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Choosing the right super investment options for you

Learn more about our investment options and how they can best suit your retirement goals and how much risk you're comfortable with.

Lifecycle Investment Strategy

This is our default investment option for Accumulation accounts, and we've designed it so you don't have to do anything. With our Lifecycle Investment Strategy, we automatically change your investments based on your age, helping you get the most out of your super at every stage of life.

  • Suited for your life stage

    When you’re younger and trying to grow your balance, we’ll automatically aim for growth. When you’re nearing retirement, we gradually switch you to a more stable strategy that protects your hard-earned savings.

  • Leave the hard work to us

    Until you turn 50, we invest your super in the High Growth Pool to grow over the long term. From age 50 onwards, we'll gradually transfer your super to our lower-risk options – the Balanced Pool and Cash Pool.

    • Want to know more?

    Learn more about the different Lifecycle investment pools, performance, and asset allocation.

    Lifecycle Investment Strategy

Diversified options

If you want more control over your investment strategy, we have multi-asset investment options that you can choose from. They offer diversification by investing in a few different asset classes (like shares, infrastructure, and fixed income) at once.

Will these suit me?

If you'd like a bit more control over where your super is invested, our diversified options may suit you. Choose to invest in one or more of the options we've designed and manage for you.

Managed by experts

Our diversified options are managed by a team of qualified professionals and can give you the confidence to choose your own investment strategy.

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Actively managed options:

Returns as at 31 December 2024 (updated quarterly)

Asset class options

If you want to further diversify your investment strategy, mix and match our indexed and asset class options to suit your needs and risk profile.

Who are these for?

Asset class options are designed for members who'd like to further diversify their investment strategy and take more control of where their super is invested.

More choice for you

Let us know exactly how much of your super you want to invest in each of the asset classes below. These can be used on their own or combined with our diversified options, to create your own portfolio of assets.

Shares:

Returns as at 31 December 2024 (updated quarterly)

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You can check and change investment options anytime in Member Online.

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How we invest

Learn more about how we invest your super.

Want help deciding?

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Read the investment guide

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Take our investment profile quiz

Test your inner investor and see what type of investment options may suit you best.

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Get advice over the phone

Advice about your super account with us is included with your membership.6

Advice options
  1. Past performance isn't a reliable indicator of future performance. Investment returns are the compound annualised return, and are net of investment fees and costs, transaction costs, and investment taxes. Returns shown are for Accumulation accounts. The investment options (with the exception of Balanced Risk-Adjusted and High Growth Index) commenced on 28 February 2022 and adopted the investment strategy of the pre-merger Sunsuper investment options. To show the investment performance for these investment options, we have used the returns for the respective Sunsuper investment options up to 28 February 2022, then the respective Super Savings option returns after that date. The Balanced Risk-Adjusted and High Growth Index options became available to Super Savings account holders from 1 July 2024.
  2. This risk level is based on the standard risk measure (SRM).
  3. The Balanced Risk-Adjusted option was introduced to Super Savings account holders on 1 July 2024 and adopts the performance history of the QSuper Balanced option. For periods up to 30 June 2024, investment returns for this option are net of administration fees and costs, investment fees and costs, transaction costs and where applicable, investment taxes. From 1 July 2024 investment performance is net of investment fees and costs, transaction costs and where applicable, investment taxes, but gross of administration fees and costs. You should consider this when comparing returns between options. Past performance is not a reliable indicator of future performance.
  4. The Listed Property Index option (previously called the Australian Property Index option) changed investment strategy from 1 July 2024. Bear this in mind when you look at its performance.
  5. The Unlisted Assets options (previously called the Diversified Alternatives option) changed investment strategy from 1 July 2024. Bear this in mind when you look at its performance.
  6. Employees in the Australian Retirement Trust group provide advice to members and employers as representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818 AFSL No. 227867) (SFS), that is wholly owned by the Trustee as an asset of Australian Retirement Trust. SFS is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide (PFD) for more information.