Track your superannuation performance across our three investment options
Investment Returns
CINSF offers three investment options tailored to different risk profiles and retirement timelines. Choose the option that best suits your financial goals and time to retirement.
Fund Performance
As at 30 April 2026 (Updated Monthly)
Conservative Option
Lower risk investment option focused on capital preservation with steady, reliable returns.
Risk Level
Low
12-Month Balance Trend
Conservative Fund
As at 31 April 2026 (Updated Monthly)
Past performance is not indicative of future results.
Current Balance
$102,450
As at December 2024
+4.2% this year
Monthly Update
Balances are updated on the 15th of each month following the close of the previous month
Asset Allocation
Key Characteristics
- Lowest volatility of the three options
- Focus on capital preservation
- Suitable for members close to retirement
- Regular, stable returns expected
Who is the Conservative Fund for?
Low Risk Profile
Designed for members seeking stability and capital preservation
Fixed Income Focus
Primarily invested in bonds, cash, and other fixed-income securities
Steady Returns
Consistent, predictable returns with minimal volatility
The Conservative Fund is ideal for members who prioritize capital preservation and are approaching retirement or prefer minimal investment risk. This fund is designed for those who value stability over high returns and seek a defensive investment strategy.
Members typically include those with a low risk tolerance, or those who prefer predictable, steady growth without significant market fluctuations.
How We Invest Your Money
Asset Allocation
Investment Philosophy
- Focus on capital preservation and income generation
- Investment in high-quality, investment-grade securities
- Minimal exposure to volatile asset classes
- Regular income through interest and dividends
- Defensive positioning during market uncertainty
Our Balanced Fund strategy provides exposure to growth assets while maintaining stability through defensive holdings. We diversify across equities, property, and fixed income to capture upside potential while cushioning against market downturns. This balanced approach aims to deliver consistent medium-term growth suitable for most retirement savers.
Balanced Option
Medium risk option balancing growth potential with stability through diversified investments.
Risk Level
Medium
12-Month Balance Trend
Balanced Fund
As at 31 March 2026 (Updated Monthly)
Past performance is not indicative of future results.
Current Balance
$118,680
As at December 2024
+6.8% this year
Monthly Update
Balances are updated on the 15th of each month following the close of the previous month
Asset Allocation
Key Characteristics
- Balanced approach to risk and return
- Diversified across asset classes
- Suitable for mid-career members
- Moderate volatility expected
Who is the Balanced Fund for?
Medium Risk Profile
Designed for members seeking balance between growth and stability
Diversified Approach
Spread across equities, property, and fixed income for optimal balance
Growth with Stability
Targets long-term growth while managing downside risk
The Balanced Fund is ideal for members who want to grow their retirement savings while maintaining a moderate level of risk. This fund balances growth assets like equities with defensive assets to provide smoother returns over time.
Members typically include those in mid-career (10-20 years from retirement), those comfortable with moderate market fluctuations, or those seeking a middle-ground approach to retirement investing.
How We Invest Your Money
Asset Allocation
Investment Philosophy
- Balanced exposure across multiple asset classes
- Diversification to manage risk and maximize returns
- Strategic allocation between growth and defensive assets
- Regular rebalancing to maintain target allocations
- Focus on long-term sustainable growth
Our Balanced Fund strategy provides exposure to growth assets while maintaining stability through defensive holdings. We diversify across equities, property, and fixed income to capture upside potential while cushioning against market downturns. This balanced approach aims to deliver consistent medium-term growth suitable for most retirement savers.
Growth Option
Higher risk option targeting maximum long-term capital growth through equity investments.
Risk Level
High
12-Month Balance Trend
Growth Fund
As at 31 March 2026 (Updated Monthly)
Past performance is not indicative of future results.
Current Balance
$134,920
As at December 2024
+9.5% this year
Monthly Update
Balances are updated on the 15th of each month following the close of the previous month
Asset Allocation
Key Characteristics
- Highest growth potential
- Greater short-term volatility
- Suitable for younger members
- Long-term wealth accumulation focus
Who is the Growth Fund for?
High Growth Focus
Designed for members seeking maximum long-term capital growth
Equity Investment
Heavily invested in shares and growth-oriented assets
Long-Term Horizon
Best suited for members with 15+ years until retirement
The Growth Fund is ideal for younger members or those with a long time horizon before retirement. This fund maximizes exposure to growth assets to deliver superior long-term returns, though with higher short-term volatility.
Members typically include those early in their career (20+ years from retirement), those comfortable with market fluctuations, or those seeking to maximize their retirement savings through aggressive growth strategies.
How We Invest Your Money
Asset Allocation
Investment Philosophy
- Maximum exposure to growth assets
- Focus on long-term capital appreciation
- Investment in high-quality equities globally
- Accept higher short-term volatility for long-term gains
- Active management to capture growth opportunities
Our Growth Fund strategy focuses on long-term capital appreciation through significant equity exposure. We invest in quality companies with strong growth prospects across global markets. While this approach may experience higher volatility in the short term, it is designed to deliver superior returns over the long run, making it ideal for members with extended investment horizons.
Compare All Options
View performance metrics across all three investment options to make informed decisions about your retirement savings.
| Option | Risk Level | Current Balance | YTD | 1 Year | 3 Years | 5 Years |
|---|---|---|---|---|---|---|
Conservative
|
Low | $14,156,017 | +0.59% | +9.33% | +7.29% | +2.69% |
Balanced
|
Medium | $261,429,481 | +1.93% | +15.98% | +11.60% | +5.46% |
Growth
|
High | $50,905,992 | +2.49% | +20.08% | +14.37% | +7.86% |
Important Information
All benefit claims are subject to the terms and conditions outlined in the CINSF Trust Deed and Rules. Incomplete applications or missing documentation may delay the processing of your claim.
Processing times vary depending on the type of claim and completeness of documentation. Standard claims typically take 15-30 business days from receipt of complete documentation.