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Balanced

If you're looking to build wealth over the long term, our award-winning Balanced option may suit you.

Summary

As at 30 September 2023 (updated quarterly)

8.0% p.a.

Returns over the last 10 years1

5+ years

Suggested timeframe

0.72%

Fees (p.a.) + admin fees and costs

Overview

If you're looking to build wealth over the long term, you may be interested in our award-winning Balanced option.

Investment objective2

Investment objective for Accumulation and Transition to Retirement (TTR) Income accounts: CPI + 3.5% p.a.
Investment objective for Retirement Income accounts: CPI + 4.0% p.a.

Option size

Super assets: $11.6 billion
Pension assets: $2.8 billion

Risk2

 
  • Very low
  • Low
  • Low to medium
  • Medium
  • Medium to high
  • High
  • Very high

Expected number of years of negative returns over any 20-year period: 4 to less than 6. The risk is based on the standard risk measure (SRM).

Balanced performance overview

As at 30 September 20231 (updated quarterly)


Australian Retirement Trust’s Balanced option produced a return of 0.3% for the September quarter and 10.0% over the year to September 2023. The 10-year return of 8.0% p.a. remains well above the option’s return objective of CPI+3.5% p.a.

Over the quarter, inflation and interest rate concerns have remained a key focus for financial markets. In addition, ongoing concerns over China’s growth prospects and worries over the inability of the US Congress to approve spending measures and prevent a US government shutdown also weighed on sentiment. World share markets generated negative returns over the quarter. Australian and global fixed income returns were also negative, as yields rose in most major world bond markets (bond prices fall as yields increase).

In a challenging period for share and bond markets, ART’s unlisted asset classes – real estate, infrastructure, private equity and debt – produced positive returns.

In the SuperRatings survey for September 2023, the performance of Australian Retirement Trust’s Balanced option was ahead of the median fund for the quarter, and over 1, 3, 5, 7, and 10 years to the end of September 2023.

Accumulation accounts Retirement Income accounts3
10 years (p.a.) 8.0% 8.7%
7 years (p.a.) 7.9% 8.6%
5 years (p.a.) 6.6% 7.2%
3 years (p.a.) 9.0% 9.8%
1 year 10.0% 11.1%
3 months 0.3% 0.3%

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 admin fees and costs.

Balanced asset allocations

As at 30 September 2023 (updated quarterly)


 

Asset allocations4
Australian shares
26.2%
International shares
26.4%
Private Equity
6.5%
Property
8.5%
Infrastructure
10.5%
Fixed Income
14.0%
Alternative Strategies
5.5%
Cash
2.4%
Total 100%

Outlook and strategy

As at 30 September 2023 (updated quarterly)


We do not 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.

ART continues to hold a substantial allocation to the key unlisted asset classes – real estate, infrastructure, private equity and private debt. 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 – particularly during challenging market environments.

ART’s Dynamic Asset Allocation (DAA) strategy slightly favours shares over bonds, although we have increased our exposure to UK and US bonds as yields are now more attractive. Within the DAA strategy, we have a slight preference for UK and Japanese shares over shares in the US and Australia.

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  1. 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 admin fees and costs. Returns shown are for Accumulation accounts. Returns up to 28 February 2022 are for Sunsuper, and after that are for Australian Retirement Trust using the same products.
  2. When reading the objectives and/or risks please also read the information in the Super Savings Investment Guide under 'Risks of our investment options' and 'Important information about expected returns'.
  3. Tax generally doesn't apply to investment earnings in Retirement Income accounts.
  4. For additional information on these asset classes, strategic asset allocations, and allowable ranges, read the Super Savings Investment Guide. Note that the effective asset allocation takes into account both the physical exposures to assets along with the effective market exposure from derivative instruments such as futures. These instruments are used by Australian Retirement Trust to bring effective market exposures closer to those represented by each option’s strategic asset allocation.