Returns over the last 10 years1
Suggested timeframe
Fees 2 + admin fees and costs
Suitable if you're an investor who:
Expected number of years of negative annual returns in any 20 years: 1 to less than 2. The risk is based on the standard risk measure (SRM).
| Accumulation and TTR Income accounts: | CPI + 1.5% p.a. |
| Retirement Income accounts: | CPI + 2.0% p.a. |
| Super assets: | $3.2 billion |
| Pension assets: | $1.8 billion |
As at 30 June 20241
Our Conservative option produced a 0.4% return for the June quarter and a 5.7% return over the year to June 2024. Longer term returns are above the option’s CPI plus 1.5% return objective, with the Conservative option posting returns of 4.7% p.a. over the ten years to the end of June 2024.
Global and Australian bonds reported small losses over the quarter as yields rose (and bond prices fell) in most of the world’s major bond markets.
Global share markets in aggregate produced positive returns over the June quarter and very strong returns over the year to June 2024. All the major share markets produced strong gains for the year.
While our infrastructure portfolio outperformed public markets over the June quarter and the year to June, our real estate and private equity portfolios underperformed. Longer-term returns for all our private asset portfolios are ahead of public markets
In the SuperRatings survey for June 2024, the performance of Australian Retirement Trust’s Conservative option was in line with the median fund over one year, while remaining ahead of the median fund over 3, 5, 7, and 10 years to the end of June 2024.
| Accumulation accounts | Retirement Income accounts4 | |
|---|---|---|
| 10 years (p.a.) | 4.74% | 5.35% |
| 7 years (p.a.) | 4.39% | 4.96% |
| 5 years (p.a.) | 3.72% | 4.16% |
| 3 years (p.a.) | 3.23% | 3.63% |
| 1 year | 5.71% | 6.53% |
| 3 months | 0.37% | 0.41% |
Past performance isn't a reliable indicator of future performance. Returns shown are after investment fees and costs, transaction costs and investment taxes (where relevant) but before all other fees and costs.
Returns shown here for our Accumulation account are also the returns that apply for Transition to Retirement Income accounts. Tax generally doesn't apply to investment earnings in Retirement Income accounts.
| Strategic asset allocation5 | |
|---|---|
|
Australian shares
|
9.0% |
|
International shares
|
8.5% |
|
Unlisted assets and alternatives
|
23.5% |
|
Fixed income
|
40.0% |
|
Cash
|
19.0% |
| Total | 100% |
As at 30 June 2024
We don't design portfolios based on our own or anyone else’s short-term economic, market or geopolitical forecasts. However, our investment team and our external investment managers do seek to capitalise on opportunities that inevitably emerge during times of heightened market volatility.
We continue to hold a substantial allocation to the key unlisted asset classes – real estate, infrastructure, private equity and private debt. As a large superannuation fund, we have well-diversified portfolios of these assets that we expect will deliver strong, long-term returns, while reducing our members’ exposure to share market volatility.
At the end of June 2024, our Dynamic Asset Allocation (DAA) strategy slightly favoured shares and bonds over cash. Within DAA’s shares allocation, we preferred Japanese, UK, and European shares over shares in the US and Australia. In fixed income, we favour Australian, UK and US sovereign bonds.
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