Balanced
Designed for members who:
- Want to generate wealth over the long-term.
Minimum suggested timeframe
- 5 years.
- Designed for long-term wealth accumulation so you need patience.
Features
- Invests in a wide variety of asset classes to gain the benefits of diversification.
- Combination of active, enhanced index and index investment management.
- Invests in over 40 investment managers for diversification.
- Large allocation to Australian and international shares for exposure to economic growth.
Objectives
Beat inflation over 10 years (after Investment fees and costs, transaction costs and where applicable investment taxes):
- Accumulation account and Transition to Retirement Income account by 3.5% p.a. and Retirement Income account by 4.0% p.a.
Risks
Medium to High levels of volatility in the returns from year to year.
- Expected number of years of negative returns over any 20 year period: 4 to less than 6.
- Risk Label: High
- Risk Band: 6
Fees and costs
Asset Allocation
Strategic (%)
Allowable Range (%)
Australian shares
24
0-50
International shares
30
0-70
Alternative Strategies
0
0-25
+ Important information
When reading the objectives and/or risks you should also read the important information about Risks of Australian Retirement Trust's investment options and Important information about expected returns in the Super Savings Investment Guide. The objectives are set by Australian Retirement Trust for monitoring our ongoing investment performance. The objectives may differ from the prescribed Return target disclosed in our MySuper dashboard which is calculated using a different methodology. Refer to Asset classes and How does Australian Retirement Trust use derivatives? in the Super Savings Investment Guide for more information on asset classes and how we used derivatives to rebalance them. You can monitor the latest investment performance here. Returns are after Investment fees and costs, and transaction costs and investment taxes but before Administration fees and costs. Past performance is not a reliable indication of future performance. The Super Savings Balanced, Retirement and Super Savings Cash Pools commenced on 28 February and adopted respectively the investment strategy of the Sunsuper Balanced, Retirement and Cash Pools that commenced on 4 October 2013. The Sunsuper Balanced, Retirement and Cash Pools adopted respectively the investment strategy of the Sunsuper Balanced, Retirement and Cash option. The three Pools have identical investments to the respective investment options being, the Balanced, Retirement and Cash investment options. To show our performance for each Pool we have shown the returns of the respective options (adjusted to reflect fee differences where applicable) up to 4 October 2013 with returns of each Pool from 4 October 2013. Actual Investment fees and costs may be less than or greater than that indicated. For information about investment fees and costs and transaction costs, for Accumulation accounts refer to the Super Savings Accumulation Guide and for Income accounts refer to the Super Savings Product Disclosure Statement for Income Account and Lifetime Pension. The Buy-sell spreads for each investment option may vary from time to time to reflect the Buy-sell spread charged by the relevant managers, refer to the Super Savings Investment Guide for more information.
Investment performance
Ready for a change?
You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84.
Learn more about investment options
Download the Super Savings Investment Guide
Growth
Designed for members who:
- Want to generate wealth over the long-term.
- Want less risk than an option invested solely in shares.
Minimum suggested timeframe
- 7 years.
- Designed for long-term wealth accumulation, so you need patience.
Features
- Invests in a wide variety of asset classes to gain the benefits of diversification.
- Combination of active, enhanced index and index investment management.
- Invests in over 40 investment managers for diversification.
- Primarily invests in Australian and international shares and a range of unlisted growth assets for exposure to economic growth.
Objectives
Beat inflation over 10 years (after Investment fees and costs, transaction costs and where applicable investment taxes):
- Accumulation account and Transition to Retirement Income account by 4.0% p.a. and Retirement Income account by 4.5% p.a.
Risks
High levels of volatility in the returns from year to year.
Standard Risk Measure
-
Expected number of years of negative returns over any 20 year period: 4 to less than 6.
