Balanced Index
Offers a diversified portfolio of listed assets with around 75% growth assets (Australian and international shares).
Option: Balanced Index
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Summary
10-year returns as at 30 September 2025
8.02% p.a.
Returns over the last 10 years1
5+ years
Suggested timeframe
Who it suits
Suitable if you're an investor who:
- wants a diversified portfolio with around 75% growth assets (Australian and international shares)
- wants to grow your super over the long term and wants an option that's lower cost than an actively managed option
- is prepared to accept the option can have negative returns over the shorter term and has a higher allocation to growth assets than the Balanced option. It invests in listed asset classes that follow market indices and so will generally have lower fees than some of the actively managed diversified options
- is prepared to accept the option may not be suitable if you have a low risk tolerance, are seeking to preserve your super, or are likely to need access to your super in the next few years.
Risk3
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Expected number of years of negative annual returns in any 20 years: 4 to less than 6. The risk is based on the standard risk measure (SRM)^.
Investment objective
Accumulation and TTR Income accounts:
CPI + 3.0% p.a.
Retirement Income accounts:
CPI + 3.5% p.a.
Option size
Super assets:
$2.2 billion
Pension assets:
$1.3 billion
^For more definitions
Balanced Index performance
As at 30 September 20251
World share markets delivered strong returns over the September quarter, buoyed by the US Federal Reserve’s first rate cut of the year in September, and the delivery of strong earnings reports by AI/tech firms. Australian equities held up well through the quarter, benefiting from global tailwinds and robust domestic sectors. Materials led the gains, as mining shares rose sharply, followed by utilities and consumer discretionary.
Global bonds outperformed Australian bond markets over the quarter, while non-government bonds generally outperformed government securities.
The Balanced Index option’s 10-year return for Accumulation accounts of 8.02% is comfortably above the option’s return objective of CPI+3.0% p.a.
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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.
Balanced Index asset allocation
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From 1 July 2025. For more information on these asset classes, strategic asset allocations, and allowable ranges, read the PDS that applies to you.
Benchmark: The market indices followed for each asset class are the same market indices we show for the Australian Shares Index, International Shares Unhedged Index, Bonds Index, and Cash options, although the proportions may differ. Currency is partially hedged for this option.
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