By Michelle Griffiths
Director, TAG Financial Services
Financial Advisor, Superannuation & Taxation Specialist
The superannuation sector is abuzz with headlines celebrating stellar investment returns for 2024. According to SuperRatings, the median estimated return for balanced superannuation funds is expected to reach 11.5% in 2024, with the vast majority of funds returning over 10%. For instance, REST recently reported an 11.19% return on its MySuper Growth investment option.
At TAG Financial Services, our bespoke Balanced portfolios have consistently outperformed many industry funds, including this year. Notably, TAG’s Balanced portfolios, which adopt a lower risk profile than industry funds that label themselves “balanced,” achieved a return of over 13% for 2024. Importantly, this is with a portfolio consisting of just 60% exposure to growth assets such as shares and property, compared to many industry funds that may hold 70% or more in higher-risk assets.
However, the past 12 months have delivered impressive returns across a variety of asset classes, and it’s worth taking a closer look:
| Asset Class | 12-Month Return (2024) | Highlights |
| Australian Shares | Double-digit returns (first time in years) | Strong recovery and consistent performance across multiple sectors. |
| International Shares | 20–39% | Standout performer with global diversification paying off significantly. |
| Europe & Japan Funds | 10–17% | Solid returns, though slightly lagging behind broader international markets. |
| International Property | 12% | Continued strong returns from global property investments. |
| Australian Property | 19% | A remarkable year, showing strong growth in domestic property markets. |
This year, international shares were AGAIN the standout performer, with some managed funds delivering returns as high as 39%. While Europe and Japan-specific funds delivered slightly lower returns (still a respectable 10–17%), it highlights the importance of having a well-diversified portfolio to access different markets and opportunities. Australian property also had an exceptional year, with returns nearing 19%, making it a great option for investors who continue to favour domestic real estate.
It’s About Strategy, Guidance, and Focus
At TAG Financial Services, we know that numbers alone don’t tell the full story. A client meeting last week reminded me why strategic guidance and focus are so vital. During our review, the client was thrilled to see their portfolio’s performance for the year, but what truly resonated was the broader strategy we’ve developed together.
Here’s the real value of working with a full-service financial advisor instead of relying solely on industry funds or investment brokers:
- Clarity on Spending and Lifestyle: We help our clients understand exactly how much they can spend while ensuring their financial future is secure.
- Forward Planning: Together, we map out how long they need to work (if at all!) and how long their money will last. This forward-thinking approach provides confidence in creating the future they envision.
- Tailored Strategies: We provide solutions beyond investments, including tax strategies, estate planning, and tools to create long-term wealth and security.
- Peace of Mind: With TAG in their corner, clients know they have an experienced team monitoring and adjusting their financial strategies to weather market changes, legislation updates, and life events.
It’s Not Just About the Numbers – It’s About Certainty
Yes, rates of return are important, but they’re only part of the equation. The real question is:
- Do you know how long your money will last?
- Are you confident you’re making the best financial decisions for yourself and your family?
- Are you prepared for the unexpected, knowing your strategy is monitored and adjusted as needed?
If you’re unsure about any of these questions, it may be time to work with a financial advisor who takes a holistic approach to your future.
What’s Next for You?
At TAG Financial Services, we’re here to do more than just help you invest. We provide clarity, focus, and confidence to secure your financial future. Whether it’s building a diversified portfolio, managing risk, or crafting strategies for long-term success, our team is here to guide you every step of the way.
If you’d like to learn more about how we can help you create financial certainty, reach out to us today. Let’s work together to secure the future you’ve been dreaming of.
Email us at team@tagfinancial.com.au or give us a call on 03 9886 0800.
Disclaimer: The information contained is general in nature. Professional advice should be sought before acting on any aspect on this page. Financial planning services provided by TAG Financial Advisors Pty Ltd (ABN 77 154 205 017 AFSL 415632), a wholly owned subsidiary of TAG Financial Services Pty Ltd (ABN 67 075 374 686). Copyright 2025. Please do not reproduce without the expressed written consent of the author.