Moderate - smartMonday

Moderate

Behind each tab below you will find information to help you understand this option, including asset allocation, investment risks, fees and return targets.

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Objective

To provide a return at least 1.75% p.a. above inflation (after investment-related fees, costs and tax) over rolling 3-year periods.

Investment fees & Transaction costs

0.59% p.a.

Minimum timeframe

3 years

Risk level

4 (Medium)

Chance of a negative annual return

2 to less than 3 over any 20-year period

Returns (as at 31/03/2024)

Timeframe Return
3 mths 3.06%
Financial yr to date 7.15%
1 yr (% pa.) 8.10%
3 yr (% pa.) 2.91%
5 yr (% pa.) 3.90%
7 yr (% pa.) 4.24%
10 yr (% pa.) 4.85%

3 mths	Financial yr to date	1 yr (% pa.)	3 yr (% pa.)	5 yr (% pa.)	7 yr (% pa.)	10 yr (% pa.)
3.06%	7.15%	8.10%	2.91%	3.90%	4.24%	4.85%

See past returns

Asset allocation

Target – The asset allocation expected to achieve the investment objective over the investment period.
Range – The potential variation of the asset allocation due to tactical investment activity.

Asset allocation Target Range
Growth
Australian shares 12% 0 - 30%
International shares 10% 0 - 30%
Listed property 6% 0 - 30%
Alternative-growth 7% 0 - 15%
Defensive
Alternative-defensive 18% 0 - 30%
Aust. fixed interest 22% 0 - 60%
Int’l fixed interest 20% 0 - 60%
Cash 5% 0 - 60%

Objective

To provide a return at least 1.50% p.a. above inflation (after investment-related fees, costs and tax) over rolling 3-year periods.

Investment fees & Transaction costs

0.29% p.a.

Minimum timeframe

3 years

Risk level

4 (Medium)

Chance of a negative annual return

2 to less than 3 over any 20-year period

Returns (as at 31/03/2024)

Timeframe Return
3 mths 2.71%
Financial yr to date 6.88%
1 yr (% pa.) 7.06%
3 yr (% pa.) 1.75%
5 yr (% pa.) 2.96%
7 yr (% pa.) 3.71%
10 yr (% pa.) 4.52%

3 mths	Financial yr to date	1 yr (% pa.)	3 yr (% pa.)	5 yr (% pa.)	7 yr (% pa.)	10 yr (% pa.)
2.71%	6.88%	7.06%	1.75%	2.96%	3.71%	4.52%

See past returns

Asset allocation

Target – The asset allocation expected to achieve the investment objective over the investment period.
Range – The potential variation of the asset allocation due to tactical investment activity.

Asset allocation Target Range
Growth
Australian shares 12% 0 - 30%
International shares 12% 0 - 30%
Listed property 6% 0 - 30%
Alternative-growth 5% 0 - 15%
Defensive
Alternative-defensive 0% 0 - 30%
Aust. fixed interest 32% 0 - 60%
Int’l fixed interest 28% 0 - 60%
Cash 5% 0 - 60%

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