Super choice survival guide

How to get the greatest benefit from super choice.
 
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  • Updated:6 Jan 2005
 

05.Performance

Super is a long-term investment so don’t judge any fund on the basis of short-term performance figures. Table 1, below, will help you to ‘position’ your current fund’s performance and any others you’re evaluating.

Does each fund perform above or below average over at least three years for the particular investment option you’re considering?

Be sure to compare ‘crediting rates’ to ascertain a fund’s performance net of fees and taxes.

Use the Top Performers table to identify consistent performers over the long term across a range of investment options.

    Returns after all fees & taxes
Investment option 1 yr (%) 3 yrs (%pa) 5 yrs (%pa)
Growth Best 18.0 10.6 9.7
Average 13.4 4.5 4.0
Worst 2.2 -9.6 -0.2
Balanced Best 19.1 9.4 9.2
Average 11.3 5.1 4.7
Worst 3.2 1.4 2.0
Capital stable Best 13.5 7.6 7.3
Average 7.3 4.8 4.6
Worst 2.3 1.7 2.1
Capital guaranteed Best 9.7 5.4 6.0
Average 5.2 3.9 4.1
Worst 0.8 0.7 1.3
Australian equities Best 58.6 22.5 15.7
Average 23.6 9.3 8.2
Worst -5.9 -15.1 2.0
International equities Best 16.0 3.2 0.1
Average 5.9 -5.4 -7.4
Worst -4.6 -17.1 -22.4
Property Best 21.7 15.1 14.6
Average 15.2 11.3 11.7
Worst 6.9 5.9 8.0
Australian fixed interest Best 6.5 8.7 6.8
Average 3.7 4.6 4.4
Worst 0.5 1.5 1.7
Cash Best 5.1 4.9 5.0
Average 3.8 3.5 3.8
Worst 0.9 0.5 0.6