Options for different types of investors

With UniSuper, you have the flexibility to select one or more options, choose from seven pre-mixed options and nine sector-specific options, each with different strategies and risk profiles.

Pre-mixed options are ready made investment portfolios which include a diverse range of asset classes. The allocation to each asset class varies depending on the risk profile and strategy of the option.

Sector options invest in one asset class or theme, they allow you to be more hands on in setting your strategy. These options are intended to be combined with other investment options to build a diversified portfolio.

We also offer three sustainable and environmental branded investment options.1 

Please refer to the Product Disclosure Statement (PDS) for the most up to date investment returns and objective information.

Pre-Mixed options

Pick an option you're comfortable with and let our fund managers do the work. They’ll allocate and manage investments for you.


Average return figures are as at 30 September 2024
  • Conservative

    5 years
    Suggested minimum investment time frame
    3.5%
    Average return over 5 years
    Objective:^ Outperform CPI by 1% p.a. over 5 years
  • Conservative Balanced

    5 years
    Suggested minimum investment time frame
    4.3%
    Average return over 5 years
    Objective:^ Outperform CPI by 2% p.a. over 5 years
  • Balanced

    10 years
    Suggested minimum investment time frame
    8.1%
    Average return over 10 years
    Objective:^ Outperform CPI by 3% p.a. over 10 years
  • ESG-Icon-Small

    Sustainable Balanced

    6 years
    Suggested minimum investment time frame
    7.7%
    Average return over 6 years
    Objective:^ Outperform CPI by 3% p.a. over 6 years
  • Growth

    7 years
    Suggested minimum investment time frame
    8.8%
    Average return over 7 years
    Objective:^ Outperform CPI by 3.5% p.a. over 7 years
  • High Growth

    7 years
    Suggested minimum investment time frame
    10.0%
    Average return over 7 years
    Objective:^ Outperform CPI by 4% p.a. over 7 years
  • ESG-Icon-Small

    Sustainable High Growth

    7 years
    Suggested minimum investment time frame
    10.3%
    Average return over 7 years
    Objective:^ Outperform CPI by 4% p.a. over 7 years

Sector

Build your own portfolio with our Sector investment options2,3. These are single asset classes that you can mix and match or combine with our Pre-Mixed options to build a diverse portfolio. Choosing these options means you’ll need to be a little more hands-on with managing how your portfolio is allocated.


Average return figures are as at 30 September 2024
  • 1 year
    Suggested minimum investment time frame
    4.3%
    Average return over 1 year
    Objective:^ To achieve the RBA cash rate (before fees and taxes) each year.
  • Australian Bond

    5 years
    Suggested minimum investment time frame
    -0.6%
    Average return over 5 years
    Objective:^ Returns that match the relevant bond index (before fees and taxes) over 5 years
  • Australian Income

    4 years
    Suggested minimum investment time frame
    3.4%
    Average return over 4 years
    Objective:^ Outperform RBA cash rate (before fees and taxes) by 1% p.a. over 4 years
  • Listed Property

    6 years
    Suggested minimum investment time frame
    6.2%
    Average return over 6 years
    Objective:^ Outperform CPI by 3% p.a. over 6 years
  • Australian Shares

    7 years
    Suggested minimum investment time frame
    11.6%
    Average return over 7 years
    Objective:^ Outperform CPI by 4% p.a. over 7 years
  • International Shares

    7 years
    Suggested minimum investment time frame
    10.1%
    Average return over 7 years
    Objective:^ Outperform CPI by 4% p.a. over 7 years
  • ESG-Icon-Small

    Global Environmental Opportunities

    7 years
    Suggested minimum investment time frame
    8.1%
    Average return over 7 years
    Objective:^ Outperform CPI by 4% p.a. over 7 years
  • Australian Dividend Income

    7 years
    Suggested minimum investment time frame
    6.1%
    Average yield over 7 years
    Objective:^ To achieve a gross yield which exceeds the dividend yield of the Australian equity market and provide potential for capital growth over 7 years.
  • Global Companies in Asia

    7 years
    Suggested minimum investment time frame
    12.7%
    Average return over 7 years
    Objective:^ Outperform CPI by 4% p.a. over 7 years

Information about the carbon intensity of our investment options is available in our annual Climate report. Note that the carbon intensity of our investment options may have changed since the publication of the report.


# Past performance is not an indicator of future performance. Option returns are calculated net of investment expenses and Fund taxes but are gross of account-based fees. Due to rounding, excess return may not equate to the difference between option return and median return.


^ Objectives are not promises or predictions of any particular rate of return.


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Make an informed decision about your investment options by accessing the information below:

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