The Long-term option aims to achieve moderate to high investment returns, while accepting a medium level of investment risk. This option is only available as part of a Managed Pension.
The Long-term option is solely used to deliver the Managed Pension investment strategy which aims to provide members with stable, regular payments, indexed to general price inflation, until age 90 (but this is no guarantee). The graph shows the value of an initial investment of $1,000 in this option over time.
Deducted from investment returns before unit prices are determined and directly applied to your account. See Important information below.
Risk band 5
You may expect 3-4 negative annual returns in a 20-year period.
Strategic Asset Allocation
This is the target range for holdings in each asset class within an option. The asset allocation may be re-balanced within these ranges to help achieve the option’s investment return objective.
As a Spirit Super member, you have access to advice from our super experts.
Grow your super
By adding a little extra when you can, you’ll super-charge your savings over the long term.