Our investment options

Our range of investment options have been designed to make your investment choice easy.

Telstra Super’s investment options apply to members with an accumulation account. You can choose from a broad range of options to ensure that your super savings are invested in the option that best suits you.

Telstra Super offers four diversified options, which means your money is invested across several asset classes including shares, cash, property and fixed interest. The diversified options, Growth, Balanced, Defensive Growth and Conservative, offer you varying levels of risk and return.

In addition we also offer five single asset class options to provide you with investment choice in all major asset classes. You can choose from International Shares, Australian Shares, Property, Fixed Interest and Cash.

If one of our investment options does not quite fit your circumstances, or appetite for risk and return, you can select a mix of any of the options we offer. This allows you to tailor your investment strategy to your needs.

If you do not know which option is best for you, then Telstra Super will invest your money in the applicable default option based on your age.

Age Default option
Under 60 Balanced option
60 and over Conservative option

Investment option snapshot

The following table summarises the risk profile, return objectives and investment management costs for each of Telstra Super’s investment options. More detailed information about each investment option, its asset allocation and investment performance, is available via the investment option links below.

Minimum investment timeframe* Return
objective
Likelihood of negative return Estimated investment management
fee 2009/2010
Diversified options:
Growth 6 or more years CPI + 4% 1 year in every 4 0.52%
Balanced 4 - 6 years CPI + 3% 1 year in every 5 0.48%
Defensive Growth 2 – 6 years CPI + 2% 1 year in every 6 n/a†
Conservative 2 – 4 years CPI + 2% 1 year in every 7 0.32%
Single asset class options:
International Shares 8 – 10 years CPI + 5% 1 year in every 3 0.58%
Australian Shares 8 – 10 years CPI + 5% 1 year in every 3 0.49%
Property 5 – 7 years CPI + 3% 1 year in every 3 0.37%
Fixed Interest 2 – 4 years CPI + 2% 1 year in every 5 0.21%
Cash No minimum Cash rate Nil 0.13%

* The suggested minimum timeframe for investment with Telstra Super takes into consideration the volatility (fluctuation in returns) of the investment option and likelihood of negative return in order to achieve the return objective. It is indicative only and does not take into consideration your individual circumstances or financial objectives.

† Defensive Growth option did not commence unitl 1 July 2010. We estimate that the total investment management fee for 2010/2011 will be 0.40%.