income stream investment options
choose one of our Ready-Made Options
Whether you're a new or an experienced investor, we've made it easy to select an investment strategy to help fund the retirement lifestyle you deserve.
If you don't make an investment choice when you join, you'll automatically be invested in the HESTA Income Stream Ready-Made Strategy. It's made up of a mix of the Balanced and Conservative investment options.
For more information please see
HESTA Income Stream Ready-Made Strategy.
Investment return objective long term (10 years) (p.a.)
To earn a return (after-tax return for TTR), after investment fees and indirect costs, equivalent to or higher than:
RIS: CPI + 3.5%
TTR: CPI + 3.0%
Type of investor this option may suit
Ambitious
Description
Invests in a wide range of mainly shares, debt and infrastructure, with some property, private equity, alternatives, and cash investments. With a higher exposure to growth assets, this option may experience high volatility.
Probable number of negative annual returns over 20 years
4 to less than 6
Suggested minimum investment timeframe
5 to 7 years
Investment return objective long term (10 years) (p.a.)
To earn a return (after-tax return for TTR), after investment fees and indirect costs, equivalent to or higher than:
RIS: CPI + 2.0%
TTR: CPI + 1.5%
Type of investor this option may suit
Cautious
Description
Invests in a range of mainly debt and cash, with some exposure to shares, alternatives, property and infrastructure. With less exposure to growth assets and more exposure to defensive assets, this option may experience low volatility.
Probable number of negative annual returns over 20 years
2 to less than 3
Suggested minimum investment timeframe
1 to 3 years
Investment return objective long term (10 years) (p.a.)
To earn a return (after-tax return for TTR), after investment fees and indirect costs, equivalent to or higher than:
RIS: CPI + 2.5%
TTR: CPI + 2.0%
Type of investor this option may suit
Ambitious
Description
Invests in a mix of low-cost asset class strategies that aims to closely match index returns. With a high exposure to growth assets, this option may experience high volatility.
Probable number of negative annual returns over 20 years
4 to less than 6
Suggested minimum investment timeframe
5 to 7 years
Investment return objective long term (10 years) (p.a.)
To earn a return (after-tax return for TTR), after investment fees and indirect costs, equivalent to or higher than:
RIS: CPI + 3.5%
TTR: CPI + 3.0%
Type of investor this option may suit
Ambitious
Description
This option seeks to avoid exposure to particular activities and tilt investment towards companies and assets whose activities are thematically aligned with one or more of the United Nations Sustainable Development Goals (SDGs). Invests in shares, debt and property, with some private equity, alternatives, infrastructure and cash investments. With a higher exposure to growth assets, this option may experience high volatility.
Probable number of negative annual returns over 20 years
4 to less than 6
Suggested minimum investment timeframe
5 to 7 years
Investment return objective long term (10 years) (p.a.)
To earn a return (after-tax return for TTR), after investment fees and indirect costs, equivalent to or higher than long term:
RIS: CPI + 4.5%
TTR: CPI + 4.0%
Type of investor this option may suit
Very ambitious
Description
Invests in a wide range of primarily Australian and international shares, infrastructure and private equity, along with some exposure to alternatives, property, debt and cash. With the highest allocation to growth assets across our Ready-Made options, this option may experience very high volatility.
Probable number of negative annual returns over 20 years
4 to less than 6
Suggested minimum investment timeframe
7 to 10 years
design your own portfolio with Your Choice options
Your Choice Options let you tailor your own portfolio, or invest in a specific asset class.
While Your Choice Options don't offer the same level of asset class diversification as the Ready-Made Options, they've been designed to provide targeted exposure to specific asset classes.
Investment return objective long term (10 years) (p.a.)
Over the long term, to earn a return (after-tax for TTR), after investment fees and indirect costs, equivalent to or higher than the return (net of tax for TTR) of the Bloomberg Ausbond Bank Bill Index.
Type of investor this option may suit
Very Cautious. Or an investor seeking to create their own portfolio, who would like to include cash, cash products and term deposits, or seeking exposure to this asset class.
Description
Invests in a range of at-call bank deposits and short-dated term deposits, and may have a small allocation to other cash investments. It is expected to deliver a return above the official RBA cash rate over the long term.
Probable number of negative annual returns over 20 years
Less than 0.5
Suggested minimum investment timeframe
Less than 1 year
Previously named Cash, changed to include Term Deposits on 1 October 2020.
Investment return objective long term (10 years) (p.a.)
Over the long term, to earn a return (after-tax for TTR), after investment fees and indirect costs, equivalent to or higher than the return (net of tax for TTR) of the combination of:
- 50% Bloomberg AusBond Composite 0+ Year Index, and
- 50% Bloomberg Barclays Global Aggregate ex Australia Index Hedged to $A.
Type of investor this option may suit
An investor seeking to create their own portfolio, who would like to include debt and other fixed interest investments or seeking exposure to this asset class.
Description
Invests in Australian and international government bonds and other debt. This option is expected to earn a higher return than cash and may experience low volatility.
Probable number of negative annual returns over 20 years
2 to less than 3
Suggested minimum investment timeframe
1 to 3 years
Previously named Global Bonds.
Investment return objective long term (10 years) (p.a.)
Over the long term, to earn a return (after tax for TTR), after investment fees and indirect costs, equivalent to or higher than:
RIS: CPI + 3.5%
TTR: CPI + 3.0%
Type of investor this option may suit
An investor seeking to create their own portfolio, who would like to include property and infrastructure or seeking exposure to this asset class.
Description
Invests in Australian and global property and infrastructure, along with some cash. This option is expected to earn a higher return than cash and global debt and may experience moderate volatility.
Probable number of negative annual returns over 20 years
3 to less than 4
Suggested minimum investment timeframe
3 to 5 years
Previously named Property, changed to include Infrastructure on 1 October 2020.
Investment return objective long term (10 years) (p.a.)
Over the long term, to earn a return (after-tax for TTR), after investment fees and indirect costs, equivalent to or higher than the return (net of tax for TTR) of MSCI All Country World Ex-Australia Index (unhedged in AUD).
Type of investor this option may suit
An investor seeking to create their own portfolio, who would like to include international shares or seeking exposure to this asset class.
Description
Invests in a range of companies listed on stock exchanges around the world. With a full allocation to shares, this option may experience very high volatility.
Probable number of negative annual returns over 20 years
4 to less than 6
Suggested minimum investment timeframe
7 to 10 years
Investment return objective long term (10 years) (p.a.)
Over the long term, to earn a return (after-tax for TTR and adjusted for tax credits for RIS), after investment fees and indirect costs, equivalent to or higher than the return of the S&P/ASX 300 Accumulation Index (net of tax for TTR and adjusted for tax credits for RIS).
Type of investor this option may suit
An investor seeking to create their own portfolio, who would like to include Australian shares or seeking exposure to this asset class.
Description
Invests in a range of companies listed on the Australian Stock Exchange, as well as a few that aren't. With a full allocation to shares, this option may experience very high volatility.
Probable number of negative annual returns over 20 years
6 or greater
Suggested minimum investment timeframe
7 to 10 years
Information as at 19 April 2025. For more information read the Income Stream Product Disclosure Statement (PDF).
changing your investment choice
You can change your investment options any time, at no extra cost.
To change your investment choices, log in to your online account.
Before making any changes, it’s worth speaking to a member of our advice team, to make sure your investment strategy is right for you. Make a time to speak to a member of the team.
To find out more about our investment options, read Investment Choices (PDF).
latest returns
We engage a range of professional fund managers to invest members’ money according to specific objectives and strategies.
For more information, read the Income Stream PDS
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