Asset classes

Investments can be divided into two types – growth assets, and defensive assets. Our investment options offer a mix of these types of assets. 

Growth assets carry higher risk, but they can deliver higher returns over the long term. Defensive assets generally carry less risk, and can therefore be used to protect your investment against loss. However, defensive assets generally deliver lower returns over the long term.

It is important to understand that when you invest in a particular investment option, you will not hold any legal or beneficial interest in any of the specific assets underlying the investment option. Rather, you are selecting an exposure to certain types of assets such as cash, fixed interest, property, alternative assets, or shares. More information about different asset classes is available in the Investment Guide

Jargon Buster - What does it mean?

The Strategic asset allocation tables provided for each of Media Super’s investment options contain terms that we are required to use, as prescribed by Australia’s superannuation regulators.

Below, we provide the plain English meaning of each of these terms, to help you understand the breakdown of each option.

Regulators term What it means
Asset class type What type of asset is it? Shares, fixed interest, cash, etc.
Asset domicile type Where is the asset based? Australia or overseas.
Asset listing type Is the asset listed (available to buy publicly, such as on the stock market) or unlisted (not available to buy publicly)?

For example, the Balanced (MySuper) option has the following asset allocation:

Asset class type Asset domicile type Asset listing type What kind of asset is it?
Equity Australian domicile Listed Australian Shares
Equity International domicile Listed Overseas Shares
Infrastructure n/a Unlisted Infrastructure
Property Australian domicile Unlisted Property
Other n/a Unlisted Opportunistic
Fixed Income n/a n/a Fixed Interest
Cash Australian domicile Unlisted Cash