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Pension investment options

As with all super investments, the value of your investments in your pension account may go up or down and each investment option will have a different level of risk and potential return associated with it. 

Choose an investment option best suited to the length of time you wish to invest and at a risk level that you are comfortable with. Contact our financial advisers who will be able to assist you with your investment choice.

Default pension investment option

Our default pension investment option is made up of two distinct investment portfolios:

  • Balanced investment option – this includes a mixture of investments that maintain the potential for long-term growth
  • Cash option – this is to meet the shorter-term income needs in retirement 

This combined default pension investment option allows you to maintain potential for growth within your pension, yet automatically reduces your exposure to the investment markets over time. Find out how our default pension investment option works.

  • If you are looking for the highest potential for return, and you are comfortable with taking on a higher level of risk. This option invests almost entirely in growth assets and will likely be the most volatile option, with the potential for negative returns in some years.
    Members Comfortable With:

    5 negative years in a 20 year period

    Investment Timeframe:

    7 years plus

    Risk Profile

    High

    Performance objective
    To earn a rate of return that exceeds Consumer Price Index increases by at least 4% pa over rolling 10 year periods.
    This option invests in
    Mostly growth assets and has the potential for the highest return over its investment horizon. However, returns will vary and are expected in some years to be low or negative.
    1. Australian shares 31%
    2. International shares 45%
    3. International listed property (hedged) 8%
    4. Unlisted property 3%
    5. Global Infrastructure 4%
    6. Australian bonds 0%
    7. International bonds 0%
    8. Global inflation linked bonds 0%
    9. Alternatives 8%
    10. Cash 1%
    Allocations shown may vary by up to +/- 15%
  • A diversified option that invests mostly in growth assets. This is REI Super's default (MySuper) option for superannuation members.
    Members Comfortable With:

    4 negative years in a 20 year period.

    Investment Timeframe:

    3 years plus

    Risk Profile

    Medium to high

    Performance objective
    To earn a rate of return that exceeds Consumer Price Index increases by at least 3% per annum over rolling 10 year periods.
    This option invests in
    Mainly in growth assets with some interest bearing defensive assets. It has potential for high returns over time due to the significant proportion of growth assets. However, returns will vary and are expected in some years to be low or negative, although to a lesser degree than the Super Growth option.
    1. Australian shares 20%
    2. International shares 33%
    3. International listed property (hedged) 7%
    4. Unlisted property 4%
    5. Global infrastructure 3%
    6. Australian bonds 8%
    7. International bonds hedged 5%
    8. Global inflation linked securities 3%
    9. Alternatives 12%
    10. Cash 5%
    Allocations shown may vary by up to +/- 15%
  • If you are looking for a stable investment with a higher rate of return than cash. This option invests in cash and bonds making it more stable than a share investment. However, there is a possibility your investment could fall in value.
    Members Comfortable With:

    2 negative years in a 20 year period

    Investment Timeframe:

    3 years plus

    Risk Profile

    Low to medium

    Performance objective
    To earn a rate of return that exceeds Consumer Price Index increases by at least 1% pa over rolling 3 year periods.
    This option invests in
    Mainly in defensive assets (cash and bonds), with some growth assets also. Returns have the potential to be higher than just investing in cash investments. Returns will vary and there is a still a slight possibility of delivering a negative return in any one year, but are likely to be more stable than options with a higher proportion to growth assets.
    1. Australian shares 9%
    2. International shares 14%
    3. International listed property (hedged) 4%
    4. Unlisted property 0%
    5. Global Infrastructure 2%
    6. Australian bonds 18%
    7. International bonds 11%
    8. Global inflation linked bonds 6%
    9. Alternatives 10%
    10. Cash 26%
    Allocations shown may vary by up to +/- 15%
  • If you are looking for regular income and a higher rate of return than cash. This investment option invests in shares and property so the value of your investment may fall in value.
    Members Comfortable With:

