Investment options - RI Allocated Pension


Our RI Allocated Pension is a flexible and tax-effective retirement income option, which provides you with a regular income stream from your retirement savings.

To help you grow your super, we offer a range of investment plans targeting different levels of risk and return, designed to give you a choice as to how your money is invested. You can choose one of the four Readymade plans below, or you can pick your own mix of investment assets.

Plan Growth plan
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Balanced plan
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Conservative plan
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Cash plan
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Level of investment risk by Standard Risk Measure bands High
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Medium to high
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Low to medium
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Very low
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Expected return profile High Medium Low Low
Level of investment risk - estimated number of negative annual returns over any 20 year period Less than 6 Less than 4 Less than 2 Negligible probability*
Investment timeframe 10 years 7 years 5 years Around 12 months
Investment return objective CPI** + 4.5% pa over rolling 10 year periods CPI** + 3.0% pa over rolling 7 year periods CPI** + 2.0% pa over rolling 5 year periods At least the Bloomberg AusBond Bank Bill Index over rolling 12 month periods
Statement of fees and other costs+ $465 $400 $285 $130

Net investment returns++ - updated monthly, returns are reported to the period ending 31 October 2017

Plan Growth plan
Plan details
Balanced plan
Plan details
Conservative plan
Plan details
Cash plan
Plan details
Actual returns last month (%) (Oct 2017) 2.17% 1.91% 1.02% 0.16%
Actual returns FYTD (%) 4.29% 3.73% 2.11% 0.60%
Actual returns 1 year (%) 13.00% 11.16% 6.23% 1.89%
Actual returns 3 year (% pa) 7.92% 7.00% 4.79% 2.20%
Actual returns 5 year (% pa) 10.80% 9.39% 6.10% 2.52%
Actual returns 10 year (% pa) 5.13% 5.47% 4.93% 3.40%
Actual returns since inception (% pa) 8.63% 8.10% 6.33% 3.97%

Strategic Asset Allocation (SAA) - approved 7 December 2016

Plan Growth plan
Plan details
Balanced plan
Plan details
Conservative plan
Plan details
Cash plan
Plan details
Australian Shares 27% 21% 10% ...
International Shares 27% 25% 10% ...
Private Equity 6% 4% 2% ...
Property 8% 7% 6% ...
Infrastructure 2% 2% 2% ...
Medium Risk Alternatives 10% 6% 2% ...
Investment Grade Bonds 10% 22% 24% ...
Defensive Alternatives 6% 8% 8% ...
Cash 4% 5% 36% 100%
Plan details Plan details Plan details Plan details

Level of investment risk is defined by Standard Risk Measure. Find out more about the Standard Risk Measure.

* Negligible probability of a negative absolute return over any 12-month period.

** Consumer Price Index.

+ Statement of fees and other costs are based on fees as at 2016/17 financial year. Includes all investment and administration fees and expenses for an account balance of $50,000. For more information, see the Retirement Income Pension Product Information Booklet.

++ RI Allocated Pension returns are reported net of Indirect Cost Ratio (ICR) and inclusive of franking credits. The ICR includes all of the investment costs and any additional underlying costs relating to your investment.

Inception dates RI Allocated Pension Readymade plans: Conservative 4 April 2003, Cash, Balanced and Growth 7 April 2003.

Our schemes are Exempt Public Sector Superannuation Schemes and are regulated by the State and not the Commonwealth.

The State guarantees to pay every benefit payable under a scheme, including the accumulation, retirement and defined benefit schemes. Benefit Payment Guarantee does not include investment market losses.

Performance information should be used as a guide only. The performance of your investment plan is not guaranteed and returns may move up or down depending on market conditions. Past performance should not be relied on as an indication of future performance.