Our investment options

Suitability and risk

Suits members who want exposure to a range of asset classes and are less comfortable with large fluctuations in the value of their investments.

5 years
Suggested minimum investment time frame
Medium
Summary risk level
Pre-Mixed
Option type
$7.8 billion

Option size1

As at 31 December 2023

Expected frequency of negative annual return
Two to less than three in 20 years
Total investment fees and costs and transaction costs (%)
Super 0.53% | Pension 0.46%

Objective and performance

To invest in a diversified portfolio of assets like fixed interest and cash, shares, property, infrastructure and private equity.

Objective

To achieve returns (after taxes and investment expenses, before deducting account-based fees) that are at least 2.0% p.a. more than inflation (CPI) over the suggested time frame.2

Performance against objective

2
% p.a. over 5 years
As at 31 Mar 2024
CPI + 2.0% Conservative Balanced performance Outperformance
5.8 4.9 -0.9
Performance objectives are not promises or predictions of any particular rate of return.

Performance against peers

2
Compare performance against the median performance of the top funds as identified by SuperRatings.2
% p.a.
As at 31 Mar 2024
Timeframe Conservative Balanced performance SuperRatings median performance Outperformance
1 month 1.42 1.69 -0.27
3 months 3.27 3.67 -0.40
Financial year to date 5.93 7.55 -1.62
1 year 6.88 8.97 -2.09
3 years 5.24 4.65 0.59
5 years 4.86 5.07 -0.21
7 years 5.20 5.33 -0.13
10 years 6.00 5.71 0.29
Periods less than a year are not annualised.

Conservative Balanced option performance ($)

2
As at 23 Apr 2024

Objective

To achieve returns (after taxes and investment expenses, before deducting account-based fees) that are at least 2.0% p.a. more than inflation (CPI) over the suggested time frame.2

Performance against objective

2
% p.a. over 5 years
As at 31 Mar 2024
CPI + 2.0% Conservative Balanced performance Outperformance
5.8 5.5 -0.3
Performance objectives are not promises or predictions of any particular rate of return.

Performance against peers

2
Compare performance against the median performance of the top funds as identified by SuperRatings.2
% p.a.
As at 31 Mar 2024
Timeframe Conservative Balanced performance SuperRatings median performance Outperformance
1 month 1.59 1.92 -0.33
3 months 3.69 4.18 -0.49
Financial year to date 6.72 8.12 -1.40
1 year 7.99 9.93 -1.94
3 years 5.87 5.45 0.42
5 years 5.51 5.81 -0.30
7 years 5.95 6.17 -0.22
10 years 6.87 6.54 0.33
Periods less than a year are not annualised.

Conservative Balanced option performance ($)

2
As at 23 Apr 2024

Allocations

Strategic asset allocation

3
As at 28 September 2023
Asset class Allocation
Cash & Fixed Interest
 46.0%
Australian Shares
 19.0%
International Shares
 17.0%
Property
 9.0%
Infrastructure & Private Equity
 9.0%

Major holdings

4

By value (descending order) as at 31 Dec 2023

5
Australian Shares
  • BHP Group Ltd
  • ASX Ltd
  • Commonwealth Bank of Australia
  • Rio Tinto Ltd
  • Transurban Group
  • CSL Ltd
  • Macquarie Group Ltd
  • National Australia Bank Ltd
  • Wesfarmers Ltd
  • Westpac Banking Corp
Property
  • Karrinyup Shopping Centre WA
  • Australian Core Retail Trust
  • ISPT Core Property Fund
  • Brookfield Place NSW
  • Mirvac Wholesale Office Fund
International Shares
  • Microsoft Corporation
  • National Grid PLC
  • Apple Inc
  • Alphabet Inc
  • Amazon.com Inc
  • Broadcom Inc
  • Dominion Energy Inc
  • Johnson & Johnson
  • NVIDIA Corp
  • Visa Inc
View all holdings

Things you need to know

  1. Size of both accumulation and pension assets.
  2. Past performance is not an indicator of future performance. Option returns are calculated net of investment expenses and taxes but are gross of account-based fees. Due to rounding, excess return may not equate to the difference between option return and median return. The SuperRatings data is based on the SuperRatings survey for the relevant period and does not take into account any subsequent revisions or corrections made by SuperRatings.
  3. The strategic asset allocation may change and may be altered by the trustee from time to time to suit prevailing market circumstances. Actual allocation will deviate from their targets, but are monitored so they are kept within a range approved by the Trustee.
  4. These holdings may change from time to time. The above holdings are the outcome of various strategies applied by UniSuper and by a range of investment managers taking into account a variety of considerations, many of which are specific to UniSuper and superannuation funds in general. The above lists are published for informational purposes only and are not a recommendation or endorsement of any of the companies listed, for inclusion in your personal portfolio. Before selecting companies to invest in personally, you should seek professional financial advice that takes into account your personal circumstances and investment objectives. Value includes direct holdings only and does not include exposures from indirect holdings.
  5. Value includes direct holdings only and does not include exposures from indirect holdings.

This information is of a general nature only and does not take into account your individual objectives, financial situation or needs. You should read the product disclosure statement and booklets relevant to your membership category, consider the appropriateness of the information having regard to your personal circumstances and consider consulting a licensed financial adviser before making an investment decision based on information contained here.

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