Sustainable Moderate
Keep things moving as you retire.
Prepare to retire while staying true to you
Near retirement? This option lets you invest ethically, without the high risk. Keep your money growing steadily while staying true to your values. It’s the smart, empowering choice for your next chapter, making a positive impact along the way.
Product lowdown
The nitty-gritty details.
Moderate Growth
Designed to outpace inflation by 1.75% p.a. over rolling 5 years (after investment fees and taxes).
Invest Sustainably
Invest in a product that’s ethically screened to support both climate and social impact solutions.
Medium Risk
With 25%-50% growth assets and a 50%-75% defensive allocation, this is for investors who are nearing retirement and want a steadier pace.
It only takes 5 minutes.
Diversification is taken care of for you.
Asset allocation As of 24 May 2025. This information is subject to change. The asset allocation reflects a strategic mix, but the actual allocation may vary due to market movements, contributions, withdrawals, or changes in investment types. Target: The asset allocation expected to achieve the investment objective over the investment period. Range: The potential variation of the asset allocation due to trading activity and market movements.
Growth
International shares
Exposure to global markets, often diversified across regions.
25%
10-40%
Australian shares
Investments in publicly traded Australian companies.
10%
0-20%
Alternatives-growth
Assets with long term growth potential with characteristics that differ from traditional shares.
5%
0-10%
Defensive
Fixed interest
Investments that provide a regular, predictable return (mostly income) over a set period.
35%
20-50%
Cash
Low-risk assets such as term deposits and treasury bills.
15%
5-30%
Alternatives-defensive
Assets with income potential characteristics that differ from traditional bonds.
10%
0-20%
Here’s a quick overview of how this option performs.
Before you commit, here’s what you need to know.
Risk band Risk band 4 means a balanced exposure to growth assets like shares and defensive assets like bonds. Ideal for those nearing retirement with a medium risk tolerance. The risk band is based on regulated Standard Risk Measure guidelines.
4
Expected return and risk profile Expected return is medium. This option aims for balanced returns, designed to weather market fluctuations.
Medium
Estimated number of negative annual returns over any 20 year period Over any 20-year period, you can expect 2 to 3 negative returns. While the potential for growth is high, there will be periods of volatility along the way.
2 to less than 3
Suggested minimum timeframe 1 The suggested minimum time frame for this investment is 5 years.
5 years
¹ Your investment time horizon is your game plan — AKA how long you're investing to reach your goals. Investments are generally broken down into two main categories: growth (riskier – such as stocks) and defensive (less risky – such as bonds). The longer the time horizon, the more aggressive, or riskier, a portfolio an investor can build.
How fees and costs will impact your investment.
Fees and costs (p.a.)
1.220% + $60
Example based on $50,000 balance (p.a.)
$670.00
These fees are the total Administration Fees and Costs, Investment Fees and Costs and Transactional Costs payable by you in respect of your investment in the Sustainable Moderate investment option. Other fees and costs may apply to your account. Please read the PDS, How Verve Super Works Guide and TMD for full details about how fees and costs may impact your investment.
Verve Super members taking parental leave, whether by birth or adoption, may apply for a refund of the dollar-based administration fee for up to 12 months, if eligible.
Available to all members, regardless of gender.
Applies for parents by birth or adoption.
Refund available for up to 12 months.
Must have taken parental leave or reduced working hours.
It only takes 5 mins to join Verve Super.