- Risk Label: High
- Risk Band: 6
Fees and costs
Asset Allocation
Strategic (%)
Allowable Range (%)
Australian shares
31.75
0-50
International shares
34.5
0-70
Alternative Strategies
0
0-20
+ Important information
When reading the objectives and/or risks you should also read the important information about Risks of Australian Retirement Trust's investment options and Important information about expected returns in the Super Savings Investment Guide. The objectives are set by Australian Retirement Trust for monitoring our ongoing investment performance. The objectives may differ from the prescribed Return target disclosed in our MySuper dashboard which is calculated using a different methodology. Refer to Asset classes and How does Australian Retirement Trust use derivatives? in the Super Savings Investment Guide for more information on asset classes and how we used derivatives to rebalance them. You can monitor the latest investment performance here. Returns are after Investment fees and costs, and transaction costs and investment taxes but before Administration fees and costs. Past performance is not a reliable indication of future performance. The Super Savings Balanced, Retirement and Super Savings Cash Pools commenced on 28 February and adopted respectively the investment strategy of the Sunsuper Balanced, Retirement and Cash Pools that commenced on 4 October 2013. The Sunsuper Balanced, Retirement and Cash Pools adopted respectively the investment strategy of the Sunsuper Balanced, Retirement and Cash option. The three Pools have identical investments to the respective investment options being, the Balanced, Retirement and Cash investment options. To show our performance for each Pool we have shown the returns of the respective options (adjusted to reflect fee differences where applicable) up to 4 October 2013 with returns of each Pool from 4 October 2013. Actual Investment fees and costs may be less than or greater than that indicated. For information about investment fees and costs and transaction costs, for Accumulation accounts refer to the Super Savings Accumulation Guide and for Income accounts refer to the Super Savings Product Disclosure Statement for Income Account and Lifetime Pension. The Buy-sell spreads for each investment option may vary from time to time to reflect the Buy-sell spread charged by the relevant managers, refer to the Super Savings Investment Guide for more information.
Investment performance
Ready for a change?
You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84.
Learn more about investment options
Download the Super Savings Investment Guide
Conservative
Designed for members who:
- Seek less volatile returns for their super while maintaining some growth exposure.
- Are likely to use their money in the short-term.
Minimum suggested timeframe
- 3 years.
- Designed for short-term wealth maintenance rather than long-term wealth accumulation.
Features
- Invests in a wide variety of asset classes to gain the benefits of diversification.
- Combination of active, enhanced index and index investment management.
- Invests in over 40 investment managers for diversification.
- Mainly invests in fixed interest and cash to reduce the volatility of returns.
Objectives
Beat inflation (CPI) over 10 years (after Investment fees and costs, transaction costs and where applicable investment taxes):
- Super Savings Accumulation account and Super Savings Transition to Retirement Income account by 1.5% p.a and Super Savings Retirement account by 2.0% p.a.
Risks
Low levels of volatility in the returns from year to year.
- Expected number of years of negative returns over any 20 year period: 1 to less than 2.
- Risk Label: Low to Medium
- Risk Band: 3
Fees and costs
Asset Allocation
Strategic (%)
Allowable Range (%)
Australian shares
7.5
0-30
International shares
11.5
0-30
Alternative Strategies
0
0-15
+ Important information
When reading the objectives and/or risks you should also read the important information about Risks of Australian Retirement Trust's investment options and Important information about expected returns in the Super Savings Investment Guide. The objectives are set by Australian Retirement Trust for monitoring our ongoing investment performance. The objectives may differ from the prescribed Return target disclosed in our MySuper dashboard which is calculated using a different methodology. Refer to Asset classes and How does Australian Retirement Trust use derivatives? in the Super Savings Investment Guide for more information on asset classes and how we used derivatives to rebalance them. You can monitor the latest investment performance here. Returns are after Investment fees and costs, and transaction costs and investment taxes but before Administration fees and costs. Past performance is not a reliable indication of future performance. The Super Savings Balanced, Retirement and Super Savings Cash Pools commenced on 28 February and adopted respectively the investment strategy of the Sunsuper Balanced, Retirement and Cash Pools that commenced on 4 October 2013. The Sunsuper Balanced, Retirement and Cash Pools adopted respectively the investment strategy of the Sunsuper Balanced, Retirement and Cash option. The three Pools have identical investments to the respective investment options being, the Balanced, Retirement and Cash investment options. To show our performance for each Pool we have shown the returns of the respective options (adjusted to reflect fee differences where applicable) up to 4 October 2013 with returns of each Pool from 4 October 2013. Actual Investment fees and costs may be less than or greater than that indicated. For information about investment fees and costs and transaction costs, for Accumulation accounts refer to the Super Savings Accumulation Guide and for Income accounts refer to the Super Savings Product Disclosure Statement for Income Account and Lifetime Pension. The Buy-sell spreads for each investment option may vary from time to time to reflect the Buy-sell spread charged by the relevant managers, refer to the Super Savings Investment Guide for more information.
