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 6.88 4.59 6.93
3 9.55 4.87 8.73
5 8.74 4.63 7.71
7 10.36 4.93 9.48
10 9.34 5.14 8.6
Last month 2.72
Last quarter 3.9

Balanced estimated growth

Year Balanced Return objective Industry median
2009 1 1 1
2010 1.089 1.0612 1.0979
2011 1.200078 1.1307086 1.19352709
2012 1.2250396224 1.17831143206 1.198897961905
2013 1.4228835214176 1.241822418248 1.3754956316936
2014 1.6055817655676 1.3164559455847 1.549633378666
2015 1.7783423635427 1.3758281087306 1.698398183018
2016 1.8574785987203 1.4312739815125 1.7461231719608
2017 2.0748035947706 1.5025514257918 1.9299899419682
2018 2.2843587578425 1.5797825690775 2.1079350146177
2019 2.441522640382 1.6522945889981 2.2540149111307

Balanced 20 year annual return

Year Annual return Industry median
2019 6.88% 6.93%
2018 10.10% 9.22%
2017 11.70% 10.53%
2016 4.45% 2.81%
2015 10.76% 9.60%
2014 12.84% 12.66%
2013 16.15% 14.73%
2012 2.08% 0.45%
2011 10.20% 8.71%
2010 8.90% 9.79%
2009 -9.50% -12.69%
2008 -4.50% -6.39%
2007 15.65% 15.70%
2006 14.80% 14.49%
2005 14.30% 13.10%
2004 13.10% 13.22%
2003 4.00% 0.10%
2002 2.00% -3.14%
2001 10.00% 5.60%
2000 13.00% 11.20%

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 7.13 5.59 7.41
3 10.76 5.87 9.95
5 9.36 5.63 8.47
7 11.67 5.93 10.61
10 10.13 6.14 9.29
Last month 3.23
Last quarter 4.35

Growth estimated growth

Year Growth Return objective Industry median
2009 1 1 1
2010 1.102 1.0712 1.1012
2011 1.213302 1.1520756 1.2047128
2012 1.2117247074 1.21209873876 1.1932680284
2013 1.4541908213507 1.2895518481668 1.3974361880592
2014 1.6766820170174 1.3799494327233 1.5932169980063
2015 1.8741951586221 1.4559846464663 1.7638505384928
2016 1.9309832719283 1.5292206741836 1.8008913998012
2017 2.1953348818553 1.6209739146346 2.0141169415376
2018 2.4484569937332 1.7208259077761 2.226807690564
2019 2.6230319773864 1.8170200760207 2.3918141404348

Growth 20 year annual return

Year Annual return Industry median
2019 7.13% 7.41%
2018 11.53% 10.56%
2017 13.69% 11.84%
2016 3.03% 2.10%
2015 11.78% 10.71%
2014 15.30% 14.01%
2013 20.01% 17.11%
2012 -0.13% -0.95%
2011 10.10% 9.40%
2010 10.20% 10.12%
2009 -10.20% -15.71%
2008 -9.31% -8.80%
2007 16.25% 17.27%
2006 17.99% 16.88%
2005 15.02% 13.27%
2004 16.23% 14.42%
2003 -1.24% -2.18%
2002 -3.20% -6.33%
2001 8.30% 4.95%
2000 14.76% 13.76%

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 6.45 5.09 6.93
3 9.18 5.37 8.73
5 8.52 5.13 7.71
7 10.28 5.43 9.48
10 9.39 5.64 8.6
Last month 2.5
Last quarter 3.68

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2009 1 1 1
2010 1.096 1.0712 1.0979
2011 1.215464 1.1520756 1.19352709
2012 1.2374638984 1.21209873876 1.198897961905
2013 1.4469665363991 1.2895518481668 1.3754956316936
2014 1.6305865898682 1.3799494327233 1.549633378666
2015 1.7884273717674 1.4559846464663 1.698398183018
2016 1.8862543490031 1.5254351141027 1.7461231719608
2017 2.103928100878 1.609181501867 1.9299899419682
2018 2.3056948057522 1.7001002567225 2.1079350146177
2019 2.4544121207233 1.7866353597896 2.2540149111307

Alternative Growth 20 year annual return

Year Annual return Industry median
2019 6.45% 6.93%
2018 9.59% 9.22%
2017 11.54% 10.53%
2016 5.47% 2.81%
2015 9.68% 9.60%
2014 12.69% 12.66%
2013 16.93% 14.73%
2012 1.81% 0.45%
2011 10.90% 8.71%
2010 9.60% 9.79%
2009 -7.90% -12.69%
2008 -5.38% -6.39%
2007 14.04% 15.70%
2006 14.33% 14.49%
2005 n/a n/a
2004 n/a n/a
2003 n/a n/a
2002 n/a n/a
2001 n/a n/a
2000 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 9.37 4.59 7.35
3 9.09 4.87 8.41
5 8.26 4.63 6.86
7 9.92 4.93 9.01
10 8.98 5.14 7.99
Last month 2.4
Last quarter 3.87

