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Diversified fixed

Investing in diversified fixed interest assets might be the right option if you’re looking to manage your exposure to risk.    The Diversified Fixed Interest – Indexed option invests in government bonds and other debt securities, such as loans to government, semi-government authorities or companies. 

This option is designed to provide capital stability while minimising the fees you pay. It seeks to add modest value above an established market index through a low cost, enhanced passive approach over the long term.

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At a glance  (Transition to Retirement)

Investment time frame
2 years +
Level of investment risk
Medium to high
Likelihood of negative returns
Growth/defensive allocation
0% growth / 100% defensive
Total investment fees and costs*
0.10%
Return target
CPI - 0.5% 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 apply. For a full breakdown of fees and costs, see the Pension Guide.
^ The Diversified Fixed Interest – Indexed investment option was introduced on 18 March 2022. 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.

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Who is Diversified Fixed Interest – Indexed suitable for?  

Members with a two years–plus investment time frame who are seeking exposure to a portfolio of Australian and international government bonds and other investment-grade debt.  
 
This option is designed for members with a primary focus on minimising fees. It uses an indexed-enhanced strategy based upon an established market index and then seeks to add modest value by exploiting market inefficiencies. It aims to provide capital stability and a return above cash over a market cycle.   

Our target 

asset mix 

Diversified Fixed Interest - Indexed
Asset class  
Benchmark  Range  
Diversified fixed interest 100%90-100%
Cash0%0-10%

Investment managers may invest a proportion of this option’s assets in cash for management purposes from time to time. 

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


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.