Investment performance
Ready for a change?
You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84.
Learn more about investment options
Download the Super Savings Investment Guide
Retirement
Designed for members who:
- Are close to, or have reached retirement.
- Want to generate wealth over the medium to long-term, while reducing the fluctuations of returns in the short-term.
Minimum suggested timeframe
- 5 years.
- Designed for some medium-term wealth accumulation.
Features
- Invests in a wide variety of asset classes to gain the benefits of diversification.
- Combination of active, enhanced index and index investment management.
- Invests in over 40 investment managers for diversification.
- Employs option strategies from time to time to reduce the impact of share market falls.
Objectives
Beat inflation over 10 years (after Investment fees and costs, transaction costs and where applicable investment taxes):
- Accumulation account and Transition to Retirement Income account by 2.5% p.a. and Retirement Income account by 3.0% p.a.
Risks
Medium levels of volatility in the returns from year to year.
- Expected number of years of negative returns over any 20 year period: 3 to less than 4.
- Risk Label: Medium to High
- Risk Band: 5
Fees and costs
Asset Allocation
Strategic (%)
Allowable Range (%)
Australian shares
17
0-50
International shares
18.25
0-55
Alternative Strategies
0
0-15
+ Important information
When reading the objectives and/or risks you should also read the important information about Risks of Australian Retirement Trust's investment options and Important information about expected returns in the Super Savings Investment Guide. The objectives are set by Australian Retirement Trust for monitoring our ongoing investment performance. The objectives may differ from the prescribed Return target disclosed in our MySuper dashboard which is calculated using a different methodology. Refer to Asset classes and How does Australian Retirement Trust use derivatives? in the Super Savings Investment Guide for more information on asset classes and how we used derivatives to rebalance them. You can monitor the latest investment performance here. Returns are after Investment fees and costs, and transaction costs and investment taxes but before Administration fees and costs. Past performance is not a reliable indication of future performance. The Super Savings Balanced, Retirement and Super Savings Cash Pools commenced on 28 February and adopted respectively the investment strategy of the Sunsuper Balanced, Retirement and Cash Pools that commenced on 4 October 2013. The Sunsuper Balanced, Retirement and Cash Pools adopted respectively the investment strategy of the Sunsuper Balanced, Retirement and Cash option. The three Pools have identical investments to the respective investment options being, the Balanced, Retirement and Cash investment options. To show our performance for each Pool we have shown the returns of the respective options (adjusted to reflect fee differences where applicable) up to 4 October 2013 with returns of each Pool from 4 October 2013. Actual Investment fees and costs may be less than or greater than that indicated. For information about investment fees and costs and transaction costs, for Accumulation accounts refer to the Super Savings Accumulation Guide and for Income accounts refer to the Super Savings Product Disclosure Statement for Income Account and Lifetime Pension. The Buy-sell spreads for each investment option may vary from time to time to reflect the Buy-sell spread charged by the relevant managers, refer to the Super Savings Investment Guide for more information.
Investment performance
Ready for a change?
You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84.
Learn more about investment options
Download the Super Savings Investment Guide
Diversified options:
Actively managed:
Index (passively managed):
Single asset class options:
Actively managed:
- Shares
- Australian Shares
- Property
- Diversified Bonds
- Cash
Index (passively managed):
- Australian Shares – Index
- International Shares – Index (hedged)
- International Shares – Index (unhedged)
- Emerging Markets Shares
- Australian Property – Index
- Diversified Bonds – Index
Investment performance
Ready for a change?
You can change your investment strategy any time through Member Online. If you need help call us on 13 11 84.
Learn more about investment options
Download the Super Savings Investment Guide