Remember, limited services apply from 22 April ahead of the APSS merger with Australian Retirement Trust on 30 April.

There are different investment objectives for each of the four investment options you can choose from if you have an APSS Member Savings and/or Pension account. There’s a separate investment objective for the investment portfolio of assets that Australia Post and Associated Employers rely on to meet their obligation to pay out APSS Defined Benefits to employee members and meet other costs as they become due. Members carry no investment risk in respect of Defined Benefit assets. The investment risk is borne by Australia Post and Associated Employers.

Member Savings and Pension account investment options Defined Benefit
Cash Conservative Balanced (MySuper) High Growth To achieve a long-term average investment return of 4.0% each year (after taxes and costs), measured over rolling five year periods.
To match/track the AusBond Bank Bill Index, net of tax. To achieve a return over and above inflation as measured by the Consumer Price Index (CPI), as follows:
CPI + 1.5% pa CPI +3% pa CPI +4% pa

Download the relevant Product Disclosure Statement to learn more about the investment objectives and the investment strategies used to achieve these objectives