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Investment options
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Investment options

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
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Our diversified option

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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†

Donut chart showing asset allocation with top shares: International 29.5%, Australian 22%, Infrastructure 12.5%.
Asset class Benchmark Range
Australian Shares 22.0% 10–30%
International Shares 29.5% 20–40%
Opportunistic Growth 4.5% 0–10%
Property 7.0% 5–20%
Infrastructure 12.5% 5–20%
Agriculture 4.5% 0–10%
Alternative Debt 6.0% 0–10%
Fixed Interest 9.0% 5–20%
Cash 5.0% 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.

Illustration of balance scales

Balanced Growth (Income accounts)

Investment objective: To beat the Consumer Price Index by 3.50% per annum over a 10 year period, after investment fees and costs, and investment taxes.

Asset allocation†

Donut chart showing asset allocation with top shares: International 29.5%, Australian 22%, Infrastructure 12.5%.
Asset class Benchmark Range
Australian Shares 22.0% 10–30%
International Shares 29.5% 20–40%
Opportunistic Growth 4.5% 0–10%
Property 7.0% 5–20%
Infrastructure 12.5% 5–20%
Agriculture 4.5% 0–10%
Alternative Debt 6.0% 0–20%
Fixed Interest 9.0% 5–30%
Cash 5.0% 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

Yellow circle with white dollar sign

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% Defensive/0% Growth.

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 icon on navy background

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.

Yellow circle with map of Australia outline in white

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.

Illustration of Australian shares small companies icon

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.

Illustration of world shares icon

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.

Illustration of emerging markets

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 1 July 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).

How your super is invested

Your super doesn’t just sit in your account. It’s invested with the aim of growing your savings over time.

Watch this video to learn how investing works at BUSSQ and why choosing an investment option that suits you is important.

Understanding investments

Learn more about investment performance and risk, and what to consider when reviewing or changing how your super is invested.

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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

Use our risk calculator to better understand your attitude to risk and explore which investment options may suit your goals and circumstances.

Try the Investment risk calculator
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Changing your investment options

Your investment needs may change over time. Understand your options and what to consider before making a change.

Change investment options

Get advice to help you choose

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^.

Get in touch

Investment articles

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Investment market update September 2026

Bill Watson, BUSSQ's Chief Investment Officer, provides an overview of investment market performance for the first quarter of 2026/27.

Read more
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Get your super sorted with our new member checklist

This super member checklist explains what to do after joining our super fund. We share simple super account setup steps to help you get the most out of your BUSSQ account and prepare for retirement.

Read more
Performance graph

Managing investment risk in retirement

In this video, Cameron from our Retire Ready team talks about managing the financial risks associated with retirement planning.

Read more
Footnotes and disclaimers

^ 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.  

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This website provides general information only. It does not consider your personal objectives, financial situation or needs. Before acting, you should read the Product Disclosure Statement (PDS) and Target Market Determinations to consider whether the product is right for you.

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