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 eight financial years showing our returns for each investment option. 
Financial year returns
Option Account
2016-2017
2015-2016
2014-2015
2013-2014
2012-2013
2011-2012
2010-2011
2009-2010
Aggressive Super 13.99% 5.70% 12.0% 14.9% 19.7% -1.4%
12.4%
11.6%
Pension 15.02% 6.23% 13.2% 16.5% 22.2% -1.6%
13.6%
13.4%
Moderately aggressive Super 12.78% 5.90% 10.6% 12.8% 17.0% 0.0%
11.4%
10.8%
Pension 13.90% 6.58% 12.0% 14.4% 19.3% 0.0%
12.6%
12.6%
Balanced Super 11.78% 5.73% 9.8% 12.3% 14.1% 0.6%
11.4%
8.6%
Pension 12.80% 6.70% 11.1% 13.9% 16.1% 0.8%
12.6%
10.1%
Conservative balanced ^ Super 10.01% 5.72% 8.5% 9.9% 13.9% NA
NA
NA
Pension 11.05% 6.47% 9.9% 11.1% 15.7% NA
NA
NA
Moderately conservative Super 8.30% 5.59% 7.2% 8.8% 11.2% 2.9%
8.8%
9.0%
Pension 9.29% 6.32% 8.2% 10.1% 12.9% 3.5%
9.8%
10.4%
Conservative Super 6.51% 5.40% 6.2% 7.4% 9.0% 4.1%
7.4%
7.6%
Pension 7.46% 6.20% 7.1% 8.5% 10.4% 4.8%
8.2%
8.5%
RetirePlus ^ Super 7.09% 5.31% 7.9% 9.3% 12.9% NA NA NA
Pension 8.05% 6.03% 8.9% 10.5% 14.5% NA NA NA
RetireStable ** Super 6.27% 4.24% NA
NA
NA
NA
NA
NA
Pension 7.00% 5.26% NA
NA
NA
NA
NA
NA
Australian shares Super 16.90% 8.00% 7.3% 19.3% 17.5% -6.0%
16.7%
13.5%
Pension 16.50% 8.33% 7.3% 20.4% 19.1% -6.6%
17.8%
14.7%
Overseas shares Super 15.69% 2.53% 17.4% 15.8% 25.8% -3.1%
6.9%
8.7%
Pension 17.90% 2.69% 20.1% 18.3% 30.4% -1.8%
8.2%
11.6%
Property Super 7.63% 13.28% 9.0% 10.0% 7.4% 6.9%
12.5%
8.1%
Pension 8.24% 14.39% 9.7% 10.7% 8.2% 7.9%
12.4%
9.1%
Diversified Fixed interest Super 3.75% 4.63% 3.7% 4.5% 4.3% 7.3%
6.6%
4.8%
Pension 4.51% 5.41% 4.3% 5.3% 5.0% 8.6%
7.7%
5.5%
FlexiTerm Deposit* Super 2.57% 2.51% 2.7% 3.1% NA NA NA NA
Pension 3.37% 2.92% 3.0% 3.5% NA NA NA NA
Cash Super 2.42% 2.38% 2.5% 2.6% 3.5% 4.4%
4.7%
3.6%
Pension 2.77% 2.79% 2.9% 3.0% 4.1% 5.3%
5.5%
4.1%

^ Conservative Balanced and RetirePlus Options commenced on 22 June 2012.

* FlexiTerm Deposit option commenced on 23 October 2012 and closed to new investments on 1 March 2016.

** RetireStable commenced on 1 April 2015.

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, where available, the 3, 5, 7, and 10 year annualised investment returns for each option.

 
As at 30 June 2017
Option Account
3yrs (% pa)
5yrs (% pa)
7yrs (% pa)
10yrs(% pa)
Aggressive Super 10.50% 13.17% 10.85% 5.89%
Pension 11.42% 14.52% 11.94% 6.44%
Moderately aggressive Super 9.73% 11.77% 9.96% 5.71%
Pension 10.77% 13.17% 11.11% 6.37%
Balanced Super 9.08% 10.70% 9.30% 5.49%
Pension 10.16% 12.06% 10.46% 6.16%
Conservative balanced ^ Super 8.07% 9.56% NA NA
Pension 9.11% 10.81% NA NA
Moderately conservative Super 7.01% 8.19% 7.50% 5.02%
Pension 7.92% 9.33% 8.54% 5.71%
Conservative Super 6.03% 6.90% 6.56% 5.20%
Pension 6.93% 7.93% 7.52% 5.96%
RetirePlus ^ Super 6.76% 8.46% NA NA
Pension 7.66% 9.55% NA NA
RetireStable ** Super NA NA NA NA
Pension NA NA NA NA
Australian shares Super 10.63% 13.68% 11.05% 6.09%
Pension 10.64% 14.19% 11.45% 6.31%
Overseas shares Super 11.66% 15.20% 11.19% 5.22%
Pension 13.28% 17.54% 13.20% 6.06%
Property Super 9.93% 9.42% 9.48% 6.73%
Pension 10.73% 10.22% 10.19% 7.21%
Diversified Fixed interest Super 4.02% 4.17% 4.95% 4.58%
Pension 4.74% 4.91% 5.81% 5.35%
FlexiTerm Deposit* Super 2.61% NA NA NA
Pension 3.11% NA NA NA
Cash Super 2.43% 2.67% 3.21% 3.67%
Pension 2.82% 3.12% 3.75% 4.28%

^ Conservative Balanced and RetirePlus Options commenced on 22 June 2012.

* FlexiTerm Deposit option commenced on 23 October 2012 and closed to new investments on 1 March 2016.

** RetireStable commenced on 1 April 2015.