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Balanced Risk-Adjusted

A diversified portfolio with around 60% growth assets. We adjust the risk for this option by holding fewer shares and more bonds.

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Summary

10-yr returns as at 30 September 2024

 

6.58% p.a.

Returns over the last 10 years1

5+ years

Suggested timeframe

0.50% p.a.

Fees2 + admin fees and costs

Who it suits

Suitable if you're an investor who:

  • wants a diversified portfolio with over 60% growth assets where the risk is adjusted by holding fewer shares and more bonds
  • wants to grow your super over the long term and wants a risk-adjusted strategy to weather volatile markets
  • is prepared to accept the option can have negative returns over the shorter term but aims for a smoother ride along the way
  • is prepared to accept medium to high levels of volatility in returns from year to year.

Risk3

 
  • Very low
  • Low
  • Low to medium
  • Medium
  • Medium to high
  • High
  • Very high

Expected number of years of negative annual returns in any 20 years: 3 to less than 4. The risk is based on the standard risk measure (SRM).

Investment objective3

Accumulation and TTR Income accounts: CPI + 3.5% p.a.
Retirement Income accounts: CPI + 4.0% p.a.

Option size

Super assets: $14.6 billion
Pension assets: $18.6 billion

Balanced Risk-Adjusted performance

As at 30 September 20241

Our Balanced Risk-Adjusted (previously QSuper Balanced) option produced returns of 3.7% for the September quarter and 10.5% for the year to September 2024. The 10-year return of 6.6% p.a. is broadly in line with the option’s return objective of CPI+3.5% p.a.

Global share markets in aggregate produced positive returns over the September quarter and very strong returns over the year to September 2024. After disappointing returns in recent years, both Australian and global bonds delivered solid returns over the quarter and the year to September.

The unlisted assets portfolios underperformed public markets over the September quarter and the year to September.

Accumulation accounts Retirement Income accounts4
10 years (p.a.) 6.58% 7.44%
7 years (p.a.) 5.62% 6.58%
5 years (p.a.) 4.27% 5.15%
3 years (p.a.) 3.41% 4.51%
1 year 10.49% 11.72%
3 months 3.72% 4.13%

Past performance isn't a reliable indicator of future performance. Investment returns for this option are after admin fees and costs, investment fees and costs, transaction costs, and where applicable, investment taxes. Investment tax generally doesn't apply to Retirement Income accounts.

This is different to the investment returns for all other options. All other investment options show returns after investment fees and costs, transaction costs and where applicable, investment taxes, but before admin fees and costs. Keep this in mind when comparing returns between options.

Balanced Risk-Adjusted asset allocation

 

 Strategic asset allocation5
Australian shares
22.0%
International shares
22.75%
Unlisted assets and alternatives
29.5%
Fixed income
23.75%
Cash
2.0%
Total 100%

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  1. See our Performance page for the latest available investment performance. Past performance is not a reliable indicator of future performance. This option was previously named QSuper Balanced. We renamed it Balanced Risk-Adjusted on 1 July 2024. Returns shown in the Summary table above are for Accumulation accounts. To show the performance of the Accumulation and Retirement Income accounts, we've used we’ve used QSuper Balanced option returns. For periods up to 30 June 2024, unit prices and investment returns for this option are after admin fees and costs, investment fees and costs, transaction costs and where applicable, investment taxes.
    From 1 July 2024, unit prices and investment performance are after investment fees and costs, transaction costs and where applicable, investment taxes, but before admin fees and costs. You should consider this when comparing returns between options. Investment taxes generally don't apply to Retirement Income accounts.
  2. Fees refers to investment fees and costs and transaction costs.
  3. When reading the objectives and/or risks please also read the information in the PDS that applies to you.
  4. Tax generally doesn't apply to investment earnings in Retirement Income accounts.
  5. From 1 July 2024. For more information on these asset classes, strategic asset allocations, and allowable ranges, read the PDS that applies to you.

Important information

Balanced Risk-Adjusted returns are calculated based on the valuation date unit price.