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2009 1 1 1
2010 1.093 1.0612 1.086
2011 1.192463 1.1307086 1.1704908
2012 1.2195319101 1.17831143206 1.17294883068
2013 1.4155106880531 1.241822418248 1.3666026826253
2014 1.5894769516148 1.3164559455847 1.5297750429307
2015 1.7450867451779 1.3758281087306 1.6720441219233
2016 1.8209980185931 1.4312739815125 1.6807387513573
2017 1.9914434331334 1.5025514257918 1.8237696190978
2018 2.1613135579797 1.5797825690775 1.9815256911497
2019 2.3638286383624 1.6522945889981 2.1271678294493

Sustainable Balanced 20 year annual return

Year Annual return Industry median
2019 9.37% 7.35%
2018 8.53% 8.65%
2017 9.36% 8.51%
2016 4.35% 0.52%
2015 9.79% 9.30%
2014 12.29% 11.94%
2013 16.07% 16.51%
2012 2.27% 0.21%
2011 9.10% 7.78%
2010 9.30% 8.60%
2009 -10.10% -10.66%
2008 -7.16% n/a
2007 12.62% n/a
2006 16.58% n/a
2005 11.86% n/a
2004 11.64% n/a
2003 2.12% n/a
2002 n/a n/a
2001 n/a n/a
2000 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 5.52 4.09 6.51
3 7.19 4.37 6.9
5 6.56 4.13 6.23
7 7.91 4.43 7.46
10 7.71 4.64 7.18
Last month 2.03
Last quarter 3.02

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2009 1 1 1
2010 1.093 1.0562 1.0949
2011 1.185905 1.1201001 1.1792073
2012 1.2339341525 1.16165581371 1.20125847651
2013 1.393358445003 1.2184607830004 1.336520180965
2014 1.5299075726133 1.285719818222 1.4653607264101
2015 1.6562779381112 1.3372771829327 1.5720389872927
2016 1.707291298605 1.3844830674903 1.6163704867344
2017 1.8580451202718 1.4465079089138 1.7327491617792
2018 1.9920101734434 1.5134812250965 1.8531752285229
2019 2.1019691350175 1.575382607203 1.9738169358997

Conservative Balanced 20 year annual return

Year Annual return Industry median
2019 5.52% 6.51%
2018 7.21% 6.95%
2017 8.83% 7.20%
2016 3.08% 2.82%
2015 8.26% 7.28%
2014 9.80% 9.64%
2013 12.92% 11.26%
2012 4.05% 1.87%
2011 8.50% 7.70%
2010 9.30% 9.49%
2009 -4.30% -9.26%
2008 -3.04% -3.73%
2007 10.81% 11.55%
2006 11.25% 11.13%
2005 n/a n/a
2004 n/a n/a
2003 n/a n/a
2002 n/a n/a
2001 n/a n/a
2000 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 4.96 3.59 5.28
3 5.85 3.87 5.02
5 5.55 3.63 4.85
7 6.59 3.93 5.62
10 6.81 4.14 6.06
Last month 1.5
Last quarter 2.43

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2009 1 1 1
2010 1.091 1.0512 1.085
2011 1.175007 1.1095416 1.157695
2012 1.2356373612 1.14515788536 1.204697417
2013 1.3648850291815 1.1954303165273 1.3045668328693
2014 1.4743488085219 1.255440918417 1.4001915817186
2015 1.5726878740503 1.2995068946534 1.4794424252439
2016 1.6286755623665 1.3388819535614 1.5291516907321
2017 1.7404027059448 1.3920355671178 1.6098909000027
2018 1.8401277809955 1.449387432483 1.6847508268529
2019 1.9313981189328 1.5014204413092 1.7737056705107

Capital Stable 20 year annual return

Year Annual return Industry median
2019 4.96% 5.28%
2018 5.73% 4.65%
2017 6.86% 5.28%
2016 3.56% 3.36%
2015 6.67% 5.66%
2014 8.02% 7.33%
2013 10.46% 8.29%
2012 5.16% 4.06%
2011 7.70% 6.70%
2010 9.10% 8.50%
2009 -2.20% -3.44%
2008 -0.70% -0.29%
2007 9.10% 8.61%
2006 9.01% 8.04%
2005 11.28% 9.03%
2004 8.48% 6.99%
2003 5.36% 4.05%
2002 3.20% 1.07%
2001 n/a n/a
2000 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 1.89 2.09
3 1.73 2.37
5 2.07 2.13
7 1.85 2.43
10 2.13 2.64
Last month 0.17
Last quarter 0.49

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2009 1 1
2010 1.027 1.0412
2011 1.060891 1.0885746
2012 1.0858219385 1.11263209866
2013 1.0955943359465 1.1503503268046
2014 1.1138907613568 1.1965944099421
2015 1.1463049825123 1.2266289296317
2016 1.1723261056153 1.2483402616861
2017 1.191669486358 1.2787997640713
2018 1.2112128659342 1.3119206779607
2019 1.2341047891004 1.3393398201301

Capital Guaranteed 20 year annual return

Year Annual return Industry median
2019 1.89% n/a
2018 1.64% n/a
2017 1.65% n/a
2016 2.27% n/a
2015 2.91% n/a
2014 1.67% n/a
2013 0.90% n/a
2012 2.35% n/a
2011 3.30% n/a
2010 2.70% n/a
2009 4.00% n/a
2008 6.64% n/a
2007 6.97% n/a
2006 5.75% n/a
2005 4.90% n/a
2004 4.04% n/a
2003 4.94% n/a
2002 6.00% n/a
2001 6.40% n/a
2000 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.

