Lifecycle Investment Strategy

Helping you grow your super at every stage of life

Option: Lifecycle Investment Strategy

Our Lifecycle option

The Lifecycle Investment Strategy is what we invest your super in if you open an Accumulation account with us and don't choose another investment option (our default). We've designed it so you don't have to do anything – your investment strategy automatically changes based on your age, helping you get the most out of super, at every stage of life.

Designed for your life stage

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

Leave the hard work to us

We take care of your super so you can rest easy. Until you turn 50, we invest your super in the High Growth Pool to help it grow over the long term. Once you turn 50, we'll start gradually transferring your super to our lower-risk pools – the Balanced Pool and Cash Pool.

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How we invest your super

There are 3 pools that make up the Lifecycle Investment Strategy. Each pool has a different risk level. This graph shows you an example of how your super may be split across these pools, based on your age.

For more information, including how this transition happens in detail, download the Super Savings Investment Guide.

Download the guide

Investment pools

10-year returns as at 30 June 2025 (updated quarterly)

High Growth Pool#

High

Risk level

10-year returns:

9.38% p.a.

Investment objective:

CPI + 4.0% p.a.

Fees (p.a.):

0.70% + admin fees & costs

Balanced Pool

Medium to High

Risk level

10-year returns:

8.11% p.a.

Investment objective:

CPI + 3.5% p.a.

Fees (p.a.):

0.65% + admin fees & costs

Cash Pool

Very low

Risk level

10-year returns:

1.95% p.a.

Investment objective:

View details

Fees (p.a.):

0.07% + admin fees & costs

Pool performance and asset allocation

There are 3 investment pools that make up the Lifecycle Investment Strategy option: High Growth, Balanced, and Cash. See their investment performance and what assets they're invested in (strategic asset allocation).

See performance