Balanced Growth is QIEC Super’s balanced and diversified investment option for Income Stream accounts. It is also our default investment option which means your super will be automatically invested in the Balanced Growth investment option should you not make an investment choice.
Balanced Growth is invested across a mix of asset classes with a preference towards growth assets as opposed to defensive assets.
If you are a medium to long-term investor wanting exposure to growth assets, Balanced Growth may be the right option for you. However, it is important to remember that any investment option could experience negative returns, especially in the short-term and during periods of market instability.
To achieve a crediting rate equivalent to CPI plus 3% per annum over rolling ten year periods.
Investment period At least 5-7 years
Estimated number of negative annual returns is 4.2 out of every 20 years.#
| 30 June 2017
|30 June 2016||3.08%|
|30 June 2015||10.81%|
|30 June 2014||13.70%|
|30 June 2013||18.40%|
|Retirement Income Account 5 year average^
|Retirement Income Account 10 year average^
|Transition to Retirement Account 5 year average^^||N/A|
|Transition to Retirement Account 10 year average^^||N/A|
Are you unsure which investment options are right for you in retirement?
Deciding which option/s is right for your retirement savings is a personal decision that depends on factors such as your tolerance to risk, and how long you are investing for. It’s important to remember that even in retirement your super is a long-term investment, with your funds often needing to last 20 years or more.
We offer a range of tools and services which will assist you in determining what your risk appetite is and which investment options are right for you. Alternatively, you can make an appointment with QIEC Financial Planning by calling the QIEC Super Contact Centre on 1300 360 507. QIEC Financial Planning are able to assist you with a full spectrum of advice across both superannuation and non-superannuation issues.+
Fees and other costs
QIEC Income Stream PDS 5406.49 KB PDFDownload
Change to Member Investment Choice Form 69.03 KB PDFDownload
Past performance is not a reliable indicator of future performance.
#Please refer to the QIEC Income Stream PDS for more information on Standard Risk Measures.
* A currency hedge is applied by the Fund’s currency overlay manager. As at 30/6/2017, 17% of the International Equities strategic asset allocation was hedged and 100% of the Growth Alternatives strategic asset allocation was hedged. This is subject to change at the discretion of the Trustee.
** Includes a mixture of Australian and International Fixed Interest.
^ The average crediting rates are calculated from the date the option became available to 30 June 2017. “Average” is the compound average effective rate of net earnings of the investment option over the period.
^^ The TTR Balanced Growth option (subject to tax on earnings) was newly established at that time, so has no return history.
+ Fees may be charged for the provision of personal advice, but where the advice relates to your superannuation, these costs may be deducted from your superannuation account. All fees will be explained to you in detail prior to any advice being given and there are no ongoing commissions as QIEC Financial Planning work on a fee-for-service basis.
QIEC Financial Planning advice is provided by My Super Future Pty Ltd (ABN 38 122 977 888) Australian Financial Services Licensee (AFSL no. 411440) and is authorised to provide personal financial advice. The Trustee QIEC Super Pty Ltd (ABN 81 010 897 480) is not responsible for, and does not accept liability for the products or services or actions of My Super Future Pty Ltd. You should use your own judgement before taking up any product or service offered by My Super Future Pty Ltd.