    2 negative years in a 20 year period

    Investment Timeframe:

    3 years plus

    Risk Profile

    Low to medium

    Performance objective
    To earn a rate of return that exceeds CPI increases by at least 1.0% p.a. over rolling 3 year periods.
    This option invests in
    Income-producing assets – with the remainder of the portfolio comprised of growth assets. As this investment option invests in shares and property the value of your investment may fall in value.
    1. Australian shares 10%
    2. International shares 5%
    3. International listed property (hedged) 7%
    4. Unlisted property 0%
    5. Global Infrastructure 4%
    6. Australian bonds 24%
    7. International bonds 15%
    8. Global inflation linked bonds 5%
    9. Alternatives 0%
    10. Cash 30%
    Allocations shown may vary by up to +/- 15%.
  • If you are looking for a low risk investment and are therefore happy with a lower rate of return. There is almost no risk that this investment could fall in value.
    Members Comfortable With:

    No likelihood of a negative return in a 20-year period

    Investment Timeframe:

    No minimum

    Risk Profile

    Very low

    Performance objective
    This option aims to provide net (after investment fees and tax) investment returns matching the CPI rate over rolling 3 year periods.
    This option invests in
    Predominantly in Australian short term money market investments.
    • Cash 100%
  • A highly quality, professionally managed, diversified Australian shares investment.
    Members Comfortable With:

    6 negative years in every 20 year period

    Investment Timeframe:

    5 years plus

    Risk Profile

    Very High

    Performance objective
    To grow the value of your super savings above the S&P/ASX 300 Accumulation Index over rolling 5 year periods.
    This option invests in
    Australian Shares 100%
    • Australian Shares 100% 
  • A high-quality, professionally managed, diversified International shares investment portfolio.
    Members Comfortable With:

    5 negative years in every 20 year period

    Investment Timeframe:

    5 years plus

    Risk Profile

    High

    Performance objective
    To grow the value of your super savings above the benchmark over rolling 5 year periods. The weighted average benchmark comprises: 50% MSCI All Country World Ex-Australia with Net Dividends Reinvested (Unhedged) Index and 50% MSCI All Country World Ex-Australia with Net Dividends Reinvested ($A hedged) Index.
    This option invests in
    50% International Shares (Hedged) 50% International Shares (Unhedged)
    • International Shares (Hedged) 50%
    • International Shares (Unhedged) 50%
  • A high quality, professionally managed, diversified domestic property securities investment portfolio.
    Members Comfortable With:

    6 negative years in every 20 year period

    Investment Timeframe:

    5 years plus

    Risk Profile

    High

    Performance objective
    To grow the value of your super savings above the S&P / ASX 300 Property Accumulation Index over rolling 5 year periods.
    This option invests in
    Australian Property Securities 100%
    • Australian Property Securities 100%
  • A high-quality, professionally managed, diversified global property securities investment portfolio.
    Members Comfortable With:

    6 negative years in every 20 year period

    Investment Timeframe:

    5 years plus

    Risk Profile

    Very high

    Performance objective
    To grow the value of your super savings above the FTSE / NAREIT Developed Markets Real Estate ($A Hedged) over rolling 5 year periods.
    This option invests in
    100% International Property Securities (Hedged)
    • International Property Securities (Hedged) 100%
  • A high-quality, professionally managed, diversified bond and fixed interest investment portfolio.
    Members Comfortable With:

    3 negative years in every 20 year period

    Investment Timeframe:

    3 years plus

    Risk Profile

    Medium

    Performance objective
    This option aims to grow the value of your super savings above the benchmark over rolling 3 year periods. Weighted average benchmark comprising 50% Bloomberg AusBond Composite Bond Index and 50% Barclays Global Aggregate A$ Hedged Index.
    This option invests in
    50% Australian Bonds 50% International Bonds (Hedged)
    • Australian Bonds 50%
    • International Bonds (Hedged) 50%

Retirement advice

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