Overseas Shares

Overseas Shares average returns

Year Overseas Shares Return objective Industry median
1 7.22 5.59
3 12.52 5.87
5 11.32 5.63
7 14.9 5.93
10 11.82 6.14
Last month 5.13
Last quarter 4.18

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2009 1 1
2010 1.095 1.0812
2011 1.183695 1.1736426
2012 1.1565883845 1.24652580546
2013 1.5120079950569 1.3386440624835
2014 1.7881006549542 1.4458694518884
2015 2.1541248590234 1.5399955532064
2016 2.1457237720732 1.6250033077433
2017 2.54397010417 1.7225035062079
2018 2.850264104712 1.8286097221904
2019 3.0560531730722 1.9308290056608

Overseas Shares 20 year annual return

Year Annual return Industry median
2019 7.22% n/a
2018 12.04% n/a
2017 18.56% n/a
2016 -0.39% n/a
2015 20.47% n/a
2014 18.26% n/a
2013 30.73% n/a
2012 -2.29% n/a
2011 8.10% n/a
2010 9.50% n/a
2009 -8.80% n/a
2008 -16.33% n/a
2007 8.95% n/a
2006 18.52% n/a
2005 3.78% n/a
2004 16.64% n/a
2003 -12.59% n/a
2002 -13.70% n/a
2001 n/a n/a
2000 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 7.74 5.59
3 12.75 5.87
5 9.09 5.63
7 11.78 5.93
10 9.99 6.14
Last month 3.91
Last quarter 7.38

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2009 1 1
2010 1.117 1.0812
2011 1.246572 1.1736426
2012 1.1883570876 1.24652580546
2013 1.4352976904033 1.3386440624835
2014 1.6774324107743 1.4458694518884
2015 1.8049172739932 1.5399955532064
2016 1.8083466168137 1.6250033077433
2017 2.0745352388087 1.7225035062079
2018 2.405008702351 1.8286097221904
2019 2.5911563759129 1.9308290056608

Australian Shares 20 year annual return

Year Annual return Industry median
2019 7.74% n/a
2018 15.93% n/a
2017 14.72% n/a
2016 0.19% n/a
2015 7.60% n/a
2014 16.87% n/a
2013 20.78% n/a
2012 -4.67% n/a
2011 11.60% n/a
2010 11.70% n/a
2009 -14.20% n/a
2008 -13.96% n/a
2007 26.75% n/a
2006 22.29% n/a
2005 26.03% n/a
2004 21.40% n/a
2003 0.76% n/a
2002 0.10% n/a
2001 n/a n/a
2000 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 8.37 4.59
3 11.34 4.87
5 11.38 4.63
7 10.18 4.93
10 9.14 5.14
Last month 1.15
Last quarter 2.26

Direct Property estimated growth

Year Direct Property Return objective Industry median
2009 1 1
2010 1.043 1.0712
2011 1.132698 1.1520756
2012 1.2160645728 1.21209873876
2013 1.2876907761379 1.2895518481668
2014 1.3984321828858 1.3799494327233
2015 1.5328215156611 1.4559846464663
2016 1.7371466236987 1.5217951524866
2017 1.9619333968053 1.5975805510804
2018 2.2118837115583 1.6796961914059
2019 2.3970183782158 1.7567942465915

Direct Property 20 year annual return

Year Annual return Industry median
2019 8.37% n/a
2018 12.74% n/a
2017 12.94% n/a
2016 13.33% n/a
2015 9.61% n/a
2014 8.60% n/a
2013 5.89% n/a
2012 7.36% n/a
2011 8.60% n/a
2010 4.30% n/a
2009 -11.80% n/a
2008 8.93% n/a
2007 12.56% n/a
2006 16.17% n/a
2005 11.07% n/a
2004 10.53% n/a
2003 9.15% n/a
2002 7.98% n/a
2001 n/a n/a
2000 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 5.53 2.09
3 3.14 2.37
5 3.66 2.13
7 4.18 2.43
10 5.83 2.64
Last month 0.99
Last quarter 2.15

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2009 1 1
2010 1.11 1.0512
2011 1.1877 1.1095416
2012 1.32274149 1.14515788536
2013 1.402635075996 1.1954303165273
2014 1.4717849852426 1.255440918417
2015 1.5434609140239 1.2995068946534
2016 1.6059710810419 1.329005701162
2017 1.6343967691763 1.3614334402704
2018 1.6693728600367 1.3966945663734
2019 1.7616891791967 1.4258854828106

