The Lifecycle Investment Strategy 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. The minimum suggested timeframe is 5 years. Lifecycle Investment Strategy explained
Choose one of our ready-made diversified investment options that contain a varying mix of asset classes and come with varying levels of risk.
Choose from our single asset class options to build an investment strategy that suits your needs and risk appetite.
- Past performance is not a reliable indicator of future performance. The Australian Retirement Trust Super Savings Balanced option has adopted the pre-merger investment strategy of the Sunsuper Balanced option. The industry average is the average return for the SR50 Balanced (60-76) Index which comprises the 50 largest investment options with a similar asset allocation to growth style assets between 60-76%. Investment returns are net of investment fees and costs and where applicable investment tax. Source: SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60-76) Index, December 2021. The Super Savings Balanced option has identical investments to the Balanced Pool in the Lifecycle Investment Strategy. Members invested in the Lifecycle Investment Strategy are invested 100% in the Balanced Pool until age 55.
- Each investment option has a different performance objective, risk profile, asset allocation and investment style which may also change from time to time. Each of these features may be significant in respect of the investment return for any option. For full details of each option, refer to the Super Savings Investment guide. For details of the fees and costs that apply to each option, refer to the Super Savings guide.
- For ratings and awards information, visit our Ratings & awards page.
- Returns are net of investment fees and costs and where applicable investment taxes.
- The information on this page is provided for general information purposes only and is not to be relied on for the purposes of making a decision in relation to a financial product and is not a substitute for professional advice. Before making a decision, you should consider obtaining advice from an Australian financial services licensee.
- Subject to the following: (1) Maintaining a specific allocation requires regular rebalancing and the actual allocation will vary between rebalancing dates; (2) Allocation to CBA and ME commenced on 15 December 2021 and will increase up to 40% and 10% respectively by 31 July 2022.