Where are you at with your super?

High Growth

This investment option has a diversified but balanced asset allocation, but has more exposure to Australian and International share markets than the Balanced Growth investment options.

When choosing investment options you can nominate one investment option or a mix of different options.

If you don’t make an investment choice, your money will be invested in the Balanced Growth option.

To achieve a crediting rate equivalent to CPI plus 4% per annum over rolling ten year periods.

  • Investment period At least 10 years

  • Risk High

Estimated number of negative annual returns is 4.8 over any 20 year period.#

Income Stream annual returns
30 June 2018  12.47% 
30 June 2017
30 June 2016 3.21%
30 June 2015 12.36%
30 June 2014 14.55%
Retirement Income Account 5 year average**
Retirement Income Account 10 year average**
 Transition to Retirement annual returns
30 June 2018
5 year average++^
10 year average++^

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


More information

  • Change to Member Investment Choice Form 142.6 KB PDF


Past performance is not a reliable indicator of future performance.

Option available from 01/02/2004.

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.

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

** The average crediting rates are calculated from the date the option became available to 30 June 2018. “Average” is the compound average effective rate of net earnings of the investment option over the period.

^ The Federal Government requires 15% tax to be applied to the earnings of Transition to Retirement (TTR) accounts from 1 July 2017. To implement this, TTR members have their assets invested in an asset pool where the tax on investment earnings is applied. Note that the 5 and 10 year average returns disclosed above relate to the current investment options which TTR members are invested in, and which are subject to 15% tax on earnings, and (for those members who held a TTR account before 1 July 2017) are not the average returns of the investment options TTR members were invested in prior to 30 June 2017, which were not subject to tax on earnings.

+ 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.

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

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.