Balanced super funds allocate a significant proportion of their assets to growth investments, such as shares and property, with the remainder invested in defensive assets like cash and fixed interest. This allocation aims to deliver a strong balance between capital growth and stability, making them an appealing choice for investors with a medium risk tolerance and a long-term perspective.
This guide provides an in-depth analysis of top-performing Balanced super funds, focusing on performance and fees to assist you in making an informed decision.
Please Note: Any advice on this page is general in nature and does not take into account your objectives, financial situation or needs. Consider whether this is right for you. See full disclaimer.
Past performance is not a reliable indicator of future performance.
As of June 30 2025.
netwealth Super Accelerator Core Pers - BlackRock GSS Index Plus Growth Fund
As of June 30 2025.
netwealth Super Accelerator Core Pers - BlackRock GSS Index Plus Growth Fund
As of June 30 2025.
Source: All performance data on this page is sourced from SuperRatings (SuperRatings Pty Ltd). The rankings are not provided by SuperRatings but rather are a ranking of all the investment options listed on this website with a growth allocation between 61-76% (SuperRating’s Balanced risk profile) excluding single sector options e.g. Australian Shares only funds. Whilst this covers the majority of super fund investment options, not every fund and every investment option is listed on this website and therefore there may be options that could be in this list that aren’t.
Super fund investment options are classed into risk profiles or categories depending on how much growth assets they have from high growth, to secure. We use Lonsec’s (Super rating’s) definition of a Balanced investment option which is 61% – 76% growth assets. Balanced super funds strike a middle ground between growth and defensive investments. This blend is designed to achieve consistent returns while managing risk, making it a versatile option for a wide range of investors.
Balanced super funds tend to perform well in stable or growth-oriented market conditions, offering higher returns than conservative or capital stable funds over time. However, during significant market downturns, the higher exposure to growth assets may lead to moderate fluctuations in value.
Balanced super funds aim to balance the risk-return trade-off by maintaining a diversified portfolio. These funds offer higher return potential than conservative options while maintaining a degree of protection through defensive investments. This can provide long-term gains while taking moderate risk.
Balanced super funds are best suited for:
Medium Risk Tolerance Investors: Those seeking a combination of growth and stability, willing to accept moderate market fluctuations for the chance of higher returns.
Long-Term Planners: Investors with a medium- to long-term horizon (7 plus years) who want to build their retirement savings steadily over time.
Pre-Retirees: Individuals who are not yet retiring but want to grow their savings without taking on the higher volatility associated with high growth funds.
However, for younger investors or those with a high risk tolerance and longer timeframes, balanced or high growth funds may offer a better opportunity to maximize returns. Conversely, those who prioritize capital preservation above all else may find secure or capital stable funds more appropriate.
