Your investment options
Your 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.
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All options
See a snapshot of all of our Managed and Asset class investment options.
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Managed
Invest in a pre-mixed combination of assets, such as shares, property, fixed interest, cash and more.
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Asset class
Invest in one of our six asset classes or make up your own mix.
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Your own way
Choose your own investments from ASX300 shares, Exchange Traded Funds (ETFs), term deposits and more.
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Balanced
This option invests in a diversified mix of assets prioritising Australian and Overseas shares, property and infrastructure. 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 optionGrowth and defensive asset class mix69% Growth31% DefensiveGrowth and defensive asset class mix68% Growth32% Defensive8.04 %10-year average annual super return as at 30 June 20238.68 %10-year average annual pension return as at 30 June 2023 -
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 optionGrowth and defensive asset class mix83% Growth17% DefensiveGrowth and defensive asset class mix80% Growth20% Defensive8.95 %10-year average annual super return as at 30 June 20239.76 %10-year average annual pension return as at 30 June 2023 -
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 optionGrowth and defensive asset class mix69% Growth31% DefensiveGrowth and defensive asset class mix67% Growth33% Defensive7.77 %10-year average annual super return as at 30 June 20238.35 %10-year average annual pension return as at 30 June 2023 -
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 optionGrowth and defensive asset class mix69% Growth31% DefensiveGrowth and defensive asset class mix68% Growth32% Defensive7.99 %10-year average annual super return as at 30 June 20238.81 %10-year average annual pension return as at 30 June 2023 -
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 optionGrowth and defensive asset class mix50% Growth50% DefensiveGrowth and defensive asset class mix49% Growth51% Defensive5.85 %10-year average annual super return as at 30 June 20236.48 %10-year average annual pension return as at 30 June 2023 -
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 optionGrowth and defensive asset class mix36% Growth64% DefensiveGrowth and defensive asset class mix35% Growth65% Defensive4.74 %10-year average annual super return as at 30 June 20235.27 %10-year average annual pension return as at 30 June 2023 -
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 optionGrowth and defensive asset class mix100% Growth0% DefensiveGrowth and defensive asset class mix100% Growth0% Defensive10.70 %10-year average annual super return as at 30 June 202311.74 %10-year average annual pension return as at 30 June 2023 -
Australian Shares
The Australian Shares option invests mainly in shares of Australian companies listed on the Australian Securities Exchange (ASX). To provide diversification, a number of different investment managers with varying approaches are appointed.
More details on this optionGrowth and defensive asset class mix100% Growth0% DefensiveGrowth and defensive asset class mix100% Growth0% Defensive9.16 %10-year average annual super return as at 30 June 202310.39 %10-year average annual pension return as at 30 June 2023 -
Direct Property
Property investments mainly include unlisted holdings in commercial buildings (offices or shopping centres), industrial properties or residential but may also include some investments in listed real estate. Property returns come from rental income or changes in capital value over time.
More details on this optionGrowth and defensive asset class mix30% Growth70% DefensiveGrowth and defensive asset class mix30% Growth70% Defensive8.50 %10-year average annual super return as at 30 June 20239.32 %10-year average annual pension return as at 30 June 2023 -
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. Fixed interest investments can be actively traded and have the potential for both positive and negative returns.
More details on this optionGrowth and defensive asset class mix0% Growth100% DefensiveGrowth and defensive asset class mix0% Growth100% Defensive2.14 %10-year average annual super return as at 30 June 20232.46 %10-year average annual pension return as at 30 June 2023 -
Cash
This is generally investments in the short-term money market directly or indirectly through an interposed vehicle and can include cash, term deposits, discounted securities (such as short-term bank bills, commercial paper and short-term fixed interest investments). The cash asset class may include an allocation to short-dated annuities.
More details on this optionGrowth and defensive asset class mix0% Growth100% DefensiveGrowth and defensive asset class mix0% Growth100% Defensive1.81 %10-year average annual super return as at 30 June 20232.10 %10-year average annual pension return as at 30 June 2023 -
Capital Guaranteed
This option invests in capital guaranteed products issued by life insurance companies. This means that the issuing life insurance company guarantees the capital invested as well as the investment returns and not CareSuper. A capital guarantee does not however guarantee the level of future investment performance, other than that it won’t be negative. The asset allocation for this option is mainly made up of capital guaranteed investments. 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 the guarantee.
More details on this optionGrowth and defensive asset class mix0% Growth100% DefensiveGrowth and defensive asset class mix0% Growth100% Defensive1.61 %10-year average annual super return as at 30 June 20231.92 %10-year average annual pension return as at 30 June 2023
Your 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.