Investment returns
A History of Strong Investment Returns
Most of us can’t touch our superannuation for a very long time, but when you do finally need it – after years of hard work – you want to make sure your super has performed to its optimum over the long term because it’s an investment that will determine your quality of life when you need it the most.Listed below is a history for the past seven financial years showing our returns for each investment option.
|
Financial Year Returns |
||||||||
| Option | Account | 2011-2012 |
2010-2011 |
2009-2010 |
2008-2009 |
2007-2008 |
2006-2007 |
2005-2006 |
| Aggressive | Super | -1.43% |
12.4% |
11.6% |
-12.1% |
-12.2% |
25.0% |
17.7% |
| Pension | -1.56% |
13.6% |
13.4% |
-13.8% |
-13.3% |
26.9% |
19.4% |
|
| Moderately aggressive | Super | 0.03% |
11.4% |
10.8% |
-10.7% |
-9.4% |
22.6% |
15.9% |
| Pension | 0.03% |
12.6% |
12.6% |
-12.2% |
-10.3% |
24.4% |
17.3% |
|
| Balanced | Super | 0.63% |
11.4% |
8.6% |
-9.9% |
-6.4% |
21.0% |
15.3% |
| Pension | 0.84% |
12.6% |
10.1% |
-11.4% |
-7.1% |
22.5% |
17.1% |
|
| Conservative balanced ^ | Super | N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
| Pension | N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
|
| Moderately conservative | Super | 2.86% |
8.8% |
9.0% |
-6.0% |
-3.9% |
16.4% |
11.3% |
| Pension | 3.46% |
9.8% |
10.4% |
-6.8% |
-4.6% |
17.8% |
13.0% |
|
| Conservative | Super | 4.06% |
7.4% |
7.6% |
-3.3% |
2.3% |
12.2% |
8.8% |
| Pension | 4.79% |
8.2% |
8.5% |
-3.6% |
2.7% |
13.3% |
10.0% |
|
| RetirePlus ^ | Super | N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
| Pension | N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
|
| Australian shares | Super | -6.01% |
16.7% |
13.5% |
-12.2% |
-13.0% |
30.7% |
22.6% |
| Pension | -6.61% |
17.8% |
14.7% |
-12.6% |
-13.9% |
31.9% |
23.7% |
|
| Overseas shares | Super | -3.14% |
6.9% |
8.7% |
-10.0% |
-19.1% |
20.0% |
12.9% |
| Pension | -1.83% |
8.2% |
11.6% |
-13.0% |
-22.1% |
23.8% |
14.7% |
|
| Property | Super | 6.92% |
12.5% |
8.1% |
-12.1% |
7.0% |
16.2% |
12.4% |
| Pension | 7.92% |
12.4% |
9.1% |
-13.4% |
7.6% |
15.4% |
14.0% |
|
| Fixed interest | Super | 7.26% |
6.6% |
4.8% |
6.2% |
0.3% |
4.4% |
3.0% |
| Pension | 8.58% |
7.7% |
5.5% |
7.2% |
0.3% |
5.1% |
3.7% |
|
| FlexiTerm Deposit* | Super | N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
| Pension | N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
N/A |
|
| Cash | Super | 4.44% |
4.7% |
3.6% |
4.9% |
5.9% |
5.4% |
4.7% |
| Pension | 5.27% |
5.5% |
4.1% |
5.6% |
6.8% |
6.2% |
5.4% |
|
The Long Term View
Superannuation is a long term investment because the majority of us can’t touch our super for quite a long time, so it is advisable to consider returns over the long term.To help you take a long term view, below we have listed the 3 year, 5 year, and where applicable the 7 year and 10 year averages for each option.
|
As at 30 June 2012 |
|||||
| Option | Account |
3yrs (pa) |
5yrs (pa) |
7yrs (pa) |
10yrs (pa) |
| Aggressive | Super | 7.34% |
-0.92% |
4.93% |
6.02% |
| Pension | 8.24% |
-1.07% |
5.32% |
N/A |
|
| Moderately aggressive | Super | 7.29% |
-0.01% |
5.09% |
N/A |
| Pension | 8.25% |
-0.01% |
5.60% |
N/A |
|
| Balanced | Super | 6.80% |
0.54% |
5.24% |
6.36% |
| Pension | 7.73% |
0.58% |
5.81% |
N/A |
|
| Conservative balanced ^ | Super | N/A |
N/A |
N/A |
N/A |
| Pension | N/A |
N/A |
N/A |
N/A |
|
| Moderately conservative | Super | 6.84% |
1.95% |
5.18% |
N/A |
| Pension | 7.84% |
2.21% |
5.86% |
N/A |
|
| Conservative | Super | 6.35% |
3.54% |
5.46% |
N/A |
| Pension | 7.15% |
4.03% |
6.21% |
N/A |
|
| RetirePlus ^ | Super | N/A |
N/A |
N/A |
N/A |
| Pension | N/A |
N/A |
N/A |
N/A |
|
| Australian shares | Super | 7.60% |
-0.98% |
6.18% |
N/A |
| Pension | 8.08% |
-1.02% |
6.51% |
N/A |
|
| Overseas shares | Super | 4.04% |
-3.89% |
1.48% |
N/A |
| Pension | 5.82% |
-4.28% |
1.74% |
N/A |
|
| Property | Super | 9.14% |
4.10% |
6.88% |
N/A |
| Pension | 9.79% |
4.28% |
7.41% |
N/A |
|
| Fixed interest | Super | 6.21% |
4.98% |
4.61% |
N/A |
| Pension | 7.23% |
5.79% |
5.38% |
N/A |
|
| FlexiTerm Deposit* | Super | N/A |
N/A |
N/A |
N/A |
| Pension | N/A |
N/A |
N/A |
N/A |
|
| Cash | Super | 4.24% |
4.69% |
4.79% |
4.88% |
| Pension | 4.95% |
5.44% |
5.55% |
N/A |
|
^ Conservative Balanced and RetirePlus Options commenced on 22 June 2012. No performance history is yet available.
* FlexiTerm Deposit option commenced on 23 October 2012. No performance history is yet available.
