Depending on where you are in life and how much risk you want to take, Capital Stable might be the right option for you. It’s our lowest risk diversified pre-mixed option.
* 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.
If you’re looking for Hostplus’ lowest-risk pre-mixed investment option, then Capital Stable may be for you. Compared to our Balanced option, Capital Stable invests less in growth assets such as shares, and more in fixed interest and cash.
Capital Stable is a pre-mixed option, meaning it invests in different types of assets, including fixed interest, cash, listed equities, property, infrastructure, private equity, credit and alternatives.
The Capital Stable option ranks in the top quarter for investment returns over 10 years, compared to similar options.1 And that’s after all investment fees and taxes have been paid.
Members with a five years–plus investment time frame who are seeking the lowest risk diversified pre-mixed option.
Capital Stable has been designed for members seeking a much lower allocation to growth assets such as equities (shares) and a much higher allocation to defensive assets such as fixed interest and cash, compared to the Balanced option.
Asset class | Benchmark | Range |
---|---|---|
Australian shares | 8% | 0–30% |
International shares (developed markets) | 8% | 0–30% |
International shares (emerging markets) | 3% | 0–10% |
Property | 11% | 0–25% |
Infrastructure | 11% | 0–25% |
Private equity | 1% | 0–10% |
Credit | 6% | 0–20% |
Alternatives | 6% | 0–20% |
Diversified fixed interest | 25% | 10–50% |
Cash | 21% | 10–50% |
This table shows the 12-month net return for our Capital Stable option at 30 June each year. The net return is the money the investment has earned, minus investment costs and taxes.2
Year | 2018 | 2019 | 2020 | 2021 | 2022 |
---|---|---|---|---|---|
Return | 6.81% | 3.71% | -1.64% | 8.93% | -0.96% |
This table shows the average net return for our Capital Stable option over 3, 5 and 10 years to 30 June 2022.2
Year | 3 years | 5 years | 10 years |
---|---|---|---|
Average return (p.a.) | 1.99% | 3.28% | - |
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. Source: SuperRatings Pension Fund and Accumulation Fund Crediting Rate Surveys – SR50 Capital Stable (20–40) 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.