Maintaining a long-term focus on super investments

Market volatility ups and downs during periods of change can be unsettling – that’s why it’s important to remember super is a long-term investment. For most of us, even for those that are retired, your super’s going to remain an investment for years into the future.

How we’ve performed

According to researcher SuperRatings, the superannuation sector has experienced a median return of -3.44% across balanced funds.* Our Balanced (MySuper) option produced a return of -1.68% for the year ended June 2022.

While we understand that it’s hard to see negative returns in your super, especially for those members nearing retirement, it’s worth remembering that this comes after 12 consecutive years of positive returns and it follows a record return last year of 17.49%.

More importantly, it’s long-term returns that matter. Our Balanced (MySuper) option where most members are invested, delivered an average of 8.7% over the last 10 years, making it one of the top performing funds in Australia.*

Outperforming consistently over 20 years

In keeping that long-term focus, here’s how $100,000 invested in our Balanced (MySuper) option over a 20-year period has grown. Despite several periods of market volatility, our Balanced (MySuper) option has kept our members’ super growing the whole time. For example, if you invested $100,000 10 years ago, your balance will have grown to $221,686, and if invested 20 years ago, your super will have grown to $440,349

20-year performance of the Balanced (MySuper) option, starting with a $100,000 account balance^

20 year performance of the balanced (mysuper) option

We’re focused on navigating market cycles

We’re confident that our proven investment philosophy will continue to transcend short-term bumps in market cycles. In this environment of market fluctuations, our focus remains on delivering the best financial outcomes for members over the long term.

You can also take comfort in knowing our active investment strategy aims to smooth out the ups and downs of market cycles, protecting your capital in volatile times and taking advantage of opportunities when markets rise.

CareSuper Investment update FY 2021/22
Chief Investment Officer, Suzanne Branton, looks back on a year of truly two halves for investments and how our active investment strategy – which includes a deliberate emphasis on downside risk, was able to soften the downturn for our members.
Understanding fixed interest in volatile times
While fixed interest is a lower risk investment, fixed interest returns can still move up and down like other investments. We break down this asset class and explain the benefits and risks of the Fixed Interest option.
We’re here to help
And if you’re concerned about short-term volatility, we can make sure you’re in the best investment option for your goals.

*SuperRatings SR50 Balanced (60-76 Median) Index, June 2022.
^CareSuper investment returns are based on returns less investment fees, the percentage-based administration fee deducted from returns and taxes. Returns don’t include all administration, insurance and other fees and costs that are deducted from account balances. Investment returns aren’t guaranteed. Past performance is not a reliable indicator of future performance.