Returns over the last 10 years1
Suggested timeframe
Fees 2 + admin fees and costs
Suitable if you're an investor who:
Expected number of years of negative annual returns in any 20 years: 1 to less than 2. The risk is based on the standard risk measure (SRM).
| Accumulation and TTR Income accounts: | CPI + 1.5% p.a. |
| Retirement Income accounts: | CPI + 2.0% p.a. |
| Super assets: | $5.8 billion |
| Pension assets: | $5.9 billion |
As at 31 December 20241
Our Conservative option for Accumulation accounts produced a 1.09% return for the December quarter and a 6.68% return over the year to December 2024. Longer term returns are above the option’s CPI+ 1.5% return objective, with the Conservative option posting returns of 4.87% p.a. over the 10 years to the end of December 2024.
Both global and Australian fixed income returns were negative for the quarter. In the wake of the US election result, the prospect of US tax cuts, even wider budget deficits, and the likely inflationary impact of broad-based trade tariffs drove bond prices lower.
The performance of global share markets was mixed over the December quarter, with strong gains in US and Japanese shares offsetting negative returns in Australia, Europe, and the UK. A weaker Australian dollar against a range of developed market currencies boosted the returns from unhedged international shares over the quarter and the year to December 2024.
Our unlisted assets portfolios outperformed public markets over the December quarter.
In the SuperRatings survey for December 2024, the performance of our Conservative option was slightly ahead of the median fund over the quarter, and comfortably above the median over 1, 3, 5, 7, and 10 years to the end of December 2024.
| Accumulation accounts | Retirement Income accounts4 | |
|---|---|---|
| 10 years (p.a.) | 4.87% | 5.50% |
| 7 years (p.a.) | 4.43% | 5.01% |
| 5 years (p.a.) | 3.96% | 4.45% |
| 3 years (p.a.) | 3.50% | 4.00% |
| 1 year | 6.68% | 7.64% |
| 3 months | 1.09% | 1.24% |
Past performance isn't a reliable indicator of future performance. Returns shown are after investment fees and costs, transaction costs and investment taxes (where relevant) but before all other fees and costs.
Returns shown here for our Accumulation account are also the returns that apply for Transition to Retirement Income accounts. Tax generally doesn't apply to investment earnings in Retirement Income accounts.
| Strategic asset allocation5 | |
|---|---|
|
Australian shares
|
9.0% |
|
International shares
|
8.5% |
|
Unlisted assets and alternatives
|
23.5% |
|
Fixed income
|
40.0% |
|
Cash
|
19.0% |
| Total | 100% |
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