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 three diversified options, which means your money is invested across several asset classes including shares, cash, property and fixed interest. The diversified options, GrowthBalanced and Conservative, offer you varying levels of risk and return.

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

If one of our investment options doesn’t 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 don’t 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. If you would like more detailed information about the asset allocation and investment performance of any of the options simply click on the option below.

 Minimum investment timeframe*Return
objective 
Likelihood of negative return Investment management
fee 2007/2008
Diversified options       
Growth option 6 or more years CPI + 4% 1 year in every 4 0.47%
Balanced option 4 - 6 years CPI + 3% 1 year in every 5 0.42%
Conservative option 2 – 4 years CPI + 2% 1 year in every 8 0.31%
Single asset class options      
International Shares 8 – 10 years CPI + 5% 1 year in every 3 0.54%
Australian Shares 8 – 10 years CPI + 5% 1 year in every 3 0.42%
Property 5 – 7 years CPI + 3% 1 year in every 4 0.71%
Fixed Interest 2 – 4 years  CPI + 2% 1 year in every 6 0.21%
Cash No minimum Cash rate Nil 0.15%
* 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.