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Super Savings Income account investment options

Choosing the right investment strategy for your Income account can make a significant difference to your retirement income. You can choose the Today and Tomorrow Strategy or can select from a range of investment options on offer.

Retirement investment option

This is our default investment option for members that have an Income Account and want to keep their super working for them in retirement.

The Today and Tomorrow strategy

Our Today and Tomorrow strategy invests in the cash investment option equal to twice the annual income payment amount you nominate, and the remainder of your Income account in our Retirement investment option.

The Today and Tomorrow strategy is available when starting a new Income Account, or when adding money to an existing Income Account. It’s designed for members in retirement who want peace of mind. Member’s income payments are initially paid from the Cash investment option until there are no longer enough funds to make regular payments, then they are paid proportionally across your account.

Take control

Ready-made options

Choose one of our ready-made diversified investment options that contain a varying mix of asset classes and come with varying levels of risk.

 Check the ready-made options under the tabs below.

Build-your-own

Build your own investment strategy by choosing a single option or up to 10 options from our full range.


 See our full range of options under the "All" tab below.

 

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:
    • Super Savings Accumulation account by 2.75% p.a. and,
    • Super Savings Transition to retirement income account by 2.75% and,
    • Super Savings Retirement income account by 3.25% p.a. after Investment fees and costs, transaction costs and where applicable investment taxes).

Fees and costs

Risks

  • Medium 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: 3 to less than 4.
  • Risk Label: Medium to High
  • Risk Band: 5

Asset Allocation

Strategic (%)
Allowable Range (%)
Australian shares
17.5
0-50
International shares
19
0-55
Private Equity
5.5
0-15
Property
8
0-30
Infrastructure
8
0-20
Fixed Income
33
0-50
Alternative Strategies
0
0-15
Cash
9
0-25

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. Refer to the Super Savings guide for information about investment fees and costs and transaction costs. 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.

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

 

Investment reports

Our investment reports provide a regular update on the economy and the market, along with the management and performance of our investment options.

 Learn more

Get the market wrap

Australian Retirement Trust Chief Economist Brian Parker explains what’s happening around the world and what it could mean for your super investment.

 Learn more 

Master the basic terms

Learn the definitions of some of the basic terms you should know to mastermind your investment.

 Learn more

Test your inner investor

Find out what sort of investor you are and which of Australian Retirement Trust’s investment options may suit you.

 Take our quiz

 

 

Balanced

Designed for members who:

  • Want to generate wealth over the long-term while being sensitive to the relative performance of other large Australian superannuation funds.

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:
    • Super Savings Accumulation account and Super Savings Transition to retirement income account by 3.5% p.a. and,
    • Super Savings Retirement income account by 4.0% p.a. (after Investment fees and costs, transaction costs and where applicable investment taxes).

Fees and costs

Risks

Medium to 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

 Asset Allocation

Strategic (%)
Allowable Range (%)
Australian shares
24.5
0-50
International shares
30.5
0-70
Private Equity
6.5
0-15
Property
8.5
0-30
Infrastructure
8.5
0-20
Fixed Income
17.5
0-30
Alternative Strategies
0
0-25
Cash
4
0-25

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. Refer to the Super Savings guide for information about investment fees and costs and transaction costs. 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.

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

 

Investment reports

Our investment reports provide a regular update on the economy and the market, along with the management and performance of our investment options.

 Learn more

Get the market wrap

Australian Retirement Trust Chief Economist Brian Parker explains what’s happening around the world and what it could mean for your super investment.

 Learn more 

Master the basic terms

Learn the definitions of some of the basic terms you should know to mastermind your investment.

 Learn more

Test your inner investor

Find out what sort of investor you are and which of Australian Retirement Trust’s investment options may suit you.

 Take our quiz

 

 

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:
    • Super Savings Accumulation account and Super Savings Transition to retirement income account by 4.0% p.a. and,
    • Super Savings Retirement account by 4.5% p.a. (after Investment fees and costs, transaction costs and where applicable investment taxes).

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
32.5
0-50
International shares
35
0-70
Private Equity
10
0-20
Property
7.5
0-30
Infrastructure
8
0-20
Fixed Income
7
0-20
Alternative Strategies
0
0-20
Cash
0
0-20

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. Refer to the Super Savings guide for information about investment fees and costs and transaction costs. 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.

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

 

Investment reports

Our investment reports provide a regular update on the economy and the market, along with the management and performance of our investment options.

 Learn more

Get the market wrap

Australian Retirement Trust Chief Economist Brian Parker explains what’s happening around the world and what it could mean for your super investment.

 Learn more 

Master the basic terms

Learn the definitions of some of the basic terms you should know to mastermind your investment.

 Learn more

Test your inner investor

Find out what sort of investor you are and which of Australian Retirement Trust’s investment options may suit you.

 Take our quiz

 

 

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

  • Returns (after Investment fees and costs and where applicable investment taxes) of 1% p.a. above the Bloomberg AusBond Bank Bill Index after investment tax (where applicable) over a 3 year period.

Fees and costs

Risks

  • Low to medium levels of volatility in returns from year to year

Standard Risk Measure

  • 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

Asset Allocation

Strategic (%)
Allowable Range (%)
Australian shares
8.5
0-30
International shares
12
0-30
Private Equity
4.5
0-10
Property
6.5
0-20
Infrastructure
6
0-20
Fixed Income
40.5
0-70
Alternative Strategies
0
0-15
Cash
22
0-100

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. Refer to the Super Savings guide for information about investment fees and costs and transaction costs. 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.

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

 

Investment reports

Our investment reports provide a regular update on the economy and the market, along with the management and performance of our investment options.

 Learn more

Get the market wrap

Australian Retirement Trust Chief Economist Brian Parker explains what’s happening around the world and what it could mean for your super investment.

 Learn more 

Master the basic terms

Learn the definitions of some of the basic terms you should know to mastermind your investment.

 Learn more

Test your inner investor

Find out what sort of investor you are and which of Australian Retirement Trust’s investment options may suit you.

 Take our quiz

 

 

Build your own investment strategy

To build your own investment strategy, choose up to 10 options below. You can choose from both the diversified options and/or any of the single asset classes.

Diversified options:

Actively managed:

Index (passively managed):

  • Balanced – Index

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

Learn more

 

Investment reports

Our investment reports provide a regular update on the economy and the market, along with the management and performance of our investment options.

 Learn more

Get the market wrap

Australian Retirement Trust Chief Economist Brian Parker explains what’s happening around the world and what it could mean for your super investment.

 Learn more 

Master the basic terms

Learn the definitions of some of the basic terms you should know to mastermind your investment.

 Learn more

Test your inner investor

Find out what sort of investor you are and which of Australian Retirement Trust’s investment options may suit you.

 Take our quiz

 

 

Investment performance