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Pension Options

Same ethical values, three clever ways to invest

No matter which option you choose, each one aligns with climate and socially responsible values.

✔️ Screens out fossil fuel companies ✔️ Ethically screened ✔️ Invests for impact

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SustainableModerate
Retire with confidence without compromising your values. Enjoy peace of mind knowing your future is in good hands.
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SustainableBalanced Growth
Shape a retirement path that balances risk and return to support stability, all while staying true to your values.
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SustainableGrowth
Build higher growth for your super, while managing risk for long-term stability and financial security.

Let's break things down

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Strategy talk

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Sustainable

Moderate

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Sustainable

Balanced Growth

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Sustainable

Growth

Who's this for?

For retirees stepping into retirement, seeking steady returns without compromising their values.

For retirees seeking a balance of risk, return, and values to build a future with purpose. 

For retirees who want to grow their super without pushing it to the max risk-wise. 

Asset allocation 1

How risk and reward are balanced in order to achieve investment objectives

40% Growth
60% Defensive

70% Growth
30% Defensive

85% Growth
15% Defensive

How much risk is involved 2

Medium

Expected return is medium.

This option aims for steady returns. It’s designed for a balanced approach to manage market ups and downs while keeping risk at a moderate level.

High

Expected return is high, but so is the risk.

This option seeks high growth but may experience bigger market ups and downs. Best suited for those comfortable with volatility in pursuit of long-term returns.

High

Expected return is high, but so is the risk.

This option seeks high growth but may experience bigger market ups and downs. Best suited for those comfortable with volatility in pursuit of long-term returns.

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.

5+ years

10+ years

12+ years

Investment objectives

CPI + 2.0%

CPI (which stands for 'Consumer Price Index') is how much the price of stuff changes each year

Per annum over rolling five-year periods (after investment fees and taxes)

CPI + 3.0%

CPI (which stands for 'Consumer Price Index') is how much the price of stuff changes each year

Per annum over rolling ten-year periods (after investment fees and taxes)

CPI + 3.5%

CPI (which stands for 'Consumer Price Index') is how much the price of stuff changes each year

Per annum over rolling twelve-year periods (after investment fees and taxes)

Money talk

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Sustainable

Moderate

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Sustainable

Balanced Growth

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Sustainable

Growth

Fees and costs per year 3

1.220% + $60

1.261% + $60

1.280% + $60

Estimated negative annual returns

(over any 20-year period)

2 to less than 3

4 to less than 6

6 or more

Recent returns4

info

These are new investment options, so we’re still collecting performance data. We’ll update this section as soon as returns are available. Read more

Looking for Balanced Pension?

If you were moved to our legacy Balanced option after Balanced Growth Pension closed on 23 May 2025, find more details here.

1 

As of 24 May 2025. 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.

2 

Based on regulated Standard Risk Measure guidelines.

3 

The fees shown are the total Administration Fees and Costs, Investment Fees and Costs and Transaction Costs payable by you in respect of your investment in each investment option. Other fees and costs may apply to your account. Please read the Product Disclosure Statement and Target Market Determination for full details about how fees and costs may impact your investment.

4 

Returns are after investment fees, transaction costs and taxes, but before the percentage-based administration fees and dollar-based administration fees have been taken out. Returns for periods of greater than one year are on a per annum compound basis. Returns are not guaranteed and past performance is not a reliable indicator of future performance.

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