Fixed Interest 20 year annual return

Year Annual return Industry median
2019 5.53% n/a
2018 2.14% n/a
2017 1.77% n/a
2016 4.05% n/a
2015 4.87% n/a
2014 4.93% n/a
2013 6.04% n/a
2012 11.37% n/a
2011 7.00% n/a
2010 11.00% n/a
2009 4.40% n/a
2008 5.29% n/a
2007 3.15% n/a
2006 2.85% n/a
2005 9.27% n/a
2004 4.04% n/a
2003 11.20% n/a
2002 4.66% n/a
2001 n/a n/a
2000 n/a n/a

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

Cash

Cash average returns

Year Cash Return objective Industry median
1 2 1.59
3 2 1.87
5 2.24 1.63
7 2.49 1.93
10 3.05 2.14
Last month 0.15
Last quarter 0.48

Cash estimated growth

Year Cash Return objective Industry median
2009 1 1
2010 1.04 1.0312
2011 1.09096 1.0678076
2012 1.13678032 1.08072807196
2013 1.175317172848 1.1065574728798
2014 1.2085786488396 1.1399755085608
2015 1.2421771352773 1.1571891387401
2016 1.2724862573781 1.1689924679552
2017 1.2989539715316 1.1915540225868
2018 1.323893887785 1.2163383462566
2019 1.3503717655407 1.2356781259621

Cash 20 year annual return

Year Annual return Industry median
2019 2.00% n/a
2018 1.92% n/a
2017 2.08% n/a
2016 2.44% n/a
2015 2.78% n/a
2014 2.83% n/a
2013 3.39% n/a
2012 4.20% n/a
2011 4.90% n/a
2010 4.00% n/a
2009 3.10% n/a
2008 4.37% n/a
2007 5.58% n/a
2006 4.97% n/a
2005 4.80% n/a
2004 4.46% n/a
2003 4.42% n/a
2002 3.57% n/a
2001 n/a n/a
2000 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 6.88 4.59
3 9.86 4.87
5 9.2 4.63
7 11.13 4.93
10 10.35 5.14
Last month 2.72
Last quarter 3.9

Balanced estimated growth

Year Balanced Return objective Industry median
2009 1 1
2010 1.116 1.0612
2011 1.24434 1.1307086
2012 1.278808218 1.17831143206
2013 1.5114234328542 1.241822418248
2014 1.7234761404836 1.3164559455847
2015 1.9240887632359 1.3758281087306
2016 2.0181767037582 1.4312739815125
2017 2.2738796921243 1.5025514257918
2018 2.5035415410289 1.5797825690775
2019 2.6757851990517 1.6522945889981

Balanced 20 year annual return

Year Annual return Industry median
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 7.13 5.59
3 11.08 5.87
5 9.94 5.63
7 12.58 5.93
10 11.13 6.14
Last month 3.23
Last quarter 4.35

Growth estimated growth

Year Growth Return objective Industry median
2009 1 1
2010 1.117 1.0712
2011 1.25104 1.1520756
2012 1.253792288 1.21209873876
2013 1.5318834174784 1.2895518481668
2014 1.7887802665895 1.3799494327233
2015 2.0184596528196 1.4559846464663
2016 2.0969777333143 1.5292206741836
2017 2.4048140645648 1.6209739146346
2018 2.6820891262092 1.7208259077761
2019 2.8733220809079 1.8170200760207

Growth 20 year annual return

Year Annual return Industry median
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 6.45 5.09
3 9.59 5.37
5 9.06 5.13
7 10.94 5.43
10 10.26 5.64
Last month 2.5
Last quarter 3.68

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2009 1 1
2010 1.111 1.0712
2011 1.25543 1.1520756
2012 1.284179347 1.21209873876
2013 1.5274029153218 1.2895518481668
2014 1.7216885661507 1.3799494327233
2015 1.9060814115855 1.4559846464663
2016 2.0181589985867 1.5254351141027
2017 2.2766851663057 1.609181501867
2018 2.4950192737544 1.7001002567225
2019 2.6559480169115 1.7866353597896

Alternative Growth 20 year annual return

Year Annual return Industry median
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 9.37 4.59
3 9.38 4.87
5 8.69 4.63
7 10.73 4.93
10 9.98 5.14
Last month 2.4
Last quarter 3.87

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2009 1 1
2010 1.108 1.0612
2011 1.228772 1.1307086
2012 1.2684613356 1.17831143206
2013 1.5022387597511 1.241822418248
2014 1.7068436788292 1.3164559455847
2015 1.8916948492464 1.3758281087306
2016 1.9783344733419 1.4312739815125
2017 2.1805202565174 1.5025514257918
2018 2.3665186343983 1.5797825690775
2019 2.5882614304415 1.6522945889981

Sustainable Balanced 20 year annual return

Year Annual return Industry median
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 5.52 4.09
3 7.41 4.37
5 6.95 4.13
7 8.63 4.43
10 8.56 4.64
Last month 2.03
Last quarter 3.02

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2009 1 1
2010 1.108 1.0562
2011 1.2188 1.1201001
2012 1.27340224 1.16165581371
2013 1.464030555328 1.2184607830004
2014 1.6239026919698 1.285719818222
2015 1.7676180802091 1.3372771829327
2016 1.834257281833 1.3844830674903
2017 2.0090620007917 1.4465079089138
2018 2.1539153710488 1.5134812250965
2019 2.2728114995307 1.575382607203

