Conservative

This option is designed for members who wish to select a much less aggressive asset allocation in exchange for more stability.

Key information

Investment objective

Achieve a net return of at least 1.5% p.a. above inflation (measured by CPI) over a rolling 5 year period. The investment objectives are not forecasts or predictions. They simply represent a benchmark against which the Trustee monitors performance.

Strategy

Invest mainly in fixed interest securities and cash, which are expected to deliver stable returns over the long term. Invest the balance in shares and property.

Benchmark allocations

Actual asset allocation for each asset class may vary from time to time within the permitted ranges published in the table below.

Minimum investment timeframe

The minimum suggested time frame to invest in this product is short term (3 to 6 years). Members should hold the investment for a minimum of 3 years.

Standard risk measure

The risk level of this option is low, with a likelihood of negative returns occurring 0.9 years in a 20 year period.