Superannuation options Cash Savings Conservative Conservative Growth (Cbus High Growth Growth MySuper) Risk/return Risk level/ (band)22 Very low Low to medium Medium Medium to high High Deliver an after- Inflation plus 1% Inflation plus 2.25% Inflation plus 3.25% Inflation plus 3.75% Investment tax return equal to a yearover rolling a yearover rolling ayear over rolling ayear over rolling objective the RBA cash rate 10 year periods 10 year periods 10 year periods 10 year periods (adjusted for fees & tax) Likelihood of negative Negligible 1 to 2 in 2 to 3 in 3 to 4 5 to 6 annual returns in 20 years 20 years 20 years in 20 years in 20 years Actual negative returns 0 in 12 years 1 in 21 years 0 in 4 years 3 in 37 years 5 in 23 years 1.84 12.55 19.34 25.95 6.77 5.95 Annual returns 1.12 5.35 9.81 9.55 12.09 10.99 at 30 June 2021 0.12 n/a n/a 1 year 5 years10 years 1 year 5 years10 years 1 year5 years10 years 1 year5 years10 years 1 year 5 years10 years Annual return since 2.15% 5.98% 7.21% 9.25% 8.03% inception ( p.a.)23 (1/04/2009) (1/10/1999) (6/07/2017) (1/07/1984) (1/01/1998) Asset allocation (%) at 30 June 202124 Australian shares 0.00% Australian shares 7.81% Australian shares 16.01% Australian shares 22.60% Australian shares 32.51% Global shares 0.00% Global shares 9.80% Global shares 19.20% Global shares 27.06% Global shares 38.79% Emerging market shares 0.00%Emerging market shares 2.00%Emerging market shares 4.00%Emerging market shares 6.37% Emerging market shares 9.00% Private equity 0.00% Private equity 0.30% Private equity 0.40% Private equity 2.71% Private equity 3.70% Alternative growth 0.00% Alternative growth 1.40% Alternative growth 1.50% Alternative growth 1.55% Alternative growth 5.30% Infrastructure 0.00% Infrastructure 6.10% Infrastructure 8.60% Infrastructure 10.80% Infrastructure 5.60% Property 0.00% Property 6.00% Property 8.30% Property 10.55% Property 5.10% Global Credit26 0.00% Global Credit26 8.70% Global Credit26 7.40% Global Credit26 6.13% Global Credit26 0.00% Fixed interest 0.00% Fixed interest 26.30% Fixed interest 14.50% Fixed interest 5.84% Fixed interest 0.00% Cash 100.00% Cash 31.59% Cash 20.09% Cash 6.39% Cash 0.00% Table Notes for pages 54 & 55 22 Risk level: The Risk Level is based on an industry wide Standard Risk Measure, which relates to the number of expected negative annual returns over a 20-year period. 23 Returns are to the period ending 30 June 2021. 24 The strategic asset allocations and ranges for investment options are available on the website and in the Investment Guide. 25 Super Income Stream options - Fully Retired. 26 Global Credit was referred to as Mid-Risk Alternatives, as at 30 June 2021, and has been reframed as Global Credit effective 2 August 2021. 27 Investment performance is the gross return minus investment costs. Excludes account keeping administration fees and taxes, which are applied by the Cbus Self Managed platform, where applicable. Past performance is not a reliable indicator of future performance. 28 Since inception on 29 July 2015. 54 Annual Integrated Report 2021