Conservative Balanced

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Conservative Balanced

At a glance

Asset classes

Mix of shares (Australian and overseas), fixed interest and cash, and alternatives.

Investment timeframe

Medium to long term 3–5 years


Total estimated Indirect Cost Ratio 2015/16: 0.51%
Buy spread: 0.04%
Sell spread: 0.04%

Return objective

Inflation + 2.5% per year^

Likelihood of negative return

2.2 in every 20 years

  • Risk band

    Risk level

    Risk label
  • 1
    Very low
  • 2
  • 3
    Low to medium
  • 4
  • 5
    Medium to high
  • 6
  • 7
    Very high

Risk level


Asset classes

  • Annual % returns
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Annual returns [PDF]

About the option

The Conservative Balanced option aims 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).

This option is suitable for members seeking returns above the rate of inflation over the long term, but with a more stable pattern of returns than might be experienced by the Balanced option.

What are the option’s objectives?

  • To achieve returns after tax and fees that exceed the inflation rate (as measured by the CPI) by at least 2.5% per year.^
  • To ensure as far as possible that the investment return members receive each year is competitive with comparable options in other super funds.

^Over rolling 10 year periods

Compare to other options

This website contains general advice, not taking into account your objectives, financial situation or needs. Before acting on this advice you should determine if it is appropriate for you. Before acquiring a product, first read its product disclosure statement. Some products and services offered on this website are provided by third parties. The trustee is not responsible for the products or services, views or actions of these third parties. Terms and conditions may apply which should be obtained from the third parties direct. The trustee does not accept liability if loss or damage is incurred from the acquisition of third party products or services. Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments. CARE Super Pty Ltd (Trustee) ABN 91 006 670 060 AFSL 235226 CARE Super (Fund) ABN 98 172 275 725
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