Investment options - RI Term Allocated Pension


An RI Term Allocated Pension is a retirement income product that was closed to new members in 2007. A term allocated pension provides you with a regular income stream for a set period of time, that is determined by you.

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. Find out more about making an investment plan choice.

Plan details
Plan Growth plan
Balanced plan
Conservative plan
Cash plan
Product dashboard Product dashboard Product dashboard Product dashboard
Level of investment risk by Standard Risk Measure bands High
6 out of 7
Medium to high
5 out of 7
Low to medium
3 out of 7
Very low
1 out of 7
Investment return objective CPI** + 4.0% 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
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
Statement of fees and other costs+ $515 $440 $320 $170
Plan details Plan details Plan details Plan details
Net investment returns
Plan Growth plan
Balanced plan
Conservative plan
Cash plan
Plan details Plan details Plan details Plan details
Actual returns last month (%) (Sep 2018) -0.11% -0.09% -0.09% 0.11%
Actual returns FYTD (%) 2.30% 2.08% 1.09% 0.39%
Actual returns 1 year (%) 9.44% 8.11% 4.53% 1.41%
Actual returns 3 years (% pa) 8.50% 7.41% 4.48% 1.51%
Actual returns 5 years (% pa) 8.31% 7.29% 4.76% 1.80%
Actual returns 10 years (% pa) 7.71% 7.37% 5.54% 2.71%
Actual returns since inception (% pa) 6.62% 6.88% 5.39% 3.35%
Plan details Plan details Plan details Plan details

Net investment returns++ - updated monthly, returns are reported to the period ending 30 September 2018

Strategic Asset Allocation (SAA)
Plan Growth plan
Balanced plan
Conservative plan
Cash plan
Plan details Plan details Plan details Plan details
Australian Shares
 
28%
 
22%
 
10.5%
 
0%
International Shares
 
28%
 
26%
 
10.5%
 
0%
Private Equity
 
4%
 
2%
 
1%
 
0%
Property
 
8%
 
7%
 
6%
 
0%
Infrastructure
 
2%
 
2%
 
2%
 
0%
Medium Risk Alternatives
 
10%
 
6%
 
2%
 
0%
Investment Grade Bonds
 
10%
 
22%
 
24%
 
0%
Defensive Alternatives
 
6%
 
8%
 
8%
 
0%
Cash
 
4%
 
5%
 
36%
 
100%
Plan details Plan details Plan details Plan details

Strategic Asset Allocation (SAA) - approved 28 August 2018

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 2017/18 financial year. Includes all investment and administration fees and expenses for an account balance of $50,000. For information on other fees and costs such as activity fees (Family Law) and Advice fees (Retirement Options Service), see our service fees article.

++ All returns are reported net of Indirect Cost Ratio (ICR), are based on transactional prices and are inclusive of franking credits. The ICR includes all of the investment costs and any additional underlying costs relating to your investment.

Inception dates RI Term Allocated Pension Readymade plans: Balanced 21 January 2005, Conservative 18 May 2005, Cash 22 July 2005 and Growth 08 November 2005.

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.