Conservative Balanced 20 year annual return

Year Annual return Industry median
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 4.96 3.59
3 6.05 3.87
5 5.95 3.63
7 7.19 3.93
10 7.56 4.14
Last month 1.5
Last quarter 2.43

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2009 1 1
2010 1.105 1.0512
2011 1.205555 1.1095416
2012 1.274994968 1.14515788536
2013 1.4246793772432 1.1954303165273
2014 1.5521881815065 1.255440918417
2015 1.6693783892102 1.2995068946534
2016 1.73748902749 1.3388819535614
2017 1.8672794578435 1.3920355671178
2018 1.9742745707779 1.449387432483
2019 2.0721985894885 1.5014204413092

Capital Stable 20 year annual return

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

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

Capital Guaranteed

Capital Guaranteed average returns

Year Capital Guaranteed Return objective Industry median
1 1.89 2.09
3 1.85 2.37
5 2.31 2.13
7 2.05 2.43
10 2.28 2.64
Last month 0.17
Last quarter 0.49

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2009 1 1
2010 1.028 1.0412
2011 1.061924 1.0885746
2012 1.0873039836 1.11263209866
2013 1.0976333714442 1.1503503268046
2014 1.1178298254788 1.1965944099421
2015 1.1559478225276 1.2266289296317
2016 1.1861180606956 1.2483402616861
2017 1.2101962573277 1.2787997640713
2018 1.2300434759479 1.3119206779607
2019 1.2532912976433 1.3393398201301

Capital Guaranteed 20 year annual return

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

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

Overseas Shares

Overseas Shares average returns

Year Overseas Shares Return objective Industry median
1 7.22 5.59
3 13.27 5.87
5 12 5.63
7 16.16 5.93
10 13.04 6.14
Last month 5.13
Last quarter 4.18

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2009 1 1
2010 1.108 1.0812
2011 1.214368 1.1736426
2012 1.1942094912 1.24652580546
2013 1.6126604969165 1.3386440624835
2014 1.9332574037035 1.4458694518884
2015 2.3556741464127 1.5399955532064
2016 2.3450736127538 1.6250033077433
2017 2.8361320272645 1.7225035062079
2018 3.1776023233471 1.8286097221904
2019 3.4070252110928 1.9308290056608

Overseas Shares 20 year annual return

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

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

Australian Shares

Australian Shares average returns

Year Australian Shares Return objective Industry median
1 7.74 5.59
3 13.28 5.87
5 9.75 5.63
7 12.92 5.93
10 11.09 6.14
Last month 3.91
Last quarter 7.38

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2009 1 1
2010 1.134 1.0812
2011 1.283688 1.1736426
2012 1.2234830328 1.24652580546
2013 1.5061076133768 1.3386440624835
2014 1.7981418796106 1.4458694518884
2015 1.9452298853627 1.5399955532064
2016 1.9699343049068 1.6250033077433
2017 2.2918215703286 1.7225035062079
2018 2.6569087464819 1.8286097221904
2019 2.8625534834596 1.9308290056608

Australian Shares 20 year annual return

Year Annual return Industry median
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 8.37 4.59
3 11.99 4.87
5 12.34 4.63
7 11.18 4.93
10 10.12 5.14
Last month 1.15
Last quarter 2.26

Direct Property estimated growth

Year Direct Property Return objective Industry median
2009 1 1
2010 1.051 1.0712
2011 1.152947 1.1520756
2012 1.2494486639 1.21209873876
2013 1.3371599601058 1.2895518481668
2014 1.465794748268 1.3799494327233
2015 1.6258595347788 1.4559846464663
2016 1.8674622616469 1.5217951524866
2017 2.1466478697632 1.5975805510804
2018 2.420130808371 1.6796961914059
2019 2.6226957570316 1.7567942465915

Direct Property 20 year annual return

Year Annual return Industry median
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 5.53 2.09
3 3.29 2.37
5 3.99 2.13
7 4.67 2.43
10 6.59 2.64
Last month 0.99
Last quarter 2.15

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2009 1 1
2010 1.128 1.0512
2011 1.219368 1.1095416
2012 1.3747154832 1.14515788536
2013 1.4699832661858 1.1954303165273
2014 1.555830288931 1.255440918417
2015 1.6404674566489 1.2995068946534
2016 1.71724133362 1.329005701162
2017 1.7555358153597 1.3614334402704
2018 1.7931042818084 1.3966945663734
2019 1.8922629485925 1.4258854828106

Fixed Interest 20 year annual return

Year Annual return Industry median
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 2 1.59
3 2.12 1.87
5 2.45 1.63
7 2.8 1.93
10 3.5 2.14
Last month 0.15
Last quarter 0.48

Cash estimated growth

Year Cash Return objective Industry median
2009 1 1
2010 1.047 1.0312
2011 1.106679 1.0678076
2012 1.1627876253 1.08072807196
2013 1.21104331175 1.1065574728798
2014 1.2502811150506 1.1399755085608
2015 1.2905401669553 1.1571891387401
2016 1.3248685353963 1.1689924679552
2017 1.3570628408064 1.1915540225868
2018 1.3831184473499 1.2163383462566
2019 1.4107808162969 1.2356781259621

