
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 10.52% 14.00% 11.15% 7.65% 2.84% -4.30% -5.91%
Australian Shares 8.86% 9.60% 7.17% 9.40% 4.84% -5.81% -5.88%
Direct Property 7.15% 10.07% 11.41% 12.26% 11.72% 1.91% 0.43%
Fixed Interest 5.62% 4.50% 3.45% 2.44% 1.73% -0.09% -0.20%
Capital Secure 3.08% 2.71% 2.34% 2.11% 1.93% 0.51% 0.18%

All options at a glance

Compound average returns (after investment fees, indirect costs and tax) as at: 31 October 2018.

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 9.42% 10.88% 9.16% 8.53% 5.97% -1.89% -2.78%
Growth 10.20% 12.05% 9.81% 9.09% 5.88% -2.76% -3.73%
Alternative Growth 9.51% 10.83% 9.01% 8.91% 5.76% -1.97% -2.78%
Sustainable Balanced 8.57% 10.28% 8.46% 7.40% 6.53% -0.94% -2.59%
Conservative Balanced 8.11% 8.66% 7.02% 6.47% 4.35% -1.48% -2.14%
Capital Stable 7.26% 7.34% 6.06% 5.52% 3.80% -0.85% -1.39%
Capital Guaranteed 2.40% 2.11% 2.45% 2.12% 2.02% 0.56% 0.20%
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 11.91% 15.81% 12.35% 8.92% 4.16% -4.42% -6.22%
Australian Shares 10.12% 11.07% 8.04% 10.41% 5.04% -6.72% -6.74%
Direct Property 8.03% 11.34% 12.76% 13.77% 12.80% 2.07% 0.46%
Fixed Interest 6.46% 5.19% 4.02% 2.84% 2.00% -0.09% -0.23%
Capital Secure 3.61% 3.15% 2.71% 2.41% 2.29% 0.60% 0.21%

All options at a glance

Compound average returns (after investment fees, indirect costs and tax) as at: 31 October 2018.

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 9.33% 10.74% 8.97% 8.22% 5.23% -1.83% -2.72%
Growth 10.10% 11.90% 9.62% 8.77% 5.14% -2.67% -3.63%
Alternative Growth 9.42% 10.70% 8.83% 8.61% 5.17% -1.61% -2.45%
Sustainable Balanced 8.47% 10.14% 8.28% 7.09% 5.92% -0.81% -2.43%
Conservative Balanced 8.00% 8.50% 6.80% 6.10% 3.53% -1.47% -2.12%
Capital Stable 7.19% 7.24% 5.92% 5.28% 3.32% -0.81% -1.33%
Capital Guaranteed 2.36% 2.04% 2.36% 1.96% 1.67% 0.46% 0.16%
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 11.71% 15.52% 11.96% 8.28% 2.84% -4.30% -5.91%
Australian Shares 10.02% 10.94% 7.85% 10.09% 4.84% -5.81% -5.88%
Direct Property 7.90% 11.15% 12.49% 13.32% 11.72% 1.91% 0.43%
Fixed Interest 6.42% 5.13% 3.93% 2.70% 1.73% -0.09% -0.20%
Capital Secure 3.56% 3.09% 2.62% 2.26% 1.93% 0.51% 0.18%