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Lifecycle Investment Strategy

The Lifecycle Investment Strategy is our industry recognised MySuper investment option.

This option is designed for members who want to generate wealth over the long-term, and gradually transition to lower-risk investments as they approach age 65. 
For members who don’t choose how to invest their super, we’ll automatically invest your super in the Lifecycle Investment Strategy for you.

This option is only available for Super Savings Accumulation accounts.

How it works

 

 

 

The diagram shows how we focus on generating wealth over the long-term in the Balanced Pool and transfer your balance gradually to the lower risk Retirement and Cash Pools as you near retirement.

Details of the investment pools

Balanced Pool
Retirement Pool
Cash Pool
Minimum suggested timeframe - 5 years
Investment objectives
CPI + 3.5% (over 10-year periods)1,2
CPI + 2.75% (over 10-year periods)1,2
Match or exceed Performance benchmark1,3,4
Expected number of years of negative returns over any 20-year period
4 to less than 6
3 to less than 4
< 0.5
Risk label
High
Medium to High
Very low
Risk band
6
5
1

Strategic asset allocation in pools (%)

Balanced Pool
%
Australian shares
24.5
International shares
30.5
Private Equity
6.5
Property
8.5
Infrastructure
8.5
Fixed Income
17.5
Alternative Strategies
0
Cash
4

 

Retirement Pool
%
Australian shares
17.5
International shares
19
Private Equity
5.5
Property
8
Infrastructure
8
Fixed Income
33
Alternative Strategies
0
Cash
9

Cash Pool
%
Cash
100
If you are invested in this Pool, Australian Retirement Trust will invest 90% of your investment in the Pool into interest bearing accounts with authorised deposit-taking institutions (ADIs). 40% will be invested with the National Australia Bank (NAB) (ABN 12 004 044 937), 40% with the Commonwealth Bank of Australia (CBA) (ABN 48 123 123 124), and 10% will be invested with the Members Equity Bank Limited (ME) (ABN 56 070 887 679)5.

1. Investment objectives are set by Australian Retirement Trust for monitoring our ongoing investment performance. This objective may differ from the prescribed return target disclosed on our MySuper Product Dashboard which is calculated using a different methodology.

2. After investment fees and costs and investment taxes.

3. Before investment tax but after investment fees and costs.

4. Performance benchmark: Bloomberg AusBond Bank Bill Index.

5. Subject to the following: Maintaining a specific allocation requires regular rebalancing and the actual allocation will vary between rebalancing dates.

Estimated investment fees and costs

View the estimated investment fees and costs for each pool in the Lifecycle investment option.

The choice is yours

Take some control and choose one of our ready made diversified options, or build your own investment strategy

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 the Lifecycle Investment Strategy

Download the Super Savings Investment guide