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.

Please Note: smartMonday’s Moderate Index investment option failed APRA’s 2022/2023 Your Future Your Super performance test. Visit this page for an explanation of what this means.

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Objective

To provide a return at least 1.25% 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 29/02/2024)

Timeframe Return
3 mths 3.65%
Financial yr to date 4.53%
1 yr (% pa.) 6.10%
3 yr (% pa.) 2.34%
5 yr (% pa.) 2.83%
7 yr (% pa.) 3.22%
10 yr (% pa.) 3.80%

3 mths	Financial yr to date	1 yr (% pa.)	3 yr (% pa.)	5 yr (% pa.)	7 yr (% pa.)	10 yr (% pa.)
3.65%	4.53%	6.10%	2.34%	2.83%	3.22%	3.80%

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 1.00% 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 29/02/2024)

Timeframe Return
3 mths 3.75%
Financial yr to date 4.26%
1 yr (% pa.) 6.11%
3 yr (% pa.) 1.23%
5 yr (% pa.) 2.21%
7 yr (% pa.) 2.83%
10 yr (% pa.) 3.59%

3 mths	Financial yr to date	1 yr (% pa.)	3 yr (% pa.)	5 yr (% pa.)	7 yr (% pa.)	10 yr (% pa.)
3.75%	4.26%	6.11%	1.23%	2.21%	2.83%	3.59%

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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