See what a super option really holds, how risky that is, and how any shares / bonds / cash mix has behaved across 38 years of history — then what the next few years could look like.
Shares are the S&P 500 total return, bonds are the Vanguard Total Bond Market fund, cash is the 3-month T-bill (US data, monthly, 1988 to today). Cash is whatever is left over.
Optional — see it in dollars. Used for this one calculation only; nothing is stored or sent anywhere else.
Each point is the annualised return of the window ending that month. Below the dashed line, the window lost money.
Total change of this mix over each period.
The four Vanguard diversified ETFs are the only Australian multi-asset funds with a usable daily history. Only about nine years exist, roughly two independent 5-year windows, so treat them as a cross-check, not a verdict.
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Choose an .xlsx workbook with one holdings table per sheet (columns: Holding, Asset type, Listing type, Currency, Market value). It is read in memory for this analysis and never stored. You can rename each option below, so nothing needs to carry a real name.
By economic asset type from the holdings table, not the fund's own labels (which can be inconsistent between options).
Start from an option you loaded in Super X-Ray, or type the allocation shown on a fund page. Percentages of the whole option; they are scaled to 100% if they do not add up.
Candidates come from the same ETF scan Ballast uses (plus a bond and cash scan). Only broad-market funds qualify for a sleeve: no active, factor, ESG-tilted, thematic, single-region or multi-asset funds, so a mirror is a market exposure and not a bet. Funds with under about five years of history rank last because they shorten the comparison.
ETF fees are not available from the data source for Australian funds, so type them in from each fund's product disclosure if you want the cost comparison. Nothing is assumed.
Optional — the option's own record. One line per point: a date and the value of a starting amount (for example 2025-06-30, 18650). A lone year such as 2025 18650 means 30 June of that year. Used for this comparison only.
Same dates, before fees and tax on both lines.
"Option model" is the X-Ray's fund-of-listed-proxies model. Because both are built from listed market funds, they will look similar by construction; the differences show what the ETF choice changes.
Ranking "the best funds" often returns several that are really the same bet. This counts how many independent bets a list of funds is, from their daily price moves. Type any ASX or US tickers, separated by commas.
Is each fund's yield a normal year? A headline yield can be one unusually large payment (one popular fund showed 17% against about 2.6% in a normal year). The trailing twelve months of distributions against the fund's own earlier years:
Deloitte Access Economics' Business Outlook forecasts, scored against what actually happened on Deloitte's own definitions, and set beside the IMF, the OECD and the RBA's economist survey. Quant produces no macro forecasts of its own (it displays the IMF, OECD and RBA ones), so this is a scorecard for published forecasts, not for Quant.
Error as a multiple of the tolerance for that measure. Inside the inner dashed lines is a hit, inside the outer lines a near miss. Negative means the forecast was too low.
GDP growth forecasts edition by edition. The dashed line is the outcome for 2025-26; the other line is still waiting for its outcome.
These forecasts target periods that have not finished. The page scores them automatically once the official data arrives.
How old each view is:
Deloitte's June 2025 table includes 2023-24 outcomes. The scorer's definitions reproduce them:
Method: mixes are replayed over 464 months of US market history and resampled in 12-month blocks (20,000 paths) to look forward; options are mapped to listed Australian market proxies (VAS, VGS, VAP, IFRA, IAF, BILL) in the proportions of their holdings, with unlisted holdings mapped to their listed equivalents. Every figure the engine produces is regression-tested against a published research report. Mix Lab and X-Ray use general market data only and store nothing about you.