Balanced (Super)

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For some members, UniSuper’s Balanced option is also our MySuper offering. Visit our MySuper dashboard for detailed information on investment returns, return target and other data.

Investment option Pre-Mixed
Member suitability Suits members who want exposure to a range of asset classes and are comfortable with the value of their investments fluctuating.
Performance objective* To achieve returns (after taxes and investment expenses, before deducting account-based fees) that are at least 3.0% p.a. more than inflation (CPI) over the suggested time frame.
Investment strategy To invest in a diversified portfolio of mainly growth assets such as Australian and international shares, property, infrastructure and private equity, with some fixed interest and cash investments.
Suggested investment time frame
Minimum of 10 years
Expected frequency of negative annual return
Four to less than six in 20 years
Summary risk level High
Option size# $24.5 billion (as at 31 August 2020)
Total investment fees and costs and transaction costs (%) 0.46

* Performance objectives are not promises or predictions of any particular rate of return.
# Size of both accumulation and pension assets.


Option Performance (% p.a.)1

Vs Objective

As of 30 Jun 2020
Balanced Option Yield CPI + 3.0% Outperformance
10 years 8.7 4.8 3.9

Vs Peers

As of 30 Sep 2020
Balanced Option SuperRatings Median Outperformance
1 Month -0.42 -0.70 0.28
3 Months 2.65 1.89 0.76
FYTD 2.65 1.89 0.76
1 Year 2.01 -0.80 2.81
3 Years 7.40 5.37 2.03
5 Years 8.10 6.31 1.79
7 Years 8.36 6.72 1.64
10 Years 8.53 7.20 1.33

Periods less than a year are not annualised

Option Performance ($)2

Strategic asset allocation (%)3

Last updated on 30 June 2012

Strategic asset allocation (%)3

Last updated on 30 June 2012


Major Holdings4

By value (descending order) as at 31 August 20205


Australian Shares

Transurban Group
BHP Group Ltd
Sydney Airport
CSL Ltd
Rio Tinto Ltd
Macquarie Group Ltd
Commonwealth Bank of Australia
Woolworths Group Ltd
National Australia Bank Ltd
GPT Group/The
Commonwealth Bank of Australia - Perls
James Hardie Industries PLC
Scentre Group
Westpac Banking Corp
Woodside Petroleum Ltd
ASX Ltd
Newcrest Mining Ltd
APA Group
Fortescue Metals Group Ltd
Wesfarmers Ltd
Aristocrat Leisure Ltd

International Shares

Apple Inc
Microsoft Corp
Alibaba Group Holding - ADR
Tencent Holdings Ltd
Alphabet Inc
Facebook Inc
Taiwan Semiconductor Manufacturing
Amazon.com Inc
JPMorgan Chase & Co
Samsung Electronics Co Ltd
Visa Inc
Mastercard Inc
Bank of America Corp
Johnson & Johnson
Thermo Fisher Scientific Inc
Salesforce.com Inc
ASML Holding NV
Unitedhealth Group Inc
Morgan Stanley
Citigroup Inc
Servicenow Inc

Property

Karrinyup Shopping Centre WA
ISPT 50 Lonsdale St VIC
Marrickville Metro Shopping Centre NSW
7 Macquarie St NSW
Malvern Central Shopping Centre VIC

1 Past performance is not an indicator of future performance. Option returns are calculated net of investment expenses and Fund taxes but are gross of account-based fees. Due to rounding, excess return may not equate to the difference between option return and median return. The SuperRatings data is based on the SuperRatings survey for the relevant period and does not take into account any subsequent revisions or corrections made by SuperRatings.

2 Past performance is not an indicator of future performance. This graph shows the growth of $10,000 invested in this option over the period illustrated net of investment expenses and fund taxes but gross of account-based fees. No adjustments have been made to reflect the impact of inflation.
Note that the graph uses interim daily crediting rates and does not reflect the final crediting rates which are used to calculate option performance in the table above.

3 The strategic asset allocation may change and may be altered by the trustee from time to time to suit prevailing market circumstances. Actual allocation will deviate from their targets, but are monitored so they are kept within a range approved by the Trustee.

4 These holdings may change from time to time. The above holdings are the outcome of various strategies applied by UniSuper and by a range of investment managers taking into account a variety of considerations, many of which are specific to UniSuper and superannuation funds in general. The above lists are published for informational purposes only and are not a recommendation or endorsement of any of the companies listed, for inclusion in your personal portfolio. Before selecting companies to invest in personally, you should seek professional financial advice that takes into account your personal circumstances and investment objectives. Value includes direct holdings only and does not include exposures from indirect holdings.

5 Value includes direct holdings only and does not include exposures from indirect holdings.

This information is of a general nature only and does not take into account your individual objectives, financial situation or needs. You should read the product disclosure statement and booklets relevant to your membership category, consider the appropriateness of the information having regard to your personal circumstances and consider consulting a licensed financial adviser before making an investment decision based on information contained in this document.


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* Past performance is not an indicator of future performance. This website is provided by UniSuper Management Pty Ltd, ABN 91 006 961 799 AFS Licence No. 235907 (USM). Any advice contained on this website has been prepared without taking into account your objectives, financial situation or needs. Before you act on any advice that appears on this website please consider whether it is appropriate to your personal circumstances. You should also read the relevant Product Disclosure Statement which is available on our website at unisuper.com.au/pds or you can obtain a copy by calling UniSuper on 1800 331 685. UniSuper Advice is a financial planning service generally available to UniSuper members, former members and their families through USM which is licensed to provide financial advice services and deal in financial products. For further information about UniSuper Advice, please see unisuper.com.au/advice, access the Financial Services Guide and, for any further enquiries, contact us on 1800 331 685. Copyright 2019 USM. All rights reserved. Trustee: UniSuper Limited (ABN 54 006 027 121, AFS Licence No.492806). Fund: UniSuper (ABN 91 385 943 850). Administrator: USM.