Cash 20 year annual return

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

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

Pension

Balanced

Balanced average returns

Year Balanced Return objective Industry median
1 7.5 4.59 7.95
3 10.41 4.87 9.53
5 9.52 4.63 8.41
7 11.36 4.93 10.52
10 10.51 5.14 9.57
Last month 2.71
Last quarter 4.28

Balanced estimated growth

Year Balanced Return objective Industry median
2009 1 1 1
2010 1.116 1.0612 1.1102
2011 1.24434 1.1307086 1.22410652
2012 1.278808218 1.17831143206 1.238550976936
2013 1.5114234328542 1.241822418248 1.4451412798889
2014 1.7234761404836 1.3164559455847 1.6408134091859
2015 1.9240887632359 1.3758281087306 1.8070278075364
2016 2.0181767037582 1.4312739815125 1.8626842640085
2017 2.2738796921243 1.5025514257918 2.0718637068567
2018 2.5260529499809 1.5797825690775 2.2773925865769
2019 2.7155069212295 1.6522945889981 2.4584452972097

Balanced 20 year annual return

Year Annual return Industry median
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 7.98 5.59 8.14
3 11.72 5.87 11.01
5 10.32 5.63 9.56
7 12.86 5.93 11.92
10 11.33 6.14 10.38
Last month 3.25
Last quarter 4.87

Growth estimated growth

Year Growth Return objective Industry median
2009 1 1 1
2010 1.117 1.0712 1.1177
2011 1.25104 1.1520756 1.2428824
2012 1.253792288 1.21209873876 1.22784352296
2013 1.5318834174784 1.2895518481668 1.4666590881757
2014 1.7887802665895 1.3799494327233 1.7000045491045
2015 2.0184596528196 1.4559846464663 1.8955050722515
2016 2.0969777333143 1.5292206741836 1.9485792142745
2017 2.4048140645648 1.6209739146346 2.2040379492659
2018 2.7073396738871 1.7208259077761 2.4645552348692
2019 2.9233853798633 1.8170200760207 2.6651700309875

Growth 20 year annual return

Year Annual return Industry median
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 6.81 5.09 7.95
3 10.15 5.37 9.53
5 9.39 5.13 8.41
7 11.19 5.43 10.52
10 10.43 5.64 9.57
Last month 2.55
Last quarter 4.15

Alternative Growth estimated growth

Year Alternative Growth Return objective Industry median
2009 1 1 1
2010 1.111 1.0712 1.1102
2011 1.25543 1.1520756 1.22410652
2012 1.284179347 1.21209873876 1.238550976936
2013 1.5274029153218 1.2895518481668 1.4451412798889
2014 1.7216885661507 1.3799494327233 1.6408134091859
2015 1.9060814115855 1.4559846464663 1.8070278075364
2016 2.0181589985867 1.5254351141027 1.8626842640085
2017 2.2766851663057 1.609181501867 2.0718637068567
2018 2.524843849433 1.7001002567225 2.2773925865769
2019 2.6967857155794 1.7866353597896 2.4584452972097

Alternative Growth 20 year annual return

Year Annual return Industry median
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 10.6 4.59 7.35
3 10.15 4.87 8.41
5 9.14 4.63 6.86
7 11.06 4.93 9.01
10 10.21 5.14 7.99
Last month 2.66
Last quarter 4.54

Sustainable Balanced estimated growth

Year Sustainable Balanced Return objective Industry median
2009 1 1 1
2010 1.108 1.0612 1.086
2011 1.228772 1.1307086 1.1704908
2012 1.2684613356 1.17831143206 1.17294883068
2013 1.5022387597511 1.241822418248 1.3666026826253
2014 1.7068436788292 1.3164559455847 1.5297750429307
2015 1.8916948492464 1.3758281087306 1.6720441219233
2016 1.9783344733419 1.4312739815125 1.6807387513573
2017 2.1805202565174 1.5025514257918 1.8237696190978
2018 2.3898502011431 1.5797825690775 1.9815256911497
2019 2.6431743224642 1.6522945889981 2.1271678294493

Sustainable Balanced 20 year annual return

Year Annual return Industry median
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 6.1 4.09 7.29
3 7.98 4.37 7.71
5 7.29 4.13 7.1
7 8.87 4.43 8.39
10 8.73 4.64 8.35
Last month 2.06
Last quarter 3.41

Conservative Balanced estimated growth

Year Conservative Balanced Return objective Industry median
2009 1 1 1
2010 1.108 1.0562 1.1054
2011 1.2188 1.1201001 1.20632302
2012 1.27340224 1.16165581371 1.244684092036
2013 1.464030555328 1.2184607830004 1.4015142876325
2014 1.6239026919698 1.285719818222 1.5558210107009
2015 1.7676180802091 1.3372771829327 1.6841762440837
2016 1.834257281833 1.3844830674903 1.742448742129
2017 2.0090620007917 1.4465079089138 1.880799172254
2018 2.1760150530575 1.5134812250965 2.0220471900903
2019 2.308751971294 1.575382607203 2.1694544302479

