Important change to the Trustee of Smart Future Trust. From 1 Nov 2026, Stewarda Pty Ltd will become the Trustee. These changes won't affect your account or benefits. Learn more

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Pension options

Pension options

We believe in empowering you to shape your own future. That's why we offer you a range of different investment options to choose from.

Growth

Risk Band 1

6 (High)

An investment time horizon is the time period where one expects to hold an investment for a specific goal. Investments are generally broken down into two main categories: growth (riskier – such as stocks) and defensive (less risky – such as bonds). The longer the time horizon, the more aggressive, or riskier, a portfolio an investor can build.

Suggested Minimum Timeframe

An investment time horizon is the time period where one expects to hold an investment for a specific goal. Investments are generally broken down into two main categories: growth (riskier – such as stocks) and defensive (less risky – such as bonds). The longer the time horizon, the more aggressive, or riskier, a portfolio an investor can build.

12 years

Growth assets

85%

Defensive assets

15%

Fees Per Year 2

0.856% +$67.60
Balanced Growth

Risk Band 1

6 (High)

An investment time horizon is the time period where one expects to hold an investment for a specific goal. Investments are generally broken down into two main categories: growth (riskier – such as stocks) and defensive (less risky – such as bonds). The longer the time horizon, the more aggressive, or riskier, a portfolio an investor can build.

Suggested Minimum Timeframe

An investment time horizon is the time period where one expects to hold an investment for a specific goal. Investments are generally broken down into two main categories: growth (riskier – such as stocks) and defensive (less risky – such as bonds). The longer the time horizon, the more aggressive, or riskier, a portfolio an investor can build.

10 years

Growth assets

70%

Defensive assets

30%

Fees Per Year 2

0.837% +$67.60
Moderate

Risk Band 1

4 (Medium)

An investment time horizon is the time period where one expects to hold an investment for a specific goal. Investments are generally broken down into two main categories: growth (riskier – such as stocks) and defensive (less risky – such as bonds). The longer the time horizon, the more aggressive, or riskier, a portfolio an investor can build.

Suggested Minimum Timeframe

An investment time horizon is the time period where one expects to hold an investment for a specific goal. Investments are generally broken down into two main categories: growth (riskier – such as stocks) and defensive (less risky – such as bonds). The longer the time horizon, the more aggressive, or riskier, a portfolio an investor can build.

3 years

Growth assets

35%

Defensive assets

65%

Fees Per Year 2

0.750% +$67.60
Cash

Risk Band 1

1 (Very Low)

An investment time horizon is the time period where one expects to hold an investment for a specific goal. Investments are generally broken down into two main categories: growth (riskier – such as stocks) and defensive (less risky – such as bonds). The longer the time horizon, the more aggressive, or riskier, a portfolio an investor can build.

Suggested Minimum Timeframe

An investment time horizon is the time period where one expects to hold an investment for a specific goal. Investments are generally broken down into two main categories: growth (riskier – such as stocks) and defensive (less risky – such as bonds). The longer the time horizon, the more aggressive, or riskier, a portfolio an investor can build.

1-2 years

Growth assets

0%

Defensive assets

100%

Fees Per Year 2

0.200% +$67.60

Want to see how these options have performed?

Take a look at returns for each Pension option over time. Keep in mind that past performance isn't a reliable indicator of future performance.

1 

The Risk Band is based on regulated Standard Risk Measure guidelines.

2 

Fees and costs are correct as at 12 September 2026. Other fees and costs may apply, including activity fees, advice fees (for personal advice) and buy-sell spreads. Please read the Product Disclosure Statement for more information. We reserve the right to change our fees and/or costs in future. Estimated fees and costs are subject to change from time to time and changes to estimates may be published on the website. We recommend that you regularly check the website for updated fees and costs information.

On 12 September 2026, Child Care Super became a part of the Smart Future Trust. 

Asset allocations are correct as at 12 Sept 2026. This information is subject to change. The asset allocation reflects a strategic mix, but the actual allocation may vary due to market movements, contributions, withdrawals, or changes in investment types.

Page last updated 11 September 2026