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How Various Superannuation Investment Options Performed

Are you?

- A member of a superannuation fund?

At a glance:

- The Australian Securities and Investments Commission (ASIC), has published the average return for various superfund investment options for the year ended June 30, 2006.

You should: 

- Consider whether you are satisfied with your super fund's investment strategy.
- Contact us if you require any clarification or advice.

  1. The figures published by the ASIC are a compilation of information provided by various Australian super-rating agencies that survey investment performance across retail, industry and corporate funds.

  2. The results are based on several assumptions including that:
    a. 'Growth' options invest between 70-80% in shares or property;
    b. 'Balanced' options invest 60-70% in shares or property with the remainder in fixed interest or cash;
    c. 'Capital stable' invest 60-70% in fixed interest and cash with some investing in shares or property; and
    d. 'Capital guaranteed' are mandated by law to invest 100% within Australian deposit taking institutions or capital guaranteed life insurance policies.

  3. The results are as follows:

    Growth Balanced Capital Stable Capital Guaranteed
    5 years 5.7-7.5% 5.1-7.4% 4.8-5.9% 3.7-4.3%
    10 years 7.6-9.4% 6.8-9.3% 5.7-7.3% 4.2-5.9%

  4. According to the ASIC investing $50,000 in superannuation ten years ago at the lowest average growth rate of 7.6% would accumulate to $104,000 today.

  5. This compares favourably with having invested the same sum during the same time at the highest average capital guaranteed rate of 5.9%, which would only amount to $89,000 today.

  6. The performance of self-managed superannuation funds and defined benefit funds are not included in these results.

  7. The figures are available for viewing on ASIC's FIDO website at


- Different superannuaiton investment strategies may yield different outcomes over time.

This article is not a substitute for independent professional advice. We do not warrant the accuracy, completeness or adequacy of the information or material in this article. All information is subject to change without notice. We and each party providing material displayed in this article disclaim liability to all persons or organisations in relation to any action(s) taken on the basis of currency or accuracy of the information or material, or any loss or damage suffered in connection with that information or material. You should make your own enquiries before entering into any transaction on the basis of the information or material in this article. Please ensure you contact us to discuss your particular circumstances and how the information provided applies to your situation.

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