Conservative Balanced 20 year annual return

Year Annual return Industry median
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 5.54 3.59 6.33
3 6.48 3.87 5.7
5 6.21 3.63 5.48
7 7.37 3.93 6.38
10 7.69 4.14 6.85
Last month 1.54
Last quarter 2.74

Capital Stable estimated growth

Year Capital Stable Return objective Industry median
2009 1 1 1
2010 1.105 1.0512 1.0932
2011 1.205555 1.1095416 1.18032804
2012 1.274994968 1.14515788536 1.236865753116
2013 1.4246793772432 1.1954303165273 1.3499152829508
2014 1.5521881815065 1.255440918417 1.4602033615679
2015 1.6693783892102 1.2995068946534 1.5529262750274
2016 1.73748902749 1.3388819535614 1.6094527914384
2017 1.8672794578435 1.3920355671178 1.704088615575
2018 1.987158799037 1.449387432483 1.7921899970003
2019 2.0972473965037 1.5014204413092 1.9056356238104

Capital Stable 20 year annual return

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

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

Capital Guaranteed

Capital Guaranteed average returns

Year Capital Guaranteed Return objective Industry median
1 2.28 2.09
3 2.1 2.37
5 2.46 2.13
7 2.15 2.43
10 2.36 2.64
Last month 0.2
Last quarter 0.58

Capital Guaranteed estimated growth

Year Capital Guaranteed Return objective Industry median
2009 1 1
2010 1.028 1.0412
2011 1.061924 1.0885746
2012 1.0873039836 1.11263209866
2013 1.0976333714442 1.1503503268046
2014 1.1178298254788 1.1965944099421
2015 1.1559478225276 1.2266289296317
2016 1.1861180606956 1.2483402616861
2017 1.2101962573277 1.2787997640713
2018 1.234037123597 1.3119206779607
2019 1.2621731700151 1.3393398201301

Capital Guaranteed 20 year annual return

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

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

Overseas Shares

Overseas Shares average returns

Year Overseas Shares Return objective Industry median
1 8.28 5.59
3 14.28 5.87
5 12.6 5.63
7 16.61 5.93
10 13.35 6.14
Last month 5.77
Last quarter 4.74

Overseas Shares estimated growth

Year Overseas Shares Return objective Industry median
2009 1 1
2010 1.108 1.0812
2011 1.214368 1.1736426
2012 1.1942094912 1.24652580546
2013 1.6126604969165 1.3386440624835
2014 1.9332574037035 1.4458694518884
2015 2.3556741464127 1.5399955532064
2016 2.3450736127538 1.6250033077433
2017 2.8361320272645 1.7225035062079
2018 3.2320560582706 1.8286097221904
2019 3.4996702998954 1.9308290056608

Overseas Shares 20 year annual return

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

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

Australian Shares

Australian Shares average returns

Year Australian Shares Return objective Industry median
1 8.8 5.59
3 14.27 5.87
5 10.33 5.63
7 13.34 5.93
10 11.38 6.14
Last month 4.45
Last quarter 8.44

Australian Shares estimated growth

Year Australian Shares Return objective Industry median
2009 1 1
2010 1.134 1.0812
2011 1.283688 1.1736426
2012 1.2234830328 1.24652580546
2013 1.5061076133768 1.3386440624835
2014 1.7981418796106 1.4458694518884
2015 1.9452298853627 1.5399955532064
2016 1.9699343049068 1.6250033077433
2017 2.2918215703286 1.7225035062079
2018 2.7011409027893 1.8286097221904
2019 2.9388413022347 1.9308290056608

Australian Shares 20 year annual return

Year Annual return Industry median
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 8.79 4.59
3 12.5 4.87
5 12.65 4.63
7 11.39 4.93
10 10.27 5.14
Last month 1.1
Last quarter 2.37

Direct Property estimated growth

Year Direct Property Return objective Industry median
2009 1 1
2010 1.051 1.0712
2011 1.152947 1.1520756
2012 1.2494486639 1.21209873876
2013 1.3371599601058 1.2895518481668
2014 1.465794748268 1.3799494327233
2015 1.6258595347788 1.4559846464663
2016 1.8674622616469 1.5217951524866
2017 2.1466478697632 1.5975805510804
2018 2.4437439349384 1.6796961914059
2019 2.6585490268195 1.7567942465915

Direct Property 20 year annual return

Year Annual return Industry median
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 6.41 2.09
3 3.7 2.37
5 4.24 2.13
7 4.85 2.43
10 6.71 2.64
Last month 1.04
Last quarter 2.4

Fixed Interest estimated growth

Year Fixed Interest Return objective Industry median
2009 1 1
2010 1.128 1.0512
2011 1.219368 1.1095416
2012 1.3747154832 1.14515788536
2013 1.4699832661858 1.1954303165273
2014 1.555830288931 1.255440918417
2015 1.6404674566489 1.2995068946534
2016 1.71724133362 1.329005701162
2017 1.7555358153597 1.3614334402704
2018 1.7994242107437 1.3966945663734
2019 1.9147673026524 1.4258854828106

