Super Savings Diversified 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.
Returns are net of investment fees and costs and where applicable investment taxes.
Growth
Designed for members who want to generate wealth over the long term, but with less risk than an option invested solely in shares
85% Growth - 15% Defensive
4 to less than 6
7 years
Balanced
Designed for members who want to generate wealth over the long term
70% Growth - 30% Defensive
4 to less than 6
5 years
Balanced - Index
Designed for members who are seeking to accumulate wealth over the long-term and want exposure to a range of publicly traded assets invested in line with standard market indices, with a focus on Australian and international shares.
75% Growth - 25% Defensive
4 to less than 6
5 years
Socially Conscious Balanced
Designed for members who are seeking to accumulate wealth over the long term and who want to ensure that their investments are made in line with an extended set of environmental, social and governance principles.
70% Growth - 30% Defensive
4 to less than 6
5 years
Diversified Alternatives
Designed for members who want to generate wealth over the medium to long term, but with reduced fluctuations in returns. This option provides greater exposure to unlisted investments and trading strategies.
65% Growth - 35% Defensive
4 to less than 6
7 years
Retirement
Designed for members who are close to, or have reached retirement. It is structured to generate wealth over the medium to long term, while providing some reduction to the fluctuation of returns in the short term.
50% Growth - 50% Defensive
3 to less than 4
5 years
Conservative
Designed for members who seek less volatile returns for their super while maintaining some growth exposure. Using your money in the short term is likely to be your main purpose.
31% Growth - 69% Defensive
1 to less than 2
3 years
Super Savings Single asset class options
Choose from our single asset class options to build an investment strategy that suits your needs and risk appetite.
Shares
Designed for members who are seeking to accumulate wealth over the long term and who can accept full exposure to the ups and downs of the share markets.
100% Growth - 0% Defensive
6 or greater
7 years
Australian Shares
Designed for members who are seeking to earn returns from investment in the Australian shares asset class employing active management aiming to achieve better long-term returns than available in the standard market index for this sector
100% Growth - 0% Defensive
6 or greater
7 years
Australian Shares - Index
Designed for members who are seeking to earn returns from investment in the Australian shares asset class with passive management aiming to achieve long-term returns that are close to the returns of the standard market index for this sector
100% Growth - 0% Defensive
6 or greater
7 years
International Shares - Index (hedged)
Designed for members who are seeking to earn returns from investment in the international shares asset class with currency exposure being hedged back to the Australian dollar and passive management aiming to achieve long-term returns that are close to the returns of the standard market index for this sector
100% Growth - 0% Defensive
6 or greater
7 years
International Shares - Index (unhedged)
Designed for members who are seeking to earn returns from investment in the international shares asset class with currency exposure unhedged and passive management aiming to achieve long-term returns that are close to the returns of the standard market index for this sector
100% Growth - 0% Defensive
6 or greater
7 years
Emerging Markets Shares
Designed for members who are seeking to earn returns from investment in the emerging market shares asset class with passive management aiming to achieve long-term returns that are close to the returns of the standard market index for this sector
100% Growth - 0% Defensive
6 or greater
7 years
Property
Designed for members who are seeking to earn returns from investment in the global and Australian property asset class with some active management aiming to achieve better long-term returns than available in the standard market index for this sector
63% Growth - 37% Defensive
4 to less than 6
7 years
Australian Property - Index
Designed for members who are seeking to earn returns from investment in the Australian property asset class with passive management aiming to achieve long-term returns that are close to the returns of the standard market index for this sector.
100% Growth - 0% Defensive
6 or greater
7 years
Diversified Bonds
Designed for members who are seeking to earn returns from investment in the fixed interest asset class with active management aiming to achieve better long-term returns than available in the standard market index for this sector.
0% Growth - 100% Defensive
4 to less than 6
5 years
Diversified Bonds - Index
Designed for members who are seeking to earn returns from investment in the fixed interest asset class with passive management aiming to achieve long-term returns that are close to the returns of the standard market index for this sector
0% Growth - 100% Defensive
4 to less than 6
5 years
Cash
Designed for members who are seeking to accumulate a lump sum or derive income over time by earning returns that are close to the level of short-term interest rates in the Australian economy
0% Growth - 100% Defensive
Less than 0.5%
1 year
Important information
- Past performance is not a reliable indicator of future performance. Investment returns are net of investment fees and costs and taxes (where applicable). Returns cover the period up to the date of merger as Sunsuper and from date of merger up to the date listed as part of Australian Retirement Trust.
- 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, for Accumulation accounts refer to the Super Savings Accumulation Guide and for Income accounts refer to the Super Savings Product Disclosure Statement for Income Account and Lifetime Pension.
- In 2022-23, our Super Savings Balanced option returned 10% for Accumulation accounts, 9.9% for the Lifecycle option's Balanced Pool, and 11.1% for Income accounts. Over 10 years, it returned 8.4% p.a. (Accumulation) and 9.3% (Income). The Australian Retirement Trust Super Savings Balanced option has adopted the pre-merger investment strategy of the Sunsuper Balanced option. The industry median return for the SR50 Balanced (60-76) Index comprises the 50 largest investment options with a similar asset allocation to growth style assets between 60-76%. Source: SuperRatings Fund Crediting Rate Survey - SRP50 Balanced (60-76) Index, 30 June 2023. 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. Past performance is not a reliable indicator of future performance. Investment returns are net of investment fees and costs and taxes (where applicable). Super Savings products issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL No. 228975) as trustee for Australian Retirement Trust (ABN 60 905 115 063). Consider the Super Savings product disclosure statements and TMDs before deciding.
- 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.
Join today
- Your super stays invested, which could make a big difference to your retirement income
- Potential Retirement Bonus
- Flexibility and control
- Earnings are generally tax-free
- $30,000 minimum balance
- 65 years or older or reached preservation age and permanently retired