Conservative (Super)

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Investment option type Pre-Mixed
Member suitability Suits members who want exposure to a range of asset classes and are less comfortable with large fluctuations in the value of their investments.
Performance objective^
To achieve returns (after Fund taxes and investment expenses, before deducting account-based fees) that are at least 1.5% p.a. more than inflation (CPI) over the suggested time frame.
Investment strategy
To invest in a diversified portfolio of largely defensive assets like fixed interest and cash, and some growth assets like shares, property, infrastructure and private equity.
Suggested investment time frame
Minimum of five years
Expected frequency of negative annual return
Two to less than three in 20 years
Summary risk level
Medium
Option size#
$2.8 billion (as at 30 September 2019)
Total fees and costs (%) 0.60

^ 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 2019
Conservative Option Yield CPI + 1.5% Outperformance
5 years 5.7 3.1 2.6

Vs Peers

As of 30 Sep 2019
Conservative Option SuperRatings Median Outperformance
1 Month 0.14 0.36 -0.22
3 Months 1.00 1.51 -0.51
FYTD 1.00 1.51 -0.51
1 Year 6.66 5.88 0.78
3 Years 4.75 4.86 -0.11
5 Years 5.69 4.82 0.87
7 Years 6.21 5.39 0.82
10 Years 6.27 5.55 0.72

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 30 September 20195


Australian Shares

ASX Ltd
Transurban Group
Woolworths Group Ltd
Commonwealth Bank of Australia - Perls
Tanarra Credit Partners
BHP Group Ltd
National Australia Bank - Capital Notes
Sydney Airport
APA Group
Scentre Group
Woodside Petroleum Ltd
Rio Tinto Ltd
Newcrest Mining Ltd
Commonwealth Bank of Australia
Australia & New Zealand Banking Group - Capital Notes
Westpac Banking Corp
Macquarie Group Ltd
National Australia Bank Ltd
Australia & New Zealand Banking Group
Fortescue Metals Group Ltd
Origin Energy Ltd

International Shares

JPMorgan Chase & Co
Aena SME SA
Bank of America Corp
Enbridge Inc
Wells Fargo & Co
Auckland International Airport
Citigroup Inc
Lloyds Banking Group PLC
Royal Bank Of Scotland Group PLC
TC Energy Corp
Microsoft Corp
National Grid PLC
Alphabet Inc
Goldman Sachs Group Inc/The
Tencent Holdings Ltd
Nestle SA
Visa Inc
Alibaba Group Holding Ltd
Facebook Inc
Apple Inc
PNC Financial Services Group 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.

3The 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.