Fixed Interest 20 year annual return

Year Annual return Industry median
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 2.39 1.59
3 2.36 1.87
5 2.59 1.63
7 2.91 1.93
10 3.58 2.14
Last month 0.18
Last quarter 0.57

Cash estimated growth

Year Cash Return objective Industry median
2009 1 1
2010 1.047 1.0312
2011 1.106679 1.0678076
2012 1.1627876253 1.08072807196
2013 1.21104331175 1.1065574728798
2014 1.2502811150506 1.1399755085608
2015 1.2905401669553 1.1571891387401
2016 1.3248685353963 1.1689924679552
2017 1.3570628408064 1.1915540225868
2018 1.3877324610086 1.2163383462566
2019 1.4208992668268 1.2356781259621

Cash 20 year annual return

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

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

All options at a glance

Compound average returns (after investment fees, indirect costs and tax) as at: 30 September 2019.

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 8.71% 9.98% 8.73% 8.95% 6.67% 1.85% 1.17%
Growth 9.27% 11.15% 9.38% 10.01% 6.84% 2.05% 1.39%
Alternative Growth 8.76% 9.86% 8.57% 8.51% 6.08% 1.62% 1.08%
Sustainable Balanced 8.24% 9.56% 8.20% 8.76% 7.97% 1.59% 1.20%
Conservative Balanced 7.16% 7.57% 6.56% 6.71% 5.34% 1.40% 0.85%
Capital Stable 6.35% 6.34% 5.53% 5.51% 4.88% 1.16% 0.60%
Capital Guaranteed 2.12% 1.88% 2.06% 1.76% 1.93% 0.48% 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 11.04% 14.21% 10.96% 11.56% 5.40% 2.03% 1.29%
Australian Shares 8.51% 11.08% 9.73% 11.78% 9.35% 3.09% 2.59%
Direct Property 9.27% 10.29% 11.17% 10.62% 7.75% 1.36% 0.77%
Fixed Interest 5.61% 3.99% 3.62% 3.24% 6.16% 1.16% 0.13%
Cash 2.97% 2.42% 2.18% 1.93% 1.83% 0.35% 0.10%

All options at a glance

Compound average returns (after investment fees, indirect costs and tax) as at: 30 September 2019.

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 9.73% 10.92% 9.55% 9.75% 7.47% 2.05% 1.30%
Growth 10.31% 12.30% 10.34% 10.92% 7.87% 2.28% 1.58%
Alternative Growth 9.68% 10.76% 9.47% 9.48% 6.69% 1.85% 1.26%
Sustainable Balanced 9.32% 10.67% 9.09% 9.78% 9.27% 1.71% 1.27%
Conservative Balanced 8.07% 8.48% 7.29% 7.50% 6.08% 1.60% 0.98%
Capital Stable 7.15% 7.07% 6.18% 6.14% 5.55% 1.34% 0.70%
Capital Guaranteed 2.36% 2.20% 2.45% 2.12% 2.32% 0.57% 0.18%
Asset class option 10 yrs (p.a.) 7 yrs (p.a.) 5 yrs (p.a.) 3 yrs (p.a.) 1 yr 3 months Last month
Overseas Shares 12.40% 15.86% 12.18% 13.28% 6.18% 2.18% 1.38%
Australian Shares 9.62% 12.56% 11.03% 13.11% 10.70% 3.51% 2.95%
Direct Property 10.43% 11.50% 12.40% 11.71% 8.16% 1.55% 0.85%
Fixed Interest 6.46% 4.63% 4.21% 3.84% 7.16% 1.36% 0.15%
Cash 3.48% 2.80% 2.52% 2.28% 2.17% 0.40% 0.12%

All options at a glance

Compound average returns (after investment fees, indirect costs and tax) as at: 30 September 2019.

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 9.54% 10.65% 9.18% 9.14% 6.67% 1.85% 1.17%
Growth 10.09% 11.99% 9.91% 10.19% 6.84% 2.05% 1.39%
Alternative Growth 9.49% 10.48% 9.09% 8.85% 6.08% 1.62% 1.08%
Sustainable Balanced 9.07% 10.32% 8.61% 8.97% 7.97% 1.59% 1.20%
Conservative Balanced 7.88% 8.21% 6.91% 6.87% 5.34% 1.40% 0.85%
Capital Stable 7.01% 6.86% 5.89% 5.65% 4.88% 1.16% 0.60%
Capital Guaranteed 2.28% 2.08% 2.28% 1.84% 1.93% 0.48% 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 12.09% 15.39% 11.55% 12.22% 5.40% 2.03% 1.29%
Australian Shares 9.29% 12.08% 10.36% 11.98% 9.35% 3.09% 2.59%
Direct Property 10.26% 11.25% 12.05% 11.14% 7.75% 1.36% 0.77%
Fixed Interest 6.32% 4.42% 3.92% 3.37% 6.16% 1.16% 0.13%
Cash 3.40% 2.69% 2.37% 2.02% 1.83% 0.35% 0.10%