This option targets to invest approximately 30% in growth assets and 70% in defensive assets.
To outperform the annual rate of inflation (CPI) by around 1% pa.
Most suitable for members for whom the low to medium risk of a negative return in any one year is an important consideration.
Approximately five years
Risk Band: 3
Risk Label: Low to Medium
This option provides a reasonable level of short-term security with the potential for some capital growth in the long term. It offers a lower risk of short-term losses but lower expected returns.
A negative annual return is anticipated on average 1-2 times every 20 years but negative returns may be more or less frequent.