Investment returns
How each of our investment options have performed over a range of time frames.
TelstraSuper Personal/Corporate Plus & TTR Income stream*
Annualised investment returns to 31 Mar 2024
| Investment option | 12 months | 3 years | 5 years | 7 years | 10 years | Since inception** |
|---|---|---|---|---|---|---|
| High Growth | - | - | - | - | - | - |
| Growth | 12.22% | 8.15% | 8.49% | 8.26% | 8.36% | 7.86% |
| Balanced | 9.80% | 7.02% | 7.08% | 6.98% | 7.29% | 7.49% |
| Moderate | 8.34% | 5.92% | 5.88% | 6.07% | 6.71% | 7.52% |
| Conservative | 5.29% | 4.03% | 4.21% | 4.46% | 5.07% | 5.72% |
| International Shares | 22.31% | 9.23% | 10.03% | 9.78% | 9.68% | 6.57% |
| Australian Shares | 15.16% | 9.73% | 9.64% | 8.75% | 8.28% | 8.87% |
| Property | -6.71% | 5.62% | 5.38% | 6.82% | 8.66% | 6.38% |
| Diversified Bonds and Credit | 3.81% | -0.88% | 0.51% | 1.37% | 2.18% | 3.63% |
| Cash | 3.86% | 1.97% | 1.56% | 1.64% | 1.81% | 3.42% |
* These returns do not apply to RetireAccess — Retirement income stream members. The accumulation investment returns are net of indirect investment costs and investment taxes but before the deduction of any applicable administration fee, indirect administration costs or rebate.
The following changes were made to the investment options offered to Personal/Corporate Plus & TTR income stream members
• The High Growth option was introduced on 2 October 2023
• The ‘Defensive Growth’ option was renamed the ‘Moderate’ option on 1 July 2023
• The ‘Fixed Interest’ option was renamed the ‘Diversified Bonds and Credit’ option on 1 July 2023
The investment returns shown above for the Growth, Balanced, Moderate (introduced 1 October 2023) and Conservative options (which form stages of TelstraSuper's MySuper Lifecycle) are different to those appearing in the MySuper Product Dashboard, which are displayed net of administration fees, indirect administration costs, indirect investment costs and investment taxes (refer to the MySuper Product Dashboard for more information). Past performance is not a reliable indicator of future performance.
** The returns shown are the actual returns since inception. The Property and Diversified Bonds and Credit (renamed on 1 July 2023, previously named Fixed Interest) options commenced on 1 January 2004, the Australian and International Shares options on 1 July 2001, and the Conservative option on 1 July 1999. The Moderate option (renamed on 1 July 2023, previously Defensive Growth option) was introduced on 1 July 2010 and the historic Diversified Income option was introduced on 2 July 2012. This option was closed and merged into the Moderate option on 1 July 2023. As such, no long-term historical investment returns are available. Notional returns have not been included as the structure of the option is not based on the performance of a single index. The investment return for the Diversified Income option has been calculated on the basis of daily movements in unit prices and distributions payable to members, as if distributions are reinvested in the option's asset pool. Past distributions are not a reliable indicator of future distributions. Distributions are not guaranteed. All remaining options commenced on 1 January 1997.
TelstraSuper Retirement income stream^
Annualised investment returns to 31 Mar 2024
| Investment option | 12 months | 3 years | 5 years | 7 years | 10 years | Since inception** |
|---|---|---|---|---|---|---|
| High Growth | - | - | - | - | - | - |
| Australian shares | 16.67% | 10.76% | 10.70% | 9.71% | 9.11% | 9.81% |
| Cash | 4.53% | 2.31% | 1.82% | 1.92% | 2.10% | 3.90% |
| Diversified Bonds and Credit | 4.53% | -1.04% | 0.57% | 1.57% | 2.50% | 4.21% |
| International shares | 24.45% | 9.74% | 10.64% | 10.40% | 10.37% | 7.15% |
| Lifestyle Balanced* | 10.51% | 7.83% | 7.89% | 7.78% | 8.11% | 8.09% |
| Lifestyle Conservative* | 5.18% | 4.39% | 4.64% | 4.94% | 5.61% | 6.48% |
| Lifestyle Growth* | 12.17% | 9.02% | 9.40% | 9.10% | 9.17% | 8.40% |
| Lifestyle Moderate* | 8.52% | 6.21% | 6.19% | 6.24% | 6.86% | 7.96% |
| Property | -7.16% | 5.79% | 5.57% | 7.32% | 9.49% | 7.08% |
^These returns do not apply to TelstraSuper accumulation and TTR income stream members. The TelstraSuper RetireAccess investment returns are net of indirect investment costs but before the deduction of any applicable indirect administration cost, administration fee or rebate.
* The following changes were made to the investment options offered to Retirement income stream members
• The High Growth option was introduced on 2 October 2023
• The ‘Defensive Growth’ option was closed and merged into the Lifestyle Moderate option on 1 July 2023
• The Fixed Interest option was renamed the ‘Diversified Bonds and Credit’ option on 1 July 2023
*On 8 November 2021, options listed below were renamed :
- The ‘Conservative’ option was renamed the ‘Lifestyle Conservative’ option.
- The ‘Diversified Income’ option was renamed the ‘Lifestyle Moderate’ option.
- The ‘Growth’ option was renamed the ‘Lifestyle Growth’ option.
- The ‘Balanced’ option was renamed the ‘Lifestyle Balanced’ option.
** The returns shown are the actual returns since inception. The Property and Diversified Bonds and Credit (renamed on 1 July 2023, previously Fixed Interest) options commenced on 1 January 2004, the Australian and International Shares options on 1 July 2001, and the Lifestyle Conservative option on 1 July 1999. The Defensive Growth option was introduced on 1 July 2010, closed on 1 July 2023 and merged into the Lifestyle Moderate option on 1 July 2023. The Lifestyle Moderate option was introduced on 2 July 2012 and as such, no long-term historical investment returns are available. Notional returns have not been included as the structure of the option is not based on the performance of a single index.
Market update
For an overview of how investment markets, both domestically and overseas, have been tracking over the last month, check out our monthly market update.