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Investment options

Investment options

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At BUSSQ, we offer a range of investment options, so you can choose an investment strategy that suits your goals, timeframe and preferred level of risk. You can invest in a single option or combine options to create your investment mix. The sections below outline the options available.

You have choice to flex

Whether you’re saving for retirement or already retired, the investment choices you make today, and how you adjust them over time, can make a real difference. With our Foundation + Flex investment approach, you can choose how your super is invested.

Find out more

Our diversified option

Balanced Growth (Super and Transition to Retirement (TTR) accounts)

Investment objective: To beat the Consumer Price Index by 3.25% per annum over a 10 year period, after investment fees and costs, and investment taxes.

Asset allocation†

Balanced Growth chart
Asset class Benchmark Range
Australian Shares 22.7% 15–35%
International Shares 27.5% 15–35%
Opportunistic Growth 0.0% 0–10%
Property 6.8% 5–20%
Infrastructure 11.7% 5–20%
Agriculture 4.0% 0–10%
Opportunistic Debt 0.0% 0–10%
Fixed Interest 17.5% 5–20%
Cash 9.8% 0–10%

Target growth/defensive allocation: 75% Growth/25% Defensive.

Suggested minimum investment timeframe: At least five years.

Likelihood of negative annual return*: 3 to less than 4 years over any 20 year period.

Risk level*: Medium to High.

Balanced Growth (Income accounts)

Investment objective: To beat the Consumer Price Index by 3.25% per annum over a 10 year period, after investment fees and costs, and investment taxes.

Asset allocation†

Balanced Growth chart
Asset class Benchmark Range
Australian Shares 22.7% 15–35%
International Shares 27.5% 15–35%
Opportunistic Growth 0.0% 0–10%
Property 6.8% 5–20%
Infrastructure 11.7% 5–20%
Agriculture 4.0% 0–10%
Opportunistic Debt 0.0% 0–20%
Fixed Interest 17.5% 5–30%
Cash 9.8% 0–10%

Target growth/defensive allocation: 75% Growth/25% Defensive.

Suggested minimum investment timeframe: At least five years.

Likelihood of negative annual return*: 3 to less than 4 years over any 20 year period.

Risk level*: Medium to High.

Our single asset class options

Cash

Investment objective: To beat the Bloomberg AusBond Bank Bill Index over a 12 month period, after investment fees and costs and investment taxes#.

Asset allocation†

Cash chart
Asset class Benchmark
Cash 100%

Target growth/defensive allocation: 100% Growth/0% Defensive.

Suggested minimum investment timeframe: Less than 12 months.

Likelihood of negative annual return*: Aims to avoid negative annual returns in any year.

Risk level*: Very Low

Bonds

Investment objective: To closely match the returns of a weighted index: 50% to the Bloomberg AusBond Composite 0+ Yr Index and 50% to the Bloomberg Barclays Global Aggregate Index (AUD hedged), before fees, costs and tax.

Asset allocation†

Bonds chart
Asset class Benchmark Range
Australian Fixed Interest 50% 35–65%
International Fixed Interest 50% 35–65%
Cash 0% 0–5%

Target growth/defensive allocation: 100% Defensive/0% Growth.

Suggested minimum investment timeframe: At least five years.

Likelihood of negative annual return*: 1 to less than 2 years over any 20 year period.

Risk level*: Low to Medium.

Australian Shares

Investment objective: To beat the S&P/ASX 300 Index (adjusted for franking credits) over a 10 year period, after investment fees and costs and investment taxes#.

Asset allocation†

Australian Shares chart
Asset class Benchmark
Australian Shares 100%

Target growth/defensive allocation: 100% Growth/0% Defensive.

Suggested minimum investment timeframe: At least 10 years.

Likelihood of negative annual return*: 6 years or more over any 20 year period.

Risk level*: Very High.

Australian (Small Companies) Shares

Investment objective: To beat the S&P/ASX Small Ordinaries Index (adjusted for franking credits) return over a 10 year period, after investment fees and costs and investment taxes#.

Asset allocation†

Australian (Small Companies) Shares chart
Asset class Benchmark
Australian (Small Companies) Shares 100%

Target growth/defensive allocation: 100% Growth/0% Defensive.

‍Suggested minimum investment timeframe: At least 10 years.

Likelihood of negative annual return*: 6 years or more over any 20 year period.

Risk level*: Very High.

International Shares

Investment objective: To beat the MSCI All Country World Index (excluding Australia) over a 10 year period, after investment fees and costs and investment taxes#.

Asset allocation†

International Shares Chart
Asset class Benchmark
International Shares 100%

Target growth/defensive allocation: 100% Growth/0% Defensive.

Suggested minimum investment timeframe: At least 10 years.

Likelihood of negative annual return*: 6 years or more over any 20 year period.

Risk level*: Very High.

International (Emerging Markets) Shares

Investment objective: To beat the MSCI Emerging Markets Index over a 10 year period, after investment fees and costs and investment taxes#.

‍Asset allocation†

International (Emerging Markets) Shares chart
Asset class Benchmark
International (Emerging Markets) Shares 100%

‍Target growth/defensive allocation: 100% Growth/0% Defensive.

Suggested minimum investment timeframe: At least 10 years.

Likelihood of negative annual return*: 6 years or more over any 20 year period.

Risk level*: Very High.

For further information about our investment options, including the associated fees and costs, see the relevant PDS.

† Figures accurate as at 31 March 2026.

* The likelihood of a negative annual return and the risk level are based on the Standard Risk Measure.

# Index returns adjusted for implied superannuation tax (where applicable).

Investments with BUSSQ

At BUSSQ, we help your super grow by investing it.

Watch the video to learn more.

Learn more about investments

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Investment performance

View the latest performance for our investment options and how they’ve tracked over time.

View our performance
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Investment risk calculator

If you’re wanting to learn about investments or you're considering changing your investments, our risk calculator can be a good place to start. It can help you get your head around investment risk and understand your own investment risk profile.

Try the risk calculator
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Changing your investment options

You can review and update how your super is invested at any time, as your needs change.

Learn more

Need help with your investment choices?

You don’t need to figure this out on your own. One of our in-house financial planners can work through the options with you and help you find an approach that suits your situation^.

Speak with us
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^ Personal advice is limited to BUSSQ products and is advice on insurance, investment choice, contributions, and retirement. The cost of this advice is included in the administration fees and costs. Personal advice is provided by our financial planners who are Authorised Representatives of Industry Fund Services Limited (IFS) (ABN 54 007 016 195 AFSL 232514). IFS is responsible for any advice given by its representatives.