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Balanced

Our award-winning Balanced investment option seeks to provide strong long-term returns through a range of assets.

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At a glance (Transition to Retirement)

Investment time frame
5 years +
Level of investment risk
Medium to high
Likelihood of negative returns
Growth/defensive allocation
76% growth / 24% defensive
Total investment fees and costs*
1.06%
Return target
CPI + 4.0% p.a. over 20 years
Net return^
-

* Investment costs are based on estimated and actual information from the previous financial year. The costs payable in future years may be higher or lower. Administration and other fees also apply. For a full breakdown of fees and costs, see the Pension Guide
^ Investment return over 10 years to 31 August 2024, net of investment fees and costs. Administration and other costs apply. Returns won’t display for options younger than 10 years. See investment returns page for returns over all available periods.

A top performer

If you’re looking for a pre-mixed investment option with strong long-term returns, our Balanced option may be right for you. In fact, our Balanced option is one of the top performers out of all Balanced options over 10 years1

Actively managed, highly diversified

As an actively managed investment option, our Balanced option aims to generate returns by carefully selecting and managing its investments. It contains a highly diversified mix of growth and defensive assets – including listed equities, unlisted property, unlisted infrastructure, private equity, credit, cash, alternatives, diversified fixed interest – that are designed to grow in value while spreading your risk.  

Our most popular option

The majority of Hostplus members invest in this award-winning option.

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Who is Balanced suitable for?

Members with a five years–plus investment time frame who are seeking an actively managed, highly diversified, pre-mixed investment option with access to growth and defensive assets. 

Our target

Asset mix

Balanced
Asset classBenchmarkRange
Australian shares                   21%                                               10–40%                                       
International shares (developed markets)                                                                                                                           21%10–40% 
International shares (emerging markets) 8%0–15% 
Property 11%0–30% 
Infrastructure 11%0–30% 
Private equity 10%0–25% 
Credit 7%0–20% 
Alternatives 3%0–20% 
Diversified fixed interest 3%0–20% 
Cash5%0–15% 

Head to Pension Online to choose the investment option that’s right for you.

Past

Performance

Transition to Retirement

This table shows the 12-month net return for our Balanced option at 30 June each year. The net return is the money the investment has earned, minus investment costs and taxes.2

Year20182019202020212022
Return 12.37% 6.32%-2.01%22.44%1.44%

This table shows the average net return for our Balanced option over 3, 5 and 10 years to 30 June 2022.2

Year3 years5 years10 years
Average return (p.a.) 6.76% 7.77% -

Get ready for a positive future with a Hostplus retirement account

It takes about 20 minutes to apply for a Hostplus retirement account online, or you can call us on 1300 348 546 to discuss your options.


1.Hostplus’ Balanced option is ranked number one versus peers over 5 and 10 years. Source: SuperRatings Accumulation & Pension Fund Crediting Rate Surveys – SR50 Balanced (60–76) Index, June 2022. No independent performance surveys exist for Transition to Retirement products. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund.
2. Administration and other fees also apply. For a full breakdown of fees and costs, see the Pension Guide. Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a superannuation fund..