Your investment choices

Your investment choices

We’ll help you make powerful choices with more investment options.

No two CareSuper members are the same. That's why we offer 12 different investment options, each with different targets for returns and levels of investment risk, plus a Direct Investment option. This variety lets you mix and match your investments to suit your own goals.

  • All options

    See a snapshot of all of our Managed and Asset class investment options.

  • Managed

    Invest in a pre-mixed combination of assets, such as shares, property, fixed interest, cash and more.

  • Asset class

    Invest in one of our five asset classes or make up your own mix.

  • Your own way

    Choose your own investments from ASX300 shares, Exchange Traded Funds (ETFs), term deposits and more.

  • Balanced

    This option invests in a diversified mix of assets with an emphasis on Australian and overseas shares, property and alternatives. It’s designed to achieve relatively high returns in the medium to long term but is subject to short-term fluctuations in returns. As a super member, this is the option your money goes into if you don’t make an investment choice (our MySuper option).

    More details on this option
    Growth and defensive asset mix
    70% Growth
    30% Defensive
    9.34 %
    10-year average annual super return as at 30 June 2019
  • Growth

    This option mainly invests in growth assets with an emphasis on Australian and overseas shares. It’s designed to achieve long-term capital growth. Returns for this option may display a significant level of volatility with a relatively high risk of capital loss over the short or medium term.

    More details on this option
    Growth and defensive asset mix
    82% Growth
    18% Defensive
    10.12 %
    10-year average annual super return as at 30 June 2019
  • Alternative Growth

    This option invests in a diversified mix of assets with an emphasis on alternatives as well as Australian and overseas shares. It’s designed to achieve long-term capital growth.

    More details on this option
    Growth and defensive asset mix
    70% Growth
    30% Defensive
    9.39 %
    10-year average annual super return as at 30 June 2019
  • Sustainable Balanced

    This option seeks to select investment managers for the Australian and overseas shares asset classes based on a higher degree of focus on environmental, social and governance (ESG) standards, as well as investing in a wide range of other asset classes. It's designed to achieve relatively high returns in the medium to long term.

    More details on this option
    Growth and defensive asset mix
    70% Growth
    30% Defensive
    8.98 %
    10-year average annual super return as at 30 June 2019
  • Conservative Balanced

    This option is designed to achieve a balance of risk and return by investing in a blend of assets, with an emphasis on fixed interest, cash and shares (Australian and overseas).

    More details on this option
    Growth and defensive asset mix
    50% Growth
    50% Defensive
    7.71 %
    10-year average annual super return as at 30 June 2019
  • Capital Stable

    This option invests in a diversified mix of assets, with an emphasis on fixed interest and cash. It’s designed to provide stability of capital over the medium term combined with the potential for limited capital growth.

    More details on this option
    Growth and defensive asset mix
    35% Growth
    65% Defensive
    6.80 %
    10-year average annual super return as at 30 June 2019
  • Capital Guaranteed

    This option invests in the AMP Capital Guaranteed Savings Account managed by AMP Life Limited (AMP). The asset allocation for this option is determined by AMP and is mainly made up of cash with some fixed interest investments. The capital guarantee for this product is provided by AMP. CareSuper itself does not guarantee the security of capital. From time to time, this option may also invest in the term deposits of Authorised Deposit Taking Institutions and hold a modest amount of cash for liquidity purposes. These securities are not covered by AMP’s guarantee.

    More details on this option
    Growth and defensive asset mix
    0% Growth
    100% Defensive
    2.13 %
    10-year average annual super return as at 30 June 2019
  • Overseas Shares

    This option invests in shares listed on the stock exchanges around the world, including both developed and emerging markets.

    More details on this option
    Growth and defensive asset mix
    100% Growth
    0% Defensive
    11.82 %
    10-year average annual super return as at 30 June 2019
  • Australian Shares

    This option invests mainly in shares of Australian companies listed on the Australian Securities Exchange (ASX).

    More details on this option
    Growth and defensive asset mix
    100% Growth
    0% Defensive
    9.99 %
    10-year average annual super return as at 30 June 2019
  • Direct Property

    This option holds units in portfolios focused on core, high-quality properties – mainly CBD office buildings and large shopping centres. Returns may come from both rental income and capital growth.

    More details on this option
    Growth and defensive asset mix
    30% Growth
    70% Defensive
    9.14 %
    10-year average annual super return as at 30 June 2019
  • Fixed Interest

    This option invests in a diversified portfolio of debt securities, mainly fixed-rate bonds issued by Australian and overseas governments and companies, mortgage-backed securities and cash. The investment managers include specialist credit managers and other managers focused on managing sector and interest rate exposures.

    More details on this option
    Growth and defensive asset mix
    0% Growth
    100% Defensive
    5.83 %
    10-year average annual super return as at 30 June 2019
  • Cash

    This option invests in a mix of cash and money-market securities, including at call and term deposits, bank bills, negotiable certificates of deposit, short-dated and floating rate securities issued by Australian and overseas government, banks and companies. This option was previously known as ‘Capital Secure’. Only the name has changed – its objectives and features remain the same.

    More details on this option
    Growth and defensive asset mix
    0% Growth
    100% Defensive
    3.05 %
    10-year average annual super return as at 30 June 2019