Investment targets

Very confident

Confident

Slightly confident

Slightly cautious

Cautious

Very cautious

Growth asset range

85%-100%

60%-85%

50%-60%

40-50%

15%-40%

0%-15%

Expected return (pa)

7.0%-8.5%

6.0%-7.5%

5.5%-6.5%

5.0%-6.0%

4.0%-5.5%

3.5%-4.5%

Expected return above CPI (pa)

4.5%-6.0%

3.5%-5.0%

3.0%-4.0%

2.5%-3.5%

1.5%-3.0%

1.0%-2.0%

Negative years in 20 years

5-6 years

4-5 years

3-4 years

3 years

2-3 years

0-1

Investment horizon

5-6 years

4-5 years

3-4 years

3 years

2-3 years

2 or less

Options (Investment mix)

15% Balanced Growth
and
85% High Growth

80% Balanced Growth
and
20% High Growth

35% Conservative Growth
and
65% Balanced Growth

60% Conservative Growth
and
40% Balanced Growth

10% Cash
and
90% Conservative Growth

75% Cash
and
25% Conservative Growth

What this investment mix may return

This would give you growth assets in the region of 95%.
You could anticipate returns of about 4% above CPI over a rolling 10 year period.
On average, you should expect a negative return about 4 years in every 20.
The investment horizon would be at least 10 years.

This would give you growth assets in the region of 75%.
You could adnticipate returns of about 3.0%-4.0% above CPI over a rolling 10 year period.
On average you would expect a negative return about 4 years in every 20.
The investment horizon would be around 10 years.

This would give your growth assets in region of 55%.
You could anticipate returns of about 3% above CPI over a rolling 10 year period.
On average you would expect a negative return about 3 years in every 20.
The investment horizon would be around 8-10 years.

This would give you growth assets in the region of 45%.
You could anticipate returns of about 2%-2.5% above CPI over a rolling 10 year period.
On average you would expect a negative return about 2-3 years in every 20.
The investment horizon would be around 5-6 years.

This would give you growth assets in the region of 25%.
You could anticipate returns of about 1,5% above CPI over a rolling 10 years period.
On average you would expect a negative return about 1 year in every 20.
The investment horizon would be around 3 years.

This would give you growth assets in the region of 7.5%. You could anticipate returns of about 0.75% to 1% above CPI over a rolling 10 year period.
On average you would expect a negative returns about 1 year in every 20.
This investment horizon would be around 2 years.