Where are you at with your super?

Balanced Growth

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

  • Risk High

Estimated number of negative annual returns is 4.2 out of every 20 years.#

Income Stream annual returns
Return
 30 June 2018 10.41% 
 30 June 2017
12.29%
 30 June 2016 3.08%
 30 June 2015 10.81%
 30 June 2014 13.70%
Retirement Income Account 5 year average^
9.99%
Retirement Income Account 10 year average^
6.87%
 Transition to Retirement annual returns
 Return
30 June 2018
 8.87%
5 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.+

Changing your investment options can be done through Member Online or by completing the Change to Member Investment Choice Form.


Fees and other costs

  • QIEC Income Stream PDS 1403.04 KB PDF

    Download

More information

  • Change to Member Investment Choice Form 142.6 KB PDF

    Download

Past performance is not a reliable indicator of future performance.

Option available from 01/07/2001.

Approximately 17% of the International Equities asset class and approximately 100% of the USD exposure within the Growth Alternatives and Property strategic asset allocations are hedged to Australian dollars. This is subject to change at the discretion of the Trustee.

* The TTR Balanced Growth option (subject to tax on earnings) was newly established at that time, so has no return history.

#Please refer to the QIEC Income Stream PDS for more information on Standard Risk Measures.

** Includes a mixture of Australian and International Fixed Interest.

^ This figure is the compound average effective rate of net earnings of the investment option over the period.

+ 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.