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7 ethical Super options

7 ethical Super options

We have seven ethical super investment options ready-made for you to pick from to suit your needs. Each have different risk profiles for you to choose from based on your financial objectives, risk tolerance and personal financial situation.

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Tap on the dotted lines for explanations of financial or ethical investment terms

Fund_Defensive-1718690337399.svg
Defensive

Suitable for members who:

  • want a low risk of capital loss and low volatility with a short investment timeframe
Risk
risk meter icon: Very low
Very low
Min. investment timeframe
1
year
Strategic asset allocation
100% defensive
Fund_Conservative-1718690267230.svg
Conservative

Suitable for members who:

  • are closer to, or in retirement who need to protect their retirement savings and keep up with inflation
  • want a low volatility option
Risk
risk meter icon: Low to medium
Low to medium
Min. investment timeframe
4
years
Strategic asset allocation
32.5% growth
67.5% defensive
Default
Fund_Balanced-1718690150822.svg
Balanced (accumulation)

Suitable for members who:

  • are comfortable with a medium to high level of risk that have an investment timeframe horizon of at least 8 year

Risk
risk meter icon: Medium to high
Medium to high
Min. investment timeframe
8
years
Strategic asset allocation
72.5% growth
27.5% defensive
Fund_Growth-1718690823658.svg
Growth

Suitable for members who:

  • have a longer timeframe to accumulate retirement savings
  • are comfortable with short-term market fluctuations
Risk
risk meter icon: High
High
Min. investment timeframe
9
years
Strategic asset allocation
85% growth
15% defensive
Fund_High-Growth-1718690885439.svg
High Growth

Suitable for members who:

  • seek capital growth through growth assets such as Australian and international shares, unlisted property and alternative assets
  • longer timeframe and higher risk tolerance
Risk
risk meter icon: High
High
Min. investment timeframe
10
years
Strategic asset allocation
95% growth
5% defensive
Fund_International-1718690938581.svg
International Shares

Suitable for members who:

  • seek exposure to international companies who are comfortable with short term volatility
  • longer timeframe and higher risk tolerance
Risk
risk meter icon: High
High
Min. investment timeframe
7
years
Strategic asset allocation
95% growth
5% defensive
Fund_Australian-1718689993538.svg
Australian Shares

Suitable for members who:

  • seek capital growth through long-term investments
  • have a higher tolerance for risk
Risk
risk meter icon: Very high
Very high
Min. investment timeframe
7
years
Strategic asset allocation
95% growth
5% defensive
Mix your own investment options
Choose multiple investment options, and decide how much of your super balance is allocated to each option when you join
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* Past performance is not a reliable indicator of future performance. Fees differ by investment options, please consider the Product Disclosure Statement (PDS) Documents before making a decision. You can change your investment option any time; changes will incur a small cost.

Historical risk and returns

This chart represents the potential risk and return characteristics of our super and pension investment options based on historical data. It is not a forecast of actual risk or investment returns. The scale is indicative only.

Graph comparing historical risk and return of 7 ethical super investment options

Defensive: You want to keep your money safe and earn a steady, small return. You’re planning to use your money soon, so you don’t want to take big risks.

Neutral: You’re okay with a bit of up and down, but still want your money to grow slowly over time. You might use it in the medium term, so you want a balance between safety and growth.

Growth: You don’t need the money for a long time, so you’re happy to take more risks to grow your money more. You’re not worried about short-term ups and downs.

Invest with heart

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Australian Ethical offices are located on the lands of the Gadigal and Wurundjeri People.
Australian Ethical acknowledges the Traditional Owners of the countries on which we work, and recognise and celebrate their continuing connection to land, waters and culture. We pay our respects to Elders past and present and thank them for protecting Country since time immemorial.

See our Reconciliation Action Plan