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Our investment performance

Investment performance for each option is calculated after fees and taxes (please note that past performance is no indication of future performance).

Performance is calculated based on the actual value of investment option assets as at the end of the quoted performance period (which is 1 July 2019 to 30 June 2020 for this report) and is indicative only of the returns that a customer achieves on their investment.

Earning rates (for CSS and PSS) and unit prices (for MilitarySuper, PSSap, CSCri and ADF Super) are used for daily customer transactions and will determine the actual performance a customer achieves based on the timing and amount of their individual transactions. The earning rates and unit prices are determined based on the best available information at the time they are declared. Valuations are incorporated into the calculations for earning rates and unit prices as soon as practical after they are received.

Using earning rates or unit prices to calculate investment performance for the 1 July 2019 to 30 June 2020 period will provide similar – but not identical – returns to the investment performance figures published below in tables 18–24. Analysis of CSC’s investment performance is included in our Chair’s report and in the Annual Performance Statement.

Table 18. CSS investment performance to 30 June 2020

Objective

1 year %

3 years

% pa

5 years

% pa

7 years

% pa

10 years

% pa

15 years

% pa

Australian inflation

-0.3

1.1

1.3

1.5

1.8

2.2

Options

Default Fund

To outperform the CPI by 3.5% per annum over 10 years

-0.8

5.4

5.5

7.3

7.4

6.2

Cash Investment Option

To preserve capital and earn a pre-tax return in line with that of the Bloomberg AusBond Bank Bill Index by investing 100% in cash assets

0.9

1.4

1.5

1.7

2.3

3.1

Table 19. PSS investment performance to 30 June 2020

Objective

1 year %

3 years

% pa

5 years

% pa

7 years

% pa

10 years

% pa

15 years

% pa

Australian inflation

-0.3

1.1

1.3

1.5

1.8

2.2

Options

Default Fund

To outperform the CPI by 3.5% per annum over 10 years

-1.1

5.2

5.4

7.2

7.3

6.2

Cash Investment Option

To preserve capital and earn a pre-tax return in line with that of the Bloomberg AusBond Bank Bill Index by investing 100% in cash assets

0.8

1.3

1.5

1.6

2.2

3.1

Table 20. MilitarySuper investment performance to 30 June 2020

Objective

1 year %

3 years

% pa

5 years

% pa

7 years

% pa

10 years

% pa

15 years

% pa

Australian inflation

-0.3

1.1

1.3

1.5

1.8

2.2

Options

Cash

To preserve capital and earn a pre-tax return in line with that of the Bloomberg AusBond Bank Bill Index by investing 100% in cash assets

0.7

1.3

1.4

1.6

2.2

3.1

Income focused

To outperform the CPI by 2% per annum over 10 years

3.5

5.6

5.8

6.0

5.6

4.9

Balanced (default)

To outperform the CPI by 3.5% per annum over 10 years

-1.1

5.2

5.4

7.1

6.6

5.5

Aggressive

To outperform the CPI by 4.5% per annum over 10 years

1.7

7.2

6.9

9.0

8.3

5.9

Table 21. PSSap investment performance to 30 June 2020

Objective

1 year %

3 years

% pa

5 years

% pa

7 years

% pa

10 years

% pa

15 years

% pa

Australian inflation

-0.3

1.1

1.3

1.5

1.8

2.2

Options

Cash

To preserve capital and earn a pre-tax return in line with that of the Bloomberg AusBond Bank Bill Index by investing 100% in cash assets

0.7

1.2

1.4

1.6

2.2

3.1

Income focused

To outperform the CPI by 2% per annum over 10 years

3.6

5.6

5.7

5.9

6.1

5.5

MySuper balanced (default)

To outperform the CPI by 3.5% per annum over 10 years

-1.1

5.2

5.3

7.2

7.3

6.3

Ancillary Balanced

To outperform the CPI by 3.5% per annum over 10 years

-1.1

5.2

5.3

7.1

7.3

6.3

Aggressive

To outperform the CPI by 4.5% per annum over 10 years

1.9

7.2

6.9

9.0

8.8

7.2

Table 22. CSCri investment performance to 30 June 2020

1 year %

3 years % pa

5 years % pa

7 years % pa

Australian inflation

-0.3

1.1

1.3

1.5

Options

Cash

0.9

1.5

1.7

1.9

Income focused (default)

4.4

6.2

6.2

6.5

Balanced

-0.3

5.8

5.9

7.9

Aggressive

2.5

8.2

7.6

10.0

Note: The date of inception of the Cash, Income Focused and Balanced options was 7 May 2013, and 25 June 2013 for the Aggressive Option.

Table 23. CSCri TRIS investment performance to 30 June 2020

Objective

1 year %

3 years % pa

Australian inflation

-0.3

1.1

Options

Cash

To preserve capital and earn a pre-tax return in line with that of the Bloomberg AusBond Bank Bill Index by investing 100% in cash assets

0.7

1.2

Income focused

To outperform the CPI by 2% per annum over 10 years

3.6

5.8

Balanced (default)

To outperform the CPI by 3.5% per annum over 10 years

-1.0

5.3

Aggressive

To outperform the CPI by 4.5% per annum over 10 years

2.1

7.4

Table 24. ADF Super investment performance to 30 June 2020

Objective

1 year %

3 years % pa

4 years % pa

Australian inflation

-0.3

1.1

1.3

Options

Cash

To preserve capital and earn a pre-tax return in line with that of the Bloomberg AusBond Bank Bill Index by investing 100% in cash assets

0.7

1.3

1.4

Income focused

To outperform the CPI by 2% per annum over 10 years

3.4

5.5

5.6

MySuper Balanced (default)

To outperform the CPI by 3.5% per annum over 10 years

-1.3

5.1

6.2

Aggressive

To outperform the CPI by 4.5% per annum over 10 years

1.8

7.2

8.3