Capital Stable super funds, which allocate a small amount of their assets to growth investments like shares and property and the majority to defensive assets like cash and fixed interest aim to deliver steady returns without taking too much risk. This guide provides an in-depth analysis of top-performing Capital Stable 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 Conservative Fund
netwealth Super Accelerator Core Pers - Russell Investments GSS Active 30/70 Fund
As of June 30 2025.
netwealth Super Accelerator Core Pers - BlackRock GSS Index Plus Conservative 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 20-40% (SuperRating’s Capital Stable risk profile) excluding single sector options e.g. Fixed Interest 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 Capital Stable investment option which is 20% – 40% growth assets. Capital stable super funds are designed for investors seeking a balance between stability and moderate growth. They aim to provide steady returns with a low allocation to growth assets and the majority of their assets allocated to defensive options such as cash, fixed income, and bonds.
Investors in capital stable super funds can expect lower volatility than more aggressive options, making these funds suitable for those seeking stability with some room for capital growth. The defensive allocation provides protection during market downturns, ensuring a steady performance in times of economic uncertainty.
However, the lower allocation to growth assets means that the potential for substantial capital growth is limited compared to more aggressive options like balanced or growth funds.
Capital stable super funds strike a balance between risk and return. The lower exposure to growth assets reduces risk, offering more predictability than growth-oriented funds. However, this reduced risk comes at the expense of higher potential returns. These funds are ideal for those who prefer a conservative approach but still want some exposure to growth opportunities.
Capital Stable super funds are best suited for:
Conservative Investors with a Moderate Growth Goal: Investors who want a conservative approach with some exposure to growth assets for modest capital appreciation.
Retirees and Near-Retirees: Individuals nearing or in retirement who want to preserve their capital while achieving returns that may outpace inflation.
Medium-Term Goals: Investors planning to use their superannuation savings in the next 5-10 years may benefit from the balance of stability and growth offered by these funds.
For younger investors or those with a long investment horizon, capital stable funds may not provide the aggressive growth needed to maximize retirement savings. In such cases, balanced or growth funds may be more appropriate.
