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Balanced - Index

If you're looking to grow wealth over the long term, our Balanced – Index option may suit you.


As at 30 September 2023 (updated quarterly)

6.9% p.a.

Returns over the last 10 years1

5+ years

Suggested timeframe


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


Balanced – Index may suit you if you want an option that invests in publicly-traded assets, with a focus on Australian and International shares. This is passively-managed in line with standard market indices.

Investment objective2

Investment objective for Accumulation and Transition to Retirement (TTR) Income accounts: CPI + 3.0% p.a.
Investment objective for Retirement Income accounts: CPI + 3.5% p.a.

Option size

Super assets: $1.1 billion
Pension assets: $432.4 million


  • 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 – Index performance overview

As at 30 September 20231 (updated quarterly)

Australian Retirement Trust’s Balanced – Index option option produced returns of -1.0% in the September quarter and 11.0% for the year to June 2023. The ten year return as at 30 September of 6.9% p.a. is well above the options objectives of CPI plus 3.0% 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).

Accumulation accounts Retirement Income accounts3
10 years (p.a.) 6.9% 7.6%
7 years (p.a.) 6.1% 6.8%
5 years (p.a.) 5.2% 5.7%
3 years (p.a.) 5.6% 6.1%
1 year 11.0% 11.8%
3 months -1.0% -1.1%

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.

Balanced – Index asset allocations

As at 30 September 2023 (updated quarterly)


Asset allocations4
Australian shares
International shares
Fixed Income
Total 100%

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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.