Note: The Target Return Option was introduced on 1 January 2006.

Objective: The Target Return Option seeks high long-term returns through exposure to specific risk. The objective is to out-perform (after fees and tax) the Consumer Price Index increase plus 7 per cent a year over rolling seven-year periods.

Strategy: This option consists of a portfolio of Target Return investments that include high-yield debt, unlisted property, infrastructure, private equity and natural resources. These are typically large investments in a range of industrial sectors and geographical locations. They have long time horizons and often low liquidity. Target Return assets are usually acquired opportunistically.

Level of risk: High. This option might produce negative returns from time to time. It has exposure to specific risk, market risk, current risk and liquidity risk.

Typical investor: Members who are able to take on above-average risk with an investment horizon of at least five years. Members with a long-term investment horizon and a substantial existing market risk exposure.

Performance Crediting Rates

For the latest crediting rates, please refer to the interim crediting rates

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